WARNING - ohrc.org · 80-02-9020 (Ed. 4-94) Premium Bill 1 last page Form Page JANUARY 1, 2020 TO...

Form 99-10-0822 (Ed. 1-06)

Fraud Warning � Oklahoma

to injure, defraud or deceive any

Oklahoma Important Notice � Fraud Warning

following statement is added

with intentany

Important Notice To Policyholder

false, incomplete or misleadingany

WARNING

is guilty of aan insurance policy, containing

insurer, makes

information,

:

knowingly, and

to the policy:

last page

claim for the proceeds offelony.

Any person who

Important Notice

The

1Premium Bill 80-02-9020 (Ed. 4-94)

last page

Form Page

JANUARY 1, 2020 TO JANUARY 1, 2021

JANUARY 1, 2020

3605-43-62 LIO

TULSA COUNTY PUBLIC FACILITIES AUTHORITY

FEDERAL INSURANCE COMPANY

JANUARY 6, 2020

Customarq Classic Insurance Program Customarq Series

Name of Company

Effective Date

Policy Period

Policy Number

Premium Bill

Date Issued

Insured

$ 0.00 Portion of total premium attributable for terrorism and statutory standard fire where applicableis

PLEASE SEND PAYMENT TO AGENT OR BROKER.

JANUARY 1, 2020 $ 115,463.16 $ 37,879.76FEBRUARY 1, 2020 $ 37,879.76 $ 37,879.76

MARCH 1, 2020 APRIL 1, 2020

$ 37,879.76MAY 1, 2020 $ 37,879.76JUNE 1, 2020

JULY 1, 2020 $ 37,879.76AUGUST 1, 2020 $ 37,879.76

$ 37,879.76SEPTEMBER 1, 2020 OCTOBER 1, 2020 $ 37,879.76

Date Payment Due Premium

$ 456,381.00TOTALWHEN SENDING PAYMENT, PLEASE INDICATE POLICY NUMBER ON YOUR CHECK.

NOTE: PLEASE RETURN THIS BILL WITH PAYMENT AND INCLUDE ANY ADDITIONAL CHANGES.

HUB INTL MIDWEST LTD DBA HUB INTL MID-AMERICA 6100 S YALE STE 1900 TULSA, OK 74136-6257

Producer:

Form 99-10-0732 (Rev. 1-15) Important Notice

that

manner in which your

.

with

IMPORTANT NOTICE TO POLICYHOLDERS

scope of your insurance

TERRORISM RISK INSURANCE ACT

previously provided to you for further

pro rata allocation in accordance with procedures established by the Secretary of the Treasury.

If aggregate insured losses attributable to terrorist acts certified under the Terrorism Risk InsuranceAct exceed $100 billion in a calendar year, the Treasury shall not make any payment for any portion

Act exceed $100 billion in a calendar year and we have met our insurer deductible under theTerrorism Risk Insurance Act, we shall not be liable for the payment of any portion of the amount of

If aggregate insured losses attributable to terrorist acts certified under the Terrorism Risk Insurance

of the amount of such losses that exceeds $100 billion.

such losses that exceeds $100 billion, and in such case insured losses up to that amount are subject to

certain acts of terrorism (as defined in the Terrorism Risk Insurance Act) would be partiallyNotice to Policyholders indicating that the insurance provided in your policy for losses caused by

reimbursed by the United States of America, pursuant to the formula set forth in the Terrorism Risk

At the time you received the written offer for this policy, we provided you with an Important

Page 1

requirements

the

t

if your policy

to that Important Notice and

Insurance Act. In addition, as required by the Terrorism Risk Insurance Act, we:

about your

If:

Important Notice refers

policy and

policy

your policy to further

decision and

of

review your

back

the terms of your policy establishPlease

prohibited

Terrorism Risk Insurance Act.

Notice

provides information

Please

is a workers compensation policy, rejection of insurance for terrorism is legally

protection.remember

being provided

Important

subsequently modified.

last page

This

Important Notice is

that onlythe

has been

satisfy the disclosure

details.

note

he

:

the

This

insurance is legally prohibited

�

provided pursuant to that standard fire policy. Rejection of such statutory

�

Terrorism Risk Insurance Act, includes an amount attributable to the insurance

�

provides commercial property insurance in a jurisdiction that has a statutory

�

except to the extent prohibited by law, gave you the opportunity to reject such insurance and

�

have a terrorism exclusion, sublimit or other limitation included in your policy.

�

You rejected terrorism insurance under the Terrorism Risk Insurance Act, your policy

�

You did not reject terrorism insurance under the Terrorism Risk Insurance Act, the premium

carefully

.

to terrorism insurance under the Terrorism Risk Insurance Act.

standard fire policy, the premium we charge for terrorism insurance under the

limitation on terrorism insurance, it has been modified so that such limitation does not apply Terrorism Risk Insurance Act, is shown in your policy. To the extent your policy includes a charged for your policy, including that portion applicable to terrorism insurance under the

includes the appropriate amendatory endorsement(s).

specified the premium we would charge, if any, for providing such insurance; and

provide insurance for other types of losses; indicated that we would make available insurance for such losses in the same manner as we

Please

IMPORTANT NOTICE TO POLICYHOLDERS

last page

Form 99-10-0792 (Ed. 9-04) Important Notice Page 1

This Important Notice is not your policy. Please read your policy carefully to determineyour rights, duties, and what is and what is not covered. Only the provisions of yourpolicy determine the scope of your insurance protection.

THIS IMPORTANT NOTICE PROVIDES INFORMATION CONCERNING POSSIBLEIMPACT ON YOUR INSURANCE COVERAGE DUE TO COMPLIANCE WITHAPPLICABLE TRADE SANCTION LAWS.

PLEASE READ THIS NOTICE CAREFULLY.

Various trade or economic sanctions and other laws or regulations prohibit us from providinginsurance in certain circumstances. For example, the United States Treasury Department�s Officeof Foreign Asset Control (OFAC) administers and enforces economic and trade sanctions andplaces restrictions on transactions with foreign agents, front organizations, terrorists, terroristsorganizations, and narcotic traffickers. OFAC acts pursuant to Executive Orders of the Presidentof the United States and specific legislation, to impose controls on transactions and freeze foreignassets under United States jurisdiction. (To learn more about OFAC, please refer to the UnitedStates Treasury�s web site at http://www.treas.gov/ofac.)

To the extent that you or any other insured, or any person or entity claiming the benefits of thisinsurance has violated any applicable sanction laws, this insurance will not apply.

We have added a condition or section that applies to the entire policy called Compliance WithApplicable Trade Sanctions, which stipulates that your insurance policy does not apply to theextent that trade or economic sanctions or other laws or regulations prohibit us from providinginsurance.

Form 99-10-0872 (Ed. 6-07) Policyholder Notice

NOTICE

last page

producers on US insurance transactions is available under the Producer Compensation link located (�producers�). Detailed information regarding the types of compensation paid by Chubb to

All of the members of the Chubb Group of Insurance companies doing business in the United States (hereinafter �Chubb�) distribute their products through licensed insurance brokers and agents

at the bottom of the page at www.chubb.com, or by calling 1-866-588-9478. Additional information may be available from your producer.

Page 1

POLICYHOLDER

Thank you for choosing Chubb.

Customarq Series

Customarq Classic Insurance Program

FOR


Producer:

HUB INTL MIDWEST LTD DBA HUB INTL MID-AMERICA6100 S YALE STE 1900TULSA, OK 74136-0000

Chubb Servicing Office:

TULSATWO WARREN PLACE6120 SOUTH YALE, SUITE 450TULSA, OK 74136-4222

Form 80-02-9000 (Ed. 4-94) Page 1 of 1

Customarq Series Customarq Classic Insurance Program

How To Report A Loss

To report a Loss, use the following procedure.

Loss Notification If an Insured Person has a Loss, please contact us by telephone as soon as possible for furtherassistance:

Telephone Number: 1-800-252-4670

24 hours a day, 7 days a week

Fax NumberYou may also fax the loss report during normal business hours to:

Fax Number: 1-800-300-2538

Mailing AddressYou may mail your loss report to the following address:

Chubb Group Of Insurance CompaniesClaim Service Center600 Independence ParkwayP.O. Box 4700Chesapeake, Va. 23327-4700

Form 80-02-9001 (Ed. 6-98) How To Report A Loss Page 1 of 1

EEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEE

* Note: Each contract within a section has its own Table Of Contents to facilitate your use of them.

Customarq SeriesCustomarq Classic Insurance Program

Table Of Contents

This Table Of Contents is provided to acquaint you with the overall organization of this policy.

POLICY ORGANIZATION

Insuring Agreement

Premium Summary

Property Insurance Section

Property Schedule Of Forms & Declarations

Property Contracts *

Property Endorsements

Common Policy Section

Common Policy Conditions

Common Policy Endorsements

last page

Form 80-02-9100 (Ed. 4-94) Table Of Contents Page 1


Important Notice

Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes anyclaims for the proceeds of an insurance policy containing any false, incomplete or misleadinginformation is guilty of a felony.

Oklahoma Mandatory last pageForm 80-10-9105 (Ed. 4-94) Important Notice Page 1

UVWX

80-02-9800 (Rev. 12-08) Insuring Agreement

Authorized Representative

Page 1 of 1

3605-43-62 LIO TULSA COUNTY PUBLIC FACILITIES AUTHORITY4145 EAST 21ST STREET JANUARY 1, 2020 TULSA, OK 74114


0030962-99999INDIANA


JANUARY 1, 2021 JANUARY 1, 2020

Company and Policy Period

terminates, effective with the inception of this any issued to you by us.

the company

with the Premium

has caused this to

This Insuring Agreement together

issuing this policy

Summary, Schedule D

policy shall not be valid unless also signed by a duly authorized representative of the company. authorized officers,

Your acceptance of this policy

To:

This policy is issued for the period 12:01 AM standard time at the Named Insured's mailing address shown above:

Insurance is issued by the company in consideration of payment of the required premium.

by its

policy of

From:

Whereof, this

Producer

Producer No.

Named Insured and Mailing Address

and Common Policy Conditions comprise this policy.

policy

Forms, eclarat Contracts, Endorsements

In Witness

Insuring AgreementChubb Group of Insurance Companies202B Hall's Mill Road

the same number

Effective Date

prior

but

Issued by the stock insurance companyindicated below, herein called the company.

Policy Number

ions,

Whitehouse Station, NJ 08889

Incorporated under the laws of

Of

policy,

be signed

PresidentSecretary

JANUARY 6, 2020 continued

180-02-9009 (Rev. 10-05)F rmo Premium

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Issue Da

Su Page




0030962-99999INDIANA



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PROPERTY INSURANCE SECTION $ 456,381

JANUARY 6, 2020 last page

280-02-9009 (Rev. 10-05)F rmo Premium

te:

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Issue Da

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Premium Summary (continued)

$ 456,381TOTAL

Coverage Premium

If ATD coverage is provided on this policy, additional certificate and handling fees may be imposed during the policy term.

mandated by State and/or local jurisdictional authorities.Additional certificate and handling fees may be imposed as respects to certification of pressure equipment as

JANUARY 1, 2020 $ 115,463.16FEBRUARY 1, 2020 $ 37,879.76MARCH 1, 2020 $ 37,879.76APRIL 1, 2020 $ 37,879.76MAY 1, 2020 $ 37,879.76JUNE 1, 2020 $ 37,879.76JULY 1, 2020 $ 37,879.76AUGUST 1, 2020 $ 37,879.76SEPTEMBER 1, 2020 $ 37,879.76OCTOBER 1, 2020 $ 37,879.76

Payment PlanThis policy premium is being billed as follows. The amounts shown are due and payable as of the dates shown below:

Date Payment Due Amount Due

PROPERTY

DECLARATIONS


Declarations

Form 80-02-0000 (Ed. 4-94) Declarations

Property Insurance

Schedule of Forms

Policy Period JANUARY 1, 2020 TO JANUARY 1, 2021

Effective Date JANUARY 1, 2020

Policy Number 3605-43-62 LIO

Insured TULSA COUNTY PUBLIC FACILITIES AUTHORITY

Name of Company FEDERAL INSURANCE COMPANY

Date Issued JANUARY 6, 2020

BBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBB

The following is a schedule of forms issued as of the date shown above:

Edition Effective DateForm Number Date Form Name Date Issued80-02-0315 1-15 SUPP DEC-IMPAIRMENT OF COMP SERVICES 01/01/20 01/06/2080-02-1361 3-19 ADDITIONAL PERIL COMB EQ/EQSL LMT/DED/WP 01/01/20 01/06/2080-02-1428 3-19 ADD'L PERIL-FLOOD LIMIT/DED OR WP PER OCC 01/01/20 01/06/2080-02-0005 1-18 PROPERTY DECLARATIONS 01/01/20 01/06/2080-02-0220 1-15 PROPERTY SUPPLEMENTARY DECLARATIONS 01/01/20 01/06/2080-02-0225 7-03 PROPERTY SUPPLEMENTARY DEC.-BUSINESS INCOME 01/01/20 01/06/2080-02-1000 3-19 BUILDING AND PERSONAL PROPERTY 01/01/20 01/06/2080-02-1004 3-19 BUSINESS INCOME WITH EXTRA EXPENSE 01/01/20 01/06/2080-02-1018 7-03 EXTRA EXPENSE 01/01/20 01/06/2080-02-1095 7-03 IMPAIRMENT OF COMPUTER SERVICES-MALICIOUS PGM 01/01/20 01/06/2080-02-1097 3-19 PROPERTY/BI CONDITIONS & DEFINITIONS 01/01/20 01/06/2080-02-1324 10-06 WINDSTORM / HAIL DEDUCTIBLE OR WAITING PERIOD 01/01/20 01/06/2080-02-1634 7-03 LIMITS OF INS. - LOSS LIMIT OF INS. 01/01/20 01/06/2080-02-1660 1-15 EXCL. OF CERTIFIED ACTS-INCL. ENSUING FIRE 01/01/20 01/06/2080-02-1781 5-15 OKLAHOMA MANDATORY - AMENDED CONDITIONS 01/01/20 01/06/2080-02-5355 1-15 SPECIAL WAITING PERIOD PROVISION ADDED 01/01/20 01/06/2080-02-5407 3-19 OCEAN CARGO COVERAGE ADDED 01/01/20 01/06/20

last page

Form 80-02-1999 (ED. 6-95) Schedule of Forms Page 1

Property Insurance JANUARY 6, 2020 continued

80-02-0005 (Rev. 1-18) Declarations 1F rm o

Issue Date:

Page

3605-43-62 LIO

TULSA COUNTY PUBLIC FACILITIES AUTHORITY4145 EAST 21ST STREET

JANUARY 1, 2020

TULSA, OK 74114


0030962-99999INDIANA


JANUARY 1, 2020 JANUARY 1, 2021 Policy Period:

d and Mamber

Named Insure

From:

Addres

Producer No.

12:01 A.M. standard time at the Named Insured's mailing address shown above.

Producer

iling s

Property Insurance

To

Effective Date

Declarations

:

Issued by the stock insurance company


Policy Nu

Chubb Group of Insurance Companies


indicated below, herein called the company.


$ 10,000 24 HOURS UNLIMITED

specific premises or coverage.and all premises shown in this and all other property declarations, unless corresponding specific information is shown as applicable to a

The information shown above applies to:

Extended PeriodWaiting PeriodDeductible

� all additional coverages; and� debris removal coverage,

� all premises coverages;

$ 50,000,000

(REFER TO LOSS LIMIT OF INSURANCE ENDORSEMENT)

Loss Limit Of Insurance

1. 4145 E 21ST ST, TULSA, OK 74114

Premises Schedule

2. 4503 E 21ST ST, TULSA, OK 74114 3. 3901 E 21ST ST, TULSA, OK 74114 4. 1701 S LOUISVILLE AVE, TULSA, OK 74112 5. 4705A E 21ST ST, TULSA, OK 74114 6. 3902 E 15TH ST, TULSA, OK 74112



Issue Date:

Page

Premises Schedule (continued)

7. 4609 E 21ST ST, TULSA, OK 74114 8. 1701 S LOUISVILLE AVE, TULSA, OK 74112 9. 4116 E 15TH ST, TULSA, OK 74112 10. 4004 E 15TH ST, TULSA, OK 74112 11. 4000 E 15TH ST, TULSA, OK 74112 12. 1947 S KNOXVILLE AVE, TULSA, OK 74112 13. 1914 S LOUISVILLE AVE, TULSA, OK 74112 14. 4017 E 21ST ST, TULSA, OK 74114 15. 4565 E 21ST ST, TULSA, OK 74114 16. 4149 E 21ST ST, TULSA, OK 74114

$ 7,386,6741. PERSONAL PROPERTY

Blanket Number and Coverages

Premises Coverages - Blanket LimitsLimits Of Insurance

FINE ARTS $ 15,000,0002. BUSINESS INCOME WITH EXTRA EXPENSE $ 50,000,0003. BUILDING

"Blanket" limit applies to other Premises Coverage at such premises.specific limit is shown under Limits Of Insurance for a Premises Coverage, that Limit applies to such coverage, even if adetermine the Limit Of Insurance applicable to such Premises. "Blanket" limits are numbered for ease of reference. If aplease refer to the "Premises Coverages � Blanket Limits" section or the "Loss Limits Of Insurance" section above toPremises Coverages If "Blanket" or "Loss Limit" is shown under Limits Of Insurance as applicable to a Premises,

1 4145 E 21ST ST BLDG # 1TULSA, OKLAHOMA 74114

EXPOSITION CENTER DESC:

#PREMISES

BLANKET 3BUILDING

Limits Of Insurance

BLANKET 1PERSONAL PROPERTY BLANKET 2BUSINESS INCOME WITH EXTRA EXPENSE BLANKET 1FINE ARTS

$ 1,000DEDUCTIBLE


41415C MUSTANG ARENA (NORTH ARENA) DESC:

#PREMISES

BLANKET 3BUILDING

Limits Of Insurance

BLANKET 2BUSINESS INCOME WITH EXTRA EXPENSE



Issue Date:

Page

Premises Coverages (continued)


FORD TRUCK ARENA-4145A E 21ST ST. TULSA DESC:

#PREMISES

BLANKET 3BUILDING

Limits Of Insurance



EXPLORER BARN- 4145D 21ST ST DESC:

#PREMISES

BLANKET 3BUILDING

Limits Of Insurance

BLANKET 1PERSONAL PROPERTY BLANKET 2BUSINESS INCOME WITH EXTRA EXPENSE


EXPEDITION & OKLAHOMA FORD DEALERS BARN DESC:

#PREMISES

BLANKET 3BUILDING

Limits Of Insurance

BLANKET 1PERSONAL PROPERTY


F-150 BARN (BARN E) 4145F DESC:

#PREMISES

BLANKET 3BUILDING

Limits Of Insurance



SUPER DUTY BARN (BARN D) 4145 E DESC:

#PREMISES

BLANKET 3BUILDING

Limits Of Insurance




Issue Date:

Page


Limits Of Insurance BLANKET 2BUSINESS INCOME WITH EXTRA EXPENSE

2 4503 E 21ST ST TULSA, OKLAHOMA 74114

CENTRAL PLANT DESC:

#PREMISES

BLANKET 3BUILDING

Limits Of Insurance



SAFETY & SECURITY DESC:

#PREMISES

BLANKET 3BUILDING

Limits Of Insurance


4 1701 S LOUISVILLE AVE TULSA, OKLAHOMA 74112

PAVILION DESC:

