Exhibit 1: Agreement — Alameda City Council, October 21, 2025

SERVICE PROVIDER AGREEMENT
This SERVICE PROVIDER AGREEMENT (“Agreement”) is entered into this ____ day of _________ 2025 (“Effective Date”), by and between the CITY OF ALAMEDA, a municipal corporation (“the City”), and Blaisdell’s Business Products, a California corporation, whose address is 7677 Oakport Street Ste 805, Oakland, CA 94621 (“ Provider”), in reference to the following facts and circumstances:

RECITALS
A. The City is a municipal corporation duly organized and validly existing under the laws of the State of California with the power to carry on its business as it is now being conducted under the statutes of the State of California and the Charter of the City.

B. The City is in need of the following services: Office Furniture Purchase and Installation.

C. Provider possesses the skill, experience, ability, background, certification and knowledge to provide the services described in this Agreement on the terms and conditions described herein.

Provider was selected on a sole source basis because Provider has previously been used to provide and install office furniture for the City.

D. The City and Provider desire to enter into an agreement for Office Furniture Purchase and Installation, upon the terms and conditions herein.

AGREEMENT
NOW, THEREFORE, in consideration of the forgoing, which are incorporated herein by reference, and for good and valuable consideration, the receipt and adequacy of which are hereby acknowledged, the City and Provider agree as follows:

1. TERM:

The term of this Agreement shall commence on the 15th day of October 2025, and shall terminate on the 30th day of June 2026, unless terminated earlier as set forth herein.

2. SERVICES TO BE PERFORMED:

Provider agrees to do all necessary work at its own cost and expense, to furnish all labor, tools, equipment, materials, except as otherwise specified, and to do all necessary work included in Exhibit A as requested. Provider acknowledges that the work plan included in Exhibit A is tentative and does not commit the City to request Provider to perform all tasks included therein.

3. COMPENSATION TO PROVIDER:
a. By the 15 th day of each month, Provider shall submit to the City an invoice for the total amount of work done the previous month. Pricing and accounting of charges are to be according to the fee schedule as set forth in Exhibit A and incorporated herein by this reference.

Extra work must be approved in writing by the City Manager or their designee prior to performance "&%
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EXHIBIT 1
and shall be paid on a Time and Ma terial basis as set forth in Exhibit A. City will pay Provider within 30 days from the date invoice is received by the City. b. The total compensation for the work unde r this Agreement is not to exceed $81,286.72.

4. TIME IS OF THE ESSENCE:

Provider and the City agree that time is of the essence regarding the performance of this Agreement.

5. STANDARD OF CARE:

Provider shall perform all serv ices under this Agreement in a skillful and competent manner, consistent with the standards generally recognized as being employed by professionals in the same discipline in the State of California. Provider represents that it is skilled in the professional calling necessary to pe rform all services contracted fo r in this Agreement. Provider further represents that all of its employees a nd subcontractors shall have sufficient skill and experience to perform the duties assigned to them pursuant to and in furtherance this Agreement.

Provider further represents that it (and its employees and subcontractors) have all licenses, permits, qualifications, and approvals of what ever nature that are legally re quired to perform the services (including a City Business License, as needed); and that such licenses and approvals shall be maintained throughout the term of this Agreement. As provide d for in the indemnification provisions of this Agreement, Provider shall pe rform (at its own cost and expense and without reimbursement from the City) any services necessa ry to correct errors or omissions which are caused by Provider’s failure to comply with the standard of care provided for herein. Any employee of the Provider or its sub-providers who is determined by the City to be uncooperative, incompetent, a threat to the adequate or timely completion of any services under this Agreement, or a threat to the safety of persons or propert y (or any employee who fails or refuses to perform the services in a manner accepta ble to the City) shall be prom ptly removed by the Provider and shall not be re-employed to perform any further services under this Agreement.

6. INDEPENDENT PARTIES:

Provider hereby declares that Provider is engaged as an independent business and Provider agrees
to perform the services as an independent contractor. The manner and means of conducting the
services and tasks are under the control of Provider except to the extent they are limited by statute,
rule or regulation and the express terms of this Agreement. No civil service status or other right of employment will be acquired by virtue of Provider’s services. None of the benefits provided by the City to its employees, including but not limited to unemployment insurance, workers’ compensation plans, vacation and sick leave, are available from the City to Provider, its employees or agents. Deductions shall not be made for any state or federal taxes, FICA payments, PERS
payments, or other purposes normally associated with an employer-employee relationship from any compensation due to Provider. Payments of the above items, if required, are the responsibility
of Provider. Any personnel performing the services under this Agreement on behalf of Provider shall also not be employees of City and shall at all times be under Provider’s exclusive direction and control.

7. IMMIGRATION REFORM AND CONTROL ACT (IRCA):

Provider assumes any and all responsibility for verifying the identity and employment authorization of all of its employees performing work hereunder, pursuant to all applicable IRCA or other federal, or state rules and regulations. Provider shall indemnify, defend, and hold the City harmless from and against any loss, damage, liability, costs or expenses arising from any noncompliance of this provision by Provider.

8. NON-DISCRIMINATION:

Consistent with the City’s policy and state and federal law that harassment and discrimination are unacceptable conduct, Provider and its employees, contractors, and agents shall not harass or discriminate against any job applicant, City employee, or any other person on the basis of any kind of any statutorily (federal, state or local) protected class, including but not limited to: race, religious creed, color, national origin, ancestry, disability (both mental and physical) including HIV and AIDS, medical condition (e.g. cancer), genetic information, marital status, sex, gender, gender identity, gender expression, age, sexual orientation, pregnancy, political affiliation, military and veteran status or legitimate union activities. Such non-discrimination shall include but not be limited to all activities related to initial employment, upgrading, demotion, transfer, recruitment or recruitment advertising, layoff, or termination. Provider agrees that any violation of this provision shall constitute a material breach of this Agreement.

9. HOLD HARMLESS:
a. To the fullest extent permitted by law, Provider shall indemnify, defend (with counsel acceptable to the City) and hold harmless the City, its City Council, boards, commissions, officials, employees, agents and volunteers (“Indemnitees”) from and against any and all loss, damages, liability, obligations, claims, suits, judgments, costs and expenses whatsoever, including reasonable attorney’s fees and costs of litigation (“Claims”), arising from or in any manner connected to Provider’s performance of its obligations under this Agreement or out of the operations conducted by Provider even if the City is found to have been negligent. If the Claims filed against Indemnitees allege negligence, recklessness or willful misconduct on the part of Provider, Provider shall have no right of reimbursement against Indemnitees for the costs of defense even if negligence, recklessness or willful misconduct is not found on the part of Provider.

Provider shall not have any obligations to indemnify Indemnitees if the loss or damage is found to have resulted solely from the negligence or the willful misconduct of the City. The defense and indemnification obligations of this Agreement are undertaken in addition to, and shall not in any way be limited by, the insurance obligations contained in this Agreement. b. As to Claims for professional liability only, Provider’s obligation to defend Indemnitees (as set forth above) is limited as provided in California Civil Code Section 2782.8. c. Provider’s obligation to indemnify, defend and hold harmless Indemnitees shall expressly survive the expiration or early termination of this Agreement.

10. INSURANCE:
a. On or before the commencement of the terms of this Agreement, Provider shall furnish the City’s Risk Manager with certificates showing the type, amount, class of operations "&%
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covered, effective dates and dates of expiration of insurance coverage in compliance with Sections

10.b. (1) through (4). The Certificate Holder should be The City of Alameda, 2263 Santa Clara, Ave., Alameda, CA 94501. Such certificates, which do not limit Provider’s indemnification, shall also contain substantially the following statement:
“Should any of the above insurance covered by this certificate be canceled or coverage reduced before the expiration date thereof, the insurer affording coverage shall provide thirty (30) days’ advance written notice to the City of Alameda. Attention: Risk Manager.” Provider shall maintain in force at all times during the performance of this Agreement all appropriate coverage of insurance required by this Agreement with an insurance company licensed to offer insurance business in the State of Califor nia with a current A.M. Best’s rating of no less than A:VII or Standard & Poor’s Rating (if rated) of at least BBB unless otherwise acceptable to the City. Provider shall deliver updated insurance certificates to the City at the address described in Section 17.f. prior to the expiration of the existing insurance certificate for the duration of the term of Agreement. Endorsements naming the City, its City Council, boards, commissions, officials, employees, agents, and volunteers as additional insured shall be submitted with the insurance certificates.
_____________
Provider Initials
b. COVERAGE REQUIREMENTS:

Provider shall maintain insurance coverage and limits at least as broad as:
(1) Workers’ Compensation:

Statutory coverage as required by the State of California, as well as a Waiver of Subrogation (Rights of Recovery) endorsement. (2) Liability:

Commercial general liability coverage in the following minimum limits:

Bodily Injury: $1,000,000 each occurrence
$2,000,000 aggregate - all other
Property Damage: $1,000,000 each occurrence
$2,000,000 aggregate
If submitted, combined single limit policy with per occurrence limits in the amounts of $2,000,000 and aggregate limits in the amounts of $4,000,000 will be considered equivalent to the required minimum limits shown above. Provider shall also submit declarations and policy endorsements pages. Additional Insured Endorsement naming the City, its City Council, boards, commissions, officials, employees, agents, and volunteers is required. The Additional Insured Endorsement shall include primary and non-contributory coverage at least as broad as the CG 2010.
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(3) Automotive:

Comprehensive automobile liability coverage (any auto) in the following minimum limits:

Bodily injury: $1,000,000 each occurrence
Property Damage: $1,000,000 each occurrence
or
Combined Single Limit: $2,000,000 each occurrence
Additional Insured Endorsement naming the City, its City Council, boards, commissions, officials, employees, agents, and volunteers is required. (4) Professional Liability:

Professional liability insurance which includes coverage appropriate for the professional acts, errors and omissions of Provider’s profession and work hereunder, including, but not limited to, technology professional liability errors and omissions if the services being provided are technology-based, in the following minimum limits:
$2,000,000 each claim
Technology professional liability errors and omissions shall include, or be endorsed to include, property damage liability coverage for damage to, alteration of, loss of, or destruction of electronic data and/or information “property” of the City in the care, custody, or control of Provider. If not covered under Provider’s liability policy, such “property” coverage of the City may be endorsed onto Provider’s Cyber Liability Policy as covered property as follows: cyber liability coverage in an amount sufficient to cover the full replacement value of damage to, alteration of, loss of, or destruction of electronic data and/or information “property” of the City that will be in the care, custody, or control of Provider. c. SUBROGATION WAIVER:

Provider hereby agrees to waive rights of subrogation that any insurer of Provider may acquire from Provider by virtue of the payment of any loss. Provider agrees to obtain any endorsement that may be necessary to affect this waiver of subrogation, but this provision applies regardless of whether the City has received a waiver of subrogation endorsement from the insurer. The Workers’ Compensation policy shall be endorsed with a waiver of subrogation in favor of the City for all work performed by Provider, its employees, agents and subcontractors. d. FAILURE TO SECURE:

If Provider at any time during the term hereof should fail to secure or maintain the foregoing insurance, the City shall be permitted to obtain such insurance in Provider’s name or as an agent of Provider and shall be compensated by Provider for the costs of the insurance premiums at the maximum rate permitted by law and computed from the date written notice is received that the premiums have not been paid.
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e. ADDITIONAL INSUREDS:

The City, its City Council, boards, commissions, officials, employees, agents, and volunteers shall be named as additional insured(s) under all insurance coverages, except workers’ compensation and professional liability insurance. The naming of an additional insured shall not affect any recovery to which such additional insured would be entitled under this policy if not named as such additional insured. An additional insured named herein shall not be held liable for any premium, deductible portion of any loss, or expense of any nature on this policy or any extension thereof. Any other insurance held by an additional insured shall not be required to contribute anything toward any loss or expense covered by the insurance provided by this policy.

Additional Insured coverage under Provider’s policy shall be primary and non-contributory and will not seek contribution from the City’s insurance or self-insurance. Any available insurance proceeds broader than or in excess of the specified minimum insurance coverage requirements and/or limits shall be available to the additional insured(s). f. SUFFICIENCY OF INSURANCE:

The insurance limits required by the City are not represented as being sufficient to protect Provider. Provider is advised to consult Provider’s insurance broker to determine adequate coverage for Provider. The coverage and limits shall be (1) the minimum coverage and limits specified in this Agreement; or (2) the broader coverage and maximum limits of the coverage carried by or available to Provider; whichever is greater. g. EXCESS OR UMBRELLA LIABILITY:

If any Excess or Umbrella Liability policies are used to meet the limits of liability required by this Agreement, then said policies shall be true “following form” of the underlying policy coverage, terms, conditions, and provisions and shall meet all of the insurance requirements stated in this Agreement, including but not limited to, the additional insured, SIR, and primary insurance requirements stated therein. No insurance policies maintained by the indemnified parties or Additional Insureds, whether primary or excess, and which also apply to a loss covered hereunder, shall be called upon to contribute to a loss until all the primary and excess liability policies carried by or available to the Provider are exhausted. If a Provider is using an Excess Liability policy to supplement any insurance coverage required by this Agreement, they must submit the Excess Liability policy in full.

11. CONFLICT OF INTEREST:

Provider warrants that it is not a conflict of interest for Provider to perform the services required by this Agreement. Provider may be required to fill out a conflict of interest form if the services provided under this Agreement require Provider to make certain governmental decisions or serve in a staff capacity as defined in Title 2, Division 6, Section 18700 of the California Code of Regulations.

12. PROHIBITION AGAINST TRANSFERS:
a. Provider shall not assign, sublease, hypothecate, or transfer this Agreement, or any interest therein, directly or indirectly, by operation of law or otherwise, without prior written consent of the City Manager. Provider shall submit a written request for consent to transfer to the City Manager at least thirty (30) days in advance of the desired transfer. The City Manager or their designee may consent or reject such request in their sole and absolute discretion. Any attempt "&%
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to do so without said consent shall be null and void, and any assignee, sublessee, hypothecate or transferee shall acquire no right or interest by reason of such attempted assignment, hypothecation or transfer. However, claims for money against the City under this Agreement may be assigned by Provider to a bank, trust company or other financial institution without prior written consent. b. The sale, assignment, transfer or other disposition of any of the issued and outstanding capital stock, membership interest, partnership interest, or the equivalent, which shall result in changing the control of Provider, shall be construed as an assignment of this Agreement.

Control means fifty percent or more of the voting power of Provider.

13. APPROVAL OF SUB-PROVIDERS:
a. Only those persons and/or businesses whose names and resumés are attached to this Agreement shall be used in the performance of this Agreement. However, if after the start of this Agreement, Provider wishes to use sub-providers, at no additional costs to the City, then Provider shall submit a written request for consent to add sub-providers including the names of the sub- providers and the reasons for the request to the City Manager at least five (5) days in advance. The City Manager may consent or reject such requests in their sole and absolute discretion. b. Each sub-provider shall be required to furnish proof of workers’ compensation insurance and shall also be required to carry general, automobile and professional liability insurance (as applicable) in reasonable conformity to the insurance carried by Provider. c. In addition, any tasks or services performed by sub-providers shall be subject to each provision of this Agreement. Provider shall include the following language in their agreement with any sub-provider: “Sub-providers hired by Provider agree to be bound to Provider and the City in the same manner and to the same extent as Provider is bound to the City.” d. The requirements in this Section 13 shall not apply to persons who are merely providing materials, supplies, data or information that Provider then analyzes and incorporates into its work product.

14. PERMITS AND LICENSES:

Provider, at its sole expense, shall obtain and maintain during the term of this Agreement, all appropriate permits, certificates and licenses, including a City business license that may be required in connection with the performance of the services and tasks hereunder.

15. REPORTS:
a. Each and every report, draft, work product, map, record and other document produced, prepared or caused to be prepared by Provider pursuant to or in connection with this Agreement shall be the exclusive property of the City.
b. No report, information or other data given to or prepared or assembled by Provider pursuant to this Agreement shall be made available to any individual or organization by Provider without prior approval of the City Manager or their designee. "&%
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c. Provider shall, at such time and in such form as City Manager or their designee may require, furnish reports concerning the status of services and tasks required under this Agreement.

16. RECORDS:
a. Generally, the City has the right to conduct audits of Provider’s financial, performance and compliance records maintained in connection with Contractor’s operations and services performed under the Agreement. In the event of such audit, Contractor agrees to provide the City with reasonable access to Contractor’s employees and make all such financial (including annual financial statements signed by an independent CPA), performance and compliance records available to the City. City agrees to provide Contractor an opportunity to discuss and respond to any findings before a final audit report is filed.
b. Provider shall maintain complete and accura te records with respect to the services, tasks, work, documents and data in sufficien t detail to permit an evaluation of Provider’s performance under the Agreement, as well as maintain books and records related to sales, costs, expenses, receipts and other such information re quired by the City that relate to the performance of the services and tasks under this Agreement (collectively the “Records”). c. All Records shall be maintained in accordance with generally accepted accounting principles and shall be clearly identified and readily accessible. Provider shall provide free access to the Records to the representatives of the City or its designees during regular business hours upon reasonable prior notice. The City has the right to examine and audit the Records, and to make copies or transcripts therefrom as necessary, and to allow inspection of all proceedings and activities related to this Agreement. Such Records, together with supporting documents, shall be kept separate from other documents and records and shall be maintained by Provider for a period of three (3) years after receipt of final payment.
d. If supplemental examination or audit of the Records is necessary due to concerns raised by the City’s preliminary examination or audit of records, and the City’s supplemental examination or audit of the records discloses a failure to adhere to appropriate internal financial controls, or other breach of this Agreement or failure to act in good faith, then Provider shall reimburse the City for all reasonable costs and expenses associated with the supplemental examination or audit.

17. NOTICES:
a. All notices shall be in writing and delivered: (i) by hand; or (ii) sent by registered, express, or certified mail, with return receipt requested or with delivery confirmation requested from the U.S. postal service; or (iii) sent by overnight or same day courier service at the party’s respective address listed in this Section.
b. Each notice shall be deemed to have been received on the earlier to occur of: (x) actual delivery or the date on which delivery is refused; or (y) three (3) days after notice is deposited in the U.S. mail or with a courier service in the manner described above (Sundays and City holidays excepted).
c. Either party may, at any time, change its notice address (other than to a post office box address) by giving the other party three (3) days prior written notice of the new address. "&%
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d. All notices, demands, requests, or approvals from Provider to the City shall be addressed to the City at:

City of Alameda
Police Department
1555 Oak Street
Alameda, CA 94501
ATTENTION: Captain Matthew McMullen
Ph: (510) 337-8500 / Email: [email protected]
e. All notices, demands, requests, or approvals from the City to Provider shall be addressed to Provider at:

Blaisdell’s Business Products
7677 Oakport Street, STE 805
Oakland, CA 94621
ATTENTION: Brian Tura
Ph: (510) 746-1624 / Email: [email protected]
f. All updated insurance certificates from Provider to the City shall be addressed to the City at:

City of Alameda
Police Department
1555 Oak Street
Alameda, CA 94501
ATTENTION: Maricela Springsteen
Ph: (510) 337-8421 / Email: [email protected]

18. SAFETY:
a. Provider will be solely and completely responsible for conditions of all vehicles owned or operated by Provider, including the safety of all persons and property during performance of the services and tasks under this Agreement. This requirement will apply continuously and not be limited to normal working hours. In addition, Provider will comply with all safety provisions in conformance with U.S. Department of Labor Occupational Safety and Health Act, any equivalent state law, and all other applicable federal, state, county and local laws, ordinances, codes, and any regulations that may be detailed in other parts of the Agreement. Where any of these are in conflict, the more stringent requirements will be followed. Provider’s failure to thoroughly familiarize itself with the aforementioned safety provisions will not relieve it from compliance with the obligations and penalties set forth herein. b. Provider will immediately notify the City within 24 hours of any incident of death, serious personal injury or substantial property damage that occurs in connection with the performance of this Agreement. Provider will promptly submit to the City a written report of all incidents that occur in connection with this Agreement. This report must include the following information: (i) name and address of injured or deceased person(s); (ii) name and address of Provider’s employee(s) involved in the incident; (iii) name and address of Provider’s liability insurance carrier; (iv) a detailed description of the incident; and (v) a police report. "&%
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19. TERMINATION:
a. In the event Provider fails or refuses to perform any of the provisions hereof at the time and in the manner required hereunder, Provider shall be deemed in default in the performance of this Agreement. If such default is not cure d within two (2) business days after receipt by Provider from the City of written notice of default, specifying the nature of such default and the steps necessary to cure such default, the City may thereafter immediately terminate the Agreement forthwith by giving to Provider written notice thereof. b. The foregoing notwithstanding, the City shall have the option, at its sole discretion and without cause, of terminating this Agreement by giving seven (7) days’ prior written notice to Provider as provided herein.
c. Upon termination of this Agreement either for cause or for convenience, each party shall pay to the other party that portion of compensation specified in this Agreement that is earned and unpaid prior to the effective date of termination. The obligation of the parties under this Section 19.c. shall survive the expiration or early termination of this Agreement.

20. ATTORNEYS’ FEES:

In the event of any litigation, including administrative proceedings, relating to this Agreement, including but not limited to any action or suit by any party, assignee or beneficiary against any other party, beneficiary or assignee, to enforce, interpret or seek relief from any provision or obligation arising out of this Agreement, the parties and litigants shall bear their own attorney’s fees and costs. No party or litigant shall be entitled to recover any attorneys’ fees or costs from any other party or litigant, regardless of which party or litigant might prevail.

21. HEALTH AND SAFETY REQUIREMENTS.

Provider acknowledges that the City shall have the right to impose, at the City’s sole discretion, requirements that it deems are necessary to protect the health and safety of the City employees, residents, and visitors. Provider agrees to comply with all such requirements, including, but not limited to, mandatory vaccinations, the use of personal protective equipment (e.g. masks), physical distancing, and health screenings. Provider also agrees to make available to the City, at the City’s request, records to demonstrate Provider’s compliance with this Section.

22. COMPLIANCE WITH ALL APPLICABLE LAWS:

During the term of this Agreement, Provider shall keep fully informed of all existing and future state and federal laws and all municipal ordinances and regulations of the City of Alameda which affect the manner in which the services or tasks are to be performed by Provider, as well as all such orders and decrees of bodies or tribunals having any jurisdiction or authority over the same. Provider shall comply with all applicable laws, state and federal and all ordinances, rules and regulations enacted or issued by the City. Provider shall defend, indemnify, and hold City (including its officials, directors, officers, employees, and agents) free and harmless from any claim or liability arising out of any failure or alleged failure to comply with such laws and regulations pursuant to the indemnification provisions of this Agreement. "&%
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23. CONFLICT OF LAW:

This Agreement shall be interpreted under, and enforced by the laws of the State of California without regard to any choice of law rules which may direct the application of laws of another jurisdiction. The Agreement and obligations of the parties are subject to all valid laws, orders, rules, and regulations of the authorities having jurisdiction over this Agreement (or the successors of those authorities). Any suits brought pursuant to this Agreement shall be filed with the courts of the County of Alameda, State of California.

24. WAIVER:

A waiver by the City of any breach of any term, covenant, or condition contained herein shall not be deemed to be a waiver of any su bsequent breach of the same or any other term, covenant, or condition contained herein, whether of the same or a different character.

25. INTEGRATED CONTRACT:

Subject to the language of Section 30, the Recitals and exhibits are a material part of this Agreement and are expressly incorporated herein. This Agreement represents the full and complete understanding of every kind or nature whatsoever between the parties hereto, and all preliminary negotiations and agreements of whatsoever kind or nature are merged herein. No verbal agreement or implied covenant shall be held to vary the provisions hereof. Any modification of this Agreement will be effective only by written execution signed by both the City and Provider.

26. PREVAILING WAGES:

Provider is aware of the requirements of California Labor Code Section 1720, et seq., and 1770, et seq. as well as California Code of Regulations, Title 8, Section 1600, et seq., (“Prevailing Wage Laws”) which require the payment of prevailing wage rates and the performance of other requirements on “public works” and “maintenance” projects. Provider agrees to fully comply with such Prevailing Wage Laws if the services are being performed as part of an applicable “public works” or “maintenance” project as defined by the Prevailing Wage Laws and if the total compensation is $1,000 or more. City, upon Provider’s request, shall provide Provider with a copy of the prevailing rates of per diem wages in ef fect at the commencement of this Agreement.

Provider shall make copies of the prevailing rates of per diem wages for each craft, classification, or type of worker needed to execute the services available to interested parties upon request; and shall post copies at the Provider’s principal place of business and at the project site. Provider shall defend, indemnify, and hold the City (its elected officials, officers, employees, and agents) free and harmless from any claim or liability arising out of any failure or alleged failure to comply with the Prevailing Wage Laws.

27. CAPTIONS:

The captions in this Agreement are for convenience only, are not a part of the Agreement and in no way affect, limit or amplify the terms or provisions of this Agreement. "&%
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28. COUNTERPARTS:

This Agreement may be executed in any number of counterparts (including by fax, PDF, DocuSign, or other electronic means), each of which shall be deemed an original, but all of which shall constitute one and the same instrument.

29. SIGNATORY:

By signing this Agreement, signatory warrants and represents that they executed this Agreement in their authorized capacity and that by their signature on this Agreement, they or the entity upon behalf of which they acted, executed this Agreement.

30. CONTROLLING AGREEMENT:

In the event of a conflict between the terms and conditions of this Agreement (as amended, supplemented, restated or otherwise modified from time to time) and any other terms and conditions wherever contained, including, without limitation, terms and conditions included within exhibits, the terms and conditions of this Agreement shall control and be primary. [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK]
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IN WITNESS WHEREOF, the parties have each caused this Agreement to be duly executed on its behalf as of the Effective Date.

BLAISDELL’S BUSINESS PRODUCTS CITY OF ALAMEDA
A California Corporation A Municipal Corporation
Jennifer Ott Margee Witt
CKLHIE[HFXWLYHOIILFHU City Manager

RECOMMENDED FOR APPROVAL
Michael Witt
CKLHIFLQDQFLDOOIILFHU
Nishant Joshi
Chief of Police
APPROVED AS TO FORM:

City Attorney
Douglas W. McManaway
Assistant City Attorney
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PROPOSAL NUMBER
DATE

PROJECT NUMBER

PROJECT NAME

SALESPERSON

PROPOSAL

ALAMEDA POLICE DEPT

LOGISTICS
1555 OAK STREET
ALAMEDA CA 94501
78825-0

BRIAN TURA/ADRIENN

CITY OF ALAMEDA

KEEP MARICELA'S EMAIL FOR

POLICE DEPT
1555 OAK STREET
ALAMEDA CA 94501
06/30/25

RECORDS

RECORDS NEW CUBE SETUP
5936
PAGE

BILLING ADDRESS SHIPPING ADDRESS

CUSTOMER PURCHASE ORDER ACCOUNT NUMBER/DEPT TERMS

PRODUCT DESCRIPTION ORD

QTY UNIT PRICEITEM NUMBER
FHFAPA.5336ECWCWGRP1PF8
FHFAPA.5324ECWCWGRP1PF8
FHPGPA.5342ECWTRCWGRP1P
FHPGPA.5336ECWTRCWGRP1P
**Attention :MARICELA SPRINGSTEEN
36"W x 53"H Monolithic panel,
fabric covered, powered
CW FINISH: Cloud White
CW BASE: Cloud White
GRP1 FAB 1: Group 1 Friant Collection
PF801-5 SIDE 1 FABRIC: Journey Odyssey
GRP1 FAB 2: Group 1 Friant Collection
PF801-5 SIDE 2 FABRIC: Journey Odyssey
24"W x 53"H Monolithic panel,
fabric covered, powered
CW FINISH: Cloud White
CW BASE: Cloud White
GRP1 FAB 1: Group 1 Friant Collection
PF801-5 SIDE 1 FABRIC: Journey Odyssey
GRP1 FAB 2: Group 1 Friant Collection
PF801-5 SIDE 2 FABRIC: Journey Odyssey
42"W x 53"H Monolithic panel,
fabric covered, partial glazed,
powered
CW FINISH: Cloud White
TR GLASS: Clear
CW BASE: Cloud White
GRP1 FAB 1: Group 1 Friant Collection
PF801-5 SIDE 1 FABRIC: Journey Odyssey
GRP1 FAB 2: Group 1 Friant Collection
PF801-5 SIDE 2 FABRIC: Journey Odyssey
36"W x 53"H Monolithic panel,
2 1
5 16
272.70
222.12
393.37
377.11
545.40
222.12
1966.85
6033.76

CONTINUED
922.00
751.00
1330.00
1275.00
1 of 14

SUB-TOTAL
TAX

TOTAL DUE
Terms: Upon Receipt. No merchandise may be returned for credit without our consent.

Blaisdell's has the right to retain security interest in the above merchandise to secure the payment of the purchase price (including interest, collection, and attorney's fees).

Due to volatile economic conditions quotes are currently valid for 10 business days. 50% Deposit is required for all orders over $10,000.00
Accepted By:________________________________________________

EXTENDED
PROPOSAL #

INGSTEEN POLI QUOTE
LIST

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PROPOSAL NUMBER
DATE

PROJECT NUMBER

PROJECT NAME

SALESPERSON

PROPOSAL

ALAMEDA POLICE DEPT

LOGISTICS
1555 OAK STREET
ALAMEDA CA 94501
78825-0

BRIAN TURA/ADRIENN

CITY OF ALAMEDA

KEEP MARICELA'S EMAIL FOR

POLICE DEPT
1555 OAK STREET
ALAMEDA CA 94501

06/30/25

RECORDS

RECORDS NEW CUBE SETUP
5936
PAGE

BILLING ADDRESS SHIPPING ADDRESS

CUSTOMER PURCHASE ORDER ACCOUNT NUMBER/DEPT TERMS

PRODUCT DESCRIPTION ORD

QTY UNIT PRICEITEM NUMBER

FCCAHS.24427224RM30E33D

FCCAHS.24427224LM30E33D

FSQAHT.2442M30E33DNA1

fabric covered, partial glazed,
powered
CW FINISH: Cloud White
TR GLASS: Clear
CW BASE: Cloud White
GRP1 FAB 1: Group 1 Friant Collection
PF801-5 SIDE 1 FABRIC: Journey Odyssey
GRP1 FAB 2: Group 1 Friant Collection
PF801-5 SIDE 2 FABRIC: Journey Odyssey

24x42x72x24 Right Curved
Extended Corner WS TOP ONLY, for
MY-HITE base in Freestanding
Application
M30 TOP: Barley
E33 EDGE: Barley
DNA1 Does Not Apply

24x42x72x24 Left Curved
Extended Corner WS TOP ONLY, for
MY-HITE base in Freestanding
Application
M30 TOP: Barley
E33 EDGE: Barley
DNA1 Does Not Apply

24"x42" Rectangular WS TOP
ONLY, for MY-HITE base in Freestanding
Application
M30 TOP: Barley
E33 EDGE: Barley
DNA1 Does Not Apply

1 2
2 300.80
300.80
115.94
300.80
601.60
231.88

CONTINUED

1017.00

392.00

2 of 14

SUB-TOTAL
TAX

TOTAL DUE
Terms: Upon Receipt. No merchandise may be returned for credit without our consent.

Blaisdell's has the right to retain security interest in the above merchandise to secure the payment of the purchase price (including interest, collection, and attorney's fees).

EXTENDED
PROPOSAL #
, partial POLI QUOTE
LIST

"&%
!!'
"#

PROPOSAL NUMBER
DATE

PROJECT NUMBER

PROJECT NAME

SALESPERSON

PROPOSAL

ALAMEDA POLICE DEPT

LOGISTICS
1555 OAK STREET
ALAMEDA CA 94501
78825-0

BRIAN TURA/ADRIENN

CITY OF ALAMEDA

KEEP MARICELA'S EMAIL FOR

POLICE DEPT
1555 OAK STREET
ALAMEDA CA 94501

06/30/25

RECORDS

RECORDS NEW CUBE SETUP
5936
PAGE

BILLING ADDRESS SHIPPING ADDRESS

CUSTOMER PURCHASE ORDER ACCOUNT NUMBER/DEPT TERMS

PRODUCT DESCRIPTION ORD

QTY UNIT PRICEITEM NUMBER

FHERWS.2442LM30E33CW

FCNAHBT-24-3CW

FD-CWD-3653-B-LM9M30M30

FHPGPA.5330ECWTRCWGRP1P

FHPGPA.5348ECWTRCWGRP1P

42"W x 24"D Rectangular
Worksurface
M30 Barley
E33 PVC: Barley
CW FINISH: Cloud White

3 Stage Height Adjustable
Table Base, 24"D T-Leg, Corner
CW FIN: Cloud White

COMBO WARDROBE/BOOKCASE with
doors, Base, (Left) 36Wx53H
M9 Cloud White M9
M30 Barley M30
M30 Barley M30
SLANT PULL Slant Pull, Brushed Aluminum

30"W x 53"H Monolithic panel,
fabric covered, partial glazed,
powered
CW FINISH: Cloud White
TR GLASS: Clear
CW BASE: Cloud White
GRP1 FAB 1: Group 1 Friant Collection
PF801-5 SIDE 1 FABRIC: Journey Odyssey
GRP1 FAB 2: Group 1 Friant Collection
PF801-5 SIDE 2 FABRIC: Journey Odyssey

48"W x 53"H Monolithic panel,
fabric covered, partial glazed,
powered

1 4
1 15
2 135.46
702.45
944.39
324.16
424.13
135.46
2809.80
944.39
4862.40
848.26

CONTINUED

458.00

2375.00

3193.00

1096.00

1434.00

3 of 14

SUB-TOTAL
TAX

TOTAL DUE
Terms: Upon Receipt. No merchandise may be returned for credit without our consent.

Blaisdell's has the right to retain security interest in the above merchandise to secure the payment of the purchase price (including interest, collection, and attorney's fees).

EXTENDED
PROPOSAL #

POLI QUOTE
LIST

"&%
!!'
"#

PROPOSAL NUMBER
DATE

PROJECT NUMBER

PROJECT NAME

SALESPERSON

PROPOSAL

ALAMEDA POLICE DEPT

LOGISTICS
1555 OAK STREET
ALAMEDA CA 94501
78825-0

BRIAN TURA/ADRIENN

CITY OF ALAMEDA

KEEP MARICELA'S EMAIL FOR

POLICE DEPT
1555 OAK STREET
ALAMEDA CA 94501

06/30/25

RECORDS

RECORDS NEW CUBE SETUP
5936
PAGE

BILLING ADDRESS SHIPPING ADDRESS

CUSTOMER PURCHASE ORDER ACCOUNT NUMBER/DEPT TERMS

PRODUCT DESCRIPTION ORD

QTY UNIT PRICEITEM NUMBER

FD-LC29-2454-2-B-NDM9M3

FD-BF-2416-MOBM9M30M30S

FD-BF-2416.CUSHFRIANT J

FD-LF-4-36-BM9M30M30SLA

CW FINISH: Cloud White
TR GLASS: Clear
CW BASE: Cloud White
GRP1 FAB 1: Group 1 Friant Collection
PF801-5 SIDE 1 FABRIC: Journey Odyssey
GRP1 FAB 2: Group 1 Friant Collection
PF801-5 SIDE 2 FABRIC: Journey Odyssey

Two section credenza, drawers
& drawers, base, no power/no access
door, 29H 24D 54W
M9 Cloud White M9
M30 Barley M30
M30 Barley M30
SLANT PULL Slant Pull, Brushed Aluminum

24D, Mobile PEDESTAL, Box/File
M9 Cloud White M9
M30 Barley M30
M30 Barley M30
SLANT PULL Slant Pull, Brushed Aluminum

24 x 16 Cushion (only for use
with mobile Box/File)
FRIANT JOURNEY FAB: Friant Journey
PF801-5 FAB: Journey Odyssey

LATERAL FILE, Base, 4 drawer,
36Wx53H
M9 Cloud White M9
M30 Barley M30
M30 Barley M30

1 16
16 2
1145.22
421.18
151.73
1196.98
1145.22
6738.88
2427.68
2393.96

CONTINUED

3872.00

1424.00

513.00

4047.00

4 of 14

SUB-TOTAL
TAX

TOTAL DUE
Terms: Upon Receipt. No merchandise may be returned for credit without our consent.

Blaisdell's has the right to retain security interest in the above merchandise to secure the payment of the purchase price (including interest, collection, and attorney's fees).

EXTENDED
PROPOSAL #
White POLI QUOTE
LIST

"&%
!!'
"#

PROPOSAL NUMBER
DATE

PROJECT NUMBER

PROJECT NAME

SALESPERSON

PROPOSAL

ALAMEDA POLICE DEPT

LOGISTICS
1555 OAK STREET
ALAMEDA CA 94501
78825-0

BRIAN TURA/ADRIENN

CITY OF ALAMEDA

KEEP MARICELA'S EMAIL FOR

POLICE DEPT
1555 OAK STREET
ALAMEDA CA 94501

06/30/25

RECORDS

RECORDS NEW CUBE SETUP
5936
PAGE

BILLING ADDRESS SHIPPING ADDRESS

CUSTOMER PURCHASE ORDER ACCOUNT NUMBER/DEPT TERMS

PRODUCT DESCRIPTION ORD

QTY UNIT PRICEITEM NUMBER

FD-LF-2-30-BM9M30M30SLA

FD-W-1253-B-RM9M30M30SL

FD-W-1253-B-LM9M30M30SL

FCCAHS.24367224RM30E33D

FHFAPA.3936ECWCWGRP1PF8

SLANT PULL Slant Pull, Brushed Aluminum

LATERAL FILE, Base, 2 drawer,
30Wx29H
M9 Cloud White M9
M30 Barley M30
M30 Barley M30
SLANT PULL Slant Pull, Brushed Aluminum

53Hx12W, WARDROBE, Base,
closed door and fixed shelf, (Right)
M9 Cloud White M9
M30 Barley M30
M30 Barley M30
SLANT PULL Slant Pull, Brushed Aluminum

53Hx12W, WARDROBE, Base,
closed door and fixed shelf, (Left)
M9 Cloud White M9
M30 Barley M30
M30 Barley M30
SLANT PULL Slant Pull, Brushed Aluminum

24x36x72x24 Right Curved
Extended Corner WS TOP ONLY, for
MY-HITE base in Freestanding
Application
M30 TOP: Barley
E33 EDGE: Barley
DNA1 Does Not Apply

36"W x 39"H Monolithic panel,

1 3
4 1
5 646.85
410.83
410.83
247.86
243.71
646.85
1232.49
1643.32
247.86
1218.55

CONTINUED

2187.00

1389.00

838.00

824.00

5 of 14

SUB-TOTAL
TAX

TOTAL DUE
Terms: Upon Receipt. No merchandise may be returned for credit without our consent.

Blaisdell's has the right to retain security interest in the above merchandise to secure the payment of the purchase price (including interest, collection, and attorney's fees).

EXTENDED
PROPOSAL #
ushed Alum POLI QUOTE
LIST

"&%
!!'
"#

PROPOSAL NUMBER
DATE

PROJECT NUMBER

PROJECT NAME

SALESPERSON

PROPOSAL

ALAMEDA POLICE DEPT

LOGISTICS
1555 OAK STREET
ALAMEDA CA 94501
78825-0

BRIAN TURA/ADRIENN

CITY OF ALAMEDA

KEEP MARICELA'S EMAIL FOR

POLICE DEPT
1555 OAK STREET
ALAMEDA CA 94501

06/30/25

RECORDS

RECORDS NEW CUBE SETUP
5936
PAGE

BILLING ADDRESS SHIPPING ADDRESS

CUSTOMER PURCHASE ORDER ACCOUNT NUMBER/DEPT TERMS

PRODUCT DESCRIPTION ORD

QTY UNIT PRICEITEM NUMBER

FHFAPA.3930ECWCWGRP1PF8

FCCAHS.24366024RM30E33D

FCCAHS.24366024LM30E33D

fabric covered, powered
CW FINISH: Cloud White
CW BASE: Cloud White
GRP1 FAB 1: Group 1 Friant Collection
PF801-5 SIDE 1 FABRIC: Journey Odyssey
GRP1 FAB 2: Group 1 Friant Collection
PF801-5 SIDE 2 FABRIC: Journey Odyssey

30"W x 39"H Monolithic panel,
fabric covered, powered
CW FINISH: Cloud White
CW BASE: Cloud White
GRP1 FAB 1: Group 1 Friant Collection
PF801-5 SIDE 1 FABRIC: Journey Odyssey
GRP1 FAB 2: Group 1 Friant Collection
PF801-5 SIDE 2 FABRIC: Journey Odyssey

24x36x60x24 Right Curved
Extended Corner WS TOP ONLY, for
MY-HITE base in Freestanding
Application
M30 TOP: Barley
E33 EDGE: Barley
DNA1 Does Not Apply

24x36x60x24 Left Curved
Extended Corner WS TOP ONLY, for
MY-HITE base in Freestanding
Application
M30 TOP: Barley
E33 EDGE: Barley
DNA1 Does Not Apply

4 1
2 224.19
218.87
218.87
896.76
218.87
437.74

CONTINUED

758.00

740.00

6 of 14

SUB-TOTAL
TAX

TOTAL DUE
Terms: Upon Receipt. No merchandise may be returned for credit without our consent.

