Exhibit 1: Agreement — Alameda City Council, October 6, 2026 (part 2 of 4)

(ALL COVERAGES)

CONDITIONAL TERRORISM EXCLUSION
- CERTIFIED AND NON-CERTIFIED ACTS OF TERRORISM -

CONDITIONAL EXCLUSION THAT APPLIES

TO ALL COVERAGES
In addition to the other exclusions of the policy,
the following conditional exclusion will apply to all
coverages:

1. In the event that we are unable to procure or
maintain reinsurance coverage in relation to
loss arising out of any type of Certified or
non-certified act of terrorism , then
coverage will be excluded under this policy
for such terrorism-related loss, even if the
loss would otherwise have been covered
under the terms of the policy prior to the
implementation of this exclusion.

This conditional exclusion will take effect,
however, only after we have sent notice to you in
accordance with applicable state insurance
notification requirements relating to elimination or
reduction of insurance coverage.

CONDITIONS

1. The following provision is added.
a. Neither the terms of this endorsement
nor the terms of any other terrorism
endorsement attached to this policy will
be construed to provide coverage for any
loss that would otherwise be excluded
under any form, endorsement or
provision of this policy, including, but not
limited to:
1) any exclusions that address war,
military action, or nuclear hazard; or
2) any other exclusion of the policy.

DEFINITIONS
In addition to the words and phrases defined
elsewhere in this policy, the following definition
will apply to the provisions of this endorsement:

1. Certified or non-certified act of
terrorism means a malicious act
(whether or not such act is certified by
government officials as a qualifying “act
of terrorism” under any federal Terrorism
Risk Insurance law) that:
a. is violent or is dangerous to human
life, property, or infrastructure; and
b. is undertaken in an effort to coerce
the civilian population of the United
States or to influence the policy or
affect the conduct of the United
States Government by coercion.

A certified or non-certified act of
terrorism includes, but is not limited to,
acts involving:
1) Explosives, firearms, conventional
weapons, or the use of aircraft,
watercraft, missiles, autos or persons
as weapons or as a means of
transporting weapons;
2) the use, release, dispersal,
application or escape of any nuclear
or radioactive materials of any kind;
3) any nuclear reaction or the release of
any radiation, or any radioactive
contamination;
4) the use, release, dispersal,
application or escape of any
biological or chemical materials that
have any injurious, pathogenic or
poisonous effect of any kind; or
5) any contamination of property,
interruption of any business or
ministry operation, or any other
damage, loss or expense arising
directly or indirectly out of the
situations set forth in items 1)
through 4) immediately above.

EX-0606 (1.0)
Includes Copyrighted Material of American Association of Insurance Services, Inc., 2002

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Policyholder Coverage Notice

Conditional Exclusion - Terrorism-Related Loss

The following conditional exclusionary form is included with your MinistryFirst policy that could impact both property and liability coverages for losses arising out of terrorism.

EX-0606 (CONDITIONAL TERRORISM EXCLUSION)

The effect of this form is as follows:

In the event that our company is unable to procure or maintain reinsurance coverage in relation to any terrorism loss, then coverage will be excluded under this policy for such terrorism-related loss, even if such loss would otherwise have been covered under the terms of the policy. As stated in the above Conditional Terrorism Exclusion Form, we will send you any statutorily required notice prio r to the date that the exclusion takes effect.

For specific details regarding how this policy will relate to loss arising out of terrorism, please review all terrorism-related forms on your policy, including the above form.

Please read your policy carefully

Your Brotherhood Mutual agent will be pleased to answer any questions you may have concerning your policy.

NOTE: No coverage of any kind is provided by this notice form.

BN-6-EX (4.0) Brotherhood Mutu al Insurance Company Page 1 of 1

04M5A0494326
Policyholder Coverage Notice
Terrorism-Related Loss
General Notice- The federal Terrorism Risk Insurance Act contains a $100 billion cap that limits U.S.

Government reimbursement as well as insurer liability for losses resulting from certified acts of terrorism when the amount of such loss in any calendar year exceeds $100 billion.

IF THE AGGREGATE INSURED LOSS FOR ALL INSURERS EXCEEDS $100 BILLION, THE TERRORISM COVERAGE PROVIDED TO AFFECTED POLICYHOLDERS MAY BE REDUCED.

Policy-Specific Notice- A series of exclusionary forms have been added to your MinistryFirst policy that will impact both property and the liability coverages relating to losses arising out of terrorism. These forms are as follows:

EX-0621 X (TERRORISM EXCLUSION WITH LIMITED EXCEPTION- PROPERTY) EX-0261 X (TERRORISM EXCLUSION- LIABILITY)
EX-0651 X (NUCLEAR, CHEMICAL AND BIOLOGICAL TERRORISM EXCLUSION- PROPERTY) EX-0281 X (NUCLEAR, CHEMICAL AND BIOLOGICAL TERRORISM EXCLUSION- LIABILITY) The effect of these forms is to exclude coverage for all “certified” terrorism-related loss, and for all “non-certified” terrorism-related losses that are not specifically exempted within the exclusion forms. Accordingly, the policy will exclude terrorism loss involving the use of conventional weapons, such as explosives, as well as excluded acts of nuclear, chemical or biological terrorism.

For specific details regarding how this policy will relate to loss arising out of terrorism, please review the above forms.

Please read your policy carefully
Your Brotherhood Mutual agent will be pleased to answer any questions you may have concerning your policy.

Notice- Payment for Certified Acts of Terrorism under the federal Terrorism Risk Insurance Act:

Coverage provided by your policy for loss caused by Certified Acts of terrorism will be partially reimbursed by the United States under a formula established by federal law. Under this formula, the United States pays a statutorily-specified percentage of covered terrorism losses exceeding the statutorily established deductible paid by the insurance company providing the coverage. The premium charged for terrorism- related coverage under this policy does not include any charges for the portion of loss covered by the federal government under the act.

NOTE: No coverage of any kind is provided by this notice form.

BN-6-D X (3.0) Page 1 of 1

04M5A0494326
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The property coverage provided by this policy is subject to the provision shown below. The COMMERCIAL PROPERTY COVERAGE CONDITIONS (BCP-100), the PERILS PART, and either the BUILDING AND PERSONAL PROPERTY COVERAGE PART (BCP-12) or the BUILDERS’ RISK COVERAGE PART (BCP-14) (if indicated on the declarations as applying to a particular building) also apply except to the extent modified by the provisions of this endorsement.

T
HIS INSURANCE ENDORSEMENT FORMS PART OF YOUR POLICY CONTRACT.

PLEASE READ IT CAREFULLY.

ORDINANCE OR LAW EXTENSION

INCREASED COST OF CONSTRUCTION

AGREEMENT
In return for your payment of the required premium,
we provide the coverage extensions described
herein, but only if this coverage form (BCP-138) is
properly designated on the declarations of this
policy, and only with respect to buildings or structures for which Ordinance or Law coverage is shown on the
declarations.

COVERAGE EXTENSIONS
We cover indirect loss from application of an
enforceable ordinance, law or code regulating the
use, demolition, construction or repair of the
building(s) to which these Coverage Extensions
apply, as a result of direct damage to or destruction of such building(s) by a covered peril, as indicated
herein. The ordinance, law, or code must be in force
at the time of loss. No coverage will be provided in
relation to the application of an ordinance, law, or
code if you were required to comply with the
ordinance, law, or code prior to a loss but failed to do so. The limits shown are the maximum payment for
an occurrence, regardless of the number of buildings
or structures involved.

A. Increased Building Loss - Value of
Undamaged Portions : When the declarations
show that this Coverage Extension applies to a
building (designated on the declarations as
Ordinance or Law 1), we cover, up to the
applicable building(s) limit shown on the
declarations which is remaining after direct loss
payment, the loss in value of the undamaged
portion of the building(s) listed on the
declarations that is caused by the application of
an enforceable ordinance, law or code which
requires the demolition of that portion of the same
building not damaged by a covered peril.

Under this Increased Building Loss – Value of
Undamaged Portions extension, we pay no more
than:
a. the amount actually spent to repair, rebuild or
replace the building, but not more than the
amount it would cost to repair or replace the
building with similar materials on the same
site and used for the same purpose; or
b. the limit shown on the declarations for this
Coverage Extension for a building;
whichever is less.

This does not increase the applicable limit shown
on the declarations for the building. This is not
an additional amount of insurance.

B. Increased Debris Removal - Demolition of
Undamaged Portions : When the declarations
show that this Coverage Extension applies to a
building (designated on the declarations as
Ordinance or Law 2), we cover up to the
applicable building(s) limit (shown on the
declarations), the cost to demolish and remove
the debris of undamaged parts of such building or
structure resulting from the enforcement of any
enforceable ordinance, law, or code.

Coinsurance does not apply.

Under this Debris Removal Extension, we pay no
more than:
a. the amount actually spent to demolish and
remove the debris of undamaged parts; or
b. the limit shown on the declarations for this
Coverage Extension for a building;

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whichever is less. This is an additional amount of
insurance.

C. Increased Cost of Construction – Damaged
Portion: When the declarations show that this
Coverage Extension applies to a building
(designated on the declarations as Ordinance or
Law 3), we cover, up to the applicable building(s)
limit (shown on the declarations), the increased
cost of construction of the building necessary
because of the application of an enforceable
ordinance, law or code; provided the building is
repaired, rebuilt or replaced:

1. within two years of the date of loss;

2. of same height and floor area, style and of
comparable quality;

3. and used for the same occupancy and
purpose.

Under this Increased Cost of Construction
extension, we pay no more than:
a. the amount actually spent to repair, rebuild or
replace the building, but not more than the
amount it would cost to repair or replace the
building with similar materials on the same
site and used for the same purpose; or
b. the limit shown on the declarations for this
Coverage Extension for a building;
whichever is less.

Coinsurance does not apply. This is an additional
amount of insurance.

EXCLUSIONS
The following exclusions apply to the coverage
provided by this form.

1. Pollutants: We will not pay under this coverage
for costs associated with the enforcement of any
ordinance, law or code which regulates or
requires any insured or others to test for,
evaluate, observe, or record the existence, level,
or effects of pollutants.

2. Water: We do not cover loss caused by:
a. flood; surface water; waves, including, but not
limited to, tidal wave and tsunami; tidal
water; tides; overflow of any body of water;
or spray from any of these; all whether or not
driven by wind. This includes, but is not
limited to, storm surge, storm tide, and tidal
surge;
b. water that backs up through, overflows from
or is otherwise discharged from:
1) a sewer or drain;
2) a sump, sump pump, or related
equipment; or
3) any other type of system designed to
remove subsurface water which is
drained from the foundation area;
c. water below the surface of the ground. This
includes water that exerts pressure on or
flows, seeps, or leaks through or into:
1) basements, whether paved or not;
2) doors, windows, or other openings;
3) foundations, floors, walls, or paved
surfaces; or
4) swimming pools, septic tanks, or other
structures; or
d. material present in or carried or otherwise
moved by water described in items 2.a.
through 2.c. above.

However, if fire, explosion, or sprinkler leakage (if
a covered peril) results, we do cover the resulting
loss.

This exclusion:
a. applies regardless of the cause of the water
or the material described or moved by water
described under items 2.a. through 2.d.
above, whether or not such cause is an act of
nature; and
b. applies to, but is not limited to, water and
material present in or carried or moved by
water, whether or not driven by wind, that:
1) overtops;

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2) escapes from;
3) is released from; or
4) is otherwise discharged from:
a dam, levee, dike, floodgate, seawall, or
other device or feature designed or used to
retain, contain, or control water.

HOW MUCH WE PAY
The following provision applies to coverage provided
by this form.

1. Blanket/Combined Coverage: If
blanket/combined valuation applies to a building
for which Increased Building Loss coverage is
sought, we will not pay more than the remainder,
after direct loss payment, of the value shown for
the building on the policy's Statement of Values.

2. Increased Cost of Pollutants : We will pay no
more than $25,000 for any loss to property
covered by these Coverage Extensions if such
loss is caused by contamination by any
substance declared by an authorized
governmental agency to be hazardous to health.

04M5A0494326
BCP-138B (4.5) Copyright 2018, Brotherhood Mutual Insurance Company Page 1 of 3 All Rights Reserved
The property coverage provided by this policy is subject to the provision shown below. The COMMERCIAL PROPERTY COVERAGE CONDITIONS (BCP-100), the PERILS PART, and either the BUILDING AND PERSONAL PROPERTY COVERAGE PART (BCP-12) or the BUILDERS’ RISK COVERAGE PART (BCP-14) (if indicated on the declarations as applying to a particular building) also apply except to the extent modified by the provisions of this endorsement.

T
HIS INSURANCE ENDORSEMENT FORMS PART OF YOUR POLICY CONTRACT.

PLEASE READ IT CAREFULLY.

COMBINED ORDINANCE OR LAW ENFORCEMENT COVERAGE

AGREEMENT
We provide the following additional coverages when
CP-83, Broad Perils Part or BCP-85, Special Perils
Part applies, which coverages are subject to the
policy deductible.

PERILS COVERED

LIMITED ORDINANCE OR LAW

ENFORCEMENT COVERAGE
We cover indirect loss from application of an
enforceable ordinance, law, or code regulating the
use, demolition, construction or repair of the
building(s) listed on the declarations as a result of
direct damage to or destruction of such building(s) by
a covered peril, as indicated below. The ordinance,
law, or code must be in force at the time of loss. No
coverage will be provided in relation to the application of an ordinance, law, or code if you were required to
comply with ordinance, law, or code prior to a loss but failed to do so. The limits shown are the maximum
payment for an occurrence no matter how many
buildings are involved.

COVERAGES
A. Increased Building Loss – Value of
Undamaged Portions: We cover, to the lesser
of, (1) the applicable building(s) limit remaining
after direct loss payment, or (2) the limit shown
for Ordinance or Law A on the Schedule of
Optional Coverages in the declarations, the loss
in value of the undamaged portion of the
building(s) to which this coverage applies, that is
caused by the application of an enforceable
ordinance, law or code which requires the
demolition of that portion of the same building not
damaged by a covered peril.

This Additional Coverage does not increase the
limit applicable to the covered building(s) or
structures shown on the declarations. This is not
an additional amount of insurance.

If the Ordinance or Law Extension coverage form
(BCP-138) is shown on the declarations, and if
Ordinance or Law 1 is listed on the declarations
for a building or structure, the Increased Building
Loss coverage part of that form replaces this
coverage for the building or structure.

If blanket/combined coverage applies to a
building for which Increased Building Loss
coverage is sought, for the purposes of this
coverage the applicable building(s) limit will be
the value shown for the building on the policy's
Statement of Values.

B. Increased Debris Removal – Demolition of
Undamaged Portions: We cover, up to the limit
shown for Ordinance or Law B on the Schedule of
Optional Coverages in the declarations, the cost
to demolish and remove the debris of the
undamaged portion of the building(s) to which this
coverage applies resulting from the enforcement
of any enforceable ordinance, law, or code. This
is an additional amount of insurance.

If the Ordinance or Law Extension coverage form
(BCP-138) is shown on the declarations, and if
Ordinance or Law 2 is listed on the declarations
for a building or structure, the Increased Debris
Removal coverage part of that form replaces this
coverage for the building or structure.

C. Increased Cost of Construction: We cover, up
to the limit shown for Ordinance or Law C on the
Schedule of Optional Coverages in the
declarations, the increased cost of construction
of the building(s), to which this coverage applies,
which is necessary because of the application of
an enforceable ordinance, law or code; provided

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1. within two years of the date of loss;

2. of same height and floor area, style and of
comparable quality; and

3. used for the same occupancy and purpose.

This is an additional amount of insurance.

If the Ordinance or Law Extension coverage form
(BCP-138) is shown on the declarations, and if
Ordinance or Law 3 is listed on the declarations
for a building or structure, the Increased Cost of
Construction coverage part of that form replaces
this coverage for the building or structure.

EXCLUSIONS

1. Pollutants: We will not pay under this coverage
for costs associated with the enforcement of any
ordinance, law or code 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.

2. Water: We do not cover loss caused by or
resulting from:
a. flood; surface water; waves, including, but not
limited to, tidal wave and tsunami; tidal
water; tides; overflow of any body of water; or
spray from any of these; all whether or not
driven by wind. This includes, but is not
limited to, storm surge, storm tide, and tidal
surge;
b. water that backs up through, overflows from,
or is otherwise discharged from:
1) a sewer or drain;
2) a sump, sump pump, or related
equipment; or
3) any other type of system designed to
remove subsurface water which is
drained from the foundation area;
c. water below the surface of the ground. This
includes water that exerts pressure on or
flows, seeps, or leaks through or into:
1) basements, whether paved or not;
2) doors, windows, or other openings;
3) foundations, floors, walls, or paved
surfaces; or
4) swimming pools, septic tanks, or other
structures; or
d. material present in or carried or otherwise
moved by water described in items 1. through

3. above.

However, if fire, explosion, or sprinkler leakage (if a covered peril) results, we do cover the resulting loss.

This exclusion:
a. applies regardless of the cause of the water
or the material carried or moved by water
described under items 2.a. through 2.d.
above, whether or not such cause is an act of
nature; and
b. applies to, but is not limited to, water and
material present in or carried or moved by
water, whether or not driven by wind, that:
1) overtops;
2) escapes from;
3) is released from; or
4) is otherwise discharged from:
a dam, levee, dike, floodgate, seawall, or
other device or feature designed or used to
retain, contain, or control water.

HOW MUCH WE PAY
The following provision applies to coverage provided
by this form.

Increased Cost of Pollutants:

1. If this Combined Ordinance or Law Enforcement
Coverage endorsement (BCP-138B) is shown on
the declarations, we will pay no more than
$25,000 for any loss to property covered by these
Coverage Extensions if such loss is caused by
contamination by any substance declared by an
authorized governmental agency to be hazardous
to health.

2. If both this Combined Ordinance or Law

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Enforcement Coverage endorsement (BCP-
138B) and the Ordinance or Law Extension
coverage form (BCP-138) are shown on the
declarations, we pay no more than $25,000 for
any loss to property covered by these Coverage
Extensions if such loss is caused by
contamination by any substance declared by an
authorized governmental agency to be hazardous
to health.

04M5A0494326
BCP-36 (4.5) Copyright 2018, Brotherhood Mutual Insurance Company Page 1 of 4 All Rights Reserved
Contains material from American Association of Insurance Services, Inc., with its permission.

The property coverage provided by this policy is subject to the provision shown below. The COMMERCIAL PROPERTY COVERAGE CONDITIONS (BCP-100), the PERILS PART, and either the BUILDING AND PERSONAL PROPERTY COVERAGE PART (BCP-12) or the BUILDERS’ RISK COVERAGE PART (BCP-14) (if indicated on the Declarations as applying to a particular building) also apply except to the extent modified by the provisions of this endorsement.

T
HIS INSURANCE ENDORSEMENT FORMS PART OF YOUR POLICY CONTRACT.

PLEASE READ IT CAREFULLY.

ORGANIZATIONAL OPTIONAL THEFT COVERAGE

AGREEMENT
We provide the following Additional Peril Coverage as
indicated.

ADDITIONAL PERIL COVERAGE

PROVISIONS

1. Additional Peril: We cover loss by the peril of theft for the classification of property or type of theft listed below for which a coverage limit is shown on the
declarations:
a. Theft of Money and Securities;
b. Theft of Personal Property;
c. Theft of Personal Property Excluding Money
and Securities;
d. Theft of Building Materials;
e. Theft by Electronic Means; and
f. Theft by Coercion.

2. Property of Others: This Additional Peril Coverage
also applies to loss of property of others that is of
the same peril or classification as the peril or
classification of property from the list above that is
designated on the declarations, while such
personal property is within the premises and is in
your care and used for your benefit.

3. Theft of Money and Securities Limitation: This
Additional Peril Coverage for Theft of Money and
Securities applies only while the covered property is
within the policy territorial limits and:
a. located within the premises; or
b. located within a night depository safe provided
by a bank or trust company at its location for use
by its customers; or
c. in the care or custody of your duly authorized
person.

4. Theft of Building Materials Limitation: This
Additional Peril Coverage for Theft of Building
Materials applies only while the covered property is
within the policy territorial limits

DEFINITIONS
The following additional definitions apply to coverage
provided by this coverage form:

1. Money means:
a. Currency, coin and bank notes in current use
and having a face value;
b. Personal and commercial checks and other
similar negotiable instruments; and
c. Travelers checks, register checks, scrip, and
money orders.

Money does not include securities.

2. Premises means the interior of:
a. your building, at a location scheduled in this
policy;
b. the portion of any other building which is owned
by or leased to you and is used exclusively for
conducting your religious, educational,
recreational or social activities, and

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All Rights Reserved
Contains material from American Association of Insurance Services, Inc., with its permission. c. any residence occupied by your clergy; but not
including a chapel or mission which is not
located at or adjacent to the location designated
in the declarations, or any other building used
in connection therewith.

3. Securities means all negotiable and
non-negotiable instruments or contracts
representing either money or other property and
includes revenue and other stamps in current use,
tokens and tickets, but does not include money.

4. Theft by Electronic Means means any
unauthorized electronic financial transfer depriving
you of your money or your securities through the
use of a computer, laptop, mobile device, telephone,
or similar electronic device.

This definition includes the unauthorized electronic
financial transfer of money or securities of others
that was originally electronically transmitted to your
account prior to such an unauthorized transfer, but
does not include Theft by Coercion.

5. Theft by Coercion means any transfer of your
covered property by your employees or your
leaders resulting from them either:
a. being intentionally misled into making the
transfer based on fraudulent information
provided to them in a written or verbal
communication claiming that there was
express or implied authority of the insured to
make the transfer; or
b. making the transfer under duress to access
electronic data that has been made
inaccessible or unusable by a computer
virus, malware, ransomware, or other types
of similar malicious software.

Any employee or leader who made an electronic
financial transfer must have authority to make
electronic financial transfers of your money or
securities.

This definition does not include Theft by Electronic
Means.

6. Theft of Building Materials means theft of your
building materials or supplies intended for use in,
and to become a physical part of, new construction,
or alteration, or repair, of the buildings covered
under this policy.

This definition includes building materials owned by
others for which you have a contractual
responsibility to insure.

7. Theft of Personal Property means theft of your
money and your personal property otherwise
covered, and theft, forgery, or alteration of your
securities.

8. Theft of Personal Property Excluding Money and
Securities means theft of your personal property,
not including money and securities.

9. Theft of Money and Securities means theft of your
money, or theft, forgery, or alteration of your
securities.

EXCLUSIONS
The following exclusions apply to coverage provided by
this coverage form:

1. We do not cover loss:
a. due to any fraudulent, dishonest or criminal act
by you or your officer, employee, director,
trustee or authorized representative thereof,
while working or otherwise and whether acting
alone or in collusion with others;
b. of the contents of any alms box, poor box or
similar receptacle;
c. of manuscripts, books of account or records;
d of property not owned by you from within the
premises, except as provided herein;
e. other than to a safe or vault, if such loss is
caused by fire, whether or not such fire is
caused by, contributed to, or arises out of the
occurrence of a covered peril;
f. due to delay, loss of market value, unexplained
shortage or shortage disclosed by inventory;
g. of property of an individual used exclusively in
the maintenance of his home or living quarters
at the premises or to damage to such home or
living quarters unless you are legally liable;
h. of property of any person who is a student,
camper or registered guest at the premises;
and

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Contains material from American Association of Insurance Services, Inc., with its permission. i. by the unexplained disappearance of any
property, money, or securities,o r t o l o s s b y
any shortage disclosed only by an inventory,
unless such shortage is established as being
due to theft; forgery or alterations.

VALUATION OF PROPERTY LOSS
The limit of our liability for loss shall not exceed the lesser of the following:

1. The limit shown on the declarations for Theft by
Electronic Means, Theft by Coercion, Theft of
Building Materials, Theft of Money and
Securities, Theft of Personal Property, or Theft of
Personal Property Excluding Money and
Securities;
or

2. What it would cost at the time of loss to repair or
replace the property with other property of like kind
and quality;
or

3. The valuation of the covered property as follows:
a. Money is valued at its face value;
b. Securities are valued at their actual cash value
on the close of business on the business day
preceding the day on which the loss was
discovered; and
c. Other Personal Property and Building Property
is valued at its actual cash value on the
business day preceding the day on which the
loss is discovered, with a deduction for
depreciation.

LOSS PAYMENTS
The following provision applies to coverage provided by this coverage form:

1. Our Options: We may pay for any loss in money or
may repair or replace the covered property. Any
property so paid for or replaced shall become our
property.

For any losses to money or securities, if they were
originally issued in a currency other than the United
States dollar, any covered loss will be paid in an
equivalent amount of United States dollars as
determined by the rate of exchange at the close of
business on the business day immediately
preceding the day on which the loss is discovered.

2. Property of Others: We may settle any claim for
lost property either with you or the owner thereof.

HOW MUCH WE PAY

1. Limit: The applicable limit of coverage shown on
the declarations for each classification of property
or additional type of theft covered by this coverage
form is the total limit of our liability with respect to all loss of covered property of one or more persons or
organizations arising out of any one occurrence
covered by this endorsement.

The limit of insurance shown on the declarations
for Theft of Money and Securities is tripled only
during the period of 48 hours preceding, during, and
48 hours after:
a. the days upon which are celebrated New Year’s
Day, Good Friday, Easter, Thanksgiving,
Christmas Eve, Christmas and New Year’s Eve;
and
b. if different from New Year’s Eve, the day
concluding your fiscal year, and the Sunday
immediately preceding it; and any other days
shown on the declarations as Triple Limits
Days.

2. Property of Others: Subject to paragraphs 1. and

3. in this How Much We Pay section, for property of
others covered by this form, we will pay no more
than:
a. $1,000 per occurrence for property covered by
classifications of covered property or type of
theft other than Theft of Building Materials ,
Theft by Electronic Means ,o r Theft by
Coercion; or
b. the coverage limit shown on the declarations
for the Theft of Building Materials
classification or the Theft by Electronic Means
or Theft by Coercion type of theft.

3. Deductible: In any one occurrence, we pay only
that part of your loss over the ‘Deductible Amount’
indicated for this coverage on the declarations.

04M5A0494326

Page 4 of 4 ends

4. Theft by Coercion – Annual Aggregate Limit: The
most we will pay for all losses caused by Theft by
Coercion during each separate 12-month period,
beginning on the month and date shown on the
declarations as the beginning of the policy period,
is the Annual Aggregate Limit shown on the
declarations for the Theft by Coercion type of
theft.

WHAT YOU MUST DO IN CASE OF LOSS
The following provisions apply to coverage provided by
this coverage form:

1. Notice: In case of loss, you must promptly notify us or our agent (in writing, if requested). You must
notify the police if the loss is a result of a violation of a law. You must do whatever is necessary or
requested to assist us in the discharge of our
responsibilities.

2. Records: You must keep record of all your receipts
and property in such manner that we can accurately
determine the extent and amount of any loss.

04M5A0494326
BCP-37A (4.5) Copyright 2018, Brotherhood Mutual Insurance Company Page 1 of 4 All Rights Reserved
Contains material from American Association of Insurance Services, Inc., with its permission.

The property coverage provided by this policy is subject to the provisions shown below. The COMMERCIAL PROPERTY COVERAGE (BCP-100), the PERILS PART, and the BUILDING AND THE PERSONAL PROPERTY COVERAGE PART (BCP-12) also apply except to the extent modified by the provision of this endorsement.

T
HIS INSURANCE ENDORSEMENT FORMS PART OF YOUR POLICY CONTRACT.

PLEASE READ IT CAREFULLY.

MINISTRY PERSONNEL DISHONESTY COVERAGE

AGREEMENT
We provide the following additional peril coverage
when Personnel Dishonesty Coverage is shown on
the declarations.

ADDITIONAL PERIL COVERAGE

PERSONNEL DISHONESTY COVERAGE
We will pay for loss of covered property to which this
coverage applies if the loss is caused directly by the
dishonest activity of your personnel , but only for
loss which occurs during the coverage period as
defined herein.

DEFINITIONS
The following definitions apply only to the additional
peril coverage of this endorsement.

1. Coverage period means the date of loss , and
either:
a. the three (3) year period immediately
preceding the date of loss; or
b. the time period from when we first provided
personnel dishonesty coverage of any kind to
you until the date of loss,
whichever represents the shorter period of time.

2. Covered property means only your money ,
your securities , and your covered personal
property. Covered personal property includes only
the personal property that is covered by another
property form of this policy.

3. Date of discovery means the date on which
you or any of your organizational leaders
(other than a leader alleged to have engaged
in dishonest activity) first become aware of
facts which would lead a reasonable person
to conclude that you have sustained a loss of
covered property as the result of dishonest
activity.

4. Date of loss means the earlier of:
a. the date of the last fraudulent or
dishonest act by any of your personnel
which results in any loss of your covered
property; or
b. the last day that we provide any
personnel dishonesty coverage of any
kind to you.

Such date will be considered the date of
loss, even if the dishonest activity or
resulting loss occurs over time, or consists of
multiple acts, omissions, decisions, incidents,
events or breaches of duty.

5. Dishonest activity means only fraudulent or
dishonest acts committed by your
personnel, whether identified or not, acting
alone or in collusion with other persons, with
the manifest intent:
a. to cause you to sustain a loss; and
b. to obtain a benefit for themselves or for
another person or organization other than
you.