#PREMISES

BLANKET 3BUILDING

Limits Of Insurance


5 4705A E 21ST ST BLDG # 1TULSA, OKLAHOMA 74114

RACE TRACK SURFACE DESC:

#PREMISES

BLANKET 3BUILDING

Limits Of Insurance



TOTE BOARD - IN RACE AREA 4705C DESC:

#PREMISES



Issue Date:

Page


BLANKET 3BUILDING

Limits Of Insurance



STEEL TRACK RAIL 4705C DESC:

#PREMISES

BLANKET 3BUILDING

Limits Of Insurance



CENTRAL PARK HALL 4705B DESC:

#PREMISES

BLANKET 3BUILDING

Limits Of Insurance



SCOREBOARD DESC:

#PREMISES

BLANKET 3BUILDING

Limits Of Insurance

6 3902 E 15TH ST BLDG # 1TULSA, OKLAHOMA 74112

ARMORY DESC:

#PREMISES

BLANKET 3BUILDING

Limits Of Insurance



NATIONAL GUARD BUILDING 3902A DESC:

#PREMISES



Issue Date:

Page


BLANKET 3BUILDING

Limits Of Insurance



NATIONAL GUARD BUILDING 2 3902B DESC:

#PREMISES

BLANKET 3BUILDING

Limits Of Insurance



ARMORY KITCHEN-3902C DESC:

#PREMISES

BLANKET 3BUILDING

Limits Of Insurance



FAIRMEADOWS SIMULCAST CENTER DESC:

#PREMISES

BLANKET 3BUILDING

Limits Of Insurance


8 1701 S LOUISVILLE AVE BLDG # 1TULSA, OKLAHOMA 74112

SCOREBOARD DESC:

#PREMISES

BLANKET 3BUILDING

Limits Of Insurance




Issue Date:

Page


8 1701 S LOUISVILLE AVE BLDG # 2TULSA, OKLAHOMA 74112

PAVILION EXTENSION 1701A DESC:

#PREMISES

BLANKET 3BUILDING

Limits Of Insurance


9 4116 E 15TH ST TULSA, OKLAHOMA 74112

OSU AG BUILDING DESC:

#PREMISES

BLANKET 3BUILDING

Limits Of Insurance



EAST MAINTENANCE BUILDING DESC:

#PREMISES

BLANKET 3BUILDING

Limits Of Insurance



WEST MAINTENANCE BUILDING DESC:

#PREMISES

BLANKET 3BUILDING

Limits Of Insurance


12 1947 S KNOXVILLE AVE TULSA, OKLAHOMA 74112

HOUSE DESC:

#PREMISES

Property Insurance JANUARY 6, 2020 last page

80-02-0005 (Rev. 1-18) Declarations 8

ABCD

F rm o

Issue Date:

Page


BLANKET 3BUILDING

Limits Of Insurance


13 1914 S LOUISVILLE AVE TULSA, OKLAHOMA 74112

PREMISES #

BLANKET 3BUILDING

Limits Of Insurance



STAGE DESC:

#PREMISES

BLANKET 3BUILDING

Limits Of Insurance



BARN DESC:

#PREMISES

BLANKET 3BUILDING

Limits Of Insurance



EXCHANGE BUILDING DESC:

#PREMISES

BLANKET 3BUILDING

Limits Of Insurance




0030962-99999INDIANA



Form 80-02-0315 (Ed. 1-15)

increased Limits

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Page 26 of 29

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Page 27 of 29

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Page 28 of 29


Definitions

Loss Payment

(continued)Limitations

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Tenant�s Improvements

Conditions (Including

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Page 29 of 29

Form 80-02-1004 (Rev. 3-19)

Removal

Or Injury 13

Page 1 of 14


Limits

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Fair

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10

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I

Form 80-02-1004 (Rev. 3-19) Contract Page 2 of 14

THIS PAGE INTENTIONALLY LEFT BLANK

Form 80-02-1004 (Rev. 3-19)

; and

dependent business premises

Business Income And

Premises Coverages

Extra Expense

,

,

Property Insurance

GenerationAlternative Power

Contract

for which a Limit Of Insurance for Business Income With Extra Expense is shown in the

during the

during the

loss you incur, if such coverage is provided:

; and

operations

physical loss or damage by a

, not to exceed the applicable Limit Of Insurance for

; and

Business Income With Extra Expense shown in the Declarations.

operations

Page 3 of 14

�

Declarations.

you incur due to the actual or potential impairment of your

.

A.

2.

period of restoration

bold

loss or

; and

, unless otherwise stated.

utilizes surplus power that you generate from

property

�

1. due to the actual impairment of your

extra expense

We will pay for the actual:

B.

occur at, or within 1,000 feet of, the premises, other than a

the Limit Of Insurance for Extra Expense shown in the Supplementary Declarations � Property does

This Premises Coverage applies only at those premises:

Except as otherwise provided, direct physical loss or damage must:

applicable to such coverages is shown in the Declarations.

Declarations of this policy. The words �we,� �us� and �our� refer to the company providingThroughout this contract, the words �you� and �your� refer to the Named Insured shown in the

premises in the Declarations, such limit reflects your total Limit Of Insurance at that premises and

Words and phrases that appear in

covered peril

must be caused by or result from direct

If a Limit Of Insurance for Business Income With Extra Expense is shown as applicable to a


; and

�

to purchase substitute power from a third party; and

the Property/Business Income Conditions And Definitions form included in this policy.

this insurance.

you incur, if such coverage is provided:

The following Premises Coverages apply only at those premises for which a Limit Of Insurance

�

shown in the Declarations.

operations

�

2. during the

loss you incur due to the actual impairment of your

�

1. due to the actual or potential impairment of your

not apply.


alternative power generating equipment


Contract


operations

This actual or potential impairment of

due to the loss of credits, reimbursements, rebates or other sums you receive from a third party that

business income

business income

to

be caused by or result from a

print have special meanings and are defined in

where you incur a

business income

extra expense

extra expense

covered peril

,

,

operations

Form 80-02-1004 (Rev. 3-19)

during the

.

is repaired(continued)

first appeared and will end:

fungus

GenerationAlternative Power

Alternative Water

Premises Coverages

, not

Property Insurance

at

Fungus Clean-up OrRemoval

Systems

Contractual Penalties

Contract

business income

operations

,

alternative power generating equipment

Page 4 of 14

to exceed the applicable Limit Of Insurance for Business Income With Extra Expense shown in

This Premises Coverage applies until the

you incur:

operations

is repaired or replaced and fully

�

covered peril


alternative water system


operational in accordance with the manufacturer�s specifications.

; and

.

� extra expense

loss; and

coverage ends,

fungus

Business Income With Extra Expense shown in the Declarations.

The actual or potential impairment of

must be caused by or result from the presence of

�

when your

property

covered peril alternative power generating equipment

This Alternative Water Systems Premises Coverage does not apply at any premises that supplies

�

45 consecutive days after this coverage begins; or �

to purchase substitute water from a third party.

your premises with utility services.

operations

We will pay for the actual

for Business Income With Extra Expense shown in the Declarations.The most we will pay for Alternative Power Generation loss is the applicable Limit Of Insurance

the Declarations.

business income

operations

This Premises Coverage applies until the

of a contract due to a material breach of that contract, not to exceed the applicable Limit OfInsurance for Contractual Penalties shown under Business Income in the Declarations.

physical loss or damage by a to

operations

your premises shown in the Declarations.

This material breach of contract must be the direct result of direct physical loss or damage by

The actual or potential impairment of

to an


a

during the

,

extra expense

alternative water system

�

due to the actual or potential impairment of your

We will pay for the contractual penalties you are legally liable to pay under the written provisions

This actual impairment of

whichever occurs first.

or replaced and fully operational in accordance with the manufacturer�s specifications.

This Alternative Power Generation Premises Coverage does not apply at any premises thatsupplies your premises with utility services.


you incur due to the actual impairment of your

�

to


The most we will pay for Alternative Water Systems loss is the applicable Limit Of Insurance for


Coverage will begin immediately after the date the

.

covered peril

Form 80-02-1004 (Rev. 3-19)

(continued)

Fungus Clean-up Or

,

Premises Coverages

Ingress And Egress

Property Insurance

Removal

New Product Delay

Contract

research and development operations

, if

to property, provided such property is within:

�

property


fungus

coverage

extent attributable to the competitor's product.

loss within 24 months after the date of the direct

�

for the period equal to the length of time it originally took to restore such lost or damaged

�

only if you discover the

water flood flood

fungus

business income

; and


This Premises Coverage does not apply if the:

would be covered under this insurance;

�

physical loss or damage;


operations

Page 5 of 14

�

is not reported to us in writing as soon as possible after you first become aware, or in

when existing ingress to or egress from a premises shown in the Declarations is prevented due todirect physical loss or damage by a

or

loss you incur and discover after lost or damaged

your

is caused by or results from:

covered peril

The most we will pay for this Premises Coverage is the applicable Limit Of Insurance for Ingress

Such payment will be made:

covered peril

are restored, with reasonable speed to the condition that


�

1.

directly related to your

; or

would have existed if no direct physical loss or damage occurred.

new or enhanced product, we will reduce the amount of such actual

business income


If a competitor introduces a similar product prior to the date you scheduled the introduction of your

�

2.

a peril that is not a

business income

property

moisture, other than

This Premises Coverage will begin at the time of direct physical loss or damage and will continue

from such premises, whichever is greater.

And Egress shown under Business Income in the Declarations.

:

is repaired or replaced and

�

existed prior to the effective date shown in the Declarations;

flood

loss to the

ends, whichever occurs first.

�

the exercise of reasonable care should have been aware, of the presence of

; or

until the expiration of 30 consecutive days thereafter or whenever your

operations

B.

is at premises shown under Excluded Premises in the Declarations.

; or C.

direct physical loss or damage is caused by or results from earthquake or

D.

only after the new product or the enhanced product is made available in the market-place; and

A.

ingress to or egress from your premises is prohibited by civil authority.

This Premises Coverage does not apply if the presence of

business income

business income

one mile; or


the applicable miles shown in the Declarations,

extra expense

with reasonable speed.

Form 80-02-1004 (Rev. 3-19)

, and must result in a delay in the introduction of any new product or

Civil Authority


Any Other Location

,

New Product Delay

,

Premises Coverages

Property Insurance

(continued)

Contract

business income



; and

from such premises or


operations

�

, provided such property is within:

;

to must be caused by or result from direct

covered

�

used by

.


you incur

peril

used by utility companies to supply you with services;

loss or

operations

Page 6 of 14

damage to property away from such premises or such This prohibition of access by a civil authority must be the direct result of direct physical loss or

by a civil authority.


by a

�

at a newly acquired premises;

operations

, whichever is greater.

operations

�

in transit

property

directly caused by the prohibition of access to:

property

�

at any exhibition, fair or trade show; or

at unspecified premises.

; and �

extra expense

loss must be caused by or result from direct physical loss or damage by a



The following Additional Coverages apply within the coverage territory.

operations

This Additional Coverage does not apply to

�

at a


,

business income extra expense

Income With Extra Expense shown in the Declarations.

caused by or resulting from loss or damage to property:


providers; �

business income

Business Income shown under Any Other Location in the Declarations.

�

extra expense


the enhancement of any existing product.

�

your premises; or

�

a


Any Other Location in the Declarations.

The

one mile; or

covered peril

on-line access


This Additional Coverage applies only if a Limit Of Insurance for Business Income is shown under

�

business income

during the

to

The most we will pay for New Product Delay is the applicable Limit Of Insurance for Business


�

the applicable miles shown in the Declarations,

�


covered peril

Form 80-02-1004 (Rev. 3-19)

flood


; and

Dependent Business

business income

property personal property of a dependent

Civil Authority


Property Insurance

,

Premises

(continued)

Contract

whichever is later.

This Additional Coverage does not apply if the direct physical loss or damage is caused by or

business premises

at a

will begin:

operations

. or

extra expense .


loss orsuch premises in the Declarations. Such higher limits apply to actual only by showingYou may purchase higher limits for specific

coverage ends,

business income

Page 7 of 14

business premises

will begin immediately after the time the civil authority prohibits access



flood

loss ends,

� business income

business income

to must be caused by or result from directThis actual or potential impairment of


operations

Dependent Business Premises shown under Business Income in the Declarations.

operations�

�


.

during the

whenever your

results from earthquake or

The coverage for:



The most we will pay for Civil Authority is the applicable Limit Of Insurance for Business IncomeWith Extra Expense shown in the Declarations.

A.

The coverage will apply for a period of:

This Additional Coverage does not apply if the direct physical loss or damage is caused byor results from earthquake or

.

B.

whichever is the longer.

2.

30 consecutive days after the coverage begins; or

dependent

The Waiting Period shown in the Declarations will begin immediately following the timethe civil authority prohibits access.

extra expense


�

after the applicable waiting period shown in the Declarations for Business Income

whichever occurs first; and

extra expense and will end:

1.

expires; or

2.

up to 30 consecutive days after coverage begins; or

1.

24 consecutive hours following the time the civil authority prohibits access,

business income

when your

only if the covered direct physical loss or damage occurs at such

covered peril

Form 80-02-1004 (Rev. 3-19)


Exhibition, Fair Or Trade

,

Property Insurance

to or

(continued)

,

In Transit

,

Show

Loss Of Utilities

Contract

caused by or resulting from loss or damage to any property while

extra expense

during the

;

or


operations

In Transit in the Declarations.


; and

from, any exhibition, fair or trade show.

while

personal property

loss or

building

to or from any

�

exhibition, fair or trade show;

located either inside or outside of a

operations

:

�

if you have purchased separate ocean marine insurance which covers any property while

Exhibition, Fair Or Trade Show in the Declarations.

.


�

in transit

mobile communication property

�

personal property of a utility

operations

) or ,

at, or while

; or

; and


, not to exceed the applicable Limit Of Insurance for Loss


to:

business income

electronic data processing

Business Income shown under Exhibition, Fair Or Trade Show in the Declarations.

; and

during the

; or


in transit

�

building


Page 8 of 14

property

(other than


This Additional Coverage does not apply to any


�

business income



physical loss or damage by a operations This actual or potential impairment of

to


�

extra expense

valuable papers to


�

when you are acting as a carrier for hire;


in transit


Business Income shown under In Transit in the Declarations.

,

in transit

Of Utilities shown under Business Income in the Declarations.

electronic data processing

�

extra expense


operations

during the


operations

�

extra expense

�

business income

property

fine arts




�

business income

caused by or resulting from loss or damage to shipments by mail, unless registered .

,


operations


personal property

operations


covered peril

covered peril

covered peril

fine arts

operations

Form 80-02-1004 (Rev. 3-19)

Loss Of Utilities


,

(continued)

Property Insurance

PremisesNewly Acquired

Contract

acquired premises and we add such premises to this policy;

operations

Page 9 of 14

�

you notify us of how you want Business Income With Extra Expense to apply to the newly

�

first 24 consecutive hours following the direct physical loss or damage expires,

; and

We will not pay for the actual

, not to exceed the applicable Limit Of Insurance for Business

�

applicable waiting period shown in the Declarations for Loss Of Utilities expires; or

�

service property


, necessary

�

water supply;

,

,

We will pay such loss provided that the disruption of services:

operations

whichever is the longer.

This Additional Coverage does not apply if the direct physical loss or damage is caused byor results from earthquake or

business income

must be caused by or result from direct physical


�

communication supply;

.

,

at each newly acquired premises. This Additional

�

power supply;


during the

covered peril property

loss you incur until the:


transmission or distribution equipment

loss or damage by a

premises to this policy.


We will charge you additional premium from the date you acquire the premises, if we add such

�

natural gas supply;

�

sewage treatment; or

flood

to operations

Coverage applies until the first of the following occurs:

Income shown in the Declarations under Newly Acquired Premises.

�

on-line access

�

is not due to your failure to comply with the terms and conditions of any contract; and

�

has been reported to the service provider.

�

applicable waiting period shown in the Declarations for Business Income expires;

�

this policy expires.

�

180 days pass from the date you acquire the premises; or

�

extra expense

services.

overhead communicationto supply your premises with:excluding


�

business income

Form 80-02-1004 (Rev. 3-19)

Prohibition Of Access

Preparation Of Loss

Property Insurance

(continued)

Pollutant Clean-up OrRemoval

Fees


Contract

to

weather conditions; or

loss ends,

operations

peril

2.

the geographic area where access is restricted is less than 5,000 square feet; or

damage to certify your

loss; and

, as a result of direct physical loss or damage by a

�

2.

direct physical loss or damage to property;

pollutants

Page 10 of 14


�

up to 30 consecutive days after the coverage begins; or

, not to exceed the applicable Limit

This Additional Coverage does not apply to any expenses you incur for any:

Of Insurance for Preparation Of Loss Fees shown under Business Income in the Declarations.


business income


�

1.

earthquake or

operations

loss or

, directly caused by the prohibition of

�

3.

the prohibition of access only applies to such premises.

from land, water or air,

The coverage will apply for a period of:

We will pay the reasonable and necessary expenses and fees incurred following covered loss or

A.

1.

during the

flood

must be caused by or result from the enforcement of any

This prohibition of access must be the direct result of a peril (not otherwise excluded by

either inside or outside of a

; or

, not to exceed the applicable Limit Of Insurance

A.

has occurred at or within 1,000 feet of such premises; or

covered

B.

business income

business income

extra expense

This actual impairment of

the Building And Personal Property Contract included in this policy) that:

you incur due to the actual impairment of your

operations

business income


access to a premises shown in the Declarations by a civil authority, subject to the applicable

The coverage will begin immediately following the time the civil authority prohibits access.

for Pollutant Clean-up Or Removal shown under Business Income in the Declarations.

ordinance or law that requires you to clean up or remove

�

is certain to occur imminently, provided:

This Additional Coverage does not apply:

�

when your

at the premises shown in the Declarations.

Limits Of Insurance for Prohibition Of Access.

if the prohibition of access is caused by or results from:

extra expense


insurance adjuster, consultant or attorney; or

of your subsidiaries or affiliates.

property

,

building

Form 80-02-1004 (Rev. 3-19)

loss, unless a Limit Of Insurance for Business Income is shown in the(continued)

Property Insurance

Automatic Increase In

Limits Of Insurance

,

Prohibition Of Access �

Prohibition Of Access


Limits

Limits Of Insurance

Contract

the Limit Of Insurance for Extra Expense shown in the Supplementary Declarations �� Property does not apply.

business income

occurrence

�

does not apply to any Limit Of Insurance applicable to more than one premises.

is the

Declarations:If a Limit Of Insurance for Business Income With Extra Expense is shown under a premises in the


loss and

Page 11 of 14

amount of loss, not to exceed the applicable Limit Of Insurance shown in the Declarations.Except as provided under Prohibition Of Access, the most we will pay in any

extra expense

�

Declarations, regardless of the number of prohibitions of access.� the applicable Aggregate Limit Of Insurance for Prohibition Of Access shown in the

� $100,000; or

policy period is the greater of:

B. to

contribute in any sequence to,

The most we will pay for all such loss or damage that occurs during each separate 12 month

� Declarations.

�

the applicable Each Occurrence Limit Of Insurance for Prohibition of Access shown in the

if such coverage is provided, not to exceed the greater of:regardless of the number of premises, is the amount of

The Limits Of Insurance for Business Income With Extra Expense will automatically increase bythe annual percentage shown in the Declarations under Automatic Increase In Limits. At the time

B.