Blaisdell's has the right to retain security interest in the above merchandise to secure the payment of the purchase price (including interest, collection, and attorney's fees).

EXTENDED
PROPOSAL #
, powered POLI QUOTE
LIST

"&%
!!'
"#

PROPOSAL NUMBER
DATE

PROJECT NUMBER

PROJECT NAME

SALESPERSON

PROPOSAL

ALAMEDA POLICE DEPT

LOGISTICS
1555 OAK STREET
ALAMEDA CA 94501
78825-0

BRIAN TURA/ADRIENN

CITY OF ALAMEDA

KEEP MARICELA'S EMAIL FOR

POLICE DEPT
1555 OAK STREET
ALAMEDA CA 94501

06/30/25

RECORDS

RECORDS NEW CUBE SETUP
5936
PAGE

BILLING ADDRESS SHIPPING ADDRESS

CUSTOMER PURCHASE ORDER ACCOUNT NUMBER/DEPT TERMS

PRODUCT DESCRIPTION ORD

QTY UNIT PRICEITEM NUMBER

FSQAHT.2430-CGM30E33

FCNAHBT-24-3CW

FHPGPA.5330NCWTRCWGRP1P

FHPGPA.5324NCWTRCWGRP1P

24"x30" Rectangular WS TOP
ONLY, for MY-HITE base in Freestanding
Application, cross grain
M30 TOP: Barley
E33 EDGE: Barley

3 Stage Height Adjustable
Table Base, 24"D T-Leg, Corner
CW FIN: Cloud White

30"W x 53"H Monolithic panel,
fabric covered, partial glazed,
non-powered
CW FINISH: Cloud White
TR GLASS: Clear
CW BASE: Cloud White
GRP1 FAB 1: Group 1 Friant Collection
PF801-5 SIDE 1 FABRIC: Journey Odyssey
GRP1 FAB 2: Group 1 Friant Collection
PF801-5 SIDE 2 FABRIC: Journey Odyssey

24"W x 53"H Monolithic panel,
fabric covered, partial glazed,
non-powered
CW FINISH: Cloud White
TR GLASS: Clear
CW BASE: Cloud White

4 2
1 2
1 124.82
702.45
702.45
267.38
246.67
499.28
1404.90
702.45
534.76
246.67

CONTINUED

422.00

2375.00

904.00

834.00

7 of 14

SUB-TOTAL
TAX

TOTAL DUE
Terms: Upon Receipt. No merchandise may be returned for credit without our consent.

Blaisdell's has the right to retain security interest in the above merchandise to secure the payment of the purchase price (including interest, collection, and attorney's fees).

EXTENDED
PROPOSAL #

POLI QUOTE
LIST

"&%
!!'
"#

PROPOSAL NUMBER
DATE

PROJECT NUMBER

PROJECT NAME

SALESPERSON

PROPOSAL

ALAMEDA POLICE DEPT

LOGISTICS
1555 OAK STREET
ALAMEDA CA 94501
78825-0

BRIAN TURA/ADRIENN

CITY OF ALAMEDA

KEEP MARICELA'S EMAIL FOR

POLICE DEPT
1555 OAK STREET
ALAMEDA CA 94501

06/30/25

RECORDS

RECORDS NEW CUBE SETUP
5936
PAGE

BILLING ADDRESS SHIPPING ADDRESS

CUSTOMER PURCHASE ORDER ACCOUNT NUMBER/DEPT TERMS

PRODUCT DESCRIPTION ORD

QTY UNIT PRICEITEM NUMBER

FHFAPA.5330ECWCWGRP1PF8

FCCAHS.24368424LM30E33D

FCCAHS.24366624RM30E33D

FSQAHT.2448-CGM30E33

GRP1 FAB 1: Group 1 Friant Collection
PF801-5 SIDE 1 FABRIC: Journey Odyssey
GRP1 FAB 2: Group 1 Friant Collection
PF801-5 SIDE 2 FABRIC: Journey Odyssey

30"W x 53"H Monolithic panel,
fabric covered, powered
CW FINISH: Cloud White
CW BASE: Cloud White
GRP1 FAB 1: Group 1 Friant Collection
PF801-5 SIDE 1 FABRIC: Journey Odyssey
GRP1 FAB 2: Group 1 Friant Collection
PF801-5 SIDE 2 FABRIC: Journey Odyssey

24x36x84x24 Left Curved
Extended Corner WS TOP ONLY, for
MY-HITE base in Freestanding
Application
M30 TOP: Barley
E33 EDGE: Barley
DNA1 Does Not Apply

24x36x66x24 Right Curved
Extended Corner WS TOP ONLY, for
MY-HITE base in Freestanding
Application
M30 TOP: Barley
E33 EDGE: Barley
DNA1 Does Not Apply

24"x48" Rectangular WS TOP
ONLY, for MY-HITE base in Freestanding

1 1
1 1
242.83
329.49
243.71
143.45
242.83
329.49
243.71
143.45

CONTINUED

821.00

1114.00

824.00

485.00

8 of 14

SUB-TOTAL
TAX

TOTAL DUE
Terms: Upon Receipt. No merchandise may be returned for credit without our consent.

Blaisdell's has the right to retain security interest in the above merchandise to secure the payment of the purchase price (including interest, collection, and attorney's fees).

EXTENDED
PROPOSAL #
Friant Co POLI QUOTE
LIST

"&%
!!'
"#

PROPOSAL NUMBER
DATE

PROJECT NUMBER

PROJECT NAME

SALESPERSON

PROPOSAL

ALAMEDA POLICE DEPT

LOGISTICS
1555 OAK STREET
ALAMEDA CA 94501
78825-0

BRIAN TURA/ADRIENN

CITY OF ALAMEDA

KEEP MARICELA'S EMAIL FOR

POLICE DEPT
1555 OAK STREET
ALAMEDA CA 94501
06/30/25

RECORDS

RECORDS NEW CUBE SETUP
5936
PAGE

BILLING ADDRESS SHIPPING ADDRESS

CUSTOMER PURCHASE ORDER ACCOUNT NUMBER/DEPT TERMS

PRODUCT DESCRIPTION ORD

QTY UNIT PRICEITEM NUMBER
FCNAHBT-24-3CW
FLFSQP-4-30-METCWSLANT
FCTTB.2454M30E33SW
FD-LC29-2472-1R-B-NDM9M
FD-BC-5-36-BM9M30
FD-OS-1572R-EM9M30M30SL
Application, cross grain
M30 TOP: Barley
E33 EDGE: Barley
3 Stage Height Adjustable
Table Base, 24"D T-Leg, Corner
CW FIN: Cloud White
30"W Freestanding 4 drawer
lateral file with top cap
CW FINISH: Cloud White
SLANT PULL Slant Pull, Brushed Aluminum
Lune Nesting Table, without
Modesty, 24"D x 54"W
M30 Barley
E33 PVC: Barley
SW Star White
Two section credenza, drawers
& shelves, base, no power/no access
door, 29H 24D 72W
M9 Cloud White M9
M30 Barley M30
M30 Barley M30
SLANT PULL Slant Pull, Brushed Aluminum
CLASSIC BOOKCASE, Base, 4
shelves (3 adjustable), 36Wx69H
M9 Cloud White M9
M30 Barley M30
HUTCH OVERHEAD, sliding door,
2 2
3 1
1 1
702.45
774.92
580.89
1049.10
605.44
394.56
1404.90
1549.84
1742.67
1049.10
605.44
394.56
2375.00
2620.00
1964.00
3547.00
2047.00
1334.00
9 of 14

SUB-TOTAL
TAX

TOTAL DUE
Terms: Upon Receipt. No merchandise may be returned for credit without our consent.

Blaisdell's has the right to retain security interest in the above merchandise to secure the payment of the purchase price (including interest, collection, and attorney's fees).

EXTENDED
PROPOSAL #
ross grain POLI QUOTE
LIST

"&%
!!'
"#

PROPOSAL NUMBER
DATE

PROJECT NUMBER

PROJECT NAME

SALESPERSON

PROPOSAL

ALAMEDA POLICE DEPT

LOGISTICS
1555 OAK STREET
ALAMEDA CA 94501
78825-0

BRIAN TURA/ADRIENN

CITY OF ALAMEDA

KEEP MARICELA'S EMAIL FOR

POLICE DEPT
1555 OAK STREET
ALAMEDA CA 94501
06/30/25

RECORDS

RECORDS NEW CUBE SETUP
5936
PAGE

BILLING ADDRESS SHIPPING ADDRESS

CUSTOMER PURCHASE ORDER ACCOUNT NUMBER/DEPT TERMS

PRODUCT DESCRIPTION ORD

QTY UNIT PRICEITEM NUMBER
FCHS.1415CW
FSQAHT.2436M30E33DNA1
FAHLMOD.1678M30CW
FHCPE.85CWCW
FHCPK.1
FHCPK.90
right, single sided, 72Wx15H
M9 Cloud White M9
M30 Barley M30
M30 Barley M30
SLANT PULL Slant Pull, Brushed Aluminum
Hutch support, metal 13.62"D x
15"H (sold in pairs), for worksurface
or credenza mount
CW FIN: Cloud White
24"x36" Rectangular WS TOP
ONLY, for MY-HITE base in Freestanding
Application
M30 TOP: Barley
E33 EDGE: Barley
DNA1 Does Not Apply
16"H x 70"W LAMINATE Modesty
Panels
M30 LAM: Barley
CW FIN: Cloud White
85"H Ceiling POWER Entry,
Internal Direct Connect, 4 Circuit
CW BASE: Cloud White
CW FINISH: Cloud White
Pass-Through Festoon 23", 4
Circuit
90 Degree Power Festoon 23", 4
1 1
1 3
7 11

70.39 107.66
148.77
291.63

37.56 37.56

70.39 107.66
148.77
874.89
262.92
413.16

CONTINUED
238.00
364.00
503.00
986.00
127.00
127.00
10 of 14

SUB-TOTAL
TAX

TOTAL DUE
Terms: Upon Receipt. No merchandise may be returned for credit without our consent.

Blaisdell's has the right to retain security interest in the above merchandise to secure the payment of the purchase price (including interest, collection, and attorney's fees).

EXTENDED
PROPOSAL #
sided, 72W POLI QUOTE
LIST

"&%
!!'
"#

PROPOSAL NUMBER
DATE

PROJECT NUMBER

PROJECT NAME

SALESPERSON

PROPOSAL

ALAMEDA POLICE DEPT

LOGISTICS
1555 OAK STREET
ALAMEDA CA 94501
78825-0

BRIAN TURA/ADRIENN

CITY OF ALAMEDA

KEEP MARICELA'S EMAIL FOR

POLICE DEPT
1555 OAK STREET
ALAMEDA CA 94501
06/30/25

RECORDS

RECORDS NEW CUBE SETUP
5936
PAGE

BILLING ADDRESS SHIPPING ADDRESS

CUSTOMER PURCHASE ORDER ACCOUNT NUMBER/DEPT TERMS

PRODUCT DESCRIPTION ORD

QTY UNIT PRICEITEM NUMBER
FHRECP4.ICW
FHRECP4.IICW
FHRECP4.IIICW
FHRECP4.IIIICW

FHDPPCW
FHERWS.2448LM30E33CW
FD-SC-4-30-BM9M30M30SLA
Circuit
4 Circuit Receptacle, Circuit
A
CW FINISH: Cloud White
4 Circuit Receptacle, Circuit
B
CW FINISH: Cloud White
4 Circuit Receptacle, Circuit
C
CW FINISH: Cloud White
4 Circuit Receptacle, Circuit
D, Dedicated
CW FINISH: Cloud White
Data Port Plate 2.125"H
CW FINISH: Cloud White
48"W x 24"D Rectangular
Worksurface
M30 Barley
E33 PVC: Barley
CW FINISH: Cloud White
53Hx30W, STORAGE CABINET,
Base, 3 adjustable shelves, closed
door
M9 Cloud White M9
M30 Barley M30
7 9
10 11
9 1
1 11.54

11.54 11.54

11.54 18.63
137.83
672.88

80.78 103.86
115.40
126.94
167.67
137.83
672.88

CONTINUED

39.00 39.00

63.00 466.00
2275.00
11 of 14

SUB-TOTAL
TAX

TOTAL DUE
Terms: Upon Receipt. No merchandise may be returned for credit without our consent.

Blaisdell's has the right to retain security interest in the above merchandise to secure the payment of the purchase price (including interest, collection, and attorney's fees).

EXTENDED
PROPOSAL #

POLI QUOTE
LIST

"&%
!!'
"#

PROPOSAL NUMBER
DATE

PROJECT NUMBER

PROJECT NAME

SALESPERSON

PROPOSAL

ALAMEDA POLICE DEPT

LOGISTICS
1555 OAK STREET
ALAMEDA CA 94501
78825-0

BRIAN TURA/ADRIENN

CITY OF ALAMEDA

KEEP MARICELA'S EMAIL FOR

POLICE DEPT
1555 OAK STREET
ALAMEDA CA 94501

06/30/25

RECORDS

RECORDS NEW CUBE SETUP
5936
PAGE

BILLING ADDRESS SHIPPING ADDRESS

CUSTOMER PURCHASE ORDER ACCOUNT NUMBER/DEPT TERMS

PRODUCT DESCRIPTION ORD

QTY UNIT PRICEITEM NUMBER

FD-CS-2454M30DNA1

FH3W.53CW

FDRSH.48

FHFE.53CW

FH4W.53CW

FH2W.53CW

FDRSH.34

FHFECH.14CW

FHFE.39CW

M30 Barley M30
SLANT PULL Slant Pull, Brushed Aluminum

DESK SHELL WITH FULL MODESTY,
24X54
M30 Barley M30
DNA1 Does Not Apply

53"H 3-Way 90 Deg Connector
Hard Surface
CW FINISH: Cloud White

48"H Same Height Draw Rod

53"H Finished End
CW FINISH: Cloud White

53"H 4-Way 90 Deg Connector
Hard Surface
CW FINISH: Cloud White

53"H 2-Way 90 Deg Connector
Hard Surface
CW FINISH: Cloud White

34"H Same Height Draw Rod

14" Finished End Change of
Height, For Connector
CW FINISH: Cloud White

39"H Finished End

1 7
24 13
1 4
6 4
2 647.15

76.01 9.47

28.39 78.38

62.70 9.17

28.39 23.96
647.15
532.07
227.28
369.07

78.38 250.80

55.02 113.56

47.92 CONTINUED

2188.00

257.00

32.00 96.00

265.00

212.00

31.00 96.00

81.00 12 of 14

SUB-TOTAL
TAX

TOTAL DUE
Terms: Upon Receipt. No merchandise may be returned for credit without our consent.

Blaisdell's has the right to retain security interest in the above merchandise to secure the payment of the purchase price (including interest, collection, and attorney's fees).

EXTENDED
PROPOSAL #

POLI QUOTE
LIST

"&%
!!'
"#

PROPOSAL NUMBER
DATE

PROJECT NUMBER

PROJECT NAME

SALESPERSON

PROPOSAL

ALAMEDA POLICE DEPT

LOGISTICS
1555 OAK STREET
ALAMEDA CA 94501
78825-0

BRIAN TURA/ADRIENN

CITY OF ALAMEDA

KEEP MARICELA'S EMAIL FOR

POLICE DEPT
1555 OAK STREET
ALAMEDA CA 94501

06/30/25

RECORDS

RECORDS NEW CUBE SETUP
5936
PAGE

BILLING ADDRESS SHIPPING ADDRESS

CUSTOMER PURCHASE ORDER ACCOUNT NUMBER/DEPT TERMS

PRODUCT DESCRIPTION ORD

QTY UNIT PRICEITEM NUMBER

FFWM.34

OM5-AN -NBL02GRCMGRCM-N

500FP2290

TARIFF

FRIEGHT

TEAR DOWN/HAUL AWAY

INSTALL

CW FINISH: Cloud White

Mesh Wire Manager, 34" wide

OM5 Active Nest Chair
Oversized Carton
BL02 BL02 : Navy Blue
GRCM GRCM : Palladium Grey frame with
_ Palladium Grey arm/armless knuckle
GRCM-N Palladium Grey Armless Knuckle
WBG Whellbarrow Palladium Grey Caster
^PFB No Selection
UPS UPS : Upholstered Seat
GR4 Grade 4/Grade-in C - Cover Cloth,
_ Hopsack and Rocket
HOP Hopsack
4V10 Cinder
^ No Selection STD
^ No Selection

Flexa Pro Series Heavy Duty
Spring Action Monitor Arm

Tariff Charges imposed by
vender

Frieght imposed by vender

Tear down and haul away of
existing cubes and desking in Records dept

Install new cube layout,

9 4
9 1
1 1
1 48.51
366.20
279.11
3300.00

60.00 4200.00
6300.00
436.59
1464.80
2511.99
3300.00

60.00 4200.00
6300.00

CONTINUED

164.00

650.00

438.31

3300.00

60.00 4200.00

6300.00

13 of 14

SUB-TOTAL
TAX

TOTAL DUE
Terms: Upon Receipt. No merchandise may be returned for credit without our consent.

Blaisdell's has the right to retain security interest in the above merchandise to secure the payment of the purchase price (including interest, collection, and attorney's fees).

EXTENDED
PROPOSAL #
White POLI QUOTE
LIST

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PROPOSAL NUMBER
DATE

PROJECT NUMBER

PROJECT NAME

SALESPERSON

PROPOSAL

ALAMEDA POLICE DEPT

LOGISTICS
1555 OAK STREET
ALAMEDA CA 94501
78825-0

BRIAN TURA/ADRIENN

CITY OF ALAMEDA

KEEP MARICELA'S EMAIL FOR

POLICE DEPT
1555 OAK STREET
ALAMEDA CA 94501

06/30/25

RECORDS

RECORDS NEW CUBE SETUP
5936
PAGE

BILLING ADDRESS SHIPPING ADDRESS

CUSTOMER PURCHASE ORDER ACCOUNT NUMBER/DEPT TERMS

PRODUCT DESCRIPTION ORD

QTY UNIT PRICEITEM NUMBER

private office, break room and stoage cabinets.

14 of 14

SUB-TOTAL
TAX

TOTAL DUE
Terms: Upon Receipt. No merchandise may be returned for credit without our consent.

Blaisdell's has the right to retain security interest in the above merchandise to secure the payment of the purchase price (including interest, collection, and attorney's fees).

EXTENDED
PROPOSAL #
73722.73
7563.99
81286.72
m and stoa POLI QUOTE
LIST

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09/29/2025
Marsh Affinity
a division of Marsh USA LLC.

PO BOX 14404
Des Moines, IA 50306-9686
Marsh Affinity
800-743-8130
[email protected]
AIU Insurance Company 19399
A N 07/01/2025 07/01/2026
2,000,000
2,000,000
2,000,000
ADP TotalSource DE IV, Inc.
5800 Windward Parkway
Alpharetta, GA 30005
L/C/F:

Blaisdell and Songey, Inc.

DBA Blaisdell's Business Products
7677 OAKPORT STREET, SUITE 805
Oakland, CA 94621
WC 063535413 CAX
All worksite employees working for Blaisdell and Songey, Inc. DBA Blaisdell's Business Products paid under ADP TOTALSOURCE, INC.'s payroll, are covered under the above stated policy.

Proprietor/Partner/Executive Officer/Member are not excluded as long as they are in the ADPTS payroll or have completed the SEI Participation Addendum. WAIVER OF SUBROGATION IN FAVOR OF CITY OF ALAMEDA AS RESPECTS OF JOB PERFORMED BY Blaisdell and Songey, Inc. DBA Blaisdell's Business Products AS REQUIRED BY WRITTEN CONTRACT.

CITY OF ALAMEDA
2263 Santa Clara Ave
Alameda, CA 94501
X

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WAIVER OF SUBROGATION IN FAVOR OF CITY OF ALAMEDA AS RESPECTS OF JOB PERFORMED BY Blaisdell and Songey, Inc. DBA Blaisdell's Business Products AS REQUIRED BY WRITTEN CONTRACT.

CITY OF ALAMEDA
2263 Santa Clara Ave
Alameda, CA 94501
07/01/2025 WC 063535413 CA
AIU Insurance Company
ADP TotalSource DE IV, Inc.
5800 Windward Parkway
Alpharetta, GA 30005
L/C/F:

Blaisdell and Songey, Inc.

DBA Blaisdell's Business Products
7677 OAKPORT STREET, SUITE 805
Oakland, CA 94621

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SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE

THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS.

INSURER(S) AFFORDING COVERAGE
INSURER F :

INSURER E :

INSURER D :

INSURER C :

INSURER B :

INSURER A :

NAIC #
NAME:

CONTACT
(A/C, No):

FAX
E-MAIL
ADDRESS:

PRODUCER
(A/C, No, Ext):

PHONE

INSURED
REVISION NUMBER:CERTIFICATE NUMBER:COVERAGES
IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must have ADDITIONAL INSURED provisions or be e ndorsed.

If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A st atement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s).

THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS

CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER.

OTHER:
(Per accident)
(Ea accident)
$
$
N / A
SUBR
WVD
ADDL
INSD

THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIO D INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS

CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. $
$
$
$PROPERTY DAMAGE
BODILY INJURY (Per accident)
BODILY INJURY (Per person)

COMBINED SINGLE LIMIT

AUTOS ONLY

AUTOSAUTOS ONLY

NON-OWNED

SCHEDULEDOWNED

ANY AUTO

AUTOMOBILE LIABILITY
Y / N

WORKERS COMPENSATION

AND EMPLOYERS' LIABILITY
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(Mandatory in NH)
DESCRIPTION OF OPERATIONS below
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ANY PROPRIETOR/PARTNER/EXECUTIVE
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POLICY EXP
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COMMERCIAL GENERAL LIABILITY

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CERTIFICATE OF LIABILITY INSURANCE

DATE (MM/DD/YYYY)

CANCELLATION

AUTHORIZED REPRESENTATIVE
ACORD 25 (2016/03)
© 1988-2015 ACORD CORPORATION. All rights reserved.

CERTIFICATE HOLDER
The ACORD name and logo are registered marks of ACORD
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ODF9926346 13
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

BUSINESSOWNERS LIABILFTY SPECIAL BROADENING ENDORSEMENT This endorsement modifies insurance provided under the following:

BUSINESSOWNERS COVERAGE FORM
SUMMARY OF COVERAGES Limits Page

1. Additional Insured by Contract, Agreement or Permit Included 1

2. Additional Insured - Broad Form Vendors Included 2

3. Alienated Premises Included 3

4. Broad Form Property Damage - Borrowed Equipment, Customers Goods and Use of Elevators Included 3

5. Incidental Malpractice (Employed Nurses, EMT's and Paramedics) Included 3

6. Personal and Advertising Injury - Broad Form Included 4

7. Product Recall Expense Included 4
Product Recall Expense Each Occurrence Limit $25,000
Occurrence 5
Product Recall Expense Aggregate Limit $50,000
Aggregate 5
Product Recall Deductible $500 5

8. Unintentional Failure to Disclose Hazards Included 6

9. Unintentional Failure to Notify Included 6
This endorsement amends coverages provided under the
coverages and broader coverage grants. This coverage is Businessowners Coverage Form, except as provided below.

The following changes are made to SECTION II -
LIABILITY:

1. Additional Insured by Contract, Agreement or
Permit
The following is added to SECTION II - b.

LIABILITY, C. Who Is An Insured:

Additional Insured by Contract, Agreement or
Permit
a. Any person or organization with whom you
agreed in a written contract, written
agreement or permit to add such person or
organization as an additional insured on
your policy is an additional insured only with
respect to liability for "bodily injury",
"property damage", or "personal and
advertising injury" caused, in whole or in
part, by your acts or omissions, or the acts
or omissions of those acting on your behalf,
but only with respect to:
(1) "Your work" for the additional insured(s)
designated in the contract, agreement or
permit;
Businessowners Coverage Form through new
subject to the provisions applicable to the
(2) Premises you own, rent, lease or
occupy; or
(3) Your maintenance, operation or use of
equipment leased to you.

The insurance afforded to such additional
insured described above:
(1) Only applies to the extent permitted by
law; and
(2) Will not be broader than the insurance
which you are required by the contract,
agreement or permit to provide for such
additional insured.
(3) Applies on a primary basis if that is
required by the written contract, written
agreement or permit.
(4) Will not be broader than coverage
provided to any other insured.
(5) Does not apply if the "bodily injury",
"property damage" or "personal and
advertising injury" is otherwise excluded
from coverage under this Coverage Part,
including any endorsements thereto.
391-1006 08 16 Includes copyrighted materials of Insurance Services Offices, Inc., with its permission. Page 1 of 6

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Hanover
Insurance Croup-
ODF9926346 13
c. This provision does not apply:
(1) Unless the written contract or written
agreement was executed or permit was
issued prior to the "bodily injury",
"property damage", or "personal injury
and advertising injury".
(2) To any person or organization included
as an insured by another endorsement
issued by us and made part of this
Coverage Part.
(3) To any lessor of equipment:
(a) After the equipment lease expires; or
(b) If the "bodily injury", "property 2.
damage", "personal and advertising
injury" arises out of sole negligence
of the lessor.
(4) To any:
(a) Owners or other interests from whom
land has been leased if the
"occurrence" takes place or the
offense is committed after the lease
for the land expires; or
(b) Managers or lessors of premises if:
(i) The "occurrence" takes place or
the offense is committed after
you cease to be a tenant in that
premises; or
(ii) The "bodily injury", "property
damage", "personal injury" or
"advertising injury" arises out of
structural alterations, new
construction or demolition
operations performed by or on
behalf of the manager or lessor.
(5) To "bodily injury", "property damage" or
"personal and advertising injury" arising
out of the rendering of or the failure to
render any professional services.

This exclusion applies even if the claims
against any insured allege negligence or
other wrongdoing in the supervision,
hiring, employment, training or
monitoring of others by that insured, if
the "occurrence" which caused the
"bodily injury" or "property damage" or
the offense which caused the "personal
and advertising injury" involved the
rendering of or failure to render any
professional services by or for you.
d. With respect to the insurance afforded to
these additional insureds, the following is
added to SECTION II - LIABILITY, D. Liability
and Medical Expense Limits of Insurance:

The most we will pay on behalf of the
additional insured for a covered claim is the
lesser of the amount of insurance:

1. Required by the contract, agreement or
permit described in Paragraph a.; or

2. Available under the applicable Limits of
Insurance shown in the Declarations.

This endorsement shall not increase the
applicable Limits of Insurance shown in the
Declarations
e. All other insuring agreements, exclusions,
and conditions of the policy apply.

Additional Insured - Broad Form Vendors
The following is added to SECTION II -
LIABILITY, C. Who Is An Insured:

Additional Insured - Broad Form Vendors
a. Any person or organization that is a vendor
with whom you agreed in a written contract
or written agreement to include as an
additional insured under this Coverage Part
is an insured, but only with respect to liability
for "bodily injury" or "property damage"
arising out of "your products" which are
distributed or sold in the regular course of
the vendor's business.
b. The insurance afforded to such vendor
described above:
(1) Only applies to the extent permitted by
law;
(2) Will not be broader than the insurance
which you are required by the contract or
agreement to provide for such vendor;
(3) Will not be broader than coverage
provided to any other insured; and
(4) Does not apply if the "bodily injury",
"property damage" or "personal and
advertising injury" is otherwise excluded
from coverage under this Coverage Part,
including any endorsements thereto
c. With respect to insurance afforded to such
vendors, the following additional exclusions
apply:

The insurance afforded to the vendor does
not apply to:
(1) "Bodily injury" or "property damage" for
which the vendor is obligated to pay
damages by reasons of the assumption of
liability in a contract or agreement. This
exclusion does not apply to liability for
damages that the insured would have in
the absence of the contract or
agreement;
(2) Any express warranty unauthorized by
you;
391-1006 08 16 Includes copyrighted materials of Insurance Services Offices, Inc., with its permission. Page 2 of 6

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(3) Any physical or chemical change in the
product made intentionally by the
vendor;
(4) Repackaging, unless unpacked solely for
the purpose of inspection,
demonstration, testing, or the
substitution of parts under instruction
from the manufacturer, and then
repackaged in the original container;
(5) Any failure to make such inspection,
adjustments, tests or servicing as the
vendor has agreed to make or normally 3.
undertakes to make in the usual course
of business in connection with the sale
of the product;
(6) Demonstration, installation, servicing or
repair operations, except such
operations performed at the vendor's
premises in connection with the sale of
the product;
(7) Products which, after distribution or sale
by you, have been labeled or relabeled
or used as a container, part or 4ingredient of any other thing or substance by or for the vendor;
(8) "Bodily injury" or "property damage"
arising out of the sole negligence of the
vendor for its own acts or omissions or
those of its employees or anyone else
acting on its behalf. However, this
exclusion does not apply to:
(a) The exceptions contained within the
exclusion in subparagraphs (4) or (6)
above; or
(b) Such inspections, adjustments, tests
or servicing as the vendor has
agreed to make or normally
undertakes to make in the usual
course of business, in connection
with the distribution or sale of the
products.
(9) "Bodily injury" or "property damage"
arising out of an "occurrence" that took
place before you have signed the
contract or agreement with the vendor.
(10)To any person or organization included
as an insured by another endorsement
issued by us and made part of this
Coverage Part.
(11)Any insured person or organization,
from whom you have acquired such
products, or any ingredient, part or
container, entering into, accompanying 5.
or containing such products.
d. With respect to the insurance afforded to
these vendors, the following is added to
SECTION II - LIABILITY, D. Liability and
Medical Expense Limits of Insurance:

The most we will pay on behalf of the vendor
for a covered claim is the lesser of the
amount of insurance:

1. Required by the contract or agreement
described in Paragraph a.; or

2. Available under the applicable Limits of
Insurance shown in the Declarations;
This endorsement shall not increase the
applicable Limits of Insurance shown in the
Declarations.

Alienated Premises
SECTION II - LIABILITY, B. Exclusions, 1.

Applicable To Business Liability Coverage k.

Damage to Property, paragraph (2) is replaced by
the following:
(2) Premises you sell, give away or abandon, if
the "property damage" arises out of any part
of those premises and occurred from hazards
that were known by you, or should have
reasonably been known by you, at the time
the property was transferred or abandoned.

Broad Form Property Damage - Borrowed
Equipment, Customers Goods, Use of Elevators
a. The following is added to SECTION II -
LIABILITY, B. Exclusions, 1. Applicable To
Business Liability Coverage, k. Damage to
Property:

Paragraph (4) does not apply to "property
damage" to borrowed equipment while at a
jobsite and not being used to perform
operations.

Paragraph (3), (4) and (6) do not apply to
"property damage" to "customers goods"
while on your premises nor to the use of
elevators.
b. For the purposes of this endorsement, the
following definition is added to SECTION II -
LIABILITY, F. Liability and Medical Expenses
Definitions:

1. "Customers goods" means property of
your customer on your premises for the
purpose of being:
a. Worked on; or
b. Used in your manufacturing process.
c. The insurance afforded under this provision is
excess over any other valid and collectible
property insurance (including deductible)
available to the insured whether primary,
excess, contingent or on any other basis.

Incidental Malpractice - Employed Nurses, EMT's
and Paramedics
SECTION II - LIABILITY, C. Who Is An Insured,
paragraph 2.a.(1)(d) does not apply to a nurse,
391-1006 08 16 Includes copyrighted materials of Insurance Services Offices, Inc., with its permission. Page 3 of 6

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Hanover
Insurance Group-
ODF9926346 13
emergency medical technician or paramedic
employed by you if you are not engaged in the
business or occupation of providing medical,
paramedical, surgical, dental, x-ray or nursing
services.

6. Personal Injury - Broad Form
a. SECTION II - LIABILITY, B. Exclusions, 2.

Additional Exclusions Applicable only to
"Personal and Advertising Injury", paragraph
e. is deleted.
b. SECTION II - LIABILITY, F. Liability and
Medical Expenses Definitions, 14. "Personal
and advertising injury", paragraph b. is
replaced by the following:
b. Malicious prosecution or abuse of
process.
c. The following is added to SECTION II -
LIABILITY, F. Liability and Medical Expenses
Definitions, Definition 14. "Personal and
advertising injury":
"Discrimination" (unless insurance thereof is
prohibited by law) that results in injury to the
feelings or reputation of a natural person,
but only if such "discrimination" is:
(1) Not done intentionally by or at the
direction of:
(a) The insured;
(b) Any officer of the corporation,
director, stockholder, partner or
member of the insured; and
(2) Not directly or indirectly related to an
"employee", not to the employment,
prospective employment or termination
of any person or persons by an insured.
d. For purposes of this endorsement, the
following definition is added to SECTION II -
LIABILITY, F. Liability and Medical Expenses
Definitions:

1. "Discrimination" means the unlawful
treatment of individuals based upon race,
color, ethnic origin, gender, religion, age,
or sexual preference. "Discrimination"
does not include the unlawful treatment
of individuals based upon developmental,
physical, cognitive, mental, sensory or
emotional impairment or any
combination of these.
e. This coverage does not apply if liability
coverage for "personal and advertising
injury" is excluded either by the provisions of
the Coverage Form or any endorsement
thereto.

7. Product Recall Expense
a. SECTION II - LIABILITY, B. Exclusions, 1.

Applicable To Business Liability Coverage,
o. Recall of Products, Work or Impaired
Property is replaced by the following:
o. Recall of Products, Work or Impaired
Property
Damages claimed for any loss, cost or
expense incurred by you or others for
the loss of use, withdrawal, recall,
inspection, repair, replacement,
adjustment, removal or disposal of:
(1) "Your product";
(2) "Your work"; or
(3) "Impaired property";
If such product, work or property is
withdrawn or recalled from the market or
from use by any person or organization
because of a known or suspected defect,
deficiency, inadequacy or dangerous
condition in it, but this exclusion does
not apply to "product recall expenses"
that you incur for the "covered recall" of
"your product".

However, the exception to the exclusion
does not apply to "product recall
expenses" resulting from:
(4) Failure of any products to accomplish
their intended purpose;
(5) Breach of warranties of fitness,
quality, durability or performance;
(6) Loss of customer approval, or any
cost incurred to regain customer
approval;
(7) Redistribution or replacement of
"your product" which has been
recalled by like products or
substitutes;
(8) Caprice or whim of the insured;
(9) A condition likely to cause loss of
which any insured knew or had
reason to know at the inception of
this insurance;
(10)Asbestos, including loss, damage or
clean up resulting from asbestos or
asbestos containing materials; or
(11)Recall of "your products" that have
no known or suspected defect solely
because a known or suspected
defect in another of "your products"
has been found.
b. The following is added to SECTION II -
LIABILITY, C. Who Is An Insured, paragraph

3.b.:
"Product recall expense" arising out of any
withdrawal or recall that occurred before you
acquired or formed the organization.
391-1006 08 16 Includes copyrighted materials of Insurance Services Offices, Inc., with its permission. Page 4 of 6

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c. The following is added to SECTION II -
LIABILITY, D. Liability and Medical Expenses
Limits of Insurance:

Product Recall Expense Limits of Insurance
a. The Limits of Insurance shown in the
SUMMARY OF COVERAGES of this
endorsement and the rules stated below
fix the most that we will pay under this
Product Recall Expense Coverage
regardless of the number of:
(1) Insureds;
(2) "Covered Recalls" initiated; or
(3) Number of "your products"
withdrawn.
b. The Product Recall Expense Aggregate
Limit is the most that we will reimburse
you for the sum of all "product recall
expenses" incurred for all "covered
recalls" initiated during the policy period.
c. The Product Recall Each Occurrence
Limit is the most we will pay in
connection with any one defect or
deficiency.
d. All "product recall expenses" in
connection with substantially the same
general harmful condition will be
deemed to arise out of the same defect
or deficiency and considered one
"occurrence".
e. Any amount reimbursed for "product
recall expenses" in connection with any
one "occurrence" will reduce the amount
of the Product Recall Expense Aggregate
Limit available for reimbursement of
"product recall expenses" in connection
with any other defect or deficiency.
f. If the Product Recall Expense Aggregate
Limit has been reduced by
reimbursement of "product recall
expenses" to an amount that is less than
the Product Recall Expense Each
Occurrence Limit, the remaining
Aggregate Limit is the most that will be
available for reimbursement of "product
recall expenses" in connection with any
other defect or deficiency.
g. Product Recall Deductible
We will only pay for the amount of
"product recall expenses" which are in
excess of the $500 Product Recall
Deductible. The Product Recall
Deductible applies separately to each
"covered recall". The limits of insurance
will not be reduced by the amount of this
deductible.

We may, or will if required by law, pay all
or any part of any deductible amount, if
applicable. Upon notice of our payment
of a deductible amount, you shall
promptly reimburse us for the part of the
deductible amount we paid.

The Product Recall Expense Limits of
Insurance apply separately to each
consecutive annual period and to any
remaining period of less than 12 months,
starting with the beginning of the policy
period shown in the Declarations, unless the
policy period is extended after issuance for
an additional period of less than 12 months.

In that case, the additional period will be
deemed part of the last preceding period for
the purposes of determining the Limits of
Insurance.
d. The following is added to SECTION II -
LIABILITY, E. Liability and Medical Expense
General Conditions, 2. Duties in the Event of
Occurrence, Offense, Claim or Suit:

You must see to it that the following are
done in the event of an actual or anticipated
"covered recall" that may result in "product
recall expense":
(1) Give us prompt notice of any discovery
or notification that "your product" must
be withdrawn or recalled. Include a
description of "your product" and the
reason for the withdrawal or recall;
(2) Cease any further release, shipment,
consignment or any other method of
distribution of like or similar products
until it has been determined that all
such products are free from defects that
could be a cause of loss under this
insurance.
e. For the purposs of this endorsement, the
following definitions are added to SECTION
II - LIABILITY, F. Liability and Medical
Expenses Definitions:

1. "Covered recall" means a recall made
necessary because you or a government
body has determined that a known or
suspected defect, deficiency,
inadequacy, or dangerous condition in
"your product" has resulted or will result
in "bodily injury" or "property damage".

2. "Product recall expense(s)" means:
a. Necessary and reasonable expenses
for:
(1) Communications, including radio
or television announcements or
printed advertisements including
stationary, envelopes and
postage;
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Hanover
Insurance Group,
ODF9926346 13
(2) Shipping the recalled products
from any purchaser, distributor or
user to the place or places
designated by you;
(3) Remuneration paid to your
regular ''employees" for
necessary overtime;
(4) Hiring additional persons, other
than your regular "employees'1;
Q
(5) Expenses incurred by "employees"
including transportation and
accommodations;
(6) Expenses to rent additional
warehouse or storage space;
(7) Disposal of "your product", but
only to the extent that specific
methods of destruction other than
those employed for trash
discarding or disposal are g
required to avoid "bodily injury"
or "property damage" as a result
of such disposal,
you incur exclusively for the purpose
of recalling "your product"; and
b. Your lost profit resulting from such
"covered recall".
f. This Product Recall Expense Coverage does
not apply:
(1) If the "products - completed operations
hazard" is excluded from coverage under
this Coverage Part including any
endorsement thereto; or
(2) To "product recall expense" arising out of
any of "your products" that are otherwise
excluded from coverage under this
Coverage Part including endorsements
thereto.