More than one similar or related acts,
omissions, decisions, incidents, events or
breaches of duty undertaken by the same

04M5A0494326

Page 2 of 4 ends

All Rights Reserved
Contains material from American Association of Insurance Services, Inc., with its permission. person or persons will be considered a single
incident of dishonest activity.

6. Employee benefit plan means any
employee welfare or pension benefit plan,
whether subject to the provisions of the
Employee Retirement Income Security Act
(ERISA) or otherwise.

7. Leader means a person while serving as a
member of your governing board, or your
administrator, director, officer or trustee, but
only if acting on your behalf and within the
scope of their delegated authority as such.

8. Money means:
a. currency, coin and bank notes in current
use and having a face value;
b. personal or commercial checks and other
similar negotiable instruments; and
c. travelers checks, register checks, scrip,
and money orders held for sale to the
public.

Money does not include securities.

9. Personnel means a person:
a. who is employed by you; or
b. who has been authorized by you to
collect, handle, maintain, hold, protect, or
transfer, your covered property.

Personnel does not include any agent,
broker, contractor, commission merchant,
consignee, independent contractor, or
representative of the same general character;
or any director or trustee, except while that
person is performing acts falling within the
scope of the usual duties of your personnel.

Any person who is your personnel is
considered your personnel for 30 days after
termination of the person’s service to you.

10. Securities means all negotiable and
non-negotiable instruments or contracts
representing either money or other property
and includes revenue and other stamps in
current use, tokens and tickets, but does not
include money.

EXCLUSIONS
The following exclusions apply only to the additional
peril coverage of this endorsement.

1. We will not pay for any loss if:
a. the loss is caused by any of your personnel
for whom similar prior insurance has been
canceled;
b. the loss is not documented, is speculative in
nature, or is based in whole or in part on an
estimate of contribution receipts or other
income;
c. the loss is incurred prior to the date on which
this coverage becomes effective or after this
coverage terminates;
d. the loss is incurred prior to or subsequent to
the coverage period; or
e. you or your organizational leaders fail to
comply with all of the terms, conditions and
requirements of this endorsement.

2. We will not pay for any loss caused by your
personnel:
a. after the date of discovery relating to
dishonest activity of such personnel;
b. if, prior to the loss, you or any of your
leaders were aware such personnel had
previously engaged in any dishonest or
fraudulent acts to obtain a benefit for
themselves or for another person or
organization, whether before or after
becoming associated with your organization;
or
c. if, prior to a loss, we have notified you by
mailing such notice to you at the last mailing
address known to us, that we will not cover
future loss caused by dishonest acts of any
individually named personnel.

3. We will not pay for any direct or indirect expenses
or costs incurred by or charged to you in relation
to efforts to identify or prove the amount of the
loss of your covered property.

04M5A0494326
BCP-37A (4.5) Copyright 2018, Brotherhood Mutual Insurance Company Page 3 of 4 All Rights Reserved
Contains material from American Association of Insurance Services, Inc., with its permission.

4. We will not pay for any loss to your employee
benefit plans.

5. We do not pay for any fines, fees, or penalties
assessed against you in relation to a loss.

WHAT MUST BE DONE

IN CASE OF LOSS
If a loss occurs which may potentially be covered by
this endorsement, you or your organizational
leaders, as of the date of discovery , must do the
following:

1. take immediate steps to avoid further loss;

2. within thirty (30) days, notify us or our
representative of the loss;

3. within forty-five (45) days, notify law
enforcement authorities of the loss and
provide the name of any persons suspected
of causing the loss;

4. promptly provide all documents requested by
us to evaluate the existence of and amount
of the loss;

5. cooperate fully with law enforcement
authorities and prosecutors in investigating
and prosecuting persons in relation to the
loss; and

6. cooperate fully with us in performing all acts
required by this endorsement and by the
policy.

HOW MUCH WE PAY
The following provisions apply only to the additional
peril coverage of this endorsement.

1. Limit: The limit shown in the declarations for
personnel dishonesty coverage is the most we
will pay for loss under this additional peril
coverage, even if the loss occurs over time,
occurs during multiple policy periods, or results
from multiple acts, omissions, decisions,
incidents, events, or breaches of duty by your
personnel, whether acting alone or in collusion
with others. The coverage limit in effect on the
date of loss will apply to such loss. We will pay
no more than the actual loss sustained by you
during the coverage period.

2. Other Insurance Plans: The coverage provided
by this endorsement is excess over all other
insurance or loss reimbursement plans, even if
such insurance or plans are stated to be
secondary, excess or contingent, or have
coverage available that is not elected to be used.

3. Documentation Costs: We will not pay for any
cost that may be incurred by you in order to
document your loss.

CONDITIONS
The following provisions apply only to the additional
peril coverage of this endorsement.

1. Records: You must maintain and provide to us
documentation of any loss which may potentially
be covered by this endorsement. You must also
provide us with any other documents or records
that we may request to determine whether a loss
has occurred or the amount of such loss.

2. Recoveries and Subrogation: If we pay for a
loss under this policy and you have a right to
recover damages related to such loss from a third
party, we shall be subrogated to that right. This
means that we can assert your rights to recover
damages against third parties up to the amount
we paid under this policy. You shall do whatever
is necessary to assist us in exercising such
subrogation rights and shall do nothing to impair
those rights.

You expressly waive the made whole doctrine,
which means we can pursue subrogation
recovery against third parties regardless of
whether you have been made whole for your
losses.

If we make a payment under this policy, and you
recover damages from any third parties, you
shall hold in trust for us those damages
proceeds. If the claim paid is less than the
agreed loss due to a deductible or other limiting
term of this policy, any recovery is pro-rated
between you and us based on our respective

04M5A0494326

Page 4 of 4 ends

All Rights Reserved
Contains material from American Association of Insurance Services, Inc., with its permission. interest in the loss.

If we pay you for a loss covered under this
policy, and the lost or damaged property is
recovered, or payment is made by those
responsible for the loss, the following provisions
apply:
a. You must notify us promptly if you recover
property or receive payment.
b. We must notify you promptly if we recover
property or receive payment.
c. Any recovery expenses incurred by either
you or us are reimbursed first.
d. You may keep the recovered property but
you must refund to us the amount of the
claim paid, or any lesser amount to which we
agree.

We will not be liable for any payment under the
additional peril coverage herein if you or any of
your organizational leaders (other than a leader
alleged to have engaged in dishonest activity )
have impaired our right to make recovery or have
in any way waived our right to recover before or
after a loss. This Recoveries and Subrogation
provision expressly supersedes the Recoveries
and Subrogation provision in the Commercial
Property Coverage Conditions (BCP-100).

3. Applicable Provisions: With respect to any
policies and related forms or endorsements issued
by us to you, only the forms, endorsements and
limits that are in effect on the date of loss will
govern coverage for such loss.

4. Discovery Date - Coverage Extension: If the
Date of Discovery is within one (1) year after the
end of the policy period to which this coverage
applies, and if you are not insured for loss with us
on the date of discovery, then the additional peril
coverage herein may be applied to that portion of
the loss covered during the coverage period.

Nothing in this coverage extension will act to
increase our limit of coverage, or to in any way
modify any of the exclusions, conditions or other
terms of this endorsement or this policy.

04M5A0494326

T
HIS INSURANCE ENDORSEMENT FORMS PART OF YOUR POLICY CONTRACT.

PLEASE READ IT CAREFULLY.

EARNINGS AND DONATIONS AND EXTRA EXPENSE COVERAGE PART

AGREEMENT

We agree to provide one or more of the Coverage
Options listed below when a limit is shown on the
declarations for the options. If a limit is shown for
more than one of the Coverage Options, the
provisions of the Commercial Property Coverage
apply separately to each Coverage Option.

COVERAGE OPTIONS
We provide the following Coverage Options for
which a limit of coverage is shown on the
declarations. These coverages are provided during
the restoration period when your operations are
necessarily interrupted by a peril covered under this
Coverage Part.

EARNINGS AND DONATIONS
We cover the actual loss of your earnings and your
donation income that you sustain, including, but
not limited to, your tuition earnings , camp
earnings, and rental earnings/value . This
coverage includes, but is not limited to, the actual
loss that you sustain of your payroll and other
continuing expenses that you normally incur during
the course of your operations. We cover only the
expenses that are necessary during the restoration
period.

When loss to your earnings and your donation
income, which are covered by the preceding
paragraph, exceeds the limit of insurance shown on
the declarations for this coverage, you may extend
any remaining limit of your Extra Expense coverage
to cover your remaining loss of your earnings and
your donation income.

EXTRA EXPENSE
We cover the necessary extra expenses that you
incur to resume or continue your operations as
nearly as practicable. We cover only the extra
expenses that are necessary during the restoration
period. We cover extra expenses you incur to
repair, replace, or restore any property, but only to
the extent that they reduce the loss otherwise
payable under this Coverage Part. We also cover
extra expenses incurred by you to research,
replace, or restore information on damaged valuable
papers and records, but only to the extent that they
reduce the loss otherwise payable under this
Coverage Part.

When your extra expenses, which are covered by
the preceding paragraph, exceed the limit of
insurance shown on the declarations for this
coverage, you may extend any remaining limit of
your Earnings and Donations coverage to cover
your remaining extra expenses.

PERILS COVERED

The following perils are covered under this
Coverage Part.

1. Covered Perils: This includes direct physical
loss to real or personal property located at
premises described on the declarations or in
the open (or in vehicles) within 100 feet thereof,
which loss is caused by a peril covered by:

a. the Perils Part shown on the declarations
for this Coverage Part; or

b. any other peril covered by this policy, with
the exception of the Water Damage
Coverage Part (BCP-25, BCP-26, or BCP-
27).

2. Interruption by Civil Authority: This includes
loss caused by order, directive, or executive
action of a civil authority that prohibits your
employees or volunteers from accessing
premises described on the declarations. This
order must be a result of direct physical loss to
property (other than property located at the
described premises) caused by a covered peril.

Coverage for this peril will only apply in the
event that such order of a civil authority results

04M5A0494326

in the complete interruption of your operations.

This coverage will only apply for the shortest of
the following periods:

a. the date of the inception of the civil authority’s
order until 14 days following the revocation of
the order;

b. 60 days following the inception of the civil
authority’s order;

c. the date you could reasonably resume your
operations with no loss of earnings or
donation income resulting from the civil
authority’s order; or

d. the date when you formally discontinue your
operations which were interrupted by the civil
authority’s order.

Direct physical loss to property does not include
the direct or indirect effect of any virus,
bacterium, microorganism or other infectious
agent on any property, nor any government
action or directive related in any manner to
human illness or communicable disease.

3. Utility Failure: This includes loss caused by
interruption of power or other utility services
resulting from any cause if the interruption takes
place away from the premises described on the
declarations. Interruption includes reduced or
increased voltage, low or high pressure, loss of
internet services, or other interruptions of normal
services.

4. Food Contamination: This includes loss
caused by the contamination of your food
located at premises described on the
declarations.

5. Temporary Emergency Coordination/Shelter
Operations: This includes loss caused by your
inability to use your buildings and structures
described on the declarations as a direct result
of the inception during the policy period of your
temporary emergency coordination
operations or your temporary shelter
operations.

ADDITIONAL DEFINITIONS

The following provisions apply to coverage provided
by this Coverage Part:

1. Actual Monthly Donation means the total
amount of all voluntary donation income that is
contributed to your institution during each
consecutive monthly giving period
commencing after a covered loss has occurred.

2. Average Monthly Donation means all
donation income that is contributed to your
institution during the twelve-month period
immediately preceding a covered loss, divided
by twelve.

3. Camp Earnings means the sum of camper fees
and other income from camp operations, less
the cost of conducting the camp operations that
is not necessary during the period of time that
such operations are not being conducted as a
result of loss by a covered peril. Camp earnings
does not include rental earnings/value or
tuition earnings.

4. Difference in giving means the difference
between your average monthly donation
during the twelve months prior to the date of loss
and your actual monthly donation after the
date of loss.

5. Donation Income means voluntary
contributions of money for which no goods or
services have been provided in return.

6. Earnings means net profit, after operating
expenses, before any applicable income taxes,
gained from:

a. the provision of goods or services;

b. donation income or other private charitable
funds provided to you; or

c. governmental aid programs.

7. Money means:

a. currency, coins and bank notes in current
use and having a face value;

b. personal and commercial checks and other
similar negotiable instruments; and

c. travelers checks, register checks, scrip, and
money orders.

8. Monthly Giving Period means the one-month
period(s) used to determine your actual
monthly donation.

9. Rental Earnings/Value means your actual loss

04M5A0494326

of:

a. rental income of the described premises as
furnished or equipped less any expenses
that do not continue;

b. the rental value of any part of the described
premises that you occupy less any
expenses that do not continue; and

c. other charges for which a tenant is legally
obligated and for which you would otherwise
be obligated.

Rental earnings/value does not include camp
earnings, or tuition earnings.

10. Restoration Period means the period of time it
should reasonably take to resume your
operations following a loss by a covered peril.

The period of time covered by the restoration
period will vary based upon the type of
coverage applicable to a loss.

a. Earnings and Donations: For losses
covered by Earnings and Donations
coverage, the restoration period will begin
immediately following the inception of the
loss or damage causing the interruption in
your operations for which coverage is
sought under this Coverage Part, and will
conclude at the earlier of:

i. the date the property that incurred the
loss is rebuilt, repaired, or replaced;

ii. the date you could reasonably resume
your operations with no loss of earnings
or donation income resulting from such
loss or damage; or

iii. the date when you formally discontinue
your operations which were interrupted
by loss or damage.

b. Extra Expense: For losses covered by
Extra Expense, the restoration period will
begin immediately following the inception of
the loss or damage causing the interruption
in your operations for which coverage is
sought under this Coverage Part, and will
conclude at the earliest of:

i. the date the property that incurred the
loss is rebuilt, repaired, or replaced;

ii. the date you could reasonably resume
your operations in a permanent location;
or

iii. the date when you formally discontinue
your operations which were interrupted
by loss or damage.

This restoration period does not include any
increase in time due to the enforcement of any
ordinance, law, or decree that regulates or
requires:

a. the construction, use, repair, or demolition of
any property; or

b. the testing, evaluating, observing, or
recording the existence, level, or effects of
pollutants.

The restoration period is not limited by the
expiration date of the policy.

11. Tuition Earnings means the sum of tuition fees
and other income from educational or child care
operations, less the cost of conducting such
educational or child care operations that is not
necessary during the period of time that such
operations are not being conducted as a result of
loss by a covered peril. Tuition earnings does
not include camp earnings or rental
earnings/value.

EXCLUSIONS AND LIMITATIONS
The following provisions apply to coverage provided
by this Coverage Part:

1. Electronic Information: We do not cover loss
caused by damage to, loss of, or inability to
access electronic information beyond:

a. 60 consecutive days from the date of loss;
or

b. the time from the date of loss until the date
you could reasonably rebuild, repair, or
replace other damaged property at the de-
scribed premises caused by the same
occurrence,

whichever is greater.

Electronic information is media, programs, or
records for electronic data processing or
electronically controlled equipment including
films, tapes, discs, drums, or cells.

04M5A0494326

This exclusion does not apply if the Computer
Coverage form (BIM-7201) is endorsed to this
policy.

2. Finished Stock: We do not cover loss of
earnings caused by loss to stock manufactured
by you which is ready to pack, ship, or sell.

This does not apply to stock manufactured for
retail outlets that you own.

3. Leases, Licenses, Contracts, or Orders: We
do not cover any increase in loss due to the
suspension, lapse, or cancellation of leases,
licenses, contracts, or orders. However, we
do cover loss during the restoration period if
the suspension, lapse, or cancellation results
directly from the interruption of your operations.

4. Strikes, Protests, and Other Interference: We
do not cover any increase in loss due to
interference by strikers or other persons at the
described premises. This applies to interference
with rebuilding, repairing, or replacing the
property or with resuming your operations.

5. Unnecessary Expenses: We do not cover any
expenses that are not necessary during the
restoration period.

ADDITIONAL COVERAGES

The following provisions apply to coverage provided
by this Coverage Part:

1. Extra Expense for Weather Related
Cancellations of Scheduled Events: You may
extend your coverage for Extra Expense, for
which a limit is shown on the declarations, for a
total of up to $25,000 for any one occurrence to
cover expenses you legally incur as a direct
result of cancellation by you of your scheduled
event. This extension of coverage will only apply
if such cancellation is caused directly by the
occurrence of severe weather at the location of
your scheduled event.

2. Alterations and New Buildings: We extend
your coverage for Earnings and Donations and
Extra Expense to include loss caused by
damage to the following types of property at
premises described on the declarations,
caused by a peril covered by the Perils Part
shown on the declarations for this Coverage
Part:

a. additions or alterations;

b. new buildings or structures, completed or
under construction; and

c. machinery, equipment, supplies, or building
materials located on or within 100 feet of the
described premises used in the construction,
alterations, or additions; or incidental to the
occupancy of new buildings or structures.

If such a loss delays the start of your
operations, the restoration period starts from
the time your operations would have begun had
no loss occurred. This does not increase the
limit.

WHAT MUST BE DONE

IN CASE OF LOSS

The following provisions apply to coverage provided
by this Coverage Part:

1. Notice: In case of a loss, you must:

a. give us or our agent prompt notice including
a description of the property involved ( we
may request written notice); and
b. give notice to the police when the act that
causes the loss is a crime.

2. Protect Property: You must take all
reasonable steps to protect covered property at
and after an insured loss to avoid further loss.

We pay the reasonable costs incurred by you
for necessary repairs or emergency measures
performed solely to protect covered property
from further damage by a covered peril if a
covered peril has already caused a loss to
covered property. However, we do not pay for
such repairs or emergency measures performed
on property which has not been damaged by a
covered peril. This does not increase our limit.

3. Proof of Loss: You must send us, within 60
days after our request, a signed, sworn proof of
loss. This must include the time, place, and
circumstances of the loss, and other information
we request to investigate the loss.

4. Examination Under Oath: You must submit to
examination under oath in matters connected
with the loss as often as we reasonably request
and give us sworn statements of the answers. If
more than one person is examined, we have the
right to examine and receive statements

04M5A0494326

separately and not in the presence of others.

5. Records: You must produce records, including
tax returns and bank microfilms of all cancelled
checks, relating to val ue, loss and expense and
permit copies and extracts to be made of them
as often as we reasonably request.

6. Damaged Property: You must exhibit the dam-
aged and undamaged property as often as we
reasonably request and allow us to inspect or
take samples of the property.

7. Cooperation: You must cooperate in
performing all acts required by the Commercial
Property Coverage.

8. Intent to Continue Operations: If you intend
to continue your operations, you must resume
all or part of your operations as soon as
possible.

VALUATION

The following provisions apply to coverage provided
by this Coverage Part:

1. In determining a loss, we consider the
experience of your business before the loss and
the probable experience had no loss occurred.

2. The salvage value of any property bought for
temporary use shall be deducted from the
amount of loss determined to apply for Extra
Expense.

3. We do not pay for any increase in loss due to
your failure to use reasonable efforts to resume
all or part of your operations. This includes
making use of other locations and property to
reduce the loss.

4. If your operations are not resumed as soon as
possible, or if it is not resumed at all, the value
of loss payment is based on the period of time it
would have otherwise taken to resume your
operations as soon as possible.

HOW MUCH WE PAY
The following provisions apply to coverage provided
by this Coverage Part:

1. Limit: We pay no more than the limit shown on
the declarations for the Coverage Options
provided by this Coverage Part.

2. Limit for Additional Policy Perils: For covered
losses caused by any perils other than the
following:

a. the perils listed in the Perils Part shown on
the declarations for this Coverage Part;

b. Interruption by Civil Authority;

c. Utility Failure; and

d. Food Contamination,

we will pay no more than the lesser of:

a. the limit determined under the Limit
provision in this How Much We Pay section,
or

b. the limit specifically shown on the
declarations or in a policy form which
provides coverage for perils not listed
above.

3. Donation Income Losses: For losses of your
donation income , if a covered cause of loss
occurs, and such loss causes your actual
monthly donation to fall below your average
monthly donation , then we will pay the lesser
of:

a. an amount equal to the difference in giving
for each applicable monthly giving period
in which such difference in giving occurs;
or

b. the limit determined under the Limit
provision in this How Much We Pay section.

If the restoration period for your loss spans
multiple monthly giving periods , and you do
not sustain a difference in giving during one or
more of these monthly giving periods , we will
pay no more than the net loss of your donation
income during the restoration period
. We may
make provisional payments for your loss of
donation income during the course of the
restoration period.

4. Insurance Under More Than One Coverage:

If more than one coverage of this policy insures
the same loss, we pay no more than the actual
claim or loss sustained.

5. Insurance Under More Than One Policy: You

04M5A0494326

may have another policy subject to the same
plan, terms, conditions, and provisions as this
policy. If you do, we pay our share of the
covered loss. Our share is the proportion that
the applicable limit under this policy bears to the
limit of all policies covering on the same basis.

If there is another policy covering the same loss,
other than that described above, we pay only for
the amount of covered loss in excess of the
amount due from that other policy, whether you
can collect on it or not. But we do not pay more
than the applicable limit.

04M5A0494326
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&RS\ULJKW%URWKHUKRRG0XWXDOΖQVXUDQFH&RPSDQ\ 3DJHRI $OO5LJKWV5HVHUYHG
The property coverage provided by this policy is subject to the provision shown below. The COMMERCIAL PROPERTY COVERAGE CONDITIONS (BCP-100), the PERILS PART, and either the BUILDING AND PERSONAL PROPERTY COVERAGE PART (BCP-12) or the BUILDERS’ RISK COVERAGE PART (BCP-14) (if indicated on the Declarations as applying to a particular building) also apply except to the extent modified by the provisions of this endorsement.

This policy provides no flood/water damage coverage of any kind other than the limited flood/water damage coverage conveyed herein. The applicable water damage limit provided herein represents the most we will pay for all water damage/flood loss, regardless of the amount of actual loss or damage sustained. More expansive flood coverage is available from the federal government, and it's your responsibility to decide whether you wish to protect your property from flood and water damage through this federal government program.

T
HIS INSURANCE ENDORSEMENT FORMS PART OF YOUR POLICY CONTRACT.

PLEASE READ IT CAREFULLY.

WATER DAMAGE - FLOOD, BACKUP, AND SUBSURFACE
- $10,000 Coverage Limit -

AGREEMENT
We provide the following additional coverages when
CP-83, Broad Perils Part or BCP-85, Special Perils
Part applies.

PERILS COVERED

ADDITIONAL PERILS COVERAGE
We provide the following perils coverages which are
subject to the policy deductible.

WATER DAMAGE
Water Damage : We cover up to a maximum of
$10,000 for direct loss to covered property caused by
water damage, and the necessary clean-up of
resulting mold, mildew, rot or fungi, from the following sources:

1. flood; surface water; waves, including, but not
limited to, tidal wave and tsunami; tidal water;
tides; overflow of any body of water; or spray from
any of these; all whether or not driven by wind.

This includes, but is not limited to, storm surge,
storm tide, and tidal surge;

2. water that backs up through, overflows from, or is
otherwise discharged from:
a. a sewer or drain;
b. a sump, sump pump, or related equipment;
or
c. any other type of system designed to remove
subsurface water which is drained from the
foundation area;

3. water below the surface of the ground. This
includes water that exerts pressure on or flows,
seeps, or leaks through or into:
a. basements, whether paved or not;
b. doors, windows, or other openings;
c. foundations, floors, walls, or paved surfaces;
or
d. swimming pools, septic tanks, or other
structures; or

4. material present in or otherwise moved by water
described in items 1. through 3. above.
unless such damage is caused by or associated with
any negligence of an insured.

This coverage is excess over any other coverage
provided by any other policy that covers water
damage (including, but not limited to, a policy or
program provided by the National Flood Insurance
Program), except for coverage for sewer and drain
back-up that is provided by Sewer and Drain Back-up
Extension (BCP-135), if such coverage is properly
designated in the declarations of this policy.

The $10,000 limit is the maximum payment for any
loss involving or related to water damage as
described above.

04M5A0494326

Page 2 of 2 ends

All Rights Reserved
The Water exclusions in the CP-83, Broad Perils
Part, or the BCP-85, Special Perils Part are deleted to the extent that coverage is granted by this additional
peril.

04M5A0494326
BCP-135 CA (4.1) Copyright 2015, Brotherhood Mutual Insurance Company Page 1 of 2 All Rights Reserved
The property coverage provided by this policy is subject to the provision shown below. The COMMERCIAL PROPERTY COVERAGE CONDITIONS (BCP-100), the PERILS PART, and either the BUILDING AND PERSONAL PROPERTY COVERAGE PART (BCP-12) or the BUILDERS’ RISK COVERAGE PART (BCP-14) (if indicated on the Declarations as applying to a particular building) also apply except to the extent modified by the provisions of this endorsement.
- PLEASE READ THIS CAREFULLY -

SEWER AND DRAIN BACK-UP EXTENSION

SCHEDULE
(The information required below may be shown on a separate schedule and/or supplemental declarations.) Loc.

No.

Bldg.

No.

Description of Property Limit

AGREEMENT
We provide the following additional coverages when:
a. CP-83, Broad Perils Part or BCP-85, Special
Perils Part applies; and
b. BCP-25, BCP-26, or BCP-27, Water
Damage Coverage Part also applies.

PERILS COVERED

ADDITIONAL PERILS COVERAGE
We provide the following perils coverage, which is
subject to the policy deductible.

SEWER AND DRAIN BACK-UP

EXTENSION
Sewer and Drain Back-up - We will pay up to the
limit shown on the Schedule above for the covered
property, for direct loss to covered property caused
by water that backs up through sewers or drains.

EXCLUSIONS
Coverage provided by this endorsement does not
apply if water backs up through sewers or drains and
is caused by or associated with:

1. your negligence;

2. flood; surface water; waves, including, but not
limited to, tidal wave and tsunami; tidal water;
tides; overflow of any body of water; or spray
from any of these; all whether or not driven by
wind. This includes, but is not limited to, storm
surge, storm tide, and tidal surge;

4. material present in or otherwise moved by water
described in items 2. and 3. above.

All All See Declarations See Declarations

04M5A0494326

Page 2 of 2 ends

1. apply regardless of the cause of the water or the
material described or moved by water described
under items 2. through 4. above, whether or not
such cause is an act of nature; and

2. apply to, but are not limited to, water and material present in or carried or moved by water, whether
or not driven by wind, that:
a. overtops;
b. escapes from;
c. is released from; or
d. is otherwise discharged from:
a dam, levee, dike, floodgate, seawall, or other
device or feature designed or used to retain,
contain, or control water.

However, if fire, explosion, or sprinkler leakage (if
any of these are covered perils) results, we do cover
the resulting loss.

The Water exclusions in the CP-83, Broad Perils
Part, or the BCP-85, Special Perils Part are deleted
to the extent that coverage is granted by this
coverage extension.

HOW MUCH WE PAY
The coverage granted by this extension is excess
over coverage for sewer and drain back-up that is
provided by a Water Damage Coverage Part ( BCP-
25, BCP-26, or BCP-27 ). The most we will pay for a
loss covered by the applicable Water Damage
Coverage Part and the coverage provided by this
extension of coverage is the limit shown on the
Schedule above for the covered property, except for
damage related to mold, mildew, rot, or fungi then the
most we will pay is $10,000.

04M5A0494326
B SEB-100 (4.1) Copyright 2015. Brotherhood Mutual Insurance Company Page 1 of 8 The property coverage provided by this Policy is subject to the provision shown below. The terms and conditions of the Policy to which the Endorsement is attached shall apply except to the extent modified by the provisions of this Endorsement.

T
HIS INSURANCE ENDORSEMENT FORMS PART OF YOUR POLICY CONTRACT.

PLEASE READ IT CAREFULLY.

SYSTEMS / EQUIPMENT BREAKDOWN COVERAGE

AGREEMENT
We agree to provide the following additional insurance
for loss to covered property caused by a breakdown
to covered equipment.

DEFINITIONS
As respects coverage provided under this
Endorsement only, the following Definitions are
added:

1. For purposes of this property coverage, the
words you and your mean the persons or
organizations shown as the Named Insured on
the declarations.

2. The words we and our mean the company
providing this Systems/Equipment Breakdown
Coverage.

3. Breakdown means the following direct physical
loss, that causes physical damage to covered
equipment and necessitates its repair or
replacement;
a. failure of pressure or vacuum equipment; or
b. mechanical failure including rupture or
bursting caused by centrifugal force; or
c. electrical failure including arcing;
unless such loss or damage is otherwise
excluded within this Policy or any Endorsement
forming a part of this Policy.

Breakdown does not mean or include:
a. cracking of any part on an internal
combustion gas turbine exposed to the
products of combustion;
b. damage to any structure or foundation
supporting the covered equipment or any of
its parts;
c. damage to any vacuum tube, gas tube, or
brush;
d. defects, erasures, errors, limitations or
viruses in computer equipment , data,
media and/or programs including the inability
to recognize and process any date or time or
provide instructions to covered equipment.

However, if a breakdown ensues, we will
pay the ensuing loss or damage not
otherwise excluded;
e. functioning of any safety or protective device;
f. leakage at any valve, fitting, shaft seal, gland
packing, joint or connection; or
g. malfunction including but not limited to
adjustment, alignment, calibration, cleaning
or modification.