$50,000; or

of loss or damage, the amount of increase will be determined by multiplying the applicable Limit

A.

Declarations applicable to the premises where prohibition of access occurred.

of access, directly resulting from:The most we will pay under the Prohibition Of Access Additional Coverage in any one prohibition

�

such prohibition of access,

This Automatic Increase In Limits:

rata basis.

contribute concurrently to; or

Of Insurance shown in the Declaration s by the percentage of the annual increase, applied on a pro

2.

1.

series of perils that:

a peril; or

in Limits is shown; andapplies only to a premises shown in the Declarations for which the Automatic Increase

such limit reflects your total Limit Of Insurance for such premises; and

business income

Form 80-02-1004 (Rev. 3-19)

operations

, if no physical loss or damage had occurred; and

loss

Continuance Of

operations

merchandise

occurrence

operations

Resumption Or

Extra Expense

Business Income

Loss Determination

Waiting Period

Property Insurance

Operations

Contract

your continuing operating expenses, including your continuing normal payroll expenses,

�

necessary to resume

�

direct physical loss or damage.

extra expense

loss payment to the extent you can resumeor continue your


are resumed; and

We will reduce the amount of any

loss that otherwise would have been incurred.

Page 12 of 14

�

customers or on other businesses; and

.

The amount of

operations

loss will be determined based on necessary expenses that:

period�

of business due to favorable business conditions caused by the impact of the covered loss on

We will deduct from the total of such expenses:

�

business income

that is paid for by other insurance.

or

business income

� the likely net income of your business if no loss or damage occurred, but not including any

�

exceed your normal operating expenses that would have been incurred by

.

�

during the

business income

with the same quality of service that existed just before the

�

the salvage value that remains on any property bought for temporary use during the

The amount of

, once

Subject to the applicable Limit Of Insurance, we will pay the amount of

; or

, only the

�

net income of your business before the direct physical loss or damage occurred;

�

of restoration

that would likely have been earned as a result of an increase in the volume

�

budgeting and marketing records.

�

reduce the

of information, including:In making any loss determination under this coverage, we may utilize relevant sources

that is incurred after the waiting period shown in the Declarations for each

The waiting period does not apply to

Hours shown for the waiting period are consecutive hours.

largest single waiting period will apply, unless otherwise stated.

following the time of the covered direct physical loss or damage.

If two or more Business Income waiting periods apply to the same

stock

occurrence

�

any

extra expense

loss will be determined based on:

If a waiting period is shown in the Declarations, the waiting period begins immediately

your financial records and accounting procedures;

bills, invoices and other vouchers;

deeds, liens and contracts;

business income

status and feasibility reports; and

damaged or undamaged property, including

any other available premises.

extra expense

business income

, in whole or in part, by using:

Form 80-02-1004 (Rev. 3-19)

operations

operations

business income extra expense

Debris Removal

Loss Payment

Monthly Limit Of

Loss Payment Option

Continuance OfResumption Or

Loss Determination

.

Increase Of Loss Due To

Property Insurance

Limitations

Indemnity

(continued)Operations

Death Or Injury

Increase Of Loss Due ToStrikers Or Others

Electronic Data

Causing A Delay

Contract

have taken to resume or continue

extra expense

or

any loss determination for

business income

caused by or resulting from

Page 13 of 14

property or resuming your We will not pay for any increase of loss caused by or resulting from delay in repairing or replacing

injury, sickness, disease, death, emotional injury, emotional distress or humiliation of any person.We will not pay for any

the loss or damage, even if such other cause or event would otherwise be covered.

malicious

�

operations

regardless of any other cause or event that directly or indirectly:

�

we will not make any payment for

loss or

:

will be based on the length of time it would

programming

extra expense

business income with reasonable speed; and

from direct physical loss or damage to

you incur for the demolition or removal of debris, but we

We will not pay for any

business income

business income


loss, not

will pay for such loss that otherwise would have been payable under this contract.



caused by or resulting from any

Of Indemnity shown in the Declarations.

loss or

loss incurred in each period of 30

This Monthly Limit Of Indemnity applies only for

.

Income is shown in the Declarations:

, due to interference at the location of the repair, replacement

�

contributes concurrently to; or

electronic data

If you elect not to resume or continue

operations

unused portion may be applied to any subsequent 30 day periods.If all of the amount determined by this calculation is not used in the 30 day period, the

consecutive days after the beginning of the

extra expense

will be determined byThe most we will pay for the actual

extra expense

The following Loss Payment Option applies when a Monthly Limit of Indemnity under Business

�

contributes in any sequence to,

multiplying the Limit Of Insurance for Business Income With Extra Expense by the Monthly Limit

by strikers or other persons.

extra expense

business income

you incur to the extent it reduces the amount of a covered

you incur caused by or resulting

Form 80-02-1004 (Rev. 3-19)

Limitations(continued)

Property Insurance

Loss Payment

Finished Stock

Loss Or Damage To

Provide Utility Services

Nuclear Hazard

Pollutant Clean-up Or

Property Used To

Conditions (IncludingCoverage Territory)

Loss Or Damage To

Definitions

Removal

Water

Loss Or Damage To

Contract

way responding to or assessing the effects of

loss to

,

you incur for loss or damage to

We will not pay for that part of any

located either inside or outside of a

.

; or

Page 14 of 14

�

a

business income covered

or

;

; or

,

loss that otherwise would have been payable under this contract.

used by you or a utility to provide you with utility services.


extra expense

you incur to the extent it reduces the amount of a

�

clean up or removal of

caused by or resulting from fire which ensues from nuclear

�

testing for, monitoring, containing, treating, detoxifying or neutralizing, or in any

business income

business income

extra expense

building

Except as provided for in the Loss of Utilities Additional Coverage, we will not pay for any

water.

service property

extra expense

caused by or resulting from loss or damage to:


extra expense

from land, water or air, either inside or outside of

building personal property

business income

reaction or radiation, or radioactive contamination.

pollutants

you incur for loss or damage to


�


you incur for:

�

building

loss or

but we will pay for such

Conditions And Definitions form included in this policy.The definitions applicable to this contract are contained in the Property/Business Income

Conditions An d Definitions form included in this policy.The conditions applicable to this contract are contained in the Property/Business Income

building

business income

extra expense

pollutants

loss or

loss or

finished stock

Property Insurance

Extra Expense


Table Of ContentsSection Page No.

Premises Coverages 3

Additional Coverages 4

Limits Of Insurance 5

Loss Determination 5

Loss Payment Limitations 6

Conditions (Including Coverage Territory) 7

Definitions 7

EXTRA

EXPENSE

PROPERTY

CONTRACT

Extra Expense

Contract

Property Insurance


Words and phrases that appear in bold print have special meanings and are defined in theProperty/Business Income Conditions And Definitions form included in this policy.

Throughout this contract, the words �you� and �your� refer to the Named Insured shown in theDeclarations of this policy. The words �we�, �us� and �our� refer to the company providing thisinsurance.

Premises Coverages The following Premises Coverages apply only at those premises for which a Limit Of Insuranceapplicable to such coverages is shown in the Declarations.

Except as otherwise provided, direct physical loss or damage must:

� be caused by or result from a covered peril; and

� occur at, or within 1,000 feet of, the premises, other than a dependent business premises,shown in the Declarations.

Extra Expense We will pay for the actual extra expense you incur due to the actual or potential impairment ofyour operations during the period of restoration, not to exceed the applicable Limit Of Insurancefor Extra Expense shown in the Declarations.

This actual or potential impairment of operations must be caused by or result from direct physicalloss or damage by a covered peril to property unless otherwise stated.

This Premises Coverage applies only at those premises:

� where you incur an extra expense loss; and

� for which a Limit Of Insurance for Extra Expense is shown in the Declarations.

Fungus Clean-up OrRemoval

We will pay for the actual extra expense you incur due to the actual impairment of youroperations during the period of restoration, not to exceed the applicable Limit Of Insurance ForExtra Expense shown in the Declarations.

This actual impairment of operations must be caused by or result from the presence of fungus atyour premises shown in the Declarations.

Coverage will begin immediately after the date the fungus first appeared and will end:

� 45 consecutive days after this coverage begins; or

� when your impairment of operations ends,


This Premises Coverage does not apply if the presence of fungus:

A. is caused by or results from:

1. a peril that is not a covered peril; or

2. moisture, other than water or flood, if flood would be covered under this insurance;

B. existed prior to the effective date shown in the Declarations;

Property Insurance


Premises Coverages

Fungus Clean-up OrRemoval(continued)

C. is not reported to us in writing as soon as possible after you first become aware, or in theexercise of reasonable care should have been aware, of the presence of fungus; or

D. is at premises shown under Excluded Premises in the Declarations.

Additional Coverages The following Additional Coverages apply within the coverage territory.

Civil Authority We will pay for the actual extra expense you incur due to the actual impairment of youroperations, directly caused by the prohibition of access to:

� your premises; or

� a dependent business premises,

by a civil authority.

This prohibition of access by a civil authority must be the direct result of direct physical loss ordamage to property away from such premises or such dependent business premises by a coveredperil, provided such property is within:

� one mile; or

� the applicable miles shown in the Declarations,

from such premises or dependent business premises, whichever is greater.

The most we will pay for Civil Authority is the applicable Limit Of Insurance for Extra Expenseshown in the Declarations.

The coverage will begin immediately after the time the civil authority prohibits access and willend:

� 30 consecutive days after the coverage begins; or

� whenever your extra expense is no longer required,


This Additional Coverage does not apply if the direct physical loss or damage is caused by orresults from earthquake or flood.

Dependent BusinessPremises

We will pay for the actual extra expense you incur due to the actual or potential impairment ofyour operations during the period of restoration, not to exceed the applicable Limit Of Insurancefor Dependent Business Premises shown under Extra Expense in the Declarations.

This actual or potential impairment of operations must be caused by or result from direct physicalloss or damage by a covered peril to property or personal property of a dependent businesspremises at a dependent business premises shown in the Declarations.


Extra Expense

Property Insurance


Additional Coverages(continued)

Loss Of Utilities We will pay for the actual extra expense you incur due to the actual or potential impairment ofyour operations, not to exceed the applicable Limit of Insurance for Loss Of Utilities shownunder Extra Expense in the Declarations.

This actual or potential impairment of operations must be caused by or result from direct physicalloss or damage by a covered peril to:

� building;

� personal property of a utility located either inside or outside of a building; or

� service property,

excluding overhead communication, transmission or distribution equipment, necessary tosupply your premises with:

� water supply;

� communication supply;

� power supply;

� natural gas supply;

� sewage treatment; or

� on-line access,

services.

We will pay such loss provided that the disruption of services:

� is not due to your failure to comply with the terms and conditions of any contract; and

� has been reported to the service provider.


Limits Of Insurance The most we will pay in any occurrence is the amount of loss, not to exceed the applicable LimitOf Insurance shown in the Declarations.

Loss Determination In making any loss determination under this coverage, we will utilize relevant sources ofinformation, including:

� your financial records and accounting procedures;

� bills, invoices and other vouchers;

� deeds, liens and contracts;

� written agreements evidencing grants, endowments, or other financial contributions;

� status and feasibility reports; and

� budgeting and marketing records.

Property Insurance


Loss Determination(continued)

Extra Expense The amount of extra expense loss will be determined based on necessary expenses that exceedyour normal operating expenses that would have been incurred by operations during the period ofrestoration, if no physical loss or damage had occurred.


� the salvage value that remains of any property bought for temporary use during the periodof restoration, once operations are resumed; and

� any extra expense that is paid for by other insurance.

Resumption OrContinuance OfOperations

If you elect not to resume or continue operations, we will not make any payment for extraexpense.

Loss PaymentLimitations

Debris Removal We will not pay for any extra expense you incur for the demolition or removal of debris.

Increase Of Loss Due ToDeath Or Injury

We will not pay for any extra expense you incur caused by or resulting from any injury, sickness,disease, death, emotional injury, emotional distress or humiliation of any person.

Increase Of Loss Due ToStrikers Or OthersCausing A Delay

We will not pay for any increase of loss caused by or resulting from delay in repairing or replacingproperty or resuming your operations, due to interference at the location of the repair,replacement or operations by strikers or other persons.

Loss Or Damage ToElectronic Data

We will not pay for any extra expense you incur caused by or resulting from direct physical lossor damage to electronic data, unless such direct physical loss or damage is caused by or resultsfrom:

� aircraft;

� explosion;

� earthquake, (except California) to the extent covered under the Electronic Data ProcessingProperty contract which is part of this policy;

� falling objects;

� fire;

� flood, to the extent covered under the Electronic Data Processing Property contract which ispart of this policy;

� freezing;

� leakage from fire protection equipment;

� lightning;

Extra Expense

Property Insurance



Loss Or Damage ToElectronic Data(continued)

� riot or civil commotion;

� sinkhole collapse;

� smoke;

� vehicles;

� weight of snow; or

� windstorm or hail.

Loss Or Damage ToProperty Used ToProvide Utility Services

Except as provided for in the Loss Of Utilities Additional Coverage, we will not pay for any extraexpense caused by or resulting from loss or damage to:

� building;

� personal property of a utility located either inside or outside of a building; or

� service property,

used by you or a utility or provide you with utility services.

Loss Or Damage ToWater

We will not pay for any extra expense you incur for loss or damage to water.

Nuclear Hazard We will not pay for any extra expense you incur for loss or damage to building or personalproperty caused by or resulting from fire which ensues from nuclear reaction or radiation, orradioactive contamination.

Pollutant Clean-up OrRemoval

We will not pay for any extra expense caused by or resulting from the:

� clean up or removal of pollutants from any land, water or air, either inside or outside of abuilding; or

� testing for, monitoring, containing, treating, detoxifying or neutralizing, or in any wayresponding to or assessing the effects of pollutants.


The conditions applicable to this contract are contained in the Property/Business IncomeConditions And Definitions form included in this policy.

Definitions The definitions applicable to this contract are contained in the Property/Business IncomeConditions And Definitions form included in this policy.

Property Insurance

Impairment Of Computer Services �Malicious Programming

Form 80-02-1095 (Ed. 7-03) Contract Page 1 of 7

Table Of ContentsSection Page No.

Coverages 3

Policy Exclusions 3

Limits Of Insurance 5

Deductible 5

Loss Determination 5

Loss Payment Limitations 6

Conditions (Including Coverage Territory) 6

Additional Condition 7

Definitions 7

Amended Definition 7

IMPAIRMENT

OF

COMPUTER

SERVICES

MALICI

OUS

PROGRAMMING

PROPERTY

CONTRACT


Contract

Property Insurance


Words and phrases that appear in bold print have special meanings and are defined in theProperty/Business Income Conditions And Definitions form included in this policy and theAmended Definitions section of this contract.

Throughout this contract, the words, �you� and �your� refer to the Named Insured shown in theDeclarations of this policy. The words �we�, �us� and �our� refer to the company providing thisinsurance.

Coverages

Impairment Of ComputerServices - Inside Attack


� electronic data recovery costs;

� business income loss; and

� extra expense,

you incur due to the actual impairment of your operations during the period of recovery ofcomputer service, not to exceed the applicable Limit Of Insurance for Impairment Of ComputerServices - Inside Attack shown in the Declarations.

This actual impairment of operations must be caused by or result from actual loss to electronicdata or a system due to malicious programming by an insider, unless an exclusion applies.

Impairment Of ComputerServices - OutsideAttack


� electronic data recovery costs;

� business income loss; and

� extra expense,

you incur due to the actual impairment of your operations during the period of recovery ofcomputer service, not to exceed the applicable Limit Of Insurance for Impairment Of ComputerServices - Outside Attack shown in the Declarations.

This actual impairment of operations must be caused by or result from actual loss to electronicdata or a system due to malicious programming by an outsider, unless an exclusion applies.

Policy Exclusions The following Policy Exclusions apply to all coverages provided in this contract.

Dishonesty This insurance does not apply to loss caused by or resulting from fraudulent, dishonest or criminalacts or omissions committed alone or in collusion with others by you, your partners, members,officers, managers, directors, trustees, employees, anyone performing acts coming within the scopeof the usual duties of your employees, or by anyone authorized to act for you, or anyone to whomyou have entrusted covered property for any purpose.

This Dishonesty exclusion does not apply to malicious programming by an insider.

Property Insurance


Policy Exclusions(continued)

Governmental Or MilitaryAction

This insurance does not apply to loss caused by or resulting from seizure, confiscation,expropriation, nationalization or destruction of property by order of governmental or militaryauthority, whether de jure or de facto, regardless of any other cause or event that directly orindirectly:

� contributes concurrently to; or

� contributes in any sequence to,

the loss, even if such other cause or event would otherwise be covered.

Nuclear Hazard This insurance does not apply to loss caused by or resulting from nuclear reaction or radiation, orradioactive contamination, regardless of any other cause or event that directly or indirectly:




Random Or MultipleAttack

This insurance does not apply to loss caused by or resulting from any malicious programmingwhich:

� is not specifically directed at a system;

� is designed or intended to affect more than one computer system or network; or

� actually affects more than one computer system or network.

This Random Or Multiple Attack exclusion does not apply to malicious programming by anoutsider.

War And Military Action This insurance does not apply to loss caused by or resulting from:

� war, including undeclared or civil war;

� warlike action by a military force, including action in hindering or defending against anactual or expected attack, by any government, sovereign or other authority using militarypersonnel or other agents; or

� insurrection, rebellion, revolution, usurped power or action taken by governmental ormilitary authority, whether de jure or de facto, in hindering or defending against any ofthese,






Property Insurance


Limits Of Insurance

Impairment Of ComputerServices - Insider

The most we will pay in any occurrence for the sum of electronic data recovery costs, businessincome loss and extra expense due to malicious programming by an insider, is the Limit OfInsurance for Impairment Of Computer Services - Inside Attack shown in the Declarations.

Impairment Of ComputerServices - Outsider

The most we will pay in any occurrence for the sum of electronic data recovery costs, businessincome loss and extra expense due to malicious programming by an outsider, is the Limit OfInsurance for Impairment Of Computer Services - Outside Attack shown in the Declarations.

Subject to the Limit Of Insurance for Impairment Of Computer Services - Outside Attack, themost we will pay for the sum of all electronic data recovery costs, business income loss andextra expense due to malicious programming by an outsider that occurs during each separate12-month policy period, is the Aggregate Limit Of Insurance for Impairment Of ComputerServices - Outside Attack shown in the Declarations.

Deductible Subject to the applicable Limit Of Insurance, we will pay the amount of electronic data recoverycosts in excess of the applicable deductible amount shown in the Declarations for eachoccurrence.

If two or more deductibles apply to the same occurrence, only the largest single deductible willapply, unless otherwise stated.

Loss Determination In making any loss determination under this contract, we may utilize relevant sources ofinformation, including:

� your financial records and accounting procedures;

� bills, invoices and other vouchers;

� deeds, liens and contracts;

� status and feasibility reports; and

� budgeting and marketing records.

Business Income The amount of business income loss will be determined based on the:

� net income of your business before the malicious programming occurred;

� the likely net income of your business if no malicious programming occurred, but notincluding any business income that would likely have been earned as a result of an increasein the volume of business due to favorable business conditions caused by the impact of thecovered loss on customers or on other businesses; and

� your continuing operating expenses, including your continuing normal payroll expenses,necessary to resume operations with the same quality of service that existed just before themalicious programming.