Unintentional Failure to Disclose Hazards
The following is added to SECTION II -
LIABILITY, E. Liability and Medical Expenses
General Conditions:

Representations
We will not disclaim coverage under this
Coverage Part if you fail to disclose all hazards
existing as of the inception date of the policy
provided such failure is not intentional.

Unintentional Failure to Notify
The following is added to SECTION II -
LIABILITY, E. Liability and Medical Expenses
General Conditions, 2. Duties in the Event of
Occurrence, Offense, Claim or Suit:

Your rights afforded under this Coverage Part
shall not be prejudiced if you fail to give us
notice of an "occurrence", offense, claim or "suit",
solely due to your reasonable and documented
belief that the "bodily injury", "property damage"
or "personal and advertising injury" is not
covered under this Policy.

ALL OTHER TERMS, CONDITIONS, AND EXCLUSIONS REMAIN UNCHANGED. 391-1006 08 16 Includes copyrighted materials of Insurance Services Offices, Inc., with its permission. Page 6 of 6

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Hanover
Insurance Group..

ODF9926346 13
6/1/2025 to 6/1/2026

BUSINESSOWNERS COVERAGE FORM
Table of ContentsSECTION I - PROPERTY Page
Number
A. Coverage 4

1. Covered Property 4

2. Property Not Covered 5

3. Covered Causes of Loss 6

4. Limitations 6

5. Additional Coverages 7
Business Income 10
Business Income from Dependent Properties 17
Civil Authority 13
Collapse 8
Commercial Tools and Small Equipment 27
Computer Equipment 20
Computer and Funds Transfer Fraud 34
Debris Removal 7
Deferred Payments 31
Electronic Vandalism 31
Employee Theft including ERISA Compliance 18
Equipment Breakdown 22
Extra Expense 12
Fine Arts 28
Fire Department Service Charge 8
Fire Protection Equipment Recharge 18
Forgery or Alteration 13
Glass Expenses 18
Installation 27
Interruption of Computer Operations 32
Leasehold Interest (Tenants only) 29
Limited Coverage for Fungi, Wet Rot, or Dry Rot 33
Money and Securities 21
Money Orders and Counterfeit Money 13
Ordinance or Law 14
Preservation of Property 8
Pollutant Clean-Up and Removal 12
Rewards- Arson, Theft and Vandalism 20
Sales Representative Samples 29
Tenant Building Insurance - When Your Lease Requires You to Provide Insurance 34 Tenant Business Personal Property Insurance - When Your Lease Requires You to 34 Provide Insurance
Tenant Signs (Tenants Only) 22
Theft of Telephonic Services 34
Unauthorized Business Credit Card Use 30
Utility Services 30
Water Damage, Other Liquids, Powder or Molten Material Damage 10 391-1003 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 1 of 81I

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6. Coverage Extensions 35
Accounts Receivable 37
Business Personal Property Temporarily in Portable Storage Units 39 Appurtenant Structures 38
Inventory and Loss Appraisal 39
Key Replacement and Lock Repair 38
Newly Acquired or Constructed Property 35
Outdoor Property 36
Paved Surfaces 39
Personal Effects 36
Personal Property Off Premises 36
Personal Property In Transit 38
Valuable Papers and Records (Other Than Electronic Data) 36 Underground Pipes 40
B. Exclusions 40
C. Limits of Insurance 45
D. Deductibles 46
E. Property Loss Conditions 47

1. Abandonment 47

2. Appraisal 47

3. Duties in the Event of Loss or Damage 47

4. Legal Action Against Us 48

5. Loss Payment 48

6. Recovered Property 50

7. Vacancy 50

8. Pair, Sets or Parts 51
F. Property General Conditions 51

1. Control of Property 51

2. Mortgageholders 51

3. No Benefit to Bailee 52

4. Policy Period, Coverage Territory 52

5. Protective Devices 52

6. Increase in Hazard 52
G. Property Definitions 52

SECTION II - LIABILITY
A. Coverages 59

1. Business Liability 59

2. Medical Expenses 61
B. Exclusions 62

1. Applicable to Business Liability Coverage 62

2. Additional Exclusions Applicable only to Personal and Advertising Injury 68

3. Additional Exclusions Applicable to Medical Expenses Coverage Only 69

4. Additional Exclusions Applicable to Both Business Liability Coverage and Medical Expenses 70 Coverage - Nuclear Energy Liability Exclusion
C. Who is an Insured 71
D. Liability and Medical Expenses Limits of Insurance 72 391-1003 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 2 of 81

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Hanover
Insurance Group..

ODF9926346 13
6/1/2025 to 6/1/2026
E. Liability and Medical Expenses General Conditions 73

1. Bankruptcy 73

2. Duties in the Event of Occurrence, Offense, Claim or Suit 73

3. Legal Action Against Us 73

4. Separation of Insureds 73
F. Liability and Medical Expenses Definitions 74

SECTION

SECTION
II
III
- -

LIABILITY)

COMMON POLICY CONDITIONS (APPLICABLE TO SECTION I - PROPERTY AND A. Cancellation 77
B. Changes 78
C. Concealment, Misrepresentation or Fraud. 78
D. Examination of Your Books and Records 78
E. Inspections and Surveys 78
F. Insurance Under Two or More Coverages 78
G. Liberalization 79
H. Other Insurance 79
I. Premiums 80
J. Premium Audit 80
K. Transfer of Rights of Recovery Against Others to Us 80 L. Transfer of Your Rights and Duties Under This Policy 81 391-1003 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 3 of 81I r i

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SECTION I - PROPERTY
A. Coverage
We will pay for direct physical loss of or
damage to Covered Property at the premises
described in the Declarations caused by or
resulting from any Covered Cause of Loss.

1. Covered Property
Covered Property includes Buildings as
described in paragraph a. below, Business
Personal Property as described in
paragraph b. below, or both, depending on
whether a Limit of Insurance is shown in
the Declarations for that type of property.

Regardless of whether coverage is shown
in the Declarations for Buildings, Business
Personal Property, or both, there is no
coverage for property described in
SECTION I - PROPERTY, A. Coverage, 2.

Property Not Covered.
a. Buildings, meaning the buildings and
structures at the premises described in
the Declarations, including:
(1) Completed additions;
(2) Fixtures, including outdoor fixtures;
(3) Permanently installed:
(a) Machinery; and
(b) Equipment;
(4) Your personal property in
apartments, rooms or common
areas furnished by you as the
landlord;
(5) Personal property owned by you
that is used to maintain or service
the buildings or structures or the
premises, including:
(a) Fire protection equipment;
(b) Outdoor furniture;
(c) Floor coverings; and
(d) Appliances used for
refrigerating, ventilating,
cooking, dishwashing or
laundering;
(6) If not covered by other insurance
(a) Additions under construction,
alterations and repairs to the
buildings or structures;
(b) Materials, equipment, supplies
and temporary structures, on
or within 1,000 feet of the
described premises, used for
making additions, alterations
or repairs to the buildings or
structures.
(7) Signs, whether or not they are
attached to covered buildings or
structures;
(8) Interior and Exterior Building
glass if you are a building owner;
(9) Fences and retaining walls located
on or within 1,000 feet of a
covered building or structure,
whether or not attached to
buildings or structures, except for
retaining walls that are used, in
whole or in part, to contain water.
b. Business Personal Property located in
or on the buildings or structures at the
described premises or in the open (or
in a vehicle) within 1,000 feet of the
building or structures or within 1,000
feet of the premises described in the
Declarations, whichever distance is
greater, including:
(1) Property you own that is used in
your business;
(2) Property of others that is in your
care, custody or control, including
the cost of labor, materials or
services furnished or arranged by
you on personal property of
others, except as otherwise
provided in SECTION I
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6/1/2025 to 6/1/2026

BUSINESSOWNERS COVERAGE FORM
Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered.

Throughout this Coverage Form the words "you" and "your" refer to the Named Insured shown in the Declarations. The words "we", "us" and "our" refer to the company providing this insurance.

In SECTION II - LIABILITY, the word "insured" means any person or organization qualifying as such under paragraph C. Who is an Insured.

Other words and phrases that appear in quotation marks have special meaning. Refer to paragraph G.

Property Definitions in SECTION I - PROPERTY and paragraph F. Liability and Medical Expenses Definitions in SECTION II - LIABILITY.

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Hanover
Insurance Group..

ODF9926346 13
6/1/2025 to 6/1/2026
PROPERTY, E. Property Loss
Condition, 5. Loss Payment
paragraph d., subparagraph (3)(b);
(3) Tenant's improvements and
betterments. Improvements and
betterments are fixtures,
alterations, installations or
additions:
(a) Made a part of the building or
structure you occupy but do not
own; and
(b) You acquired or made at your
expense but cannot legally
remove.
(4) Leased personal property for which
you have a written contractual
responsibility to insure, unless
otherwise provided in paragraph
(2) above;
(5) Exterior building glass, if you are a
tenant and no Limit of Insurance is
shown in the Declarations for
Building property. The glass must
be owned by you or in your care,
custody or control;
(6) Physical damage sustained to a
building leased to you caused by or
resulting from "theft" or attempted
"theft", burglary or robbery of your
Business Personal Property.

2. Property Not Covered
Covered Property does not include:
a. Aircraft, automobiles, motortrucks and
other vehicles subject to motor vehicle
registration;
b. Contractor's equipment, which is used
or operated principally away from the
premises described in the
Declarations, or parts and equipment,
whether attached or unattached to
contractor's equipment, unless such
parts and equipment is held for sale by
you, or sold by you but not delivered
unless specifically endorsed and
scheduled, or as provided for in
SECTION I - PROPERTY, B. Additional
Coverages, v. Commercial Tools and
Small Equipment;
c. "Money" or "securities" except as
provided in the:
(1) Money and Securities Additional
Coverage; or
(2) Employee Theft Additional
Coverage;
d. Contraband or property in the course
of illegal transportation or trade;
e. Land, whether or not resurfaced with
stone, gravel or similar layer (including
land on which the property is located),
water, growing crops or lawns (other
than lawns which are part of a
vegetated roof), except as provided in
SECTION I - PROPERTY, A. Coverage,

6. Coverage Extension, I. Paved
Surfaces;
f. Outdoor radio or television antennas
(including satellite dishes) and their
lead-in wiring, masts or towers, trees,
shrubs or plants (other than trees,
shrubs or plants which are part of a
vegetated roof), all except as provided
in SECTION I - PROPERTY, A.

Coverage, 6. Coverage Extension, c.

Outdoor Property;
g. Watercraft (including motors,
equipment and accessories);
h. Accounts, bills, food stamps, other
evidences of debt, accounts receivable
or "valuable papers and records";
except as otherwise provided in this
Coverage Form;
i. "Computer equipment", which is
permanently installed or designed to
be permanently installed in any
aircraft, watercraft, motortruck or other
vehicle subject to motor vehicle
registration. This paragraph does not
apply to "computer equipment" while
held as "stock";
j. "Electronic Data", except as provided
under the Computer Equipment and
Electronic Vandalism Additional
Coverages. This paragraph does not
apply to your "stock" of prepackaged
"software" or to "electronic data"
which is integrated in and operates or
controls the building's elevator,
lighting, heating, ventilation, air
conditioning or security system;
k. Animals, unless owned by others and
boarded by you, or held for sale by
you, or sold but not delivered, and
only while inside of buildings;
I. The cost of excavations, grading,
backfilling, or filling;
m. Bulkheads, pilings, piers, wharves or
docks;
n. Retaining walls that are used, in whole
or in part, to contain water.
o. "Computer Equipment", except as
provided for under the:
(1) Computer Equipment Additional
Coverage;
(2) Equipment Breakdown Additional
Coverage; or
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(3) Electronic Vandalism Additional
Coverage.
p. Commercial tools and small equipment
except as provided in SECTION I -
PROPERTY, A. Coverage, 5. Additional
Coverages, v. Commercial Tools and
Small Equipment or for contractor's
equipment specifically endorsed and
scheduled. This does not apply to your
commercial tools and small equipment
permanently installed or exclusively
used at the described premises;
q. Employee tools and small equipment
except as provided for in SECTION I -
PROPERTY, A. Coverage, 5. Additional
Coverages, v. Commercial Tools and
Small Equipment or when added by
separate endorsement;
r. Bridges (unless the bridge is made a
part of a covered Building), roadways,
walks, patios or other paved surfaces,
except as provided in SECTION I -
PROPERTY, A. Coverage, 6. Coverage
Extensions, I. Paved Surfaces;
s. Underground pipes, flues or drains
except as provided in SECTION I -
PROPERTY, A. Coverage, 6. Coverage
Extensions, m. Underground Pipes; and
t. Personal Property while airborne or
waterborne.

3. Covered Causes of Loss
Risks of direct physical loss unless the loss
is:
a. Excluded in SECTION I PROPERTY, B.

Exclusions; or
b. Limited in SECTION I - PROPERTY, A.

Coverages, 4. Limitations

4. Limitations
a. We will not pay for loss of or damage
to:
(1) Property that is missing, where the
only evidence of the loss or
damage is a shortage disclosed on
taking inventory, or other instances
where there is no physical
evidence to show what happened
to the property. This limitation does
not apply to SECTION I
PROPERTY, A. Coverage, 5.

Additional Coverages, s. Money and
Securities.
(2) Property that has been transferred
to a person or to a place outside
the described premises on the
basis of unauthorized instructions.
(3) The interior of any building or
structure, or to personal property
in the building or structure,
caused by or resulting from rain,
snow, sleet, ice, sand or dust,
whether driven by wind or not,
unless:
(a) The building or structure first
sustains damage by a
Covered Cause of Loss to its
roof or walls through which
the rain, snow, sleet, ice, sand
or dust enters; or
(b) The loss or damage is caused
by or results from thawing of
snow, sleet or ice on the
building or structure.
(4) Lawns, trees, shrubs or plants
which are part of a vegetated roof,
caused by or resulting from:
(a) Dampness or dryness of
atmosphere or of soil
supporting the vegetation;
(b) Changes in or extremes of
temperature;
(c) Disease;
(d) Frost or hail; or
(e) Rain, snow, ice or sleet.
b. We will not pay for loss of or damage
to the following types of property
unless caused by any of the "specified
causes of loss" or building glass
breakage:
(1) Animals, and then only if they are
killed or their destruction is made
necessary.
(2) Fragile articles such as glassware,
statuary, marble, chinaware and
porcelain, if broken. This
restriction does not apply to:
(a) Glass that is part of the
exterior or interior of a
building or structure;
(b) Containers of property held for
sale; or
(c) Photographic or scientific
instrument lenses.
c. For loss or damage by "theft", the
following types of property are
covered only up to the limits shown:
(1) $10,000 for furs, fur garments and
garments trimmed with fur.
(2) $10,000 for jewelry, watches,
watch movements, jewels, pearls,
precious and semi-precious
stones, bullion, gold, silver,
platinum and other precious alloys
or metals. This limit does not
apply to jewelry and watches
worth $250 or less per item.
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5. Additional Coverages
a. Debris Removal
(1) Subject to paragraphs (2), (3) and
(4) below, we will pay your
expense to remove debris of
Covered Property and other debris
that is on the described premises,
when such debris is caused by or
results from a Covered Cause of
Loss that occurs during the policy
period. The expenses will be paid
only if they are reported to us in
writing within 180 days of the date
of direct physical loss or damage.
(2) Debris Removal does not apply to
costs to:
(a) Remove debris of property of
yours that is not insured under
this Coverage Form, or
property in your possession
that is not Covered Property;
(b) Remove debris of property
owned or leased to the
landlord of the building where
your described premises are
located, unless you have a
contractual responsibility to
insure such property and it is
insured under this Coverage
Form;
(c) Remove any property that is
Property Not Covered except
as provided under the Outdoor
Property Coverage Extension;
(d) Remove property of others of a
type that would not be Covered
Property under this Coverage
Form;
(e) Remove deposits of mud or
earth from the grounds of the
described premises;
(f) Extract "pollutants" from land
or water; or
(g) Remove, restore or replace
polluted land or water.
(3) Subject to the exceptions in
paragraph (4) below, the following
provisions apply:
(a) The most that we will pay for
the total of direct physical loss
or damage plus debris removal
expense is the Limit of
Insurance applicable to the
Covered Property that has
sustained loss or damage.

Hanover
Insurance Group-
ODF9926346 13
6/1/2025 to 6/1/2026
(b) Subject to paragraph (a)
above, the amount we will pay
for debris removal expense is
limited to 25% of the sum of
the deductible plus the
amount that we pay for direct
physical loss or damage to
the Covered Property that has
sustained loss or damage.

However, if no Covered
Property has sustained direct
physical loss or damage, the
most we will pay for removal
of debris of other property (if
such removal is covered
under this Additional
Coverage) is $5,000 at each
location.
(4) We will pay up to an additional
$25,000 for debris removal
expense, for each location, in any
one occurrence of physical loss of
or damage to Covered Property, if
one or both of the following
circumstances apply:
(a) The total of the actual debris
removal expense plus the
amount we pay for direct
physical loss or damage
exceeds the Limit of
Insurance on the Covered
Property that has sustained
loss or damage.
(b) The actual debris removal
expense exceeds 25% of the
sum of the deductible plus the
amount that we pay for direct
physical loss of or damage to
the Covered Property that has
sustained loss or damage.

Therefore, if paragraphs (a)
and/or (b) above apply, our total
payment for direct physical loss
or damage and debris removal
expense may reach but will never
exceed the Limit of Insurance on
the Covered Property that has
sustained loss or damage, plus
$25,000.
(5) Examples
Example #1Limit of Insurance $ 90,000
Amount of Deductible $ 500
Amount of Loss $ 50,000
Amount of Loss Payable $ 49,500
($50,000 - $500)
Debris Removal Expense $ 10,000
Debris Removal Expense
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Payable $ 10,000
($10,000 is 20% of $50,000)
The debris removal expense is less
than 25% of the sum of the loss
payable plus the deductible. The
sum of the loss payable and the
debris removal expense ($49,500 +
$10,000 = $59,500) is less than the
Limit of Insurance. Therefore the
full amount of debris removal
expense is payable in accordance
with the terms of paragraph (3)
above.

Example #2
Limit of Insurance $90,000
Amount of Deductible $500
Amount of Loss $ 80,000
Amount of Loss Payable $79,500
($80,000 -$500)
Debris Removal Expense $40,000
Debris Removal Expense
Payable
Basic Amount $10,500
Additional Amount $25,000
The basic amount payable for
debris removal expense under the
terms of paragraph (3) above is
calculated as follows: $80,000
($79,500 + $500) x .25 = $20,000
(capped at $10,500). The cap
applies because the sum of the
loss payable ($79,500) and the
basic amount payable for debris
removal expense ($10,500) cannot
exceed the Limit of Insurance
($90,000).

The additional amount payable for
debris removal expense is
provided in accordance with the
terms of paragraph (4) above,
because the debris removal
expense ($40,000) exceeds 25% of
the loss payable plus the
deductible ($40,000 is 50% of
$80,000), and because (from
paragraph (3) (a)) the sum of the
loss payable and debris removal
expense ($79,500 + $40,000 =
$119,500) would exceed the Limit of
Insurance ($90,000). The additional
amount of covered debris removal
expense is $25,000, the maximum
payable under paragraph (4)
above. Thus the total payable for
debris removal expense in this
example is $35,500; $4,500 of the
debris removal expense is not
covered.
b. Preservation of Property
If it is necessary to move Covered
Property from the described premises
to preserve it from loss or damage by
a Covered Cause of Loss, we will pay
for any direct physical loss of or
damage to that property:
(1) While it is being moved or while
temporarily stored at another
location; and
(2) Only if the loss or damage occurs
within 90 days after the property is
first moved.

This Additional Coverage does not
increase the applicable Limit of
Insurance.
c. Fire Department Service Charge
When the fire department is called to
save or protect Covered Property from
a Covered Cause of Loss, we will pay
up to $25,000 for service at each
premises described in the
Declarations, unless a higher Limit of
Insurance is shown in the Declarations.

Such limit is the most we will pay
regardless of the number of
responding fire departments or fire
units, and regardless of the number or
type of services performed.

This Additional Coverage applies to
your liability for fire department
services charges:
(1) Assumed by contract or agreement
prior to loss; or
(2) Required by local ordinance.
d. Collapse
The coverage provided under this
Additional Coverage - Collapse applies
only to an abrupt collapse as
described and limited in paragraphs
(1), (2), (3), (4), (5), (6) and (7) below.
(1) For the purpose of this Additional
Coverage - Collapse, abrupt
collapse means an abrupt falling
down or caving in of a building or
any part of a building with the
result that the building or part of
the building cannot be occupied for
its intended purpose.
(2) We will pay for direct physical loss
of or damage to Covered Property,
caused by abrupt collapse of a
building or any part of a building
that is insured under this policy or
that contains Covered Property
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Hanover
Insurance Group..

ODF9926346 13
6/1/2025 to 6/1/2026
insured under this policy, if such
collapse is caused by one or more
of the following:
(a) Building decay that is hidden
from view, unless the presence
of such decay is known to any
insured prior to collapse;
(b) Insect or vermin damage that
is hidden from view, unless the
presence of such damage is
known to any insured prior to
collapse;
(c) Use of defective material or
methods in construction,
remodeling or renovation if the
abrupt collapse occurs during
the course of the construction,
remodeling or renovation; or
(d) Use of defective material or
methods in construction,
remodeling or renovation if the
abrupt collapse occurs after
the construction, remodeling or
renovation is complete, but
only if the collapse is caused in
part by:
(i) A cause of loss listed in
paragraphs (a) or (b) above
of this Additional Coverage;
(ii) One or more of the
"specified causes of loss";
(iii) Breakage of building glass;
(iv) Weight of people or
personal property; or
(v) Weight of rain that collects
on a roof.
(3) This Additional Coverage
Collapse does not apply to:
(a) A building or any part of a
building that is in danger of
falling down or caving in;
(b) A part of a building that is
standing, even if it has
separated from another part of
the building; or
(c) A building that is standing or
any part of a building that is
standing, even if it shows
evidence of cracking, bulging,
sagging, bending, leaning,
settling, shrinkage or
expansion.
(4) With respect to the following
property:
(a) Awnings;
(b) Gutters and downspouts;
(c) Yard Fixtures;
(d) Outdoor swimming pools;
(e) Beach or diving platforms or
appurtenances;
(f) Retaining walls; and
(g) Walks, roadways and other
paved surfaces;
if an abrupt collapse is caused by a
cause of loss listed in paragraph
(2), subparagraphs (a), (b), (c) and
(d) of this Additional Coverage, we
will pay for loss or damage to that
property only if such loss or
damage is a direct result of the
abrupt collapse of a building
insured under this Coverage Form
and the property is Covered
Property under this Coverage Form.
(5) If personal property abruptly falls
down or caves in and such collapse
is not the result of abrupt collapse
of a building, we will pay for loss or
damage to Covered Property
caused by such collapse of
personal property only if:
(a) The abrupt collapse of personal
property was caused by a
cause of loss listed in
paragraph (2), subparagraphs
(a), (b), (c) and (d) of this
Additional Coverage;
(b) The personal property which
collapses is inside a building;
and
(c) The property which collapses is
not of a kind listed in paragraph
(4) above, regardless of
whether that kind of property is
considered to be personal
property or real property.

The coverage stated in paragraph
(5) does not apply to personal
property if marring and/or
scratching is the only damage to
that personal property caused by
the collapse.
(6) This Additional Coverage - Collapse
does not apply to personal property
that has not abruptly fallen down or
caved in, even if the personal
property shows evidence of
cracking, bulging, sagging, bending,
leaning, settling, shrinkage or
expansion.
(7) This Additional Coverage - Collapse
will not increase SECTION I -
PROPERTY, C. Limits of Insurance.
(8) The term Covered Cause of Loss
includes the Additional Coverage -
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Collapse as described and limited
in paragraphs (1), (2), (3), (4), (5),
(6) and (7) above.
e. Water Damage, Other Liquids, Powder
or Molten Material Damage
If loss or damage caused by or
resulting from covered water or other
liquid, powder or molten material
damage loss occurs, we will also pay
the cost to tear out and replace any
part of the building or structure to
repair damage to the system or
appliance from which the water or
other substance escapes.

We will not pay the cost to repair any
defect that caused the loss or damage;
but we will pay the cost to repair or
replace damaged parts of fire
extinguishing equipment if the damage:
(1) Results in discharge of any
substance from an automatic fire
protection system; or
(2) Is directly caused by freezing.
f. Business Income
When Business Income Coverage is
provided under this policy:
(1) Business Income
(a) We will pay for the actual loss
of Business Income you sustain
due to the necessary
"suspension" of your
"operations" during the "period
of restoration". The
"suspension" must be caused
by direct physical loss of or
damage to a described
premises shown in
the Declarations and for which
a Business Income Limit of
Insurance is shown in the
Declarations. The loss or
damage must be caused by or
result from a Covered Cause of
Loss.

With respect to loss of or
damage to personal property in
the open or personal property
in a vehicle, the described
premises include the area
within 1,000 feet of such
premises.

With respect to the
requirements set forth in the
preceding paragraph, if you
occupy only part of a building,
your premises mean:
(i) The portion of the building
which you rent, lease or
occupy;
(ii) The area within 1,000 feet of
the building or within 1,000
feet of the premises
described in the
Declarations, whichever
distance is greater (with
respect to loss of or damage
to personal property in the
open or personal property in
a vehicle); and
(iii) Any area within the building
or at the described
premises, if that area
services, or is used to gain
access to, the portion of the
building which you rent,
lease or occupy.
(b) We will only pay for loss of
Business Income that you
sustain during the "period of
restoration" and that occurs
within the designated,
consecutive number of months
found on the Declarations Page
beginning immediately after the
date of direct physical loss or
damage. For purposes of this
insurance, all recoverable loss
ceases when the "period of
restoration" ends.
(c) Business Income means the:
(i) Net Income (Net Profit or
Loss before income taxes)
that would have been
earned or incurred if no
physical loss or damage had
occurred, but not including
any Net Income that would
likely have been earned as
result of an increase in the
volume of business due to
favorable business
conditions caused by the
impact of the Covered
Cause of Loss on customers
or on other businesses;
(ii) Continuing normal operating
expenses incurred, including
"payroll expenses".

However, if your business is
not generating any income
because you are primarily in
research or development or
have not yet brought your
product to market, your
continuing normal operating
expenses, including "payroll
expenses", will not be offset
by the Net Loss; and
(iii) "Rental Value".
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For manufacturing risks, Net
Income includes the net sales
value of production.
(2) Extended Business Income
If no Business Income Coverage is
provided under this Coverage
Form, then there is no Extended
Business Income Coverage
afforded under this Coverage Form.
(a) Extended Business Income -
Other Than Rental Value
If the necessary "suspension"
of your "operations" produces a
Business Income loss payable
under this Coverage Form, we
will pay for the actual loss of
Business Income you incur
during the period that:
(i) Begins on the date property
(except "finished stock") is
actually repaired, rebuilt or
replaced (to the extent
necessary to resume
"operations") and
"operations" are resumed;
and
(ii) Ends on the earlier of:
1) The date you could
restore your
"operations", with
reasonable speed, to
the level which would
generate the Business
Income amount that
would have existed if no
direct physical loss or
damage had occurred;
or
2) The number of
consecutive days shown
in the Additional
Property Coverage
Schedule for Extended
Business Income after
the date determined in
(a) Extended Business
Income - Other Than
Rental Value, paragraph
(i) above.

However, Extended Business
Income does not apply to loss
of Business Income incurred as
a result of unfavorable business
conditions caused by the
impact of the Covered Cause of
Loss in the area where the
described premises are
located.

Loss of Business Income must
be caused by direct physical
Hanover
Insurance Group-
ODF9926346 13
6/1/2025 to 6/1/2026
loss or damage at the described
premises caused by or resulting
from any Covered Cause of
Loss.
(b) Extended Business Income -
Rental Value
If the necessary "suspension" of
your "operations" produces a
"rental value" loss payable
under this Coverage Form, we
will pay for the actual loss of
"rental value" you incur during
the period that:
(i) Begins the date property is
actually repaired, rebuilt or
replaced and tenantability is
restored; and
(ii) Ends the earlier of:
1) The date you could
restore tenant
occupancy, with
reasonable speed, to
the level which would
generate the "rental
value" that would have
existed if no direct
physical loss or damage
had occurred; or
2) The number of
consecutive days shown
in the Additional
Property Coverage
Schedule for Extended
Business Income after
the date determined in
(b) Extended Business
Income - Rental Value,
paragraph (i) above.

However, Extended Business
Income does not apply to loss of
"rental value" incurred as a
result of unfavorable business
conditions caused by the impact
of the Covered Cause of Loss in
the area where the described
premises are located.

Loss of "rental value" must be
caused by direct physical loss
or damage at the described
premises caused by or resulting
from any Covered Cause of
Loss.
(iii) We will reduce the amount
Businessof your: Income loss,
other than Extra Expense,
to the extent you can
resume your "operations",
in whole or in part, by using
damaged or undamaged
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property (including
merchandise or "stock") at
the described premises or
elsewhere.
(iv) If you do not resume
"operations”, or do not
resume "operations" as
quickly as possible, we will
pay based on the length of
time it would have taken to
resume "operations" as
quickly as possible.

This Additional Coverage is not subject
to SECTION I PROPERTY, C. Limits of
Insurance.
g. Extra Expense
When Business Income Coverage is
provided under this Coverage Form:
(1) We will pay the necessary Extra
Expense you incur during the
"period of restoration" that you
would not have incurred if there
had been no direct physical loss or
damage to property at the
described premises. The loss or
damage must be caused by or
result from a Covered Cause of
Loss. With respect to loss of or
damage to personal property in the
open or personal property in a
vehicle, the described premises
include the area within 1,000 feet of
such premises.

With respect to the requirements
set forth in the preceding
paragraph, if you occupy only part
of a building, your premises mean:
(a) The portion of the building
which you rent, lease or
occupy;
(b) The area within 1,000 feet of
the building or within 1,000 feet
of the premises described in
the Declarations, whichever
distance is greater (with
respect to loss of or damage to
personal property in the open
or personal property in a
vehicle); and
(c) Any area within the building or
at the described premises, if
that area services, or is used to
gain access to, the portion of
the building which you rent,
lease or occupy.
(2) Extra Expense means expense
incurred:
(a) To avoid or minimize the
"suspension" of business and
to continue "operations":
(i) At the described premises;
or
(ii) At replacement premises or
at temporary locations,
including relocation
expenses, and costs to
equip and operate the
replacement or temporary
locations.
(b) To minimize the "suspension" of
business if you cannot continue
"operations".
(c) To:
(i) Repair or replace any
property; or
(ii) Research, replace or
restore the lost information
on damaged "valuable
papers and records"
to the extent it reduces the
amount of loss that otherwise
would have been payable under
this Additional Coverage or
SECTION I - PROPERTY, A.

Coverage, 5. Additional
Coverage, f. Business Income.

With regard to paragraph (i)
above, we will pay only for
those expenses necessary to
expedite the repair or
replacement of the property.

Under this provision we will not
pay for any portion of the
ordinary and expected cost to
actually repair or replace
property.
(3) We will only pay for Extra Expense
that occurs within 12 consecutive
months beginning immediately after
the date of direct physical loss or
damage.
(4) We will reduce the amount of your
Extra Expense loss payment to the
extent you can return "operations"
to normal and discontinue such
Extra Expense.
(5) If you do not resume "operations",
or do not resume "operations" as
quickly as possible, we will pay
based on the length of time it
would have taken to resume
"operations" as quickly as possible.

This Additional Coverage is not subject
to SECTION I PROPERTY, C. Limits of
Insurance.
h. Pollutant Clean-Up and Removal
We will pay your expense to extract
"pollutants" from land or water at the
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Insurance Group..

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described premises if the discharge,
dispersal, seepage, migration, release
or escape of the "pollutants" is caused
by or results from a Covered Cause of
Loss that occurs during the policy
period. The expenses will be paid only
if they are reported to us in writing
within 180 days of the date on which
the Covered Cause of Loss occurs.

This Additional Coverage does not
apply to costs to test for, monitor or
assess the existence, concentration or
effects of "pollutants". But we will pay
for testing which is performed in
the course of extracting the "pollutants"
from the land or water.

The most we will pay for each location
under this Additional Coverage is
$25,000 for the sum of all such
expenses arising out of Covered
Causes of Loss occurring during each
separate 12 month period of this policy.
i. Civil Authority
When Business Income Coverage is
provided under this Coverage Form:
(1) When a Covered Cause of Loss
causes damage to property other
than property at the described
premises, we will pay for the actual
loss of Business Income you
sustain and necessary Extra
Expense caused by action of civil
authority that prohibits access to
the described premises due to
direct physical loss or damage to
property within one mile of the
described premises, provided that
both of the following apply:
(a) Access to the area immediately
surrounding the damaged
property is prohibited by civil
authority as a result of the
damage, and the described
premises are within that area
but are not more than one mile
from the damaged property;
(b) The action of civil authority is
taken in response to dangerous
physical conditions resulting
from the damage or
continuation of the Covered
Cause of Loss that caused the
damage, or the action is taken
to enable a civil authority to
have unimpeded access to the
damaged property.
(2) Civil Authority Coverage for
Business Income will begin 72
hours after the time of the
first action of civil authority that
prohibits access to the described
premises and will apply for a
period of up to four consecutive
weeks from the date on which such
coverage began.

Civil Authority Coverage for Extra
Expense will begin immediately
after the time of the first action of
civil authority that prohibits access
to the described premises and will
end:
(a) Four consecutive weeks after
the date of that action; or
(b) When your Civil Authority
Coverage for Business Income
ends;
whichever is later.
(3) The definitions of Business Income
and Extra Expense contained in
SECTION I PROPERTY, A.

Coverage, 5. Additional Coverages,
f. Business Income; and g. Extra
Expense also apply to this
Additional Coverage.
j. Money Orders and Counterfeit Money
(1) We will pay for loss resulting
directly from your having accepted
in good faith, in exchange for
merchandise, "money" or services:
(a) Money orders issued by any
post office, express company or
"financial institution" that are
not paid upon presentation; or
(b) "Counterfeit money" that is
acquired during the regular
course of business.
(2) Under this Additional Coverage, all
loss:
(a) Caused by one or more
persons; or
(b) Involving a single act or series
of related acts;
is considered one occurrence.
(3) The most we will pay for any loss
under this Additional Coverage is
$5,000.
k. Forgery or Alteration
(1) We will pay for loss resulting
directly from forgery or alteration of
any:
(a) Check, draft, promissory note,
bill of exchange or similar
written promises of payment in
"money" that you or your agent
has issued, or that was issued
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by someone who impersonates
you or your agent; and
(b) Credit, debit or charge slips or
documents, including
signatures or the entry of a
Personal Identification Number
(PIN) into a "payment
processing device" required
with the use of any credit,
debit, or charge card issued to
you or any "employee" for
business purposes.
(2) Under this Additional Coverage, all
loss:
(a) Caused by one or more
persons; or
(b) Involving a single act or series
of related acts;
is considered one occurrence.
(3) If you are sued for refusing to pay
the check, draft, promissory note,
bill of exchange or similar written
promises of payment in "money",
on the basis that it has been forged
or altered, and you have our
written consent to defend against
the suit, we will pay for any
reasonable legal expenses that you
incur in that defense.
(4) For purposes of this Additional
Coverage, check includes a
substitute check as defined by the
United States Congress in the
Check Clearing for the 21st Century
Act and will be treated the same as
the original it replaced.
(5) The most we will pay for any loss,
including legal expenses, under
this Additional Coverage is $25,000,
unless a higher Limit of Insurance
is shown in the Schedule of
Amended Limits of Insurance.

I. Ordinance or Law
(1) This Additional Coverage applies
only to buildings insured on a
replacement cost basis.
(2) Application of Coverages:

The coverages provided under this
Additional Coverage applies only if
paragraphs (a) and (b) below, are
satisfied and are then subject to
the qualifications found in (c)
below.
(a) The ordinance or law:
(i) Regulates the demolition,
construction or repair of
buildings, or establishes
zoning or land use
requirements at the
described premise;
(ii) Is in force at the time of
loss; and
(iii) Was not in force at the time
the involved construction
was completed.

But coverage under this
Additional Coverage applies
only in response to the
minimum requirements of the
ordinance or law. Losses and
costs incurred in complying
with recommended actions or
standards that exceed actual
requirements are not covered
under this Additional Coverage,
(b) The building sustains direct
physical damage:
(i) That is covered under this
Coverage Form and as a
result of such damage, you
are required to comply with
the ordinance or law; or
(ii) That is covered under this
Coverage Form and direct
physical damage that is not
covered under this
Coverage Form and as a
result of the building
damage in its entirety, you
are required to comply with
the ordinance or law.
(iii) But if the damage is not
covered under this
Coverage Form and such
damage is the subject of
the ordinance or law, then
there is no coverage under
this Additional Coverage
even if building has also
sustained covered direct
physical damage.
(c) In the situation described in
(2) Application of Coverages,
paragraph (b), subparagraph
(ii) above, we will not pay the
full amount of loss otherwise
payable under the terms of
coverages for Coverage for
Loss to the Undamaged
Portion of the Building,
Demolition Cost Coverage or
Increased Cost of
Construction Coverage.

Instead, we will pay a
proportion of such loss,
meaning the proportion that
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Insurance Group..

ODF9926346 13
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the covered direct physical
damage bears to the total
direct physical damage.

Paragraph (7) of this coverage
provides an example of this
procedure.

However, if the covered direct
physical damage alone would have
resulted in a requirement to
comply with the ordinance or law,
then we will pay the full amount of
the loss otherwise payable under
the terms of Coverages for Loss to
the Undamaged Portion of the
Building, Demolition Cost Coverage
or Increased Cost of Construction
Coverage under this Additional
Coverage.
(3) We will not pay under this
Additional Coverage for:
(a) Enforcement of or compliance
with any ordinance or law
which requires the demolition,
repair, replacement,
reconstruction, remodeling or
remediation of property due to
contamination by "pollutants"
or due to the presence, growth,
proliferation, spread or any
activity of "fungi", wet rot or dry
rot; or
(b) The costs associated with the
enforcement of or compliance
with any ordinance or law
which requires any insured or
others to test for, monitor,
clean up, remove, contain,
treat, detoxify or neutralize, or
in any way respond to, or
assess the effects of
"pollutants”, "fungi", wet rot or
dry rot.
(4) Coverage
(a) Coverage for Loss to the
Undamaged Portion of the
Building
With respect to the building that
has sustained covered direct
physical damage, we will pay
under this Additional Coverage
for the loss in value of the
undamaged portion of the
building as a consequence of a
requirement to comply with an
ordinance or law that requires
demolition of undamaged parts
of the same building. Coverage
for Loss to the Undamaged
Portion of the Building is
included within the Limit of
Insurance shown in the
Declarations as applicable to
the covered building. Coverage
for Loss to the Undamaged
Portion of the Building does not
increase the Limit of Insurance.
(b) Demolition Cost Coverage
With respect to the building that
has sustained covered direct
physical damage, we will pay
the cost to demolish and clear
the site of the undamaged parts
of the same building, as a
consequence of a requirement
to comply with an ordinance or
law that requires demolition of
such undamaged property.

SECTION I - PROPERTY, E.

Property Loss Conditions, 5.

Loss Payment, paragraph d.
does not apply to Demolition
Cost Coverage.
(c) Increased Cost of Construction
With respect to the building that
has sustained covered direct
physical damage, we will pay
the increased cost to:
(i) Repair or reconstruct
damaged portions of that
building; and/or
(ii) Reconstruct or remodel
undamaged portions of that
building, whether or not
demolition is required;
when the increased cost is a
consequence of a requirement
to comply with the minimum
standards of the ordinance or
law.

However:
(i) This coverage applies only
if the restored or remodeled
property is intended for
similar occupancy as the
current property, unless
such occupancy is not
permitted by zoning or land
use ordinance or law.
(ii) We will not pay for the
increased cost of
construction if the building
is not repaired,
reconstructed or
remodeled.

SECTION I - PROPERTY, E.

Property Loss Conditions, 5.