4. Computer equipment means your
programmable electronic equipment that is used
to store, retrieve and process data; and
associated peripheral equipment that provides
communication including input and output
functions such as printing or auxiliary functions
such as data transmission. It does not include
media or data.

5. Covered equipment
a. Covered equipment means any:
(1) equipment designed and built to operate
under internal pressure or vacuum other
than weight of contents;
(2) electrical or mechanical equipment that
is used in the generation, transmission or

04M5A0494326

Page 2 of 8 ends

utilization of energy;
(3) communication equipment and
computer equipment; or
(4) fiber optic cable.
b. Covered equipment includes metal heat
exchangers of hot air heating units. For any
boiler or fired vessel, the firebox of the
covered equipment and the gas passages
from there to the atmosphere will be
considered as outside the covered
equipment.
c. Covered equipment does not mean any:
(1) astronomical telescope, cyclotron used
for other than medical purposes, nuclear
reactor, particle accelerator used for
other than medical purposes, satellites
and/or spacecraft (including satellite or
spacecraft contents and/or their launch
sites);
(2) catalysts;
(3) dragline, power shovel, excavation or
construction equipment including any
covered equipment mounted on or
used solely with any dragline, power
shovel, excavation or construction
equipment;
(4) equipment or any part of equipment
manufactured by you for sale;
(5) felt, wire, screen, mold, form, pattern,
die, extrusion plate, swing hammer,
grinding disc, cutting blade, non-
electrical cable, chain, belt, rope, clutch
plate, brake pad, non-metal part or any
part or tool subject to periodic
replacement;
(6) firebox, combustion chamber or flue;
(7) insulating or refractory material;
(8) media;
(9) non-metallic pressure or vacuum
equipment, unless it is constructed and
used in accordance with the American
Society of Mechanical Engineers
(A.S.M.E.) code or a Code that has been
accepted by the National Board of Boiler
and Pressure Vessel Inspectors;
(10) part of pressure or vacuum equipment
that is not under internal pressure of its
contents or internal vacuum;
(11) power generating equipment;
(12) pressure vessels and piping that are
buried below ground and require the
excavation of materials to inspect,
remove, repair or replace;
(13) structure, foundation, cabinet or
compartment supporting or containing
the covered equipment or part of the
covered equipment including penstock,
draft tube or well casing;
(14) vehicle, aircraft, self-propelled equipment
or floating vessel, including any covered
equipment mounted on or used solely
with any vehicle, aircraft, self-propelled
equipment or floating vessel.

6. As used in the Endorsement, covered property
means any building, structure or personal
property that you:
a. own;
b. is in your care, custody or control and for
which you are legally liable; or
c. for which you are required to provide
insurance;
as covered elsewhere in this Policy.

7. Data means programmed and recorded material
stored on media and programming records used
for electronic data processing, or electronically
controlled equipment.

8. Fungus means any type or form of fungus,
including mold or mildew and any mycotoxins,
spores, scents or by-products produced or
released by fungi.

9. Hazardous substance means any substance,
other than ammonia, that has been declared to
be hazardous to health by a governmental
agency.

10. Media means electronic data processing or

04M5A0494326
B SEB-100 (4.1) Copyright 2015. Brotherhood Mutual Insurance Company Page 3 of 8 storage material such as films, tapes, discs,
drums or cells.

11. One breakdown means if an initial breakdown
causes other breakdowns, all will be considered
one breakdown.

All breakdowns at any one location that manifest
themselves at the same time and are the result of
the same cause will be considered one
breakdown. If an initial breakdown causes
other breakdowns, all will be considered one
breakdown.

12. Perishable goods means covered property
maintained under controlled conditions for its
preservation that is susceptible to loss or
damage if the controlled conditions change.

13. Power generating equipment means any
pressure, mechanical or electrical equipment,
machinery, apparatus used in, or associated with,
the generation of electric power; but it does not
include emergency power generating equipment
less than or equal to 1000 kw capacity.

14. Specified Perils. When this Endorsement forms
a part of the Policy, breakdown to covered
equipment is understood to be included in the
Definition of specified perils found elsewhere in
this Policy.

COVERAGE
As respects coverage provided under this Policy, the
following coverage is added:

1. Systems / Equipment Breakdown Protection.

We will pay for direct physical damage caused by
a breakdown to covered property for which a
limit is shown on the declarations.

Except as limited herein, the most we will pay is
the applicable limit on the declarations.

2. Coverage Extensions.

As respects coverage provided under this
Endorsement only, the following are added:
a. Additional Coverages as may be found
elsewhere in this Policy shall extend to loss or
damage resulting from a breakdown to
covered equipment, except as modified in b.
below.
b. With regard to coverage provided under this
Endorsement only, insurance is extended for
the following Additional Coverages:
(1) Business Income and Extra Expense.

We will also pay your actual losses or
expenses as insured under l
oss of
business income coverage and/or extra
expense coverage extensions if selected
for coverage elsewhere in the Policy when
such loss or expense results from a
breakdown to covered equipment.
(2) Drying Out.

If covered electrical equipment requires
drying out as a result of flood, we will pay
for direct expenses of such drying out.

This coverage does not include the cost to
replace such equipment or any other loss,
damage or expense that results directly or
indirectly from flood.
(3) Electrical Surge or Electrical
Disturbance.
(a) Subject to the following qualification
provisions, and to applicable
exclusion and exclusion-exception
provisions in the Exclusions section,
we will extend breakdown coverage
for any loss or damage due to an
electrical surge or other electrical
disturbance at a location indicated in
the declarations:
(i) caused by an incident occurring
away from any location
described on the declarations
that would have been covered as
a Property loss under the
applicable peril-form had the
incident occurred at a location
indicated in the declarations; or
(ii) caused from an originating
source, whether or not at a
location indicated in the
declarations.
(b) Such electrical surge or electrical
disturbance must have
(i) been transmitted through utility
service transmission line(s) to a
location indicated in the
declarations;
(ii) resulted in a breakdown to

04M5A0494326

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covered equipment that is
covered property; and
(iii) such loss or damage is not
covered elsewhere in this Policy.
(4) Expediting Expense.

With respect to your damaged covered
property, we will pay the reasonable
extra cost to:
(a) make temporary repairs; and
(b) expedite permanent repairs or
permanent replacement.
(5) Fungus, Mold, Dry Rot and Wet Rot.
(a) With respect to coverage provided
under this endorsement, we will pay
for loss or damage by fungus, wet or
dry rot only when the fungus, wet or
dry rot is the direct result of a
breakdown to covered equipment
that occurs during the Policy period.

As used in this Coverage Extension,
the term loss or damage means direct
physical loss to covered property
caused by fungus, wet or dry rot
including the cost:
(i) to treat, contain or remove
fungus, wet or dry rot;
(ii) to dispose of fungus, wet or dry
rot;
(iii) to tear out and replace any
covered property as needed to
gain access to fungus, wet or dry
rot;
(iv) of testing performed after
removal, repair, replacement or
restoration of the damaged
property is completed provided
there is a reason to believe that
fungus, wet or dry rot is present.
(b) We will also pay your actual losses or
expenses as insured under l
oss of
business income coverage and/or
extra expense coverage extensions if
selected for coverage elsewhere in
the Policy when such loss or expense
results loss as covered under

2.b.(5)(a) above resulting from a
breakdown to covered equipment.
(c) The maximum we will pay for
coverage under this extension will be
$25,000.
(6) Hazardous Substance.

With regard to coverage provided under
this Endorsement only, insurance for
Pollutant Clean-Up and Removal
expenses as may be found elsewhere in
this Policy is deleted and replaced with the
following.

If covered property is damaged,
contaminated or polluted by a hazardous
substance as a direct result of a
breakdown to covered equipment, we
will pay for any additional expenses
incurred by you for clean-up, repair,
replacement or disposal of that property.

The maximum we will pay for coverage
under this extension will be $100,000.

For this Coverage Extension, additional
expenses means the additional cost
incurred over and above the amount that
we would have paid had no hazardous
substance been involved with the loss.

Ammonia is not considered to be a
hazardous substance as respects this
extension.
(7) Media or Data Coverage.

If media is damaged, or data is lost or
corrupted, as a direct result of a
breakdown to covered equipment ,
insurance as may be provided under
Coverage Extensions 2.b.(1) above, is
extended to also pay your actual losses
during the time necessary to:
(a) research, recreate, replace or
restore the damaged media or lost
or corrupted data; and
(b) reprogram instructions used in any
covered computer equipment.

The maximum we will pay for coverage
under this extension is $100,000.

There shall be no coverage for any media
or data that cannot be replaced,
recreated, or restored.

04M5A0494326
B SEB-100 (4.1) Copyright 2015. Brotherhood Mutual Insurance Company Page 5 of 8 (8) Ordinance or Law Extension -
Increased Cost of Construction.

We will pay your actual losses or
expenses as insured under Ordinance or
Law Extension if selected for coverage
elsewhere in the Policy when such loss
or expense results from a breakdown to
covered equipment.
(9) Refrigerant Contamination.

If covered property is contaminated by
refrigerant as a direct result of a
breakdown to covered equipment, we
will pay for this kind of damage, including
clean-up, repair or replacement or
disposal of that property and salvage
expense. The maximum we will pay for
coverage under this extension is
$100,000.
(10) Spoilage.

We will pay for:
(a) loss of perishable goods due to
spoilage resulting from a change in
controlled conditions resulting solely
from a breakdown to covered
equipment.
(b) your loss resulting from the
interruption of utility services if the
following conditions are met:

The Conditions are:
(i) the interruption is the direct
result of a breakdown to
covered equipment owned,
operated or controlled by the
local private or public utility or
distributor that directly
generates, transmits, distributes
or provides utility services which
you receive; and
(ii) the covered equipment is used
to supply air conditioning,
communication services, electric
power, gas, heating,
refrigeration, steam, water or
waste treatment to your
described premises.
(c) any necessary expenses incurred to
reduce the amount of loss under this
Coverage Extension. 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
Extension.

The maximum we will pay under this
extension is the limit specified for
Spoilage elsewhere in the Policy.
(11) Transportable Covered Equipment.

If you have transportable covered
equipment that, at the time of a
breakdown, is within the Coverage
Territory, but is not at a location indicated
in the declarations ; or at any other
location owned or leased by you, we will
pay for any loss or expense as otherwise
covered by this Endorsement to such
covered equipment. The maximum we
will pay for coverage under this
extension is $100,000.
(12) Utility Interruption-Business Income
and/or Extra Expense.

Coverage as may be provided under
Additional Coverage 2.b.(1) above is
extended to include loss from the
interruption of utility services. We will pay
for your loss(es) resulting from the
interruption of utility services if the
following conditions are met:

The Conditions are:
(a) the interruption is the direct result of
a breakdown to covered
equipment owned, operated or
controlled by the local private or
public utility or distributor that directly
generates, transmits, distributes or
provides utility services which you
receive; and
(b) the covered equipment is used to
supply air conditioning,
communication services, electric
power, gas, heating, refrigeration,
steam, water or waste treatment to
your described premises.
(13) Water Damage.
(a) If covered property is damaged by
water released as a direct result of a
breakdown to covered equipment,

04M5A0494326

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we will pay for this kind of damage,
including salvage expense. The
maximum we will pay for coverage
under this extension is $50,000.
(b) If coverage is provided elsewhere in
this Policy for water damage resulting
from sump overflow, we will also pay
for water damage resulting from a
breakdown to a sump pump. The
most we will pay for water damage
resulting from a breakdown to a
sump pump is $5,000. This limit is
part of, not in addition to, the Water
Damage limit identified in paragraph

2.b.(13)(a) above.

The most we will pay under these Coverage
Extensions are the applicable Limits of Insurance
shown on the declarations or as may be found
elsewhere in this Policy or in this Endorsement.

EXCLUSIONS
As respects coverage provided under this
Endorsement only, the following exclusions apply. We
do 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.

1. Aircraft, Civil Commotion, Collapse, Combustion
Explosion, Fire, Freezing caused by cold
weather, Hail, Lightning, Molten Material, Objects
falling from Aircraft or missiles, Riot, Smoke,
Vandalism, Weight of Snow, Ice or Sleet,
Vehicles, and Windstorm.

2. Depletion, deterioration, corrosion, erosion, wear
and tear, rust, or decay. However, if a
breakdown ensues, we will pay the ensuing loss
or damage not otherwise excluded.

3. Earth Movement or Volcanic Action - any earth
movement (including sinkhole collapse,
regardless of how sinkhole was created),
eruption, explosion or effusion of a volcano.

Earth movement includes, but is not limited to
earthquake; landslide; mudflow; mudslide; mine
subsidence; or sinking, rising or shifting of earth.

4. Explosion, except of explosion of the following
types of covered equipment:
a. steam boiler, electric steam generator, steam
piping, steam turbine, and steam engine; or
b. gas turbine or other moving or rotating
machinery, when such explosion is caused
by centrifugal force or mechanical
breakdown.

5. Fungus, Wet Rot and Dry Rot - The presence,
growth, proliferation, spread or activity of fungus,
wet or dry rot, except as provided under
Coverage Extension 2.b.5. of this Endorsement.

However, if a breakdown to covered
equipment ensues, we will pay the ensuing loss
or damage not otherwise excluded or limited.

6. Ordinances or Law. Increase in loss from the
enforcement of any ordinance, law, rule,
regulation or ruling which restricts or regulates
the repair, replacement, alteration, use,
operation, construction, installation, clean-up or
disposal of covered property , except as
provided under a Coverage Extension 2.b.8 of
this Endorsement.

However the words 'use' and 'operation' shall be
eliminated as respects a covered breakdown to
electrical supply and emergency generating
equipment located on any described premises
identified in the declarations , when continued
operation is contingent on the presence of such
electrical supply and emergency generating
equipment as mandated by any government
agency.

7. As respects any transportable covered
equipment, or covered equipment mounted on
a vehicle, we will not pay for loss or expense
from a breakdown that results from or is caused
by collision, upset, overturning or collapse of the
covered equipment or of the vehicle on which
the covered equipment is mounted.

8. Damage to covered equipment undergoing a
test which subjects such covered equipment to
greater than maximum allowable operating
conditions as identified by the manufacturer of
the covered equipment.

9. Water or other means used to extinguish a fire,
even when the attempt is unsuccessful.

10. With respect to Business income and/or Extra
Expense Coverage and Utility Interruption
Coverage, if selected, the following additional
exclusions will apply:

04M5A0494326
B SEB-100 (4.1) Copyright 2015. Brotherhood Mutual Insurance Company Page 7 of 8 a. the business that would not or could not have
been carried on if the breakdown had not
occurred; or
b. your failure to use due diligence and
dispatch to operate your business as nearly
normal as practicable at the described
premises shown in the declarations; or
c. the suspension, lapse or cancellation of a
contract following a breakdown extending
beyond the time business could have
resumed if the contract had not lapsed, been
suspended or cancelled.

11. With respect to Utility Interruption and Electrical Surge or Electrical Disturbance extensions, the
following additional exclusions will apply:
a. acts of sabotage;
b. deliberate act(s) of load shedding by the
supplying or distributing utility.

12. With respect to Electrical Surge or Electrical
Disturbance extension, Exclusions 1., 5., and 9. of
this Endorsement do not apply.

13. We will not pay for any loss or expense under this
Endorsement for which coverage is insured
elsewhere in this Policy.

LIMITATIONS
Animals - We do not cover loss to animals, including
birds or fish, except death or destruction of animals
caused by a breakdown to covered equipment.

CONDITIONS
As respects coverage provided under this
Endorsement only, the following shall apply:

1. Inspection.

We have the right but are not obligated to make
inspections and surveys at any time, give you
reports on the conditions we find, and
recommend changes, except as provided herein.

Any inspections, surveys, reports or
recommendations 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 are
safe or healthful; or comply with laws,
regulations, codes or standards.

2. Jurisdictional Inspections.
a. At your option, we will provide pressure
vessel certificate-of-operation engineering
services for boilers and other pressure
vessels where:
(1) We have been notified of equipment that
is insured under this Endorsement that
requires a certificate-of-operation;
(2) The certificate-of-operation is required by
a state, city or provincial law; and
(3) The state, city or provincial law permits
inspections by insurance company
employees.
b. If we receive notification of a pressure vessel
certificate-of-operation inspection less than
thirty (30) days prior to the expiration of the
certificate-of-operation, we will not be
responsible for:
(1) Any fine or other penalty that may be
assessed; or
(2) Any liability that may arise;
due to the fact that inspection was not
performed prior to the expiration of the
certificate-of-operation.
c. Certificate-of-operation inspection
engineering services will be provided only for
locations in the United States of America,
Puerto Rico and Canada.

3. Suspension.

Whenever covered equipment is found to be in,
or exposed to, a dangerous condition, any of our
representatives may immediately suspend the
coverage provided by this Endorsement. We will
deliver or mail a written notice of suspension to
your last known address or the address where
the covered equipment is located.

Once suspended in this way, your coverage can
be reinstated only by an Endorsement for that
covered equipment.

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If we suspend your coverage, 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.

4. Equipment Breakdown Valuation.

We will determine the value of covered property
in the event of loss or damage resulting from a
breakdown to covered equipment as follows:
a. Except as identified in paragraph 4.e. below,
we will pay the amount you spend to repair,
rebuild or replace covered property with
other property of like kind, quality and
capacity if such covered property is directly
damaged by a breakdown to covered
equipment. Our payment will be the
smallest of:
(1) the cost to repair the damaged property;
or
(2) the cost to replace the damaged
property; or
(3) the amount you actually spend that is
necessary to repair or replace the
damaged property; or
(4) the limit of insurance shown on the
declarations.

If your damaged covered property is not
repaired or replaced, then we will pay the
actual cash value of the damaged covered
property. We will not pay for such damaged
property that is obsolete or useless to you.
b. If covered equipment cannot be repaired or
the cost to repair is more than the cost to
replace, and the cost to repair the damage to
the covered equipment equals or exceeds
100% of the actual cash value of the
covered equipment , you may choose to
apply the following provision.

New Generation Coverage – If you want to
replace damaged covered equipment with a
newer generation of covered equipment
of
the same capacity, we will pay up to 25%
more than the cost at the time of the
breakdown to replace the covered
equipment with equipment of like kind,
quality and capacity.
c. Except for New Generation Coverage, you
must pay the extra cost of replacing
damaged property with property of a better
kind or quality or of a larger capacity.
d. If any damaged covered property that is
intended for your use is protected by an
extended warranty or maintenance or service
contract; and that warranty or maintenance
or service contract becomes void or
unusable due to a breakdown, we will
reimburse you for the prorated amount of the
unused costs of non-refundable, non-
transferable warranties or contracts.
e. We will determine the value of perishable
goods damaged by spoilage as follows:
(1) for raw materials, the replacement cost;
(2) for goods in process, the replacement
cost of the raw materials, the labor
extended and the proper proportion of
overhead charges; and
(3) for finished goods, the selling price, as if
no loss or damage had occurred, less any
discounts you offered and expenses you
otherwise would have had.

04M5A0494326
BCP-12B CA (4.5) Copyright 2018, Brotherhood Mutual Insurance Company Page 1 of 15 All Rights Reserved.

Contains material from American Association of Insurance Services, Inc., with its permission.

This COMMERCIAL PROPERTY COVERAGE is subject to the terms shown below and also the terms of the COMMERCIAL PROPERTY COVERAGE CONDITIONS (BCP-100) and PERILS PART. The terms of this COVERAGE PART do not apply to the INLAND MARINE coverages provided by this policy.

THIS INSURANCE ENDORSEMENT FORMS PART OF YOUR POLICY CONTRACT.

PLEASE READ IT CAREFULLY.

BROADENED BUILDING AND PERSONAL PROPERTY COVERAGE PART

AGREEMENT
In return for your payment of the required premium,
we cover direct physical loss to covered property at
the premises described on the declarations caused
by a covered peril.

PROPERTY COVERED
We cover the following types of property for which a
limit is shown on the declarations.

BUILDING PROPERTY
This means buildings and structures for which a limit
is shown and which are described on the
declarations, including:

1. completed additions;

2. fixtures, machinery and equipment that are a
permanent part of the described building or
structure;

3. outdoor fixtures;

4. personal property owned by you and used to
maintain or service the described building or
structure or its premises, including air-conditioning
equipment; fire extinguishing apparatus; floor
coverings; and appliances for refrigerating,
cooking, dishwashing and laundering.

5. if not covered by other insurance;
a. alterations and repairs to the building or
structure;
b. materials, equipment, supplies, and
temporary structures, on or within 100 feet of
the described premises, used for making
additions, alterations or repairs to the building
or structure.

Renovation Project: If not covered by the Builder’s
Risk Coverage Part (BCP-14) or other insurance,
BUILDING PROPERTY includes your renovation
project. Coverage will apply for your renovation
project until the earliest of the following:

1. this policy expires or is cancelled; or

2. you no longer have an interest in the property; or

3. the end of the policy period.

CLERGY MINISTRY PERSONAL PROPERTY
This means personal property for which a limit is
shown and which is described on the declarations if
the property is:

1. owned by your clergy or administrators;

2. used primarily for ministry purposes;

3. in your care, custody, or control; and

4. located in the buildings and structures described
on the declarations or in the open (or in vehicles)
on or within 100 feet of the described premises.

When the ministry personal property of your clergy or
administrators is located within a residential premises of the clergy or administrator that owns the ministry
personal property, this coverage will be excess over
any other policy of insurance that applies to the
property.

Our payment for loss to ministry personal property of
your clergy or administrators is only for the benefit of the clergy or administrator that owns the ministry
personal property.

ORGANIZATIONAL PERSONAL PROPERTY
This means your organizational personal property for
which a limit is shown and which is described on the
declarations, that is located in the buildings and
structures described on the declarations or in the
open (or in vehicles) on or within 100 feet of the

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Contains material from American Association of Insurance Services, Inc., with its permission. described premises. Unless otherwise specified on
the declarations, this includes:

1. your interest in personal property of others to the
extent of your labor, material and services,

2. your use interest as a tenant in improvements to
the described buildings and structures. These
tenants’ improvements include fixtures,
alterations, installations, or additions:
a. to buildings and structures you occupy but do
not own; and
b. which were made or acquired at your
expense and which cannot be legally removed
by you;

3. leased personal property which you have a
contractual responsibility to insure, unless
otherwise insured by this Commercial Property
Coverage under Personal Property of Others; and

4. building glass in buildings you do not own if you
have a contractual responsibility to insure such
glass.

PERSONAL PROPERTY OF OTHERS
This means personal property of others for which a
limit is shown and which is described on the
declarations if the property is:

1. in your care, custody, or control; and

2. located in the buildings and structures described
on the declarations or in the open (or in vehicles)
on or within 100 feet of the described premises.

Our payment for loss to personal property of others is
only for the benefit of the owners of the personal
property.

PROPERTY IN THE OPEN
This means your property, for which a limit is shown
and which is described on the declarations,w h i c h i s located or intended to be used outside of buildings or
structures.

RENTED PERSONAL PROPERTY OF OTHERS
This means personal property that you rent from
others, subject to a written rental agreement, for which a limit is shown on the declarations. We cover loss
while the property is located anywhere in the world.

TENANTS’ IMPROVEMENTS
This means your use interest as a tenant in
improvements to buildings and structures which are
described on the declarations and for which a limit of
Tenants’ Improvements is shown. These tenants’
improvements include fixtures, alterations,
installations, or additions to a building or structure you occupy but do not own, which were made or acquired
at your expense and which cannot be legally removed
by you.

PERILS COVERED
See the applicable Perils Part shown on the
declarations.

PROPERTY EXCLUDED AND

LIMITATIONS
The exclusions and limitations in this section apply to a loss except to the extent that:
a. a limit is specifically shown on the declarations
for the type of property listed in this section; or
b. coverage is specifically provided elsewhere within
this policy for the property listed in this section.

Exclusions 3, 11 and 12 in this section will apply
regardless of any other coverage granted within this
policy.

1. Animals: We do not cover animals, including
birds and fish, unless owned by others and board-
ed by you. We do cover animals you own and
hold for sale.

2. Antennas, Art/Decorative Objects, Erected
Canopies, Erected Tents, Fences, Light-
bearing Standards or Poles, Signs, and
Recreational Equipment: Except for Property in
the Open and Rented Personal Property of Others
scheduled on the declarations, or as provided
under Supplemental Coverages, we do not cover
outdoor:
a. radio, television, satellite dish type or other
antennas, including their masts, towers and
lead-in wiring;
b. art/decorative objects or materials whose
primary function is decoration;
c. erected canopies or awnings of fabric or slat
construction and their supports, except
awnings attached to a described building, and
erected tents and their supports;
d. fences;
e. light-bearing standards or poles, vehicle

04M5A0494326
BCP-12B CA (4.5) Copyright 2018, Brotherhood Mutual Insurance Company Page 3 of 15 All Rights Reserved.

Contains material from American Association of Insurance Services, Inc., with its permission. electrical charging stations;
f. signs, other than signs attached to buildings;
or
g. permanently installed recreational equipment,
which includes, but is not limited to,
playground equipment.

3. Contraband: We do not cover contraband or
property in the course of illegal transportation or
trade.

4. Foundations, Retaining Walls, Piling, Piers,
Wharves, or Docks: Except as provided under
Supplemental Coverages, we do not cover
foundations which are below the lowest basement
floor or below ground level if there is no basement,
retaining walls that are not part of buildings or
structures; or pilings, piers, wharves, or docks.

5. Grave Markers/Headstones: Except as provided
under Supplemental Coverages, we do not cover
grave markers and headstones located on your
premises.

6. Land; Water; Growing Crops or Lawns; Cost of
Excavations, Grading or Filling; Paved
Surfaces; or Underground Pipes, Flues, or
Drains: We do not cover:
a. land, including land on which the property is
located;
b. underground or surface water;
c. growing crops or lawns;
d. cost of excavations, grading or filling;
e. paved outdoor surfaces, including driveways,
parking lots, roads, curbs, bridges, and walks;
or
f. underground pipes, flues, and drains.

7. Money and Securities: Except as provided under
Additional Coverages, we do not cover accounts,
bills, currency, food stamps, or other evidences of
debt, lottery tickets not held for sale, money,
notes, or securities.

8. Property More Specifically Insured: We do not
cover property which is more specifically insured
in whole or in part by any other insurance.

9. Trees, Shrubs, and Plants: Except as provided
under Supplemental Coverages, we do not cover
trees; shrubs; plants; and grain, hay, straw, or
other crops, when outdoors. However, we do
cover trees, shrubs, and plants you own and hold
for sale.

10. Valuable Papers and Records - Research Cost:

Except as provided under Additional Coverages,
we do not cover the cost to research, replace, or
restore the information on valuable papers and
records, including those which exist on electronic
or magnetic media.

11. Vehicles, Aircraft, and Watercraft: We do not
cover:
a. vehicles or other self-propelled machines, that
are:
1) required to be licensed for use on public
roads; or
2) operated principally away from the
described premises:
b. aircraft; or
c. watercraft.

Except as provided under Supplemental
Coverages, we do not cover the equipment,
accessories, and spare parts of any of these
excluded items or trailers.

We do cover vehicles or self-propelled machines
you manufacture, process, warehouse, or hold for
sale. However, this does not include autos
you
hold for sale. We also cover rowboats or canoes
out of water at the described premises.

12. The Nuclear Hazard exclusion in the Perils Part
(CP-83, Broad Perils Part or BCP-85, Special
Perils Part) applies to all coverages of this policy.

In addition to the Nuclear Hazard exclusion set
forth in the Perils Part, the following exclusion will
apply to all coverages of this policy:

We do not cover loss to property arising directly or
indirectly out of or in connection with any act that
is undertaken with the intent to cause injury,
damage or harm to any person or entity if such act
involves one or more of the following:
a. the use, release, dispersal, application or
escape of any nuclear or radioactive materials
of any kind;
b. any nuclear reaction or the release of any
radiation, or any radioactive contamination;

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Contains material from American Association of Insurance Services, Inc., with its permission. c. the use, release, dispersal, application or
escape of any biological or chemical materials
that have any injurious, pathogenic or
poisonous effect of any kind; or
d. any contamination of property, interruption of
any insured’s operations, or any other
damage, loss or expense arising directly or
indirectly out of the situations set forth in items
a. through c. immediately above.

13. Renovation Project: We do not cover loss
caused by direct physical loss involving collapse
of all or any part of a building or structure that is
being worked on as a part of your renovation
project, if the collapse is caused by the use of
defective materials or methods in the construction
of additions. This exclusion will only apply if the
loss occurs during the course of the construction
of additions to the buildings or other structures to
which the loss occurs.

14. Pipe Organs: If coverage is specifically provided
for pipe organs under the Pipe Organs and
Stained Glass Additional Coverage endorsement
(BCP-920) to this policy, we do not cover pipe
organs under this Building and Personal Property
Coverage Part.

15. Stained Glass: If coverage is specifically
provided for stained glass under the Pipe Organs
and Stained Glass Additional Coverage
endorsement (BCP-920) to this policy, we do not
cover stained glass under this Building and
Personal Property Coverage Part.

16. Metal Roofing and Metal Roof Top
Accessories: We do not cover loss to metal
roofing or metal roof top equipment or
accessories, unless there has been:
a. A decrease in functionality of the covered
property;
b. A decrease in the useful life of the covered
property; or
c. Dents, dings, or dimples to the covered
property that can be seen without aid from
either the ground on or near the insured
premises or inside or from a balcony of the
building supporting the covered property.