Property Insurance


Loss Determination(continued)

Extra Expense The amount of extra expense loss will be determined based on necessary expenses that:

� exceed your normal operating expenses that would have been incurred by operationsduring the period of recovery of computer services, if no malicious programming hadoccurred; and

� reduce the business income loss that otherwise would have been incurred.


� the salvage value that remains of any property bought for temporary use during the periodof recovery of computer services, once operations are resumed; and

� any extra expense that is paid for by other insurance.

Resumption OrContinuance OfOperations

We will reduce the amount of any business income loss payment to the extent you can resume orcontinue your operations, in whole or in part, by using any available electronic data or system,including the electronic data or system impacted by the malicious programming.

If you elect not to resume or continue operations:

� any loss determination for business income will be based on the length of time it wouldhave taken to resume or continue operations with due diligence and dispatch; and

� we will not make any payment for extra expense.


Contributing PhysicalLoss Or Damage

We will not pay for any business income loss or extra expense caused by or resulting frommalicious programming if direct physical loss or damage:

� contributes concurrently to, or


such business income loss or extra expense.

Extortion We will not pay that part of any business income loss or extra expense you incur to respond toextortion or other similar threat.

Loss Of Market We will not pay for any loss that results from loss of market, loss of use or delay.


The conditions applicable to this contract are contained in the Property/Business IncomeConditions And Definitions form included in this policy. Any additional conditions are containedin the Additional Condition section of this contract.


Property Insurance


Additional Condition

System Security If a system is protected by security software, you are required to maintain and, as necessary,upgrade (at your own cost) such software so that it provides a technologically credible level ofsecurity.

We will not pay for any loss caused by malicious programming if, prior to the maliciousprogramming, you:

� knew of any defect or deficiency in the security software and failed to correct it;

� failed to maintain the security software in complete working order; or

� knew of any technologically credible upgrades to the security software that could haveprevented the malicious programming, and failed to make them.

Definitions The definitions applicable to this contract are contained in the Property/Business IncomeConditions And Definitions form included in this policy. Any definition that amends thedefinitions contained in the Property/Business Income Conditions And Definitions form are shownin the Amended Definition section of this contract.

Amended Definition

Extra Expense Extra expense means necessary expenses you incur in an attempt to continue operations, overand above the expenses you would have normally incurred.


12

Specified Peril

Page 1 of 30

O

O

Conditions

Table Of Contents

Security Software

18

Definitions

Conditions And Definitions

28

Recovered Property

Property/Business Income

28

Fine Arts

Property Insurance

Robbery Of Money Or Securities

2

6

Extra Expense

14

Research And Development Operations 2

8

Electronic Data Recovery Costs

12

Research And Development Income

20

Electronic Data Processing Property13

Operations

20

Electronic Data Processing Equipment

15

Raw Stock

20

Electronic Data

13

Personal Property Of Others

20

Dependent Business Premises

15

Personal Property Of Employees

20

Covered Peril

1

5

Personal Property21

Contractors� Equipment

15

Period Of Restoration

20

Communication Property

14

Occurrence

24Business Income

12

Period Of Recovery Of Computer

22

Building Components

12

Overhead Communication, Transmission

1

7

Bonus Payments

14

Money

2

6

Insured�s Duties In The Event Of Loss

1

9

Outdoor Trees, Shrubs, Plants

20

Blank Media

10

Sinkhole Collapse

18

Coverage Territory

10

Prototypes

17

Concealment Or Misrepresentation

10

Property

2

5

Alternative Water System10

Securities

17

Abandonment

10

Mobile Communication Property

25

Alternative Power Generating Equipment

14

Pollutants

19

Accounts Receivable Records

11

Stock

16

Insider

11

Mobile Equipment

25

Accounts Receivable

11

Merchandise

23

Fungus

3

Malicious Programming16

Flood

4

Non-Owned Detached Trailers

16

Transfer Of Rights Of Recovery To Us

4

Off Premises

27

Green Expenses

4

Market Value

25

Building

3

On Premises

27Finished Stock

3

On-Line Access

24

Green Standards

3

Personal Property Of A Dependent

27

Liberalization

3

Personal Property Of A Utility

2

7

Other Insurance

6

Prepaid Rent

2

Appraisal

9

Rental Income26

In Transit

9


26

No Benefit To Carrier Or Bailee

9

Outsider

28

Mortgage Holder � Buildings

8

Service Property

19

Loss Payment

8

Mechanical Or Electrical System

9Lenders/Loss Payee

8

Service

Legal Action Against Us

7

Business Premises

Joint Loss Agreement

7

Or Distribution Equipment

Or Damage

6

Or Lawns

Or Apparatus

M

A

O

O

R

O

O

R

A

R

O

N

R

R

D

C

C

D

B

N

NU

C

N

S

Y

D

N

T

N

S

P

C

S

T

N

N

T

S

P

P

T

P

E

S

E

TY

E

E

/

T

I

F

I

E

I

I

I

I

I

Form 80-02-1097 (Rev. 3-19)

(continued)

30

Page 2 of 30

Table Of Contents

Contract

30Valuable Papers

30Tenants� Lease Interest 29

Tenant�s Improvements29

Sublease Profit29

Stock In Process29

Water

29

Unamortized

System

And Betterments

Form 80-02-1097 (Rev. 3-19)

Concealment OrMisrepresentation

Appraisal

Abandonment

Conditions

Coverage Territory


Exhibition, Fair Or Trade Show Additional Coverage; and

Page 3 of 30

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

You and we will equally share any other appraisal costs and the costs of the umpire.

will be binding on you and us.

in transit

will submit their statements to the umpire. Agreement by the umpire and either of the appraisersthe value of the property and the amount of the loss or damage. If the appraisers do not agree, theythat a judge of a court having jurisdiction make the selection. Each appraiser will separately stateappraisers will select an umpire. If the appraisers cannot agree on an umpire, either may requestand impartial appraiser, and we will select and pay a competent and impartial appraiser. The twodemand for an appraisal of the loss or damage. In this event, you will select and pay a competentIf you and we do not agree on the amount of the loss or damage, either party may make a written

stated.

Dependent Business Premises Additional Coverage;

any material fact or circumstance relating to this insurance at any time.This insurance is void if you or any other insured intentionally conceals or misrepresents

abandonment in writing.There can be no abandonment of any covered property to us unless we specifically agree to such


within and between the contiguous


The following conditions apply to all contracts contained within the Property/Business IncomeInsurance sections of this policy, except Care, Custody or Control Legal Liability, or as otherwise

Contract

is worldwide.

�

3. territories or possessions of the United States of America or Canada.

�

2. Puerto Rico; and

�

1. the State of Hawaii;

The Coverage Territory for:

C. waterborne shipments to or from:

B. intercoastal waterborne shipments via the Panama Canal; and

A.

Mobile Communication Property Additional Coverage,

territories or possessions of the United States of America or Canada, excluding:United States of America, Canada, the States of Hawaii and Alaska, Puerto Rico and theThis insurance applies anywhere within and

coastwise waterborne shipments to or from Alaska;


Joint Loss Agreement

Event Of Loss OrInsured�s Duties In The

Damage

(continued)Conditions

Contract

for examination.

�

Notify us, or one of our authorized representatives, as soon as possible, as to what occurred.� Include a description of the property involved, the time and place of the loss or damage,

�

and names and addresses of available witnesses. If there has been loss or damage that may

You must see to it that the following are done in the event of loss or damage:

Page 4 of 30

A.

result in a loss under any Business Income or Extra Expense Insurance, notify us by

affect the insurance afforded you by this policy.document) to notify us of any loss or damage that such agent or employee knows about will notposition created by your organization�s charter, constitution, bylaws or other governingFailure of an agent or one of your employees (other than an officer, or other person holding a

�

telephone, telegraph or facsimile at our expense.

�

Take every reasonable step to protect the covered property from further loss or damage, and

�

peril. Also, if feasible, set the lost or damaged property aside and in the best possible order

�

will not pay for any subsequent loss or damage resulting from a peril that is not a covered

�

keep a record of your expenses necessary to protect such covered property for consideration

�

in the settlement of the claim. This will not increase any Limit Of Insurance. However, we

�

a disagreement as to the amount of the loss or damage to be paid by each insuring company.

�

when there is agreement between the insuring companies as to the existence of coverage, but

2. Boiler and Machinery insurance issued by a different insurer; and

1. this insurance; and

is covered by:This condition is intended to facilitate payment in the event of loss or damage to property that

Notify the police if a law may have been violated.

If you intend to continue your business, you must resume all or part of your operationsas quickly as possible.

File with us, or with our authorized representative, sworn proof of loss within 90 daysafter the date of loss or damage.

Cooperate with us in the investigation, settlement or handling of any claim.

Authorize us to obtain records or reports necessary for our investigation.

At our request, give us complete inventories of the damaged and undamagedproperty. Include quantities, costs, values and amount of loss or damage claimed.

As often as may be reasonably required, permit us to inspect the damaged andundamaged property and examine your books and records.

Permit us to take samples of the damaged and undamaged property for inspection, testingand analysis, and permit us to make copies of your books and records.

Permit us to examine any insured under oath, outside the presence of any other insured atsuch times as may be reasonably required, about any matter relating to this insurance or theclaim, including an insured's books and records. In the event of an examination, aninsured's answers must be signed.

Form 80-02-1097 (Rev. 3-19)

Conditions

(continued)Joint Loss Agreement

Legal Action Against Us


requirements are met:

C.

The provisions of paragraph C. of this condition apply only if all of the following

Page 5 of 30

�

2.

requirements and procedures as contained in this condition;

Property/Business IncomeConditions And Definitions

B.

3.

the Boiler and Machinery insurance contains a provision with substantially the same

�

or damage occurred.

No legal action may be brought against us unless:

the action is brought within three years after the date on which the direct physical loss

6.

jurisdiction.

5.

agree, either may request that selection be made by a judge of a court having

4.

the other insurer. Then, the two arbitrators will select a third arbitrator. If they cannot

1.

the Boiler and Machinery insurer will pay, upon your written request, the entire

Machinery insurer will make payments as follows:If the requirements listed in Paragraph B. above are satisfied, we and the Boiler and

5. the named insured is the same under both policies.

4.

amount of loss or damage about which we and the other insurer disagree;

3. the total amount of the loss or damage is agreed upon by you, us and the other insurer;

2.

amount of loss or damage agreed upon as being covered solely by the Boiler and

1.

M achinery insurance and one-half (1/2) the amount of loss or damage about which we

there has been full compliance with all the terms of this insurance; and

have agreed upon as being covered solely by this insurance and one-half (1/2) the

and the other insurer disagree;

we will pay, upon your written request, the entire amount for loss or damage that we

the amount in disagreement to be paid by us under this condition shall not exceed theamount payable under the Loss Adjustment Condition of the Boiler and Machinery

that each should pay for the lost or damaged covered property; and

insurance;

the amount to be paid under this condition shall not exceed the amount we would havepaid had no Boiler and Machinery insurance been in effect at the time of loss or

we and the Boiler and Machinery insurer disagree as to the amount of loss or damage

damage;

acceptance by you of payments under this condition does not alter, waive or surrenderany of our rights under this policy; and

and the other insurer admit some liability for payment under the respective policies;

we and the other insurer agree to submit our differences to arbitration within 90 daysafter payment, and you agree to cooperate with any arbitration proceedings. There willbe three arbitrators: one will be appointed by us, and the second will be appointed by

jurisdiction. A decision agreed to by any two of the three arbitrators will be binding onus and the other insurer. Judgment on any award may be sought in any court having

the loss or damage to the covered property was caused by a peril for which both we

Form 80-02-1097 (Rev. 3-19)

Liberalization

(continued)

Lenders/Loss Payee

Property Insurance

Conditions

Contract

failure to do so; and

�

submits a signed, sworn proof of loss within 60 days after receiving notice from us of your

If we adopt any changes:

�

within 60 days prior to the effective date shown in the declarations; or

Page 6 of 30

Each Loss Payee's right to receive loss payment is limited to the lesser of the following:

considered duplicate or contributing insurance.Insurance shown in the Declarations or changing the terms of this insurance, nor are they to beno event are copies of policies sent to Loss Payees to be considered as increasing the Limits OfPayees, copies of policies or certified copies of policies may be sent to these Loss Payees. InTo satisfy the requirements of any Loss Payee shown in the Schedule of Mortgages and Loss

interest. In this event, you will pay your remaining debt to us.At our option, we may pay to any Loss Payee the whole principal on the debt plus any accrued

�

adjust losses with you; and

�

has notified us of any change in ownership, occupancy or substantial change in risk known

because you have failed to comply with the terms of this insurance, such Loss Payee�s rights:If we pay any Loss Payee for any loss or damage and deny payment to you because of your acts or

�

to such Loss Payee.

�

pays any premium due at our request if you have failed to do so;

� the actual cash value as described under Loss Payment Basis of the lost or damaged covered

�

property (other than a structure);

�

their financial interest in the covered property (other than a structure) as shown in the

if such Loss Payee:

�

written evidence; or

If any Loss Payee shown in the Schedule of Mortgagees and Loss Payees is a creditor whoseinterest in covered property (other than a structure) is established by a written instrument and both

� pay any claim for loss or damage jointly to you and to each such Loss Payee, in their order

you and such Loss Payee have an insurable interest in lost or damaged covered property (otherthan a structure), we will:

Each Loss Payee has the right to receive loss payment, even though:

�

the applicable Limit Of Insurance for covered property (other than a structure) shown in

�

will be transferred to us to the extent of the amount we pay; and

to recover the full amount of the Loss Payee's claim will not be impaired.

the Declarations.

of precedence, as interests may appear.

we denied your claim because you failed to comply with the terms of this insurance; or

such Loss Payee starts foreclosure or similar actions on the covered property (other thana structure),


Mortgage Holder �

Loss Payment

Buildings

(continued)Liberalization

Conditions

Contract

We will do this at our expense.

jointly to you and the mortgage holder shown in the

if such mortgage holder:

�

We may elect to defend you against suits arising from claims of owners of covered property.

�

We may adjust losses with the owners of lost or damaged covered property if other than you.

�

has notified us of any change in ownership, occupancy or substantial change in risk known to

�

We will not pay you more than your financial interest in the covered property.

Page 7 of 30

If we cancel this insurance, we will give written notice to the mortgage holder at least:

The mortgage holder must notify us of any change in ownership known to the mortgage holder.


If you fail to pay your premium, we may request it from your mortgage holder.

,

� failure to do so, and

holder. If we do, you will pay your remaining mortgage debt to us.

building

�

submits a signed, sworn proof of loss within 60 days after receiving notice from us of your

Failure to provide such notice shall not invalidate such cancellation.

Your mortgage holder has the right to receive loss payment, even though:

Schedule of Mortgagees and Loss Payees, as interests may appear.

We also have the right to take over your mortgage after making loss payment to the mortgage

will still have the right to receive the balance of the mortgage debt from you.insurance, you will have to pay us to the extent we pay the mortgage holder. Your mortgage holderIf we make loss payments to your mortgage holder when you fail to comply with the terms of this

We will pay for loss or damage to a

� such mortgage holder.

building

automatically receive the benefit of such change.

�

We will pay for covered loss or damage within 30 days after we receive the sworn proof

which could broaden this insurance without an additional premium charge, you will

A.

20 days before the effective date of cancellation if we cancel for your nonpayment of

B.

premium; or

D.

If we pay the owners, such payments will satisfy your claims against us for the owners'C.

during the policy period,

of loss, if you have complied with all of the terms of this insurance, and:

1. we have reached agreement with you on the amount of loss; or

2. an appraisal award has been made.

covered property. We will not pay the owners more than their financial interest in suchproperty.

60 days before the effective date of cancellation, if we cancel for any other reason.

you failed to comply with the terms of this insurance; or

your mortgage holder starts foreclosure or similar actions on the

pays any premium due at our request if you have failed to do so;

Form 80-02-1097 (Rev. 3-19)

Mortgage Holder �

Conditions

No Benefit To Carrier OrBailee

(continued)

Other Insurance

Buildings

Recovered Property


coinsurance or the

No person or organization, other than you, having custody of covered property will benefit from

�

third, to you for any deductible amount that you paid or penalties you paid as a result of

through subrogation, such recoveries shall be applied, net of the expense of such recovery, in the

�

first, to you for any uninsured loss or damage resulting from an insufficient limit of insurance;

for the repairs subject to the:

reporting condition of this insurance, if applicable.

When any recovered covered property which you choose to keep is in need of repair, we will pay

following order:

personal property

�

recovered property and return the loss payment to us; or

Page 8 of 30

�

as a result of subrogation,

�

in recovering any lost or damaged covered property; or

When covered property is recovered, you may keep the:

such salvage.If any covered property that is recovered has a salvage value, we shall control the disposition of

party making the recovery must give the other parties prompt notice.If any lost or damaged covered property is recovered by you or us, after a loss payment is made, the

this insurance.

by us, we shall bear the expenses of the proceedings.amount we are each reimbursed. If there should be no recovery and proceedings are conducted solelywe shall share the expense with you and any insurer providing excess insurance in proportion to the

�

Loss Payment Basis provision, Our Loss Payment Options.

�

applicable Limit Of Insurance shown in the Declarations; and

�

second, to us for any amounts paid in settlement of your clai m; and �

loss payment and we will keep the recovered property.

If there are expenses:

had the amount of recovery been known at the time the loss was originally determined.

If any covered property that is recovered has a salvage value or if there is any money recovered

We shall determine the amount of loss or damage on the basis on which it would have been settled

If you have any other insurance covering the same loss or damage as is insured against by thispolicy, we will only pay for the amount of loss or damage which is insured against by this policy

considered duplicate or contributing insurance.

in excess of the amount due from such other insurance, whether you can collect on such otherinsurance or not.

Of Insurance shown in the Declarations or changing the terms of this insurance, nor are they to beno event are copies of policies sent to mortgage holders to be considered as increasing the LimitsPayees, copies of policies or certified copies of policies may be sent to these mortgage holders. InTo satisfy the requirements of any mortgage holder shown in the Schedule of Mortgages and Loss

Form 80-02-1097 (Rev. 3-19)

Recovery To Us

Property Insurance

Generating EquipmentAlternative Power

Accounts Receivable

Accounts Receivable

Transfer Of Rights Of

Records

Definitions

(continued)Conditions

Contract

any other system that generates electricity from renewable resources.

Page 9 of 30

You may waive your rights against another party in writing:

Conditions And DefinitionsProperty/Business Income

If any person to or for whom we make payment under this insurance has rights to recover damagesfrom another, those rights are transferred to us to the extent of our payment. That person ororganization must do everything necessary to secure our rights and must do nothing after loss toimpair our rights.

, which is used in: means equipment that has been certified pursuant

When used with respect to insurance under this policy:

Accounts receivable

�

green standards

means:

means accounting records, including support records such as

�

low impact hydroelectric systems; or

�

geothermal energy systems;

invoices and accounting records in any form, used to control and document the collection of money

This will not restrict your insurance.

due from customers.

Accounts receivable records

Alternative power generating equipment

A. prior to direct physical loss or damage to covered property; or

B.

4.

someone insured by this insurance;

to

3.

an individual who owns or controls the majority of capital stock of your business;

�

1.

your tenant.