Loss Payment, paragraph d.
does not apply to the Increased
Cost of Construction Coverage.
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(5) Loss Payment
(a) Loss Payment provisions (b),
(c), (d) and (e) below are
subject to the apportionment
procedure set forth in above
Application of Coverages,
paragraph (2)(c).
(b) When there is a loss in value of
an undamaged portion of the
building to which Coverage for
Loss to the Undamaged Portion
of the Building applies, the loss
payment for that building,
including damaged and
undamaged portions, will be
determined as follows:
(i) If the property is repaired or
replaced on the same or
another premise, we will not
pay more than the lesser of:
1) The amount you actually
spend to repair, rebuild
or reconstruct the
building, but not for
more than the amount it
would cost to restore
the building on the same
premises and to the
same height, floor area,
style and comparable
quality of the original
property insured; or
2) The Limit of Insurance
shown in the
Declarations as
applicable to the
covered building.
(ii) If the property is not
repaired or replaced. We
will not pay more than the
lesser of:
1) The actual cash value of
the building at the time
of loss; or
2) The Limit of Insurance
shown in the
Declarations as
applicable to the
covered building.
(c) The most we will pay for the
total of all covered losses for
Demolition Cost Coverage and
Increased Cost of Construction
is the Limit of Insurance shown
in paragraph (d) below. Subject
to this combined Limit of
Insurance, the following loss
payment provisions apply:
(i) For Demolition Cost
Coverage, we will not pay
for more than the amount
you actually spend to
demolish and clear the site
of the described premises.
(ii) Loss payment under
Increased Cost of
Construction Coverage will
be determined as follows:
1) We will not pay for the
increased cost of
construction until the
property is actually
repaired or replaced at
the same or another
premises; and
2) Unless the repairs or
replacement is made
as soon as reasonably
possible after the loss
or damage, not to
exceed two years. We
may extend this period
in writing during the
two years.
(iii) If the building is repaired
or replaced at the same
premises, or if you elect to
rebuild at another
premises, the most we will
pay for the Increased Cost
of Construction Coverage
is the lesser of:
1) The increased cost of
construction at the
same premises; or
2) The Limit of Insurance
described in paragraph
(d) below.
(iv) If the ordinance or law
requires relocation to
another premise, the most
we will pay for the
increased cost of
construction is the lesser
of:
1) The increased cost of
construction at the new
premises; or
2) The Limit of Insurance
described in paragraph
(d) below.
(d) The most we will pay for the
total of all covered losses for
Demolition Cost and Increased
Cost of Construction for each
building described in the
Declarations is $5,000 or the
amount shown in the
Additional Property Schedule.
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Hanover
Insurance Group..

ODF9926346 13
6/1/2025 to 6/1/2026
If a damaged building(s) is
covered under a Blanket Limit
of Insurance and the Blanket
Limit of Insurance applies to
more than one building or item
of property, then the most we
will under this Additional
Coverage, for each building, is
$5,000, or the amount shown in
the Additional Property
Coverage Schedule.
(6) Linder this coverage, we will not
pay for loss due to any ordinance
or law that:
(a) You were required to comply
with before the loss, even if the
building was undamaged; and
(b) You failed to comply with.
(7) Example of Proportionate Loss
Payment for Ordinance or Law
Coverage losses (procedures as
set forth in paragraph (2)(c) of this
Additional Coverage).

Assume:
• Wind is a Covered Cause of
Loss; "Flood" is an excluded
Cause of Loss
• The building has value of
$200,000
• The total direct physical
damage to the building:
$100,000;
• The ordinance or law in this
jurisdiction is enforced when
building damage equals or
exceeds 50% of the building's
value;
• Portion of direct physical
damage that is covered
(caused by wind): $30,000;
• Portion of direct physical
damage that is not covered
(caused by "flood"): $70,000;
and
• Loss under Increased Cost of
Construction: $60,000
Step 1: Determine the proportion
that the covered direct physical
damage bears to the total direct
physical damage.
$30,000 divided by $100,000 = .30
Step 2: Apply that portion to the
Ordinance or Law loss.
$60,000 x.30= $18,000
In this example, the most we will
pay under this Additional Coverage
for the Increased Cost of
Construction loss is $18,000, subject
to the applicable Limit of Insurance
and any other applicable provisions.

Note: The same procedure applies
to losses under Loss to the
Undamaged Portion of the Building
and Demolition Cost of this
Additional Coverage.
m. Business Income from Dependent
Properties
When Business Income Coverage is
provided under this Coverage Form:
(1) We will pay for the actual loss of
Business Income you sustain due to
direct physical loss or damage at
the premises of a "dependent
property" caused by or resulting
from any Covered Cause of Loss.

However, this Additional Coverage
does not apply when the only loss at
the premises of a "dependent
property" is loss or damage to
"electronic data", including
destruction or corruption of
"electronic data”. If the "dependent
property" sustains loss or damage
to "electronic data" and other
property, coverage under this
Additional Coverage will not
continue once the other property is
repaired, rebuilt or replaced.
(2) The most we will pay under this
Additional Coverage is $5,000 per
occurrence, regardless of the
number of "dependent properties"
affected.
(3) We will reduce the amount of your
Business Income loss, other than
Extra Expense, to the extent you can
resume "operations", in whole or in
part, by using any other available:
(a) Source of materials; or
(b) Outlet for your products.
(4) If you do not resume "operations",
or do not resume "operations" as
quickly as possible, we will pay
based on the length of time it would
have taken to resume "operations"
as quickly as possible.
(5) The coverage period for Business
Income under this Additional
Coverage:
(a) Begins 72 hours after the time of
direct physical loss or damage
caused by or resulting from any
Covered Cause of Loss at the
premises of the "dependent
property"; and
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(b) Ends on the date when the
property at the premises of the
"dependent property" should be
repaired, rebuilt or replaced (to
the extent necessary to resume
"operations") with reasonable
speed and similar quality or 12
months immediately following
the date of direct physical loss
or damage, whichever is
shorter.
(6) The Business Income coverage
period, as stated in paragraph (4)
above, does not include any
increased period required due to
the enforcement of or compliance
with any ordinance or law that:
(a) Regulates the construction, use
or repair, or requires the
tearing down of any property; or
(b) Requires any insured or others
to test for, monitor, clean up,
remove, contain, treat, detoxify
or neutralize, or in any way
respond to, or assess the
effects of "pollutants".

The expiration date of this
Coverage Form will not reduce the
Business Income coverage period.
(7) The definition of Business Income
contained in the Business Income
Additional Coverage also applies to
this Business Income from
Dependent Properties Additional
Coverage.
n. Glass Expenses
When glass is damaged from a
Covered Cause of Loss we will pay for
your expenses incurred to:
(1) Put up temporary plates or board
up openings if repair or
replacement of damaged glass is
delayed;
(2) Replace lettering, artwork, sensors
or other items permanently affixed
to, or a part of, the damaged glass;
and
(3) Remove or replace obstructions
when repairing or replacing glass
that is part of a building. This does
not include removing or replacing
window displays.
o. Fire Protection Equipment Recharge
(1) We will pay:
(a) The cost of recharging or
replacing, whichever is less,
your fire extinguishers and fire
extinguishing systems
(including hydrostatic testing if
needed) if they are discharged
on or within 1,000 feet of the
described premises; and
(b) For loss or damage to Covered
Property if such loss or
damage is the result of an
accidental discharge of
chemicals from a fire
extinguisher or a fire
extinguishing system.
(2) No coverage will apply if the fire
extinguishing system is discharged
during installation or testing.
(3) The most we will pay under this
Additional Coverage is $25,000 in
any one occurrence. The
deductible does not apply to these
expenses.
p. Employee Theft including ERISA
Compliance
(1) We will pay for loss or damage to
"money", "securities" and "other
property" resulting directly from
"theft" committed by an
"employee", clergy, or any
non-compensated person whether
identified or not, acting alone or in
collusion with other persons.

For the purposes of this Additional
Coverage, "theft" shall also
include "forgery".
(2) This Additional Coverage
terminates as to any "employee"
as soon as:
(a) You; or
(b) Any of your partners,
"members", "managers",
officers, directors or trustees
not in collusion with the
"employee";
"Discovered" the "theft" or any
other dishonest act committed by
the "employee" whether before or
after becoming employed by you.
(3) Under this Additional Coverage, all
loss:
(a) Caused by one or more
persons; or
(b) Involving a single act or series
of related acts;
is considered one occurrence.
(4) We will pay only for loss you
sustain through acts committed or
events occurring anytime which is
"discovered" by you:
(a) During the policy period; or
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(b) No later than 1 year from the
date of termination or
cancellation of this insurance.

However this extended period
to "discover" loss terminates
immediately upon the effective
date of any other insurance
obtained by you, whether from
us or another insurer, replacing
in whole or in part the
coverage afforded under this
Additional Coverage, whether
or not such other insurance
provides coverage for loss
sustained prior to its effective
date.
(5) You may extend this coverage to
apply to loss caused by any
"employee" while temporarily
outside the Coverage Territory for
a period of not more than 90 days.
(6) The most we will pay for all loss
resulting directly from an
occurrence is $10,000 or the Limit
of Insurance shown in the
Additional Property Coverage
Schedule. Regardless of the
number of years this policy
remains in force or the number of
premiums paid, no Limit of
Insurance cumulates from year to
year.
(7) Special Employee Theft Exclusions
We will not pay for:
(a) Loss resulting from "theft" or
any other dishonest act
committed by:
(i) You; or
(ii) Any of your partners or
"members";
Whether acting alone or in
collusion with other persons.
(b) Loss caused by an "employee"
if the "employee" has also
committed "theft" or any other
dishonest act prior to the
effective date of this policy and
you or any of your partners,
"managers", officers, directors
or trustees, not in collusion
with the "employee", learned of
that "theft" or dishonest act
prior to the policy period
shown in the Declarations.
(c) Loss resulting from "theft" or
any other dishonest act
committed by any of your
"employees", "managers",
directors, trustees or
authorized representatives:

Hanover
Insurance Group-
ODF9926346 13
6/1/2025 to 6/1/2026
(i) collusionWhether actingwithalone otheror in
persons; or
(ii) While performing services
for you or others;
Except when covered under
this Additional Coverage.
(d) Loss that is an indirect result
of an occurrence covered by
this Additional Coverage,
including, but not limited to,
loss resulting from:
(i) Your inability to realize
income that you would
have realized had there
been no loss of or damage
to "money", "securities" or
"other property";
(ii) Payment of damages of
any type for which you are
legally liable;
(iii) Payment of costs, fees or
other expenses you incur
in establishing either the
existence or the amount of
loss under this Additional
Coverage.
(e) Fees, costs and expenses
incurred by you which are
related to any legal action.
(f) Loss or that part of any loss,
the proof of which as to its
existence or amount is
dependent upon:
(i) An inventory computation;
or
(ii) A profit and loss
computation.

However, where you establish
wholly apart from such
computations that you have
sustained a loss, then you may
offer your inventory records
and actual physical count of
inventory in support of the
amount of loss claimed.
(g) Loss resulting from trading,
whether in your name or in a
genuine or fictitious account.
(h) Loss resulting from fraudulent
or dishonest signing, issuing,
canceling or failing to cancel, a
warehouse receipt or any
papers connected with it.
(i) Loss resulting from:
(i) The unauthorized
disclosure of your
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confidential information
including, but not limited to,
patents, trade secrets,
processing methods or
customer lists; or
(ii) The unauthorized use or
disclosure of confidential
information of another
person or entity which is
held by you including, but
not limited to, financial
information, personal
information, credit card
information or similar non
public information.
(8) Welfare and Pension Plan ERISA
Compliance
(a) The "employee benefit plan"
(hereafter referred to as Plan) is
included as an insured under
this Additional Coverage.
(b) If any Plan is insured jointly with
any other entity under this
Additional Coverage, you or the
Plan Administrator must select
a Limit of Insurance for this
Additional Coverage that is
sufficient to provide a Limit of
Insurance for each Plan that is
at least equal to that required if
each Plan were separately
insured.
(c) With respect to loss sustained
or "discovered" by any such
Plan, paragraph (1) above, of
this Additional Coverage is
replaced by the following:
(1) We will pay for loss of or
damage to "funds" and
"other property" resulting
directly from fraudulent or
dishonest acts committed by
an "employee", whether
identified or not, acting
alone or in collusion with
other persons.
(d) If the first Named Insured is an
entity other than a Plan, any
payment we make for loss
sustained by any Plan will be
made to the Plan sustaining the
loss.
(e) If two or more Plans are insured
under this Additional Coverage,
any payment we make for loss:
(i) Sustained by two or more
Plans; or
(ii) Of commingled "funds" or
"other property" of two or
more Plans;
Resulting from an occurrence,
will be made to each Plan
sustaining loss in the
proportion that the Limit of
Insurance required for each
Plan bears to the total Limit of
Insurance of all Plans
sustaining loss.
(f) The deductible does not apply
to this Additional Coverage.
q. Rewards - Arson, Theft and Vandalism
(1) We will reimburse you for payment
of any reward offered on your
behalf and for information that
leads to the arrest and conviction
of the person or persons
responsible for:
(a) Arson;
(b) "Theft" or
(c) Vandalism
to Covered Property.
(2) The arrest or conviction must
involve a covered loss caused by
arson, "theft" or vandalism.
(3) The most we will pay under this
Additional Coverage is $10,000
unless a higher Limit of Insurance
is shown in the Additional Property
Coverage Schedule. The amount
we pay is not increased by the
number of persons involved in
providing the information.
(4) The amount payable under this
Additional Coverage is additional
insurance.
(5) The deductible does not apply to
this Additional Coverage.
r. Computer Equipment
(1) We will pay for direct physical loss
of or damage to the following
Covered Property which is your
property or property in your care,
custody or control while at or away
from the described premises when
loss or damage is caused by or
resulting from a Covered Cause of
Loss:
(a) "Computer equipment"; and
(b) Programming documentation
and instruction manuals.
(2) We will pay for the actual loss of
Business Income you sustain as
described in the Business Income
Additional Coverage and we will
pay for any necessary Extra
Expense you incur during the
"period of restoration"
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Insurance Group..

ODF9926346 13
6/1/2025 to 6/1/2026
as described in the Extra Expense
Additional Coverage.
(3) In the event of a loss of or damage
to "Computer equipment" by a
Covered Cause of Loss, we will pay
your costs to modify or replace
undamaged "hardware" or "software"
when it:
(a) Was dependent on the damaged
"hardware" or "software" prior to
the covered loss; and
(b) Is not compatible with the
"hardware" or "software" that is
replacing the property that was
involved in the covered loss.

We will only pay for your costs to
modify or replace undamaged
"hardware" or "software" at a
premises described in the
Declarations.

The most we will pay for your costs
covered in any one occurrence is
$10,000.
(4) We will not pay for any loss of or
damage to the following property:
(a) Property you rent, loan or lease
to others while it is away from
the described premises;
(b) Property you hold for sale,
distribute or manufacture except
as provided in SECTION I -
PROPERTY, A. Coverage, 1.

Covered Property, paragraph b.;
or
(c) "Software" that cannot be
duplicated or replaced with
similar property of equal quality
and/or substantially similar
functionality.
(5) If we provide Building coverage only,
we will only pay for loss to
"computer equipment" that service
building operations at the described
premises and are located at the
described premises.
(6) The most we will pay for any loss or
damage to property described in
paragraphs (1) and (2) above, is
$35,000 unless a higher Limit of
Insurance is shown in the Additional
Property Coverage Schedule for
Computer Equipment. The most we
will pay for Extra Expense is $5,000
unless a higher Limit of Insurance is
shown in the Additional Property
Coverage Schedule for Extra
Expense.
(7) The following in SECTION I -
PROPERTY, B. Exclusions, paragraph

1. do not apply to this Additional
Coverage:
(a) b. Earth Movement; and
(b) g. Water.
(8) Special Computer Equipment
Exclusions
We will not pay for loss or damage to
portable electronic devices when
caused by, resulting from, or arising
out of "theft" or unexplained loss
when the property is checked
baggage with a carrier for transit.

Portable electronic devices includes
laptops, tablets, e-readers,
smartphones or other lightweight,
hand-held or wearable devices
capable of storing, retrieving and
processing data.
s. Money and Securities
(1) We will pay for loss of "money" and
"securities":
(a) Inside a building at the described
premises or "financial institution"
resulting directly from "theft"
committed by a person present
inside a building at the described
premises or "financial institution";
(b) Inside a building at the described
premises or "financial institution"
resulting directly from
disappearance or destruction; or
(c) Outside of a building at or away
from the described premises in
the care and custody of a
"messenger" or an armored
motor vehicle company resulting
directly from "theft",
disappearance or destruction.
(2) For the purposes of this Additional
Coverage, all loss:
(a) Caused by one or more persons;
or
(b) Involving a single act or series of
related acts;
is considered one occurrence.
(3) You must keep records of all "money"
and "securities" so we can verify the
amount of any one loss or damage.
(4) The amount payable under this
Additional Coverage is additional
insurance.
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(5) The most we will pay for loss in any one
occurrence is:
(a) $10,000 or the amount shown in the
Additional Property Coverage Schedule
while:
(i) Inside a building at the described
premises; or
(ii) Within a "financial institution" in the
Coverage Territory; and
(b) $5,000 or the amount shown in the
Additional Property Coverage Schedule
while outside of a building at the
described premises or when away from
the described premises in the Coverage
Territory.
(6) Special Money and Securities Exclusions
We will not pay for loss:
(a) Resulting from accounting or arithmetic
errors or omissions;
(b) Resulting from giving or surrendering of
property in any exchange or purchase;
(c) Of property contained in any
money-operated device unless the
amount of "money" deposited in it is
recorded by a continuous recording
instrument in the device; or
(d) Loss or damage to "money" and
"securities" following and directly
related to the use of any computer to
fraudulently cause a transfer of that
property.
t. Tenant Signs (Tenants only)
(1) This Additional Coverage is available only
when the Named Insured is a tenant and a
Limit of Insurance is shown in the
Declarations Page for Business Personal
Property.

We will pay for direct physical loss of or
damage to all signs:
(a) Owned by you; or
(b) Owned by others but in your care,
custody or control;
when loss or damage is caused by or
resulting from a Covered Cause of Loss.
(2) SECTION I PROPERTY, A. Coverage, 3.

Covered Causes of Loss does not apply to
this Additional Coverage and SECTION I -
PROPERTY, B. Exclusions, paragraph

1. does not apply to this Additional
Coverage except for the following:
(a) c. Government Action;
(b) d. Nuclear Hazard; and
(c) f. War and Military Action.
(3) We will not pay for loss or damage
caused by or resulting from:
(a) Wear and tear;
(b) Hidden or latent defect;
(c) Rust;
(d) Corrosion; or
(e) Mechanical Breakdown, except as
provided for in SECTION I -
PROPERTY, A. Coverage, 5.

Additional Coverages, u.

Equipment Breakdown.
(4) The most we will pay for loss or
damage in any one occurrence is
$5,000 regardless of the number of
locations or buildings involved.
u. Equipment Breakdown
(1) We will pay for direct physical
damage to Covered Property that is
the direct result of an "accident" or
"electronic circuitry impairment". We
will consider "electronic circuitry
impairment" to be physical damage
to "covered equipment".
(2) The following coverages also apply to
the direct result of an "accident" or
"electronic circuitry impairment".

However, with respect to coverage
A.5.u.(2)(h) Utility Services
Equipment Breakdown (Accident) and
A.5.m. Business Income from
Dependent Properties provided in this
coverage form, coverage will apply
only to the direct result of an
"accident" and will not apply to the
direct result of an "electronic circuitry
impairment". These coverages do not
provide additional amounts of
insurance.
(a) Data Restoration
We will pay for your reasonable
and necessary cost to research,
replace and restore lost "data".

The most we will pay for loss or
expense under this coverage,
including actual loss of
Business Income you sustain and
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necessary Extra Expense you
incur is $50,000.
(b) Expediting Expenses
With respect to your damaged
Covered Property, we will pay, up
to $50,000, the reasonable extra
cost to:
(i) Make temporary repairs; and
(ii) Expedite permanent repairs or
permanent replacement.
(c) Fungi, Wet Rot, or Dry Rot
(i) We will pay the additional cost
to repair or replace Covered
Property because of
contamination by "fungi", wet
rot or dry rot. This includes
the additional costs to clean
up or dispose of such
property. This does not
include spoilage of personal
property that is "perishable
goods" to the extent that such
spoilage is covered under
Spoilage coverage.
(ii) As used in this coverage,
additional costs mean those
beyond what would have been
payable under this Equipment
Breakdown Coverage had no
"fungi", wet rot or dry rot
been involved.
(iii) We will also pay the cost of
testing performed after repair
or replacement of the
damaged Covered Property is
completed only to the extent
that there is reason to believe
there is the presence of
"fungi", wet rot or dry rot.
(iv) This coverage does not apply
to lawns, trees, shrubs or
plants which are part of a
vegetated roof.
(v) The most we will pay in any
"one equipment breakdown"
for loss, damage or expense
under this coverage, including
actual loss of Business
Income you sustain and
necessary Extra Expense you
incur, if shown as covered, is
$15,000 even if the "fungi", wet
rot or dry rot continues to be
present or active or recurs in
a later policy period.

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Insurance Group..

ODF9926346 13
6/1/2025 to 6/1/2026
(d) Hazardous Substances
We will pay for the additional cost
to repair or replace Covered
Property because of a
contamination by a "hazardous
substance".

This includes the additional costs to
clean up or dispose of such
property. This does not include
contamination of "perishable goods"
by refrigerant, including but not
limited to ammonia, which is
addressed in (g) Spoilage below.

Additional costs mean those beyond
what would have been payable had
no "hazardous substance" been
involved. The most we will pay for
loss, damage or expense under this
coverage, including actual loss of
Business Income you sustain, and
necessary Extra Expense you incur
is $50,000.
(e) Personal Property Off Premises
Equipment Breakdown
(i) Any direct physical damage for
personal property off premises
provided under Coverage
Extension b. Personal Property
Off Premises, also applies to the
direct result of an "accident" or
"electronic circuitry
impairment".
(ii) We will also pay for your
reasonable and necessary cost
to research, replace and restore
lost "electronic data" contained
within "covered equipment"
when due to covered loss or
damage as described in (i)
above. This amount may not
exceed the limit applicable to
Data Restoration coverage.
(iii) The most we will pay for loss,
damage or expense under this
coverage, including actual loss
of Business Income you sustain
and necessary Extra Expense
you incur and Data Restoration
as described in (ii) above is
$50,000.
(f) Public Relations
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(i) This coverage only applies if
you have sustained an actual
loss of Business Income.
(ii) We will pay for your reasonable
costs for professional services
to create and disseminate
communications, when the
need for such communications
arises directly from the
interruption of your business.

This communication must be
directed to one or more of the
following:
1) The media;
2) The public; or
3) Your customers, clients or
members.
(iii) Such costs must be incurred
during the "period of
restoration" or up to 30 days
after the "period of restoration"
has ended.
(iv) The most we will pay for loss
or expense under this coverage
is $5,000.
(g) Spoilage
(i) We will pay for:
1) Physical damage to your
"perishable goods" due to
spoilage.
2) Physical damage to your
"perishable goods" due to
contamination from the
release of refrigerant,
including but not limited to
ammonia.
3) Any necessary expenses
you incur to reduce the
amount of loss under this
coverage. We will pay for
such expenses to the extent
that they do not exceed the
amount of loss that
otherwise would have been
payable under this
coverage.
(ii) If you are unable to replace
"perishable goods" before its
anticipated sale, the amount
of our payment will be
determined on the basis of the
sales price of the "perishable
goods" at the time of the
"accident" or "electronic
circuitry impairment", less
discounts and expenses you
otherwise would have had.

Otherwise our payment will
be determined in accordance
with the Loss Payment
Condition.
(iii) The most we will pay for loss
or damage under this
coverage is $50,000.
(h) Utility Services - Equipment
Breakdown (Accident)
(i) Any insurance provided for
Business Income, Extra
Expense, Data Restoration or
Spoilage is extended to
apply to your loss, damage
or expense caused by a
failure or disruption of
service. The failure or
disruption of service must be
caused by an "accident" to
equipment, including
overhead transmission lines,
that is owned by a utility,
landlord, a landlord's utility
or other supplier who
provides you with any of the
following services: electrical
power, waste disposal, air
conditioning, refrigeration,
heating, natural gas,
compressed air, water,
steam, Internet access,
telecommunications
services, "cloud computing
services", wide area
networks or data
transmission. The equipment
must meet the definition of
"covered equipment" except
that it is not Covered
Property.
(ii) "Cloud computing services"
must be provided by a
professional provider with
whom you have a contract.
(iii) With respect to the Data
Restoration portion of this
Service Interruption
coverage, coverage will also
apply to "data" stored in the
equipment of a provider of
"cloud computing services".
(iv) Any insurance provided
for Business Income or Data
Restoration will not apply
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Insurance Group..

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6/1/2025 to 6/1/2026
under this Service Interruption
coverage unless the failure or
disruption of service exceeds
24 hours immediately
following the "accident". If the
interruption exceeds 24 hours,
coverage will begin at the
time of the disruption, and the
applicable deductible will
apply.
(v) The most we will pay in any
"one equipment breakdown"
for loss, damage or expense
under this coverage is the
applicable limit for Business
Income, Extra Expense, Data
Restoration or Spoilage.
(3) Conditions
(a) Suspension
When any "covered equipment" is
found to be in, or exposed to, a
dangerous condition, any of our
representatives may immediately
suspend the insurance against
loss from an "accident" or
"electronic circuitry impairment"
to that "covered equipment". We
can do this by mailing or
delivering a written notice of
suspension to:
(i) Your address as shown in the
Declarations; or
(ii) The address where the
"covered equipment" is
located.

Once suspended in this way,
your insurance can be
reinstated only by an
endorsement for that "covered
equipment". If we suspend
your insurance, you will get a
pro rata refund of premium for
that "covered equipment". But
the suspension will be
effective even if we have not
yet made or offered a refund.
(b) Jurisdictional Inspections
If any property that is "covered
equipment" under this Additional
Coverage requires inspection to
comply with state or municipal
boiler and pressure vessel
regulations, we agree to perform
such inspection on your behalf.

We do not warrant that conditions
are safe or healthful.
(c) Environmental, Safety and
Efficiency Improvements
If "covered equipment" requires
replacement due to an "accident"
or "electronic circuitry
impairment", we will pay your
additional cost to replace with
equipment that is better for the
environment, safer for people or
more energy or water efficient
than the equipment being
replaced. However, we will not
pay to increase the size or
capacity of the equipment and we
will not pay more than 150% of
what the cost would have been to
replace with like kind and quality.

This provision does not apply to
the replacement of component
parts or to any property to which
Actual Cash Value applies and
does not increase any of the
applicable limits.
(4) Special Equipment Breakdown
Exclusions
(a) We will not pay for loss, damage
or expense caused by or resulting
from a hydrostatic, pneumatic or
gas pressure test of any boiler or
pressure vessel, or an electrical
insulation breakdown test of any
type of electrical equipment.
(b) With respect to Business Income,
Extra Expense and Utility Services
coverages, we will also not pay
for:
(i) Loss caused by your failure to
use due diligence and
dispatch, and all reasonable
means to resume business; or
(ii) Any increase in loss resulting
from an agreement between
you and your customer or
supplier.
(c) Except as provided under u.2.(c)
''Fungi", Wet Rot or Dry Rot
coverage we will not pay for loss,
damage or expense caused
directly or indirectly by the
following, whether or not caused
by or resulting from an "accident"
or "electronic circuitry
impairment": Any "fungi," wet rot
or dry rot, including any presence,
growth, proliferation, spread or
any activity of "fungi," wet rot or
dry rot. This includes, but is not
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limited to, costs arising from clean
up, removal, or abatement of such
"fungi," wet rot or dry rot.

However, this exclusion does not
apply to spoilage of personal
property that is "perishable
goods," to the extent that such
spoilage is covered under
Spoilage coverage.
(d) This Additional Coverage
Equipment Breakdown does not
apply to an "accident" or
"electronic circuitry impairment"
caused by or resulting from:
(i) Fire (including fire resulting
from an "accident" or
"electronic circuitry
impairment"), or water or
other means used to
extinguish a fire;
(ii) Explosion of gas or
unconsumed fuel within the
furnace of any boiler or fired
vessel or within the passages
from that furnace to the
atmosphere;
(iii) Any other explosion, except
as specifically covered under
this Additional Coverage;
(iv) Vandalism;
(v) Lightning; smoke; aircraft or
vehicles; riot or civil
commotion; sprinkler leakage;
elevator collision;
(vi) Windstorm or hail; However,
this exclusion does not apply
when:
1) "Covered equipment"
located within a building
or structure suffers an
"accident" or "electronic
circuitry impairment" that
results from wind-blown
rain, snow, sand or dust;
and
2) The building or structure
did not first sustain wind
or hail damage to its roof
or walls through which the
rain, snow, sand or dust
entered.
(vii)Breakage of glass; falling
objects; weight of snow, ice or
sleet; freezing (caused by cold
weather); collapse or molten
material;
(viii)"Flood", surface water,
waves, tides, tidal waves,
overflow of any body of
water, or their spray, all
whether driven by wind or
not; mudslide or mudflow; or
water that backs up or
overflows from a sewer,
drain or sump. However, if
electrical "covered
equipment" requires drying
out because of the above,
we will pay for the direct
expenses of such drying out
subject to the applicable
Limit of Insurance and
deductible for Building or
Business Personal Property,
whichever applies.
(ix) Any earth movement,
including but not limited to
earthquake, subsidence,
sinkhole collapse, landslide,
earth sinking, tsunami or
volcanic action.
(e) Special Equipment Breakdown
Exclusions (5)(d)(v), (5)(d)(vi) and
(5)(d)(vii) shall not apply if:
(i) The excluded cause of loss
occurs away from any
covered location and causes
an electrical surge or other
electrical disturbance;
(ii) Such surge or disturbance is
transmitted through utility
service transmission lines to
the covered location and
results in an "accident" or
"electronic circuitry
impairment"; and
(iii) The loss, damage or
expense caused by such
surge or disturbance is not
covered elsewhere under
the policy.
(f) We will not pay under this
Additional Coverage for any
loss or damage to animals.

The most we will pay for loss,
damage or expense arising from
any "one equipment breakdown" is
the applicable Limit of Insurance
shown in the Declarations. This
Additional Coverage does not
provide an additional amount of
insurance.
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Hanover
Insurance Group..

ODF9926346 13
6/1/2025 to 6/1/2026
v. Commercial Tools and Small Equipment
(1) This Additional Coverage is available
only when a Limit of Insurance is
shown in the Declarations for
Business Personal Property.
(2) We will pay for direct physical loss of
or damage caused by or resulting
from a Covered Cause of Loss to
commercial tools and small
equipment, including their:
(a) Accessories, whether attached or
not attached; and
(b) Spare parts that are specifically
designed and intended for use in
the maintenance and operation of
property covered under this
Additional Coverage;
That is:
(c) Your property;
(d) The property of others in your
care, custody or control; or
(e) The property of your "employees".

Damage to the property of your
"employees" is limited to while on the
described premises.

Commercial Tools and Small
Equipment does not include
communication devices and
diagnostic equipment unless
otherwise covered in SECTION I -
PROPERTY, A. Coverage, 5. Additional
Coverages, r. Computer Equipment.
(3) This coverage only applies to any one
tool or piece of small equipment with
a replacement cost value of $2,500 or
less, unless listed on a schedule
included with this policy.
(4) The most we will pay for any loss
under this Additional Coverage in any
one occurrence is $5,000 unless a
higher Limit of Insurance is shown in
the Additional Property Coverage
Schedule, but not more than $2,500
for any one tool, tool box or piece of
small equipment.
(5) In addition to items listed within
SECTION I - PROPERTY, A. Coverage,

2. Property Not Covered, we will not
pay for any loss to the following
property:
(a) Watercraft or watercraft parts and
equipment;
(b) Commercial tools and small
equipment that are permanently
mounted to a vehicle, including
trailers;
(c) Tires or tire tubes, attached or
unattached, for use with
commercial tools and small
equipment, unless the loss or
damage is caused by "theft",
malicious mischief, or any of the
"specified causes of loss"; or
(d) Any property while underground,
airborne or waterborne.
(6) The following SECTION I
PROPERTY, B. Exclusions, in
paragraph 1. do not apply to this
Additional Coverage:
(a) b. Earth Movement;
(b) g. Water.
(7) Special Commercial Tools and Small
Equipment Exclusion
We will not pay for any loss caused
by or resulting from any repair,
adjusting, servicing, testing or
maintenance process unless fire or
explosion ensues, then only for the
loss caused by such ensuing fire or
explosion.
w. Installation
(1) This Additional Coverage is available
only when a Limit of Insurance is
shown in the Declarations for
Business Personal Property.
(2) We will pay for direct physical loss of
or damage to property sold under an
installation agreement where your
insurable interest continues until the
property is accepted by the
purchaser for whom the project is to
be performed. Coverage applies
under this Additional Coverage when
the loss or damage is caused by or
resulting from any Covered Cause of
Loss.
(3) The property under which this
insurance applies includes:
(a) Materials, supplies, equipment,
machinery, fixtures owned by
you or in your care, custody or
control, and which are to be
installed by you or at your
direction; and
(b) Temporary structures built or
assembled on-site, including
cribbing, scaffolding and
construction forms.
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This property is covered while:
(c) At any jobsite you do not own,
lease or operate;
(d) Awaiting and during installation,
or awaiting acceptance by the
purchaser;
(e) "In transit"; or
(f) At a temporary storage location.
(4) Coverage provided under this
Additional Coverage will end when
one of the following first occurs:
(a) This policy expires or is
cancelled;
(b) The property covered under this
Additional Coverage is accepted
by the purchaser;
(c) Your interest in the property
covered under this Additional
Coverage ceases;
(d) You abandon the project to be
performed by you for the
purchaser, with no intention to
complete it; or
(e) 90 days after the project to be
performed by you for the
purchaser is completed, unless
we specify a different date in
writing.
(5) In addition to SECTION I
PROPERTY, A. Coverage, 2.

Property Not Covered, the following
property is not covered with respect
to this Additional Coverage:
(a) An existing building or structure
to which an addition, alteration,
improvement or repair is being
made;
(b) Property stored at a permanent
premises that you own;
(c) A plan, blueprint, design or
specification;
(d) Trees, grass, sod, shrubbery or
plants; and
(e) Machinery, tools, equipment,
supplies or similar property that
does not become a permanent
part of the project. This includes
contractor's equipment and other
tools belonging to a contractor
or sub-contractor.
(6) Special Installation Exclusions
We will not pay for any loss caused
by or resulting from:
(a) The cost to make good or replace
faulty or defective materials or
workmanship;
(b) Testing. However, if testing results in
fire or explosion, we will pay for the
loss or damage caused by that fire or
explosion;
(c) A fault, defect, deficiency, error or
omission in a plan, blueprint, design
or specification;
(d) The weight of a load when it exceeds
the designed capacity of any property
covered under this Additional
Coverage to lift, move or support the
load from any position; or
(e) Collision, upset or overturn of any
property covered under this
Additional Coverage to the extent of
any loss of or damage to the tires or
inner tubes of such property. But we
will pay for the loss of or damage to
the tires or inner tubes if the same
accident causes other covered loss to
the same property covered under this
Additional Coverage.
(7) The following in SECTION I - PROPERTY,
B. Exclusions, paragraph 1. do not apply
to this Additional Coverage:
(a) b. Earth Movement; and
(b) g. Water.
(8) The most we will pay for loss of or
damage to property covered under this
Additional Coverage in any one
occurrence is $5,000, regardless if the
property is located at a jobsite, while "in
transit", or at a temporary storage
location.

This Additional Coverage does not
increase SECTION I - PROPERTY, C.

Limits of Insurance.
x. Fine Arts
(1) We will pay for direct physical loss to
"fine arts" which are your property or
the property of others in your care,
custody or control while on the
described premises. We also cover
your "fine arts" while temporarily on
display or exhibit away from the
described premises or while "in
transit" between the described
premises and a location where the
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Hanover
Insurance Group.

ODF9926346 13
6/1/2025 to 6/1/2026
"fine arts" will be temporarily on
display or exhibit.
(2) The following of SECTION I -
PROPERTY, B. Exclusions,
paragraph 1. do not apply to this
Additional Coverage:
(a) b. Earth Movement; and
(b) g. Water
(3) The most we will pay for any loss
under this Additional Coverage is
$10,000 per occurrence
regardless of the number of
locations or buildings involved.
(4) Special Fine Arts Exclusion
We will not pay for any loss
caused by or resulting from:
(a) Breakage of statuary,
glassware, bric-a-brac,
marble, porcelain and similar
fragile property. But we will
pay if the loss or damage is
caused directly by a "specified
cause of loss", earthquake or
"flood"; and
(b) Any repairing, restoration or
retouching of the "fine arts".
y. Sales Representative Samples
(1) We will pay for direct physical
loss or damage by a Covered
Cause of Loss to samples of your
"stock" in trade (including
containers) while:
(a) In the custody of your sales
representative, agent or any
"employee" who travels with
sales samples;
(b) In your custody while acting
as a sales representative; or
(c) "In transit" between the
described premises and your
sales representatives.
(2) The following of SECTION I -
PROPERTY, B. Exclusions,
paragraph 1. do not apply to this
Additional Coverage:
(a) b. Earth Movement; and
(b) g. Water
(3) The most we will pay for any loss
or damage under this Additional
Coverage is $5,000 unless a
higher Limit of Insurance is
shown in the Additional Property
Coverage Schedule.
(4) We will not pay for loss to the
following property:
(a) Property which has been sold;
(b) Jewelry, precious or semiprecious
stones, gold, silver, platinum or
other precious metals or alloys;
(c) Fur, fur garments or garments
trimmed with fur; or
(d) Any property while waterborne.
z. Leasehold Interest (Tenants Only)
(1) If your lease is cancelled due to direct
physical damage to property at the
described premises caused by or
resulting from a Covered Cause of
Loss, we will pay the net loss you
sustain due to increased rent under a
replacement lease.
(2) The most we will pay for loss because
of the cancellation of any lease or
leases due to the same covered
cause of loss is the lesser of:
(a) If your lease is cancelled and
either:
(i) Your landlord allows you to
continue to use your premises
under a new lease not to
exceed the prevailing lease
rate, or
(ii) You relocate to other
permanent premises and
enter into a new lease.

For the duration of the lease in
effect at the time of the loss, we
will pay the increase in rent
between what you were paying at
the time of loss and the rent you
will be required to pay for
equivalent premises under the
replacement lease;
(b) $10,000; or
(c) Nothing if there is not a written or
legally binding lease.
(3) The following applies to paragraph
(2), subparagraphs (a)(i) and (a)(ii)
above:
(a) If the lease in effect at the time of
the loss contains a renewal
option, the expiration date of the
renewal option period will replace
the expiration of the current
lease.
(b) If the lease has no end date
(open-ended), we will pay the
difference in rent for a period of
no more than 24 months after the
date of the direct physical
damage to the property at the
described premises.
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(4) The following applies to paragraph
(2), subparagraphs (a) and (b) above:
(a) $10,000 will be the maximum
amount payable regardless of the
number of leases affected by the
same Covered Cause of Loss.
(b) Existence of a renewal option will
not increase, or have any other
effect on this Limit of Insurance.
(5) Special Leasehold Interest Exclusion
We will not pay for any loss or
damage:
(a) If the unit or suite rented or
leased to you where direct
damage occurs has been vacant
more than 60 consecutive days
before the loss or damage occurs,
and you have not entered into an
agreement to sublease the unit or
suite.
(b) Caused by your cancelling the
lease, or
(c) Caused by lessors' lease
cancellation at the normal
expiration date.
aa. Unauthorized Business Credit Card Use
(1) We will pay for loss resulting from the
"theft" or unauthorized use of
Business Credit Cards issued to you
or registered in your name.
(2) We do not cover use of a Business
Credit Card:
(a) By a person who has been
entrusted with the card; or
(b) any of your "employees".
(3) All loss:
(a) Caused by one or more persons;
or
(b) Involving a single act or series of
related acts;
is considered one occurrence
regardless of the number of individual
unauthorized transactions.
(4) If a suit is brought against you for
liability, we will pay for reasonable
legal expenses incurred in that
defense under this Additional
Coverage.
(5) The most we will pay for any loss
including legal expenses, under this
Additional Coverage is $5,000 per
occurrence.
bb. Utility Services
(1) We will pay for loss of or damage to
Covered Property caused by an
interruption in service to the described
premises. The interruption must result
from direct physical loss or damage by a
Covered Cause of Loss to property not on
the described premises that provides the
services shown in paragraph (3) below.