The term “direct physical loss” shall only mean a.,
b., or c. when covered property is metal roofing or
metal roof top equipment or accessories.

17. Landscaping: Except as provided under
Supplemental Coverages, we do not cover your
landscaping.

SUPPLEMENTAL AND

ADDITIONALCOVERAGES
We provide the following Supplemental and Additional
Coverages.

COVERAGE PART PROVISIONS
Unless otherwise stated, each Supplemental and
Additional Coverage:

1. Applies for loss caused by a covered peril;

2. Applies only at the described premises;

3. Is an additional amount of insurance, except as
otherwise stated, subject to a maximum amount
where indicated;

4. Is not to exceed the limit for each supplemental
coverage;

5. Is not subject to and not considered in applying
coinsurance;

6. Is subject to the policy deductible applicable to any direct physical loss covered only under this
Coverage Part;

7. Will not apply to loss to any item specifically
insured under any Inland Marine coverage part.

DEFINITIONS
The following definitions apply as indicated herein.

1. Renovation Project: Means the construction of
additions which increase the square footage of
buildings and structures described on the
declarations, including their foundations.

2. Money means:
a. Currency, coin and bank notes in current use
and having a face value;
b. Personal and commercial checks and other
similar negotiable instruments; and
c. Travelers checks, register checks, scrip, and
money orders.

Money does not include securities.

04M5A0494326
BCP-12B CA (4.5) Copyright 2018, Brotherhood Mutual Insurance Company Page 5 of 15 All Rights Reserved.

Contains material from American Association of Insurance Services, Inc., with its permission.

4. Specified Perils: When reference is made in this
part to specified perils , we mean aircraft;
breakage of building glass; civil commotion;
explosion; falling objects; fire; hail; leakage from
fire extinguishing equipment; lightning; riot;
sinkhole collapse; smoke; sonic boom; vandalism;
vehicles; volcanic action; water damage from a
system or appliance; weight of ice, snow or sleet;
and windstorm, all except as excluded or limited.

In applying this definition:

Falling Objects does not include loss to
personal property in the open or to the interior
of buildings or structures or personal property
inside buildings or structures unless the
exterior of the roof or walls are first damaged
by a falling object.

Water Damage from a system or appliance
means the sudden or accidental discharge or
leakage of water or steam as a direct result of
breaking or cracking of a part of the plumbing,
heating or air conditioning system or domestic
appliance containing the water or steam.

5. Temporary Emergency Coordination
Operation: Means the use of your owned
buildings and structures described on the
declarations on a short-term basis (for less than
90 days) as a planning, staging, or coordination
area, on a voluntary basis or as a result of an order
by a civil authority, for purposes of providing:
a. search and retrieval operations, disaster
relief, disaster clean-up, epidemic or
pandemic response or other emergency
response; and
b. housing relief workers, clean-up teams,
medical workers, government agency
personnel or others;
if such operation or housing is provided in relation
to a natural or man-made disaster, a large-scale
accident, a medical pandemic or other local,
regional or national event that causes widespread
or large-scale: (1) loss of life; (2) property damage;
(3) displacement of persons; or (4) disruption of
services.

6. Temporary Shelter Operation: Means the use
of your owned buildings and structures described
on the declarations on a short-term basis (for less
than 90 days), on a voluntary basis or as a result
of an order by a civil authority, for the purpose of
providing temporary shelter to disaster victims,
refugees, persons under medical quarantine, or
other temporarily displaced persons.

7. Stained Glass: Means your stained glass, fine
arts glass, or glass set in leaded sections, that is
installed in walls of your buildings or structures
described on the declarations, or is temporarily
removed from its normal place of installation
during construction, alteration or repair of the
buildings, structures, or glass.

8. Landscaping: Means organic and nonorganic
materials used wholly or in part to enhance the
aesthetic appearance of a place. These materials
include, but are not limited to, trees, shrubs,
plants, turf/lawns, wood, bricks, patio pavers,
statuary, fountains, and other decorative objects
and art. Landscaping does not include paved
surfaces, including, but not limited to, permanent
signs, parking lots, sidewalks, or other surfaces
paved with asphalt or concrete.

SUPPLEMENTAL COVERAGES

POLICY DEDUCTIBLE
The policy deductible is applicable to the following
direct loss extensions. This is not an additional or
separate deductible.

1. Property Off Premises: You may extend your
Building Property, Organizational Personal
Property, Clergy Ministry Personal Property,
Personal Property of Others, or Property in the
Open coverage for which a limit is shown on the
declarations, for a total of up to $50,000 in any
one occurrence of loss to your Building Property,
Organizational Personal Property, Clergy Ministry
Personal Property, Personal Property of Others,
or Property in the Open for which a limit is shown
on the declarations, while such property is
temporarily (not to exceed 180 days) away from
locations that you own, control, lease or operate.

We cover loss while the property is located
anywhere in the world.

This extension of coverage also applies to your
Building Property, Organizational Personal
Property, Clergy Ministry Personal Property, or
Personal Property of Others, away from your
premises, which you intend to donate to others,

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Contains material from American Association of Insurance Services, Inc., with its permission. until the earlier of:
1) 180 days after the property is taken away from
your premises, or
2) the time that you transfer ownership of the
property to others.

This extension does not apply if a loss is only
covered by an Additional Coverage or a
Supplemental Coverage provided by and
described in this form.

This extension does not apply if the loss is covered
by any other insurance, whether collectible or not,
or which would have been covered by such other
insurance in the absence of this policy.

2. Owned Personal Property – Parsonage: You
may extend your Organizational Personal
Property coverage, for which a limit is shown on
the declarations, for an amount up to $10,000 to
cover your personal property at an owned
parsonage unit.

We only cover loss caused by a covered peril.

3. Building/Personal Property - Newly Acquired/
Constructed: You may extend your Building
Property or Organizational Personal Property
Coverage, for which a limit is shown on the
declarations, for a total of up to $2,000,000 in any
one occurrence to cover the following:
a. your real and/or personal property that you
acquire or buildings or structures being built.

This supplemental coverage also applies to
repairs or alterations to buildings or structures
described on the declarations; and
b. your newly acquired personal property; and
c. your contents in your newly
acquired/constructed building.

This supplemental coverage does not apply to
portions of your buildings or structures
constructed as part of your renovation project.

This coverage applies until the earlier of:
a. the passage of 180 days after you acquire the
property and/or construction, alterations, or
repairs are started (you must provide us with
a receipt from the seller verifying the date of
purchase); or
b. the time that you report the newly acquired
property and/or construction to us.

This coverage does not extend beyond the
expiration or cancellation of the policy, but it will
extend beyond the expiration if we renew the
policy. We cover direct loss at locations within the
policy territorial limits that is caused by a covered
peril. Additional premium will be charged from the
earlier of the date you acquire the property or the
date construction is started.

We will not provide this Supplemental Coverage
for your real and/or personal property that you
acquire or buildings or structures being
constructed, altered, or repaired if such property is
not designed or used for purposes similar to:
a. buildings described on the declarations; or
b. your personal property already covered at the
time that you acquire the property to be
covered under this Supplemental Coverage.

4. Outside Objects/Structures: You may extend
your Building Property coverage, for which a limit
is shown on the declarations, for an amount up to
$30,000 to cover the outdoor property listed
below. This coverage is limited to $20,000 for any
one of the categories of outdoor property listed in
paragraphs a – h below. We only cover loss at the
described premises caused by a peril covered,
except as provided otherwise below.
a. Antennas: your permanent outdoor radio,
television, satellite dish type or other
antennas, including their masts, towers, or
lead-in wiring.
b. Erected Canopies/Erected Tents: your
erected canopies, erected tents, and erected
awnings not attached to a building, of fabric or
slat construction, on or off your premises.
c. Fences, Light-bearing Standards or Poles,
Vehicle Charging Stations: your fences,
light-bearing standards or poles, and vehicle
electrical charging stations.
d. Grave Markers/Headstones: grave markers
and headstones located on your premises
that you are directly responsible to maintain
and protect. This supplemental coverage is
excess over any other policy of insurance that
applies to this property.
e. Signs: your permanent outdoor signs that are
not attached to a building. We cover signs
that are on and off premises.
f. Landscaping: your landscaping located on

04M5A0494326
BCP-12B CA (4.5) Copyright 2018, Brotherhood Mutual Insurance Company Page 7 of 15 All Rights Reserved.

Contains material from American Association of Insurance Services, Inc., with its permission. your premises. We only cover loss at the
described premises, caused by theft or
specified perils , except hail, water damage
from a system or appliance, and weight of ice,
snow or sleet. This coverage is limited to
$2,000 for any one item, including debris
removal expense. We will pay no more than
$5,000 for each loss caused by windstorm.
g. Recreational Equipment: permanently
installed equipment used for recreation, which
includes, but is not limited to, playground
equipment.
h. Retaining Walls: your permanent retaining
walls. We only cover loss at the described
premises and caused by specified perils ,
except water damage from a system or
appliance; weight of ice, snow, or sleet; and
windstorm.

5. Other Structures: You may extend your Building
Property coverage, for which a limit is shown on
the declarations, for a total payment of $15,000
per occurrence, regardless of the number of
structures, to cover detached structures (other
than those described on the declarations or listed
in the Outside Objects/Structures Supplemental
Coverage provided by this policy) on a premises
shown on the declarations. You may extend
your Organizational Personal Property coverage
for a total payment of $15,000 per occurrence to
cover the contents of any structures covered
under this provision. This Supplemental Coverage
covers direct loss in any one occurrence by a
covered peril.

6. Owned Personal Property – Dwellings: If
coverage applies to one or more dwelling
buildings described on the declarations, and the
dwelling buildings are not owned parsonage units,
you may extend up to 5 percent (5%) of the
amount shown on the declarations for each such
dwelling to cover your personal property located
in the dwelling. This is not an additional amount of
insurance.

7. Contents – Buildings and Structures
Described on the Declarations: Youmay extend
your Organizational Personal Property coverage,
for which a limit is shown on the declarations,f o r
an amount up to $15,000 to cover the contents of
a structure described on the declarations for
which the limit of insurance shown is no more
than $15,000 and for which there is no limit of
Organizational Personal Property shown on the
declarations for the structure. This coverage is
excess to any other insurance provided by this
policy or otherwise which applies to this property.

8. Trailers: You may extend your Organizational
Personal Property coverage, for which a
limit is
shown on the declarations, for an amount up to
$10,000 to cover your trailers, including owned,
rented, leased or borrowed trailers, which are
required to be licensed for use on public roads,
unless no licensing requirements exist, or
operated principally away from the described
premises. This coverage is excess to any other
insurance which applies to this property.

9. Vehicle Equipment and Accessories: You may
extend your Organizational Personal Property
coverage, for which a limit is shown on the
declarations, for an amount up to $25,000 to
cover equipment, accessories, and spare parts of
your vehicles or other self-propelled machines,
but only if such items are not attached to the
vehicles or self-propelled machines at the time of
the loss. This coverage does not apply to
equipment, accessories, or equipment of aircraft
or watercraft. This coverage is excess to any other
insurance which applies to this property.

ADDITIONAL COVERAGES

NO DEDUCTIBLE
The policy deductible is not applicable to the following additional coverages.

1. Debris Removal Expense - Partial or Total
Loss:

We cover the cost to remove the debris of covered
property that is caused by a covered peril.We only
cover loss at the described premises, caused by a
covered peril.

This coverage does not apply to costs to:
a. Extract pollutants from land or water; or
b. Remove, restore or replace polluted land or
water.

This coverage does not apply to loss from
enforcement of any law, ordinance or code.

Partial Loss: When loss to property and the cost
of removal of debris of such covered property does
not exceed the limit of insurance shown on the
declarations for the covered property, we pay for
removal of debris up to the remaining limit for
such covered property following payment for the
loss to the covered property.

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Contains material from American Association of Insurance Services, Inc., with its permission.

Total Loss: When loss to covered property and
removal of debris of the covered property exceeds
the limit of insurance shown on the declarations
for the covered property, you may extend your
Building Property or Organizational Personal
Property coverage for an additional amount of
coverage up to $25,000 to cover expenses for
removing debris of the covered property.

2. Emergency Removal: We cover loss to covered
property while moved or being moved from the
described premises for preservation from loss
caused by a covered peril. We pay for any direct
physical loss to that property. This coverage
applies for up to 30 days after the property is first
moved. This does not increase the limit.

3. Fire Department Service Charges: You may
apply either your Building Property or your
Organizational Personal Property coverage, for
which a limit is shown on the declarations,f o r a n
amount up to $50,000 to cover your liability,
assumed by contract or agreement, for fire
department service charges.

This coverage is limited to charges incurred when
the fire department is called to save or protect
covered property from a covered peril.

4. Fire Extinguisher Recharge: You may extend
your Organizational Personal Property coverage,
for which a limit is shown on the declarations,f o r
an amount up to $50,000 for the recharging of
portable fire extinguishers within 30 days after
they have been used to combat a fire on the
premises.

5. Pollutant Clean-up and Removal: We will pay
your expenses for an amount up to $10,000 to
extract pollutants from land or water at a
described premises if the release, discharge or
dispersal of the pollutants is caused by or results
from a covered peril that occurs during the policy
period. The most we pay for each described
premises is $10,000 for the sum of all such
expenses for clean-up occurring during each
separate 12 month period of this policy, such
period beginning on the month and date shown on
the declarations as the beginning of the policy
period.

The expenses will be paid only if they are reported
to us in writing within 180 days of the earlier of:
a. The date of direct physical loss or damage; or
b. The end of the policy period.

This extension does not apply to loss from
enforcement of any law, ordinance or code.

6. Installed Lock Recalibration: You may extend
your Organizational Personal Property coverage,
for which a limit is shown on the declarations,f o r
an amount up to a maximum of $10,000 for the
recalibration of any professionally-installed lock
that you
undertake due to the loss of your keys,
but only if the keys were lost because of an act of
vandalism, theft, or attempted theft. This coverage
will only apply if the recalibration is done within 10
days of discovery of such act of vandalism, theft,
or attempted theft.

7. Arson Reward: We will reimburse you for
payments that you make to pay a reward for
information that leads to the arson conviction of
any perpetrators in connection with a fire loss
covered under this policy. We will only make this
reimbursement if:
a. Civil authorities administer the reward
program, and
b. The reward was publicly posted by civil
authorities prior to the conviction of any
perpetrators.

Regardless of the number of persons who provide
information, our maximum reimbursement for
rewards under this coverage extension with
respect to each covered fire loss is the lesser of:
a. $20,000, or
b. The amount paid to you as a result of the
direct loss caused by the fire damage.

8. Papers and Records (including electronic
data): You may extend your Organizational
Personal Property coverage, for which a limit is
shown on the declarations, for an amount up to
$50,000 to cover the expense to research, replace
or restore lost information on missing or damaged
valuable papers and records, including that which
exists on electronic or magnetic media, for which
duplicate papers and records do not exist. These
expenses must follow a direct loss to covered
property from a covered peril.

This extension does not apply to loss from
enforcement of any law, ordinance or code.

9. Personal Property Owned by Others (non-
clergy): You may extend your Organizational
Personal Property coverage, for which a limit is
shown on the declarations, for an amount up to a
maximum of $25,000 to cover personal property

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Contains material from American Association of Insurance Services, Inc., with its permission. owned by others, except clergy or administrators
employed by you, while on the described
premises and in your care and used for your
benefit. This coverage does not apply to personal
property rented from others or to trailers that are
required to be licensed for use on public roads or
operated principally away from the described
premises.

The maximum benefit to any one person under
this coverage is $5,000. This coverage is excess
to any other insurance which applies to this
property.

10. Personal Property Owned by Clergy: You may
extend your Organizational Personal Property
coverage, for which a limit is shown on the
declarations, for an amount up to a maximum of
$30,000 to cover personal property owned by
clergy or administrators employed by you while
the property is on the described premises. This
Additional Coverage does not apply to personal
property of your employed clergy or
administrators that is located within a residential
premises of the clergy or administrator that owns
the property.

This coverage is excess to any other insurance
provided by this policy or otherwise which applies
to this property.

11. Theft/Vandalism Reward: We will reimburse you
for payments that you make to pay a reward for
information that leads to the theft or vandalism
conviction of any perpetrators in connection with a
theft or vandalism loss covered under this policy.

We will only make this reimbursement if:
a. Civil authorities administer the reward
program, and
b. The reward was publicly posted by civil
authorities prior to the conviction of any
perpetrators.

Regardless of the number of persons who provide
information, our maximum reimbursement for
rewards under this coverage extension with
respect to each covered theft or vandalism loss is
the lesser of:
a. $5,000, or
b. The amount paid to you as a result of the
direct loss caused by the vandalism damage
or theft.

ADDITIONAL COVERAGES

POLICY DEDUCTIBLE
The policy deductible is applicable to the following
additional coverages. This is not an additional or
separate deductible.

1. Money and Securities: You may apply your
Organizational Personal Property coverage for an
amount up to $5,000 for loss of your money and
securities at the described premises and caused
by specified perils.

We will pay up to $10,000 for loss of your money
and securities from 48 hours preceding, during,
and 48 hours after:
a. the days upon which are celebrated New
Year’s Day, Good Friday, Easter,
Thanksgiving, Christmas Eve, Christmas and
New Year’s Eve; and
b. if different from New Year’s Eve, the day
concluding your fiscal year, and the Sunday
immediately preceding it.

2. Spoilage: You may extend your Organizational
Personal Property coverage, for which a limit is
shown on the declarations, for an amount up to
$10,000 to cover the consequential loss resulting
from:
a. the interruption of power or other like service
furnished to the designated premises, or
b. damage to the generating or transmission
equipment, or
c. mechanical or electrical breakdown of the
refrigeration system, provided the
refrigeration equipment has been maintained
in proper working condition.

3. Damage to Buildings and Personal Property
from Animals: We cover direct loss up to a limit
of $10,000 for sudden and accidental loss caused
by or resulting from animals. This coverage:
a. is limited to $2,500 for loss caused by birds,
vermin, rodents, raccoons, or bats;
b. does not apply to loss caused by insects, or
animals kept by someone for work, food, or as
a pet;
c. will not apply to removal of the animal(s)
unless they caused physical damage to

04M5A0494326

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Contains material from American Association of Insurance Services, Inc., with its permission. covered property.

4. Temporary Emergency Coordination/Shelter
Operation Clean Up: We pay up to $50,000 of
your expenses for cleaning your buildings and
structures described on the declarations that are
required before you can reoccupy them following
their use for temporary emergency
coordination operations or temporary shelter
operations.

The expenses for cleaning will be paid only if they
are incurred and reported to us in writing within
180 days of the date of inception of the temporary
emergency coordination operations or
temporary shelter operations.

HOW MUCH WE PAY

1. Insurable Interest : We do not cover more than
your insurable interest in any property.

2. Deductible - We pay only that part of your loss
over the deductible amount stated on the
declarations in any one occurrence. The
deductible applies to the loss before application of
any coinsurance or reporting provision.

For loss to Rented Personal Property of Others
only, we pay only that part of your loss over
$1,000 in any one occurrence.

3. Loss Settlement Terms: Subject to paragraphs
1, 2, 4, 5, and 6, in this How Much We Pay section,
we pay the least of:
a. the amount determined under Valuation of
Property;
b. the cost to repair, replace, or rebuild the
property with material of like kind and quality
to the extent practicable; or
c. the limit that applies to covered property, as
described on the declarations, to which a
covered loss has been sustained.

For a loss occurring to covered Building Property,
as described on the declarations,w h i c hi s
undergoing or has undergone a renovation
project at the time of the loss, subject to
paragraphs 2, 4, 5, and 6, in this How Much We
Pay section, we will pay the least of:
a. the amount determined under Valuation of
Property;
b. the cost to repair, replace, or rebuild the
property with material of like kind and quality
to the extent practicable; or
c. the sum of:
1) the limit of insurance shown on the
declarations for the covered Building
Property, and
2) the lesser of:
i. the anticipated cost of the
completed renovation project ,
or
ii. the greater of $400,000 or 10% of
the value of the covered Building
Property;
multiplied by the proportion of the
renovation project that has been
completed at the time of loss.

For Additional Coverages and Supplemental
Coverages, subject to paragraphs 1, 2, 4, 5, and
6, in this How Much We Pay section, we pay the
lesser of:
a. the actual loss sustained; or
b. the limit indicated within each Additional
Coverage or Supplemental Coverage.

4. Coinsurance: When a coinsurance percentage is
shown on the declarations, we only pay a part of
the loss if the limit is less than the value of the
covered property at the time of the loss multiplied
by the coinsurance percentage shown for it on the
declarations. Our part of the loss is determined
using the following steps:
a. Multiply the value of the covered property at
the time of the loss by the coinsurance
percentage;
b. Divide the limit for covered property by the
figure determined in 4.a. above; and
c. Multiply the total amount of loss, after the
application of any deductible, by the figure
determined in 4.b. above.

The most we pay is the amount determined in 4.c.
above or the limit, whichever is less. We do not
pay any remaining part of the loss.

If there is more than one limit shown on the
declarations for this Coverage Part, this
procedure applies separately to each limit.

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Contains material from American Association of Insurance Services, Inc., with its permission.

If there is only one limit shown on the
declarations for this Coverage Part, this
procedure applies to the total of all covered
property to which the limit applies.

5. Coinsurance Waiver - Agreed Amount: When
Agreed Amount is shown for a location described
on the declarations, no coinsurance provision
applies to coverage for that location.

6. Insurance Under More Than One Coverage: If
more than one coverage of this policy insures the
same loss, we pay no more than the actual claim
or loss sustained. If coverage is provided for any
item specifically insured under any Inland Marine
coverage part of this policy, that is the only
coverage of this policy that will apply to loss to the
item.

7. Insurance Under More Than One Policy: You
may have another policy subject to the same plan,
terms, conditions, and provisions as this policy. If
you do, we pay our share of the covered loss.

Our share is the proportion that the applicable
limit under this policy bears to the limit of all
policies covering on the same basis.

For any covered loss, we do not pay more than
the applicable limit.

8. No Coverage for Diminished Value: Regardless
of the method used to determine the value of
covered property under the Valuation Of Property
section, we do not pay for any loss in market value
following the repairing, replacing, or rebuilding of
covered property.

VALUATION OF PROPERTY

1. Actual Cash Value: W h e n A c t u a l C a s h V a l u e (ACV) is shown on the declarations for covered
property, the value is based on the actual cash
value at the time of the loss (with a deduction for
depreciation), except as provided below.

2. Limited Replacement Cost: When the limit for
Building Property satisfies the coinsurance
requirement, we pay up to $2500 to cover the cost
to repair or replace your buildings or structures.

This applies only when the total loss does not
exceed $2500. This provision does not apply to
awnings; canopies; floor coverings appliances for
refrigerating, ventilating, cooking, dishwashing, or
laundering; or outdoor equipment or furniture.

3. Glass: The value of glass is based on the cost of
safety glazing material where required by code,
ordinance or law.

4. Merchandise Sold: The value of merchandise
that you have sold but not delivered is based on
the selling price less all discounts and unincurred
expenses.

5. Valuable Papers and Records: The value of
valuable papers and records, including those
which exist on electronic or magnetic media (other
than prepackaged software programs) is based on
the cost of blank materials and the labor to
transcribe or copy the records when there is a
duplicate.

6. Tenants’ Improvements: The value of tenants’
improvements losses is based on a portion of your
original cost if not repaired or replaced within a
reasonable time. This portion is determined as
follows:
a. Divide the number of days from the date of the
loss to the expiration date of the lease by the
number of days from the date of installation to
the expiration date of the lease; and
b. Multiply the figure determined in 5.a. above by
the original cost.

If your lease contains a renewal option, the
expiration of the lease in this procedure is
replaced by the expiration of the renewal option
period.

Tenants’ improvements losses are not covered if
repaired or replaced at another's expense.

7. Pair or Set: The value of a lost or damaged article
which is part of a pair or set is based on a rea-
sonable proportion of the value of the entire pair
or set. The loss is not considered a total loss of
the pair or set.

8. Loss to Parts: The value of a lost or damaged
part of an item that consists of several parts when
it is complete is based on the value of only the lost
or damaged part or the cost to repair or replace it.

9. Replacement Cost: When Replacement Cost

04M5A0494326

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Contains material from American Association of Insurance Services, Inc., with its permission. (RC) is shown on the declarations for covered
property, the value is based on replacement cost
without any deduction for depreciation.

This replacement cost provision does not apply to:
objects of art, rarity or antiquity; property of others; or paragraphs 2-7 above.

The replacement cost is limited to the cost of
repair or replacement with similar materials on the
same site and used for the same purpose. The
payment shall not exceed the amount you spend
to repair or replace the damaged or destroyed
property.

Except as proved under Limited Replacement
Cost, replacement cost valuation does not apply
until the damaged or destroyed property is
repaired or replaced. You may make a claim for
actual cash value before repair or replacement
takes place, and later for the replacement cost if
you notify us of your intent within 180 days after
the loss.

10. Replacement Cost - Personal Property: This
provision applies to items 9 [Personal Property
Owned by Others (non-clergy)] and 10 [Personal
Property Owned by Clergy] in the Additional
Coverages - No Deductible section of this policy.

When Replacement Cost (RC) is shown on the
declarations for your Organizational Personal
Property, the exception for property of others in
the Replacement Cost provision of the Valuation
of Property section of this policy does not apply to
personal property of others referenced in items 9
and 10 above or to specifically declared Personal
Property of Others shown on the declarations.

We pay the least of the following amounts for each
item:
a. the applicable limit;
b. an amount not greater than the owner's
interest in the property;
c. the replacement cost as defined in the
Replacement Cost provision of this policy; or
d. two (2) times the actual cash value of the
property at the time of loss.

When the replacement cost is more than two (2)
times the actual cash value of the damaged
property, we are not liable for more than the actual
cash value of the loss until actual repair or
replacement is completed. You may make a claim
for the actual cash value amount of the loss before
repairs are made or replacement is completed. A
claim for any additional amount payable under this
provision must be made within 180 days after the
loss.

This conditional extension does not apply to the
following property:
a. Property other than your ministry related
property in your care and for your benefit;
b. Film, tapes, cassettes, records, magnetic
recording or similar property;
c. Articles of art or rarity that cannot be
duplicated;
d. Property covered by any scheduled
insurance;
e. Memorabilia, souvenirs, collector's items and
similar items whose age or history contribute
to its value;
f. Items not maintained in good or workable
condition; or
g. Items that are outdated or obsolete and are
stored or not being used.

LOSS PAYMENT

1. Our Options: We may:
a. pay the value of the loss;
b. pay the cost of repairing or replacing the loss;
c. rebuild, repair or replace with property of
equivalent kind and quality, to the extent
practicable; or
d. take all or any part of the damaged property at
the agreed or appraised value.

We must give you notice of our intentions within
30 days after we have received a satisfactory
proof of loss.

2. Your Losses : We adjust all losses with you.

Payment is made to you unless another loss
payee is named in the policy, in which case we
may pay you and such other loss payee(s). A
covered loss is payable 30 days after a
satisfactory proof of loss is received, and:
a. the amount of the loss has been agreed to in

04M5A0494326
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Contains material from American Association of Insurance Services, Inc., with its permission. writing;
b. an appraisal award has been filed with us, or
c. a final judgment has been entered.

3. Property of Others: Losses to property of others
may be adjusted with and paid to:
a. you on behalf of the owner; or
b. the owner.

If we pay the owner, we do not have to pay you.

We may also choose to defend any suits arising
from the owners at our expense.

OTHER CONDITIONS
In addition to the policy terms which are contained in
other sections of the Commercial Property Coverage,
the following conditions apply.

1. Appraisal: If you and we do not agree on the
amount of the loss or the actual cash value of
covered property, either party may demand that
these amounts be determined by appraisal.

If either makes a written demand for appraisal,
each selects a competent, independent appraiser
and notifies the other of the appraiser's identity
within 20 days of receipt of the written demand.

The two appraisers then select a competent,
impartial umpire. If the two appraisers are unable
to agree upon an umpire within 15 days, you or
we can ask a judge of a court of record in the state
where the property is located to select an umpire.

The appraisers will then determine and state
separately the amount of each loss.

The appraisers also determine the actual cash
value of covered property items at the time of the
loss, if requested.

A written agreement is binding on all parties. If the
appraisers fail to agree within a reasonable time,
they will submit only their differences to the
umpire. Written agreement so itemized and
signed by any two of these three is binding on all
parties.

Each appraiser is paid by the party selecting that
appraiser. Other expenses of the appraisal and
the compensation of the umpire will be paid
equally by you and us.

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

2. Mortgage Provisions: If a mortgagee (mortgage
holder) is named in this policy, losses shall be paid
to you and the mortgagee as its interest appears.

If more than one mortgagee is named, they shall
be paid in order of precedence.

The insurance for the mortgagee continues in
effect even when your insurance may be void
because of your acts, neglect, or failure to comply
with the coverage terms. The insurance for the
mortgagee does not continue in effect if the
mortgagee is aware of changes in ownership or
substantial increase in risk and does not notify us.

If we cancel this policy, we notify the mortgagee
at least 10 days before the effective date of
cancellation if we cancel for your nonpayment of
premium, or 30 days before the effective date of
cancellation if we cancel for any other reason.