�

2.

a related business firm majority-owned or controlled by you, or that owns or

�

solar energy systems;

�

after direct physical loss or damage to covered property only if, at the time of direct

�

wind energy systems;

physical loss or damage, that party is one of the following:

interest charges on any loan that you secure to offset your reduced cash flow; and

the money due you that you are unable to collect from customers;

additional collection costs.

controls the majority of the capital stock of your business; or

Form 80-02-1097 (Rev. 3-19)

means equipment situated above or below ground which is used to

Building

does not include underground pipes or sprinkler heads intended

System

(continued)Definitions

Alternative Water

Blank Media

Bonus Payments

Building Components


additions to the structure under construction; and

solely for landscape irrigation.

; or

electronic data

Page 10 of 30

Alternative water system

premises shown in the Declarations.supply of a

means the blank medium upon which

collect and circulate gray water, ground water or rain water to the domestic, non-potable waterAlternative water system

Blank media itself.

your lease remaining at the time of direct physical loss or damage.

is recorded, but not

you prepaid the rent or security.

electronic data

does not mean rent, securities or cash bonuses refunded to you, even if

�

underground mines or mine shafts or any property within such underground mines or mine

� foundations or supports below the surface of the lowest floor or basement;

�

a structure;

or to water treatment facilities or outside irrigation facilities at the

�

any structure you do not own, occupy and are not legally or contractual y required to

Building

building

means:

�

outdoor trees, shrubs, plants or lawns

�

retaining walls;

�

shafts;

means that portion of any cash bonus you paid based on the percentage of

�

insure, except with respect to the Dependent Business Premises and Loss Of Utilities

� paved or concrete surfaces;

�

dikes; �

dams; �

land, water or air, either inside or outside of a structure;

� alterations and repairs to the structure.

� completed additions;

�

glass forming a part of a structure;

Building

Bonus payments

Bonus payments

Building components

building components

Additional Coverages.

does not mean:

means:

;

Form 80-02-1097 (Rev. 3-19)

through vehicular or railroad tunnels;

Building Components

Business Income

(continued)

Communication Property

Definitions



motor vehicles required to be licensed for highway use, except motor vehicles on which


in transit


building

Page 11 of 30

B.

machinery or equipment permanently installed in or on a structure; and

D.

be your obligations; andC.

property while underground, except while

A.

personal property

does not mean:

Communication property

�

your contractors' machinery or equipment is permanently mounted;

�

aircraft or watercraft;

�

personal property

you own or in your care, custody or control.

� temporary structures used for making additions or repairs to a structure;

you own, lease or borrow, and for which you are legally liable.

�

indoor or outdoor fixtures, whether above or below ground;

�

video or writing,

; �

other equipment used to interactively communicate with others through voice, picture,

�

personal property

Contractors� equipment

consisting of materials, machinery, equipment, supplies and

tools and spare parts for the contractors' machinery and equipment, usual to your business, whichContractors� equipment

used to maintain or service a structure or its premises.

�

analog, digital or fiber optic communication equipment; or

�

net profit or loss, including rental income from tenants and net sales value of production,

Business income

means contractors' machinery and equipment, including accessories,

Business income

�

premises shown in the Declarations occupied by you is untenable, not to exceed the fairthe cost you are required to pay to rent temporary premises when that portion of the

office equipment, which is the contents of trailers;

charges you incur which are the legal obligation of your tenant which would otherwise

that would have been earned or incurred before income taxes;

expenses;

means:

1.

payroll, 2.

operating; and

rental value of such untenable portion of the

your continuing normal:

does not mean bank interest or investment income.

means:

you occupy.

Form 80-02-1097 (Rev. 3-19)

Dependent Business

Covered Peril

Electronic Data


Premises

Electronic Data

(continued)

Definitions

Processing Equipment


property while waterborne or while being loaded or unloaded for waterborne transit, except

Forms, except Care, Custody Or Control Legal Liability, applicable to the lost or damaged

this policy applicable to

�

while

means a peril covered by the Building and Personal Property Contract included in

Electronic data processing equipment

; or

at a premises shown in the Declarations. covered peril

means a peril covered by the Form(s) shown in the Property Insurance Schedule Of

Electronic data

on-line access

or

; or

.

�

manufacture products for delivery to you or your customers under contract of

Page 12 of 30

�

service property


�


means:

For the purposes of:

on public ferries or car floats for hire;

;

property

accept utility services from you; or

Covered peril

means software, data or other information that is in electronic form.

�

personal property of a dependent business premises

�

electronic data processing property

�

property while on any platform anchored, permanently or temporarily, in any body of water; �


�

computers or computer peripherals;

A.

property while leased or loaned to others;

�

2.

deliver utility services to you; or

you on whom:

,

Dependent business premises

providers.

�

1.

in transit

�

premises of

depend to:

�

sale (manufacturing premises); or

B.

others,

Dependent business premises

� deliver materials or services to you or to others for your account (contributing premises);

�

you; or

accept your products or services (recipient premises);

attract customers to your business (leader premises).

premises operated by others on whom you or others depend to:

.

does not mean any:

means premises operated by a person or organization other than

Electronic Data

Extra Expense

Form 80-02-1097 (Rev. 3-19)

Processing EquipmentElectronic Data

Electronic Data

(continued)

Definitions

Processing Property

Recovery Costs



does not mean:

you own or use, or which resides on a

Electronic data processing property

, or to research or restore the lost information on damaged

�

programming

;

or

�

restore a system you own or lease to the functionality that existed prior to the

Page 13 of 30

Electronic data processing property

; and

which suffers direct physical loss or damage.

�

system you own or lease; and

means:

�

copy, re-create, replace or retrieve

, over and above the expenses you would have

�

mobile equipment


�

contractors� equipment

operations

;

�

property in the course of manufacture;

processing equipment

.


Electronic data recovery costs

.

electronic data

Electronic data recovery costs

�

climate control and protection equipment used solely for electronic data processing

�

property held for sale or distribution;

� operations;

.

.

, records and media, if such action will reduce any loss we would pay

� separately identifiable and removable component computer devices that are attached to

�

covered property and are designed to control such property, but not the property itself; and

�


�

blank media


Extra expense

B.

electronic data processing equipment

A.

property that has been sold;

Paragraph B. does not apply to Fungus Clean-up Or Removal Premises Coverage.

malicious

electronic data

to repair or replace any

; or

in an attempt to continue

does not include the cost to repair or replace

valuable papersunder this insurance.

normally incurred; and

property

means necessary expenses you incur:

means the reasonable and necessary costs you incur to:

electronic data

Form 80-02-1097 (Rev. 3-19)

or

of the

fungi;

by products of the

Fungus

Flood


Property Insurance

Fine Arts

Finished Stock

;

Green Expenses

Contract

hire professionals accredited pursuant to

-

Finished stock

group of any

spores, or other

green standards

or

state and ready for sale.

.

Finished stock

means necessary and incurred expenses to:

to participate in the repair

�

or replacement of the covered property;

�

tsunami resulting from earthquake.

� a

means any:

mold

�

paintings, rare books, sculptures, manuscripts, pictures, prints, etchings, drawings, tapestries,

Flood

specified peril

other body of water or watercourse, whether driven by wind or not.of natural or man-made lakes, reservoirs, ponds, brooks, rivers, streams, harbors, oceans, or any

�

bronzes, statuary, potteries, porcelains, marbles and other bona fide works of art; or

Fine arts

mildew,

that ensues from flood; or

completed state and ready for sale on the premises of any retail outlet.

green standards

�

rising or overflowing or breaking of any boundary,

Flood

means:

microorganisms; or

A.

other items of rarity or historical value.

B.

waves, tidal water or tidal waves; or

Green expenses

mycotoxins,

other

foregoing.

�

register and certify the repair or replaced covered property pursuant to

Page 14 of 30

�

ventilate the repaired or replaced covered property in a manner consistent with

�

green standards�

3. any

Fungus

other

colony or

1.

does not include goods manufactured by you or on your behalf which are in their

debris can be recycled; anddispose of debris, certified pursuant to green standards, at recycling facilities, if such

2.

means goods manufactured by you or on your behalf which are in their completed

does not include:

means:

foregoing;

Form 80-02-1097 (Rev. 3-19)

United States Green Building Council;

Insider

Rating System of the Green Building

(continued)

Green Standards

Definitions

In Transit


and other environmental quality standards for the design and construction of property.


TMof the

Green standards

R

of the Green Globes

System

And


In transit

Star

Green Building Rating

Assessment

�

system

LEEDR

means:

and ending:

also includes the period of time during which:

Page 15 of 30

�

destination, if shipped in or on any other conveyance;

�

when the property is actually moved from the point of shipment bound for a specified

�

other site development, water savings, energy efficiency, materials or equipment selection

�

the property is transferred into your care, custody or control; or

A.

Initiative;

qualified requirements; or

�

when the property is accepted by, or on behalf of, the consignee at the intended destination;

The expiration date of this policy will not cut short the duration of transit.

�

Energy

a

requirements

operate.

means a person, organization or computer you have expressly authorized to access

�

when, if shipped from premises of others in or on conveyances you own, lease or operate,

Insider .

includes ordinary, reasonable, and necessary stops, interrupti ons, delays, or transfers

�

the custody of a carrier for hire and which is being held at a location other than the intended

In transit

In transit

�

hire, its agent, or its driver.

R

�

when the property is accepted by, or on behalf of, the consignee at any intermediate

�

the contract of carriage is, without your knowledge, abandoned en route by a carrier for

�

destination by such carrier's �on-hand� department for a period not to exceed 30 days; or

incidental to the route and method of shipment, but not while at premises you own, lease or

the property departs your premises;

when, if shipped to your premises in or on conveyances you own, lease or operate,the property arrives at your premises.

when, if shipped from your premises in or on conveyances you own, lease or operate,

hire; or

point short of reaching the original intended destination;

at such point where you, or the owner of the property if other than you, order the property

there is a substantial and unauthorized deviation from the normal route by a carrier for

the

means being shipped by air, surface or waterborne conveyance from the time beginning:

stopped and held pending instructions. However, this does not apply to property while in

property shipped by mail, unless shipped by registered mail;

In transit

does not mean:

Form 80-02-1097 (Rev. 3-19)

Malicious Programming

Property Insurance

System Or ApparatusMechanical Or Electrical

Market Value

In Transit(continued)

Definitions

Contract

electronic data system


or a

A.

mechanical or electrical power; and

means any:

electronic data

Page 16 of 30

Mechanical or electrical system or apparatus

might be expected to realize if offered for sale

�

mechanical or electrical machine or apparatus used to generate, transmit or otherwise use�

manipulate;

or

does not mean:

does not mean any:

or

�

boiler, fired pressure vessel, unfired pressure vessel normally subject to vacuum or internal

�

pressure other than the weight of its contents;�

refrigeration vessels;

.

.

Mechanical or electrical system or apparatus

�

part of a boiler or fired vessel or electric steam generator that does not contain steam or water;

Malicious programming

�

property owned by others when you are acting as a carrier for hire.

�

whichever occurs first; or

fine arts

�

2. ocean marine insurance has begun to cover such property,

B.

1. loaded on board any steamer or other watercraft; or

C. export shipments once:

�

insurance has ceased to cover such property;

D.

import shipments, within the Coverage Territory, until such time as ocean marine

�


�

direct physical loss or damage to �

theft of telephone services; or

�

prevent the use of,

means an illegal or malicious entry into

�

slow down; or

system

means the price which the Market value

Malicious programming

in a fair market on the date of loss or damage.

such

destroy;

delete;

copy;

air conditioning vessels;

corrupt;

piping, cable and accessory equipment connected to any of the foregoing.

distort;

which results in functions that:

Form 80-02-1097 (Rev. 3-19)

or apparatus;

other than:

Merchandise

or apparatus;item that is part of or used with any

Property

Mechanical Or Electrical


System Or Apparatus(continued)

Definitions


vessel, equipment, machine or apparatus manufactured by you for sale;

Page 17 of 30

N.

power shovel, dragline or excavation vehicle (whether or not licensed for road use);

�

aircraft;

system piping or water

expendable

�

floating vessel or structure;

means:

�

manufactured by you and ready for sale on the premises of any retail outlet.

vessel,

When a vessel uses a heat transfer medium other than water or steam, we will consider the

K.

penstock, draft tube or well casings;

�

held for sale by you; or

other

piping


Merchandise

machine


Mobile communication property

�

crane booms and cables, but not excluding any driving mechanical or electrical system

medium used and its vapor as substitutes for the words �water� or �steam�.

�

or apparatus; or

or any

B.

cylinder not sealed in PVC (polyvinyl chloride) protection, containing a movable plunger

C.

or piston, mounted on or forming a part of an elevator or hoist.

D.

laptop computers;

E.

equipment,

machine

F.

personal digital assistants;

G.

pagers;

plate,

H.

insulating or refractory material;

L.

non-metallic vessels, unless constructed in accordance with the American Society

I.

of Mechanical Engineers;

Q.

glass linings of vessels, equipment, machines and apparatus;

J.

catalyst;

P.

piping, vessels or cables, not enclosed in conduit, buried directly in the ground;

O.

sewer piping;

M.

die, extrusion

cellular telephone;

equipment,

3.

feedwater piping between any steam boiler and its feed pumps or injectors;

2.

water piping interconnecting vessels forming part of a refrigeration or air

1.

conditioning system used for cooling, humidifying or space heating;

structure, foundation, cabinet or compartment containing or supporting any vessel,

sprinkler

steam boiler condensate return piping; and

means goods:

Form 80-02-1097 (Rev. 3-19)

through vehicular or railroad tunnels;

(continued)Property

Money

Definitions


Mobile Equipment


communication devices or parts in the course of manufacture;

Page 18 of 30

�

communication devices or parts that have been sold;

�

communication devices or parts held for sale or distribution;

�

food stamps;

in transit

; or

; or

;

in transit

�

property while waterborne or while being loaded or unloaded for waterborne transit,

�

mobile equipment

;

�

mobile hand held global positioning systems; and

Mobile equipment

;

.

�

motor vehicles required to be licensed for highway use, except motor vehicles on which

Mobile equipment

Mobile communication property

.

�

your machinery or equipment is permanently mounted;

�

except while

means machinery and equipment, including accessories, tools and spare parts

�


;

does not mean:

�


�

electronic data

�

electronic data processing equipment

�

currency, coins, bank notes or bullion;

�

travelers checks, registered checks and money orders, held for sale to the public.

�

other hand held communication devices.

Money

does not mean:

�


�

aircraft or watercraft;

on public ferries or car floats for hire;

�

property while on any platform anchored, permanently or temporarily, in any body of water;

for the machinery and equipment, usual to your business which you own, lease or borrow, andfor which you are legally liable.

�

property while leased or loaned to others;

�

personal property

�

office equipment, which is the contents of trailers;

�


�

checks or drafts drawn on any account; or

property while underground, except while

means:


Off Premises

Non-Owned Detached

Occurrence

Trailers


Contract

accidentally unhitched from a motor vehicle or motorized conveyance.

Page 19 of 30


that ensues from earthquake; and


�

trailers during hitching or unhitching operations, or when trailers become

�

2.

means:Occurrence

the loss or damage.

specified peril

A.

1.

b.

contribute concurrently to; or

Non-owned detached trailers

B.

for earthquake, including any resulting tsunami:

C.

2.

a.

contribute in any sequence to,

Off premises

�

1.

a series of earthquake shocks occurring within any period of 168 hours;

�

for windstorm involving, in whole or in part, any of the perils of weather:

D.

2.

one earthquake; or

�

1.

one event; or

Non-owned detached trailers

For the purposes of this definition:

�

for volcanic eruption:

does not mean:

�

2.

one volcanic eruption; or

�

1.

a series of volcanic eruptions occurring within any period of 168 hours;

for all other perils:

earthquake does not include a

motor vehicle or motorized conveyance is in motion; ortrailers attached to any motor vehicle or motorized conveyance, whether or not the

are in your care, custody or control.

are used in your business; and

in the custody of an armored motor vehicle company; or

in the possession of any person authorized by you, but not while in the mail or in thecustody of a carrier for hire other than an armored motor vehicle company.

any earthquake or volcanic eruption, or series of earthquake shocks or volcanic eruptions,will be deemed to occur at the time of the first shock or eruption.

one weather event; or

a series of related weather events; or

a series of causally related events that:

means:

means trailers that you do not own that:

Form 80-02-1097 (Rev. 3-19)

, begins 24 consecutive hours after the

at a premises operated by

Transmission Or

Plants Or LawnsOutdoor Trees, Shrubs,

On-Line Access

On Premises

Overhead

Outsider

Operations

occurs.


Communication,

Distribution Equipment

Period Of Recovery OfComputer Service


malicious programming

does not mean:

�

for

means a person, organization or computer not authorized to access a .

Outdoor trees, shrubs, plants or lawns

means the period of time that:

; or

system

Page 20 of 30

the premises shown in the Declarations.means outdoor trees, shrubs, plants or lawns you own onOutdoor trees, shrubs, plants or lawns

and


�

that would have existed had there been no

electronic data

means:

Outsider

means your business activities occurring at your premises, including your activities as

and all their supporting towers and poles.

will continue until the earlier of the following:

�

the date your

�

for

means:

�

outdoor trees, shrubs, plants or lawns that you hold for sale; or

Overhead communication, transmission or distribution equipment

�

other similar overhead communication, transmission or distribution equipment,

�

overhead transformers; or

extra expense


Period of recovery of computer service

�

overhead communication, transmission or distribution lines;

�

growing crops.

�

making information available to third parties,

�

in a bank; or

operations

occurs; and

On premises

does not mean processing or storing a person or organization other than you.On-line access

Operations

means:

Period of recovery of computer service

a lessor of premises, prior to the loss or damage.

On-line access

via computer or other electronic system.

�

on the premises shown in the Declarations;

�

in a recognized place of safe deposit.

accessing information made available by third parties; or

electronic data recovery costs

business income

are restored, with due diligence and dispatch, to the condition

, begins immediately after the

Form 80-02-1097 (Rev. 3-19)

property

; or

parts

operations


Period Of Recovery Of

property

to

of

the direct physical loss or d

;

Computer Service

are restored, with reasonable speed, to


:

;

Property Insurance

peril

(continued)

Definitions

Contract

the functionality that existed prior to the

buildings

property

amage,

by a


covered peril

not damaged

any

to

Page 21 of 30


of any property

property

system

enforceable

�

60 days after the date you restore, with due diligence and dispatch, a

of

operations

If loss or damage occurs at a:

would have begun if the direct physical loss or damage had not

The expiration date of this policy will not cut short the

property

stand

.

.

covered

Period of restoration

will continue until your


, begins:

.

to

B.

�

or

in

buildings

to the date

comply with the minimum

the level which would generate the

; or

of

that would have existed had there been no

property


the

physical loss or damage occurred, including the time required to:

is actually repaired or replaced

A.

beginning on the date that:

replacement of any


the time of direct physical loss or damage by a

amount that would have existed if no direct


repair or

business income

business income

.

�

not to exceed the applicable number of days shown as Extended Period in the Declarations,

B.

�

or

replace the

In determining the condition of

down

extra expense

covered peril


prior

operations

; or

to

;

, begins immediately after

A.

occurred, when loss or damage to any of the following delays the start of

competiti ve advantage gained by others as a result of such

on the date

law that:

consisting of materials, machinery, equipment, supplies and

or

for manufacturing risks, the lost or damaged

immediately after the time of direct physical loss or damage by a

ards


3.

physical loss or damage occurred; or

ordinance or

the tearing

repair

and production capability is restored to the level that existed prior to the date the direct

3.

for all other risks, the lost or damaged property is actually repaired or replaced and

repair

your operations are restored.