The most we will pay for loss in any one
occurrence under this Additional
Coverage is $10,000 at each described
premises or the Limit of Insurance shown
in the Additional Property Coverage
Schedule.
(2) We will pay for the actual loss of Business
Income you sustain and necessary Extra
Expense you incur caused by the
interruption of service at the described
premises. The interruption must result
from direct physical loss or damage by a
Covered Cause of Loss to property not on
the described premises that provides the
services shown in paragraph (3) below.

We will only pay for loss you sustain after
the first 24 hours following the direct
physical loss of or damage to the property
described above.

The most we will pay for loss in any one
occurrence under this Additional
Coverage is $5,000 at each described
premises or the Limit of Insurance shown
in the Additional Property Coverage
Schedule.
(3) Services:
(a) Water Supply Services, meaning the
following types of property supplying
water to the described premises:
(i) Pumping stations; and
(ii) Water mains.
(b) Communication Supply Services,
meaning the following types of
property supplying communication
services, including but not limited
to telephone, radio, microwave,
television services, internet
access or access to any
electronic, cellular or satellite
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Hanover
Insurance Group..

ODF9926346 13
6/1/2025 to 6/1/2026
network to the described premises,
such as:
(i) Communication transmission
lines, including optic fiber
transmission lines;
(ii) Coaxial cables; and
(iii) Microwave radio relays except
satellites.
(c) Power Supply Services, meaning
the following types of property
supplying electricity, steam or gas
to the described premises:
(i) Utility generating plants;
(ii) Switching stations;
(iii) Substations;
(iv) Transformers; and
(v) Transmission lines.
(4) Services under this Additional
Coverage do not include overhead
transmission lines that deliver utility
services to you. Overhead transmission
lines include, but are not limited to:
(a) Overhead transmission and
distribution lines;
(b) Overhead transformers and similar
equipment; and
(c) Supporting poles and towers.
(5) As used in this additional coverage, the
term transmission lines includes all
lines which serve to transmit
communication service or power,
including lines which may be identified
as distribution lines.
(6) This coverage is not an additional
amount of insurance.
(7) Coverage under this Additional
Coverage for loss or damage to
Covered Property does not apply to
loss or damage to "electronic data",
including destruction or corruption of
"electronic data".
(8) The definitions of Business Income and
Extra Expense contained in the
Business Income and Extra Expense
Additional Coverages also apply to this
Utility Services Additional Coverage.
cc. Deferred Payments
(1) We will pay for your interest in lost or
damaged Business Personal Property
sold by you under a conditional sale or
trust agreement or any installment or
deferred payment plan after delivery to
buyers. The loss or damage must be
caused by a Covered Cause of Loss.
(2) When a total loss to that property occurs,
deferred payments are valued on the
amount shown on your books as due
from the buyer. When a partial loss to
that property occurs and the buyer
refuses to continue payment, forcing you
to repossess, deferred payments are
valued as follows:
(a) If therealized valueof therepossessed
property is greater than or equal
to the amount shown on your books
as due from the buyer, we will make
no payment; but
(b) If therealized value of the repossessed
property is less than the amount
shown on your books as due from
the buyer, we will pay the difference.
(3) When loss occurs and the buyer
continues to pay you, there will be no
loss payment.
(4) The most we will pay for loss under this
Additional Coverage is $5,000 per
occurrence.
dd. Electronic Vandalism
(1) SECTION I - PROPERTY, A. Coverage, 2.

Property Not Covered, paragraph o. is
deleted.
(2) We cover direct physical loss of or
damage to covered "computer equipment"
at the described premises caused by
"electronic vandalism".
(3) The most we will pay in any one
occurrence under this Additional
Coverage is $10,000. The most we pay
for all covered losses under this
Additional Coverage during each
separate 12-month period of this policy is
$10,000.
(4) Special Electronic Vandalism Exclusions
We do not cover:
(a) Loss of proprietary use of any
"electronic data" or "proprietary
programs" that have been copied,
scanned, or altered;
(b) Loss of or reduction in economic or
market value of any "electronic
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data" or "proprietary programs"
that have been copied,
scanned, or altered; and
(c) "Theft" from your "electronic
data" or "proprietary programs"
of confidential information
through the observation of the
"electronic data" or "proprietary
programs" by accessing
covered "computer equipment"
without any alteration or other
physical loss of or damage to
the records or programs.

Confidential information
includes, but is not limited to,
customer information,
processing methods, or trade
secrets.
ee. Interruption of Computer Operations
This Additional Coverage is only
available if Business Income is covered
under this Coverage Form.
(1) Subject to all provisions of this
Additional Coverage, you may
extend the insurance that applies to
Business Income and Extra
Expense to apply to a suspension
of "operations" at the described
premises caused by an interruption
in computer operations due to
destruction or corruption of
"electronic data" occurring at or
away from the described premises
resulting from any Covered Cause
of Loss.
(2) With respect to the coverage
provided under this Additional
Coverage, the Covered Causes of
Loss are subject to the following:
(a) With respect to the coverage
provided under this Additional
Coverage, the Covered Causes
of Loss include "electronic
vandalism". But there is no
coverage for an interruption
related to manipulation of a
computer system (including
"electronic data") by any
employee, including a
temporary or leased employee,
or by an entity retained by you,
or for you, to inspect, design,
install, modify, maintain, repair
or replace that system.
(b) If the Businessowners
Coverage Form is endorsed to
add a Covered Cause of Loss,
the additional Covered Cause
of Loss does not apply to the
coverage provided under this
Additional Coverage.
(3) The most we will pay under this
Additional Coverage - Interruption of
Computer Operations for all loss
sustained and expense incurred in
any one policy year, regardless of
the number of interruptions or the
number of premises, locations or
computer systems involved, is
$10,000 unless a higher Limit of
Insurance is shown in the
Declarations. If loss payment relating
to the first interruption does not
exhaust this amount, then the
balance is available for loss or
expense sustained or incurred as a
result of subsequent interruptions in
that policy year. A balance
remaining at the end of a policy year
does not increase the amount of
insurance in the next policy year.

With respect to any interruption
which begins in one policy year and
continues or results in additional
loss or expense in a subsequent
policy year(s), all loss and expense
is deemed to be sustained or
incurred in the policy year in which
the interruption began.
(4) This Additional Coverage
Interruption of Computer Operations
does not apply to loss sustained or
expense incurred after the end of the
"period of restoration", even if the
amount of insurance stated in
paragraph (3) above has not been
exhausted.
(5) Coverage for Business Income does
not apply when a "suspension"of
"operations" is caused by destruction
or corruption of "electronic data", or
any loss or damage to "electronic
data", except as provided under
paragraphs (1), (2), (3) and (4) of this
Additional Coverage.
(6) Coverage for Extra Expense does not
apply when action is taken to avoid
or minimize a "suspension" of
"operations" caused by "electronic
vandalism",except as provided under
paragraphs (1), (2), (3) and (4) of this
Additional Coverage.
(7) This Additional Coverage
Interruption of Computer Operations
does not apply when loss or damage
to "electronic data" involves only
"electronic data" which is integrated
in and operates or controls a
building's elevator, lighting, heating,
ventilation, air conditioning or
security system.
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Hanover
Insurance Group..

ODF9926346 13
6/1/2025 to 6/1/2026
ff. Limited Coverage for Fungi, Wet Rot, or
Dry Rot
(1) The coverage described in
paragraphs (2) and (6) below only
applies when the "fungi", wet rot or
dry rot is the result of any of the
"specified causes of loss" other than
fire or lightning that occurs during
the policy period and only if all
reasonable means were used to
save and preserve the property from
further damage at the time of and
after that occurrence.

This Additional Coverage does not
apply to lawns, trees, shrubs or
plants which are part of a vegetated
roof.
(2) We will pay for loss or damage by
"fungi", wet rot or dry rot. As used in
this Limited Coverage, the term loss
or damage means:
(a) Direct physical loss of or
damage to Covered Property
caused by "fungi", wet rot or dry
rot, including the cost of removal
of the "fungi", wet rot or dry rot;
(b) The cost to tear out and replace
any part of the building or other
property as needed to gain
access to the "fungi", wet rot or
dry rot; and
(c) The cost of testing performed
after removal, repair,
replacement or restoration of the
damaged property is completed,
provided there is a reason to
believe that "fungi", wet rot or
dry rot is present.
(3) The coverage described under this
Limited Coverage is limited to
$50,000. Regardless of the number of
claims, this limit is the most we will
pay for the total of all loss or
damage arising out of all
occurrences caused by or resulting
from any of the "specified causes of
loss" (other than fire or lightning)
which take place in a 12 month
period (starting with the beginning of
the present policy period). With
respect to a particular occurrence of
loss which results in "fungi", wet rot
or dry rot, we will not pay more than
the total of $50,000 even if the "fungi",
wet rot or dry rot continues to be
present or active, or recurs, in a
later policy period.
(4) The coverage provided under this
Limited Coverage does not increase
the applicable Limit of Insurance on
any Covered Property. If a particular
occurrence results in loss or damage
by "fungi", wet rot or dry rot, and
other loss or damage, we will not pay
more for the total of all loss or
damage, than the applicable Limit of
Insurance on the affected Covered
Property.

If there is covered loss or damage to
Covered Property, not caused by
"fungi", wet rot or dry rot, loss
payment will not be limited by the
terms of this Limited Coverage,
except to the extent that "fungi", wet
rot or dry rot causes an increase in
the loss. Any such increase in the
loss will be subject to the terms of
this Limited Coverage.
(5) The terms of this Limited Coverage
do not increase or reduce the
coverage provided in SECTION I -
PROPERTY, A. Coverage, 5 Additional
Coverages, d. Collapse; and/or e.

Water Damage, Other Liquids, Powder
or Molten Material Damage.
(6) The following applies only if Business
Income and/or Extra Expense
Coverage applies to the described
premises and only if the "suspension"
of "operations" satisfies all the terms
and conditions of the applicable
SECTION I - PROPERTY, A. Coverage,

5. Additional Coverages, f. Business
Income and/or g. Extra Expense:
(a) If the loss which resulted in
"fungi", wet rot or dry rot does
not in itself necessitate a
"suspension" of "operations", but
such "suspension" is necessary
due to loss or damage to
property caused by "fungi", wet
rot or dry rot, then our payment
under SECTION I - PROPERTY, A.

Coverage, 5. Additional
Coverages, f. Business Income
and/or g. Extra Expense is limited
to the amount of loss and/or
expense sustained in a period of
not more than 30 days. The days
need not be consecutive.
(b) If a covered suspension of
"operations" was caused by loss
or damage other than "fungi", wet
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rot or dry rot, but remediation of
"fungi", wet rot, dry rot prolongs the
"period of restoration", we will pay
for loss and/or expense sustained
during the delay (regardless of when
such a delay occurs during the
"period of restoration"), but such
coverage is limited to 30 days. The
days need not be consecutive.
gg. Theft of Telephonic Services
(1) We will pay amounts you are obligated
to pay that result from the "theft" of your
"telephonic services" when someone
who is not an "employee" gains
unauthorized access to your "telephonic
services" used in your business
operations.
(2) The most we will pay under this
Additional Coverage for acts of "theft"
of "telephonic services", regardless of
the number of "thefts" of
"telephonic services" that you sustain in
one policy year is $25,000.
hh. Computer and Funds Transfer Fraud
(1) We will pay for:
(a) Loss resulting directly from a
fraudulent:
(i) Entry of "electronic data" or
"computer program" into; or
(ii) Change of "electronic data" or
"computer program" within;
any "computer equipment" owned,
leased or operated by you, provided
the fraudulent entry or fraudulent
change causes, with regard to
(1)(a)(i) and (1)(a)(ii) in the above
paragraph:
(iii) "Money", "securities" or "other
property" to be transferred, paid
or delivered; or
(iv) Your account at a "financial
institution" to be debited or
deleted.
(b) Loss resulting directly from a
"fraudulent instruction" directing a
"financial institution" to debit your
"transfer account" and to transfer,
pay or deliver "money" or
"securities" from that account.
(2) As used in (1)(a) above, fraudulent
entry or fraudulent change of
"electronic data" or "computer
program" shall include such entry or
change made by an "employee" acting,
in good faith, upon a "fraudulent
instruction" received from a computer
software contractor who has a written
agreement with you to design,
implement or service "computer
programs" for "computer equipment"
covered under this Insuring
Agreement.
(3) The most we will pay per occurrence
under this Additional Coverage is
$5,000 unless a higher Limit of
Insurance is shown in the Schedule of
Amended Limits of Insurance.
(4) Under this Additional Coverage all
loss:
(a) Caused by one or more persons; or
(b) Involving a single act or series of
acts:
is considered one occurrence.
ii. Tenant Building Insurance - When Your
Lease Requires You to Provide Insurance
(1) This Additional Coverage is available
only when the Named Insured is a
tenant and a Limit of Insurance is
shown in the Declarations Page for
Business Personal Property.
(2) We will pay for direct physical loss of
or damage to a building on the
described premises owned by your
landlord and in your care, custody or
control for which you have a written
contractual responsibility to insure. The
loss or damage must be the result of
or caused by a Covered Cause of Loss.
(3) Regardless of the number of described
buildings affected, the most we will pay
per insured location under this
Additional Coverage is $25,000 in any
one occurrence.
jj. Tenant Business Personal Property
Insurance - When Your Lease Requires You
to Provide Insurance
(1) This Additional Coverage is available
only when the Named Insured is a
tenant and a Limit of Insurance is
shown in the Declarations Page for
Business Personal Property.
(2) Subject to SECTION I - PROPERTY, E.

Property Loss Conditions, 5. Loss
Payment, paragraph d.,
subparagraph (3)(b), we will pay for
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direct physical loss of or damage to
your landlord's personal property
located inside of a building on the
described premises and in your
care, custody or control for which
you have a written contractual
responsibility to insure. The loss or
damage must be the result of or
caused by a Covered Cause of
Loss.
(3) Regardless of the number of
buildings where the landlord's
personal property is located, the
most we will pay per insured
location under this Additional
Coverage in any one occurrence is
$25,000.

6. Coverage Extensions
Except as otherwise provided, the following
extensions apply to property located in or
on the building described in the
Declarations or in the open (or in a vehicle)
within 1,000 feet of the described premises:
a. Newly Acquired or Constructed
Property
(1) Buildings
If your policy covers Buildings, you
may extend the insurance provided
under Building to apply to direct
physical loss or damage when such
loss or damage is caused by a
Covered Cause of Loss to:
(a) Your new buildings while being
built on the described
premises; and
(b) Buildings you acquire at
premises other than the one
described, intended for:
(i) Similar use as the building
described in the
Declarations; or
(ii) Used as a warehouse.
(c) The most we will pay for loss or
damage under this Extension
for Newly Acquired or
Constructed Buildings is
$1,000,000 at each building.
(2) Business Personal Property
(a) If your policy covers Business
Personal Property, you may
extend the insurance provided
under Business Personal
Property to apply to direct
physical loss or damage when
such loss or damage is caused
by a Covered Cause of Loss to:

Hanover
Insurance Group-
ODF9926346 13
6/1/2025 to 6/1/2026
(i) Business Personal Property,
including such property that
you newly acquire, at any
location you acquire; or
(ii) Business Personal Property,
including such property that
you newly acquire, located at
your newly constructed or
acquired buildings at the
location described in the
Declarations.
(iii) Business Personal Property
that you newly acquire,
located at the described
premises.
(b) This Extension does not apply to:
(i) Personal property of others
that is temporarily in your
possession in the course of
installing or performing work
on such property; or
(ii) Personal property of others
that is temporarily in your
possession in the course of
your manufacturing or
wholesaling activities.
(c) This insurance may not be used
to increase your Business
Personal Property Limit. It does
not apply to personal property
you acquire as part of your usual
customary business dealings
whether or not such acquisition
was related to anticipated
seasonal demands. Under the
terms of this Coverage Form,
such property is not considered
newly acquired, but falls within
the provisions for Business
Personal Property.
(d) The most we will pay for loss or
damage under this Extension is
$500,000 at each premises.
(3) Business Income and Extra Expense
You may extend the insurance that
applies to Business Income and
Extra Expense to apply to property at
any location you acquire. The most
we will pay for loss or damage
under this Extension is $250,000 at
each premise.
(4) Period of Coverage
With respect to insurance provided
under this Coverage Extension for
Newly Acquired or Constructed
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Property, coverage will end when any of
the following first occurs:
(a) This policy expires;
(b) 180 days after you acquire the
property or begin construction of that
part of the building that would qualify
as Covered Property; or
(c) You report values to us.

We will charge you additional premium
for values reported from the date you
acquire the property or begin
construction of that part of the building
that would qualify as Covered Property.
b. Personal Property Off Premises
(1) If your policy covers Business Personal
Property, you may extend the insurance
provided in SECTION I - PROPERTY, A.

Coverage, 1. Covered Property, b.

Business Personal Property to apply to
direct physical loss or damage when
such loss or damage is caused by a
Covered Cause of Loss while:
(a) At a location you do not own,
lease or operate; or
(b) At any fair, trade show or exhibition.
(2) The most we will pay for loss or damage
under this Extension is $50,000 or the
amount shown in the Additional Property
Coverage Schedule, whichever is
greater.
(3) Special Personal Property Off Premises
Exclusions
This extension does not apply to
property:
(a) In or on a vehicle; or
(b) In the care, custody or control of
your sales representative, unless the
property is in such care, custody or
control at a fair, trade show or
exhibition.
c. Outdoor Property
(1) You may extend insurance provided
by this Coverage Form to apply to
direct physical loss or damage to your
radio and television antennas
(including satellite dishes), trees,
shrubs, plants and lawns (other than
trees, shrubs or plants which are
"stock" or are a part of a vegetated
roof) including debris removal
expense, caused by or resulting from
any of the following causes of loss:
(a) Fire;
(b) Lightning;
(c) Explosion;
(d) Riot or civil commotion;
(e) Aircraft;
(f) Windstorm; or
(g) Ice, snow, sleet and hail.
(2) Coverage under this Extension does
not apply to property held for sale by
you.
(3) Regardless of the number of
described premises involved, the
most we will pay for loss or damage
under this Extension, including
debris removal expense, is $10,000,
but not more than $1,000 for any one
tree, shrub or plant.
d. Personal Effects
(1) If your policy covers Business
Personal Property, you may extend
the insurance provided in SECTION
I - PROPERTY, A. Coverage, 1.

Covered Property, b. Business
Personal Property to apply to direct
physical loss or damage to personal
effects owned by you, your officers,
your partners or "members", your
"managers" or your "employees"
when such loss or damage is
caused by a Covered Cause of Loss.
(2) This extension does not apply to:
(a) Tools or equipment used in your
business; and
(b) "Employees” tools and small
equipment;
(3) The most we will pay for loss or
damage under this Extension is
$10,000 at each described premises.
e. Valuable Papers and Records (Other
Than Electronic Data)
(1) If your policy covers Business
Personal Property, you may extend
the insurance provided under
SECTION I PROPERTY, A.

Coverage, 1. Covered Property, b.

Business Personal Property to apply
to direct physical loss or damage to
"valuable papers and records" that
you own, or that are in your care,
custody or control caused by or
resulting from a Covered Cause
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of Loss. This Coverage Extension
includes the cost to research,
replace or restore the lost
information on "valuable papers and
records" for which duplicates do not
exist.
(2) The most we will pay under this
Coverage Extension for loss or
damage to "valuable papers and
records" in any one occurrence at
the described premises is $25,000,
unless a higher Limit of Insurance for
"valuable papers and records" is
shown in the Additional Property
Coverage Schedule.
(3) The most we will pay under this
Coverage Extension for loss or
damage to "valuable papers and
records" in any one occurrence not
at the described premises is $25,000,
unless a higher Limit of Insurance for
"valuable papers and records" is
shown in the Additional Property
Coverage Schedule.
(4) This Coverage Extension does not
apply to:
(a) Property held as samples or for
delivery after sale; or
(b) Property in storage away from
the premises shown in the
Declarations;
(5) SECTION I - PROPERTY, B.

Exclusions does not apply to this
Coverage Extension except for:
(a) Paragraph 1.c. Governmental
Action;
(b) Paragraph 1.d. Nuclear Hazard;
(c) Paragraph 1.f. War and Military
Action;
(d) Paragraph 2.d. Dishonesty;
(e) Paragraph 2.e. False Pretense;
(f) Paragraph 2.k. Errors or
Omissions; and
(g) Paragraph 3.a. Weather
Conditions, 3.b. Acts or Decisions
and 3.c. Negligent Work.
f. Accounts Receivable
(1) If your policy covers Business
Personal Property, you may extend
the insurance provided in SECTION I
- PROPERTY, A. Coverage, 1.

Covered Property, b. Business
Personal Property to accounts
receivable when such loss or damage
Hanover
Insurance Group-
ODF9926346 13
6/1/2025 to 6/1/2026
is caused by or results from a
Covered Cause of Loss. We will
pay:
(a) All amounts due from your
customers that you are unable
to collect;
(b) Interest charges on any loan
required to offset amounts you
are unable to collect pending
our payment of these amounts;
(c) Collection expenses in excess
of your normal collection
expenses that are made
necessary by loss or damage;
and
(d) Other reasonable expenses
that you incur to re-establish
your records of accounts
receivable;
that result from direct physical loss
or damage by any Covered Cause
of Loss to your records of accounts
receivable.
(2) We will pay under this Coverage
Extension for loss or damage in
any one occurrence at the
described premises. The most we
will pay is $25,000 for accounts
receivable at the described
premises, unless a higher Limit of
Insurance for accounts receivable
is shown in the Additional Property
Coverage Schedule.
(3) We will pay under this Coverage
Extension for loss or damage in
any one occurrence not at the
described premises. The most we
will pay is $25,000 for accounts
receivable not at the described
premises.
(4) SECTION I - PROPERTY, B.

Exclusions does not apply to this
Coverage Extension except for:
(a) Paragraph 1.c. Governmental
Action;
(b) Paragraph 1.d. Nuclear Hazard;
(c) Paragraph 1.f. War and Military
Action;
(d) Paragraph 2.d. Dishonesty;
(e) Paragraph 2.e. False Pretense;and(f) Paragraph 3.a. Weather Conditions, 3.b. Acts or
Decisions and 3.c. Negligent
Work.
(5) Accounts Receivable Special
Exclusion
We will not pay for:
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(a) Loss or damage caused by or
resulting from alteration,
falsification, concealment or
destruction of records of
accounts receivable done to
conceal the wrongful giving,
taking or withholding of
"money", "securities" or
"other property".

This exclusion applies only to
the extent of the wrongful
giving, taking or withholding.
(b) Loss or damage caused by or
resulting from bookkeeping,
accounting or billing errors or
omissions.
(c) Any loss or damage that
requires any audit of records
or any inventory computation
to prove its factual existence.
g. Key Replacement and Lock Repair
(1) You may extend the insurance
provided under this Coverage
Form to cover the reasonable and
necessary expense you incur due
to a covered "theft" for:
(a) Replacement of keys if they
are stolen;
(b) Lock repair; or
(c) Rekeying, replacing or
reprogramming undamaged
locks to accept new keys or
entry codes when the building
security has been
compromised.
(2) The most we will pay under this
Extension is $1,000. The
deductible does not apply to this
Extension.
h. Appurtenant Structures
(1) If your policy covers Buildings,
you may extend the insurance
provided under Building to apply
to direct physical loss or damage
to garages, carports, storage
buildings and other appurtenant
structures, including, but not
limited to, swimming pools, spas
and the associated equipment
within 1,000 feet of the described
premises when such loss or
damage is caused by or results
from a Covered Cause of Loss.
(2) The most we will pay for loss or
damage under this Extension is
$50,000 at each described
premises regardless of the
number of buildings or structures
affected.
i. Personal Property in Transit
(1) If your policy covers Business
Personal Property, you may
extend the insurance provided in
SECTION I - PROPERTY, A.

Coverage, 1. Covered Property,
b. Business Personal Property to
apply to direct physical loss or
damage to your property or
property of others that is in your
care, custody or control while "in
transit" when such loss or
damage is caused by or results
from a Covered Cause of Loss.
(2) You may extend the insurance
that applies to SECTION I -
PROPERTY, A. Coverage, 1.

Covered Property, b. Business
Personal Property to apply to
direct physical loss or damage,
caused by a Coverage Cause of
Loss, to outgoing shipments that
have been rejected, while in due
course of transit back to you or
while awaiting return shipment
to you.
(3) This Extension applies to the
property while in:
(a) A vehicle owned, leased or
operated by you; or
(b) The custody of a common
carrier or contract carrier.
(4) The following in SECTION I -
PROPERTY, B. Exclusions,
paragraph 1. do not apply to this
Extension:
(a) b. Earth Movement; and
(b) g. Water.
(5) The most we will pay for loss or
damage under this Coverage
Extension is $10,000 unless a
higher Limit of Insurance is
shown in the Schedule of
Amended Limits of Insurance.
(6) Special Personal Property In
Transit Exclusions
This Extension does not apply to:
(a) Shipments that belong to
others that you are
transporting for a fee;
(b) Property while waterborne;
(c) Salesperson's Samples; or
(d) Loss to "perishable goods"
resulting from a breakdown
of refrigeration equipment on
any vehicle owned, leased or
operated by you or while in
the custody of a common or
contract carrier.
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j. Inventory and Loss Appraisal
(1) We will pay for all reasonable
expenses you incur at our written
request to assist us in:
(a) The investigation of a claim;
(b) The determination of the amount
of loss, such as taking inventory;
(c) The cost of preparing specific
loss documents and other
supporting exhibits; or
(d) Expenses you incur include
costs charged to you by others,
including property managers,
acting on your behalf to assist
us with items listed in paragraph
(1) above.
(2) Regardless of the number of
premises involved, the most we will
pay under this Extension is $10,000.
(3) The deductible does not apply to
these expenses.
(4) Special Inventory and Loss
Appraisal Exclusion
We will not pay for expenses:
(a) Incurred to perform your duties
in the event of a loss under
SECTION I - PROPERTY, E.

Property Loss Conditions;
(b) To prove that loss or damage is
covered;
(c) Billed by and payable to
independent or public adjusters;
attorneys; claims advocates; or
any of their affiliated or
associated entities;
(d) To prepare claims not covered
by this Coverage Form; or
(e) Incurred under any appraisal
provisions within the Coverage
Form.
k. Business Personal Property Temporarily
in Portable Storage Units
(1) If your policy covers Business
Personal Property, you may extend
the insurance provided in SECTION I
- PROPERTY, A. Coverage, 1.

Covered Property, b. Business
Personal Property to apply to direct
physical loss or damage to such
property while temporarily stored in
a portable storage unit (including a
detached trailer) located within 1,000
feet of the buildings or structures
described in the Declarations or within
1,000 feet of the described premises,
whichever distance is greater when
such loss or damage is caused by or
results from a Covered Cause of Loss.
(2) We will not pay for loss of or damage
to Business Personal Property
temporarily in portable storage units,
caused by or resulting from rain,
snow, sleet, ice, sand or dust, whether
driven by wind or not, unless:
(a) The portable storage unit first
sustains damage by a Covered
Cause of Loss to its roof or walls
through which the rain, snow,
sleet, ice, sand or dust enters; or
(b) The loss or damage is caused by
or results from thawing of snow,
sleet or ice on the building or
structure.
(3) Coverage under this Extension:
(a) Will end 90 days after the
Business Personal Property has
been placed in the storage unit;
(b) Does not apply if the storage unit
itself has been in use at the
described premises for more than
90 consecutive days, even if the
Business Personal Property has
been stored there for 90 or fewer
days as of the time of loss or
damage.
(4) Under this Extension, the most we will
pay for the total of all loss or damage
to Business Personal Property is
$25,000 unless a higher limit is shown
in the Additional Property Coverage
Schedule for this Extension regardless
of the number of storage units.
(5) This Extension does not apply to loss
or damage otherwise covered under
this Coverage Form or any
endorsement to this Coverage Form,
and does not apply to loss or damage
to the storage unit itself.

I. Paved Surfaces
(1) If your policy covers Buildings, you
may extend the insurance provided
under SECTION I - PROPERTY, A.

Coverage, 1. Covered Property, a.

Building to apply to direct physical
loss or damage to your paved
surfaces, including but not limited to
bridges, roadways, walks, patios, and
parking lots when such loss or
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damage is caused by or results from
a Covered Cause of Loss.
(2) Regardless of the number of
described premises involved, the
most we will pay for loss or damage
in any one occurrence is $25,000.
(3) Payment for loss or damage to this
property is included in the applicable
Limit of Insurance.
(4) Special Paved Surfaces Exclusion
We will not pay for loss or damage
caused by tree roots, freezing or
thawing.
m. Underground Pipes
(1) If your policy covers Buildings, you
may extend the insurance provided
in SECTION I - PROPERTY, A.

Coverage, 1. Covered Property, a.

Building to apply to direct physical
loss or damage to underground
pipes, flues and drains when such
loss or damage is caused by or
results from a Covered Cause of
Loss.
(2) The most we will pay for loss under
this Coverage Extension is the
applicable Limit of Insurance.
(3) Payment under this Additional
Coverage is included within the Limit
of Insurance.
(4) Special Underground Pipes Exclusion
We will not pay for loss or damage
caused by tree roots.

B. Exclusions

1. We will not pay for loss or damage caused
directly or indirectly by any of the following.

Such loss or damage is excluded regardless
of any other cause or event that contributes
concurrently or in any sequence to the loss.
a. Ordinance or Law
(1) The enforcement of or compliance
with any ordinance or law:
(a) Regulating the construction, use
or repair of any property; or
(b) Requiring the tearing down of
any property, including the cost
of removing its debris.
(2) This exclusion, Ordinance or Law,
applies whether the loss results
from:
(a) An ordinance or law that is
enforced even if the property has
not been damaged; or
(b) The increased costs incurred to
comply with an ordinance or law in
the course of construction, repair,
renovation, remodeling or
demolition of property or removal of
its debris, following a physical loss
to that property.

This exclusion does not apply to the
Ordinance or Law Additional Coverage.
b. Earth Movement
(1) Earthquake, including tremors and
aftershocks and any earth sinking,
rising or shifting related to such event;
(2) Landslide, including any earth sinking,
rising or shifting related to such event;
(3) Mine subsidence, meaning subsidence
of a man-made mine, whether or not
mining activity has ceased;
(4) Earth sinking (other than sinkhole
collapse), rising or shifting including
soil conditions which cause settling,
cracking or other disarrangement of
foundations or other parts of realty. Soil
conditions include contraction,
expansion, freezing, thawing, erosion,
improperly compacted soil and the
action of water under the ground
surface.

But if Earth Movement, as described in
paragraphs (1), (2), (3) and (4) above,
results in fire or explosion, we will pay
for the loss or damage caused by that
fire or explosion.
(5) Volcanic eruption, explosion or effusion.

But if volcanic eruption, explosion or
effusion results in fire, building glass
breakage or volcanic action, we will pay
for the loss or damage caused by that
fire, building glass breakage or volcanic
action.

Volcanic action means direct loss or
damage resulting from the eruption of a
volcano when the loss or damage is
caused by:
(a) Airborne volcanic blast or airborne
shock waves;
(b) Ash, dust or particulate matter; or
(c) Lava flow.

With respect to coverage for volcanic
action as set forth in paragraph (5),
subparagraphs (a), (b) and (c) above,
all volcanic eruptions that occur within
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any 168-hour period will constitute a
single occurrence.

Volcanic action does not include the
cost to remove ash, dust or
particulate matter that does not
cause direct physical loss of or
damage to Covered Property.

This exclusion applies regardless of
whether or not any of the above, in
SECTION I - PROPERTY, B. Exclusions,
paragraph 1., b Earth Movement,
subparagraphs(l), (2), (3), (4) and (5), are
caused by an act of nature or is
otherwise caused.
c. Governmental Action
Seizure or destruction of property by
order of governmental authority.

But we will pay for loss or damage
caused by or resulting from acts of
destruction ordered by governmental
authority and taken at the time of a fire to
prevent its spread, if the fire would be
covered under this Coverage Form.
d. Nuclear Hazard
Nuclear reaction or radiation, or
radioactive contamination, however
caused.

But if nuclear reaction or radiation, or
radioactive contamination, results in fire,
we will pay for the loss or damage
caused by that fire.
e. Utility Services
The failure of power, communication,
water or other utility service supplied to
the described premises, however caused,
if the failure:
(1) Originates away from the described
premises; or
(2) Originates at the described premises,
but only if such failure involves
equipment used to supply the utility
services to the described premises
from a source away from the
described premises.

Failure of any utility service includes lack
of sufficient capacity and reduction in
supply.

Loss or damage caused by a surge of
power is also excluded, if the surge
would not have occurred but for an event
causing a failure of power.

But if the failure or surge of power, or the
failure of communication, water or other
utility service, results in a Covered Cause
of Loss, we will pay for the loss or
damage caused by that Covered Cause of
Loss.

Communication services include but are
not limited to service relating to Internet
access or access to any electronic,
cellular or satellite network.

This exclusion does not apply to loss or
damage to "computer equipment" and
"electronic data" or to SECTION I -
PROPERTY, 5. Additional Coverages, bb.

Utility Services.
f. War and Military Action
(1) War, including undeclared or civil war;
(2) Warlike action by a military force,
including action in hindering or
defending against an actual or
expected attack, by any government,
sovereign or other authority using
military personnel or other agents; or
(3) Insurrection, rebellion, revolution,
usurped power, or action taken by
governmental authority in hindering or
defending against any of these.
g. Water
(1) "Flood", surface water, waves
(including tidal wave or tsunami),
tides, tidal water, overflow of any
body of water, or spray from any of
these, all whether or not driven by
wind (including storm surge);
(2) Mudslide or mudflow;
(3) Water that backs up or overflows or is
otherwise discharged from a sewer,
drain, sump, sump pump; or related
equipment;
(4) Water under the ground surface
pressing on, or flowing or seeping
through:
(a) Foundations, walls, floors or
paved surfaces;
(b) Basements, whether paved or not;
or
(c) Doors, windows or other
openings.
(5) Waterborne material carried or
otherwise moved by any of the water
referred to in paragraphs (1), (3) or (4)
above, or material carried or
otherwise moved by mudslide or
mudflow.

This exclusion applies regardless of
whether any of paragraphs (1), (2), (3), (4)
and (5$bove, are caused by an act of
nature or is otherwise caused. An example
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of a situation to which this exclusion
applies is the situation where a dam,
levee, seawall or other boundary or
containment system fails in whole or in
part, for any reason, to contain the water.

But if Water, as described in paragraphs
(1), (2), (3), (4) and (5) above, results in
fire, explosion or sprinkler leakage, we
will pay for the loss or damage caused by
that fire, explosion or sprinkler leakage. If
electrical "covered equipment" requires
drying out because of paragraphs (1), (2),
(3), (4) and (5) above, we will pay for the
direct expenses of such drying out
subject to the applicable Limit of
Insurance and Deductible for Building or
Personal Property, whichever applies.
h. Fungi, Wet Rot or Dry Rot
Presence, growth, proliferation, spread or
any activity of "fungi”,wet rot or dry rot.

But if "fungi", wet rot or dry rot results in
any of the "specified causes of loss", we
will pay for the loss or damage caused by
any of the "specified causes of loss".

This exclusion does not apply:
(1) When "fungi", wet rot or dry rot
results from fire or lightning; or
(2) To the extent that coverage is
provided in the SECTION I
PROPERTY, A. Coverage, 5. Additional
Coverage, ff. Limited Coverage for
Fungi, Wet Rot or Dry Rot, with
respect to loss or damage by a cause
of loss other than fire or lightning.
i. Virus or Bacteria
(1) Any virus, bacterium or other
microorganism that induces or is
capable of inducing physical distress,
illness or disease.
(2) However, the exclusion in paragraph
(1) above, does not apply to loss or
damage caused by or resulting from
"fungi", wet rot or dry rot. Such loss
or damage is addressed in SECTION I
PROPERTY, B. Exclusions,
paragraph 1., h. Fungi, Wet Rot or Dry
Rot.
(3) With respect to any loss or damage
subject to the exclusion in paragraph
(1) above, such exclusion supersedes
any exclusion relating to "pollutants".

SECTION I - PROPERTY, B. Exclusions,
paragraphs 1.a., 1.b., 1.C., 1.d., 1.e., 1.f., 1.g.,
I.h. and 1.i. apply whether or not the loss
event results in widespread damage or
affects a substantial area.

2. We will not pay for loss or damage caused
by or resulting from any of the following:
a. Consequential Losses
Delay, loss of use or loss of market,
however caused.
b. Smoke, Vapor and Gas
Smoke, vapor or gas from agricultural
smudging or industrial operations.
c. Frozen Plumbing
Water, other liquids, powder or molten
material that leaks or flows from
plumbing, heating, air conditioning or
other equipment (except fire protective
systems) caused by or resulting from
freezing, unless:
(1) You do your best to maintain heat
in the building or structure; or
(2) You drain the equipment and shut
off the supply if the heat is not
maintained.
d. Dishonesty
Dishonest or criminal act by you, any
of your partners, "members", officers,
managers, employees, directors,
trustees, authorized representatives or
anyone to whom you entrust the
property for any purpose:
(1) Acting alone or in collusion with
others; or
(2) Whether or not occurring during
the hours of employment.

This exclusion does not apply to acts
of destruction by your employees; but
"theft" by employees is not covered.

This exclusion does not apply to
coverage that is provided under the
Employee Theft Including ERISA
Additional Coverage.
e. False Pretense
Voluntary parting with any property by
you or anyone else to whom you have
sold, given or otherwise entrusted the
property if induced to do so by any
fraudulent scheme, trick, device or
false pretense.

This exclusion does not apply to the
Unauthorized Business Card Use
Additional Coverage.
f. Exposed Property
Rain, snow, ice or sleet to personal
property in the open.
g. Collapse
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(1) Collapse, including any of the
following conditions of property or
any part of the property:
(a) An abrupt falling down or caving
in;
(b) Loss of structural integrity,
including separation of parts of
the property or property in
danger of falling down or caving
in; or
(c) Any cracking, bulging, sagging,
bending, leaning, settling,
shrinkage or expansion as such
condition relates to paragraphs
(a) or (b) above.

But if collapse results in a Covered
Cause of Loss at the described
premises, we will pay for the loss or
damage caused by that Covered
Cause of Loss.
(2) This Exclusion g. does not apply:
(a) To the extent that coverage is
provided under SECTION I -
PROPERTY, A. Coverage, 5.

Additional Coverages, d.

Collapse; or
(b) To collapse caused by one or
more of the following:
(i) Any of the "specified causes
of loss"
(ii) Breakage of building glass;
(iii) Weight of rain that collects
on a roof; or
(iv) Weight of people or personal
property
h. Pollution
Discharge, dispersal, seepage,
migration, release or escape of
"pollutants" unless the discharge,
dispersal, seepage, migration, release
or escape is itself caused by any of the
"specified causes of loss". But if the
discharge, dispersal, seepage,
migration, release or escape of
"pollutants" results in any of the
"specified causes of loss", we will pay
for the loss or damage caused by any of
the "specified causes of loss".
i. Neglect
Neglect of an insured to use all
reasonable means to save and preserve
property from further damage at and
after the time of loss.
j. Other Types of Loss
(1) Wear and tear;
(2) Rust or other corrosion, decay,
deterioration, hidden or latent defect or
any quality in property that causes it to
damage or destroy itself;
(3) Smog;
(4) Settling, cracking, shrinking or
expansion;
(5) Nesting or infestation, or discharge or
release of waste products or secretions,
by insects, birds, rodents or other
animals; or
(6) Mechanical breakdown, including
rupture or bursting caused by
centrifugal force.

This exclusion does not apply with
respect to the breakdown of "computer
equipment".