We may request payment of the premium from the
mortgagee, if you fail to pay the premium. If we
pay the mortgagee for a loss where your
insurance may be void, the mortgagee's rights to
collect that portion of the mortgage debt from you
then belongs to us. This does not affect the
mortgagee's right to collect the remainder of the
mortgage debt from you. As an alternative, we
may pay the mortgagee the remaining principal
and accrued interest in return for a full assignment
of the mortgagee's interest and any instruments
given as security for the mortgage debt.

If we choose not to renew this policy, we give
written notice to the mortgagee at least 10 days
before the expiration date of this policy.

3. Vacancy-Unoccupancy: We do not pay for loss
caused by attempted theft, breakage of building
glass, sprinkler leakage (unless you have
protected the system against freezing), theft,
vandalism, or water damage occurring while the
building or structure has been:
a. “vacant” for more than 60 consecutive days;
or
b. “unoccupied” for more than
1) 60 consecutive days; or
2) The usual or incidental unoccupancy
period for the described premises.

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Contains material from American Association of Insurance Services, Inc., with its permission. whichever is longer.

For a loss caused by a covered peril other than
attempted theft, breakage of building glass,
sprinkler leakage (unless you have protected the
system against freezing), theft, vandalism, or
water damage during a period of vacancy or
unoccupancy of any building, as described above,
the amount we pay is reduced by 15%.

With respect to this provision, “unoccupied”
means that the customary activities or operations
of the described occupancy are suspended, but
organizational personal property has not been
removed.

The building or structure shall be considered
“vacant” and not “unoccupied" when the
occupants have moved, leaving the building or
structure empty, or containing only limited
organizational personal property. Buildings or
structures under construction are not considered
either “vacant” or “unoccupied.”
Damage to Church Parsonage(s) while Vacant:

We provide the perils coverage provided in form
CP-82, CP-83, or BCP-85 (whichever form is
shown in the Property Declarations), to a covered
parsonage/staff dwelling while "vacant" for less
than 12 months. With respect to this provision
"vacant" means that the occupants have moved
out, and there is no personal property of the former
occupant present in the dwelling.

This provision regarding covered parsonages/staff
dwellings will not apply if the building or structure
is no longer used as or intended to be used as a
parsonage/staff dwelling.

4. Governing Board Provision: This policy has
been issued to your organization on the condition
that it is, and will continue to be operated by a
governing board of at least three individuals (not
all related to each other by blood or marriage). In
consideration of our having issued this policy, you
warrant that no single person within your
organization will have authority to make large
organizational or financial decisions without the
authorization of and approval of your governing
board or governing body. Also in consideration of
our having issued this policy, you warrant that no
individual possesses a controlling ownership
interest in any of the buildings or structures
described on the declarations.

5. Organizational Disputes: If any dispute should
arise within your organization concerning who
controls the organization or who controls or owns
your organizational property or assets, at our
discretion we may elect to pay any amounts due
under this policy for a loss to a court of competent
jurisdiction for it to determine to whom these
amounts should be paid. If an individual or an
entity is shown on the declarations as a
Mortgagee or additional insured, their interests will
be indicated with respect to our payment to the
court.

In the event of a loss when this provision applies,
we will pay to any putative insured the reasonable
and documented cost of fulfilling the obligation
under this policy to protect the insured property
according to the Protect Property requirement in
the What You Must Do In Case of Loss section of
this policy.

Once invoked by us, this coverage restriction will
apply until such time as a final determination is
made in a court of law (including any and all
appeals) or a final settlement agreement is
entered into by all parties regarding which person
or group actually controls the organization. Once
a final determination has been made and all
appeals exhausted, then the prevailing party will
be considered the representative of your
organization, and:
a. any coverage provided by this policy in
relation to any subsequent loss will apply for
the benefit of the prevailing party; and
b. we will reimburse the prevailing party for extra
expenses incurred by them as a result of a
direct loss caused by a covered peril, in
accordance with the Extra Expense coverage
of this policy, if the extra expenses are
incurred during the pendency of the
organizational dispute. Neither attorney fees
nor any other costs or expenses associated
directly or indirectly with the resolution of the
organizational dispute will be considered to be
extra expenses with respect to this paragraph.

6. Covered Property Exposures: Subject to the
terms of the Building/Personal Property – Newly
Acquired/Constructed Supplemental Coverage,
we will provide no coverage for any loss to any of
your buildings or personal property unless such
buildings or personal property are designated in
the Schedule of Buildings and Personal Property
section of the declarations. If during the policy
period we are notified or otherwise become aware
that your organization owns or rents any buildings
or personal property that are: (1) in poor repair; or
(2) being used for any unusual operations
activities or events that materially change your
property exposure; we reserve the right to:

04M5A0494326
BCP-12B CA (4.5) Copyright 2018, Brotherhood Mutual Insurance Company Page 15 of 15 All Rights Reserved.

Contains material from American Association of Insurance Services, Inc., with its permission. a. adjust your coverage limits, and
b. modify coverage with respect to such
buildings or personal property (which may
result in adding customized coverage form(s)
to your policy), and
c. make appropriate premium adjustments as
necessary to address the increased exposure
presented by the buildings or personal
property.

WHAT YOU MUST DO IN CASE OF LOSS

1. Notice: In case of loss, you must:
a. give us or our agent prompt notice including
a description of the property involved (we may
request written notice);
b. give notice to the police when the act that
causes the loss is a crime; and
c. give notice to the credit card company if the
loss involves a credit card.

2. Protect Property: You must take all reasonable
steps to protect covered property at and after an
insured loss to avoid further loss. We pay the
reasonable costs incurred by you for necessary
repairs or emergency measures performed solely
to protect covered property from further damage
by a covered peril if a covered peril has already
caused a loss to covered property. However, we
do not pay for such repairs or emergency
measures performed on property which has not
been damaged by a covered peril. This does not
increase our limit.

3. Proof of Loss: You must send us, within 60 days
after our request, a signed, sworn proof of loss.

This must include the following information:
a. the time, place and circumstances of the loss;
b. other policies of insurance that may cover the
loss;
c. your interest and the interests of all others in
the property involved, including all mortgages
and liens;
d. changes in title or occupancy of the covered
property during the policy period;
e. detailed estimates for repair or replacement of
covered property;
f. available plans and specifications of buildings
or structures;
g. detailed estimates of any covered loss of
income and expenses; and
h. an inventory of damaged and undamaged
covered personal property showing in detail
the quantity, description, cost, actual cash
value and amount of the loss. You must attach
to the inventory copies of all bills, receipts and
related documents that substantiate the
inventory. An inventory of undamaged
personal property is not required if the total
claim for a loss is less than $10,000 and less
than five percent of the total limit.

4. Examination: You must submit to examination
under oath in matters connected with the loss as
often as we reasonably request and give us sworn
statements of your answers. If more than one
person is examined, we have the right to examine
and receive statements separately and not in the
presence of the others.

5. Records: You must produce records, including
tax returns and bank microfilms of all canceled
checks, relating to value, loss and expense and
permit copies and extracts to be made of them as
often as we reasonably request.

6. Damaged Property: You must exhibit the
damaged and undamaged property as often as we
reasonably request and allow us
to inspect or take
samples of the property.

7. Volunteer Payments: You must not, except at
your own expense, voluntarily make any
payments, assume any obligations, pay or offer
any rewards, or incur any other expenses except
as respects protecting property from further
damage.

8. Abandonment: We do not have to accept any
abandoned property.

9. Cooperation: You must cooperate in performing
all acts required by the Commercial Property
Coverage.

04M5A0494326
BCP-49 (4.0) Copyright, 2013 Brotherhood Mutual Insurance Company Page 1 of 2 All Rights Reserved
This OPTIONAL PROPERTY COVERAGE is subject to the terms shown below. The property coverage provided by this policy is subject to the provision shown below. The COMMERCIAL PROPERTY COVERAGE CONDITIONS (BCP-100), the PERILS PART, and either the BUILDING AND PERSONAL PROPERTY COVERAGE PART (BCP-12) or the BUILDERS’ RISK COVERAGE PART (BCP-14) (if indicated on the Declarations as applying to a particular building) also apply except to the extent modified by the provisions of this endorsement.

T
HIS INSURANCE ENDORSEMENT FORMS PART OF YOUR POLICY CONTRACT.

PLEASE READ IT CAREFULLY.

INTERIOR BUILDING DAMAGE COVERAGE
- INCLUDING GUTTERS/DOWNSPOUTS COVERAGE –

SCHEDULE
(The information required below may be shown on a separate schedule or on the declarations.) Loc.

No.

Bldg.

No.

Description of Property Limit

AGREEMENT
We provide the following additional coverages when
this form (BCP-49) is shown on the declarations.

ADDITIONAL COVERAGES

1. Interior Building Damage: When Special Perils
Part (BCP-85) applies, we cover, up to the limit
shown on the schedule above, sudden and
accidental direct loss to the interior of buildings or
to personal property in the buildings caused by
rain, snow, ice, sleet, sand or dust.

We do not cover loss caused by or resulting
from:
a. Wear and tear; or
b. Water, including:
1) flood; surface water; waves, including,
but not limited to, tidal wave and tsunami;
tidal water; tides; overflow of any body of
water; or spray from any of these; all
whether or not driven by wind. This
includes, but is not limited to, storm
surge, storm tide, and tidal surge;
2) water that backs up through, overflows
from, or is otherwise discharged from:
a) a sewer or drain;
b) a sump, sump pump, or related
equipment; or
c) any other type of system designed to
remove subsurface water which is
drained from the foundation area;
3) water below the surface of the ground.

This includes water that exerts pressure
on or flows, seeps, or leaks through or
into:
a) basements, whether paved or not;
b) doors, windows, or other openings;
c) foundations, floors, walls, or paved
surfaces; or
See Declarations

04M5A0494326
BCP-49 (4.0) Copyright, 2013 Brotherhood Mutual Insurance Company Page 2 of 2 All Rights Reserved
d) swimming pools, septic tanks, or
other structures; or
4) material present in or carried or
otherwise moved by water described in
items 1. through 4. above.

However, if fire, explosion, or sprinkler leakage (if
a covered peril) results, we do cover the
resulting loss.

This exclusion:
1) applies regardless of the cause of the water
or the material described or moved by water
described under items 1. through 4. above,
whether or not such cause is an act of
nature; and
2) applies to, but is not limited to, water and
material present in or carried or moved by
water, whether or not driven by wind, that:
a) overtops;
b) escapes from;
c) is released from; or
d) is otherwise discharged from:
e) a dam, levee, dike, floodgate, seawall, or
other device or feature designed or used
to retain, contain, or control water.

The most we will pay for the necessary clean-up
and remediation of mold, mold spores, mildew,
rot, fungi or other biological by-products or
contaminants resulting from a loss covered by
this Additional Coverage is $10,000. Remediation
includes the cost of testing, repairing or replacing
portions of a building that are damaged or
removed as a necessary part of remediation
efforts.

The policy deductible applies to this additional
coverage. This is not an additional amount of
insurance.

2. Damage to Gutters and Downspouts from
Weight of Ice, Snow or Sleet: When Special
Perils Part (BCP-85) applies, we cover direct
loss to gutters, downspouts and outdoor
fixtures, caused by or directly resulting from
the weight of ice, snow or sleet.

We do not cover collapse of these property items
from an excluded cause or event.

The policy deductible applies to this additional
coverage. This is not an additional amount of
insurance.

04M5A0494326
EX-0621 X (3.0) Brotherhood Mutual Insurance Company Page 1 of 2 Includes Copyrighted Material of American Association of Insurance Services, Inc., 2002 This endorsement changes
EX-0621 X (3.0) the policy

Page 1 of 2 ends

Notice- The federal Terrorism Risk Insurance Act contains a $100 billion cap that limits U.S. Government reimbursement as well as insurer liability for losses resulting from certified acts of terrorism when the amount of such loss in any calendar year exceeds $100 billion.

IF THE AGGREGATE INSURED LOSS FOR ALL INSURERS EXCEEDS $100 BILLION, YOUR COVERAGE MAY BE REDUCED. (PROPERTY)

TERRORISM EXCLUSION
- CERTIFIED AND NON-CERTIFIED ACTS OF TERRORISM

WITH LIMITED EXCEPTION -

ADDITIONAL EXCLUSIONS THAT APPLY TO

ALL PROPERTY COVERAGES
In addition to the other exclusions of the policy,
the following exclusions will apply to all property
coverages of the policy:

1. CERTIFIED Act of Terrorism Exclusion - We
will not pay for loss or damage of any kind
arising directly or indirectly out of or in
connection with any CERTIFIED act of
terrorism. Such loss or damage is excluded
regardless of any other cause or event that
contributes concurrently or in any sequence
to the loss.

2. N
ON-CERTIFIED Act of Terrorism Exclusion-
We will not pay for loss or damage of any
kind arising directly or indirectly out of or in
connection with any NON-CERTIFIED act of
terrorism. Such loss or damage is excluded
regardless of any other cause or event that
contributes concurrently or in any sequence
to the loss.

EXCEPTIONS TO NON-CERTIFIED ACT

EXCLUSION
The following apply only to Exclusion 2 above,
and only to loss that does not involve any
nuclear, biological or chemical materials:

1. Fire Exception -- If a
NON-CERTIFIED act of
terrorism results in fire, we will pay for the
loss or damage caused by that fire. This
exception for fire applies only to direct loss or
damage by fire to covered property. This
exception does not apply to coverage for loss
of earnings or extra expense.

2. Scope of Loss Exception -I f a
NON-
CERTIFIED act of terrorism results in damage
to buildings at multiple insured locations, but
causes less than $25 million in property
damage in the aggregate to all such
buildings, then we will apply the property
coverage that is otherwise provided by this
policy. This exception does not apply to
coverage for loss of earnings or extra
expense.

CONDITIONS

1. The following provision is added.
a. Neither the terms of this endorsement
nor the terms of any other terrorism
endorsement attached to this policy will
be construed to provide coverage for any
loss that would otherwise be excluded
under any form, endorsement or
provision of this policy, including, but not
limited to:
1) any exclusions that address war,
military action, or biological, chemical
or nuclear hazard; or
2) any other exclusion of the policy.

DEFINITIONS
In addition to the words and phrases defined
elsewhere in this policy, the following definition
will apply to the provisions of this endorsement:

1. CERTIFIED act of terrorism means an act
causing total insured loss that meets or
exceeds the insured loss threshold of any
federal Terrorism Risk Insurance Act, and

04M5A0494326
EX-0621 X (3.0) Brotherhood Mutual Insurance Company Page 2 of 2 Includes Copyrighted Material of American Association of Insurance Services, Inc., 2002 that is certified by an authorized individual
under the Act:
a. to be an act of terrorism; and
b. to be a violent act or an act that is
dangerous to human life, property, or
infrastructure; and
c. to have resulted in damage:
1) within the United States; or
2) to an air carrier (as defined in
section 40102 of title 49, United
States Code); to a United States
flag vessel (or a vessel based
principally in the United States,
on which United States income
tax is paid and whose insurance
coverage is subject to regulation
in the United States), regardless
of where the loss occurs; or at
the premises of any United
States mission; and
d. to have been committed by an
individual or individuals as part of an
effort to coerce the civilian population
of the United States or to influence
the policy or affect the conduct of the
United States Government by
coercion.

A
CERTIFIED act of terrorism includes,
but is not limited to, a certified terrorist
act involving:
1) Explosives, firearms, conventional
weapons, or the use of aircraft,
watercraft, missiles, autos or persons
as weapons or as a means of
transporting weapons;
2) the use, release, dispersal,
application or escape of any nuclear
or radioactive materials of any kind;
3) any nuclear reaction or the release of
any radiation, or any radioactive
contamination;
4) the use, release, dispersal,
application or escape of any
biological or chemical materials that
have any injurious, pathogenic or
poisonous effect of any kind; or
5) any contamination of property,
interruption of any business or
ministry operation, or any other
damage, loss or expense arising
directly or indirectly out of the
situations set forth in items1) through
4) immediately above.

2. NON-CERTIFIED act of terrorism means a
malicious act that is not certified by
government officials as a qualifying “act of
terrorism” under any federal Terrorism Risk
Insurance law, but only if such act:
a. is violent or is dangerous to human
life, property, or infrastructure; and
b. is undertaken in an effort to coerce
the civilian population of the United
States or to influence the policy or
affect the conduct of the United
States Government by coercion.

A
NON-CERTIFIED act of terrorism
includes, but is not limited to, a non-
certified terrorist act involving:
1) Explosives, firearms, conventional
weapons, or the use of aircraft,
watercraft, missiles, autos or persons
as weapons or as a means of
transporting weapons;
2) the use, release, dispersal,
application or escape of any nuclear
or radioactive materials of any kind;
3) any nuclear reaction or the release of
any radiation, or any radioactive
contamination;
4) the use, release, dispersal,
application or escape of any
biological or chemical materials that
have any injurious, pathogenic or
poisonous effect of any kind; or
5) any contamination of property,
interruption of any business or
ministry operation, or any other
damage, loss or expense arising
directly or indirectly out of the
situations set forth in items1) through
4) immediately above.

04M5A0494326

The terms of COMMERCIAL PROPERTY CONDITIONS (BCP-100) also apply. The property coverage provided by this policy is subject to the provisions shown below.

THIS INSURANCE ENDORSEMENT FORMS PART OF YOUR POLICY CONTRACT.

PLEASE READ IT CAREFULLY.

SPECIAL PERILS PART

ADDITIONAL DEFINITIONS

1. Digital/Data Network: This means:

a. the Internet, including, but not limited to,
systems that provide access to the Internet,
including, but not limited to, Wi-Fi, broadband,
fiberoptic, or any other wired or wireless digital
service; or

b. a linked computer network, including hardware
and software; or

c. any other system that facilitates electronic or
digital communication, electronic transactions,
electronic data transmission, electronic data
storage, electronic information search,
electronic data retrieval, or any other
transaction involving the transmission,
exchange, utilization, or storage of electronic
data.

2. Infectious disease : This means any of the
following:

a. any infectious virus, bacterium or other
microorganism that can result in human
illness, regardless of the means of
transmission or the extent of the infection
within a population; or

b. any disease, illness or harmful bodily condition
of any kind (whether symptomatic or
asymptomatic) that can be transmitted in any
manner from one organism to another
organism; or

c. the mutation or variation of any communicable
disease or contagious illness, whether such
disease or illness is known, unknown,
recognized or unrecognized.

Infectious disease includes any fear or threat
thereof, whether actual or perceived.

3. Sinkhole Collapse: This means the sudden
settlement or collapse of earth supporting the
covered property into subterranean voids created
by the action of water on a limestone or similar
rock formation. It does not include the value of the
land or the cost of filling sinkholes.

4. Specified Perils: This means aircraft; civil
commotion; breakage of building glass; explosion;
falling objects; fire; hail; leakage from fire
extinguishing equipment; lightning; riot; sinkhole
collapse; smoke; sonic boom; vandalism;
vehicles; volcanic action ; water damage from a
system or appliance; weight of ice, snow, or sleet;
and windstorm.

Falling objects does not include loss to personal
property in the open or to the interior of buildings
or structures or personal property inside buildings
or structures unless the exterior of the roof or walls
are first damaged by a falling object.

Water damage from a system or appliance means
the sudden or accidental discharge or leakage of
water or steam as a direct result of breaking or
cracking of a part of the plumbing, heating or air
conditioning system or domestic appliance
containing the water or steam.

5. Volcanic Action: This means airborne volcanic
blast or airborne shock waves; ash, dust, or
particulate matter; or lava flow. It does not include
the cost to remove ash, dust, or particulate matter
that does not cause direct physical loss to the
covered property.

6. Vermin: This means animals that are prone to
enter or burrow into or under a structure to seek
food or shelter including, but not limited to,
armadillos, bats, opossums, porcupines, raccoons,
skunks, or snakes.

7. Digital/data network disruption: This means:

a. an interruption in; or

b. disruption of; or

04M5A0494326

c. failure of; or

d. loss of effective use of:

any digital/data network.

PERILS COVERED

When Special Perils is shown on the declarations, we
cover risks of direct physical loss unless the loss is
limited or caused by a peril that is excluded.

PERILS EXCLUDED

1. We do not pay for loss if one or more of the
following exclusions apply to the loss, regardless
of the cause of the excluded cause or event, and
regardless of other causes or events that
contribute to or aggravate the loss, whether such
causes or events act to produce the loss before, at
the same time as, or after the excluded causes or
events.

a. Ordinance or Law: We do not cover loss or
increased cost caused by enforcement of any
code, ordinance, or law regulating the use,
construction, or repair of any building or
structure; or requiring the demolition of any
building or structure including the cost of
removing its debris.

b. Earth Movement or Volcanic Eruption: We
do not cover loss caused by any earth
movement (other than sinkhole collapse ) or
caused by eruption, explosion, or effusion of a
volcano. Earth movement includes, but is not
limited to earthquake; landslide; mudflow;
mudslide; mine subsidence; or sinking, rising,
or shifting of earth.

We cover direct physical loss by fire,
explosion, or volcanic action resulting from
either earth movement or eruption, explosion,
or effusion of a volcano.

All volcanic eruptions that occur within a 168
hour period shall be considered a single loss.

c. Civil Authority: We do not cover loss caused
by order of any civil authority, including
seizure, confiscation, destruction, or
quarantine of property.

We cover loss resulting from acts of
destruction by the civil authority to prevent the
spread of fire, unless the fire is caused by a
peril excluded under this policy.

d. Nuclear Hazard: We do not cover loss
caused by a nuclear reaction, nuclear
radiation, or radioactive contamination
(whether controlled or uncontrolled; whether
caused by, contributed to or aggravated by a
covered peril; and whether caused by natural,
accidental, or artificial means). Loss caused
by nuclear hazard is not considered loss
caused by fire, explosion, or smoke. Direct
physical loss by fire resulting from the nuclear
hazard is covered.

e. Utility Failure: We do not cover loss caused
by interruption of power or other utility services
resulting from any cause if the interruption
takes place away from the described
premises. Interruption includes reduced or
increased voltage, low or high pressure, or
other interruptions of normal services.

We cover the direct physical loss by a covered
peril which occurs on the described premises
as a result of any power interruption.

f. War: We do not cover loss caused by:

1) declared war, undeclared war, civil war,
insurrection, rebellion, or revolution;

2) a warlike act by a military force or by
military personnel;

3) the destruction, seizure, or use of the
property for a military purpose; or

4) the discharge of a nuclear weapon, even if
it is accidental.

g. Water:

We do not cover loss caused by:

1) flood; surface water; waves, including, but
not limited to, tidal wave and tsunami; tidal
water; tides; overflow of any body of
water; or spray from any of these; all
whether or not driven by wind. This
includes, but is not limited to, storm surge,
storm tide, and tidal surge;

2) water that backs up through, overflows
from, or is otherwise discharged from:

a) sewer or drain;

b) a sump, sump pump, or related
equipment; or

04M5A0494326

c) any other type of system designed to
remove subsurface water which is
drained from the foundation area;

3) water below the surface of the ground.

This includes water that exerts pressure
on or flows, seeps, or leaks through or
into:

a) basements, whether paved or not;

b) doors, windows, or other openings;

c) foundations, floors, walls, or paved
surfaces; or

d) swimming pools, septic tanks, or other
structures; or

4) material present in or carried or otherwise
moved by water described in items 1)
through 3) above.

However, if fire, explosion, or sprinkler
leakage (if a covered peril) results, we do
cover the resulting loss.

This exclusion:

1) applies regardless of the cause of the
water or the material carried or moved by
water described under items g. 1) through
g. 4) above, whether or not such cause is
an act of nature; and

2) applies to, but is not limited to, water and
material present in or carried or moved by
water, whether or not driven by wind, that:

a) overtops;

b) escapes from;

c) is released from; or

d) is otherwise discharged from:

a dam, levee, dike, floodgate, seawall,
or other device or feature designed or
used to retain, contain, or control
water.

h. Trade Sanctions: We do not cover loss if
payment of funds for such a loss would be
prohibited by United States Government or
other countries' trade sanctions, embargoes, or
any other similar regulations.

i. Infectious Disease : We do not cover any of
the following types of losses arising directly or
indirectly out of or in connection with any
infectious disease , whether or not such
infectious disease is proven to have directly
affected your property or operations:

1) direct or indirect loss to property;

2) contamination of property;

3) damage to property;

4) testing of property;

5) expense incurred by any insured;

6) financial loss incurred by any insured;

7) the deterioration of property, loss of value
of property, reduction in the marketability
of property, or loss of use of property, or

8) other loss of any kind related in any
manner to infectious disease.

Furthermore, we do not cover any loss,
damage, liability, expense, fine, penalty nor
any other loss, cost or expense directly or
indirectly caused by, incurred in connection
with, or in any way involving or arising out of
any infectious disease.

j. Digital/data network disruption : We do not
cover any of the following types of losses
arising directly or indirectly out of or in
connection with any digital/data network
disruption:

1) any loss of, alteration of, or direct or
indirect damage to, or a reduction in the
functionality, availability, or operation of a
digital/data network;

2) any loss of use, reduction in functionality,
repair, replacement, restoration, or
reproduction of any data, including any
amount pertaining to the value of such
data; or

3) costs or expenses incurred by the Insured
to identify or remediate software program
errors or vulnerabilities or update, replace,
restore, assemble, reproduce, recollect, or
enhance data or Computer Systems to a
level beyond that which existed prior to a
digital/data network disruption.

Furthermore, we do not cover any loss,
damage, liability, expense, fine, penalty, nor

04M5A0494326

any other loss, cost or expense directly or
indirectly caused by, incurred in connection
with, or in any way involving or arising out of
any digital/data network disruption.

Exceptions to Exclusion (Localized
Outage/Specified Perils): This exclusion will
not apply if the digital/data network
disruption:

1) affects only digital/data networks located
on the described premises set forth within
the property declarations of this policy; or

2) is caused by a specified peril other than
vandalism.

2. We do not pay for loss if one or more of the
following exclusions apply to the loss:

a. Animals: We do not cover loss caused by
animals, including birds, insects, rodents, or
vermin. We cover any resulting loss caused
by a specified peril or breakage of building
glass.

b. Collapse: We do not cover loss caused by
collapse, except as provided in the Additional
Coverage for Collapse. If loss caused by a
covered peril results at the described
premises, we pay for that resulting loss.

c. Contamination or Deterioration: We do not
cover loss caused directly or indirectly by
contamination or deterioration including
corrosion, decay, fungus, mildew, mold, rot,
rust or any quality, fault, or weakness in
property that causes it to damage or destroy
itself. Such loss is excluded regardless of any
other cause or event that contributes
concurrently or in any sequence to the loss.

This exclusion does not apply to any resulting
loss caused by a specified peril or breakage
of building glass.

d. Criminal, Fraudulent, or Dishonest Acts:

We do not cover loss caused by criminal,
fraudulent, dishonest, or illegal acts, alone or
in collusion with another, by:

1) you;

2) others who have an interest in the
property;

3) others to whom you entrust the property;

4) your partners, officers, directors, trustees,
joint adventurers; or

5) the employees or agents of 1), 2), 3), or 4)
above, whether or not they are at work.

e. Defects, Errors, and Omissions: We do not
cover loss which results from one or more of
the following;

1) an act, error, or omission (negligent or not)
relating to:

a) land use;

b) the design, specification, construction,
workmanship, installation, or
maintenance of property;

c) planning, zoning, development, siting,
surveying, grading, or compaction; or

d) maintenance of property (including
land, structures, or improvements);

whether on or off the described premises;

2) a defect, a weakness, the inadequacy, a
fault, or unsoundness in materials used in
construction or repair, whether on or off
the described premises;

3) the cost to make good an error in design;
or

4) a data processing error or omission in
programming or giving improper
instructions.

In addition, we do not cover loss to any kind of
personal property caused by deficiency or
defects in design, specifications, materials, or
workmanship, or caused by latent or inherent
defects.

We cover any resulting loss caused by a
covered peril unless the resulting loss itself is
excluded.

f. Electrical Currents : We do not cover loss
caused by arcing or by electrical currents
other than lightning. If a fire results, we cover
only the loss caused by fire.

g. Explosion: We do not cover loss caused by
explosion of steam boilers, steam pipes,
steam turbines, or steam engines that you
own or lease or that are operated under your
control. If a fire or combustion explosion
results, we cover the resulting loss. We also
cover loss caused by the explosion of gas or

04M5A0494326

fuel in a firebox, combustion chamber, or flue.

h. Freezing: We do not cover loss caused by
water, other liquids, powder, or molten
material that leaks or flows from plumbing,
heating, air conditioning systems or
appliances (other than fire protective systems)
as a result of freezing. This does not apply if
you use reasonable care to maintain heat in
the building or structure; or you drain the
equipment and turn off the supply if the heat is
not maintained.

i. Increased Hazard: We do not cover loss
occurring while the hazard has been materially
increased by any means within your
knowledge or your control.

j. Loss of Use: We do not cover loss caused
by loss of use, business interruption, delay, or
loss of market.

k. Mechanical Breakdown: We do not cover
loss caused by mechanical breakdown or
rupturing or bursting of moving parts of
machinery caused by centrifugal force. We
cover any resulting loss caused by a
specified peril, breakage of building glass, or
elevator collision.

l. Neglect: We do not cover loss caused by
your neglect to use all reasonable means to
save covered property at and after the time of
loss.