1.

new

force

, no consideration will be given to unfavorable market conditions or

2.

alterations or additions to existing 2.

and

operations

1.

is

replace

or repairs to, the structure.temporary structures used in the construction of, or for making additions, alterationspersonal property

requires

theregulates

means the period of time that, for

means the period of time that, for

whether complete or under construction;

(continued)

Form 80-02-1097 (Rev. 3-19)

and an

Personal Property

;


Property Insurance

Definitions

Contract

excluded peril, the

�

provided under the Fungus Clean-up Or Removal Premises Coverage or the Pollutant Clean-up

law:

or neutralize, or in any way respond to, or assess the effects of or

covered peril


tenant's improvements and betterments

personal property of others

damaged

buildings

period of restoration covered peril

and glass in

; and

Page 22 of 30

conditions attributable to the impact the

;

only includes the length of time required to repair or

Personal property

does not mean:

amount that would have existed if no direct physical loss or

�

that requires any insured or others to test for, monitor, clean up, remove, contain, treat, detoxify

damage occurred, we will reduce such amount to the extent necessary to reflect unfavorable economic

� all your business personal property;

following such loss or damage,

you do

In determining the

is located.

;

;


pollutants

� business personal property you lease;

had in the geographic area where the lost or

�

personal property of others

; or

�

labor, materials and services furnished or arranged by you on

fungus

buildings

, except as

�

replace the property lost or damaged by a

�

signs, fixtures, glass and other

covered peril

�

glass in

, except

you do not own if you are legally or contractually required to maintain

includes:

property

means:

�

such glass.

business income

�

Or Removal Additional Coverage.

�

peril. If direct physical loss or damage is caused by or results from both a

propertyfor the purpose of determining

�

that regulates the repair or replacement of any property that was lost or damaged by an excluded

�

you were required to comply with before the direct physical loss or damage;

�

utility,

does not include any increased period required to comply with any ordinance or

�


�

trailers;

Personal property

�


�

retaining walls; �

building

� land, water or air, either inside or outside of a structure;

growing crops;

vehicles or machines required to be licensed for use on public roads;

not own if you are legally or contractually required to maintain such glass;

personal property of a dependent business premises

; or


involving any property outside the legal boundary of the premises shown in the Declarations;


.

Form 80-02-1097 (Rev. 3-19)

;

;

.

;

does not mean:

Page 23 of 30Property Insurance

;

. means business personal property owned or

Dependent BusinessPersonal Property Of A

Personal Property

Premises

(continued)

Definitions

Contract

held for sale;

;

�

animals, except animals owned by others and boarded by you or animals owned by you and

�

come under the protection of cargo insurance;

�

export shipments after either being loaded on aircraft or oceangoing vessel or having

�

self-propelled watercraft, or any other watercraft over 50 feet in length, in water;

�

building

securities

�


Personal property of a dependent business premises

leased by a

or

securities

�

retaining walls;

Personal property of a dependent business premises

�



�

animals;

;

� deferred payment plan after delivery to customers;

�

personal property sold under a conditional sale or trust agreement or an installment or

�


�

money

or

�

trailers;

;


�

ground;

�


�

electronic data

�

growing crops;

�

aircraft, except aircraft manufactured, processed, warehoused or held for sale while on the

�


�

any personal property which is in or below underground mines or mine shafts; or

�

import shipments prior to either discharge from aircraft or oceangoing vessel or

�

Deferred Payments Additional Coverage;

�

deferred payment plan after delivery to customers, except as provided under thepersonal property sold under a conditional sale or trust agreement or an installment or

electronic data

aircraft, except aircraft manufactured, processed, warehoused or held for sale while onthe ground;

money

termination of the risk assumed by cargo insurance;



Form 80-02-1097 (Rev. 3-19)

;

means personal property not owned by you and in your care,

Personal Property Of A

Others

Dependent Business

Employees

(continued)


Definitions


Premises


the protection of cargo insurance;

.

;

�

export shipments after either being loaded on aircraft or oceangoing vessel or having come under

Personal property of employees

.

�

trailers;

;

securities

�

animals, except animals owned by your employee and boarded by you;

Page 24 of 30

in your care, custody or control.

does not mean:

�

retaining walls;

�

mobile communication property�


means personal property owned or leased by your employees and

�


Personal property of employees

.

�


�

aircraft, except aircraft manufactured, processed, warehoused or held for sale while on the

�

ground;

;

�

any personal property which is in or below underground mines or mine shafts; or �


�

personal property sold under a conditional sale or trust agreement or an installment or

�

deferred payment plan after delivery to customers;

�

electronic data

�

import shipments prior to either discharge from aircra ft or oceangoing vessel or termination of

�


�

the risk assumed by cargo insurance;

�

building

�

growing crops;

�


custody or control.

Personal property of others

;

�


Personal property of others

money

business personal property you lease; or

personal property of employees

or

does not mean:

Form 80-02-1097 (Rev. 3-19)

;

does not mean:

Pollutants

Utility

Property


Personal Property Of A

Prepaid Rent


building

securities

Pollutants

means that portion of any prepaid rent you paid based on the percentage of your

�

personal property of employees

.

;

;

Personal property of a utility

;

.

;

Personal property of a utility

Pollutants

does not mean the customary rent due at the beginning of any rental period.


recycled, reconditioned or reclaimed.vapor, soot, fibers, fumes, acids, alkalis, chemicals and waste. Waste includes materials to be

�

electronic data processing property�

valuable papers

;

�

personal property

fungus

Property

means any solid, liquid, gaseous or thermal irritant or contaminant, including smoke,

�

building;

;

�


Page 25 of 30

�


�


�

animals;

;

�

or deferred payment plan after delivery to customers;

�

personal property sold under a conditional sale or trust agreement or an installment

�

money

;

�

electronic data

Prepaid rent

or

�

aircraft;

�


�


�

trailers;

�


�

growing crops;

lease remaining at the time of direct physical loss or damage.

Prepaid rent

�

retaining walls;

�


means:

does not mean

means personal property owned or leased by a utility.

Form 80-02-1097 (Rev. 3-19)

Raw Stock

Prototypes

Rental Income

(continued)Property

.

Research And

Definitions

Development Income


fine arts

does not mean bank interest or investment income.

; less

finished stock

�

days of the execution of such amendments; and

provided you:

; or


Page 26 of 30

�

research and development property


� days of their execution;

means:

building

,

�

report the value of any agreements executed after the inception of this policy to us within 90

�

agreements to further

.

Research and development income

�

report the value of such agreements to us by the inception of this policy;

Except as provided under the Newly Acquired Research And Development Income PremisesCoverage, insurance for agreements executed after the inception of this policy will begin on the dateyou report the values for such agreements to us.

�

incur, due to the actual impairment of such

Prototypes

means:

Raw stock

mean a first or original model of a new type of design.

�

grants, endowments and other financial contributions made to you pursuant to written

B.

report any amendments to such agreements that change the value of such agreements within 90

A.

expenses, including any research and development payroll expense, that you do not continue to

C.

rental value of such untenable portion of the

Rental income

D. premises shown in the Declarations occupied by you is untenable, not to exceed the fair

Rental income

the cost you are required to pay to rent temporary premises when that portion of the

be your obligations; andcharges you incur which are the legal obligation of your tenant(s) which would otherwise

the Declarations;expenses that you incur solely from tenant occupancy of the premises shown in

2. payroll,

1. operating; and

your continuing normal:

the rental income from tenant occupancy of the premises shown in the Declarations;net profit or loss that would have been earned or incurred, before income taxes, from

continue your

means material in the state in which you receive it for conversion into


you occupy.

.

Form 80-02-1097 (Rev. 3-19)

;

.

does not mean:

Security Software

Robbery Of Money Or

Development PropertyResearch And

Development Operations

or

Research And

Securities

Securities



money securities

which are directly related to the development of new products or enhancement of existing products.Research and development operations


,

�

written, printed or inscribed documents, plans, records or formulas;

securities

Page 27 of 30

�

processes or cultures and resulting products, samples or other materials produced by such

�


means your business activities occurring at your premises,

�

processes or cultures; and

means the unlawful taking of

money

securities

money

�

prototypes

means software or other computer applicatio ns or programming

from:

Research and development property

.


.if produced and directly associated with your

�

all negotiable and nonnegotiable instruments or contracts that represent either

�

other property held by you in any capacity;

�

revenue and other stamps in current use, tokens or tickets; and

or

.

Research and development property


�

goods you have manufactured which are in their completed state and ready for sale; or

�

property held for sale or held for delivery after sale;

�

you;

or

,

money

means:

�

property of others that you hold as a pledge or as collateral for a loan.

� your partner;

by violence, threat of violence or any other overt felonious act committed in the presence andwith cognizance of any such person.

Robbery of money or securities

Securities

�

your employee; or

�

any other person authorized by you to have custody of the or

Securities

principally designed to detect, prevent or mitigate Security software

animals;

does not mean

means:

money

Form 80-02-1097 (Rev. 3-19)

Stock

(continued)

Service Property

Definitions

Sinkhole Collapse

Specified Peril


fire;

means:

;

�

mine subsidence;

power, natural gas or sewage treatment service.or off the premises shown in the Declarations, to supply such premises with water, communication,Service property

does not mean:

building

�

finished stock

;

�

the sinking or collapse of land into man-made cavities.

Page 28 of 30

Sinkhole collapse

,

created by the action of water on limestone or dolomite.Sinkhole collapse

; or

�

the cost of filling land; or

, owned or leased by you and used either on

�

windstorm or hail.

�

volcanic action; or

�

vehicles;

;

means property outside of a

Stock

means the sudden sinking or collapse of land into underground empty spaces

� smoke;

� goods held in storage or for sale;

� sinkhole collapse

�

stock in process

�

lightning;

�

leakage from fire protection equipment;

�

explosion;

�

aircraft or self-propelled missiles;

�

riot or civil commotion;

�

raw stock

�

means:

�

vandalism;

�

merchandise

Specified peril

including supplies used in their packing or shipping.



And BettermentsTenant�s Improvements

Sublease Profit

Stock In Process

System


Contract

foundations or supports below the surface of the lowest floor or basement;

Page 29 of 30

� made a part of a

means:

you occupy but do not own; and

building

�

actual rent due for the unexpired term of the canceled lease and the appraised rental value of

�

utilized by you pursuant to a written contract.

finished stock

or portion of the

�

growing crops.

building

that has undergone any aging, seasoning, mechanical or

and facilities are:

means

and communication facilities which are connected to such computer, provided such computerSystem

that you rent for the unexpired term of the canceled lease or sublease, whichever

�


Tenants� lease interest

raw stock

means fixtures, alterations, installations or additions:

�

retaining walls;

�

the difference between the appraised rental value of the leased premises at the time of direct�


.

�

same period, discounted by the prime rate of interest at the time of direct physical loss or


; or

Tenant�s improvements and betterments

� you acquire or make at your expense but cannot legally remove.

�

damage, for the unexpired term of the canceled lease; or

Tenant�s improvements and betterments

�

interest at the time of direct physical loss or damage for the unexpired term of the canceled

�

due under the new lease for that same time period, not to exceed the difference between the

Stock in process

direct physical loss or damage for the unexpired term of the canceled lease or sublease.would expire first. This amount is discounted based on the prime rate of interest at the time ofbuilding

means the net profit you earn through subleasing the Sublease profit

other process of manufact ure but which has not become


lease.

the difference between the rent due for the unexpired term of the canceled lease and the rent

physical loss or damage for the unexpired term of the lease and the actual rent due for the

paved or concrete surfaces;

does not mean:

the leased premises for that same period. This difference is discounted by the prime rate of

leased and operated by you; or

owned and operated by you;

means a computer and all input, output, processing, storage, off-line media library,

Form 80-02-1097 (Rev. 3-19)

.


Property Insurance

Valuable Papers

Water

Unamortized


Contract

seeps or leaks through basements, foundations, roofs, walls, floors or ceilings of any building or

�

escapes from processing equipment, plumbing systems, refrigeration systems, cooling systems� or heating systems (other than underground storage tanks, underground piping or underground

�

plumbing systems, refrigeration systems, cooling systems or heating systems;

electronic

�

tubing) provided such water is intended to be contained in such processing equipment,

Water

itself.

;

were made to the date that your lease expires.

electronic data

Page 30 of 30

divided by the period of time from the date the Unamortized

securities�

other structure; or

�

money

means the period of time remaining in your lease at the time of loss or damage

�

prepackaged software programs; or

Valuable papers

�

electronic data

�

data

or

does not mean:

� papers, documents, records, negatives, tapes, transparencies;

, but not the

Valuable papers

original plans, blueprints, specifications or designs; and

backs up or overflows through sewers, drains or sump;

original source material used to enter or program

enters doors, windows or other openings in any building or other structure.

means water that:

means valuable:

PROPERTY

ENDORSEMENTS


Endorsements

Form 80-02-1899 (Ed. 4-94) Endorsements


JANUARY 6, 2020



3605-43-62 LIO

JANUARY 1, 2020

PROPERTY/BUSINESS INCOME CONDITIONS & DEFINITIONS

Form 80-02-1781 (Rev. 5-15)

to the following

pay

anus, and after notice

This Endorsement applies

the

value

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Coverage

Property Insurance

Endorsement







EEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEE

This Endorsement applies to the following forms:

PROPERTY/BUSINESS INCOME CONDITIONS & DEFINITIONSBUSINESS INCOME WITH EXTRA EXPENSE


Authorized Representative UVWX


A new section called Special Waiting Period Provision is added to the contracts shown above.

Special WaitingPeriod Provision

Wherever used within any property contract or property endorsement contained in this policy, thephrase "normal business hours" is deleted and replaced with "consecutive hours".

Property Insurance Special Waiting Period Provision Added

Form 80-02-5355 (Ed. 1-15) Endorsement Page 1

last page

Property Insurance

Endorsement









BUILDING AND PERSONAL PROPERTYPROPERTY/BUSINESS INCOME CONDITIONS & DEFINITIONSBUSINESS INCOME WITH EXTRA EXPENSEEXTRA EXPENSEIMPAIRMENT OF COMPUTER SERVICES-MALICIOUS PROGRAMMING


Under Limits Of Insurance, and only with respect to the forms shown above, the following is added:

Limits Of Insurance

Loss Limit Of Insurance Subject to the applicable Limits Of Insurance shown in the Declarations, the most we will pay:

� at all premises; and

� under all Coverages, Premises Coverages, Additional Coverages and Debris RemovalCoverage, contained in the forms shown above,

for all loss or damage caused by or resulting from an occurrence is the Loss Limit Of Insuranceshown in the Declarations.


Under Conditions, the following is added:

Conditions

Excess Insurance You may have excess insurance, which is insurance over and above the Limits Of Insurance of thispolicy, without affecting coverage provided by this policy.


Property Insurance Limits Of Insurance - Loss Limit Of Insurance

Form 80-02-1634 (Rev. 7-03) Endorsement Page 1

continued

Property Endorsement(continued)

Under Conditions, Other Insurance and Recovered Property are deleted and replaced with thefollowing:

Conditions

Other Insurance If you have any other insurance (other than excess insurance as described in the Excess InsuranceCondition) covering the same loss or damage as is insured against by this policy, we will only payfor the amount of loss or damage which is insured against by this policy in excess of the amount duefrom such other insurance, whether you can collect on such other insurance or not.

BBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBB

Recovered Property If any lost or damaged covered property is recovered by you, us or any insurer providing excessinsurance after a loss payment is made, the party making the recovery must give the other partiesprompt notice.

If any recovered property has a salvage value, we shall control the disposition of such salvage.

When covered property is recovered, you may keep the:

� recovered property and return the loss payment to us; or

� loss payment and we will keep the recovered property.

When any recovered covered property which you choose to keep is in need of repair, we will pay forthe repairs subject to the:

� applicable Limit Of Insurance shown in the Declarations; and

� Loss Payment Basis provision, Our Loss Payment Options.

If any recovered property has a salvage value or if there is any money recovered through subrogation,such recoveries shall be applied, net of the expense of such recovery, in the following order:

� first, to you for any uninsured loss or damage resulting from an insufficient limit of insurance;

� second, to any insurer providing excess insurance;

� third, to us for any amounts paid in settlement of your claim; and

� fourth, to you for any deductible amount that you paid or penalties you paid as a result ofCoinsurance or the personal property reporting condition of this insurance, if applicable.

We shall determine the amount of loss or damage on the basis on which it would have been settledhad the amount of recovery been known at the time the loss was originally determined.

If there are expenses:

� in recovering any lost or damaged covered property; or

� as a result of subrogation,



continued

Property Insurance

Endorsement





Authorized Representative UVWX

we shall share the expense with you and any insurer providing excess insurance in proportion to theamount we are each reimbursed. If there should be no recovery and proceedings are conducted solelyby us, we shall bear the expenses of the proceedings.



last page

Property Insurance

Endorsement









BUILDING AND PERSONAL PROPERTYBUSINESS INCOME WITH EXTRA EXPENSEEXTRA EXPENSEPROPERTY/BUSINESS INCOME CONDITIONS & DEFINITIONSIMPAIRMENT OF COMPUTER SERVICES-MALICIOUS PROGRAMMING


A new section titled Terrorism Provisions is added to the end of this contract.Terrorism Provisions

Certified Act OfTerrorism Exclusion

This insurance does not apply to loss or damage caused directly or indirectly by a certified act ofterrorism, regardless of any other cause or event that contributes:

� concurrently; or

� in any sequence,

to the loss or damage.

This Certified Act Of Terrorism exclusion does not apply to ensuing loss or damage caused by orresulting from fire. This exception for fire applies:

� only to direct physical loss or damage by fire to building or personal property. Therefore,for example, the exception does not apply to insurance provided under business incomeand/or extra expense or endorsements which apply to these forms, or to the Care, CustodyOr Control Legal Liability or Leasehold Interest contracts; and

� if the fire would be covered under this insurance and there is a law in effect in the jurisdictionwhere the loss or damage occurs that expressly prohibits us from excluding such ensuing lossor damage.


Property Insurance Exclusion Of Certified Acts Of Terrorism/Exception For Certain Fire Losses


Includes copyrighted material of Insurance Services Office, Inc. with its permission.

continued


Application Of OtherExclusions

The terms and limitations of any terrorism exclusion or sublimit, or the inapplicability or omissionof a terrorism exclusion or sublimit, do not serve to create coverage for any loss which wouldotherwise be excluded or sublimited under this policy, such as losses excluded by the NuclearHazard exclusion or the War And Military Action exclusion.


Ordinance Or Law LossPayment Basis

The Ordinance Or Law Loss Payment Basis provision does not apply to loss or damage caused byor resulting from fire which ensues from a certified act of terrorism.


Ensuing Fire LossPayment Basis Exception

Building or personal property which suffers direct physical loss or damage caused by or resultingfrom fire which ensues from a certified act of terrorism is valued on an actual cash value basis,subject to all other exceptions described under Loss Payment Basis Exceptions.


Cap On Ensuing FireResulting From CertifiedTerrorism Losses

If:

� aggregate insured losses attributable to one or more certified acts of terrorism under theterrorism law exceed $100 billion in a calendar year; and

� we have met our insurer deductible under the terrorism law,

we will not be liable for the payment of any portion of the amount of such losses that exceeds $100billion, and in such case insured losses up to that amount are subject to pro rata allocation inaccordance with procedures established by the Secretary of the Treasury.