This exclusion does not apply to the
Equipment Breakdown Additional
Coverage.
(7) The following causes of loss to personal
property:
(a) Dampness or dryness of the
atmosphere;
(b) Changes in or extremes of
temperature; or
(c) Marring or scratching.

But if an excluded cause of loss that is
listed in paragraphs (1), (2), (3), (4), (5), (6)
and (7) above, results in any of the
"specified causes of loss", "accident",
"electronic circuity impairment" or building
glass breakage, we will pay for the loss or
damage caused by any of the "specified
causes of loss", "accident", "electronic
circuity impairment" or building glass
breakage.
k. Errors or Omissions
Errors or omissions in:
(1) Programming, processing or storing
"electronic data" or in any "computer
equipment" operations; or
(2) Processing or copying "valuable papers
and records".

However, we will pay for direct physical loss
or damage caused by resulting fire,
"accident", "electronic circuity impairment"
or explosion if these causes of loss would
be covered by this Coverage Form.

I. Installation, Testing, Repair
Errors or deficiency in design, installation,
testing, maintenance, modification or
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repair of your "computer equipment"
system including "software".

However, we will pay for direct physical
loss or damage caused by resulting fire
or explosion if these causes of loss
would be covered by this Coverage
Form.
m. Electrical Disturbance
Electrical or magnetic injury, disturbance
or erasure of "electronic data", except as
provided for in SECTION I - PROPERTY,
A. Coverage, 5. Additional Coverages,
and 6. Coverage Extensions.

However, we will pay for direct loss or
damage caused by lightning.
n. Artificially Generated Electricity
Artificially generated electric current
including electric arcing, that disturbs
electrical devices, appliances or wires
except as provided for in SECTION I -
PROPERTY, A. Coverage, 5. Additional
Coverages, u. - Equipment Breakdown.

But, if artificially generated electric
current results in fire, we will pay for the
loss or damage caused by fire.
o. Computer Processing Exclusion
(1) Errors or omissions in programming
or incorrect instructions to
"hardware";
(2) Electrical or magnetic damage,
disturbance of recordings or erasure
of electronic recordings, except as
provided under SECTION I
PROPERTY, A. Coverage, 5.

Additional Coverages, u. Equipment
Breakdown. We will also pay for
direct loss caused by lightning;
(3) Mechanical breakdown or
malfunction, component failure, faulty
installation or blowouts; except as
provided for under SECTION I -
PROPERTY, A. Coverage, 5.

Additional Coverages, u. Equipment
Breakdown; or
(4) Faulty instruction or incorrect usage,
including changes in arrangements
or parts.
p. Loss of Warranty
Loss of warranty or similar future or
potential benefit even when following a
covered loss or covered damage.
(1) Loss of this type does not meet
direct physical loss or damage.
(2) We agree that reasonable repair or
reconditioning measures be pursued
to ensure soundness of property
after loss or damage:
(a) Where proper and adequate
report or reconditioning
method is debated, you and
we agree to follow the usual
and customary industry repair
and reconditioning practices;
or
(b) For situations not resolved by
paragraph (a) above, either
party may demand that the
matter be resolved through
Appraisal as provided for
elsewhere in the Coverage
Form.
q. Continuous or Repeated Seepage or
Leakage of Water
Continuous or repeated seepage or
leakage of water, or the presence or
condensation of humidity, moisture or
vapor, that occurs over a period of 14
days or more.
r. Authorized Access
Loss resulting from a fraudulent:
(1) Entry of "electronic data" or
"computer program" into; or
(2) Change of "electronic data" or
"computer program" within;
any "computer equipment" owned,
leased or operated by you by a
person or organization with
authorized access to that "computer
equipment", except when covered
under SECTION I - PROPERTY, A.

Coverage, 5. Additional Coverages, hh.

Computer and Funds Transfer Fraud,
paragraph b..
s. Fraudulent Instructions
Loss resulting from an "employee" or
"financial institution" acting upon any
instruction to:
(1) Transfer, pay or deliver "money",
"securities" or "other property"; or
(2) Debit or delete your account;
which instruction proves to be
fraudulent, except when covered
under SECTION I - PROPERTY, A.

Coverage, 5. Additional Coverages,
hh. Computer and Funds Transfer
Fraud, paragraphs a.(2) and b..

3. We will not pay for loss or damage
caused by or resulting from paragraphs a.,
b. and c. below. But if an excluded cause
of loss that is listed in paragraphs a., b.
and c. below, results in a Covered Cause
of Loss, we will pay for the loss or
damage caused by that Covered Cause of
Loss.
a. Weather Conditions
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But this exclusion only applies if
weather conditions contribute in any
way with a cause or event excluded in
SECTION I - PROPERTY, B. Exclusions,
paragraph 1. to produce the loss or
damage.
b. Acts or Decisions
Acts or decisions, including the failure
to act or decide, of any person, group,
organization or governmental body.
c. Negligent Work
Faulty, inadequate or defective:
(1) Planning, zoning, development,
surveying, siting;
(2) Design, specifications, workmanship,
repair, construction, renovation,
remodeling, grading, compaction;
(3) Materials used in repair,
construction, renovation or
remodeling; or
(4) Maintenance;
of part or all of any property on or off
the described premises.

4. Additional Exclusion
The following applies only to the property
specified in this Additional Exclusion:

Loss or Damage to Products
We will not pay for loss or damage to any
merchandise, goods or other product
caused by or resulting from error or
omission by any person or entity (including
those having possession under an
arrangement where work or a portion of the
work is outsourced) in any stage of the
development, production or use of the
product, including planning, testing,
processing, packaging, installation,
maintenance or repair. This exclusion
applies to any effect that compromises the
form, substance or quality of the product.

But if such error or omission results in a
Covered Cause of Loss, we will pay for the
loss or damage caused by that Covered
Cause of Loss.

5. Business Income and Extra Expense
Exclusions
We will not pay for:
a. Any Extra Expense or increase of
Business Income loss caused by or
resulting from:
(1) Delay in rebuilding, repairing or
replacing the property or resuming
"operations", due to interference at
the location of the rebuilding, repair
or replacement by strikers or other
persons;
(2) "Suspension", lapse or
cancellation of any license, lease
or contract. But if the "suspension",
lapse or cancellation is directly
caused by the "suspension" of
"operations", we will cover such
loss that affects your Business
Income during the "period of
restoration" in accordance with
the terms of SECTION I
PROPERTY, A. Coverage, 5.

Additional Coverages, f. Business
Income, (2) Extended Business
Income.
(3) Damage or destruction of "finished
stock”; the time required to
reproduce "finished stock”;or
(4) Any other consequential loss.

Paragraph 5.a.(3) does not apply to
Extra Expense.

C. Limits of Insurance

1. The most we will pay for loss or damage
in any one occurrence is the applicable
Limits of Insurance of SECTION I -
PROPERTY shown in the Declarations.

2. The amounts of insurance applicable to
the Coverage Extensions and the following
Additional Coverages apply in accordance
with the terms of such coverages and are
in addition to SECTION I - PROPERTY, C.

Limits of Insurance:
a. Fire Department Service Charge;
b. Pollutant Clean-Up and Removal;
c. Civil Authority;
d. Money Orders and Counterfeit Money;
e. Forgery or Alteration;
f. Ordinance or Law;
g. Business Income from Dependent
Properties;
h. Glass Expenses;
i. Fire Protection Equipment Recharge
j. Employee Theft;
k. Rewards - Arson and Theft;
I. Computer Equipment;
m. Tenant Signs (Tenants Only);
n. Commercial Tools and Small
Equipment;
o. Installation;
p. Fine Arts;
q. Sales Representative Samples;
r. Leasehold Interest (Tenants Only);
s. Unauthorized Business Credit Card
Use;
t. Deferred Payments;
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u. Money and Securities;
v. Electronic Vandalism;
w. Interruption of Computer Operations;
x. Theft of Telephonic Services;
y. Computer and Funds Transfer Fraud;
z. Tenant Building Insurance - When Your
Lease Requires You to Provide
Insurance; or
aa. Tenant Business Personal Property
Insurance - When Your Lease Requires
You to Provide Insurance.

3. Building Limit - Increase
If Covered Property is written on a
Replacement Cost basis:
a. The Limit of Insurance for Buildings will
be revised by changes that occurred in
the cost of construction during the
preceding policy year.
b. The amount of increase will be
determined by reports of a recognized
valuation method.
c. We will inform you of such adjusted
values. Upon their acceptance, you
agree to pay any additional premium for
the adjusted limit. Payment of your
renewal premium, which includes the
revised Limit of Insurance, shall
constitute acceptance.
d. We will pay the replacement cost value
of the damaged portion of the building
at the time of loss, but not more than
125% of the Limit of Insurance for
Building if:
(1) The amount of any loss covered by
this Coverage Form exceeds the
Limit of Insurance for Building
stated in the Declarations for the
damaged Building; and
(2) The actual repair or replacement is
completed within one year of the
date of loss.
e. The Building Limit - Increase clause will
not apply if:
(1) You do not accept the adjusted
value; or
(2) You do not inform us of changes to
covered Building:
(a) Within sixty (60) days of the date
any additions, improvements or
enlargements to the building are
begun, and
(b) When the replacement value of
the changes are more than 5%of
the Limit of Insurance for the
building.

4. Business Personal Property Limit
Seasonal Increase
a. The Limit of Insurance for Business
Personal Property will increase by 25%
to provide for seasonal variations.
b. This increase will apply only if the Limit
of Insurance shown for Business
Personal Property in the Declarations is
at least 100% of your average monthly
values during the lesser of:
(1) The 12 months immediately
preceding the date the loss or
damage occurs; or
(2) The period of time you have been in
business as of the date the loss or
damage occurs.

D. Deductibles

1. We will not pay for loss or damage in any
one occurrence until the amount of loss or
damage exceeds the Deductible shown in
the Declarations. We will then pay the
amount of loss or damage in excess of the
Deductible up to the applicable limit in
SECTION I - PROPERTY, C. Limit of
Insurance.

2. No Deductible applies to the following
Additional Property Coverages and
Extensions of Coverage:
a. Fire Department Service Charge;
b. Fire Protection Equipment Recharge;
c. Business Income;
d. Extra Expense;
e. Civil Authority;
f. Key Replacement and Lock Repair;
g. Deferred Payment;
h. Debris Removal;
i. Rewards - Arson, Theft and Vandalism;
j. ERISA Compliance;
k. Preservation of Property;
I. Pollutant Clean-Up and Removal;
m. Ordinance or Law;
n. Leasehold Interest (Tenants Only);
o. Unauthorized Business Credit Card
Use;
p. Business Income from Dependent
Properties; and
q. Inventory and Loss Appraisal.

3. A $250 Deductible applies to the following
Coverages:
a. Glass - Interior and Exterior; and
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b. Glass Expenses.

4. A $500 Deductible applies to all of the
Additional Property Coverages and
Extensions of Coverage scheduled on the
Declarations, except Equipment
Breakdown, unless otherwise indicated in
paragraphs 2., 3. or 5. of this section.

5. A $1,000 Deductible applies to the
following Additional Property Coverages
and Extensions of Coverage:
a. Employee Theft (except ERISA
Compliance);
b. Sales Representative Samples;
c. Installation;
d. Personal Property Off Premises;
e. Personal Property In Transit.

6. The Deductible shown in the Declarations
for the Equipment Breakdown Additional
Coverage applies to the Additional
Coverage for Equipment Breakdown.

7. Each Deductible shall be applied
separately, but only to the coverage
specified. The total Deductible for all
losses in one occurrence will be the
highest Deductible amount that applies to
that occurrence.

8. The Business Income Waiting Period
shown on the Declarations Page for the
Business Income and Civil Authority
Additional Coverages is applicable in
addition to a Deductible.

E. Property Loss Conditions

1. Abandonment
There can be no abandonment of any
property to us.

2. Appraisal
If you and we disagree on the amount of a
covered loss, either may make written
demand for an appraisal of the loss. In
this event, each party will select a
competent and impartial appraiser. The
two appraisers will select an umpire. If
they cannot agree, either may request that
selection be made by a judge of a court
having jurisdiction. The appraisers will
state separately the amount of loss. If they
fail to agree, they will submit their
differences to the umpire. A decision
agreed to by any two will be binding. Each
party will:
a. Pay its chosen appraiser; and
b. Bear the other expenses of the
appraisal and umpire equally.

If there is an appraisal, we will still retain
our right to deny the claim.

3. Duties in the Event of Loss or Damage
a. You must see that the following are done in
the event of loss or damage to Covered
Property:
(1) Notify the police if a law may have been
broken.
(2) Give us prompt notice of the loss or
damage. Include a description of the
property involved.
(3) As soon as possible, give us a
description of how, when and where the
loss or damage occurred.
(4) Take all reasonable steps to protect the
Covered Property from further damage,
and keep a record of your expenses
necessary to protect the Covered
Property, for consideration in the
settlement of the claim. This will not
increase SECTION I - PROPERTY, C.

Limits of Insurance. However, we will not
pay for any subsequent loss or damage
resulting from a cause of loss that is not
a Covered Cause of Loss. Also, if
feasible, set the damaged property aside
and in the best possible order for
examination.
(5) At our request, give us complete
inventories of the damaged and
undamaged property. Include quantities,
costs, values and amount of loss
claimed.
(6) As often as may be reasonably required,
permit us to inspect the property proving
the loss or damage and examine your
books and records.

Also permit us to take samples of
damaged and undamaged property for
inspection, testing and analysis, and
permit us to make copies from your
books and records.
(7) Send us a signed, sworn proof of loss
containing the information we request to
investigate the claim. You must do this
within 60 days after our request. We will
supply you with the necessary forms.
(8) Cooperate with us in the investigation or
settlement of the claim.
(9) Resume all or part of your "operations"
as quickly as possible.
b. We may examine any insured under
oath, while not in the presence
of any other insured and at such
times as may be reasonably
required, about any matter
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relating to this insurance or the claim,
including an insured's books and
records. In the event of an
examination, an insured's answers
must be signed.

4. Legal Action Against Us
No one may bring a legal action against us
under this insurance unless:
a. There has been full compliance with all
of the terms of this insurance; and
b. The action is brought within 2 years
after the date on which the direct
physical loss or damage occurred. The
2 year limitation also applies to indirect
or consequential loss covered under
this Coverage Form.

5. Loss Payment
In the event of loss or damage covered by
this Coverage Form:
a. At our option, we will either:
(1) Pay the value of lost or damaged
property;
(2) Pay the cost of repairing or
replacing the lost or damaged
property;
(3) Take all or any part of the property
at an agreed or appraised value; or
(4) Repair, rebuild or replace the
property with other property of like
kind and quality, subject to
paragraph d., subparagraph (1)(d)
below.
b. We will give notice of our intentions
within 30 days after we receive the
sworn proof of loss.
c. We will not pay you more than your
financial interest in the Covered
Property.
d. We will determine the value of Covered
Property as follows:
(1) At replacement cost without
deduction for depreciation except
as provided in paragraphs (2), (3),
(4), (5), (6), (7), (8), (9), (10), (11),
(12), (13), (14), (15) and (16) below.
(a) You may make a claim for loss
or damage covered by this
insurance on an actual cash
value basis instead of a
replacement cost basis. In the
event you elect to have loss or
damage settled on an actual
cash value basis, you may still
make a claim on a replacement
cost basis if you notify us of
your intent to do so within 180
days after the loss or damage.
(b) We will not pay on a replacement
cost basis for any loss or
damage:
(i) Until the loss or damaged
property is actually repaired
or replaced;
(ii) Unless the repairs or
replacement are made as
soon as reasonably possible
after the loss or damage; and
(iii) Unless the repairs or
replacement are completed
within 24 months for personal
property or for buildings and
other real property after the
loss or damage, unless
extended in writing by us.

However, if the cost to repair or
replace a damaged building is
$2,500 or less we will determine
the value at replacement cost
without deduction for
depreciation.
(c) We will not pay more for loss or
damage on a replacement cost
basis than the least of the
following amounts:
(i) The cost to replace, on the
same premises, the lost or
damaged property with other
property:
1) Of comparable material
and quality; and
2) Used for the same
purpose; or
(ii) The amount that you actually
spend that is necessary to
repair or replace the lost or
damaged property.

If a building is rebuilt at a new
location, the recoverable amount
is limited to the cost which would
have been incurred had the
building been built at the original
premises.
(d) The cost to repair, rebuild or
replace does not include the
increased cost attributable to
enforcement of any ordinance or
law regulating the construction,
use or repair of any property.
(2) If the Declarations indicate the Actual
Cash Value applies to Building or
Personal Property, paragraph (1)
above does not apply to that
property. Instead, we will determine
the value of that property at the
actual cash value.
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(3) The following property at actual
cash value:
(a) Used or second-hand
merchandise held in storage
or for sale;
(b) Property of others. However, if
an item(s) of personal
property of others is subject to
a written contract which
governs your liability for loss
or damage to that item(s),
then valuation of that item(s)
will be based on the amount
for which you are liable under
such contract, but not to
exceed the lesser of the
replacement cost of the
property or the applicable
Limit of Insurance;
(c) Household contents, except
personal property in
apartments or rooms
furnished by you as landlord;
(d) Manuscripts;
(e) Works of art, "antiques" or
rare articles, including but not
limited to, etchings, pictures,
statuary, marbles, bronzes,
porcelains, glassware and
bric-a-brac not otherwise
covered in SECTION I
PROPERTY, A. Coverage, 5.

Additional Coverage, x. Fine
Arts; or
(f) Commercial Tools and Small
Equipment and Contractors
Tools and Equipment. This
does not apply to your
Commercial Tools and Small
Equipment permanently
installed or exclusively used
at the described premises.
(4) Glass at the cost of replacement
with safety glazing material if
required by law.
(5) Tenant's Improvements and
Betterments at:
(a) Replacement cost if you make
repairs promptly.
(b) A proportion of your original
cost if you, as the tenant, do
not make repairs promptly. We
will determine the
proportionate value as follows:
(i) Multiply the original cost
by the number of days
from the loss or damage
to the expiration of the
lease; and
(ii) Divide the amount
determined in paragraph (i)
above by the number of
days from the installation of
improvements to the
expiration of the lease.

If your lease contains a renewal
option, the expiration of the
renewal option period will
replace the expiration of the
lease in this procedure.
(c) Nothing if others pay for repairs
or replacement.
(6) "Valuable papers and records" at
the cost of restoration or
replacement, including the cost of
data entry, re-programming,
computer consultation services and
the "media" on which the data or
programs reside. To the extent that
the contents of the "valuable papers
and records" are not restored, the
"valuable papers and records" will
be valued at the cost of
replacement with blank materials of
substantially identical type.
(7) "Money" at its face value; and
(8) "Securities" at their value at the
close of business on the day the
loss is "discovered".
(9) Accounts Receivable:
(a) If you cannot accurately
establish the amount of
accounts receivable outstanding
as of the time of loss or
damage:
(i) We will determine the total
of the average monthly
amounts of accounts
receivable for the 12 months
immediately preceding the
month in which the loss or
damage occurs; and
(ii) We will adjust that total for
any normal fluctuations in
the amount of accounts
receivable for the month in
which the loss or damage
occurred or for any
demonstrated variance from
the average for that month.
(b) The following will be deducted
from the total amount of
accounts receivable, regardless
of how that amount is
established:
(i) The amount of the accounts
for which there is no loss or
damage;
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(ii) The amount of the
accounts that you are able
to re-establish or collect;
(iii) An amount to allow for
probable bad debts that
you are normally unable to
collect; and
(iv) All unearned interest and
service charges.
(10)"Stock" you have sold but not
delivered at the selling price less
discounts and expenses you
otherwise would have had.
(11)"Finished stock" you manufactured
at selling price less discounts and
expenses you otherwise would
have had.
(12)Personal Property in Transit (other
than "stock" you have sold) at the
amount of invoice, including your
prepaid or advanced freight
charges and other charges which
may have accrued or become
legally due since the shipment. If
you have no invoice, actual cash
value will apply.
(13)Precious metals, such as gold,
silver and platinum, at the
average market cost of
replacements on the date of loss,
or the actual cost of the
replacement, if less.
(14)"Fine Arts"
We will pay the lesser of:
(a) The market value at the time
of loss or damage;
(b) The reasonable cost of repair
or restoration to the condition
immediately before the
covered loss or damage; or
(c) The cost of replacement with
substantially identical
property.
e. Our payment for loss of or damage to
personal property of others will only
be for the account of the owners of
the property. We may adjust losses
with the owners of lost or damaged
property if other than you. If we pay
the owners, such payments will satisfy
your claims against us for the owners'
property. We will not pay the owners
more than their financial interest in
the Covered Property.
f. We may elect to defend you against
suits arising from claims of owners of
property. We will do this at our
expense.
g. We will pay for covered loss or damage
within 30 days after we receive a
properly completed sworn proof of loss,
provided you have complied with all of
the terms of this Coverage Form, and
(1) We have reached agreement with
you on the amount of loss; or
(2) An appraisal award has been made.
h. In settling covered losses involving a
party wall, we will pay a proportion of
the loss, to the party wall based on your
interest in the wall in proportion to the
interest of the owner of the adjoining
building. A party wall is a wall that
separates and is common to adjoining
buildings that are owned by different
parties. However, if you elect to repair or
replace your building and the owner of
the adjoining building elects not to repair
or replace that building, we will pay you
the full value of the loss to the party
wall, subject to all applicable policy
provisions including Limits of Insurance,
the Valuation and all other provisions of
this Loss Payment Condition. Our
payment under the provisions of this
paragraph does not alter any right of
subrogation we may have against any
entity, including the owner or insurer of
the adjoining building, and does not alter
the terms of SECTION III - COMMON
POLICY CONDITIONS, K. Transfer of
Rights of Recovery Against Others to Us
in this policy.

6. Recovered Property
If either you or we recover any property after
loss settlement, that party must give the
other prompt notice. At your option, you may
retain the property. But then you must return
to us the amount we paid to you for the
property. We will pay recovery expenses and
the expenses to repair the recovered
property, subject to SECTION I - PROPERTY,
C the Limits of Insurance.

7. Vacancy
a. Description of Terms
(1) As used in this Vacancy Condition,
the term building and the term
vacant have the meanings set forth
in paragraphs (a) and (b) below:
(a) When this policy is issued to a
tenant, and with respect to that
tenant's interest in Covered
Property, building means the
unit or suite rented or leased to
the tenant. Such leased space is
vacant when it does not contain
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enough business personal
property to conduct customary
"operations".
(b) When this policy is issued to
the owner or general lessee of
a building, building means the
entire building. Such building is
vacant unless at least 31% of
its total square footage is:
(i) Rented to a lessee or
sub-lessee and used by the
lessee or sub-lessee to
conduct its customary
operations; and/or
(ii) Used by the building owner
to conduct customary
operation.
(2) Buildings under construction or
renovation are not considered
vacant when customary "operations"
cannot be conducted as a direct
result of the construction or
renovation.
b. Vacancy Provisions
If the building or leased space where
loss or damage occurs has been
vacant for more than 60 consecutive
days before that loss or damage
occurs:
(1) We will not pay for any loss or
damage caused by any of the
following even if they are Covered
Causes of Loss:
(a) Vandalism;
(b) Sprinkler leakage due to
freezing, unless you have
protected the system against
freezing;
(c) Building glass breakage;
(d) Water damage;
(e) "Theft"; or
(f) Attempted "theft".
(2) With respect to Covered Causes of
Loss other than those listed in
paragraphs (a), (b), (c), (d), (e) and
(f) above, we will reduce the
amount we would otherwise pay for
the loss or damage by 15%.

8. Pair, Sets or Parts
For pairs or sets, we will either:
(a) Repair or replace any part to restore
the value and condition of the pair or
set to that immediately before the
covered loss or damage; or
(b) Pay the difference between the value of
the pair or set before and after the
covered loss or damage.
(c) Covered Property consisting of several
parts when complete, we will only pay for
the value of the lost or damaged part.

F. Property General Conditions

1. Control of Property
Any act or neglect of any person other than
you beyond your direction or control will not
affect this insurance.

The breach of any condition of this Coverage
Form at any one or more locations will not
affect coverage at any location where, at the
time of loss or damage, the breach of
condition does not exist.

2. Mortgageholders
a. The term mortgageholder includes
trustee.
b. We will pay for covered loss of or
damage to buildings or structures to
each mortgageholder shown in the
Declarations in their order of precedence,
as interests may appear.
c. The mortgageholder has the right to
receive loss payment even if the
mortgageholder has started foreclosure
or similar action on the building or
structure.
d. If we deny your claim because of your
acts or because you have failed to
comply with the terms of this Coverage
Form, the mortgageholder will still have
the right to receive loss payment if the
mortgageholder:
(1) Pays any premium due under this
policy at our request if you have
failed to do so;
(2) Submits a signed, sworn proof of loss
within 60 days after receiving notice
from us of your failure to do so; and
(3) Has notified us of any change in
ownership, occupancy or substantial
change in risk known to the
mortgageholder.

All of the terms of this Coverage Form
will then apply directly to the
mortgageholder.
e. If we pay the mortgageholder for any loss
or damage and deny payment to you
because of your acts or because you
have failed to comply with the terms of
this Coverage Form:
(1) The mortgageholder's rights under
the mortgage will be transferred to us
to the extent of the amount we pay;
and
(2) The mortgageholder's right to
recover the full amount of the
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mortgageholder's claim will
not be impaired.

At our option, we may pay to the
mortgageholder the whole principal on
the mortgage plus any accrued interest.

In this event, your mortgage and note
will be transferred to us and you will
pay your remaining mortgage debt to
us.
f. If we cancel this policy, we will give
written notice to the mortgageholder at
least:
(1) 10 days before the effective date of
cancellation if we cancel for your
nonpayment of premium; or
(2) 30 days before the effective date of
cancellation if we cancel for any
other reason.
g. If we elect not to renew this policy, we
will give written notice to the
mortgageholder at least 10 days before
the expiration date of this policy.

3. No Benefit to Bailee
No person or organization, other than you,
having custody of Covered Property will
benefit from this insurance.

4. Policy Period, Coverage Territory
Under SECTION I - PROPERTY:
a. We cover loss or damage commencing:
(1) During the policy period shown in
the Declarations; and
(2) Within the coverage territory or, with
respect to property "in transit", while
it is between points in the coverage
territory.
b. The coverage territory is:
(1) The United States of America
(including its territories and
possessions);
(2) Puerto Rico; and
(3) Canada.

5. Protective Devices
a. If you received a discount to the
property premium of this policy because
of the existence of one of the following
protective devices, you are required to
maintain that protective device.

Existence of an applicable protective
devices credit can be found on the
Declarations Page.
b. Protective devices include Automatic
Sprinkler Systems including related
supervisory services, Automatic Fire
Alarms and Central Station Security
Alarms.
c. We will not pay for loss or damage
caused by a Covered Cause of Loss
which a device is intended to protect
against if you:
(1) Knew of any suspension or
impairment in any protective device
and failed to notify us of that fact; or
(2) Failed to maintain any protective
device over which you had control in
complete working order.

If part of an Automatic Sprinkler System
is shut off due to breakage, leakage,
freezing conditions or opening of
sprinkler heads, notification to us will not
be necessary if you can restore full
protection within 48 hours.

6. Increase in Hazard
We will not pay for loss or damage when
there has been a material increase in hazard
that is within your knowledge or control. This
condition applies to any and all portions of a
claim.

G. Property Definitions

1. "Accident"
a. "Accident" means a fortuitous event that
causes direct physical damage to
"covered equipment". The event must be
one of the following:
(1) Mechanical breakdown, including
rupture or bursting caused by
centrifugal force;
(2) Artificially generated electrical
current, including electric arcing, that
disturbs electrical devices, appliances
or wires;
(3) Explosion of steam boilers, steam
pipes, steam engines or steam
turbines owned or leased by you, or
operated under your control;
(4) Loss or damage to steam boilers,
steam pipes, steam engines or steam
turbines caused by or resulting from
any condition or event inside such
equipment; or
(5) Loss or damage to hot water boilers
or other water heating equipment
caused by or resulting from any
condition or event inside such boilers
or equipment.
b. None of the following is an "accident”:
(1) Defect, programming error,
programming limitation, computer
virus, malicious code, loss of data,
loss of access, loss of use, loss of
functionality or other condition within
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or involving data or "media" of any
kind; or
(2) Misalignment, miscalibration,
tripping off-line, or any condition
which can be corrected by
resetting, tightening, adjusting or
cleaning, or by the performance of
maintenance.

However, if an "accident" results, we
will pay for the resulting loss, damage
or expense caused by that "accident".

2. "Antique” or "antiques" means an object
having value because its:
a. Craftsmanship is in the style or fashion
of former times; and
b. Age is 100 years old or older.

3. "Cloud computing services" means
professional, on-demand, self-service data
storage or data processing services
provided through the Internet or over
telecommunications lines. This includes
services known as laaS (infrastructure as a
service), PaaS (platform as a service),
Saas (software as a service) and NaaS
(network as a service). This includes
business models know as public clouds,
community clouds and hybrid clouds.
"Cloud computing services" include private
clouds if such services are owned and
operated by a third party.

4. "Computer equipment" means:
a. "Hardware" and related component
parts. Component parts include but are
not limited to modems, routers,
printers, keyboards, monitors, and
scanners;
b. "Software"; and
c. "Protection and control equipment".
"Computer equipment" does not mean
"Computer equipment" used to operate
production-type machinery or equipment.

5. "Computer hacking" means an
unauthorized intrusion by an individual or
group of individuals, whether employed by
you or not, into "hardware" or "software",
a Web site, or a computer network and
that results in but is not limited to:
a. Deletion, destruction, generation, or
modification of "software";
b. Alteration, contamination, corruption,
degradation, or destruction of the
integrity, quality or performance of
"software";
c. Observation, scanning, or copying of
"electronic data", "programs and
applications", and "proprietary
programs";
d. Damage, destruction, inadequacy,
malfunction, degradation, or corruption
of any "hardware" or "media" used
with "hardware"'; or
e. Denial of access to or denial of
services from "hardware", "software",
computer network, or Web site
including related "software".

6. "Computer program" means a set of
related electronic instructions, which direct
the operation and function of a computer
or devices connected to it, which enable
the computer or devices to receive,
process, store or send "electronic data".

7. "Computer Virus" means the introduction
into "hardware", "software", computer
network, or Web site of any malicious,
self-replicating electronic data processing
code or other code and that is intended to
result in, but is not limited to:
a. Deletion, destruction, generation, or
modification of "software";
b. Alteration, contamination, corruption,
degradation, or destruction of the
integrity, quality, or performance of
"software";
c. Damage, destruction, inadequacy,
malfunction, degradation, or corruption
of any "hardware" or "media" used
with "hardware"; or
d. Denial of access to or denial of
services from "hardware", "software",
computer network, or Web site
including related "software".

8. "Counterfeit money" means an imitation of
"money" that is intended to deceive and to
be taken as genuine.

9. "Covered equipment" means Covered
Property which, during normal usage,
operates under vacuum or pressure, other
than the weight of its contents, or that
generates, transmits or utilizes energy.
"Covered equipment" may utilize
conventional design and technology or
new or newly commercialized design and
technology.
"Covered equipment" does not include:
a. Structure, foundation, cabinet or
compartment;
b. Insulating or refractory material;
c. Sewer piping, buried vessels or piping,
or piping forming a part of a sprinkler
or fire suppression system;
d. Water piping other than
boiler feedwater piping, boiler
condensate return piping or
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water piping forming a part of a
refrigerating or air conditioning system;
e. Dragline, excavation equipment or
construction equipment;
f. Vehicle, meaning any machine or
apparatus that is used for transportation
or moves under its own power or any
equipment mounted on a vehicle. Vehicle
includes but is not limited to: car, truck,
bus, trailer, train, aircraft, watercraft,
forklift, bulldozer, tractor or harvester.

However, any property that is stationary,
permanently installed at a covered
location and that receives electrical
power from an external power supplier
will not be considered a vehicle;
g. Equipment manufactured by you for sale
or
h. Satellite, spacecraft or any equipment
mounted on a satellite or spacecraft.

10. "Data" means a representation of
information, knowledge, facts, concepts or
instructions which are being processed or
have been processed in "computer
equipment".

11. "Data records" means files, documents and
information in an electronic format and that
are stored within "electronic data".

12. "Denial of service attack" means the
malicious direction or a high volume of
worthless inquiries to website or e-mail
destinations, effectively denying or limiting
legitimate access regardless of whether or
not damage to "computer equipment" results.

13. "Dependent property" or "dependent
properties" means the property owned by
others whom you depend upon to:
a. Deliver materials or services to you or to
others for your account. But services do
not mean water supply services,
wastewater removal services,
communication supply services or power
supply services;
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.

The "dependent property" must be
located in the coverage territory of this
Coverage Form.

14. "Discover" or "Discovered" means:
a. The time when you first become aware of
facts which would cause a reasonable
person to assume that a loss of a type
covered by this policy has been or will be
incurred, regardless of when the act or
acts causing or contributing to such
loss occurred, even though the exact
amount or details may not be known.
b. "Discover" or "Discovered" also means
the time when you first receive notice
of an actual or potential claim in which
it is alleged that you are liable to a
third party under circumstances which,
if true, would constitute a loss under
this policy.

15. "Electronic circuitry" means microelectronic
components, including but not limited to
circuit boards, integrated circuits, computer
chips and disk drives.

16. "Electronic circuitry impairment"
a. "Electronic circuitry impairment" means
a fortuitous event involving "electronic
circuitry" within "covered equipment"
that causes the "covered equipment" to
suddenly lose its ability to function as it
had been functioning immediately
before such event. This definition is
subject to the conditions specified in b.,
c. and d. below.
b. We shall determine that the reasonable
and appropriate remedy to restore such
"covered equipment's" ability to
function is the replacement of one or
more "electronic circuitry" components
of the "covered equipment."
c. The "covered equipment" must be
owned or leased by you, or operated
under your control.
d. None of the following is an "electronic
circuitry impairment":
(1) Any condition that can be
reasonably remedied by:
(a) Normal maintenance, including
but not limited to replacing
expendable parts, recharging
batteries or cleaning;
(b) Rebooting, reloading or
updating software or firmware;
or
(c) Providing necessary power or
supply.
(2) Any condition caused by or related
to:
(a) Incompatibility of the "covered
equipment" with any software
or equipment installed,
introduced or networked within
the prior 30 days; or
(b) Insufficient size, capability or
capacity of the "covered
equipment."
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(3) Exposure to adverse environmental
conditions, including but not limited
to change in temperature or
humidity, unless such conditions
result in an observable loss of
functionality. Loss of warranty shall
not be considered an observable
loss of functionality.

17. "Electronic data" means files, documents,
information and "programs and
applications" in an electronic format and
that are stored on "media".

18. "Electronic Vandalism" means "computer
hacking", "computer virus" or a "denial of
service attack". "Electronic vandalism"
does not include the "theft" of any property
or services.

19. "Employee" or "employees" means:
a. Any natural person or persons:
(1) While in your service and for 30
days after termination of service;
and
(2) Who you compensate directly by
salary, wages or commissions; and
(3) Who you have the right to direct
and control while performing
services for you;
b. Any natural person who is furnished
temporarily to you:
(1) To substitute for a permanent
employee, as defined in paragraph
a. above, who is on leave; or
(2) To meet seasonal or short-term
workload conditions;
c. Any natural person or persons who is
leased to you under a written
agreement between you and a labor
leasing firm, to perform duties related
to the conduct of your business, but
does not mean a temporary "employee"
as defined in paragraph b. above;
d. Any natural person who is a former
"employee", partner, "manager",
director or trustee retained as a
consultant while performing services
for you; or
e. Any natural person who is a guest
student or intern pursuing studies or
duties, excluding, however, any such
person while having care and custody
or property outside the described
premises;
f. Any natural person who is:
(1) A trustee, officer, employee,
administrator or manager, except
an administrator or manager who is
an independent contractor, of any
"employee benefit plan"; and
(2) A director or trustee of yours
while that person is engaged in
handling "funds" or "other
property" of any "employee
benefit plan";
"Employee" does not mean any
agent, broker, factor, commission
merchant, consignee, independent
contractor or representative of the
same general character not specified
in paragraph 14. of this section.

20. "Financial institution" means:
a. With regard to SECTION I -
PROPERTY, A. Coverage, 5.

Additional Coverage, s. Money and
Securities:
(1) A bank, savings bank, savings
and loan association, trust
company, credit union or similar
depository institution; or
(2) An insurance company.
b. SECTION I - PROPERTY, A. Coverage,

5. Additional Coverage, hh. Computer
and Funds Transfer Fraud:
(1) A bank, savings bank, savings
and loan association, trust
company, credit union or similar
depository institution;
(2) An insurance company; or
(3) A stock brokerage firm or
investment company.
c. Other than SECTION I - PROPERTY,
A. Coverage, 5. Additional Coverages,
s. Money and Securities and hh.

Computer and Funds Transfer Fraud,
any financial institution.

21. "Fine arts" means paintings, etchings,
pictures, tapestries, rare art glass, art
glass windows, valuable rugs, statuary,
sculptures, "antique" jewelry, bric-a-brac,
porcelains and similar property of rarity,
historical value or artistic merit.

22. "Finished stock" means stock you have
manufactured. "Finished stock" also
includes whiskey and alcoholic products
being aged.
"Finished stock" does not include "stock"
you have manufactured that is held for
sale on the premises of any retail outlet.

23. "Flood" means a general and temporary
condition of partial or complete
inundation of normally dry land areas
due to:
a. Surface water or waves, tides, tidal
waves, tsunami, overflow of any body
of water or their spray, all whether
driven by wind or not (including
storm surge);
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b. The unusual or rapid accumulation of
runoff of surface waters from any
source;
c. Mudslides or mudflows which are
caused by "flood" water. A mudslide
or mudflow involves a river of liquid
and flowing mud on the surface of
normally dry land areas as when
earth is carried by a current of water
and deposited along the path of the
current.
d. The release of water impounded by a
dam, levee, dike, seawall or "flood"
control device, whether driven by
wind or not (including storm surge).

When a "flood" is a continuous or
protracted event it will constitute a
single "flood" occurrence.

24. "Forgery" means the signing of the name
of another person or organization with
intent to deceive; it does not mean a
signature which consists in whole or in
part of one's own name signed with or
without authority, in any capacity, for any
purpose.

25. "Fraudulent instruction" means:
a. An electronic, telegraphic, cable,
teletype, tele facsimile or telephone
instruction which purports to have
been transmitted by you, but which
was in fact fraudulently transmitted by
someone else without your knowledge
or consent;
b. A written instruction (other than those
described in SECTION I PROPERTY,
A. Coverage, 5. Additional Coverages,
k. Forgery or Alteration) issued by
you, which was forged or altered by
someone other than you without your
knowledge or consent or which
purports to have been issued by you,
but was in fact fraudulently issued
without your knowledge or consent.

26. "Funds" means "money" and "securities".

27. "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".

28. "Hardware" means a network of
electronic machine components
(microprocessors) capable of accepting
instructions and information, processing
the information according the instructions,
and producing desired results. "Hardware"
includes but is not limited to:
a. Mainframe and mid-range computers
and servers;
b. Personal computers and workstations;
c. Portable electronic devices. Portable
electronic devices include laptops,
tablets, e-readers, smartphones or
other lightweight, hand-held or
wearable devices capable of storing,
retrieving and processing data; and
d. Peripheral data processing
equipment, including but not limited
to printers, keyboards, monitors, and
modems.
"Hardware" does not mean electronic
items that are not similar to the items
listed in a., b., c. and .d. above.
"Hardware" does not include:
e. Diagnostic equipment;
f. Electronic items that contain a
computer to perform functions other
than "hardware"; and
g. Peripheral data processing
equipment valued more than the
"hardware" itself.

29. "Hazardous substance" means any
substance that is hazardous to health or
has been declared to be hazardous to
health by a governmental agency.

30. "In transit" means in the course of
shipment from or to the premises shown
in the Declarations. It includes such
shipments while temporarily stopped or
delayed, incidental to the delivery.

31. "Manager" or "managers" means a
person or persons serving in a directorial
capacity for a limited liability company
(LLC).