We do not cover loss caused by your neglect
to use all reasonable means to save and
preserve covered property when endangered
by a covered peril.

m. Pollutants: We do not cover loss caused by
release, discharge, seepage, migration,
dispersal, or escape of pollutants unless the
release, discharge, seepage, migration,
dispersal, or escape is caused by a specified
peril. We cover any resulting loss caused by a
specified peril.

n. Seepage: We do not cover loss caused by
continuous or repeated seepage or leakage of
water or steam that occurs over a period of 14
days or more.

o. Settling, Cracking, Shrinking, Bulging, or
Expanding: We do not cover loss caused by
settling, cracking, shrinking, bulging, or
expanding of pavements, footings,
foundations, walls, ceilings, or roofs. We cover
any resulting loss caused by a specified peril
or breakage of building glass.

p. Smog, Smoke, Vapor, or Gas: We do not
cover loss caused by smog, smoke, vapor, or
gas from agricultural smudging or industrial
operations.

q. Temperature/Humidity: We do not cover
loss to personal property caused by
dampness, dryness, or changes in or
extremes of temperature. We cover any
resulting loss caused by specified perils or
breakage of building glass.

r. Voluntary Parting: We do not cover loss
caused by voluntary parting with title to or
possession of any property because of any
fraudulent scheme, trick, or false pretense.

s. Wear and Tear: We do not cover loss caused
by wear and tear, marring, or scratching. We
cover any resulting loss caused by a specified
peril or breakage of building glass.

t. Weather: We do not pay for loss caused by
weather conditions if the weather conditions
contribute in any way with a cause or event
excluded in paragraph 1. above.

We cover any resulting loss caused by a
covered peril unless the resulting loss itself is
excluded.

ADDITIONAL PROPERTY EXCLUDED AND

LIMITATIONS

1. Animals: We do not cover loss to animals,
including birds and fish, except death or
destruction of animals caused by specified perils
or breakage of building glass.

2. Boilers: We do not cover loss to steam boilers,
steam pipes, steam turbines, or steam engines
caused by any condition or occurrence within such
equipment. We do cover loss to such equipment
caused by the explosion of gas or fuel in a firebox,
combustion chamber, or flue.

We do not cover loss to hot water boilers or
heaters caused by any condition or occurrence
within such equipment other than explosion. This
exclusion includes bursting, cracking, exploding,
or rupturing.

3. Building Materials: We do not cover loss to
building materials and supplies that are not
attached to buildings or structures, unless held for

04M5A0494326

sale by you, caused by theft.

We cover loss caused by looting and pillaging at
the time and place of a riot or civil commotion.

4. Furs: We do not cover furs or fur garments for
loss by theft for more than $2,500 total in any one
occurrence.

5. Glassware/Fragile Articles: We do not cover
breakage of fragile articles such as glassware,
statuary, porcelains, and bric-a-brac, except as a
result of specified perils or breakage of building
glass. This does not apply to glass that is a part of
a building or structure; bottles or other containers
held for sale; or lenses of photographic and
scientific instruments.

6. Gutters and Downspouts: We do not cover loss
to gutters and downspouts caused by the weight
of ice, sleet, or snow.

7. Interior of Buildings: We do not cover loss to
the interior of buildings or structures or to personal
property in the buildings or structures caused by
rain, snow, sleet, ice, sand, or dust, unless:

a. entering through openings made by a
specified peril; or

b. the loss is caused by the thawing of snow,
sleet, or ice on the building or structure.

8. Theft of Jewelry, Watches, Jewels, Pearls, Pre-
cious Stones, and Metals: We do not cover
more than $10,000 total for any one occurrence,
for loss by theft of jewelry; watches; watch
movements; jewels; pearls; precious or semi-
precious stones; gold, silver, or other precious
metals or items consisting primarily of precious
metals. If, however, you provide documentation
that these items have been properly appraised by
a professional appraiser within three years prior to
the date of loss, we will then pay up to $25,000
toward replacement of such property in
accordance with such appraisal.

9. Machinery, Tools, and Equipment: We do not
cover builders' machinery, tools, and equipment
owned by you or in your care, while away from
the described premises except as a result of
specified perils or breakage of building glass.

10. Missing Property: We do not cover missing
property where the only proof of loss is
unexplained or mysterious disappearance, or
shortage discovered on taking inventory, or other
instance where there is no physical evidence to
show what happened to the property.

11. Patterns, Dies, Molds, Models, and Forms: We
do not cover more than $2,500 total in one
occurrence for loss by theft to patterns, dies,
molds, models, or forms.

12. Personal Property in the Open: We do not
cover loss to personal property in the open caused
by rain, snow, ice, or sleet.

13. Stamps, Tickets, Letters of Credit: We do not
cover more than $250 total in any one occurrence
for loss by theft to stamps, tickets (including lottery tickets held for sale), or letters of credit.

14. Transferred Property: We do not cover loss to
property that has been transferred to a person or
to a place away from the described premises on
the basis of unauthorized instructions.

ADDITIONAL COVERAGES

1. Collapse:

a. With respect to buildings:

1. Collapse means an abrupt and sudden
falling down or caving inward of a building,
or any part of a building, with the result
that the building or part of the building is
no longer capable of being occupied for its
intended purpose;

2. A building or any part of a building that is
in danger of falling down, caving in, or
which has substantially impaired structural
integrity, is not considered to be in a state
of collapse;

3. A part of a building that is standing is not
considered to be in a state of collapse
even if it has separated from another part
of the building;

4. A building that is standing or any part of a
building that is standing is not considered
to be in a state of collapse even if it
shows evidence of cracking, bulging,
sagging, bending, leaning, settling,
shrinkage or expansion.

b. We pay for direct physical loss involving
collapse of a building or structure or any part
of a building or structure caused only by one
or more of the following:

1. specified perils; all only as covered in the
Commercial Property Coverage;

04M5A0494326

2. hidden decay, unless the presence of
such decay is known to an insured prior
to collapse;

3. hidden insect or vermin damage, unless
the presence of such damage is known to
an insured prior to collapse;

4. weight of people or personal property;

5. weight of rain that collects on a roof; or

6. the use of defective material or methods in
construction, remodeling, or renovation if
the collapse occurs during the course of
construction, remodeling, or renovation.

We do not pay for loss to the following types of
property, if such loss is caused by the perils
described under items b(2) through b(6)
above, unless the loss is a direct result of the
collapse of a building or structure:

outdoor radio, television, satellite, dish-
type, or other antennas including their
masts, towers, and lead-in wiring; outdoor
awnings or canopies or their supports;
fences; gutters and downspouts; yard
fixtures; outdoor swimming pools; piers;
wharves; and docks; beach or diving
platforms or appurtenances; retaining
walls; foundations; walks, roadways, and
other paved surfaces.

Collapse does not include settling, cracking,
shrinking, bulging, bending, leaning, or
expanding.

This additional coverage for collapse will not
increase the limit of insurance provided.

2. Tearing Out and Replacing: When loss caused
by:

a. water;

b. other liquids;

c. powder; or

d. molten material

is covered, we also pay the cost of tearing out and
replacing any part of the building or structure to
repair damage to the syst em or appl iance from
which the water or other substance escapes.

We do not pay for damage to the system or
appliance from which the water or other substance
escapes. However, we pay the cost to repair or
replace damaged parts of fire extinguishing
equipment if the damage results in discharge of
any substance from an automatic fire protection
system; or is directly caused by freezing.

04M5A0494326
BCP-0631 CA (1.0) Brotherhood Mutual Insurance Company, Copyright, 2022 Page 1 Includes Copyrighted Material from American Association of Insurance Services, Inc.

This endorsement changes
the policy
-- PLEASE READ THIS CAREFULLY --

AMENDATORY ENDORSEMENT

CALIFORNIA

1. Under Perils Excluded, in Special Perils Part
BCP-85, Criminal, Fraudulent, or Dishonest
Acts is amended to include the following:

However, with respect to a covered loss caused
by fire, this exclusion does not apply to an
insured who did not cooperate with or contribute
to the act that caused such loss.

Subject to all other "terms" of this policy, "our"
payment to an insured who did not cooperate in
or contribute to the act that caused the loss may
be limited to that person's insurable interest in
the property, less any payment made to a
mortgagee or other party with a legal secured
interest in the property. "We" retain all rights set
forth in the Subrogation condition of this policy
with regard to action against the perpetrator of
the act that caused the loss.

2. Under What Must Be Done In Case Of Loss,
Examination Under Oath is amended to include
the following:

Any examination under oath is subject to the
provisions of Section 2071.1 of the California
Insurance Code.

3. Under What Must Be Done In Case Of Loss,
Records is amended to include the following:

"We" will inform "you" that tax returns are
privileged against disclosure under applicable
state law but may be necessary to process or
determine the claim.

4. Under Valuation, Actual Cash Value is amended
to include the following:

a. When actual cash value "terms" apply to
covered building property:

1) the actual cash value of building
property that has suffered a total loss
will be determined as:

a) the fair market value of that building
property; or
b) the "limit" shown on the
declarations page as applicable
to that building property;

whichever is less.

2) the actual cash value of building
property that has suffered a partial
loss will be determined as:

a) the amount it would cost "you" to
repair, rebuild, or replace the
damaged portion of the building
property less a fair and
reasonable deduction for
physical depreciation of the
components of that building
property that are normally
subject to repair or replacement
during the building property's
useful life; or
b) the "limit" applicable to the
damaged building property at the
time of the loss.

whichever is less.

The condition of the property at the time
of the loss is the basis for determining the
amount of physical depreciation. The
expense of labor necessary to repair,
rebuild, or replace covered property is
not a component of physical
depreciation.

b. When the actual cash value "terms"
apply to covered property other than
building property, the actual cash value
of that property will be determined as:

1) the amount it would cost to repair,
rebuild, or replace the lost,
damaged, or destroyed property less
a fair and reasonable deduction for
physical depreciation; or
2) the "limit" applicable to that property
at the time of the loss.

04M5A0494326

BCP-0631 CA (1.0) Brotherhood Mutual Insurance Company, Copyright, 2022 Page 2 Includes Copyrighted Material from American Association of Insurance Services, Inc. whichever is less.

The condition of the property at the time of
the loss is the basis for determining the
amount of physical depreciation. The
expense of labor necessary to repair,
rebuild, or replace covered property is not a
component of physical depreciation.

5. Under Valuation, the last paragraph of
Replacement Costs, if applicable, is deleted.

6. Under How Much We Pay, Loss Settlement
Terms are amended to include the following:

However, when replacement cost valuation
applies, "we" pay no more than the actual cash
value of the damaged property before the repair
or replacement takes place. If the repair or
replacement is completed within 12 months of
the date that the initial actual cash value
payment is made, "we" will pay the difference
between the actual cash value and the
replacement cost of the damaged property.
"We" will allow additional extensions of up to six
months if repair or replacement is delayed for
good cause. In the event of a loss related to a
state of emergency as defined in Section 8558
of the Government Code of California, repair or
replacement must be completed within 24
months of the date that the initial payment is
made. This paragraph does not apply to the
Limited Replacement Cost provision under
Valuation.

7. Under Loss Payment, the following provision is
added:

Adjusters - If, within a six-month period, "we"
assign a third or subsequent adjuster to be
primarily responsible for a claim, "we", in a
timely manner, will provide "you" with a written
status report that contains a summary of any
decisions or actions that are substantially
related to the disposition of the claim, including,
but not limited to, the amount of losses to
structures or contents, the retention or
consultation of design or construction
professionals, the amount of coverage for
losses to structures or contents, and all items of
dispute.

8. Under Conditions, Misrepresentation,
Concealment, or Fraud is deleted and replaced
by the following:

Misrepresentation, Concealment, or
Fraud - "We" do not provide coverage to the
insured who has, before or after a loss:

a. willfully concealed or misrepresented:

1) a material fact or circumstance that
relates to this insurance or the
subject thereof; or
2) the insured's interest herein; or

b. committed fraud or sworn falsely with
regard to a matter that relates to this
insurance or the subject thereof.

04M5A0494326
This endorsement changes the policy.

BCP-0832 CA (1.0)

Page 1 of 1 ends

________________________________________________________________________________________________ BCP-0832 CA (1.0) Brotherhood Mutual Insurance Company Page 1 of 1

AMENDATORY ENDORSEMENT
- PROPERTY COVERAGES -

CALIFORNIA
References within policy amendatory endorsements to various policy forms are replaced as indicated below:

1. All references to form CP-12 are replaced by form BCP-12 (Building and Personal Property Coverage Part) or form BCP-12B (Broadened Building and Personal Property Coverage Part), whichever is shown on the declarations as applying to the policy.

2. All references to form CP-14 are replaced by form BCP-14 (Builders’ Risk Coverage Part).

3. All references to form CP-60 are replaced by form BCP-60 (Earnings Coverage Part).

4. All references to form CP-70 are replaced by form BCP-70 (Income Coverage Part).

5. All references to form CP-75 are replaced by form BCP-75 (Tuition Coverage Part).

6. All references to form CP-85 are replaced by form BCP-85 (Special Perils Part ).

7. All references to form CP-89 are replaced by form BCP-89 (Earthquake Perils Part).

8. All references to form CP-100 are replaced by form BCP-100 (Commercial Property Coverage Conditions).

9. All references to form CP-125 are replaced by form BCP-125 (Debris Removal Coverage).

10. All references to form CP-132 are replaced by form BCP-132 (Loss Payable).

11. All references to form CP-609 are replaced by form BCP-609 (Market Value).

04M5A0494326

04M5A0494326
BCP-147 (1.0) Copyright 2013, Brotherhood Mutual Insurance Company Page 1 of 2 All Rights Reserved
Contains material from American Association of Insurance Services, Inc., with its permission.

THIS INSURANCE ENDORSEMENT FORMS PART OF YOUR POLICY CONTRACT .

PLEASE READ IT CAREFULLY.
-SUPPLEMENTAL PROPERTY VALUATION PROVISION-

BLANKET/COMBINED VALUATION FORM

STATEMENT OF VALUES
(The information shown below may be shown on a separate schedule or supplemental Declarations.)

HOW MUCH WE PAY
When this endorsement is shown on the
declarations, and covered property is
shown as being included within a Group of
property described on the Statement of
Values included on this form, the following
paragraphs replace and supersede the Loss
Settlement Terms of the How Much We Pay
section of the Building and Personal
Property Coverage Part (BCP-12) with
respect to losses to the covered property
described on the Statement of Values:

Loss Settlement Terms: Subject to
paragraphs 1., 2., 4., 5., and 6., in this How
Much We Pay section, for loss to any
covered property we pay the lesser of:
a. the amount determined under Valuation
of Property;
b the cost to repair, replace or rebuild the
property with material of like kind and
quality to the extent practicable; or
c. the limit shown on the declarations for
any group of property, described on the
Statement of Values shown above, in
which the covered property is included.

For a loss occurring to covered Building
Property, as described on the declarations,
Group Loc./
Bldg.

Location of
Property Type of Property Building
Value
Personal Property
Value

See Declarations

04M5A0494326
BCP-147 (1.0) Copyright 2013, Brotherhood Mutual Insurance Company Page 2 of 2 All Rights Reserved
Contains material from American Association of Insurance Services, Inc., with its permission. that is undergoing a Renovation Project at
the time of the loss the limit we will pay is
provisional. The actual limit of insurance in
effect at the time of the loss is the sum of:
1) the building value shown on the
Statement of Values included on
this form, for any individual
building or structure undergoing
a Renovation Project , that
applied to such building prior to
the inception of the
Renovation Project, and
2) the value of the completed
Renovation Project , multiplied
by the proportion of the
Renovation Project that has
been completed at the time of
loss.

For Additional Coverages and
Supplemental Coverages, subject to
paragraphs 1., 2., 4., 5., and 6., in this
How Much We Pay section, we pay the
lesser of:
a. the actual loss sustained; or
b. the limit indicated within each
Additional Coverage or
Supplemental Coverage.

OTHER PROVISIONS
All other provisions of the policy remain
unchanged.

04M5A0494326
BCP-188 (4.5) Copyright 2018, Brotherhood Mutual Insurance Company Page 1 of 2 All Rights Reserved
Contains material from American Association of Insurance Services, Inc., with its permission.

The provisions of this endorsement replace and supersede any other provisions of the policy which exclude coverage in relation to earth movement or volcanic eruption. The Deductible provision of this endorsement will replace and supersede any other deductible provision of the policy for following damage as defined herein.

THIS INSURANCE ENDORSEMENT FORMS PART OF YOUR POLICY CONTRACT.

PLEASE READ IT CAREFULLY.

EXCLUSION - EARTH MOVEMENT AND VOLCANIC ERUPTION

DEDUCTIBLE - FOLLOWING DAMAGE

DEFINITIONS
The following definitions apply only to the provisions
of this endorsement. The defined terms we, you and
your have the same meaning in this endorsement as
in other property coverage endorsements.

1. Earth movement means any movement or
shaking of land, however caused. Earth
movement includes, but is not limited to,
earthquake, landslide, mudslide, mud flow, earth
liquification; or sinking, rising or shifting of earth.

2. Volcanic eruption means the eruption of solid,
molten or hot gaseous material from within the
earth's crust, and includes volcanic explosion.

3. Direct damage means:
a. any structural damage (including cracking,
shifting, sagging, marring, warping, bulging,
twisting, upheaval or subsidence) to any
building or structure, or any portion thereof;
b. any loss of, or damage to, any decorative
element of any building or structure
(including masonry veneer or other siding);
c. the partial or total collapse of any building or
structure, or any portion thereof; or
d. any other damage to buildings, contents or
other property;
if such damage occurs during the course of, or as
a result of, any earth movement or volcanic
eruption event. But direct damage does not
include loss resulting from any peril listed in the
definition of following damage.

4. Following damage means any damage that
results from one or more of the following perils:
fire; explosion; leakage from fire
extinguishing equipment; water damage; civil
commotion; vandalism; or riot;
but only if such damage arises directly or
indirectly out of, and follows within 15 days of, an
earth movement or volcanic eruption event.

Following damages does not include direct
damage, or any other loss not arising out of one
of the perils listed above.

PERILS EXCLUDED

1. We do not pay for loss if one or more of the
following exclusions apply to the loss, regardless
of other causes or events that contribute to or
aggravate the loss, whether before, at the same
time as, or after the excluded causes or events.
a. Earth movement: We do not cover loss
caused by any earth movement activity or
event of any kind.
b. Volcanic eruption : We do not cover loss of
any kind that arises directly or indirectly out
of any volcanic eruption or activity or event
of any kind.

But we will pay for following damage arising out
of earth movement or volcanic action if such
damage would otherwise be covered under the
terms of this policy.

The exclusions set forth herein replace and
supersede any other exclusionary language of
the policy pertaining to the movement of earth or
volcanic activity.

04M5A0494326
BCP-188 (4.5) Copyright 2018, Brotherhood Mutual Insurance Company Page 2 of 2 All Rights Reserved
Contains material from American Association of Insurance Services, Inc., with its permission.

DEDUCTIBLE (Following Damage)
For any damage caused by one or more of the perils
listed in the definition of following damage (if such
damage is otherwise covered by this policy), the
deductible for such following damage will be equal
to 10% of the replacement value of a covered
structure and its contents prior to loss, if either the structure or contents sustain following damage of
any kind. We will pay only that part of a covered loss (building and contents) that exceeds this 10%
deductible amount.

This deductible provision replaces and supersedes
any other deductible provision of the policy relating to any loss peril that meets the definition of following
damage herein.

PROVISION MODIFICATION
We will not pay for any Extra Expense, nor for any
cost or expense required to comply with any
Ordinance or Law (even if payment of such cost or
expense would otherwise be provided by this policy),
if such cost or expense arises directly or indirectly out of:
a. any direct damage; or
b. any following damage;
that results from any earth movement or volcanic
eruption activity of any kind.

This Provision Modification replaces and supersedes
any other provision of the policy relating to “Extra
Expense” or “Ordinance or Law” for all loss and
related events associated with earth movement or
volcanic eruption activity.

04M5A0494326

BCP-500 (4.5) Copyright, 2018 Brotherhood Mutual Insurance Co. Page 1 of 1 All Rights Reserved The property coverage provided by this policy is subject to the provisions shown below. The COMMERCIAL PROPERTY COVERAGE CONDITIONS (BCP-100), the PERILS PART, and either the BUILDING AND PERSONAL PROPERTY COVERAGE PART (BCP-12) or the BUILDERS’ RISK COVERAGE PART (BCP-14) (if indicated on the Declarations as applying to a particular building) also apply except to the extent modified by the provisions of this endorsement. The Deductible provision of this endorsement will modify any other deductible provision of the policy in accordance with the provisions set forth herein.

T
HIS INSURANCE ENDORSEMENT FORMS PART OF YOUR POLICY CONTRACT.

PLEASE READ IT CAREFULLY.

LOSS FREE DEDUCTIBLE REDUCTION ENDORSEMENT

DEFINITIONS

The following definitions apply only to the provisions
of this endorsement. The defined terms we, you and
your have the same meaning in this endorsement as
in other property coverage endorsements.

1. Loss free period means the period of time
during which no property claims are submitted
with respect to your policy for payment by us.

Such period begins at:

a. the inception date of your coverage with us;
or

b. if you have had a covered loss under this
policy, the date of the most recent covered
loss, for which we made a payment,
preceding the loss to which the deductible
reduction provided by this endorsement
applies.

This loss free period ends at the date of a
covered loss to which the deductible reduction
provided by this endorsement is applied by us.

LOSS FREE DEDUCTIBLE

This endorsement modifies the Deductible provision
in the How Much We Pay section of the Building and
Personal Property Coverage Part and applies to all
property coverage deductibles, except as otherwise
noted within this endorsement.

The policy deductible applied to the first loss
following a loss free period will be reduced in
accordance with the provisions set forth below.

1. Longer than two years: If the loss free period
is longer than two years, the deductible applied to
the loss will be reduced by 25%.

2. Longer than four years: If the loss free period
is longer than four years, the deductible applied
to the loss will be reduced by 50%.

3. Longer than six years: If the loss free period is
longer than six years, the deductible applied to
the loss will be reduced by 100%.

4. Regardless of the length of the loss free period,
the deductible applied to the loss will not be
reduced by more than $2,500. The deductible
applied to the loss will also never be less than $0.

5. The Loss Free Deductible Reduction provided by
this endorsement does not apply to any losses
covered by the following endorsements, if they
are included with this policy:

a. Residents’ Personal Property Coverage
(BCG-441);

b. Residents’ Scheduled Property Coverage
(BCG-449); and

c. windstorm or hail damage deductible
endorsements.

Example - 6+-year loss free period

Net loss: $2,000

Policy deductible: $1,000
Less loss free reduction: - $ 1000
Deductible applied: $ 0

L o s s : $ 2 , 0 0 0
Deductible Applied: - $ 0
W e P a y : $ 2 , 0 0 0

04M5A0494326
BCP-701 CA (1.0) Copyright 2022, Brotherhood Mutual Insurance Company Page 1 of 5

This endorsement changes
the policy
-- PLEASE READ THIS CAREFULLY --

APPRAISAL ENDORSEMENT

PROVISION AMENDMENT

The terms set forth in this endorsement replace and supersede any other provisions of this policy related to appraisal. Accordingly, the Appraisal condition in the applicable coverage part or inland marine coverage that is included with your policy, together with any other provisions within your policy related to appraisal, are deleted and replaced by the following:

DEFINITIONS

For purposes of this endorsement:

1. Party and parties mean, collectively, you
and us.

2. Qualified appraiser means an appraiser
who is competent, unbiased, and has no
financial interest in the outcome of the
appraisal process.

3. Qualified umpire means an umpire who is
competent, unbiased, and has no financial
interest in the outcome of the appraisal
process.

OTHER CONDITIONS

Appraisal: If we have agreed that a claim
submitted by you is covered in full or in part,
and there is a dispute regarding: (1) the extent
of covered physical loss to covered property
occurring on the reported date of loss; and/or
(2) the cost to repair or replace covered
property that we have agreed sustained
covered physical loss; then either party may
submit a written request that these issues be
resolved through the appraisal process in this
Appraisal Endorsement. If a government-
declared disaster occurs, as defined in the
Government Code, either you or we may
request appraisal, but it cannot be compelled.

If the basis for a dispute relates to whether and
how insurance coverage applies, how a loss
occurred, or any matter other than the two
above enumerated loss-related matters,
appraisal may not be requested or pursued.

The parties retain the right to address disputes
involving coverage, causation, or other matters
that are outside the scope of this appraisal
provision through appropriate legal
proceedings in a court having proper
jurisdiction.

Neither party may proceed with the appraisal
process unilaterally, absent the collaborative
cooperation on the part of the other party
under the terms of this Appraisal
Endorsement. Any decision resulting from any
unilateral appraisal process will not be binding
upon the party that was not collaboratively
engaged in the unilateral appraisal process.

Appraisal Prerequisites and Timing
Limitations: Neither party may submit a
written request for appraisal until the following
steps have taken place:

1) you provide to us:

a. a completed signed and sworn proof
of loss or other comparable statement
setting forth your loss, together with a
detailed estimate for repairs or
replacement, and any other
supporting documentation that is
requested by us, and

b. if requested, individuals identified by
us to appear for an examination
under oath; and

2) we have provided you with a scope of
covered physical loss and the cost to repair
or replace the covered property.

We may request an examination under oath
after receiving a written request for appraisal
from you. If we make such a request, all time
periods set forth in this Appraisal Endorsement,
including the time period for us to state the
name of the individual appointed as our
appraiser, will be placed in abeyance while the
statements under oath are obtained. All such

04M5A0494326
BCP-701 CA (1.0) Copyright 2022, Brotherhood Mutual Insurance Company Page 2 of 5

stated time periods will then recommence and
begin running 15 days after the date on which
the final requested examination under oath has
been completed.

You may not submit a request for appraisal
more than 90 days after the date of any written
communication in which we have provided you
with a scope of covered physical loss and the
cost to repair or replace the covered property.

You may not request appraisal after filing a
lawsuit against us. If you file a lawsuit against
us related to the scope of covered physical loss
and the cost to repair or replace the covered
property, we retain the right to submit a written
request for appraisal within 90 days after formal
service of process of the lawsuit has been
received by us. If such a written request for
appraisal is submitted by us, you must either
dismiss the lawsuit, or file a stay of proceedings
in the lawsuit pending the outcome of the
appraisal.

Appraisal Request: Any request for appraisal
must be sent in writing both by electronic
communication (email) and by certified
mail, with return receipt requested, to the
individual representative of the other party who
is primarily responsible for handling the claim.

Notice to us must be delivered by certified mail
to our home office in Fort Wayne, Indiana. If
the party submitting the appraisal request
does not receive an acknowledgment of
receipt of the request within 15 days, additional
reasonable efforts must be made to ensure that
the written request was received by the other
party. The written request for appraisal must
include a detailed written statement of the
disputed issues that the party requesting
appraisal seeks to resolve through the
appraisal process, consistent with the terms of
this Appraisal Endorsement. Any refusal by a
party to participate in the appraisal process
can only be addressed through legal
proceedings before a court having proper
jurisdiction, and not by unilaterally pursuing
the appraisal process without the collaborative
involvement of the other party and the other
party’s designated appraiser.

Appointing Appraisers: As part of its written
appraisal request, the party requesting
appraisal must provide its appointed
appraiser’s name, employer, and contact
information. Within 30 days of receiving the
appraisal request, the other party must provide
its appointed appraiser’s name, employer, and
contact information. Both appraisers must be
qualified appraisers. The parties may make
reasonable requests for information from the
other party as part of its investigation into
whether an appraiser may not be a qualified
appraiser. Any objection to the appointment of
an appraiser must be made to the other party
in writing within 45 days of the date that the
objecting
party is notified of the identity of the
appointed appraiser. Such objection must
include the party’s rationale for why the other
party’s appointed appraiser is not a qualified
appraiser. At such time, the party naming the
appraiser that is allegedly not a qualified
appraiser may either name a different
appraiser, or it may stand by its previous
appraiser appointment. The appraisal process
will then move forward, with the alleged
reasons that the appraiser is not a qualified
appraiser reserved for resolution in later legal
proceedings if necessary.

Each party may provide its own appointed
appraiser with estimates, expert reports, and
other information relevant to its position. All
such information must be shared with the other
party’s appraiser upon request.

Joint Statement of Disputed Issues:

Following the submission of a request for
appraisal in accordance with this Appraisal
Endorsement, during the time that the
responding party’s appraiser is being
appointed, the parties will work cooperatively
to reach agreement in writing regarding a final
statement of the disputed issues to be resolved
through the appraisal process. The matters
addressed within the Joint Statement of
Disputed Issues are limited to: (1) the extent of
covered physical loss to covered property
occurring on the reported date of loss; and/or
(2) the cost to repair or replace covered
property that we have agreed sustained
covered physical loss. When agreement is
reached regarding the joint statement of
disputed issues, the parties will provide this
written final statement of disputed issues to the
appointed appraisers. If, at the time the
responding party’s appraiser has been
appointed, the parties still have not agreed on
a written statement of the disputed issues to be
resolved through the appraisal process, the
parties will provide their respective positions to
the appraisers in writing. During the course of
the appraisal process, the appraisers will
prepare a written statement of the issues to be
resolved through the appraisal process
consistent with this section. The appraisers will

04M5A0494326
BCP-701 CA (1.0) Copyright 2022, Brotherhood Mutual Insurance Company Page 3 of 5

provide this written statement to the parties. If
the appraisers are unable to agree upon a joint
statement of disputed issues, then the matter
will be submitted to a qualified umpire as
outlined in the Appointing an Umpire section
below.

