Loading...
25-065 4 Point Power_Amendment #1 dated 8-28-25 for Electrical On-Call Services1 FIRST AMENDMENT TO AGREEMENT 972 BETWEEN THE CITY OF CUPERTINO AND 4 POINT POWER, INC. FOR 4 POINT POWER, INC. ELECTRICAL ON- CALL SERVICES This First Amendment to Agreement 972 is by and between the City of Cupertino, a municipal corporation (hereinafter "City") and 4 Point Power, Inc., a Corporation (“Contractor”) whose address is 1313 N Milpitas Blvd Suite 161, Milpitas, CA 95035, and is made with reference to the following: RECITALS: A. On April 24, 2025 Agreement 972 (“Agreement”) was entered into by and between City and Contractor for Electrical On-Call Services. B. City and Contractor desire to modify the Agreement on the terms and conditions set forth herein. NOW, THEREFORE, it is mutually agreed by and between the undersigned parties as follows: 1. Paragraph 4.1 of the Agreement is modified to read as follows: Maximum Compensation. City will pay Contractor for satisfactory performance of the Work based upon actual costs and capped so as not to exceed $135,000.00 (“Contract Price”), based upon the Scope of Work in Exhibit A and the budget and rates included. The maximum compensation includes all expenses and reimbursements and will remain in place even if Contractor’s actual costs exceed the capped amount 2. Except as expressly modified herein, all other terms and covenants set forth in the Agreement shall remain the same and shall be in full force and effect. SIGNATURES CONTINUE ON THE FOLLOWING PAGE 2 IN WITNESS WHEREOF, the parties hereto have caused this modification of Agreement to be executed. CITY OF CUPERTINO By Title Date APPROVED AS TO FORM Senior Assistant City Attorney ATTEST: City Clerk Date 4 POINT POWER, INC. By Title Date EXPENDITURE DISTRIBUTION Item PO Number Amount Original Agreement 2025-026 60,000.00 Amendment 1 Increase Compensation 75,000.00 SO 1 Sports Center Racquet Ball Light Fixture Upgrade Project 2025-490 -59,000.00 Agreement Total 135,000.00 CFO Aug 21, 2025 Director of Public Works Aug 28, 2025 Aug 28, 2025 4 Point Power, Inc., for Electrical On-Call Services On-Call Public Works Contract/ April 2024 Page 1 of 12 ON-CALL PUBLIC WORKS CONTRACT WITH 4 POINT POWER, INC. 1. PARTIES This On-Call Public Works Contract (“Contract”) is made by and between the City of Cupertino, a municipal corporation (“City”), and 4 Point Power, Inc. (“Contractor”) a Corporation for Electrical On-Call Services, and is effective on the last date signed below (“Effective Date”). 2. SCOPE OF WORK 2.1 Scope of Work. Contractor will perform and provide all labor, materials, equipment, supplies, transportation and any other items or work necessary to perform and complete the work described in the Scope of Work (“Work”), attached and incorporated here as Exhibit A, on an as- needed basis. The Work must comply with this Contract and with each Service Order issued by the City’s Project Manager or his/her designee, in accordance with the following procedures, unless otherwise specified in Exhibit A. Contractor further agrees to carry out its work in compliance with any applicable local, State, or Federal order regarding COVID-19. 2.2 Service Orders. Before issuing a Service Order, the City Project Manager will request that Work be done in writing and hold a meeting with Contractor to discuss the Service Order. Contractor will submit a written proposal that includes a specific Scope of Work, Schedule of Performance, and Compensation, which the Parties will discuss. Thereafter, City will execute a Service Order Form for the Work, attached and incorporated here as Exhibit B. The Service Order will specify the Scope of Work, Schedule of Performance, Compensation, and any other conditions applicable to the Service Order. Issuance of a Purchase Order is discretionary. The City Pro ject Manager is authorized to streamline these procedures based on the City’s best interests. In particular, in emergency situations, the City Project Manager may execute a Service Order for emergency work based on oral conversations with the Contractor, without adhering to the full process outlined in this section. Contractor will not be compensated for Work performed without a duly authorized and executed Service Order. 3. TIME OF PERFORMANCE 3.1 Term. This Contract begins on the Effective Date and ends on June 30, 2027 (“Contract Time”), unless terminated earlier as provided herein. The City’s appropriate department head or City Manager may extend the Contract Time through a written amendment to this Contract, provided such extension does not include additional contract funds. Extensions requiring additional contract funds are subject to the City’s purchasing policy. 3.2 Schedule of Performance. Contractor must complete the Work within the time specified in each Service Order, and under no circumstances should the Work go beyond the Contract Time. 4 Point Power, Inc., for Electrical On-Call Services On-Call Public Works Contract/ April 2024 Page 2 of 12 3.3 Time is of the essence for the performance of all the Work required in this Contract and in each Service Order. Contractor must have sufficient time, resources, and qualified staff to deliver the Work on time. Contractor must respond promptly to each Service Order request. 