A new section titled Terrorism Definitions is added.Terrorism Definitions

Certified Act Of Terrorism Certified act of terrorism means any act that is certified by the Secretary of the Treasury of theUnited States to be an act:

A. of terrorism, a violent act or an act that is dangerous to human life, property or infrastructure;and

B. that results in damage:

1. within the United States; or

2. outside of the United States in the case of:

a. an air carrier or vessel as described in the terrorism law; or

b. the premises of a mission of the United States of America,

which was committed by an individual or individuals as part of an effort to:

� coerce the civilian population; or




continued

Property Insurance

Endorsement





ABCDEFAuthorized Representative

� influence the policy or affect the conduct of the Government,

of the United States.

Certified act of terrorism does not include an act that:

� is committed as part of the course of a war declared by the Congress of the United States; or

� does not result in property and casualty insurance losses that exceed $5 million in theaggregate and are attributable to all types of insurance subject to the terrorism law.


State State means any state of the United States of America, the District of Columbia, the Commonwealthof Puerto Rico, the Commonwealth of the Northern Mariana Islands, American Samoa, Guam, eachof the United States Virgin Islands, and any territory or possession of the United States of America.


Terrorism Law Terrorism law means the Terrorism Risk Insurance Act of 2002 as amended.


United States United States means:

� a state; and

� the territorial sea and the continental shelf of the United States of America, as described in theterrorism law.




last page



JANUARY 6, 2020

3605-43-62 LIO


JANUARY 1, 2020

BUILDING AND PERSONAL PROPERTY PROPERTY/BUSINESS INCOME CONDITIONS & DEFINITIONS

$ 50,000

Form 80-02-5407 (Ed. 3-19)

to the following

direct physical loss; and

following

This Endorsement applies

In Transit shown in the Schedule above.

Limit Of Insurance:

usage,

or resulting from a peril


Goods In Transit

Property InsuranceEndorsement

ay for

excludedor

Limit Of

to goods

added:

and

Ocean Cargo Coverage Added

SCHEDULE

salvage charges

caused by

to the York

Endorsement

contributions andStat

for Goods

Name of Company

applicable United

is

in transit

payable according -

Property Insurance

,

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laws

not

We

to exceed

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applicable

damage

es

Page 1

Policy Number

where

Policy Period

average

Effective Date

:

Coverages, the

�

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the

Under

Rules,

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� general

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Antwerp

continued

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to

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goods

, or

Any

Place (FCA), & Cost Of

origin and

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destination,

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Free On Board (FOB),

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80-02-1361 (Rev. 3-19) Endorsement 1

Property Insurance

Form Page


3605-43-62 LIO

JANUARY 1, 2020


JANUARY 6, 2020



Name of Company

Endorsement

Policy Period

Effective Date

Policy Number

Property Insurance

Date Issued

Insured

BUILDING AND PERSONAL PROPERTY BUSINESS INCOME WITH EXTRA EXPENSE EXTRA EXPENSE PROPERTY/BUSINESS INCOME CONDITIONS & DEFINITIONS

Policy Annual Aggregate Limit Of Insurance: $ 1,000,000

SCHEDULE

Premises Limits, Deductible or Waiting Period: Premises Annual Aggregate Limit Of Insurance: $ 1,000,000Per Occurrence Limit Of Insurance: $ 1,000,000Property Damage Dollar Deductible: $ 100,000Waiting Period: 24 HOURS

4145 E 21ST ST TULSA, OKLAHOMA 74114 COUNTY OF TULSA

Premises:


Premises:


Premises:

1701 S LOUISVILLE AVE TULSA, OKLAHOMA 74112 COUNTY OF TULSA

Premises:


80-02-1361 (Rev. 3-19) Endorsement 2

Property Insurance

Form Page


4705A E 21ST ST TULSA, OKLAHOMA 74114 COUNTY OF TULSA

Premises:

3902 E 15TH ST TULSA, OKLAHOMA 74112 COUNTY OF TULSA

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1947 S KNOXVILLE AVE TULSA, OKLAHOMA 74112 COUNTY OF TULSA

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Policy language follows


80-02-1361 (Rev. 3-19) Endorsement 3

Property Insurance

Form Page

3605-43-62 LIO

JANUARY 1, 2020

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80-02-1361 (Rev. 3-19) Endorsement 4

Property Insurance

Form Page

Earthquake/Earthquake

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80-02-1361 (Rev. 3-19) Endorsement 5

Property Insurance

Form Page

3605-43-62 LIO

JANUARY 1, 2020

Sprinkler Leakage

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80-02-1361 (Rev. 3-19) Endorsement 6

Property Insurance

Form Page

(continued)

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80-02-1361 (Rev. 3-19) Endorsement 7

Property Insurance

Form Page

3605-43-62 LIO

JANUARY 1, 2020

(continued)

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to

to


will be

Declarations,

property by covered

the

l

coverage

applicable

oss;

will


80-02-1361 (Rev. 3-19) Endorsement 8

Property Insurance

Form Page

Equipment

from

of the

equipment caused

the

or

Earthquake

part

or valves and any

definition

from

Earthquake Sprinkler

Fire Protection

Protection Equipment

Leakage

Definitions

s are

Leakage From Fire

for

Specified Peril

Definitions

�

its component

self

substance

missiles;

to

means:

, the following definition is added:

�

protection

definition

those

specified

the

such

or

finition is

fire

orpurposes.

from fire protecti

part of

to

for

resulting

leakage

,

�

do not contain a definition of

equipment

if such

protect

that:

or indirectly

added:Definitions,

and

or

protection

equipment

protection equipment

or fire

Earthquake

lightning;

whether

equipment

the

fire protection or

directly

the

Fire

fire

the

means

protection

discharged

any

that ensues

�

following;

om

-

include a

used solely

the

forms shown

above,

resulting from

or

equipment means tanks,

peril

forms shown

above

the

Earthquake

civil

tanks

only

with respect

water mains, hydrants

earthquake.Earthquake

sprinkler

only

with respect

from

from fire

�

mine

or

.

of

parts,

of

for

specified peril

fire

de

any

�

for

from

fr

or

earthquake,

tanks.

leakage

;

:

�

explosion;

;

commotion;

means

premises;

�

aircraft

a

means:

forming

including

,

within

�

leakage

supports

leakage

a

on

Under

contain

earthquake

of

adjoining

�

tsunami

other

fire

.

�

parts

subsidence;

;

Specified peril

fire

propelled

specified peril�

collapse

collapse

�

earthquake

not

Under

riot

or

or

and

�

sinkhole

and

�

vandalism;

Leakage

or

does

other

smoke;

leakage

waterpremises

Definitions,

deleted and replaced with

equipmentjointly f

including

results

ion

following

other

by

protection equipment

protection and

component

Additional Peril - Combined Earthquake/EQSL Limit/Deductible Or Waiting Period last page

80-02-1361 (Rev. 3-19) Endorsement 9

Property Insurance

Form Page

3605-43-62 LIO

JANUARY 1, 2020

(continued)Specified Peril

Definitions

Endorsement

not mean earthquake sprinkler le

Effective Date

action; or

Policy Number

or hail.

Property Insurance

akage

� vehicles;

does

� volcanic

Specified peril

� windstorm

.

UVWX



Additional Peril - Flood Limit/Deductible Or Waiting Period (Per Occurrence) continued

80-02-1428 (Rev. 3-19) Endorsement 1

Property Insurance

Form Page


JANUARY 6, 2020



3605-43-62 LIO

JANUARY 1, 2020


Name of Company

Endorsement

Policy Period

Effective Date

Policy Number

Property Insurance

Date Issued

Insured

BUILDING AND PERSONAL PROPERTY BUSINESS INCOME WITH EXTRA EXPENSE EXTRA EXPENSE PROPERTY/BUSINESS INCOME CONDITIONS & DEFINITIONS

Policy Annual Aggregate Limit Of Insurance: $ 1,000,000

SCHEDULE

FLOOD INCLUDES INUNDATION, BACK-UP AND MUDFLOW Premises Limits, Deductible or Waiting Period:

Premises Annual Aggregate Limit Of Insurance: $ 1,000,000Per Occurrence Limit Of Insurance: $ 1,000,000Property Damage Dollar Deductible: $ 100,000Waiting Period: 24 HOURS


Premises:


Premises:


Premises:


Premises:


80-02-1428 (Rev. 3-19) Endorsement 2

Property Insurance

Form Page



Premises:


Premises:


Premises:


Premises:


Premises:


Premises:


Premises:


Premises:


Premises:


Premises:


Premises:


Premises:



80-02-1428 (Rev. 3-19) Endorsement 3

Property Insurance

Form Page

3605-43-62 LIO

JANUARY 1, 2020

Flood

Exclusions

A.

applicable to the premises shown in the Schedule above, only if a Limit Of Insurance for

exclusion is deleted from the forms shown above.Under Exclusions, and only with respect to the premises shown in the Schedule above, the Flood

Policy Number

Exhibition, Fair Or Trade Show; or

Effective Date

Newly Acquired Premises; and

Property Insurance

flood

Endorsement

B.

7.

Debris Removal Coverage,

limitations are not deleted and remain in effect for: C.

6.

Additional Coverages; and

5.

Premises Coverages;

4.

Dependent Business Premises;

3.

Civil Authority;

2.

any premises not shown in the Schedule above.

1.

c.

Any Other Location;

The Flood exclusion and any

2.

b.

1.

a.

This endorsement does not apply to:

such coverage is shown in the Declarations at such premises shown in the Schedule above.

3.

Fungus Clean-up Or Removal;

2.

Ingress And Egress;

1.

Loss Of Utilities;

Except as provided in paragraph E. below, this endorsement applies to the:

Pollutant Clean-up And Removal; and

Prohibition Of Access.

the Additional Coverages for:


80-02-1428 (Rev. 3-19) Endorsement 4

Property Insurance

Form Page

Flood A.

Subject to the:

business income

business income

loss and

flood

loss and

Limits Of Insurancethe forms shown above, the following is added:

rental income

rental income

extra

Under Limits Of Insurance, and only with respect to the premises shown in the Schedule above and

C.

1.


business income

, regardless of any other cause or

B.

applicable:

or flood

rental income

, is the lesser of theexpense

, if such coverage is provided, caused by or resulting from

occurrenceextra

2.


or

or flood

, regardless of any

physical loss or damage to property and

extra expense

, for directthe most we will pay at all premises to which such limit applies, in any

loss and

, if such

3.


7.

Deductible or Waiting Period shown under Premises Limits in the Schedule above,

event that directly or indirectly:

1.

Policy Annual Aggregate Limit Of Insurance described in paragraph C. below and

coverage is provided, caused by or resulting from

2.

shown in the Schedule above;


property and resulting with the effective date shown in the Declarations, for direct physical loss or damage to

Subject to the Policy Annual Aggregate Limit Of Insurance, the applicable Premises Annual

Premises Annual Aggregate Limit Of Insurance


6.

Applicable Premises Annual Aggregate Limit Of Insurance described in paragraph B.


5.

Applicable Property Damage Dollar Deductible, Property Damage Percentage

4.

below and shown under Premises Limits in the Schedule above; and

Policy Annual Aggregate Limit Of Insurance

The Policy Annual Aggregate Limit Of Insurance shown in the Schedule above is the most

period, beginning with the effective date shown in the Declarations, for direct physical lossor damage to property and resulting expenseother cause or event that directly or indirectly:

we will pay at all premises shown in the Schedule above during any consecutive 12-month

Aggregate Limit Of Insurance shown in the Schedule above is the most we will pay at allpremises to which such limit applies, during any consecutive 12-month period, beginning

Per Occurrence Limit Of Insurance

1.



Per Occurrence Limit Of Insurance shown in the Schedule above,

Limits Of Insurance shown in the Declarations; or

, if such coverage is provided, caused by or resulting from


80-02-1428 (Rev. 3-19) Endorsement 5

Property Insurance

Form Page

3605-43-62 LIO

JANUARY 1, 2020

Deductible

(continued)Flood

Limits Of Insurance

Property Insurance

the premises shown in the

Effective Date

flood

.

and for

occurrence

flood

above:

and is replaced with the following:

for direct physical loss or damage to property:

� for the premises shown in the Schedule above,

�

Property Damage Percentage Deductible:

For the peril of

building

Policy Number

, the deductible provision is deleted:

Endorsement

).

A.

As used in this endorsement, the terms �specific insurance� and �blanket insurance� have

E.

only with respect to the forms shown above; and

D.

the following meanings:

C.


B.

2.

occurrence

1.

in a

each

Of Insurance at one premises (for example: each

hedule

or

4.

Specific Insurance covers each type of coverage under separate specific Limits

5.


The applicable deductible shown in the Schedule above applies separately for

any other cause or event that directly or indirectly:Limits Of Insurance shown in the Declarations or shown in the Schedule above, regardless ofif such loss or damage is caused by or results from


Property Damage Minimum Dollar Deductible amount shown in the Schedule above.

The most we will pay, in any

2.

for all the applicable property coverages provided in the forms shown above,

1. the percentage deductible shown for the applicable premises will apply; or

3.


1.


2.

Property Damage Dollar Deductible shown in the Schedule above; and

In no event will the deductible amount determined above be less than the applicable

Under

after application of Coinsurance, if applicable;


if no percentage deductible is shown, then the Property Damage Dollar

in excess of the applicable Property Damage Percentage Deductible or

Deductible amount shown for the applicable premises will apply.

Deductible, Sc

, is the lesser of the applicable


80-02-1428 (Rev. 3-19) Endorsement 6

Property Insurance

Form Page

(continued)

G.

insurance,

shown

both specific insurance and blanket insurance,

Deductible

F.Insurance

subject to their applicable

orLimits

Schedulethe

If a loss involves

in

covered property that sustained direct physical loss or damage; and

Of

Property Damage Dollar Deductible:

respectiveinsurance and separately for specific

will

1.

that sustained loss or damage:

building at two or more premises); or

building

2.

We will pay the loss or damage in excess of such deductible amount determined

or

be determined and apply separately for blanket

at two or more premises).

of the

2.

above, subject to the applicable Limit Of Insurance for each insured type of coverage.

1.

Blanket Insurance and Loss Limit Of Insurance:

Of Insurance.

in that

amount

Types

In determining the amount, if any, that we will pay for loss or damage for eachpremises shown in the Schedule above, we will separately at each premises

a.

if the applicable premises shown in the Schedule above shows Apply Percentage

we will separately for each type of coverage:

above.

the

lesser Limits

each specific type of coverage that sustained direct physical loss or damage,In determining the amount, if any, that we will pay for loss or damage for

Specific Insurance:

personal property

Limits

are

deductible

Blanket and Loss Limit insurance covers:

Insurance

a.

To Statement Of Values, we will multiply the deductible percentage shown in the

The applicable Limits Of Insurance for the property coverages:

b.

coverages

the 100% values you most recently furnished to us for the types of

a.

(2)

located at the same premises that sustained loss or damage, to determine the

b.

pay the loss or damage in excess of such deductible amount determined above,

a.

subject to the applicable Limits Of Insurance for such covered property.

b.

apply the applicable percentage shown in the Schedule above to the sum of:

of

or damage.

correspondingin the

Of

personal property

furnished to us for the type of covered property that sustained direct physical lossSchedule above for that premises, by the 100% values you most recently

applicable Limit Of Insurance shown in the Declarations; orapply the applicable deductible percentage shown in the Schedule above, to the

(1)

applicable deductible; and

and

do not apply until the amount of loss or damage exceeds the

(for example,

personal property

applicable deductible amount shown above; and

buildings

Declarations

one type of coverage at two or more premises under a single Limit Of Insurance

Insurance (for example: two or more types of coverage at one or more premises under a single Limit Of

the 100% values you most recently furnished to us for the same types ofcovered property that did not sustain direct physical loss or damage, but are

andthe

and


80-02-1428 (Rev. 3-19) Endorsement 7

Property Insurance

Form Page

3605-43-62 LIO

JANUARY 1, 2020

Waiting Period

or as otherwise

property

) in excess

Deductible

: (continued)

Endorsement

under this policy; or

which insures against loss or damage caused by

Policy Number

flood

primary insurance

business income

at the premises shown above and

Effective Date

flood

, the Waiting Period provision is deleted:

rental income

or

Property Insurance

or

.

the Declarations�

for the premises shown in the Schedule above;

For the peril of

waiting

flood

shown in

and to each type of coverage that sustained

If no waiting period is shown in the Schedule above, the waiting period will be the:

by a

�

for any premises shown in the Declarations; and

�

for any premises not shown in the Schedule above and not shown in the Declarations,

�

4.

to

flood

deductible shown in the Schedule above; and

primary insurance

�

Should you have

extra expense

loss that is incurred after the applicable Waiting

�

only with respect to the forms shown above;

primary insurance

shown;

�

1. exceeds the

period

occurrence

property

primary insurance

�

or resulting from

Following covered direct physical loss or damage to at any premises not shown in the Schedule above and not shown in the Declarations, we will pay

Period shown in the Schedule above, not to exceed the applicable Limits Of Insurance.

The applicable Waiting Period shown in the Schedule above:

or

.

loss; and

�

covered peril

flood

deductible shown in the Schedule above, no deductible shall apply

the amount of

apply in excess of the applicable deductible amount.

and is replaced by the following:

deductible shown in the Schedule above,

H.

2.

the

;

direct physical loss or damage;

only applies at premises that suffers a

we will pay the amount of loss or damage (after deduction for

begins immediately following the direct physical loss or damage to

does not apply to

of the difference between:

rental income

applies separately for each

3.

the amount of loss payable under your

applicable

is less than the

, if the amount of loss payable under your

b.

business income

flood


80-02-1428 (Rev. 3-19) Endorsement 8

Property Insurance

Form Page

(continued)

, -

means:

only when, Flood Includes Inundation, Back-

Flood

Definitions

Mudflow

Loss Payment Basis

Waiting Period

Definitions

Inundation, Back-up And

whichever is longer.

that ensues from flood; or

� first 24 consecutive hours following the direct physical loss or damage,

, our valuation

�

mudslide or mudflow;

up and mudflow Flood

specified peril

� tsunami resulting from earthquake.

Up And Mudflow is shown under premises in the Schedule above.

Flood

other pathways, and

.

any other body of water or watercourse, whether driven by wind or not.of natural or man-made lakes, reservoirs, ponds, brooks, rivers, streams, harbors, oceans, or

�

a

doors or windows; or

Under Definitions, the following definitions are added:

Inundation, back-up and mudflow

A.

rising or overflowing or breaking of any boundary,

insurance and the will include any difference in loss payment due to a difference in methods of valuation under this

B.

waves, tidal water or tidal waves; or

In the event of loss or damage covered by this insurance and

Under Loss Payment Basis, the following is added:

C.

4.

basements, whether paved or not;

Under Definitions, the definition of Flood is deleted and replaced with the following:

Flood

foundations, walls or paved surfaces;

�

3.

inundation

any back-up or overflow from a sewer, drain or sump resulting from any of the foregoing.