32. "Media" means an instrument that is
used with "hardware" and on which
"electronic data", "programs and
applications", and "proprietary programs"
can be recorded or stored. "Media"
includes, but is not limited to, films,
tapes, cards, discs, drums, cartridges,
cells, DVDs, CD-ROMs and other portable
data devices.

33. "Member" or "Members" means an
owner of a limited liability company
represented by its membership interest,
who also may serve as a "manager".

34. "Messenger" means you, or a relative of
yours, or any of your partners or
"members", or any "employee" while
having care and custody of property away
from the described premises.

35. "Money" means:
a. Currency, coins and bank notes in
current use and having a face value;
b. Traveler's checks and money orders
held for sale to the public; and
c. In addition, includes:
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(1) For the purposes of SECTION I -
PROPERTY, A. Coverage, 5.

Additional Coverages, p. Employee
Theft including ERISA Compliance
and k. Forgery or Alteration,
deposits in your account at any
"financial institution"; and
(2) For the purposes of SECTION I -
PROPERTY, A.Coverage, 5. Additional
Coverage hh. Computer and Funds
Transfer Fraud, deposits in your
account at a "financial institution" as
defined in SECTION I - PROPERTY, G.

Property Definitions , paragraph 19.b..

36. "One equipment breakdown" means: If an
initial "accident" or "electronic circuitry
impairment" causes other "accidents" or
"electronic circuitry impairments," all will
be considered "one equipment breakdown."
All "accidents" or "electronic circuitry
impairments" that are the result of the
same "accident" or "electronic circuitry
impairment" will be considered "one
equipment breakdown."

37. "Operations" means your business
activities occurring at the described
premises.

38. "Other property" means tangible property
other than "money" and "securities" that
has intrinsic value. "Other property" does
not include computer programs,
"electronic data" or any property
specifically excluded under this Coverage
Form.

39. "Payment processing device" means any
electronic device used to process credit,
debit or charge card transactions,
including but not limited to, digital pen pad
devices, PIN pad devices, Automatic Teller
Machines (ATMs), credit card processing
machines.

40. "Payroll expense":
a. Means payroll expenses for all your
"employees" except:
(1) Officers;
(2) Executive;
(3) Department Managers;
(4) "Employees" under contract; and
(5) Additional Exemptions shown in
the Declarations as:
(a) Job classifications; or
(b) "Employees".
b. Includes:
(1) Payroll;
(2) Employee Benefits, if directly
related to payroll;
(3) FICA payments you pay;
(4) Union dues you pay; and
(5) Workers' Compensation premiums.

41. "Period of Restoration"
a. Means the period of time that:
(1) Begins:
(a) After the number of hours
shown as the Business Income
Waiting Period in the
Declarations after the time of
direct physical loss or damage
for Business Income Coverage;
or
(b) Immediately after the time of
direct physical loss or damage
for Extra Expense Coverage;
caused by or resulting from any
Covered Cause of Loss at the
described premises; and
(2) Ends on the earlier of:
(a) The date when the property at
the described premises should
be repaired, rebuilt or replaced
(to a condition permitting
occupancy) with reasonable
speed and similar quality; or
(b) The date when business is
resumed at a new permanent
location; or
(c) Exhaustion of the number of
consecutive months as shown
on the Policy Declarations
Page.
b. Does not include any increased period
required due to the enforcement of any
ordinance or law that:
(1) Regulates the construction, use or
repair, or requires the tearing
down of any property; or
(2) Requires any insured or others to
test for, monitor, clean up, remove,
contain, treat, detoxify or
neutralize, or in any way respond
to or assess the effects of
"pollutants".

The expiration date of this policy will
not cut short the "period of
restoration".

42. "Perishable goods" means personal
property:
a. Maintained under controlled
temperature or humidity conditions for
preservation; and
b. Susceptible to loss or damage if the
controlled temperature or humidity
conditions change.
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43. "Pollutants" means any solid, liquid,
gaseous or thermal irritant or contaminant,
including smoke, vapor, soot, fumes, acids,
alkalis, chemicals and waste. Waste
includes materials to be recycled,
reconditioned or reclaimed.

44. "Programs and applications" means
operating programs and applications that
you purchase and that are:
a. Stored on "media"; or
b. Pre-installed and stored in "hardware".

Applications include, but are not limited to,
programs for word processing,
spreadsheet calculations, and graphic
design.

45. "Proprietary programs" means proprietary
operating programs and applications that
you developed or that you had developed
specifically for use in your "operations"
and that are:
a. Stored on "media"; or
b. Installed and stored in "hardware".

46. "Protection and control equipment" means:
a. Air conditioning or other cooling
equipment used exclusively in the
operation of the "hardware";
b. Fire protection equipment used for the
protection of the "hardware", including
automatic and manual fire suppression
equipment and smoke and heat
detectors; and
c. Uninterruptible power supply system,
line conditioner, and voltage regulator.

47. "Rental Value" means Business Income
that consists of:
a. New Income (Net Profit or Loss before
income taxes) that would have been
earned or incurred as rental income
from tenant occupancy of the premises
described in the Declarations as
furnished and equipped by you,
including fair rental value of any
portion of the described premises
which is occupied by you; and
b. Continuing normal operating expenses
incurred in connection with that
premises, including:
(1) Payroll; and
(2) The amount of charges which are
the legal obligation of the tenant(s)
but would otherwise be your
obligations.

48. "Securities" means negotiable and
non-negotiable instruments or contracts
representing either "money" or "other
property" and includes:
a. Tokens, tickets, revenue and other stamps
(whether represented by actual stamps or
unused value in a meter) in current use;
and
b. Evidences of debt issued in connection
with credit or charge cards, which cards
are not issued by you;
but does not include "money".

49. "Software" means;
a. "Media";
b. "Electronic Data";
c. "Programs and applications"; and
d. "Proprietary programs".

50. "Specified Causes of Loss" means the
following:

Fire; lightning; explosion, windstorm or hail;
smoke; aircraft or vehicles; riot or civil
commotion; vandalism; leakage from fire
extinguishing equipment; sinkhole collapse;
volcanic action; falling objects; weight of snow,
ice or sleet; water damage.
a. Sinkhole collapse means the sudden
sinking or collapse of land into
underground empty spaces created by the
action of water on limestone or dolomite.

This cause of loss does not include:
(1) The cost of filling sinkholes; or
(2) Sinking or collapse of land into
man-made underground cavities.
b. Falling objects does not include loss of or
damage to:
(1) Personal property in the open; or
(2) The interior of a building or structure,
or property inside a building or
structure, unless the roof or an outside
wall of the building or structure is first
damaged by a falling object.
c. Water damage means
(1) Accidental discharge or leakage of
water or steam as the direct result of
the breaking apart or cracking of any
part of a system or appliance (other
than a sump system including its
related equipment and parts)
containing water or steam; and
(2) Accidental discharge or leakage of
water or waterborne material as the
direct result of the breaking apart or
cracking of a water or sewer pipe that
is located off the described premises
and is part of a municipal potable
water supply system or municipal
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sanitary sewer system, if the
breakage or cracking is caused by
wear or tear.

But water damage does not include
loss or damage otherwise excluded in
SECTION I - PROPERTY, B. Exclusions,
paragraph 1. g. Water.. Therefore, for
example, there is no coverage in the
situation in which discharge or leakage
of water results from breaking apart of
cracking of a pipe which was caused by
or related to weather-induced "flood"
water, even if wear and tear contributed
to the breakage or cracking. As another
example, and also in accordance with
the terms of the Water Exclusion, there
is no coverage for loss or damage
caused by or related to
weather-induced "flood" water which
follows or is exacerbated by pipe
breakage or cracking attributable to
wear and tear.

To the extent that accidental discharge
or leakage of water falls within the
criteria set forth in paragraphs (1) or (2)
above of this definition of "specified
causes of loss", such water is not
subject to the provisions of SECTION I -
PROPERTY, B. Exclusions, paragraph

1., g. Water, which preclude coverage
for surface water or water under the
ground surface.

51. "Stock" means merchandise held in storage
or for sale, raw materials and in process or
finished goods, including supplies used in
their packing or shipping.

52. "Suspension" means:
a. The partial slowdown or complete
cessation of your business activities; or
b. Part or all of the described premises is
rendered untenantable, if coverage for
Business Income applies.

53. "Telephonic services" means use of your:
a. Telephone services;
b. Telephone credit cards; or
c. Telephone access cards.

54. "Theft" means the unlawful taking of
property to the deprivation of the Insured.

55. "Transfer account" means an account
maintained by you at a financial institution
from which you can initiate the transfer,
payment or delivery of "money" and
"securities" by means of:
a. Electronic, telegraphic, cable, teletype,
telefacsimile or telephone instructions
communicated directly through an
electronic funds transfer system; or
b. Written instructions (other than those
described in SECTION I - PROPERTY, A.

Coverage, 5. Additional Coverages, k.

Forgery or Alteration) establishing the
conditions under which such transfers are
to be initiated by such financial institution
through an electronic funds transfer
system.

56. "Valuable papers and records" means:
a. Inscribed, printed or written:
(1) Documents;
(2) Manuscripts; and
(3) Records;
including abstracts, books, deeds,
drawings, films, maps or mortgages;
b. If you are a Printer, Publisher or Graphic
Artist by trade, "valuable papers and
records" means negatives, positives,
artwork, separations, plates, dies, molds,
forms, stock manuscripts and other similar
property usual to the graphic arts, printing
or publishing industry, including those
which exist on electronic or magnetic
"media", other than prepackaged software
programs.

But "valuable papers and records" does not
mean "money" or "securities".

SECTION II - LIABILITY
A. Coverages

1. Business Liability
a. We will pay those sums the insured
becomes legally obligated to pay as
damages because of "bodily injury",
"property damage" or "personal and
advertising injury" to which this insurance
applies. We will have the right and duty to
defend the insured against any "suit"
seeking those damages. However, we will
have no duty to defend the insured against
any "suit" seeking damages for "bodily
injury", "property damage" or "personal
and advertising injury", to which this
insurance does not apply. We may, at our
discretion, investigate any "occurrence" or
any offense and settle any claim or "suit"
that may result. But:
(1) The amount we will pay for damages
is limited as described in SECTION II-
LIABILITY, D - Liability and Medical
Expenses Limits of Insurance; and
(2) Our right and duty to defend end when
we have used up the applicable
Limit of Insurance in the payment of
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judgments, settlements or medical
expenses.

No other obligation or liability to pay
sums or perform acts or services is
covered unless explicitly provided for
under f. Coverage Extension
Supplementary Payments.
b. This insurance applies:
(1) To "bodily injury" and "property
damage" only if:
(a) The "bodily injury" or "property
damage" is caused by an
"occurrence" that takes place in
the "coverage territory";
(b) The "bodily injury" or "property
damage" occurs during the
policy period; and
(c) Prior to the policy period, no
insured listed under C. Who Is
An Insured, paragraph 1. and no
"employee" authorized by you to
give or receive notice of an
"occurrence" or claim knew that
the "bodily injury" or "property
damage" had occurred, in whole
or in part. If such a listed
insured or authorized
"employee" knew, prior to the
policy period, that the "bodily
injury" or "property damage"
occurred, then any continuation,
change or resumption of such
"bodily injury" or "property
damage" during or after the
policy period will be deemed to
have been known prior to the
policy period.
(2) To "personal and advertising injury"
caused by an offense arising out of
your business, but only if the offense
was committed in the "coverage
territory" during the policy period.
c. "Bodily injury" or "property damage"
which occurs during the policy period
and was not, prior to the policy period,
known to have occurred by any insured
listed under C. Who Is An Insured,
paragraph 1. or any "employee"
authorized by you to give or receive
notice of an "occurrence" or claim,
includes any continuation, change or
resumption of "bodily injury" or
"property damage" after the end of the
policy period.
d. "Bodily injury" or "property damage" will
be deemed to have been known to have
occurred at the earliest time when any
insured listed under C. Who Is An
Insured, Paragraph 1. or any "employee"
authorized by you to give or receive
notice of an "occurrence" or claim:
(1) Reports all or any part of the
"bodily injury" or "property
damage" to us or any other
insurer;
(2) Receives a written or verbal
demand or claim for damages
because of the "bodily injury" or
"property damage"; or
(3) Becomes aware by any other
means that "bodily injury" or
"property damage" has occurred
or has begun to occur.
e. Damages because of "bodily injury"
include damages claimed by any
person or organization for care, loss
of services or death resulting at any
time from the "bodily injury".
f. Coverage Extension - Supplementary
Payments
(1) We will pay, with respect to any
claim we investigate or settle, or
any "suit" against an insured we
defend:
(a) All expenses we incur.
(b) Up to $2500 for cost of bail
bonds required because of
accidents or traffic law
violations arising out of the
use of any vehicle to which
Business Liability Coverage
for "bodily injury" applies. We
do not have to furnish these
bonds.
(c) The cost of bonds to release
attachments, but only for
bond amounts within our
Limit of Insurance. We do not
have to furnish these bonds.
(d) All reasonable expenses
incurred by the insured at our
request to assist us in the
investigation or defense of
the claim or "suit", including
actual loss of earnings up to
$500 a day because of time
off from work.
(e) All court costs taxed against
the insured in the "suit".

However, these payments do
not include attorneys' fees or
attorneys' expenses taxed
against the insured.
(f) Prejudgment interest
awarded against the insured
on that part of the judgment
we pay. If we make an offer to
pay the Limit of Insurance,
we will not pay any
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prejudgment interest based on
that period of time after the
offer.
(g) All interest on the full amount
of any judgment that accrues
after entry of the judgment and
before we have paid, offered
to pay, or deposited in court
the part of the judgment that is
within our Limit of Insurance.

These payments will not reduce
the Limit of Insurance described in
SECTION II - LIABILITY, D.Liability
and Medical Expenses Limits of
Insurance.
(2) If we defend an insured against a
"suit" and an indemnitee of the
insured is also named as a party
to the "suit", we will defend that
indemnitee if all of the following
conditions are met:
(a) The "suit" against the
indemnitee seeks damages for
which the insured has
assumed the liability of the
indemnitee in a contract or
agreement that is an "insured
contract";
(b) This insurance applies to such
liability assumed by the
insured;
(c) The obligation to defend, or
the cost of the defense of, that
indemnitee, has also been
assumed by the insured in the
same "insured contract";
(d) The allegations in the "suit"
and the information we know
about the "occurrence" are
such that no conflict appears
to exist between the interests
of the insured and the
interests of the indemnitee;
(e) The indemnitee and the
insured ask us to conduct and
control the defense of that
indemnitee against such "suit"
and agree that we can assign
the same counsel to defend
the insured and the
indemnitee; and
(f) The indemnitee:
(i) Agrees in writing to:
1) Cooperate with us in
the investigation,
settlement or defense
of the "suit";
2) Immediately send us
copies of any
demands, notices,
summonses or
legal papers received in
connection with the
"suit";
3) Notify any other insurer
whose coverage is
available to the
indemnitee; and
4) Cooperate with us with
respect to coordinating
other applicable
insurance available to
the indemnitee; and
(ii) Provides us with written
authorization to:
1) Obtain records and
other information related
to the "suit"; and
2) Conduct and control the
defense of the
indemnitee in such
"suit".

So long as the above conditions
are met, attorneys' fees
incurred by us in the defense of
that indemnitee, necessary
litigation expenses incurred by
us and necessary litigation
expenses incurred by the
indemnitee at our request will
be paid as Supplementary
Payments. Notwithstanding the
provisions of SECTION II -
LIABILITY, B. Exclusions, 1.

Applicable to Business Liability
Coverage, b. Contractual
Liability, paragraph (2), such
payments will not be deemed to
be damages for "bodily injury"
and "property damage" and will
not reduce the limits of
insurance.

Our obligation to defend an
insured's indemnitee and to pay for
attorneys' fees and necessary
litigation expenses as
Supplementary Payments ends
when:
(g) We have used up the applicable
Limit of Insurance in the
payment of judgments or
settlements; or
(h) The conditions set forth above,
or the terms of the agreement
described in Paragraph (2)(f)
above are no longer met.

2. Medical Expenses
a. We will pay medical expenses as
described below for "bodily injury"
caused by an accident:
(1) On premises you own or rent;
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(2) On ways next to premises you
own or rent; or
(3) Because of your operations;
provided that:
(a) The accident takes place in
the "coverage territory" and
during the policy period;
(b) The expenses are incurred
and reported to us within one
year of the date of the
accident; and
(c) The injured person submits to
examination, at our expense,
by physicians of our choice as
often as we reasonably
require.
b. We will make these payments
regardless of fault. These payments
will not exceed the applicable Limits
of Insurance as described in D.

Liability and Medical Expenses Limits
of Insurance.
c. We will pay reasonable expenses for:
(1) First aid administered at the time
of an accident;
(2) Necessary medical, surgical, x-ray
and dental services, including
prosthetic devices; and
(3) Necessary ambulance, hospital,
professional nursing and funeral
services.

B. Exclusions

1. Applicable To Business Liability Coverage
This insurance does not apply to:
a. Expected or Intended Injury
"Bodily injury" or "property damage"
expected or intended from the
standpoint of the insured. This
exclusion does not apply to "bodily
injury" resulting from the use of
reasonable force to protect persons or
property.
b. Contractual Liability
"Bodily injury" or "property damage"
for which the insured is obligated to
pay damages by reason of the
assumption of liability in a contract or
agreement. This exclusion does not
apply to liability for damages:
(1) That the insured would have in the
absence of the contract or
agreement; or
(2) Assumed in a contract or
agreement that is an "insured
contract", provided the "bodily
injury" or "property damage"
occurs subsequent to the
execution of the contract or
agreement. Solely for the
purposes of liability assumed in
an "insured contract", reasonable
attorney fees and necessary
litigation expenses incurred by or
for a party other than an insured
are deemed to be damages
because of "bodily injury" or
"property damage", provided:
(a) Liability to such party for, or
for the cost of, that party's
defense has also been
assumed in the same
"insured contract"; and
(b) Such attorney fees and
litigation expenses are for
defense of that party against
a civil or alternative dispute
resolution proceeding in
which damages to which this
insurance applies are
alleged.
c. Liquor Liability
"Bodily injury" or "property damage"
for which any insured may be held
liable by reason of:
(1) Causing or contributing to the
intoxication of any person;
(2) The furnishing of alcoholic
beverages to a person under the
legal drinking age or under the
influence of alcohol; or
(3) Any statute, ordinance or
regulation relating to the sale,
gift, distribution or use of
alcoholic beverages.

This exclusion applies even if the
claims against any insured allege
negligence or other wrongdoing in:
(4) The supervision, hiring,
employment, training or
monitoring of others by that
insured; or
(5) Providing or failing to provide
transportation with respect to any
person that may be under the
influence of alcohol;
if the "occurrence" which caused the
"bodily injury" or "property damage",
involved that which is described in
paragraphs (1), (2) or (3) above.

However, this exclusion applies only
if you are in the business of
manufacturing, distributing, selling,
serving or furnishing alcoholic
beverages.

For the purpose of this exclusion,
permitting a person to bring
alcoholic beverages on your
premises for consumption on your
premises, whether or
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not a fee is charged or a license is
required for such activity, is not by
itself considered the business of
selling, serving or furnishing alcoholic
beverages.
d. Workers' Compensation and Similar
Laws
Any obligation of the insured under a
workers' compensation, disability
benefits or unemployment
compensation law or any similar local,
state, federal or foreign law or
regulation.
e. Employer's Liability
"Bodily Injury" to:
(1) An "employee" of the insured
arising out of and in the course of:
(a) Employment by the insured; or
(b) Performing duties related to
the conduct of the insured's
business; or
(2) The spouse, child, parent, brother
or sister of that "employee" as a
consequence of paragraph (1)
above.

This exclusion applies:
(3) Whether the insured may be liable
as an employer or in any other
capacity; and
(4) To any obligation to share
damages with or repay someone
else who must pay damages
because of the injury.

This exclusion does not apply to
liability assumed by the insured under
an "insured contract”.
f. Pollution
(1) "Bodily injury" or "property
damage" arising out of the actual,
alleged or threatened discharge,
dispersal, seepage, migration,
release or escape of "pollutants":
(a) At or from any premises, site
or location, which is or was at
any time owned or occupied
by, or rented or loaned to, any
insured. However, this
subparagraph does not apply
to:
(i) "Bodily injury" if sustained
within a building and
caused by smoke, fumes,
vapor or soot produced by
or originating from
equipment that is used to
heat, cool or dehumidify
the building, or equipment
that is used to heat water
for personal use, by the
Hanover
Insurance Group-
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building's occupants or their
guests;
(ii) "Bodily injury" or "property
damage" for which you may
be held liable, if you are a
contractor and the owner or
lessee of such premises, site
or location has been added to
your policy as an additional
insured with respect to your
ongoing operations
performed for that additional
insured at that premises, site
or location and such
premises, site or location is
not and never was owned or
occupied by, or rented or
loaned to, any insured, other
than that additional insured;
or
(iii) "Bodily injury" or "property
damage" arising out of heat,
smoke or fumes from a
"hostile fire";
(b) At or from any premises, site or
location which is or was at any
time used by or for any insured
or others for the handling,
storage, disposal, processing or
treatment of waste;
(c) Which are or were at any time
transported, handled, stored,
treated, disposed of, or
processed as waste by or for:
(i) Any insured; or
(ii) Any person or organization
for whom you may be legally
responsible; or
(d) At or from any premises, site or
location on which any insured or
any contractors or subcontractors
working directly or indirectly on
any insured's behalf are
performing operations if the
"pollutants" are brought on or to
the premises, site or location in
connection with such operations
subcontractor.by such insured,However,contractorthisor
subparagraph does not apply to:
(i) "Bodily injury" or "property
damage" arising out of
the escape of fuels,
lubricants or other operating
fluids which are needed to
perform the normal electrical,
hydraulic or
mechanical functions
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necessary for the operation
of "mobile equipment" or
its parts, if such fuels,
lubricants or other
operating fluids escape
from a vehicle part
designed to hold, store or
receive them. This
exception does not apply if
the "bodily injury" or
"property damage" arises
out of the intentional
discharge, dispersal or
release of the fuels,
lubricants or other
operating fluids, or if such
fuels, lubricants or other
operating fluids are
brought on or to the
premises, site or location
with the intent that they be
discharged, dispersed or
released as part of the
operations being
performed by such
insured, contractor or
subcontractor;
(ii) "Bodily injury" or "property
damage" sustained within
a building and caused by
the release of gases,
fumes or vapors from
materials brought into that
building in connection with
operations being
performed by you or on
your behalf by a contractor
or subcontractor; or
(iii) "Bodily injury" or "property
damage" arising out of
heat, smoke or fumes from
a "hostile fire".
(e) At or from any premises, site
or location on which any
insured or any contractors or
subcontractors working
directly or indirectly on any
insured's behalf are
performing operations if the
operations are to test for,
monitor, clean up, remove,
contain, treat, detoxify or
neutralize, or in any way
respond to, or assess the
effects of, "pollutants".
(2) Any loss, cost or expense arising
out of any:
(a) Request, demand, order or
statutory or regulatory
requirement that any insured
or others test for, monitor,
clean up, remove, contain,
treat, detoxify or neutralize, or
in any way respond to, or
assess the effects of,
"pollutants"; or
(b) Claim or "suit" by or on behalf
of a governmental authority for
damages because of testing
for, monitoring, cleaning up,
removing, containing, treating,
detoxifying or neutralizing, or
in any way responding to, or
assessing the effects of,
"pollutants".

However, this paragraph does not
apply to liability for damages
because of "property damage" that
the insured would have in the
absence of such request, demand,
order or statutory or regulatory
requirement or such claim or
"suit" by or on behalf of a
governmental authority.
g. Aircraft, Auto or Watercraft
(1) Unmanned Aircraft
"Bodily injury", "property damage"
or "personal and advertising injury"
arising out of the ownership,
maintenance, use or entrustment
to others of any aircraft that is an
"unmanned aircraft". Use includes
operation and "loading and
unloading".

This paragraph g. (1) applies even
if the claims against any insured
allege negligence or other
wrongdoing in the supervision,
hiring, employment, training or
monitoring of others by that
insured, if the "occurrence" which
caused the "bodily injury" or
"property damage" or the offense
which caused the "personal and
advertising injury" involved the
ownership, maintenance, use or
entrustment to others of any
aircraft that is an "unmanned
aircraft".

This paragraph g. (1) does not
apply to:
(a) The use of another's
advertising idea in your
"advertisement"; or
(b) Infringing upon another's
copyright, trade dress or
slogan in your
"advertisement".
(2) Aircraft (Other Than Unmanned
Aircraft), Auto or Watercraft
"Bodily injury" or "property
damage" arising out of the
ownership, maintenance, use or
entrustment to others of any
aircraft (other than "unmanned
aircraft"), "auto" or watercraft
owned or operated by or rented or
loaned to any insured. Use
includes operation and "loading or
unloading".
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This paragraph g. (2) applies even
if the claims against any insured
allege negligence or other
wrongdoing in the supervision,
hiring, employment, training or
monitoring of others by that
insured, if the "occurrence" which
caused the "bodily injury" or
"property damage" or the offense
which caused the "personal and
advertising injury" involved the
ownership, maintenance, use or
entrustment to others of any
aircraft (other than "unmanned
aircraft"), "auto" or watercraft that
is owned or operated by or rented
or loaned to any insured.

This paragraph g. (2) does not
apply to:
(a) A watercraft while ashore on
premises you own or rent;
(b) A watercraft you do not own
that is:
(i) Less than 51 feet long; and
(ii) Not being used to carry
persons or property for a
charge;
(c) Parking an "auto" on, or on
the ways next to, premises
you own or rent, provided the
"auto" is not owned by or
rented or loaned to you or the
insured;
(d) Liability assumed under any
"insured contract" for the
ownership, maintenance or
use of aircraft (other than
"unmanned-aircraft") or
watercraft; or
(e) "Bodily injury" or "property
damage" arising out of:
(i) The operation of
machinery or equipment
that is attached to, or part
of, a land vehicle that
would qualify under the
definition of "mobile
equipment" if it were not
subject to a compulsory or
financial responsibility law
or other motor vehicle
insurance or motor vehicle
registration law where it is
licensed or principally
garaged; or
(ii) The operation of any of the
following machinery or
equipment:
1) Cherry pickers and
similar devices
mounted on
automobile or truck
Hanover
Insurance Group..

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chassisraise andor usedlowerto
workers; and
2) Air compressors,
pumps and generators,
including spraying,
welding, building
cleaning, geophysical
exploration, lighting
and well-servicing
equipment; or
(f) An aircraft (other than
"unmanned aircraft") that is:
(i) Chartered by, loaned to, or
hired by you with a paid
crew; and
(ii) Not owned by any insured.
h. Mobile Equipment
"Bodily injury" or "property damage"
arising out of:
(1) The transportation of "mobile
equipment”by an "auto" owned or
operated by or rented or loaned to
any insured; or
(2) The use of "mobile equipment" in,
or while in practice for, or while
being prepared for, any
prearranged racing, speed,
demolition or stunting activity.
i. War
"Bodily injury", "property damage" or
"personal and advertising injury",
however caused, arising, directly or
indirectly, out of:
(1) War, including undeclared or civil
war;
(2) Warlike action by a military force,
including action in hindering or
defending against an actual or
expected attack, by any
government, sovereign or other
authority using military personnel
or other agents; or
(3) Insurrection, rebellion, revolution,
usurped power, or action taken by
government authority in hindering
or defending against any of these.
j. Professional Services
"Bodily injury", "property damage",
"personal and advertising injury"
caused by the rendering of or failure
to render any professional service,
advice or instruction:
(1) By you; or
(2) On your behalf; or
(3) From whom any of you assumed
liability by reason of a contract or
agreement,
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regardless of whether any such
service, advice or instruction is
ordinary to any insured's profession.

Professional services include but are
not limited to:
(4) Legal, accounting or advertising
services, notary, title abstract, tax
preparation, real estate,
stockbroker, publishing, architects
or insurance services;
(5) Preparing, approving, or failing to
prepare or approve maps,
drawings, opinions, reports,
surveys, change orders, designs
or specifications;
(6) Supervisory, inspection or
engineering services;
(7) Medical, surgical, dental, x-ray or
nursing services treatment, advice
or instruction;
(8) Any health or therapeutic service
treatment, advice or instruction;
(9) Any service, treatment, advice or
instruction for the purpose of
appearance or skin enhancement,
hair removal or replacement or
personal grooming, including use
or exposure to any sun lamp,
tanning booth or other similar
appliance;
(10)Optometry or optical or hearing
aid services including the
prescribing, preparation, fitting,
demonstration or distribution of
ophthalmic lenses and similar
products or hearing aid devices;
(11)Body piercing services;
(12) Services in the practice of
pharmacy;
(13)Management, Human Resource,
Testing, Media or Public Relations
consulting services.

This exclusion applies even if a claim
alleges negligence or other
wrongdoing in the supervision, hiring,
employment, training or monitoring of
others by an insured, if the
"occurrence" which caused the "bodily
injury" or "property damage", or the
offense which caused the "personal
and advertising injury", involved the
rendering of or failure to render any
professional service.
k. Damage to Property
"Property damage" to:
(1) Property you own, rent or occupy,
including any costs or expenses
incurred by you, or any other
person, organization or entity, for
repair, replacement,
enhancement, restoration or
maintenance of such property for
any reason, including prevention
of injury to a person or damage to
another's property;
(2) Premises you sell, give away or
abandon, if the "property damage"
arises out of any part of those
premises;
(3) Property loaned to you;
(4) Personal property in the care,
custody or control of the insured;
(5) That particular part of real
property on which you or any
contractor or subcontractor
working directly or indirectly on
your behalf is performing
operations, if the "property
damage" arises out of those
operations; or
(6) That particular part of any
property that must be restored,
repaired or replaced because
"your work" was incorrectly
performed on it.

Paragraphs (1), (3) and (4) of this
exclusion do not apply to "property
damage" (other than damage by fire)
to premises, including the contents of
such premises, rented to you for a
period of 7 or fewer consecutive days.

A separate Limit of Insurance applies
to Damage to Premises Rented to You
as described in SECTION II
LIABILITY, D. Liability and Medical
Expenses Limit Of Insurance.

Paragraph (2) of this exclusion does
not apply if the premises are "your
work" and were never occupied,
rented or held for rental by you.

Paragraphs (3), (4), (5) and (6) of this
exclusion do not apply to liability
assumed under a sidetrack
agreement.

Paragraph (6) of this exclusion does
not apply to "property damage"
included in the "products - completed
operations hazard".

I. Damage to Your Product
"Property damage" to "your product"
arising out of it or any part of it.
m. Damage to Your Work
"Property damage" to "your work"
arising out of it or any part of it and
included in the "products - completed
operations hazard".

This exclusion does not apply if the
damaged work or the work out of which
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the damage arises was performed on
your behalf by a subcontractor.
n. Damage to Impaired Property or
Property Not Physically Injured
"Property damage" to "impaired
property" or property that has not
been physically injured, arising out of:
(1) A defect, deficiency, inadequacy
or dangerous condition in "your
produce or "your work"; or
(2) A delay or failure by you or
anyone acting on your behalf to
perform a contract or agreement
in accordance with its terms.

This exclusion does not apply to the
loss of use of other property arising
out of sudden and accidental physical
injury to "your product" or "your work"
after it has been put to its intended
use.
o. Recall of Products, Work or Impaired
Property
Damages claimed for any loss, cost or
expense incurred by you or others for
the loss of use, withdrawal, recall,
inspection, repair, replacement,
adjustment, removal or disposal of:
(1) "Your product";
(2) "Your work"; or
(3) "Impaired property";
if such product, work or property is
withdrawn or recalled from the market
or from use by any person or
organization because of a known or
suspected defect, deficiency,
inadequacy or dangerous condition in
it.
p. Aircraft Products, Grounding and
Testing
(1) "Aircraft products " or reliance
upon any representation or
warranty made with such product;
(2) The "grounding" of any aircraft; or
(3) The "testing" of any aircraft.

For purposes of this Exclusion, the
following definitions apply:
(4) "Aircraft Products" means:
(a) Aircraft, including but not
limited to missiles, spacecraft,
or any other aircraft goods or
products you manufacture,
sell, handle or distribute;
(b) Aircraft and any ground
support or control equipment
used in connection therewith;
(c) Any product provided by the
insured and installed or used
in connection with any aircraft;
(d) Any tooling used in respect to
any aircraft;
(e) Training and navigational aids,
instructions, manuals,
blueprints, engineering or
other data in connection with
any aircraft;
(f) Any advice, service or labor
supplied with any aircraft; or
(g) Services you or others trading
under your name provide or
recommend for use in the
manufacture, repair,
operation, maintenance or use
of any aircraft.
(5) "Grounding" means the
withdrawal of one or more aircraft
from flight operations or the
imposition of speed, passenger or
load restrictions on such aircraft,
due to the existence of or alleged
or suspected existence of any
defect, fault or condition:
(a) In such aircraft or any part
sold, handled or distributed by
you or that is manufactured,
assembled or processed by
any other person or
organization according to your
specifications, plans,
suggestions, orders or
drawings; or
(b) With tools, machinery or other
equipment furnished to such
persons or organizations by
you;
whether such withdrawn aircraft
are owned or operated by the
same or different persons or
organizations.
"Grounding" shall be deemed to
commence on the date of an
"occurrence" which discloses the
necessity of "grounding" or on the
date an aircraft is first withdrawn
from service because of such
condition, whichever comes first.
(6) "Testing" means examination,
observation, evaluation or
measuring of the performance of
"aircraft products", while either in
the air or on the ground.
q. Distribution of Material in Violation of
Statutes
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"Bodily injury", "property damage" or
"personal and advertising injury"
arising directly or indirectly out of any
action or omission that violates or is
alleged to violate:
(1) The Telephone Consumer
Protection Act (TCPA), including
any amendment of or addition to
such law; or
(2) The CAN-SPAM Act of 2003,
including any amendment of or
addition to such law; or
(3) The Fair Credit Reporting Act
(FCRA), and any amendment of or
addition to such law, including the
Fair and Accurate Credit
Transaction Act (FACTA); or
(4) Any other laws, statutes
ordinances or regulations, that
address, prohibit, or limit the
printing, dissemination, disposal,
collecting, recording, sending,
transmitting, communicating or
distribution of material or
information.
r. Access Or Disclosure Of Confidential
Or Personal Information And
Data-related Liability
Damages arising out of:
(1) Any access to or disclosure of any
person's or organization's
confidential or personal
information, including patents,
trade secrets, processing
methods, customer lists, financial
information, credit card
information, health information or
any other type of nonpublic
information; or
(2) The loss of, loss of use of, damage
to, corruption of, inability to
access, or inability to manipulate
electronic data.

This exclusion applies even if
damages are claimed for notification
costs, credit monitoring expenses,
forensic expenses, public relations
expenses or any other loss, cost or
expense incurred by you or others
arising out of that which is described
in paragraphs (1) or (2) above.

However, unless paragraph (1) above
applies, this exclusion does not apply
to damages because of "bodily injury".

As used in this exclusion, electronic
data means information, facts or
computer programs stored as or on,
created or used on, or transmitted to
or from computer software including
systems and applications software), on
hard or floppy disks, CD-ROMs, tapes,
drives, cells, data processing
devices or any other repositories of
computer software which are used
with electronically controlled
equipment. The term computer
programs, referred to in the
foregoing description of electronic
data, means a set of related
electronic instructions which direct
the operations and functions of a
computer or device connected to it,
which enable the computer or
device to receive, process, store,
retrieve or send data.

Exclusions c., d., e., g., h., and k., I., m.,
n. and o. above do not apply to damage
to premises while rented to you or
temporarily occupied by you with
permission of the owner. A separate
Damage to Premises Rented to You
Limit of Insurance applies to this
coverage as described in SECTION II -
LIABILITY, D. Liability and Medical
Expenses Limits of Insurance.

2. Additional Exclusions Applicable Only to
"Personal and Advertising Injury"
This insurance does not apply to:
a. Knowing Violation of Rights of
Another
"Personal and advertising injury"
caused by or at the direction of the
insured with the knowledge that the
act would violate the rights of
another and would inflict "personal
and advertising injury".
b. Material Published With Knowledge
of Falsity
"Personal and advertising injury"
arising out of oral or written
publication, in any manner, of
material, if done by or at the
direction of the insured with
knowledge of its falsity.
c. Material Published Prior to Policy
Period
"Personal and advertising injury"
arising out of oral or written
publication, in any manner, of
material whose first publication took
place before the beginning of the
policy period.
d. Criminal Acts
"Personal and advertising injury"
arising out of a criminal act
committed by or at the direction of
the insured.
e. Contractual Liability
"Personal and advertising injury" for
which the insured has assumed
liability in a contract or agreement.

This exclusion does not apply to
liability for damages that the insured
would have in the absence of the
contract or agreement.
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f. Breach of Contract
"Personal and advertising injury"
arising out of a breach of contract,
except an implied contract to use
another's advertising idea in your
"advertisement".
g. Quality or Performance of
Goods-Failure to Conform to
Statements
"Personal and advertising injury"
arising out of the failure of goods,
products or services to conform with
any statement of quality or
performance made in your
"advertisement".
h. Wrong Description of Prices
"Personal and advertising injury"
arising out of the wrong description of
the price of goods, products or
services stated in your
"advertisement".
i. Insureds in Media and Internet Type
Businesses
"Personal and advertising injury"
committed by an insured whose
business is:
(1) Advertising, broadcasting,
publishing or telecasting;
(2) Designing or determining content
of web-sites for others; or
(3) An Internet search, access,
content or service provider.

However, this exclusion does not
apply to F. Liability and Medical
Expenses Definitions, 15. "Personal and
Advertising Injury", paragraphs a., b.
and c.

For the purposes of this exclusion, the
placing of frames, borders or links, or
advertising, for you or others
anywhere on the Internet, is not by
itself considered the business of
advertising, broadcasting, publishing
or telecasting.
j. Pollution
"Personal and advertising injury"
arising out of the actual, alleged or
threatened discharge, dispersal,
seepage, migration, release or escape
of "pollutants" at any time.
k. Pollution-Related
Any loss, cost or expense arising out
of any:
(1) Request, demand, order or
statutory or regulatory requirement
that any insured or others test for,
monitor, clean-up, remove, contain,
treat, detoxify or
neutralize, or in any way
respond to, or assess the effects
of, "pollutants"; or
Hanover
Insurance Group-
ODF9926346 13
6/1/2025 to 6/1/2026
(2) Claim or "suit" by or on behalf of
a governmental authority for
damages because of testing for,
monitoring, cleaning up,
removing, containing, treating,
detoxifying or neutralizing, or in
any way responding to, or
assessing the effects of,
"pollutants".

I. Electronic Chatrooms or Bulletin
Boards
"Personal and advertising injury"
arising out of an electronic chatroom
or bulletin board the insured hosts,
owns or over which the insured
exercises control.
m. Infringement of Copyright, Patent,
Trademark or Trade Secret
"Personal and advertising injury"
arising out of the infringement of
copyright, patent, trademark, trade
secret or other intellectual property
rights. Under this exclusion, such
other intellectual property rights do
not include the use of another's
advertising idea in your
"advertisement".

However, this exclusion does not
apply to infringement, in your
"advertisement", of copyright, trade
dress or slogan.
n. Unauthorized Use of Another's Name
of Product
"Personal and advertising injury"
arising out of the unauthorized use
of another's name or product in your
e-mail address, domain name or
metatags, or any other similar
tactics to mislead another's potential
customers.

3. Additional Exclusions Applicable to
Medical Expenses Coverage Only
We will not pay expenses for "bodily
injury":
a. Any Insured
To any insured, except "volunteer
workers".
b. Hired Person
To a person hired to do work for or
on behalf of any insured or a tenant
of any insured.
c. Injury on Normally Occupied
Premises
To a person injured on that part of
premises you own or rent that the
person normally occupies.
d. Workers' Compensation and Similar
Laws
To"employee"a person, whetherof or notanyan
insured, if benefits for
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the "bodily injury" are payable or
must be provided under a workers'
compensation or disability benefits
law or a similar law.
e. Athletic Activities
To a person injured while practicing,
instructing or participating in any
physical exercises or games, sports
or athletic contests.
f. Products-Completed Operations
Hazard
Included within the "products -
completed operations hazard".
g. Otherwise Excluded
Otherwise Excluded under SECTION
II - LIABILITY, B. Exclusions, 1.