4. COMPENSATION 4.1 Maximum Compensation. City will pay Contractor for satisfactory performance of the Work based upon actual costs and capped so as not to exceed $60,000.00 (“Contract Price”), based upon the Scope of Work in Exhibit A and the budget and rates included. The maximum compensation includes all expenses and reimbursements and will remain in place even if Contractor’s actual costs exceed the capped amount. 4.2 Per Service Order. Compensation for Work provided under a Service Order will be based on the rates set forth in the Service Order, which shall not exceed the capped amount specified in the Service Order. 4.3 Invoices and Payments. Contractor must submit an invoice on the first day of each month, describing the Work performed during the preceding month, itemizing labor, materials, equipment, and any incidental costs incurred. Contractor will be paid ninety-five percent (95%) of the undisputed amounts billed within thirty (30) days after City receives a properly submitted invoice. Any retained amounts will be included with Contractor’s final payment within sixty (60) days of City’s acceptance of the Work pursuant to a specific Service Order as complete. 5. INDEPENDENT CONTRACTOR 5.1 Status. Contractor is an independent contractor and not an employee, partner, or joint venture of City. Contractor is solely responsible for the means and methods of performing the Work and for the persons hired to work under this Contract. Contractor is not entitled to health benefits, worker’s compensation, or other benefits from the City. 5.2 Contractor’s Qualifications. Contractor warrants on behalf of itself and its subcontractors that they have the qualifications and skills to perform the Work in a competent and professional manner and according to the highest standards and best practices in the industry. 5.3 Permits and Licenses. Contractor warrants on behalf of itself and its subcontractors that they are properly licensed, registered, and/or certified to perform the Work as required by law and have procured a City Business License, if required by the Cupertino Municipal Code. Contractor shall possess a California Contractor’s License in good standing for the following classification(s): C10, which must remain valid for the entire Contract Time. 5.4 Subcontractors. Only Contractor’s employees are authorized to work under this Contract. Prior written approval from City is required for any subcontractor, and the terms and conditions of this Contract will apply to any approved subcontractor. 5.5 Tools, Materials, and Equipment. Contractor will supply all tools, materials, and equipment required to perform the Work under this Contract. 4 Point Power, Inc., for Electrical On-Call Services On-Call Public Works Contract/ April 2024 Page 3 of 12 5.6 Payment of Benefits and Taxes. Contractor is solely responsible for the payment of employment taxes incurred under this Agreement and any similar federal or state taxes. Contractor and any of its employees, agents, and subcontractors shall not have any claim under this Agreement or otherwise against City for seniority, vacation time, vacation pay, sick leave, personal time off, overtime, health insurance, medical care, hospital care, insurance benefits, social security, disability, unemployment, workers compensation or employee benefits of any kind. Contractor shall be solely liable for and obligated to pay directly all applicable taxes, fees, contributions, or charges applicable to Contractor’s business including, but not limited to, federal and state income taxes. City shall have no obligation whatsoever to pay or withhold any taxes or benefits on behalf of Contractor. In the event that Contractor or any employee, agent, or subcontractor of Contractor providing services under this Agreement is determined by a court of competent jurisdiction, arbitrator, or administrative authority, including but not limited to the California Public Employees Retirement System (PERS) to be eligible for enrollment in PERS as an employee of City, Contractor shall indemnify, defend, and hold harmless City for the payment of any employee and/or employer contributions for PERS benefits on behalf of Contractor or its employees, agents, or subcontractors, as well as for the payment of any penalties and interest on such contributions, which would otherwise be the responsibility of City, and actual attorney’s fees incurred by City in connection with the above. 6. CHANGE ORDERS Amendments and change orders must be in writing and signed by City and Contractor. Contractor’s request for a change order must specify the proposed changes in the Work, Contract Price, and Contract Time. Each request must include all the supporting documentation, including but not limited to plans/drawings, detailed cost estimates, and impacts on schedule and completion date. 7. ASSIGNMENTS; SUCCESSORS Contractor shall not assign, hypothecate, or transfer this Contract or any interest therein, directly or indirectly, by operation of law or otherwise, without prior written consent of City. Any attempt to do so will be null and void. Any changes related to the financial control or business nature of Contractor as a legal entity is considered an assignment of the Contract and subject to City approval, which shall not be unreasonably withheld. Control means fifty percent (50%) or more of the voting power of the business entity. This Contract is binding on Contractor, its heirs, successors, and permitted assigns. 