2.

primary insurance

1.

water under the ground surface pressing on, or flowing or seeping through:

surface water;

means:

does not include:

includes back

primary insurance

Additional Peril - Flood Limit/Deductible Or Waiting Period (Per Occurrence) last page

80-02-1428 (Rev. 3-19) Endorsement 9

Property Insurance

Form Page

3605-43-62 LIO

JANUARY 1, 2020

Primary Insurance

Inundation, Back-up And

(continued)Mudflow

Definitions

from a , -

also means any other valid and collectible insurance covering any amount

Inundation back up and mudflow

Property Insurance

does not mean ensuing loss or damage caused by or resulting

Effective Date

means insurance covering all or any part of the deductible amount stated in

Policy Number

.

Endorsement

insurance provided by this policy.in excess of the deductible amount stated in the Schedule above, but does not mean any

the Schedule above and includes insurance provided under the National Flood Insurance Program.

Primary insurance

Primary insurance

specified peril

UVWX



Windstorm Or Hail Deductible Or Waiting Period continued

80-02-1324 (Rev. 10-06) Endorsement 1

Property Insurance

Form Page


JANUARY 1, 2020

3605-43-62 LIO



JANUARY 6, 2020


Insured

Policy Number

Endorsement

Policy Period

Effective Date

Name of Company

Date Issued

Property Insurance

BUILDING AND PERSONAL PROPERTY BUSINESS INCOME WITH EXTRA EXPENSE PROPERTY/BUSINESS INCOME CONDITIONS & DEFINITIONS

SCHEDULE


Premises:


Premises:


Premises:


Premises:


Premises:


Premises:


Premises:


80-02-1324 (Rev. 10-06) Endorsement 2

Property Insurance

Form Page



Premises:


Premises:


Premises:


Premises:


Premises:


Premises:


Premises:


Premises:


Premises:

Property Damage Percentage Deductible: 1% Property Damage Minimum Dollar Deductible: $ 250,000

72 HOURSWaiting Period:

The following counties in the state of Alabama:

Tier 1 locations means:

If Tier 1 or Tier

� Baldwin, Mobile

2 is shown in the Schedule above, the following applies:


80-02-1324 (Rev. 10-06) Endorsement 3

Property Insurance

Form Page

JANUARY 1, 2020

3605-43-62 LIO

Property Insurance

Endorsement

Effective Date

Policy Number

� Bay, Brevard, Broward, Charlotte, Citrus, Collier, Dade, Dixie, Duval, Escambia, Flagler, Franklin, Gulf, Hernando,

�

Hillsborough, Indian River, Jefferson, Lee, Levy, Manatee, Martin, Monroe, Nassau, Okaloosa, Palm Beach, Pasco, Pinellas,

The following counties in the state of Georgia:

The following counties in the state of Florida:

Santa Rosa, Sarasota, St. Johns, St. Lucie, Taylor, Volusia, Walton, and Wakulla

Bryan, Camden, Chatham, Glynn, Liberty, McIntosh

�

�

The following counties in the state of Mississippi:

�

The following counties in the state of North Carolina:

The following parishes in the state of

Brunswick, Camden, Carteret, Currituck, Dare, Hyde, New Hanover, Onslow, Pamlico, Pender

Hancock, Harrison, Jackson

Cameron, Iberia, Jefferson, Lafourche, Orleans, Plaquemines, St. Bernard, St. Mary, St. Tammany, Terrebonne, Vermilion

Louisiana:

� Beaufort, Berkeley, Charleston, Colleton, Georgetown, Horry, Jasper

� Aransas, Brazoria, Calhoun, Cameron, Chambers, Galveston, Kenedy, Kleberg, Jackson, Jefferson, Matagorda, Nueces, Refugio,

The following counties in the state of Texas:

�

San Patricio, Willacy

The following counties in the state of Virginia:

The following counties in the state of South Carolina:

Accomack, City of Virginia Beach, Northhampton

� Clarke, Covington, Escambia, Geneva, Monroe, Washington

� Rest of State (Other than Tier 1 Florida counties)

The following counties in the state of Florida:

� Brantley, Charlton, Effingham, Long, Wayne

The following counties in the state of Georgia:

Tier 2 locations means:

The following counties in the state of Alabama:


80-02-1324 (Rev. 10-06) Endorsement 4

Property Insurance

Form Page


�

�

The following counties in the state of Mississippi:

�

The following counties in the state of North Carolina:

The following parishes in the state of Louisiana:

Acadia, Assumption, Calcasieu, Jefferson Davis, Lafayette, St. Charles, St. James, St. John the Baptist, St. Martin

George, Pearl River, Stone

Beaufort, Columbus, Craven, Jones, Pasquotank, Perquimans, Tyrrell

� Dorchester, Hampton, Marion, Williamsburg

� Bee, Brooks, Fort Bend, Goliad, Hardin, Harris, Hidalgo, Jim Wells, Liberty, Orange, Victoria, Wharton

The following counties in the state of Texas:

� City of Chesapeake, City of Hampton, City of Newport News, City of Norfolk, City of Portsmouth

The following counties in the state of Virginia:

The following counties in the state of South Carolina:



80-02-1324 (Rev. 10-06) Endorsement 5

Property Insurance

Form Page

JANUARY 1, 2020

3605-43-62 LIO

Deductible

pr

E.

the peril

ev

premises

not

,

deductible shown

determined

the

in

�

is repla

with

all the

of

theshown

in

shown

provision

shown

�

for each

ent

application

in

the

de

the

Schedule

the

and

and

�

for any

bywe

r

shown

ollar

the

of:

Property Damage

or

and

for the premises

theD

the

any

Limits

the

:

above:

Schedule

A.

In

the lesser

percentage

deductible

is shown,

in

direct physical or

C.

3.

no

of

no

percentage

deductible

is

Of

shown

the

will

or

Property Insurance

Deductible

coverages

in

the P

Declarations

will

Dollar

B.

For t

ced

amage

deductible

Coinsurance,

Schedule

ovided

the

above,

Endorsement

the

pay,from

property

shown

the

DollarSchedule above,

above.

Effective Date

by

will

shown

of

shown in

Minimum

n

Schedule

in the

D. The

a

for

respect

Property Damage

Schedule above

above

above; and

Policy Number

percentage

for

Deductible amount

applicable

above;

than

shown

For

2.

most

lowest

applicable

windstorm

for

for

is deleted

in

in

only

applicable

benot

Property

The

he premises shown

in

the

Schedule

if

in

the

in

Percentage

2.

ny

premises

percentage

in

the

shown

show

the

1.

if no

the

Dollar

applicableshown

in

above

caused

occurrence

property

occurrence

applicable;

shown.

windstorm

3.

after

of

Dollar

greater

applicable

Insurance

Schedule

the forms

theDamage Minimum

deductible

Schedule

,

then

above applies

Deductible

at

above,

For

Damage

following:

deductible

shown

the

Schedule

subject

Property

1. the

applicable

deductible

orwill

to the forms

ble

above;

2.

if

excess

applicable

ductible

above;

1.

amount

the

Deducti

amount

premises

is

applicable

.

Deductiblein

will

the

esulting

in

D

the

shown

Deductible Amount;

the applicable

apply;

Declarations,

eclarations,

in

:

be

and

then

apply;

to

eductibleroperty Damage

the lowest

otherwise

not shown

.

damage

each premises

premises

the D

or

to

as

P

less applicable

loss

or

property

Declarations

D

its

roperty

separately

or


80-02-1324 (Rev. 10-06) Endorsement 6

Property Insurance

Form Page

(continued)le

G.

following meanings:

each

covers

that

for

shown

direct

Deductib F.

1.

a

used

involves

for

more

or

example,

two

covers:2.

determined andto

or

applicable

the

in

Of

or more

Insurance

beloss

in

subject

Percentage

the

(for

you

the

at

Insurance.

sustained

If

We will

type

Loss

Limits

insurance

deductible;

in

deductible

atr

Property Damage

applicable

Schedule

Limit

type

the

buildingseparate

that

Types

Specific

Insurance

applicable Limits

of

Of Insurance

Declarations;

loss

insurance,

this

and

apply

coverage

us

property

Of

such

more

for

of

1.

In determining

to

the

personal

of

Limits

percentage shown

physical

2.

b.

determining

furnished

type

above

Of

we

two

insurance,

shown

for

As

separately

at one

loss

personal

sustained direct

covered property

y

Specific

pay

the

coverage

to

deductible

Insurance:

under

by the

amount

a.

coverages

the

the

types of

if any,

and

shown

direct

and

loss

sustainedshown

and

the

Loss

if any,

Of

shown in

separately

amount

Blanket

the

the

specific insurance

most

of

insurance�

premises

damage,

forIn

pay

type

the

and

damage.

type

Values,

es

and

more

loss

a

above, subject

loss

separately

you most

in

of

premises,

propert

Schedule

b.

applicable

damage:

each

g

in

that

Of Insurance

Schedule

us

for

a.

building

loss

su

property

property

we will

the

physical loss

specific

insurance

amount,

Insurance

blanket

or

deductible

the

in

or

he

Insuran

Insurance:

the

premises

coverage:

sustain

more

or

the

insured

to

a.

(2)

loss

in

of

Limit

damage

Limits

we will pay for loss

Blanket

).

theto

in

amount,

coverage

coverage

the

for

separately

or

building

endorsement,

Deductible:

sustained

or

or

multiply

each

for

type

b.

if

determine

or

values

for

excess

will pay

for

premises);

premisespremises

example,

applicable

above,

that

such

under

to

single

that

the

of

one

both

applicable

percentage

not

of

that

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80-02-1324 (Rev. 10-06) Endorsement 7

Property Insurance

Form Page

JANUARY 1, 2020

3605-43-62 LIO

(continued)

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80-02-1324 (Rev. 10-06) Endorsement 8

Property Insurance

Form Page

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UVWX



COMMON

POLICYCommon Policy Conditions Section

CONDITIONS

Form 80-02-9099 (Ed. 4-94) Common Conditions

Policy Conditions

Schedule of Forms







BBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBB

The following is a schedule of forms issued as of the date shown above:

Edition Effective DateForm Number Date Form Name Date Issued80-02-9001 6-98 HOW TO REPORT A LOSS 01/01/20 01/06/2080-02-9090 6-05 COMMON POLICY CONDITIONS 01/01/20 01/06/2080-10-9105 4-94 OKLAHOMA - IMPORTANT NOTICE 01/01/20 01/06/2080-02-9725 9-03 OKLAHOMA MANDATORY-COMMON SECT.-CANCEL.TERM 01/01/20 01/06/2080-02-9790 3-12 COND - CIVIL UNIONS OR DOMESTIC PARTNERSHIPS 01/01/20 01/06/2080-02-9800 12-08 INSURING AGREEMENT 01/01/20 01/06/2099-10-0732 1-15 NOTICE TO POLICYHOLDERS-TRIPRA 01/01/20 01/06/2099-10-0792 9-04 IMPORTANT NOTICE - OFAC 01/01/20 01/06/2099-10-0822 1-06 OKLAHOMA IMPORTANT NOTICE - FRAUD WARNING 01/01/20 01/06/2099-10-0872 6-07 AOD POLICYHOLDER NOTICE 01/01/20 01/06/20

last page

Form 80-02-9999 (ED. 6-95) Schedule of Forms Page 1


Contract



Conditions The following Conditions are included under each part of the policy, unless stated otherwise.

Audit Of Books AndRecords

We may audit your books and records as they relate to this insurance at any time during the term ofthis policy and up to three years afterwards.

Cancellation The first named insured may cancel this policy or any of its individual coverages at any time by sending us a written request or by returning the policy and stating when thereafter cancellation is totake effect.

We may cancel this policy or any of its individual coverages at any time by sending to the firstnamed insured a notice 60 days (20 days in the event of non-payment of premium) in advance ofthe cancellation date. Our notice of cancellation will be mailed to the first named insured's lastknown address, and will indicate the date on which coverage is terminated. If notice of cancellation is mailed, proof of mailing will be sufficient proof of notice.

The earned premium will be computed on a pro rata basis. Any unearned premium will be returned as soon as practicable.

Changes This policy can only be changed by a written endorsement that becomes part of this policy. Theendorsement must be signed by one of our authorized representatives.

Compliance By Insureds We have no duty to provide coverage under this policy unless you and any other involved insuredhave fully complied with all of the terms and conditions of the policy.

Compliance WithApplicable TradeSanctions

This insurance does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit us from providing insurance.

Conformance Any terms of this insurance which are in conflict with the applicable statutes of the State in which this policy is issued are amended to conform to such statutes.

First Named Insured The person or organization first named in the Declarations is primarily responsible for payment ofall premiums. The first named insured will act on behalf of all other named insureds for the givingand receiving of notice of cancellation or nonrenewal and the receiving of any return premiums thatbecome payable under this policy.

Inspections And Surveys We may:

� make inspections and surveys at any time;

� give you reports on the conditions we find; and

� recommend changes.



Conditions

Inspections And Surveys(continued)

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 anyperson or organization to provide for the health or safety of workers or the public. And we do not warrant that conditions:

� are safe or healthful; or

� comply with laws, regulations, codes or standards.

This condition applies not only to us, but also to any rating, advisory, rate service or similarorganization which makes insurance inspections, surveys, reports or recommendations for us.

Titles Of Paragraphs The titles of the various paragraphs of this policy and endorsements, if any, attached to this policy are inserted solely for convenience or reference and are not to be deemed in any way to limit or affect the provisions to which they relate.

Transfer Of Rights AndDuties

Your rights and duties under this insurance may not be transferred without our written consent.However, if you die, then your rights and duties will be transferred to your legal representative, butonly while acting within the scope of duties as your legal representative, or to anyone havingtemporary custody of your property until your legal representative has been appointed.

When We Do Not Renew If we decide not to renew this policy, we will mail or deliver to the first named insured�s last known address, written notice of the nonrenewal not less than 60 days before the expiration date. If noticeof nonrenewal is mailed, proof of mailing will be sufficient proof of notice.

COMMON

POLICYCommon Policy Conditions Section

ENDORSEMENTS

Endorsements

Form 80-02-9399 (Ed. 4-94) Endorsements


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JANUARY 6, 2020

COMMON POLICY CONDITIONS

Policy Conditions

Endorsement

Policy Period

Effective Date

Policy Number

Insured

Name of Company

Date Issued

Policy Conditions Oklahoma Mandatory continued



The following changes are made as respects exposures in the state of Oklahoma.

Under Conditions, the provisions titled Cancellation and Nonrenewal are deleted and replaced bythe following:

Conditions

Cancellation We may cancel this policy by mailing or delivering to the first Named Insured written notice ofcancellation at least:

� 20 days before the effective date of cancellation if we cancel for nonpayment of premium;or

� 60 days before the effective date of cancellation if we cancel for any other reason.

After coverage has been in effect more than 45 business days or after the effective date of arenewal of this policy, no notice of cancellation will be issued by us unless it is based on at leastone of the following reasons:

A. nonpayment of premiums;

B. fraud or material misrepresentation in the procurement of the insurance or with respect toany claims submitted under it;

C. discovery of willful or reckless acts or omissions by you that increase any hazard insuredagainst;

Policy Conditions Oklahoma Mandatory continued


Conditions

Cancellation(continued)

D. the occurrence of a change in the risk that substantially increase any hazard insured againstafter insurance coverage has been issued or renewed;

E. violation of any local fire, health, safety, building or construction regulation or ordinancewith respect to any covered property or its occupancy that substantially increases any hazardinsured against;

F. a determination by the Insurance Commissioner that the continuation of the policy wouldplace us in violation of the insurance laws of this state;

G. your conviction of a crime having as one of its necessary elements an act increasing anyhazard insured against; or

H. loss of or substantial changes in applicable reinsurance.

Nonrenewal If we elect not to renew this policy, we will mail or deliver written notice of nonrenewal to thefirst Named Insured at least 60 days before:

� the expiration date of this policy; or

� an anniversary date of this policy, if it is written for a term longer than one year or with nofixed expiration date.

Any notice of nonrenewal will be mailed or delivered to the first Named Insured at the lastmailing address known to us.

If notice is mailed:

� It will be considered to have been given to the first Named Insured on the day it is mailed.

� Proof of mailing will be sufficient proof of notice.

If notice of nonrenewal is not mailed or delivered at least 45 days before the expiration date or ananniversary date of this policy, coverage will remain in effect until 45 days after notice is given.Earned premium for such extended period of coverage will be calculated pro rata based on therates applicable to the expiring policy.

We will not provide notice of nonrenewal if:

� we, or another company within the same insurance group, have offered to issue a renewalpolicy; or

� you have obtained replacement coverage or have agreed in writing to obtain replacementcoverage.

If we have provided the required notice of nonrenewal as described in the first paragraph above,and thereafter extend the policy for a period of 90 days or less, we will not provide an additionalnonrenewal notice with respect to the period of extension.

Under Conditions, the following provision is added:

Conditions

Premium Or CoverageChanges At Renewal

If we elect to renew this policy, we will give written notice of any premium increase, change indeductible, or reduction in limits or coverage, to the first Named Insured, at the last mailingaddress known to us.

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3605-43-62 LIO

UVWX

Policy Conditions

Endorsement

Effective Date

Policy Number

Policy Conditions Oklahoma Mandatory last page


Conditions

Premium Or CoverageChanges At Renewal(continued)

Any such notice will be mailed or delivered to the first Named Insured at least 45 days before:

� the expiration date of this policy; or

� an anniversary date of this policy, if it is written for a term longer than one year or with nofixed expiration date.

If notice is mailed:

� it will be considered to have been given to the first Named Insured on the day it is mailed;and

� proof of mailing will be sufficient proof of notice.

If the first Named Insured accepts the renewal, the premium increase or coverage changes will beeffective the day following the prior policy's expiration or anniversary date.

If notice is not mailed or delivered at least 45 days before the expiration date or anniversary dateof this policy, the premium, deductible, limits and coverage in effect prior to the changes willremain in effect until:

� 45 days after notice is given; or

� the effective date of replacement coverage obtained by the insured;


If the first Named Insured then elects not to renew, any earned premium for the resulting extendedperiod of coverage will be calculated pro rata at the lower of the new rates or rates applicable tothe expiring policy.

We will not provide notice of the following:

� changes in a rate or plan filed with or approved by the State Board for Property andCasualty rates or filed pursuant to the Commercial Property and Casualty Competitive LossCost Rating Act and applicable to an entire class of business;

� changes which are based upon the altered nature or extent of the risk insured; or

� changes in policy forms filed with or approved by the Insurance Commissioner andapplicable to an entire class of business.




JANUARY 1, 2020

3605-43-62 LIO



JANUARY 6, 2020

UVWX

COMMON POLICY CONDITIONS

Form 80-02-9790 (Ed. 3-12)

to the following

Conditions, the following condition

Civil Unions Or Domestic

last page

Partnerships

appliesThis Endorsement

Conditions

Page 1

Policy Conditions

Endorsement

terms and conditions remain unchanged.

Conditions � Civil Unions Or Domestic Partnerships

Endorsement

Name of Company

Policy Conditions

is added.

Policy Number

Effective Date

Policy Period

Under

forms:

partnership recognized under the applicable law of the jurisdiction having authority.All references in the policy to �spouse� include a party to a civil union or domestic


Date Issued

Insured

All other

WARNING - ohrc.org · 80-02-9020 (Ed. 4-94) Premium Bill 1 last page Form Page JANUARY 1, 2020 TO...

Documents

Transcript of WARNING - ohrc.org · 80-02-9020 (Ed. 4-94) Premium Bill 1 last page Form Page JANUARY 1, 2020 TO...