Preliminary Appraisal Process: Once the
appraisers have agreed upon the joint
statement of disputed issues and have
provided this written statement to the parties,
the appraisers will then work cooperatively to
resolve disputed issues of the loss in
accordance with the facts associated with the
applicable loss and the terms of your policy.

This includes providing their respective
positions in writing to the other appraiser at
least 15 days prior to the appraisers’ joint
inspection of the property. Thereafter, the
appraisers will meet at the loss location for a
joint inspection. After the joint inspection, the
appraisers will attempt to reach agreement
regarding the disputed issues. If the appraisers
reach agreement regarding any or all disputed
issues, the appraisers will state in writing both
the replacement cost(s) and the actual cash
value(s) at the time of the loss for such agreed-
upon items. The appraisers will also state in
writing any issues upon which there was
disagreement that may be resolved with
involvement of an umpire. Both appraisers
must sign this agreement and provide it to the
parties. The issues for which agreement was
not reached will be resolved through the
addition of a qualified umpire to the appraisal
process.

Appointing an Umpire: The appointment of a
qualified umpire will be triggered if: (1) the
appraisers are unable to agree upon a written
statement of the disputed issues to be resolved
through the appraisal process; or (2) the
appraisers are unable to fully resolve the
subject disputed issues through the Preliminary
Appraisal Process. Regardless of how the
appointment of a qualified umpire is triggered,
the process to select the umpire must
commence within 15 days of the triggering
event.

In appointing a qualified umpire , each
appraiser will first provide the other appraiser
with the names of at least three proposed
qualified umpires.

If any of the names of the
proposed umpires provided by the appraisers
match, the appraisers will appoint one of the
mutually-acceptable umpires. If none of the
names of the proposed umpires on the
appraisers’ lists match, the appraisers will then
work collaboratively to appoint a mutually-
acceptable qualified umpire . If the two
appraisers are unable to agree on the
appointment of a qualified umpire within 15
days, the parties, through their respective
representatives, will jointly apply to a court in
the county where the insured property (the
subject of the dispute) is located to appoint a
qualified umpire . If litigation is stayed
pending the outcome of the appraisal, then the
parties, through their respective
representatives, will jointly apply to the court
where the litigation is stayed to appoint a
qualified umpire. Any objections to the court-
appointed umpire will be made to the court that
appointed the umpire within 15 days of the
objecting party’s receipt of notice of the
umpire’s appointment.

Appraisal Panel Process: The two appointed
appraisers, together with the appointed umpire,
will comprise the appraisal panel. Once an
umpire has been appointed, the appraisers will
provide the umpire with the written agreement
prepared by the appraisers in accordance with
the Preliminary Appraisal Process section of
this Appraisal Endorsement. If the appraisers
were unable to agree upon a written statement
of the disputed issues, then the umpire will
review all claim documentation, including
estimates, expert reports, and other
information relevant to the claim, and will
interview the two appraisers, and, if necessary,
the parties, for purposes of developing the final
written statement of disputed issues. All
remaining disputes involving: (1) the extent of
covered physical loss to covered property
occurring on the reported date of loss; and/or
(2) the cost to repair or replace covered
property that we have agreed sustained
covered physical loss will be decided by the
panel of the two appraisers and the umpire.

The parties’ respective positions will be
submitted in writing by the appraisers at least
15 days prior to a joint inspection with the
appraisers and the umpire in attendance.

Thereafter, the appraisers and the umpire will
meet at the loss location for the joint inspection.

The umpire will then work cooperatively with
the appraisers in resolving the remaining
disputed issues.

If at any time during the appraisal process
either party’s appointed appraiser changes
that party’s claimed loss amount by greater
than 5%, or if the appraisers or the umpire
include additional damage components not

04M5A0494326
BCP-701 CA (1.0) Copyright 2022, Brotherhood Mutual Insurance Company Page 4 of 5

previously at issue in the c l a i m adjustment
process, either party may request a stay of the
appraisal process to allow a reasonable period
of time for the changes to be assessed and
investigated. The appraisal panel will honor
any reasonable request for such a stay.

Appraisal Award: Following appropriate
consideration of the facts and the applicable
policy of insurance, an appraisal award will be
rendered by the appraisal panel. An appraisal
award signed by two members of the Appraisal
Panel will be binding on the parties, subject to
the Appeal of Award provision set forth below.

The appraisal award will identify all issues
resolved by the appraisers alone or with the
involvement of the umpire, stating both the
replacement cost(s) and actual cash value(s) of
the property at the time of the loss. The
appraisal award signed by at least two
members of the appraisal panel will be
provided to the parties, and the final written
statement of the issues will be included as part
of the final appraisal award. The appraisal
award will be subject to appeal only if it
specifically meets one or more of the criteria
set forth in the Appeal of Award section below.

Appraisal Impasse: If at any point during the
appraisal process, but not later than 90 days
after the appointment of the umpire, the
appraisal panel is unable to reach agreement
in a manner that will permit the parties to move
forward with the appraisal process as set forth
in this Appraisal Endorsement, then the
appraisal process will be considered to have
reached an impasse. Any refusal by either
party or its appointed appraiser or the umpire
to effectively carry out the appraisal process in
accordance with the terms of this Appraisal
Endorsement will also result in an impasse as
described above. In the event of an impasse,
the appraisal process will terminate, and the
appraisers and the umpire will communicate in
writing the occurrence of the impasse to the
parties. Once an impasse has occurred, the
appraisal process may not thereafter be
reinstituted unless both parties agree in
writing, exchanged via certified mail, to
reinstitute the process. Following an impasse
in the appraisal process, if both parties do not
agree in writing, exchanged via certified mail,
to reinstitute the process, the only two available
means of resolving the claim dispute will be: (1)
additional direct negotiation between the
parties; or (2) a legal proceeding filed by one
party against the other party before a court
having proper jurisdiction in the matter.

Appraisal Costs and Payment of the Award:

Each party will bear the cost of its own
appointed appraiser. The cost of the umpire will
be split evenly between the parties. The
appraisers and umpire will be paid on a straight
hourly-rate basis, using a reasonable hourly
rate for the nature of the work being provided.

The appraisers and umpire will keep a record
of the number of hours worked. Upon written
request, the parties will disclose the hourly rate
of their respective appraiser, the number of
hours worked on the appraisal, the total fees
and costs invoiced by the appraisers, and the
total fees and costs that have been paid to the
appraisers. No third party may pay these costs,
nor assume responsibility for these costs.

Unless the appraisal award is appealed as set
forth in the Appeal of Award section below, we
will pay any additional covered amount owed
on the claim under the terms of your
policy pursuant to the appraisal award, and
such payment will be sent within 30 days after
receiving the appraisal award.

Appeal of Award: An appraisal award that is
rendered under the
terms of this Appraisal
Endorsement may be appealed only if one or
more of the following conditions materially
affects the amount awarded: (1) incompetency,
bias, or financial interest in the outcome of the
appraisal process on the part of an appraiser;
(2) incompetency, bias, or financial interest in
the outcome of the appraisal process on the
part of the umpire; (3) material collusion, fraud
or misrepresentation on the part of one or more
persons taking part in the appraisal process; or
(4) any other condition that is provided for by
law in the state where the insured property is
located. If a party objects to the appraisal
award for one of the above-enumerated
reasons, then, within 30 days of the date on
which the appraisal award is conveyed, such
party must submit a complaint to a court in the
county where the insured property is located
(the subject of the dispute) to request that the
appraisal award be set aside. If litigation is
stayed pending the outcome of the appraisal,
then the party must file a motion with the court
where the litigation is stayed requesting the
appraisal award be set aside. The party that
loses the appeal of the appraisal award must
pay the reasonable costs and attorney fees for
both parties that are incurred in relation to the
appeal.

Other Provisions and Limitations Applying

04M5A0494326
BCP-701 CA (1.0) Copyright 2022, Brotherhood Mutual Insurance Company Page 5 of 5

to Appraisal:

Policy Coverage: The purpose of the
appraisal process described in this Appraisal
Endorsement is to resolve disputes between
the parties related specifically to: (1) the extent
of covered physical loss to covered property
occurring on the reported date of loss; and/or
(2) the cost to repair or replace covered
property that we have agreed sustained
covered physical loss. The appraisal process
does not determine whether coverage exists
for any loss under the terms of your policy.

Accordingly, nothing associated with the
appraisal process as set forth in this Appraisal
Endorsement will serve to alter any aspect of
coverage, limits, conditions, exclusions, or any
other terms of your policy. Even if there is a
signed appraisal award, we retain our right to
apply policy terms to the loss for which
appraisal was requested at any time before,
during, or after the appraisal process
commences. If coverage under the terms of
your policy does not apply to a loss for which
appraisal was requested, then the appraisal
process as set forth in this Appraisal
Endorsement is nullified.

Good Faith Assumption: If the appraisal
process is requested by either party under the
terms of this Appraisal Endorsement, it is
assumed that the action taken by the parties
will be undertaken in good faith. Accordingly,
the fact that an impasse to the process occurs,
an appeal of the appraisal award is pursued, or
the appraisal process otherwise fails to resolve
the dispute in question, such result may not be
used as grounds for alleging bad faith on the
part of the other party.

Joint Modification of the Appraisal
Process: You and we retain the right to jointly
agree in writing to modify any terms of the
appraisal process as set forth in this section.

Any such modification must be affirmed by both
parties in writing, exchanged via certified mail,
as being mutually acceptable.

Superseding Effect of this Endorsement:

The terms set forth in this endorsement replace
and supersede any other provisions of this
policy related to appraisal or the appraisal
process.

04M5A0494326
BCP-915 (4.0) Copyright, 2013 Brotherhood Mutual Insurance Company Page 1 of 1 All Rights Reserved
The property coverage provided by this policy is subject to the provisions shown below. The COMMERCIAL PROPERTY COVERAGE CONDITIONS (BCP-100), the PERILS PART, and the BUILDING and the PERSONAL PROPERTY COVERAGE PART (BCP-12) also apply except to the extent modified by the provisions of this endorsement.

THIS INSURANCE ENDORSEMENT FORMS PART OF YOUR POLICY CONTRACT .

PLEASE READ IT CAREFULLY.
-PROPERTY COVERAGE MODIFICATION-

ACTUAL CASH VALUE COVERAGE

RELATING TO ROOF STRUCTURES, INTERIOR OF BUILDINGS

AND PERSONAL PROPERTY

PROVISION MODIFICATION
In the Valuation of Property section within
the Commercial Property Coverage
Conditions of the Building and Personal
Property Coverage Part (BCP-12),
Coverage is amended as follows:

SCOPE OF LIMITATION
The following Coverage Limitation will apply
with respect to any roof structures that are
at least 10 years old and which are attached
to building(s) listed on the property
declarations for which Roof ACV is
indicated to apply.

COVERAGE LIMITATION
The Replacement Cost provisions of this
policy will not apply to roof structures or
building interiors. Any loss to such roof
structures or to building interiors will be
adjusted on an Actual Cash Value basis,
and an appropriate depreciation reduction
will be applied to any loss payment that is
made.

This Coverage Limitation applies only to the
following causes of loss:

1. Windstorm;

2. Hail; and

3. Rain, snow, sleet or ice.

This Coverage Limitation also applies to
damage to personal property resulting from
water entering through openings in roof
structures made by one or more of the
causes of loss (a.-- c.) listed above; or as a
result of the deterioration or wear of any
portion of a building’s roof structures.

DEFINITIONS
For the purpose of this endorsement:

Roof structures means that part of the
building that is supported directly or
indirectly by the exterior walls, rafters or
trusses of that building, including, but not
limited to:

1. Roof coverings, shingles, roofing tiles,
metal or rubberized roofing material or
other weatherproofing material covering
any roof structure;

2. Roof underlayments, decking, stripping,
flashing, and edging;

3. Roof windows, roof doors, and skylights;
and

4. Roof vents and turbines.

OTHER PROVISIONS
All other provisions of the policy remain
unchanged.

04M5A0494326
BN-12V (1.0) Page 1 of 2
Notice Regarding Building Valuation
If a Building Value Estimate is prepared by us, the following applies:

Setting Appropriate Building Limits-
It is important that you give careful consider ation to setting appropriate building values. In the event of a significant covered loss involving a building that is insured under this policy, we will repair or replace the building under the terms of the policy. We pay the lesser of the cost to repair the building or the limit of insurance that has been set on the building*. Accordingly, if it costs less to repair a building than the limit of coverage that has been set on the building, we will pay no more than the cost of repair*. If the cost to repair a building exceeds the limit of coverage that has been set on the building, however, we will pay no more than the limit of coverage that was set. For this reason, the limit that you select when insuring your buildings under this policy is an important component of your overall property coverage.

Purpose of Building Estimates-
When coverage is requested on a building or buildings that you wish to insure, Brotherhood Mutual will generally use an internal process to estimate the value of such building or buildings (Building Value Estimate) based on the information about the building that is submitted to us. This estimation process is applied to buildings so that the company can better compare the insurance value that you have requested against an objective measure of the building value. This estimation process is based upon industry-accepted methods for determining building values. As long as the amount of coverage that you’ve requested on a building appears to be reasonable, our company will insure the building for the amount you’ve requested*.

Building Value Estimates are Estimates Only-
It is important to note that any Building Value Estimate that is generated by our company is done only so that our company can assess the reasonableness of requested building values. Our Building Value Estimate is in no way intended as a formal building valuation or building appraisal. No one should rely on our company’s Building Valuation Estimate as a statement of the actual cost that it will take to replace a building in the event of a total loss.

Although we use a well-designed (industry accepted) estimating system, many factors contribute to the cost of building replacement following a loss, and the company’s internal process to estimate the value of buildings is not designed to capture all such factors. To accurately set the limit of insurance that you request on your building or buildings, it is recommended that you consider conducting your own independent appraisal of the buildings that you intend to insure, as the responsibility for selection of a sufficient limit of insurance on a building rests principally with you*.

Effect of Significant Variances-
If there’s a significant discrepancy between the amount of insurance you’ve requested and the Building Value Estimate, we may request or require that that the building be insured for an amount that differs from the building value that you’ve requested for the building*. In

*NOTE- Policyholders will be more restricted in setting building limits in “Valued Policy States” than in other states. (Valued Policy states are those that require insurers to pay the limit of property insurance when designated total loss events occur, regardless of the actual cost to replace the building).

04M5A0494326
BN-12V (1.0) Page 2 of 2

this situation, if you feel that the amount of insurance on any building is improper, you must promptly notify us of this fact, and submit a professional building appraisal in support of the value for which you’d like to insure the building.

Mid-Term Value Adjustments-
After you have made an initial building value selection when the policy is first issued or when a building is added to the policy, changes in value can occur during the policy period under certain circumstances. If you notify us of changes in the building during the policy period, or if you have purchased inflation protection coverage, or if you or your agent request annual value adjustments, then the value of the buildings on the policy will be adjusted accordingly. These changes in value will be reflected on the property declarations page of the policy and will be effective as indicated on the applicable policy declaration page or change schedule. If you feel that a building value has been incorrectly adjusted, you should promptly notify us so that we can work with you to set an appropriate value.

Important Disclaimer-
In light of the foregoing, the following disclaimer applies to all Building Value Estimates that are generated by our company (this appears on company-generated Building Estimate reports):

This property evaluation has been prepared solely for the benefit and use of Brotherhood Mutual Insurance Company based on physical information that has been provided to the company by others. No warranty of any kind is provided as to the accuracy of the information or results contained in the above evaluation, and the actual cost to repair or replace the property being evaluated may differ substantially from the evaluation results due to a variety of factors. This analysis should be construed neither as an appraisal of the property nor as a statement of the market value of the property. Setting an insurance limit based on the above value estimate will in no way guarantee that the structure will be fully insured in the event of a covered loss. To accurately determine the value of property, a competent independent property appraiser should be retained to provide an appraisal. This evaluation represents a work product of Brotherhood Mutual Insurance Company, and it should not be conveyed to others without the prior consent of Brotherhood Mutual.

Please read your policy carefully

Your Brotherhood Mutual agent will be pleased to address any questions you may have concerning your policy or premium billings.

This Notice form provides no coverage of any kind, and nothing in this form will waive, alter, vary or extend any of the terms of this policy or any coverage provided by the policy.

04M5A0494326
This policy provides no flood/water damage coverage of any kind other than the limited flood/water damage coverage conveyed herein. The applicable water damage limit provided herein represents the most we will pay for all water damage/flood loss, regardless of the amount of actual loss or damage sustained. More expansive flood coverage is available from the federal government, and it's your responsibility to decide whether you wish to protect your property from flood and water damage through this federal government program.

NOTICE: WATER DAMAGE/FLOOD COVERAGE
Your policy does not provide coverage for loss caused by flood, surface water, waves, tidal water, or any other overflow of a body of water, other than limited flood/water damage coverage that may be added to your policy through a Water Damage Coverage Form. Water Damage Coverage Forms are optional and are added to your policy at our request in exchange for an additional premium payment. Depending on which Water Damage Coverage Form option you select, your limit of flood/water damage coverage will be as follows:

No Water Damage Coverage Form: $0 flood/water damage coverage BCP-25: $2,500 flood/water damage limit
BCP-26: $5,000 flood/water damage limit
BCP-27: $10,000 flood/water damage limit
(Note: All coverages listed above may not be available in all states.) The above limit represents the most we will pay for all water damage/flood loss, regardless of the amount of actual loss or damage sustained. This limit will apply to loss involving flood or water damage even if other perils contribute to the loss.

Coverage of the policy is subject to all applicable terms, limits, limitations and exclusions.

You will not have coverage for property damage caused by flood, surface water, waves, tidal water, or any other overflow of a body of water (except that which is provided under the optional Water Damage Coverage Forms) unless you take steps to purchase a separate policy of flood insurance, at an additional premium, from the National Flood Insurance Program, 42 U.S.C.
§ 4001, et seq. Coverage for flood damage to your personal property may also be available from the National Flood Insurance Program for an additional premium. If you would like more information about obtaining flood coverage under a Water Damage Coverage Form or the National Flood Insurance Program, please contact your agent or this company.

No coverage is conveyed through this notice form. If there are any discrepancies between the policy and this notice, the provisions of the policy govern.

PLEASE READ THE TERMS OF YOUR POLICY CAREFULLY.

Page 1 of 1 ends

04M5A0494326
Copyright, American Association of Insurance Services, Inc., 2008 AAIS This endorsement changes
CP 0171 10 08 the policy

Page 1 of 2 ends

EXCLUSION -- WATER DAMAGE

The policy is amended as follows. All other
"terms" of the policy apply, except as amended
by this endorsement.

PERILS EXCLUDED

1. The Fire Perils Part, Basic Perils Part, Broad
Perils Part, and Special Perils Part, when
shown on the "declarations", are amended
as follows:

Exclusion 1.g. is deleted and replaced by
the following:

g. Water --

1) "We" do not cover loss caused by:

a) flood; surface water; waves,
including, but not limited to, tidal
wave and tsunami; tidal water;
tides; overflow of any body of
water; or spray from any of
these; all whether or not driven
by wind. This includes, but is not
limited to, storm surge, storm
tide, and tidal surge;
b) water that backs up through,
overflows from, or is otherwise
discharged from:

(1) a sewer or drain;
(2) a sump, sump pump, or
related equipment; or
(3) any other type of system
designed to remove
subsurface water which is
drained from the foundation
area;

c) water below the surface of the
ground. This includes water that
exerts pressure on or flows,
seeps, or leaks through or into:

(1) basements, whether paved
or not;
(2) doors, windows, or other
openings;
(3) foundations, floors, walls, or
paved surfaces; or
(4) swimming pools, septic
tanks, or other structures; or

d) material present in or carried or
otherwise moved by water
described in items a) through c)
above.

However, if fire, explosion, or
sprinkler leakage (if a covered peril)
results, "we" do cover the resulting
loss.

2) This exclusion:

a) applies regardless of the cause
of the water or the material
carried or moved by water
described under items 1)a)
through 1)d) above, whether or
not such cause is an act of
nature; and
b) applies to, but is not limited to,
water and material present in or
carried or moved by water,
whether or not driven by wind,
that:

(1) overtops;
(2) escapes from;
(3) is released from; or
(4) is otherwise discharged
from;

a dam, levee, dike, floodgate,
seawall, or other device or
feature designed or used to
retain, contain, or control water.

2. When the Earthquake Perils Part is shown
on the "declarations", exclusion 1.f. is
deleted and replaced by the following:

f. Water --

1) "We" do not cover loss caused by:

04M5A0494326
AAIS
CP 0171 10 08

Page 2 of 2 ends

Copyright, American Association of Insurance Services, Inc., 2008 a) flood; surface water; waves,
including, but not limited to, tidal
wave and tsunami; tidal water;
tides; overflow of any body of
water; or spray from any of
these; all whether or not driven
by wind. This includes, but is not
limited to, storm surge, storm
tide, and tidal surge;
b) water that backs up through,
overflows from, or is otherwise
discharged from:

(1) a sewer or drain;
(2) a sump, sump pump, or
related equipment; or
(3) any other type of system
designed to remove
subsurface water which is
drained from the foundation
area;

c) water below the surface of the
ground. This includes water that
exerts pressure on or flows,
seeps, or leaks through or into:

(1) basements, whether paved
or not;
(2) doors, windows, or other
openings;
(3) foundations, floors, walls, or
paved surfaces; or
(4) swimming pools, septic
tanks, or other structures; or

d) material present in or carried or
otherwise moved by water
described in items a) through c)
above.

2) This exclusion:

(1) overtops;
(2) escapes from;
(3) is released from; or
(4) is otherwise discharged
from;

a dam, levee, dike, floodgate,
seawall, or other device or
feature designed or used to
retain, contain, or control water.

CP 0171 10 08

AAIS CP-132
Ed 1.0
CP-132 Ed 1.0 Copyright MXMXCIV, American Association of Insurance Services Page 1 of 2 This endorsement changes the Commercial
Property Coverages provided by this policy
-- PLEASE READ IT CAREFULLY --

LOSS PAYABLE OPTIONS

SCHEDULE
(The information required below may be shown on a separate schedule or supplemental declarations.) Prem.

No.

Bldg.

No.

Description of Property Name and Address
of Loss Payee
Canon IR ADV C550401 Copier KBA Docusys, Inc. c/o Insurance Center PO Box 3886
Bellevue, WA 98009-3886
In addition to the policy terms which are contained in
other sections of the Commercial Property Coverage,
the following conditions apply to the property
described on the schedule and only when indicated
by an “X”:

X LOSS PAYABLE
Any loss shall be adjusted with you and shall be
payable to you and the loss payee shown on the
schedule as your and their interests appear.

LENDER'S LOSS PAYABLE
Any loss shall be payable to you and the loss
payee shown on the schedule as interests appear.

If more than one loss payee is named, they shall
be paid in order of precedence.

The insurance for the loss payee continues in effect
even when your insurance may be void because
of your acts, neglect, or failure to comply with
the coverage terms. The insurance for the loss
payee does not continue in effect if the loss payee
is aware of changes in ownership or substantial
increase in risk and does not notify us.

If we cancel this policy, we notify the loss payee at
least 10 days before the effective date of cancellation if we cancel for your nonpayment of premium, or 30
days before the effective date of cancellation if we
cancel for any other reason.

We may request payment of the premium from the
loss payee, if you fail to pay the premium.

If we pay the loss payee for a loss where your
insurance may be void, the loss payee’s right to
collect that portion of the debt from you then
belongs to us. This does not affect the loss payee’s
right to collect the remainder of the debt from you.

As an alternative, we may pay the loss payee the
remaining principal and accrued interest in return
for a full assignment of the loss payee’s interest
and any instruments given as security for the debt.

If we choose not to renew this policy, we give
written notice to the loss payee at least 10 days
before the expiration date of this policy.

CONTRACT OF SALE
Any loss shall be adjusted with you and shall be
payable to you and the loss payee shown on the
schedule as your and their interests appear.

The loss payee shown on the schedule is a person
or organization you have entered a contract with
for the sale of covered property.

When covered property is the subject of a contract
of sale, the word you also means the loss payee.

AAIS CP-132
Ed 1.0
CP-132 Ed 1.0 Copyright MXMXCIV, American Association of Insurance Services Page 2 of 2

BUILDING GLASS DEDUCTIBLE

Building glass breakage losses, from one occurrence,
shall have a deductible, as indicated in the
Declarations, applied to the glass loss. If losses from the same occurrence for other than breakage of
building glass are paid, the policy deductible will apply to the entire loss.

- PLEASE READ THIS CAREFULLY -

04M5A0494326

EX-0651 X (3.0) Brotherhood Mutual Insurance Company Page 1 of 2 Includes Copyrighted Material of American Association of Insurance Services, Inc., 2002 This endorsement changes
EX-0651 X (3.0) the policy

Page 1 of 2 ends

(PROPERTY)

NUCLEAR, CHEMICAL AND BIOLOGICAL TERRORISM EXCLUSION
- CERTIFIED AND NON-CERTIFIED ACTS OF TERRORISM -

ADDITIONAL EXCLUSION THAT APPLIES TO

ALL PROPERTY COVERAGES

In addition to the other exclusions of the policy,
the following exclusion will apply to all property
coverages of the policy:

1. We will not pay for loss or damage of any
kind arising directly or indirectly out of or in
connection with any act of nuclear,
chemical or biological terrorism . Such
loss or damage is excluded regardless of any
other cause or event that contributes
concurrently or in any sequence to the loss.

CONDITIONS

1. The following provision is added.

a. Neither the terms of this endorsement
nor the terms of any other terrorism
endorsement attached to this policy will
be construed to provide coverage for any
loss that would otherwise be excluded
under any form, endorsement or
provision of this policy, including, but not
limited to:

1) any exclusions that address war,
military action, or biological, chemical
or nuclear hazard; or

2) any other exclusion of the policy.

DEFINITIONS

In addition to the words and phrases defined
elsewhere in this policy, the following definitions
will apply to the provisions of this endorsement:

1. Act of nuclear, chemical or biological
terrorism means either: (1) a
CERTIFIED act
of nuclear, chemical or biological
terrorism; or (2) a
NON-CERTIFIED act of
nuclear, chemical or biological terrorism.

2. CERTIFIED act of nuclear, chemical or
biological terrorism means an act causing
total insured loss that meets or exceeds the
insured loss threshold of any federal
Terrorism Risk Insurance Act, and that is
certified by an authorized individual under the
Act:

a. to be an act of terrorism; and

b. to be a violent act or an act that is
dangerous to human life, property, or
infrastructure; and

c. to have resulted in damage:

1) within the United States; or

2) to an air carrier (as defined in
section 40102 of title 49, United
States Code); to a United States
flag vessel (or a vessel based
principally in the United States,
on which United States income
tax is paid and whose insurance
coverage is subject to regulation
in the United States), regardless
of where the loss occurs; or at
the premises of any United
States mission; and

d. to have been committed by an
individual or individuals as part of an
effort to coerce the civilian population
of the United States or to influence
the policy or affect the conduct of the
United States Government by
coercion; and

e. to involve one or more of the
following:

1) the use, release, dispersal,
application or escape of any
nuclear or radioactive materials
of any kind; or

2) any nuclear reaction or the
release of any radiation, or any
radioactive contamination; or

3) the use, release, dispersal,
application or escape of any
biological or chemical materials

04M5A0494326

EX-0651 X (3.0) Brotherhood Mutual Insurance Company Page 2 of 2 Includes Copyrighted Material of American Association of Insurance Services, Inc., 2002 that have any injurious,
pathogenic or poisonous effect of
any kind; or

4) any contamination of property,
interruption of any business or
ministry operation, or any other
damage, loss or expense arising
directly or indirectly out of the
situations set forth in items 1)
through 3) immediately above.

3. NON-CERTIFIED act of nuclear, chemical
or biological terrorism means a
malicious act that is not certified by
government officials as a qualifying “act
of terrorism” under any federal Terrorism
Risk Insurance law, but only if such act:

a. is violent or is dangerous to human
life, property, or infrastructure; and

b. is undertaken in an effort to coerce
the civilian population of the United
States or to influence the policy or
affect the conduct of the United
States Government by coercion; and

c. involves one or more of the following:

1) the use, release, dispersal,
application or escape of any
nuclear or radioactive materials
of any kind; or

2) any nuclear reaction or the
release of any radiation, or any
radioactive contamination; or

3) the use, release, dispersal,
application or escape of any
biological or chemical materials
that have any injurious,
pathogenic or poisonous effect of
any kind; or

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BGL-951 (4.5) Copyright, 2018 Brotherhood Mutual Insurance Co. Page 1 of 4 All Rights Reserved
This Liability Coverage Endorsement is subject to the terms of the Commercial Liability Coverage Form (GL-100) and the Liability and Medical Coverage Forms (BGL-11). Principal Coverage O within the Commercial Liability Coverage Forms (GL-100) is deleted and replaced by the language of this endorsement. Only one liability coverage (Principal, Supplemental, or Additional will apply to an occurrence and any related loss.

FIRE LEGAL LIABILITY AND OTHER

NONOWNED PROPERTY DAMAGE LIABILITY COVERAGES

-PROPERTY, OR PORTIONS THEREOF, IN THE INSUREDS'
CARE, CUSTODY AND CONTROL –

AGREEMENT

We provide the Principal Coverage and the Additional
Coverage described in this endorsement, but only if
you are a religious, charitable, or not-for-profit
organization.