Applicable To Business Liability
Coverage.

4. Additional Exclusions Applicable To Both
Business Liability Coverage and Medical
Expenses Coverage:

Nuclear Energy Liability Exclusion
This insurance does not apply:
(1) Under Business Liability Coverage,
to "bodily injury" or "property
damage":
(a) With respect to which an insured
under the policy is also an
insured under a nuclear energy
liability policy issued by the
Nuclear Energy Liability
Insurance Association, Mutual
Atomic Energy Liability
Underwriters or Nuclear
Insurance Association of
Canada, or would be an insured
under any such policy but for its
termination upon exhaustion of
its limit of liability; or
(b) Resulting from the "hazardous
properties" of "nuclear material"
and with respect to which:
(i) Any person or organization
is required to maintain
financial protection pursuant
to the Atomic Energy Act of
1954, or any law amendatory
thereof; or
(ii) The insured is, or had this
policy not been issued would
be, entitled to indemnity
from the United States of
America, or any agency
thereof, under any
agreement entered into by
the United States of
America, or any agency
thereof, with any person or
organization.
(2) Under Medical Expenses Coverage,
to expenses incurred with respect to
"bodily injury" resulting from the
"hazardous properties" of "nuclear
material" and arising out of the
operation of a "nuclear facility" by
any person or organization.
(3) Under Business Liability Coverage,
to "bodily injury" or "property
damage" resulting from the
"hazardous properties" of the
"nuclear material"; if:
(a) The "nuclear material":
(i) Is at any "nuclear facility"
owned by, or operated by or
on behalf of, an insured; or
(ii) Has been discharged or
dispersed therefrom;
(b) The "nuclear material" is
contained in "spent fuel" or
"waste" at any time possessed,
handled, used, processed,
stored, transported or disposed
of by or on behalf of an insured;
or
(c) The "bodily injury" or "property
damage" arises out of the
furnishing by an insured of
services, materials, parts or
equipment in connection with the
planning, construction,
maintenance, operation or use of
any "nuclear facility"; but if such
facility is located within the
United States of America, its
territories or possessions or
Canada, this Exclusion (3)
applies only to "property
damage" to such "nuclear
facility" and any property
thereat.
(4) As used in this exclusion:
(a) "By-product material" has the
meaning given it in the Atomic
Energy Act of 1954 or in any law
amendatory thereof;
(b) "Hazardous properties" include
radioactive, toxic or explosive
properties;
(c) "Nuclear facility" means:
(i) Any "nuclear reactor";
(ii) Any equipment or device
designed or used for:
1) Separating the isotopes
of uranium or plutonium;
2) Processing or utilizing
"spent fuel"; or
3) Handling, processing or
packaging "waste”;
(iii) Any equipment or device
used for the processing,
fabricating or alloying of
"special nuclear material" if
at any time the total amount
of such material in the
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custody of the insured at the
premises where such
equipment or device is located
consists of or contains more
than 25 grams of plutonium or
uranium 233 or any
combination thereof, or more
than 250 grams of uranium
235;
(iv) Any structure, basin,
excavation, premises or place
prepared or used for the
storage or disposal of "waste";
and includes the site on which any
of the foregoing is located, all
operations conducted on such site
and all premises used for such
operations;
(d) "Nuclear material" means "source
material", "special nuclear
material" or "by-product material";
(e) "Nuclear reactor" means any
apparatus designed or used to
sustain nuclear fission in a
self-supporting chain reaction or
to contain a critical mass of
fissionable material;
(f) "Property damage" includes all
forms of radioactive contamination
of property.
(g) "Source material" has the
meaning given it in the Atomic
Energy Act of 1954 or in any law
amendatory thereof;
(h) "Special nuclear material" has the
meaning given it in the Atomic
Energy Act of 1954 or in any law
amendatory thereof;
(i) "Spent fuel" means any fuel
element or fuel component, solid
or liquid, which has been used or
exposed to radiation in a "nuclear
reactor";
(j) "Waste" means any waste
material:
(i) Containing "by-product
material" other than the
tailings or wastes produced by
the extraction or concentration
of uranium or thorium from
any ore processed primarily
for its "source material"
content; and
(ii) Resulting from the operation
by any person or organization
of any "nuclear facility"
included under paragraphs (i)
and (ii) of the definition of
"nuclear facility".

C. Who Is An Insured

1. If you are designated in the Declarations
as:

Hanover
Insurance Group-
ODF9926346 13
6/1/2025 to 6/1/2026
a. An individual, you and your spouse
are insureds, but only with respect to
the conduct of a business of which
you are the sole owner.
b. A partnership or joint venture, you
are an insured. Your members, your
partners and their spouses are also
insureds, but only with respect to the
conduct of your business.
c. A limited liability company, you are
an insured. Your members are also
insureds, but only with respect to the
conduct of your business. Your
managers are insureds, but only with
respect to their duties as your
managers.
d. An organization other than a
partnership, joint venture or limited
liability company, you are an insured.

Your "executive officers" and
directors are insureds, but only with
respect to their duties as your
officers or directors. Your
stockholders are also insureds, but
only with respect to their liability as
stockholders.
e. A trust, you are an insured. Your
trustees are also insureds, but only
with respect to their duties as
trustees.

2. Each of the following is also an insured:
a. Your "volunteer workers" only while
performing duties related to the
conduct of your business, or your
"employees", other than either your
"executive officers" (if you are an
organization other than a
partnership, joint venture or limited
liability company) or your managers
(if you are a limited liability
company), but only for acts within the
scope of their employment by you or
while performing duties related to the
conduct of your business. However,
none of these "employees" or
"volunteer workers" are insureds for:
(1) "Bodily injury" or "personal and
advertising injury":
(a) To you, to your partners or
members (if you are a
partnership or joint venture),
to your members (if you are a
limited liability company), or
to a co-"employee" while in
the course of his or her
employment or performing
duties related to the conduct
of your business, or to your
other "volunteer workers"
while performing duties
related to the conduct of your
business ;
(b) To the spouse, child, parent,
brother or sister of that co-391-1003 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 71 of 81

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"employee" as a consequence
of paragraph (1) (a) above;
(c) For which there is any
obligation to share damages
with or repay someone else
who must pay damages
because of the injury
described in paragraphs (1)(a)
or (1)(b); or
(d) Arising out of his or her
providing or failing to provide
professional services.
(2) "Property damage" to property:
(a) Owned, occupied or used by;
or
(b) Rented to, in the care, custody
or control of, or over which
physical control is being
exercised for any purpose by;
you, any of your "employees",
"volunteer workers", any partner
or member (if you are a
partnership or joint venture), or
any member (if you are a limited
liability company).
b. Any person (other than your
"employee" or "volunteer worker") or
any organization while acting as your
real estate manager.
c. Any person or organization having
proper temporary custody of your
property if you die, but only:
(1) With respect to liability arising out
of the maintenance or use of that
property; and
(2) Until your legal representative has
been appointed.
d. Your legal representative if you die,
but only with respect to duties as
such. That representative will have all
your rights and duties under this
policy.

3. Any organization you newly acquire or
form, acquire or form, other than a
partnership, joint venture or limited
liability company, and over which you
maintain ownership or majority interest,
will qualify as a Named Insured if there is
no other similar insurance available to
that organization. However:
a. Coverage under this provision is
afforded only until the 90th day after
you acquire or form the organization
or the end of the policy period,
whichever is earlier; and
b. Business Liability Coverage does not
apply to:
(1) "Bodily injury" or "property
damage" that occurred before you
acquired or formed the
organization; and
(2) "Personal and advertising injury"
arising out of an offense
committed before you acquired
or formed the organization.

No person or organization is an insured with
respect to the conduct of any current or past
partnership, joint venture or limited liability
company that is not shown as a Named
Insured in the Declarations.

D. Liability and Medical Expenses Limits of
Insurance

1. The Limits of Insurance under SECTION
II - LIABILITY shown in the Declarations
and the rules below fix the most we will
pay regardless of the number of:
a. Insureds;
b. Claims made or "suits" brought; or
c. Persons or organizations making
claims or bringing "suits”.

2. Subject to the Aggregate Limit identified
in paragraph 5. below, the most we will
pay for the sum of all damages because
of all:
a. "Bodily injury", "property damage"
and medical expenses arising out of
any one "occurrence"; and
b. "Personal and advertising injury"
sustained by any one person or
organization;
is the Liability And Medical Expenses
Limit shown in the Declarations.

3. Subject to the Liability And Medical
Expenses Limit, the most we will pay for
all medical expenses because of "bodily
injury" sustained by any one person is
the Medical Expenses Limit shown in the
Declarations.

4. The Damage to Premises Rented to You
Limit shown in the Declarations is the
most we will pay for damages because
of "property damage" to any one
premises while rented to you, or
temporarily occupied by you with
permission of the owner.

5. Aggregate Limits
a. The most we will pay for:
(1) All "bodily injury" and "property
damage" that is included in the
"products-completed operations
hazard" is twice the Liability And
Medical Expenses Limit.
(2) All:
(a) "Bodily injury" and "property
damage" except damages
because of "bodily injury" and
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"property damage" included
in the "products-completed
operations hazard";
(b) Plus medical expenses;
(c) Plus all "personal and
advertising injury" caused by
offenses committed;
is twice the Liability And Medical
Expenses Limit.
b. The Aggregate Limits of Insurance
apply separately to each of your
"locations" owned by or rented to you.
"Location" means premises involving
the same or connecting lots, or
premises whose connection is
interrupted only by a street, roadway,
waterway or right-of-way of a railroad.

6. The Limits of Insurance of SECTION II -
LIABILITY apply separately to each
consecutive annual period and to any
remaining period of less than 12 months,
starting with the beginning of the policy
period shown in the Declarations, unless
the policy period is extended after
issuance for an additional period of less
than 12 months. In that case, the
additional period will be deemed part of
the last preceding period for purposes of
determining the Limits of Insurance.

E. Liability and Medical Expenses General
Conditions

1. Bankruptcy
Bankruptcy or insolvency of the insured or
of the insured's estate will not relieve us
of our obligations under this Coverage
Part.

2. Duties in the Event of Occurrence,
Offense, Claim or Suit
a. You must see to it that we are notified
as soon as practicable of an
"occurrence" or an offense which may
result in a claim. To the extent
possible, notice should include:
(1) How, when and where the
"occurrence" or offense took
place;
(2) The names and addresses of any
injured persons and witnesses;
and
(3) The nature and location of any
injury or damage arising out of the
"occurrence" or offense.
b. If a claim is made or "suit" is brought
against any insured, you must:
(1) Immediately record the specifics
of the claim or "suit" and the date
received; and
(2) Notify us as soon as practicable.

Hanover
Insurance Group-
ODF9926346 13
6/1/2025 to 6/1/2026
You must see to it that we receive
written notice of the claim or "suit"
as soon as practicable.
c. You and any other involved insured
must:
(1) Immediately send us copies of
any demands, notices,
summonses or legal papers
received in connection with the
claim or "suit";
(2) Authorize us to obtain records
and other information;
(3) Cooperate with us in the
investigation, or settlement of
the claim or defense against the
"suit"; and
(4) Assist us, upon our request, in
the enforcement of any right
against any person or
organization that may be liable
to the insured because of injury
or damage to which this
insurance may also apply.
d. No insured will, except at that
insured's own cost, voluntarily make
a payment, assume any obligation,
or incur any expense, other than for
first aid, without our consent.

3. Legal Action Against Us
No person or organization has a right
under this Coverage Part:
a. To join us as a party or otherwise
bring us into a "suit" asking for
damages from an insured; or
b. To sue us on this policy unless all of
its terms have been fully complied
with.

A person or organization may sue us to
recover on an agreed settlement or on a
final judgment against an insured; but
we will not be liable for damages that
are not payable under the terms of this
policy or that are in excess of the
applicable Limit of Insurance. An agreed
settlement means a settlement and
release of liability signed by us, the
insured and the claimant or the
claimant's legal representative.

4. Separation of Insureds
Except with respect to the Limits of
Insurance under SECTION II
LIABILITY, and any rights or duties
specifically assigned in this Coverage
Part to the first Named Insured, this
insurance applies:
a. As if each Named Insured were the
only Named Insured; and
b. Separately to each insured against
whom claim is made or "suit" is
brought.391-1003 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 73 of 81

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F. Liability and Medical Expenses Definitions

1. "Advertisement" means a notice that is
broadcast or published to the general
public or specific market segments about
your goods, products or services for the
purpose of attracting customers or
supporters. For the purposes of this
definition:
a. Notices that are published include
material placed on the Internet or on
similar electronic means of
communication; and
b. Regarding websites, only that part of a
website that is about your goods,
products or services for the purposes
of attracting customers or supporters
is considered an advertisement.

2. "Auto" means:
a. A land motor vehicle, trailer or
semitrailer designed for travel on
public roads, including any attached
machinery or equipment; or
b. Any other land vehicle that is subject
to a compulsory or financial
responsibility law or other motor
vehicle insurance law in the state
where it is licensed or principally
garaged.

However, "auto" does not include "mobile
equipment".

3. "Bodily injury" means bodily injury,
sickness or disease sustained by a
person, including death resulting from any
of these at any time. "Bodily injury"
includes mental anguish or other mental
injury resulting from "bodily injury".

4. "Coverage territory" means:
a. The United States of America
(including its territories and
possessions), Puerto Rico and
Canada;
b. International waters or airspace, but
only if the injury or damage occurs in
the course of travel or transportation
between any places included in
Paragraph a. above; or
c. All other parts of the world if the injury
or damage arises out of:
(1) Goods or products made or sold
by you in the territory described in
paragraph a. above;
(2) The activities of a person whose
home is in the territory described
in paragraph a. above, but is away
for a short time on your business;
or
(3) "Personal and advertising injury"
offenses that take place through
the Internet or similar electronic
means of communication;
provided the insured's responsibility
to pay damages is determined in a
"suit" on the merits in the territory
described in paragraph a. above or
in a settlement we agree to.

5. "Employee" includes a "leased worker".
"Employee" does not include a
"temporary worker".

6. "Executive officer" means a person
holding any of the officer positions
created by your charter, constitution,
by-laws or any other similar governing
document.

7. "Hostile fire" means one which becomes
uncontrollable or breaks out from where
it was intended to be.

8. "Impaired property" means tangible
property, other than "your product" or
"your work", that cannot be used or is
less useful because:
a. It incorporates "your product" or
"your work" that is known or thought
to be defective, deficient, inadequate
or dangerous; or
b. You have failed to fulfill the terms of
a contract or agreement;
if such property can be restored to use
by the repair, replacement, adjustment
or removal of "your product" or "your
work", or your fulfilling the terms of the
contract or agreement.

9. "Insured contract" means:
a. A contract for a lease of premises.

However, that portion of the contract
for a lease of premises that
indemnifies any person or
organization for damage to premises
while rented to you or temporarily
occupied by you with permission of
the owner is not an "insured
contract";
b. A sidetrack agreement;
c. Any easement or license agreement,
except in connection with
construction or demolition
operations on or within 50 feet of a
railroad;
d. An obligation, as required by
ordinance, to indemnify a
municipality, except in connection
with work for a municipality;
e. An elevator maintenance agreement;
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.
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Tort liability means a liability that
would be imposed by law in the
absence of any contract or agreement.

Paragraph f. does not include that part
of any contract or agreement:
(1) That indemnifies a railroad for
"bodily injury" or "property
damage" arising out of
construction or demolition
operations, within 50 feet of any
railroad property and affecting any
railroad bridge or trestle, tracks,
road beds, tunnel, underpass or
crossing;
(2) That indemnifies an architect,
engineer or surveyor for injury or
damage arising out of:
(a) Preparing, approving or failing
to prepare or approve maps,
drawings, opinions, reports,
surveys, change orders,
designs or specifications; or
(b) Giving directions or
instructions, or failing to give
them, if that is the primary
cause of the injury or damage;
or
(3) Under which the insured, if an
architect, engineer or surveyor,
assumes liability for an injury or
damage arising out of the
insured's rendering or failure to
render professional services,
including those listed in paragraph
(2) above and supervisory,
inspection or engineering
services.

10. "Leased worker" means a person leased
to you by a labor leasing firm under an
agreement between you and the labor
leasing firm, to perform duties related to
the conduct of your business. "Leased
worker" does not include a "temporary
worker".

11. "Loading or unloading" means the
handling of property:
a. After it is moved from the place where
it is accepted for movement into or
onto an aircraft, watercraft or "auto";
b. While it is in or on an aircraft,
watercraft or "auto"; or
c. While it is being moved from an
aircraft, watercraft or "auto" to the
place where it is finally delivered;
but "loading or unloading" does not
include the movement of property by
means of a mechanical device, other than
a hand truck, that is not attached to the
aircraft, watercraft or "auto".

12. "Mobile equipment" means any of the
following types of land vehicles,
including any attached machinery or
equipment:

Hanover
Insurance Group-
ODF9926346 13
6/1/2025 to 6/1/2026
a. Bulldozers, farm machinery, forklifts
and other vehicles designed for use
principally off public roads;
b. Vehicles maintained for use solely
on or next to premises you own or
rent;
c. Vehicles that travel on crawler
treads;
d. Vehicles, whether self-propelled or
not, on which are permanently
mounted:
(1) Power cranes, shovels, loaders,
diggers or drills; or
(2) Road construction or resurfacing
equipment such as graders,
scrapers or rollers;
e. Vehicles not described in paragraphs
a., b., c. or d. above that are not
self-propelled and are maintained
primarily to provide mobility to
permanently attached equipment of
the following types:
(1) Air compressors, pumps and
generators, including spraying,
welding, building cleaning,
geophysical exploration, lighting
and well servicing equipment; or
(2) Cherry pickers and similar
devices used to raise or lower
workers;
f. Vehicles not described in paragraphs
a., b., c. or d. above maintained
primarily for purposes other than the
transportation of persons or cargo.

However, self-propelled vehicles with
the following types of permanently
attached equipment are not "mobile
equipment" but will be considered
"autos":
(1) Equipment designed primarily
for:
(a) Snow removal;
(b) Road maintenance, but not
construction or resurfacing;
or
(c) Street cleaning;
(2) Cherry pickers and similar
devices mounted on automobile
or truck chassis and used to
raise or lower workers; and
(3) Air compressors, pumps and
generators, including spraying,
welding, building cleaning,geophysical exploration, lightingand well servicing equipment.

However, "mobile equipment" does
not include any land vehicles that
are subject , to acompulsory or financial responsibility 391-1003 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 75 of 81

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law or other motor vehicle insurance
law in the state where they are
licensed or principally garaged. Land
vehicles subject to a compulsory or
financial responsibility law or other
motor vehicle insurance law are
considered "autos".

13. "Occurrence" means an accident,
including continuous or repeated
exposure to substantially the same
general harmful conditions.

14. "Personal and advertising injury" means
injury, including consequential "bodily
injury", arising out of one or more of the
following offenses:
a. False arrest, detention or
imprisonment;
b. Malicious prosecution;
c. The wrongful eviction from, wrongful
entry into, or invasion of the right of
private occupancy of a room, dwelling
or premises that a person occupies,
committed by or on behalf of its
owner, landlord or lessor;
d. Oral or written publication, in any
manner, of material that slanders or
libels a person or organization or
disparages a person's or
organization's goods, products or
services;
e. Oral or written publication, in any
manner, of material that violates a
person's right of privacy;
f. The use of another's advertising idea
in your "advertisement"; or
g. Infringing upon another's copyright,
trade dress or slogan in your
"advertisement".

15. "Pollutants" mean any solid, liquid,
gaseous or thermal irritant or
contaminant, including smoke, vapor,
soot, fumes, acids, alkalis, chemicals and
waste. Waste includes materials to be
recycled, reconditioned or reclaimed.

16. "Products - completed operations hazard":
a. Includes all "bodily injury" and
"property damage" occurring away
from premises you own or rent and
arising out of "your product" or "your
work" except:
(1) Products that are still in your
physical possession; or
(2) Work that has not yet been
completed or abandoned.

However, "your work" will be
deemed completed at the earliest
of the following times:
(a) When all of the work called for
in your contract has been
completed.
(b) When all of the work to be
done at the job site has
been completed if your
contract calls for work at
more than one job site.
(c) When that part of the work
done at the job site has
been put to its intended use
by any other person or
organization other than
another contractor or
subcontractor working on
the same project.

Work that may need service,
maintenance, correction, repair
or replacement, but which is
otherwise complete, will be
treated as completed.

The "bodily injury" or "property
damage" must occur away from
premises you own or rent,
unless your business includes
the selling, handling or
distribution of "your product" for
consumption on premises you
own or rent.
b. Does not include "bodily injury" or
"property damage" arising out of:
(1) The transportation of property,
unless the injury or damage
arises out of a condition in or on
a vehicle not owned or operated
by you, and that condition was
created by the "loading or
unloading" of that vehicle by any
insured; or
(2) The existence of tools,
uninstalled equipment or
abandoned or unused materials.

17. "Property damage”means:
a. Physical injury to tangible property,
including all resulting loss of use of
that property. All such loss of use
shall be deemed to occur at the time
of the physical injury that caused it;
or
b. Loss of use of tangible property that
is not physically injured. All such
loss of use shall be deemed to
occur at the time of the
"occurrence" that caused it.

For the purposes of this insurance,
electronic data is not tangible property.

As used in this definition, electronic
data means information, facts or
programs stored as, created or used on,
or transmitted to or from computer
software, including systems and
applications software, hard or floppy
disks, CD-ROMs, tapes, drives, cells,
data processing devices or any other
media which are used with
electronically controlled equipment.
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Hanover
Insurance Group..

ODF9926346 13
6/1/2025 to 6/1/2026

18. "Suit” means a civil proceeding in which
damages because of "bodily injury",
"property damage”, "personal and
advertising injury" to which this insurance
applies are alleged. "Suit" includes:
a. An arbitration proceeding in which
such damages are claimed and to
which the insured must submit or
does submit with our consent; or
b. Any other alternative dispute
resolution proceeding in which such
damages are claimed and to which
the insured submits with our consent.

19. "Temporary worker" means a person who
is furnished to you to substitute for a
permanent "employee" on leave or to
meet seasonal or short-term workload
conditions.

20. "Unmanned aircraft" means an aircraft
that is not:
a. Designed;
b. Manufactured; or
c. Modified after manufacture;
to be controlled directly by a person from
within or on the aircraft.

21. "Volunteer worker" means a person who
is not your "employee”, and who donates
his or her work and acts at the direction
of and within the scope of duties
determined by you, and is not paid a fee,
salary or other compensation by you or
anyone else for their work performed for
you.

22. "Your product”:
a. Means:
(1) Any goods or products, other than
real property, manufactured, sold,
handled, distributed or disposed
of by:
(a) You;
(b) Others trading under your
name; or
(c) A person or organization
whose business or assets you
have acquired; and
(2) Containers (other than vehicles),
materials, parts or equipment
furnished in connection with such
goods or products.
b. Includes:
(1) Warranties or representations
made at any time with respect to
the fitness, quality, durability,
performance or use of "your
product"; and
(2) The providing of or failure to
provide warnings or instructions.
c. Does not include vending machines
or other property rented to or located
for the use of others but not sold.

23. "Your work":
a. Means:
(1) Work or operations performed by
you or on your behalf; and
(2) Materials, parts or equipment
furnished in connection with such
work or operations.
b. Includes:
(1) Warranties or representations
made at any time with respect to
the fitness, quality, durability,
performance or use of "your
work"; and
(2) The providing of or failure to
provide warnings or instructions.

SECTION III - COMMON POLICY CONDITIONS
(APPLICABLE TO SECTION I - PROPERTY AND

SECTION II - LIABILITY)
A. Cancellation

1. The first Named Insured shown in the
Declarations may cancel this policy by
mailing or delivering to us advance
written notice of cancellation.

2. We may cancel this policy by mailing or
delivering to the first Named Insured
written notice of cancellation at least:
a. 5 days before the effective date of
cancellation if any one of the
following conditions exists at any
building that is Covered Property in
this policy:
(1) The building has been vacant or
unoccupied 60 or more
consecutive days. This does not
apply to:
(a) Seasonal unoccupancy; or
(b) Buildings in the course of
construction, renovation or
addition.

Buildings with 65% or more of
the rental units or floor area
vacant or unoccupied are
considered unoccupied under
this provision.
(2) After damage by a covered
cause of loss, permanent repairs
to the building:
(a) Have not started, and
(b) Have not been contracted for,
within 30 days of initial payment
of loss.
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(3) The building has:
(a) An outstanding order to
vacate;
(b) An outstanding demolition
order; or
(c) Been declared unsafe by
governmental authority.
(4) Fixed and salvageable items have
been or are being removed from
the building and are not being
replaced. This does not apply to
such removal that is necessary or
incidental to any renovation or
remodeling.
(5) Failure to:
(a) Furnish necessary heat, water,
sewer service or electricity for
30 consecutive days or more,
except during a period of
seasonal unoccupancy; or
(b) Pay property taxes that are
owed and have been
outstanding for more than one
year following the date due,
except that this provision will
not apply where you are in a
bona fide dispute with the
taxing authority regarding
payment of such taxes.
b. 10 days before the effective date of
cancellation if we cancel for
nonpayment of premium.
c. 30 days before the effective date of
cancellation if we cancel for any other
reason.

3. We will mail or deliver our notice to the
first Named Insured's last mailing address
known to us.

4. Notice of cancellation will state the
effective date of cancellation. The policy
period will end on that date.

5. If this policy is cancelled, we will send the
first Named Insured any premium refund
due. If we cancel, the refund will be pro
rata. If the first Named Insured cancels,
the refund may be less than pro rata. The
cancellation will be effective even if we
have not made or offered a refund.

6. If notice is mailed, proof of mailing will be
sufficient proof of notice.

B. Changes
This policy contains all the agreements
between you and us concerning the
insurance afforded. The first Named
Insured shown in the Declarations is
authorized to make changes in the terms
of this policy with our consent. This
policy's terms can be
amended or waived only by endorsement
issued by us and made a part of this policy.

C. Concealment, Misrepresentation or Fraud
This policy is void in any case of fraud by
you as it relates to this policy at any time. It
is also void if you or any other insured, at
any time, intentionally conceals or
misrepresents a material fact concerning:

1. This policy;

2. The Covered Property;

3. Your interest in the Covered Property;
or

4. A claim under this policy.

D. Examination of Your Books and Records
We may examine and audit your books and
records as they relate to this policy at any
time during the policy period and up to
three years afterward. We have the right to
make copies of these books and records.

E. Inspections and Surveys

1. We have the right but not the duty to:
a. Make inspections and surveys at
any time;
b. Give you reports on the conditions
we find; and
c. Recommend changes.

2. We are not obligated to make any
inspections, surveys, reports or
recommendations and any such actions
we do undertake relate only to
insurability and the premiums to be
charged. We do not make safety
inspections. We do not undertake to
perform the duty of any person or
organization to provide for the health or
safety of workers or the public. We do
not warrant that conditions:
a. Are safe and healthful; or
b. Comply with laws, regulations,
codes or standards.

3. Paragraphs 1. and 2. of this condition
apply not only to us, but also to any
rating, advisory, rate service or similar
organization which makes insurance
inspections, surveys, reports or
recommendations.

4. Paragraph 2. of this condition does not
apply to any inspections, surveys,
reports or recommendations we may
make relative to certification, under
state or municipal statutes, ordinances
or regulations, of boilers, pressure
vessels or elevators.

F. Insurance Under Two or More Coverages
If two or more of this policy's coverages
apply to the same loss or damage, you may
choose only one of these coverages to
apply to that loss.
391-1003 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 78 of 81

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1. SECTION I - PROPERTY, if two or more of
this coverage part's coverages apply to
the same loss or damage, we will not pay
more than the actual amount of the loss or
damage.

2. SECTION II - LIABILITY, it is our stated
intent that the various Coverage Parts,
forms, endorsements or policies issued to
the named insured by us, or any company
affiliated with us, do not provide any
duplication or overlap of coverage for the
same claim, "suit", "occurrence", offense,
accident, "wrongful act" or loss. We will
not pay more than the actual amount of
the loss or damage.

If this Coverage Part and any other
Coverage Part, form, endorsement or
policy issued to the named insured by us,
or any company affiliated with us, apply to
the same claim, "suit", occurrence,
offense, accident, "wrongful act" or loss,
the maximum Limit of Insurance under all
such Coverage Parts, forms,
endorsements or policies combined shall
not exceed the highest applicable Limit of
Insurance under any one Coverage Part,
form, endorsement or policy.

This condition does not apply to any
Excess or Umbrella Policy issued by us
specifically to apply as excess insurance
over this policy.

G. Liberalization
If we adopt any revision that would broaden
the coverage under this policy without
additional premium within 45 days prior to or
during the policy period, the broadened
coverage will immediately apply to this policy.

H. Other Insurance

1. SECTION I - PROPERTY
If there is other insurance covering the
same loss or damage, we will pay only for
the amount of covered loss or damage in
excess of the amount due from that other
insurance, whether you can collect on it or
not. But, we will not pay more than the
applicable Limit of Insurance of SECTION I
- PROPERTY.

2. SECTION II - LIABILITY
If other valid and collectible insurance is
available to the insured for a loss we
cover under SECTION II - LIABILITY, our
obligations are limited as follows:
a. Primary Insurance
This insurance is primary except when
paragraph b. below applies. If this
insurance is primary, our obligations
are not affected unless any of the
other insurance is also primary. Then,
we will share with all that other
insurance by the method described in
paragraph c. below.

Hanover
Insurance Group-
ODF9926346 13
6/1/2025 to 6/1/2026
However, if you agree in a written
contract, written agreement, or
written permit that the insurance
provided to any person or
organization included as an
Additional Insured under this
Coverage Part is primary and
non-contributory, we will not seek
contribution from any other
insurance available to that Additional
Insured which covers the Additional
Insured as a Named Insured except:
(1) For the sole negligence of the
Additional Insured; or
(2) When the Additional Insured is
an Additional Insured under
another liability policy.
b. Excess Insurance
This insurance is excess over:
(1) Any of the other insurance,
whether primary, excess,
contingent or on any other basis:
(a) That is Fire, Extended
Coverage, Builder's Risk,
Installation Risk or similar
coverage for "your work";
(b) That is Property Insurance for
premises rented to you or
temporarily occupied by you
with permission of the owner;
(c) That is insurance purchased
by you to cover your liability
as a tenant for "property
damage" to premises rented
to you or temporarily
occupied by you with
permission of the owner; or
(d) If the loss arises out of the
maintenance or use of
aircraft, "autos" or watercraft
to the extent not subject to

SECTION II - LIABILITY,
Exclusion g. Aircraft, Auto or
Watercraft; and
(2) Any other primary insurance
available to you covering liability
for damages arising out of the
premises or operations, or the
products and completed
operations, for which you have
been added as an additional
insured by attachment of an
endorsement.

When this insurance is excess, we
will have no duty under SECTION II -
LIABILITY to defend the insured
against any "suit" if any other
insurer has a duty to defend the
insured against that "suit". If no other
insurer defends, we will undertake to
do so, but we will be entitled to the391-1003 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 79 of 81

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insured's rights against all those other
insurers.
c. When this insurance is excess over other
insurance, we will pay only our share of
the amount of the loss, if any, that
exceeds the sum of:
(1) The total amount that all such other
insurance would pay for the loss in
the absence of this insurance; and
(2) The total of all deductible and
self-insured amounts under all that
other insurance.
d. We will share the remaining loss, if any,
with any other insurance that is not
described in this provision and was not
bought specifically to apply in excess of
the Limits of Insurance shown in the
Declarations for this Coverage.
e. Method of Sharing
If all of the other insurance permits
contribution by equal shares, we will
follow this method also. Under this
approach each insurer contributes equal
amounts until it has paid its applicable
Limit of Insurance or none of the loss
remains, whichever comes first.

If any of the other insurance does not
permit contribution by equal shares, we
will contribute by limits. Under this
method, each insurer's share is based on
the ratio of its applicable Limit of
Insurance to the total applicable limits of
insurance of all insurers.
f. When this insurance is excess, we will
have no duty under Business Liability
Coverage to defend any claim or "suit"
that any other insurer has a duty to
defend. If no other insurer defends, we
will undertake to do so; but we will be
entitled to the insured's rights against all
those other insurers.

I. Premiums

1. The first Named Insured shown in the
Declarations:
a. Is responsible for the payment of all
premiums; and
b. Will be the payee for any return
premiums we pay.

2. The premium shown in the Declarations was
computed based on rates in effect at the time
the policy was issued. On each renewal,
continuation or anniversary of the effective
date of this policy, we will compute the
premium in accordance with our rates and
rules then in effect.

3. With our consent, you may continue this
policy in force by paying a continuation
premium for each successive one-year
period. The premium must be:
a. Paid to us prior to the anniversary
date; and
b. Determined in accordance with
paragraph 2. above.

Our forms then in effect will apply. If you
do not pay the continuation premium, this
policy will expire on the first anniversary
date that we have not received the
premium.

4. Undeclared exposures or change in your
business operation, acquisition or use of
locations may occur during the policy
period that is not shown in the
Declarations. If so, we may require an
additional premium. That premium will be
determined in accordance with our rates
and rules then in effect.

J. Premium Audit

1. This policy is subject to audit if a premium
designated as an advance premium is
shown in the Declarations. We will
compute the final premium due when we
determine your actual exposures.

2. Premium shown in this policy as advance
premium is a deposit premium only. At the
close of each audit period, we will
compute the earned premium for that
period and send notice to the first Named
Insured. The due date for audit premiums
is the date shown as the due date on the
bill. If the sum of the advance and audit
premiums paid for the policy period is
greater than the earned premium, we will
return the excess to the first Named
Insured.

3. The first Named Insured must keep
records of the information we need for
premium computation and send us copies
at such times as we may request.

K. Transfer of Rights of Recovery Against Others
to Us

1. Applicable to SECTION I - PROPERTY
Coverage:

If any person or organization to or for
whom we make payment under this policy
has rights to recover damages from
another, those rights are transferred to us
to the extent of our payment. That person
or organization must do everything
necessary to secure our rights and must
do nothing after loss to impair them. But
you may waive your rights against another
party in writing:
391-1003 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 80 of 81

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Hanover
Insurance Group..

ODF9926346 13
6/1/2025 to 6/1/2026
a. Prior to a loss to your Covered
Property.
b. After a loss to your Covered Property
only if, at time of loss, that party is
one of the following:
(1) Someone insured by this
insurance;
(2) A business firm:
(a) Owned or controlled by you;
or
(b) That owns or controls you; or
(3) Your tenant.

You may also accept the usual bills of
lading or shipping receipts limiting the
liability of carriers.

This will not restrict your insurance.

2. Applicable to SECTION II - LIABILITY
Coverage:

If the insured has rights to recover all or
part of any payment we have made
under this Coverage Part, those rights
are transferred to us. The insured must
do nothing after loss to impair such
rights. At our request, the insured will
bring "suit” or transfer those rights to us
and help us enforce them.

We waive any right of recovery we may
have against any person or
organization with whom you have a
written contract, permit or agreement
to waive any rights of recovery against
such person or organization because of
payments we make for injury or
damage arising out of your ongoing
operations or "your work" done under a
contract with that person or
organization and included in the
"products-completed operations
hazard".

This condition does not apply to
Medical Expenses Coverage.

L. Transfer of Your Rights and Duties Under
This Policy
Your rights and duties under this policy
may not be transferred without our written
consent except in the case of death of an
individual Named Insured. If you die, your
rights and duties will be transferred to your
legal representative but only while that
legal representative is acting within the
scope of their duties as your legal
representative. Until your legal
representative is appointed, anyone with
proper temporary custody of your property
will have your rights and duties but only
with respect to that property.
391-1003 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 81 of 81

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ODF99269346913

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BUSINESSOWNERS
BP 07 02 07 02

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

AMENDMENT – AGGREGATE LIMITS OF

INSURANCE (PER PROJECT)

This endorsement modifies insurance provided under the following:

BUSINESSOWNERS COVERAGE FORM

Section II – Liability is amended as follows:

Under Paragraph D.4.b Liability And Medical Ex-
penses Limits Of Insurance , the aggregate limit for
all "bodily injury" and "property damage" other than
"bodily injury" or "property damage" included in the
"products-completed operations hazard" applies sepa-
rately to each of your projects away from premises
owned by or rented to you. A separate aggregate will
apply for projects at premises owned by or rented to
you.

ODF992634613

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4 61 -04 79 1 2 1 2 m iss ion P a g e1o f1In cl ud e s co py r i gh te d ma te r ia l o f ISO Ins u ra n ce Se r vi ce s Offi ce , Inc ., wi th i ts pe r

A LL OT H ER T ER MS , CO ND IT IO NS , AN D EX CL U SIO NS R E MA IN UN C H AN GE D . m ai nt ena nc e or u se of an y "au to" no t o wn ed
(2 )
Fo r n e g lig e nc e a ri sin g o ut o f t he o wn e rsh ip , any o the r "i ns ur ed" un der t hi s Cov er age P ar t. "in su re d "; o r
wi ll n o t be b ro a d er th a n co ve ra g e pr ov id ed t o (1 )
Fo r th e so le ne g lig e n ce o f th e a d d iti on a l C.

Cov er ag e pr ov id ed to an ad di ti ona l " in su re d" ex ce pt :
be pr ov id ed t o t he addi t io nal " in su re d".
in su ra nc e a va ila b le t o th e a d di tio n a l " in su re d " o r wr itt e n pe rm it r eq u ire s s uc h in su ra nc e t o We will n ot se e k co n tr ib ut io n fro m a n y o th e r th at the w ri t ten c ont ra ct , w ri t ten agr ee me nt t o th e addi t io nal "i ns ur ed" as a N am ed In su re d.

3. P ri or t o the ex pi r ati on of t he per i od of t im e Pa rt is p rim ar y t o a n y o t he r i ns ur an ce a va il ab le i ss ua nc e of t he wr i tt en per m it ; and
Th e lia b ilit y co ve ra g e p ro vi de d by th is C o ve ra ge c ont ra ct or w rit te n ag re em ent or th e
n on-c on tr i but or y, t he fo ll ow i ng appl i es :

2. S ubs equ ent t o th e ex ec uti on o f th e wr i tt en A. 1. Wh o Is An I n su red
is pr ima ry an d

1. D u rin g t h e p o licy p e rio d ;

SE CT I ON I I - L IA B I LI T Y CO VE RA GE ,
Pa ra g ra ph
qu a lif ie s as an ad di ti ona l "i ns ur ed " un der " ac cid e nt " o ccu rs :
pr ov id ed to a per s on or or gani z at io n wh o
B.

Thi s endo rs em en t wil l app ly on ly if th e
ag re e me n t o r writ te n pe rm it t ha t th e i ns ur an ce pol i c y.

If yo u ag re e in a w ri t ten c on t ra ct, wri tt en add it i onal " in su re d" unde r a not her l ia bi li t y Prim ary a n d N o n- C o nt rib u to ry
(3 )
Wh e n t he a dd it io n al " in su re d" i s al so a n In su ra n ce :
by y ou; o r
Gen e ral C on d it io ns , 5. Ot he r
su b p ar ag ra p h
"a uto " ow ned by t he add it i onal "i ns ur ed" o r
B US INES S AU TO CO NDI TIO NS , B.

P ar agr aph
th at " aut o" i s a " tr ai l er " c onn ec ted t o an A. SE CTIO N IV -
Th e fo llo wi ng is adde d to
b y t he addi t io nal "i ns ur ed " o r b y y ou , u nl es s

BU SI NE SS A U T O CO VE RA GE PA R T
T hi s endo rs em en t m od if i es i ns ur anc e pr ov id ed u nder t he fo ll ow i ng:

NO N- CO NT R IB UT O R Y

D ES IGN AT ED ADD ITI ONA L IN SU RE D - P RI MAR Y AN D TH IS E NDO RS EM ENT CHA NG ES THE P OL IC Y. P LE AS E RE AD I T CARE FUL LY .

AW F9928956 5701148
007021

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Alameda City CouncilOctober 21, 2025

Alameda City Council
October 21, 2025