8. PUBLICITY / SIGNS Any publicity generated by Contractor for the Project during the Contract Time, and for one (1) year thereafter must credit City contributions to the Project. The words “City of Cupertino” must be displayed in all pieces of publicity, flyers, press releases, posters, brochures, interviews, public service announcements, and newspaper articles. No signs may be posted or displayed on or about City property, except signage required by law or this Contract, without prior written approval from the City. 9. SUBCONTRACTORS 9.1 Contractor must perform all the Work with its own forces, except that Contractor may hire 4 Point Power, Inc., for Electrical On-Call Services On-Call Public Works Contract/ April 2024 Page 4 of 12 qualified subcontractors to perform up to 25% of the Work under any give Service Order, provided that each subcontractor is required by contract to be bound by the provisions of this Contract and any applicable Service Order. Contractor must provide City with written proof of compliance with this provision upon request. 9.2 City may reject any subcontractor of any tier and bar a subcontractor from performing Work on the Project, if City in its sole discretion determines that subcontractor’s Work falls short of the requirements of this Contract or constitutes grounds for rejection under the Public Contract Code. If City rejects a subcontractor, Contractor at its own expense must perform the subcontractor’s Work or hire a new subcontractor that is acceptable to City. A Notice of Completion must be recorded within fifteen (15) days after City accepts the Work under a particular Service Order if the Work involves work by subcontractors. 10. RECORDS AND DAILY REPORTS 10.1 Contractor must maintain daily reports of the Work and submit them to City upon request and at completion of Work pursuant to a Service Order. The reports must describe the Work and specific tasks performed, the number of workers, the hours, the equipment, the weather conditions, and any circumstances affecting performance. City will have ownership of the reports, but Contractor will be permitted to retain copies. 10.2 If applicable, Contractor must keep a separate set of as-built drawings showing changes and updates to the Scope of Work or the original drawings as changes occur. Actual locations to scale must be identified for all major components of the Work, including mechanical, electrical and plumbing work; HVAC systems; utilities and utility connections; and any other components City determines should be included in the final drawings of the Project. Deviations from the original drawings must be shown in detail, and the location of all main runs, piping, conduit, ductwork, and drain lines must be shown by dimension and elevation. 10.3 Contractor must maintain complete and accurate accounting records of its Work, in accordance with generally accepted accounting principles, which must be available for City review and audit, kept separate from other records, and maintained for four (4) years from the date of City’s final payment. 11. INDEMNIFICATION 11.1 To the fullest extent allowed by law, and except for losses caused by the sole and active negligence or willful misconduct of City personnel, Contractor shall indemnify, defend, and hold harmless City, its City Council, boards and commissions, officers, officials, employees, agents, servants, volunteers, and Contractors (“Indemnitees”), through legal counsel acceptable to City, from and against any and all liability, damages, claims, actions, causes of action, demands, charges, losses, costs, and expenses (including attorney fees, legal costs, and expenses related to litigation and dispute resolution proceedings), of every nature, arising directly or indirectly from this Contract or in any manner relating to any of the following: (a) Breach of contract, obligations, representations or warranties; (b) Performance or nonperformance of the Work or of any obligations under the Contract by 4 Point Power, Inc., for Electrical On-Call Services On-Call Public Works Contract/ April 2024 Page 5 of 12 Contractor, its employees, agents, servants, or subcontractors; (c) Payment or nonpayment by Contractor or its subcontractors or sub-subcontractors for Work performed on or off the Project Site; and (d) Personal injury, property damage, or economic loss resulting from the work or performance of Contractor or its subcontractors or sub-subcontractors. 11.2 Contractor must pay the costs City incurs in enforcing this provision. Contractor must accept a tender of defense upon receiving notice from City of a third-party claim, in accordance with California Public Contract Code Section 9201. At City’s request, Contractor will assist City in the defense of a claim, dispute, or lawsuit arising out of this Contract. 11.3 Contractor’s duties under this entire Section 11 are not limited to Contract Price, Workers’ Compensation, or other employee benefits, or the insurance and bond coverage required in this Contract. Nothing in the Contract shall be construed to give rise to any implied right of indemnity in favor of Contractor against City or any other Indemnitee. 11.4 Contractor’s payments may be deducted or offset to cover any money the City lost due to a claim or counterclaim arising out of this Contract, a purchase order or other transaction. 11.5 Contractor agrees to obtain executed indemnity agreements with provisions identical to those set forth here in this Section 11 from each and every subcontractor, or any other person or entity involved by, for, with, or on behalf of Contractor in the performance of this Contract. Failure of City to monitor compliance with these requirements imposes no additional obligations on City and will in no way act as a waiver of any rights hereunder. 