DEFINITIONS

Each of the words or phrases defined in the Definition
section of the Commercial Liability Coverage Form
(GL-100) and the Liability and Medical Coverage Form
(BGL-11), apply to this endorsement, unless otherwise
modified herein. The following definition applies only to the Nonowned Property Damage Additional Coverage
of this endorsement.

1. Covered person means you; and your leaders,
your employees, your appointed persons and
your volunteers, but only while acting on your
behalf and within the scope of their delegated
authority.

PRINCIPAL COVEAGE O

FIRE LEGAL LIABILITY COVERAGE
[The following supersedes and replaces the Fire Legal
Liability Coverage (Principal Coverage O) of the Commercial Liability Coverage Form (GL-100)]:

We pay (up to the Limit of Coverage set forth in the
How Much We Pay section of this endorsement for
Principal Coverage O) for property damage to
buildings and any portions thereof that you rent from
another, or that are loaned to you, if the property
damage is caused by fire for which you are legally
liable. Buildings include fixtures permanently attached thereto. If you are renting (or are loaned) a section
within a larger structure, then this coverage will apply to property damage to the entire structure, and the
limit for Principal Coverage O

(as set forth in the How Much We Pay section of this
endorsement for Principal Coverage O) will apply to
damage to the entire building, including the portion
within your control.

EXCLUSIONS – COVERAGE O ONLY

All of the exclusions of the Commercial Liability
Coverage form (GL-100) and the Liability and Medical
Coverage Form BGL-11) will apply to this Principal
Coverage O except that, with respect to the Additional
Exclusions That Apply Only to Property Damage set
forth in the Commercial Liability Coverage Form (GL-
100):

1. Exclusion 1 will apply to all property that is owned by, occupied in whole or in part by, or rented in
whole or in part to, you except as specifically
otherwise provided by this Fire Legal Liability
Coverage; and

2. Exclusion 3 is deleted to the extent that coverage
is otherwise specifically provided by this Fire Legal
Liability Coverage.

In addition, the following exclusions will apply to this Principal Coverage O:

We do not cover:

1. liability assumed under any contract or agreement
that seeks to indemnify any person or organization
for damage by fire to any premises; or

2. liability arising out of property damage that:

a. is expected by, directed by or intended by any
insured; or

b. is the result of intentional or malicious acts of
any insured; or

04M5A0494326

c. results from any major construction/
demolition project involving any building that
is loaned or rented (in whole or in part) to you.

This Principal Coverage is provided strictly subject to the limit set forth in the How Much We Pay section of
this endorsement for Principal Coverage O.

ADDITIONAL COVEAGES

NONOWNED PROPERTY DAMAGE

LIABILITY COVERAGE
We pay (up to the Limit of Coverage set forth in the
How Much We Pay section of this endorsement for
Additional Coverages) those sums which a covered
person becomes legally obligated to pay as damages
due to property damage to real or personal property
to which this coverage applies. The damage must be
to property that you do not own, and the event or
events causing the property damage:

a. must arise out of your religious, charitable, or
not-for profit activity; and

b. must be an occurrence taking place in the
coverage territory during the policy period.

This coverage does not apply to property damage
covered under the Additional Incidental Contractual
Liability (Rented or Loaned Property) provided by this
endorsement.

ADDITIONAL INCIDENTAL

CONTRACTUAL LIABILITY COVERAGE
(RENTED OR LOANED PROPERTY)
We cover (up to the Limit of Coverage set forth in the
How Much We Pay section of this endorsement for
Additional Coverages) property damage liability of
another that you assume under a written contract or
written agreement to rent or borrow real or personal
property. The liability assumed must be "tort liability," and the property damage:

a. must arise out of your religious or not-for-
profit operations; and

b. must take place in the basic territory during
the policy period.

"Tort Liability" means legal liability to pay damages
resulting from negligent acts or omissions, but only if such damages would be owed in the absence of any
contract or agreement.

This Additional Coverage does not apply, however, to:

1. liability, other than "tort liability" of another,
that is assumed under a contract or
agreement; or

2. liability assumed after any property damage
has already been sustained; or

3. liability that is assumed prior to, or after, we
provide liability insurance coverage to you; or

4. any contract or agreement relating to any
construction project, if any covered person is
acting as general contractor on the
construction project; or

5. any contract or agreement seeking to
indemnify an architect, engineer or surveyor
for their work or any component thereof; or

6. property damage covered under the
Incidental Contractual Liability Supplemental
Coverage of the GL-100 or any other
Additional Incidental Contractual Liability
Coverage provided by this policy.

All conditions, limitations and exclusions of the policy will apply to this Additional Coverage and to any
person or entity for whom “tort liability” has been
assumed by you.

EXCLUSIONS – ADDITIONAL

COVERAGES ONLY

All exclusions of the Commercial Liability Coverage
Form (GL-100) and the Liability and Medical Coverage
Form (BGL-11) will apply to these Additional
Coverages, except that the Exclusions That Apply
Only to Property Damage in the Commercial Liability
Coverage Form (GL-100) are deleted and replaced by
the following:

1. We do not cover liability assumed under any
contract or agreement that seeks to indemnify any
person or organization for property damage of
any kind, unless:

a. such liability were to exist in the absence of
such contract or agreement; or

b. coverage is provided for such liability under
the Additional Incidental Contractual Liability
(Rented or Loaned Property) provided by this
endorsement.

2. We do not pay for property damage of any kind
that:

04M5A0494326

b. is the result of intentional or malicious acts of
any insured; or

c. occurs in connection with any major
construction/ demolition project involving
any building that is loaned or rented (in whole
or in part) to you; or

d. arises directly or indirectly out of or in
connection with the ownership, operation,
occupancy, renting, loaning, supervision,
maintenance, use, entrusting, control, loading
or unloading of any auto, aircraft, or
watercraft of any kind.

2. We do not pay for property damage of any kind if:

a. the damaged property is not in the direct care,
custody and control of you; or your
authorized leader, employee, or appointed
person; or

b. the damaged property is owned by you; or by
your employee; or

c. the damage is caused in any manner by the
owner of the property; or

d. the damage: (1) is to real property that you
lease, rent, borrow or occupy in whole or in
part; and (2) is caused directly or indirectly by
fire, unless the Additional Incidental
Contractual Liability Coverage (Rented or
Loaned Property) provided by this
endorsement applies to such damage.

These Additional Coverages are provided strictly
subject to the Limits and Sub-limits set forth in the
How Much We Pay section of this endorsement, and
the coverage herein does not apply to any property
that is not within your care, custody and control.

HOW MUCH WE PAY

Each of the provisions set forth in the How Much We
Pay section of the Liability and Medical Coverage
Form (BGL-11) apply to both the Principal Coverage
and the Additional Coverage provided by this
endorsement, unless otherwise modified herein. The
following provisions will also apply:

1. Limit of Coverage (Principal Coverage O)
Subject to the General Occurrence Limit and the
General Aggregate Limit, our limit for property
damage covered under Coverage O is $300,000
unless:

a. a different amount is shown in the
Declarations for Principal Coverage O,
in which case the amount shown on the
Declarations will apply; or

b. the General Occurrence Limit shown in
the Declarations is less than $300,000,
in which case the limit for Principal
Coverage O will be equal to the General
Occurrence Limit.

This Coverage Limit will apply for each
occurrence (and any related loss) to which
Principal Coverage O above applies. Any
payment made under Principal Coverage O of this
endorsement for damage to or destruction of
property will be based on the actual cash value of
the property that is damaged or destroyed.

2. Limit of Coverage (Additional Coverages)
Subject to the General Occurrence Limit and the
General Aggregate Limit, and the Personal
Property Sublimit below, our limit for property
damage covered under the Additional Coverages
of this Endorsement is $300,000 unless:

a. a different amount is shown in the
Declarations for Nonowned Property
Damage, in which case the amount
shown on the Declarations will apply; or

b. the General Occurrence Limit shown in
the Declarations is less than $300,000, in
which case the limit for Principal
Coverage O will be equal to the General
Occurrence Limit.

This Coverage Limit represents the most we will
pay for damage to all property (both real and
personal) to which the Additional Coverages of
this endorsement apply, for each occurrence and
any related loss. Any payment made under the
Additional Coverage of this endorsement for
damage to or destruction of real or personal
property will be based on the actual cash value of
the property that is damaged or destroyed.

3. Personal Property Sub-limit
The limit of coverage for any personal property in
your care, custody and control to which the
Additional Coverages of this endorsement apply
will, in all cases, be equal to 10% of the Limit of
Coverage (Additional Coverages) set forth above.
(This sub-limit will be $30,000, unless a Limit of
Coverage other than $300,000 applies). The Limit
of Coverage (Additional Coverages) indicated
above for the Additional Coverages of this

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BGL-951 (4.5) Copyright, 2018 Brotherhood Mutual Insurance Co. Page 4 of 4 All Rights Reserved
endorsement represents the most we will pay for
all damage to covered property for each
occurrence and any related loss.

4. Personal Property Deductible
Coverage for personal property under the
Additional Coverages of this endorsement will be
subject to a $500 deductible. This means that we
will pay to repair or replace personal property
covered herein only after you, or the property
owner, or any covered person, has paid $500
toward such repair or replacement. If the property
can be repaired or replaced (on an actual cash
value basis) for less than this deductible amount,
then no payment will be made by us under the
Additional Coverage of this endorsement.

5 . Other Insurance
Any liability coverage provided by either the
Principal or Additional Coverages of this
endorsement to any insured or to any covered
person will be excess over all other property
insurance policies, liability insurance policies or
liability coverage plans, even if such insurance
policies or plans:

a. are stated to be secondary, excess or
contingent; or

b. have coverage available, but is not elected to
be used.

CONDITIONS

Each of the conditions set forth in the Conditions
section of the Commercial Liability Coverage Form
(GL-100) and the Liability and Medical Coverage Form
(BGL-11) apply to the Principal Coverage and the
Additional Coverages provided by this endorsement,
unless otherwise modified herein. The following
condition also applies to the Principal Coverage and
the Additional Coverage of this endorsement.

1. Other Coverage
a. If both a coverage of this endorsement and a
Damage to Property of Others coverage of
this policy would otherwise apply to the same
occurrence, then only the coverage of this
endorsement will apply to any resulting
property damage.

b. If both a coverage of this endorsement and
any other property coverage of this policy
would otherwise apply to the same
occurrence, then only the coverage of this
endorsement will apply to any resulting
property damage.

c. No coverage is provided by Additional
Coverages of this endorsement for any
property damage covered by Principal
Coverage O (Fire Legal Liability); and No
coverage is provided by Principal Coverage O
for any property damage covered by the
Additional Coverage of this endorsement.

d. No coverage is provided by this endorsement
for any property damage otherwise covered
under this policy by any Incidental Contractual
Liability coverage of any kind.

OTHER PROVISIONS

Each of the other provisions of the Commercial
Liability Coverage Form (GL-100) and the Liability and
Medical Coverage Form (BGL-11), apply to both the
Principal Coverage and the Additional Coverages of
this endorsement, unless otherwise modified herein.

04M5A0494326
BGL-113 (4.0) Copyright, 2013 Brotherhood Mutual Insurance Co. Page 1 of 3 All Rights Reserved
This Liability Coverage Endorsement is subject to the terms of the applicable Commercial Liability Coverage Form (GL-100) and the Liability and Medical Coverage Form (BGL-11). Only one liability coverage will apply to an occurrence and any related loss. This endorsement is attached to and made part of the policy.

THIS INSURANCE ENDORSEMENT FORMS PART OF YOUR POLICY CONTRACT.

PLEASE READ IT CAREFULLY.

MINISTRY OPERATIONS

CEMETERY/COLUMBARIUM

LIABILITY COVERAGE
~FOR MINISTRY ORGANIZATIONS THAT HAVE
CEMETERY AND/OR COLUMBARIUM OPERATIONS~

AGREEMENT
We provide the Additional Coverages described in
this endorsement, but only if Cemetery Liability
coverage is properly designated in the declarations
of this policy, and only if you are a religious or not- for-profit organization that owns or operates a
cemetery.

DEFINITIONS
Each of the words or phrases defined in the
Definition section of the Commercial Liability
Coverage Form (GL-100) and the Liability and
Medical Coverage Form (BGL-11), apply to this
endorsement, unless otherwise modified herein. The
following definitions apply only to the Additional
Coverages of this endorsement.

1. Covered person means you; and your leaders
and your employees, but only while acting on
your behalf, for your benefit, and within the
scope of their delegated authority.

ADDITIONAL COVERAGES
Subject to the applicable terms of coverage, we
provide insurance for the following Additional
Coverages.

For purposes of the Additional Coverages set forth
herein, covered person
means you; and your
leaders and your employees, but only while acting
on your behalf, for your benefit, and within the scope
of their delegated authority. The above-named
covered persons will be considered insureds for
the Additional Coverages provided herein.

CEMETERY/COLUMBARIUM OPERATIONS

EMOTIONAL INJURY

LIABILITY COVERAGE
We pay all sums which a covered person becomes
legally obligated to pay as damages due to
emotional injury to which this coverage applies.

The event or events causing the emotional injury:
a. must arise out of your organization's
cemetery and/or columbarium operations;
and
b. must be an occurrence taking place in the
coverage territory during the policy period.

This Emotional Injury Coverage does not apply,
however, if the emotional injury arises out of any
discriminatory act, sexual act, or counseling act.

CEMETERY/COLUMBARIUM OPERATIONS

EMOTIONAL INJURY/

BURIAL DISCRIMINATION

LIABILITY COVERAGE
We pay all sums which a covered person becomes
legally obligated to pay as damages due to
emotional injury to which this coverage applies.

The event or events causing the emotional injury:
a. must constitute a discriminatory act directly
related to the burial of an individual at a
cemetery or columbarium that you own or
operate; and
b. must take place in the coverage territory
and during the policy period.

This Emotional Injury Coverage does not apply,
however, if the emotional injury arises out of any
discrimination based on race, national origin or
physical handicap; or arises out of any sexual act or
counseling act.

CEMETERY/COLUMBARIUM OPERATIONS

FINANCIAL LOSS

TO OTHERS COVERAGE
We will pay up to $3,500 per person for individuals
who sustain actual financial damage arising out of
your organization's cemetery operations. The event
or events causing the financial damage:
a. must arise out of an act of God or
governmental action affecting your
organization's cemetery and/or columbarium
operations; and
b. must take place in the coverage territory
and during the policy period.

This Financial Loss To Others Coverage will not
apply, however, to financial damage caused or
sustained by any covered person . We will pay no
more than $35,000 under this Additional Coverage
for financial damage arising out of a single act of
God or governmental action. This Additional
Coverage does not apply to property damage of any
kind, nor with respect to any financial damage for
which governmental reimbursement or other
compensation is paid.

CEMETERY/COLUMBARIUM OPERATIONS

DAMAGE TO PROPERTY

OF OTHERS COVERAGE
We will pay up to $2,500 for damage to property of
others, including headstones, grave markers,
columbaria, urns or similar grave-related property,
regardless of your liability but only if:
a. the property is damaged, lost or destroyed
while in your care, custody or control; and
b. your organization is directly responsible for
the maintenance and protection of such
property.

We may, at our option, pay for the damaged
property, or repair or replace the property with
property of equivalent kind and quality.

This Additional Coverage does not apply, however, if:

1. the property damage arises out of for-profit
funeral, burial or cemetery services;

2. the property damage does not occur in the
coverage territory and during the policy
period;

3. the damaged property is owned by you or is
rented or leased to you or to any covered
person on your behalf;

4. the property is intentionally damaged by any
covered person;

5. the damage is caused in any manner by the
owner of the property;

6. the damaged property is covered under any
other property coverage of this policy; or

7. the property damage arises out of the
ownership, operation, maintenance, use,
loading or unloading of a motorized
vehicle, other than a vehicle used exclusively
in the maintenance of your premises.

This Additional Coverage is strictly excess over any
policy, program or plan covering such loss, but may
be applied toward the deductible of such policy,
program or plan.

04M5A0494326
BGL-113 (4.0) Copyright, 2013 Brotherhood Mutual Insurance Co. Page 3 of 3 All Rights Reserved
With respect to your cemetery/columbarium
operations only, this Additional Coverage will replace
and supersede any other Damage to Property of
Others coverage that may be provided by this policy
(for property in your care, custody or control). We
will pay no more than $50,000 under this Additional
Coverage for damage arising out of a single act,
incident, or related acts, and any related loss. This
Additional Coverage does not apply to financial
damage of any kind.

EXCLUSIONS
Each of the exclusions set forth in the Exclusions
section of the Commercial Liability Coverage Form
(GL-100) and the Liability and Medical Coverage
Form (BGL-11) apply to the Additional Coverages
provided by this endorsement, unless otherwise
modified herein.

1. Exclusions 3 and 6 of the Exclusions That Apply
To Bodily Injury and Property Damage section of
the Commercial Liability Coverage Form (GL-
100) are deleted to the extent that coverage is
otherwise provided herein.

2. Exclusions 16 and 18 of the Additional
Exclusions That Apply To All Coverages section
of the Liability and Medical Coverage Form
(BGL-11) are deleted to the extent that coverage
is otherwise provided herein.

3. We do not pay for loss of any kind sustained by
you, or by any of your leaders, employees or job
applicants.

4. We do not pay for loss of any kind arising
directly or indirectly out of or in connection with
the preparation of any body for burial or
cremation by any person or entity.

5. We do not pay for loss of any kind arising
directly or indirectly out of or in connection with
any religious communication occurring in
connection with any funeral or memorial service.

6. We do not pay for loss of any kind arising
directly or indirectly out of or in connection with
the actual, threatened, or alleged touching of, or
use of physical force against, one or more
persons by another.

7. We do not pay for emotional injury of any kind
arising directly or indirectly out of or in connection
with any libel, slander, invasion of privacy,
copyright infringement or other personal injury.

8. We do not pay for fines or noncompensatory
penalties, or for any exemplary or punitive
damages of any kind.

9. The Additional Coverages of this endorsement
do not apply to:
a. liability of others assumed by any covered
person or insured under any contract or
agreement; or
b. any obligation on the part of any covered
person to place money into any cemetery
maintenance fund or similar fund.

HOW MUCH WE PAY
Each of the provisions set forth in the How Much We
Pay section of the Liability and Medical Coverage
Form (BGL-11) apply to the Additional Coverages
provided by this endorsement, unless otherwise
modified herein. The following modifications apply to
the specified Additional Coverages of this
endorsement:

1. We will pay no more than $3,500 per person, and
no more than $35,000 per covered act, under the
Financial Loss To Others coverage of this
endorsement.

2. We will pay no more than $2,500 per headstone
or other covered property, and no more than
$50,000 per loss-causing event, under the
Damage to Property of Others coverage of this
endorsement. This coverage is excess to any
other policy, program or plan covering such loss.

OTHER PROVISIONS
All other provisions of the Commercial Liability
Coverage Form (GL-100) and the Liability and
Medical Coverage Form (BGL-11), apply to this
endorsement, unless otherwise modified herein.

04M5A0494326

AGREEMENT

DEFINITIONS

EXCLUSIONS
This Medical Coverage Endorsement is subject to the terms of the Commercial Liability Coverage Form (GL-100) and the Liability and Medical Coverage Form (BGL-11). Only one medical coverage (Principal, Supplemental, or Additional) will apply to an accident and any related loss - PLEASE READ THIS CAREFULLY -

BROADENED MEDICAL COVERAGE EXTENSION
- CLERGY ACCIDENTAL DEATH -
- 24 HOUR COVERAGE -
We provide the Coverage Extension described in this
endorsement, but only if this endorsement (BGL-998) is
properly designated in the Declarations of this policy, and only if you are a religious organization.

Each of the words or phrases defined in the Definition
section of the Commercial Liability Coverage Form (GL-
100) and the Liability and Medical Coverage Form (BGL-
11), applies of the Coverage Extensions provided by this endorsement, unless otherwise modified herein. The
following definitions apply only to the Coverage
Extension of this endorsement.

1. Death payment amount means only the
amount entered above as the CLERGY DEATH
PAYMENT AMOUNT.

2. Per accident limit means only the amount
entered above as the PER ACCIDENT LIMIT.

3. Designated payee means the person or entity
designated by your governing board as payee of
the death benefit of this endorsement.

4. Full time means working directly for your
organization for at least 36 hours on average per
week.

5. Pastor or minister means a person who is
ordained or licensed as a pastor and who holds
a full-time position of pastor or minister within a
religious organization.

6. Your clergy means a pastor or minister who is
employed directly by you and who is paid by
you as a full-time employee to serve in the
position of pastor or minister, including a full-
time assistant or associate pastor or minister.

CLERGY ACCIDENTAL DEATH BENEFIT -
We will pay, under Principal Coverage M and subject to
the per accident limit , the amount of the death
payment amount stated above to the designated
payee if your clergy dies as the result of a physical
injury caused by an accident. Both the physical injury and resulting death must occur during the policy period.

This extension will apply whether or not your clergy is in the course and scope of employment at the time that the physical injury is sustained, and will be paid in addition to any life insurance or other benefit that may be paid in the event of death.

The Coverage Extension will also apply to sudden and
accidental impairment in the functioning of a person’s
heart or lungs as set forth in the How Much We Pay
section of this endorsement, strictly subject to each of the exclusions and other provisions of this endorsement.

Each of the exclusions set forth in the Exclusions section o f t h e C o m me r c i a l L i a b i l i ty C o v e ra g e F o r m ( G L - 100) and the Liability and Medical Coverage Form (BGL-
11) applies to the Coverage Extension provided by this
endorsement, unless otherwise modified herein. The

COVERAGE EXTENSION
CLERGY DEATH PAYMENT AMOUNT: $25,000 PER ACCIDENT LIMIT: $150,000

HOW MUCH WE PAY
following modifications and exclusions apply only to the Coverage Extension of this endorsement.

1. Exclusion 8 a. of the Exclusions that Apply to Bodily Injury and Property Damage section of the
Commercial Liability Coverage form (GL-100) is
modified to the extent that coverage is otherwise
provided herein, but only with respect to the death
payment amount of this Coverage Extension.

2. Exclusion 20 of the Additional Exclusions that Apply to All Coverages section of the Liability and Medical
Coverage Form (BGL-11) is modified to the extent
that coverage is otherwise provided herein, but only
with respect to payment of the death payment
amount of this Coverage Extension.

3. This Coverage Extension does not apply to death
resulting from illness, infection, or disease, or from
any other cause other than as the direct result of
physical injury to the body, or impairment of body
function, caused directly by an accident, or by
unusual physical exertion.

4. This Coverage Extension does not apply to death
resulting from any pre-existing health condition that
causes or contributes to a person’s death.

5. This Coverage Extension does not apply to death
occurring during the course of, in connection with, or
as a result of any surgical procedure, unless: (a.)
death occurs during the course of an emergency
surgical procedure; and (b.) such procedure was
undertaken to repair traumatic damage to the body
caused through impact by or with an external object,
surface, or body.

6. This Coverage Extension does not apply to death of
your clergy that:
a. results from any intentionally self-inflicted injury of any kind;
b. occurs during the course of, or in connection
with, any criminal act of any kind committed by
such clergy; or
c. is intentionally caused by any designated
payee.

7. This Coverage Extension does not apply to the death
of any of your employees who are not pastors or
ministers or to any other person who is not your
clergy. Nor does it apply to any pastor or minister
who is not employed by you, or who does not report
directly to you or your leaders.

Each of the conditions set forth in the Conditions section of the Commercial Liability Coverage Form (GL-100)
and the Liability and Medical Coverage Form (BGL-11)
applies to the Coverage Extension provided by this
endorsement, unless otherwise modified herein. The
following conditions apply to the Coverage Extension of this endorsement.

1. Proof of Loss – Upon request we must be
provided with a death certificate or other
acceptable documentation which describes the
time of death and the cause thereof.

2. Designated Payee - You must submit to us in
writing the name and address of the designated
payee to whom the amount owed under this
Coverage Extension is to be paid. The payee
designation must be signed on behalf of your
governing board by an officer of the governing
board.

3. Time of Death – Unless otherwise restricted in
the How Much We Pay section of this
endorsement, coverage will apply as long as
death occurs as a direct result of a covered
physical injury, but there can be no intervening
injury, illness or condition contributing to the
death.

Each of the provisions set forth in the How Much We Pay section of the Liability and Medical Coverage Form (BGL- 11) apply to the Coverage Extension of this
endorsement, unless otherwise modified herein. The
following provisions apply to the Coverage Extension of this endorsement.

1. Extension Limit – We will pay no more than the
stated death payment amount for each member of
your clergy
to which the Coverage Extension herein
applies.

2. Per Accident Limit –T h e per accident limit is the most that we will pay in connection with any one
accident. Accordingly, we will pay no more than the
stated per accident limit if the total death payment
amount otherwise payable would exceed the per
accident limit in connection with the death of
multiple pastors or ministers: (a.) who are covered
under the terms of this endorsement; and (b.) who
die as the result of or in connection with the same
accident.

If the total amount of all death payment amounts
otherwise payable in connection with a single

CONDITIONS

OTHER PROVISIONS
accident would exceed the per accident limit, then
the amount of the per accident limit will be divided
equally among each of the designated payees who
are entitled to payment of a death payment amount
under the terms of this endorsement.

3. Heart and Lung Injuries –Strictly subject to all
exclusions of this endorsement, the Coverage
Extension herein will apply to death resulting from
sudden and accidental impairment in the functioning
of the person’s heart or lungs. This includes death
caused by suffocation, drowning and sudden
cessation of heart function.

With respect to sudden cessation of heart function,
coverage will apply only if:
a. the person’s heart suddenly stops beating as
the result of a traumatic impact to the body,
an electrical shock, or a heart attack caused
by unusual physical exertion; and
b. if, in addition, death occurs within 30 minutes
of the time that such impact, electrical shock,
or physical exertion ceases.

4. Designation of Payee – We will pay the death
payment amount of the Coverage Extension herein
only to the person or entity who is designated as the
designated payee by your governing board. The
payee can be a surviving spouse or relative, your
organization, or any other person or entity that your
governing board designates as the payee.

We will not be responsible in any manner with respect to your determination of the payee under the terms of this endorsement. All liability and medical exclusions of the policy will continue to apply to your clergy for any loss not covered by this endorsement. Nothing in this
endorsement will act to increase any limits of coverage, or to in any way modify any terms of the policy other
than the terms specified herein.

Each of the other provisions of the Commercial Liability Coverage Form (GL-100) and the Liability and Medical
Coverage Form (BGL-11), apply to the Coverage
Extension of this endorsement, unless otherwise
modified herein.

LIMITATION

04M5A0494326
BGL-63 (4.1) Copyright, 2016 Brotherhood Mutual Insurance Co. Page 1 of 5 All Rights Reserved
This Liability Coverage Endorsement is subject to the terms of the applicable Commercial Liability Coverage Form (GL-100) and the Liability and Medical Coverage Form (BGL-11). Only one liability coverage will apply to an occurrence and any related loss. This endorsement is attached to and made part of the policy.

T
HIS INSURANCE ENDORSEMENT FORMS PART OF YOUR POLICY CONTRACT .

PLEASE READ IT CAREFULLY.

MINISTRY OPERATIONS

BROAD FORM

MINISTRY COUNSELING LIABILITY COVERAGE
~FOR COUNSELING ACTIVITY OF PASTORS, LAY CONSELORS,
EMPLOYED STAFF AND MINISTRY VOLUNTEERS~

AGREEMENT
We provide the Additional Coverages described in
this endorsement, but only if Counseling Acts
coverage is properly designated in the declarations
of this policy, and only if you are a church or other
religious organization.

DEFINITIONS
Each of the words or phrases defined in the Definition
section of the Commercial Liability Coverage Form
(GL-100) and the Liability and Medical Coverage
Form (BGL-11), apply to this endorsement, unless
otherwise modified herein. The following definitions
apply only to the Additional Coverages of this
endorsement.

1. Counselee means a person who is counseled by
your pastoral counselor , your trained lay
counselor, your leader , your employee, your
appointed person or your volunteer.

2. Covered person means you; and your leaders,
your pastoral counselors , your trained lay
counselors, your employees, your appointed
persons, and your volunteers , but only while
acting on your behalf, for your benefit, and
within the scope of their delegated authority.

3. Incidental financial counseling activity means
providing general advice from a spiritual or
religious perspective to individuals or groups
regarding personal financial planning or general
financial matters. Incidental financial
counseling activity does not include the
endorsement of, or any recommendation to use
or not to use: (1) any specific investment option
(including, but not limited to, specific stocks,
bonds, mutual funds, real estate or other
investment options); or (2) any specific
investment broker, agent, dealer or advisor.

4. Outside counseling provider means an
individual, partnership, or organization (other
than your organization), that provides full-time
counseling to members of the public.

5. Pastoral counselor means your appointed
person or your employee who:
a. holds the position of pastor or minister within
your organization; and
b. is generally authorized by you or your
leaders to engage in counseling acts on
behalf of your organization.

6. For the purpose of this endorsement, personal
injury includes personal injury that arises out of
a counseling act.

7. Professional counseling activity
means the
rendering of advice to another person in
exchange for the payment of a "professional
service fee." "Professional service fee" means a
predetermined charge for counseling, other than
to cover the cost of materials provided to the
counselee.

8. School counseling activity means the
rendering of advice to any student enrolled in

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Alameda City CouncilOctober 6, 2026

Alameda City Council
October 6, 2026