11.6 This Section 11 shall survive termination of the Contract. 12. INSURANCE Contractor shall comply with the Insurance Requirements, attached and incorporated here as Exhibit C, and must maintain the insurance for the Contract Time, or longer as required by City. City will not execute the Contract until City approves receipt of satisfactory certificates of insurance and endorsements evidencing the type, amount, class of operations covered, and the effective and expiration dates of coverage. Failure to comply with this provision may result in City, at its sole discretion and without notice, purchasing insurance for Contractor and deducting the costs from Contractor’s compensation or terminating the Contract. 13. COMPLIANCE WITH LAWS 13.1 General Laws. Contractor shall comply with all local, state, and federal laws and regulations applicable to this Contract. Contractor will promptly notify City of changes in the law or other conditions that may affect the Project or Contractor’s ability to perform. Contractor is responsible for verifying the employment authorization of employees performing the Work, as required by the Immigration Reform and Control Act. 13.2 Labor Laws. a. The following provisions apply to any Service Order of $1,000 or more: 4 Point Power, Inc., for Electrical On-Call Services On-Call Public Works Contract/ April 2024 Page 6 of 12 i.In General. For purposes of California labor law, this is a public works contract subject to the provisions of Part 7 of Division 2 of the California Labor Code (Sections 1720 et seq.). In accordance with Labor Code Section 1771, Contractor and all subcontractors shall pay not less than current prevailing wage rates as determined by the California Department of Industrial Relations (“DIR”) to all workers employed on this project. In accordance with Labor Code Section 1815, Contractor and all subcontractors shall pay all workers employed on this project 1 ½ the basic rate of pay for work performed in excess specified hour limitations. The work performed pursuant to this Contract is subject to compliance monitoring and enforcement by the Department of Industrial Relations. ii.Registration. Contractor and all subcontractors shall not engage in the performance of any work under this Contract unless currently registered and qualified to perform public work pursuant to section 1725.5 of the California Labor Code. Contractor represents and warrants that it is registered and qualified to perform public work pursuant to section 1725.5 of the Labor Code and will provide its DIR registration number, along with the registration numbers of any subcontractors as required, to the City. iii.Posting. Contractor shall post at the job site the determination of the DIR director of the prevailing rate of per diem wages together with all job notices that are required by regulations of the DIR. iv.Reporting. Contractor and any subcontractors shall keep accurate payroll records in accordance with Section 1776 of the Labor Code and shall furnish the payroll records directly to the Labor Commissioner in accordance with the law. v.Report on Prevailing Rate of Wages. The City has obtained the general prevailing rate of per diem wages in the vicinity of the project for each type of worker needed, a copy of which is on file at the City of Cupertino City Hall, and shall be made available to any interested party upon request. vi.Employment of Apprentices. Contractor’s attention is directed to the provisions in Sections 1777.5 and 1777.6 of the Labor Code concerning the employment of apprentices by the Contractor or any subcontractor. It shall be the responsibility of the Contractor to effectuate compliance on the part of itself and any subcontractors with the requirements of said sections in the employment of apprentices. Information relative to apprenticeship standards, wage schedules, and other requirements may be obtained from the Director of Industrial Relations, ex-officio the Administrator of Apprenticeship, San Francisco, California, or from the Division of Apprenticeship Standards and its branch offices. vii.Penalties. Contractor’s attention is directed to provisions in Labor Code Sections 1775 and 1813. In accordance with Labor Code Section 1775, Contractor and subcontractors may be subject to penalties for Contractor’s and subcontractors’ failure to pay prevailing wage rates. In accordance with Labor Code Section 1813, Contractor or subcontractors may be subject to penalties for Contractor’s or subcontractors’ failure to pay overtime pay rates for hours worked by workers employed on this project in excess specified hour limitations. b. Contractor must compensate workers who are paid less than prevailing wages or required to work more than a legal day’s work. Contractor will also be required to pay City a penalty of $200.00 per worker for each day of violation. c. As required by Labor Code Section 1861, by signing this Contract Contractor certifies as follows: “I am aware of the provisions of Section 3700 of the Labor Code which require 4 Point Power, Inc., for Electrical On-Call Services On-Call Public Works Contract/ April 2024 Page 7 of 12 every employer to be insured against liability for workers’ compensation or to undertake self- insurance in accordance with the provisions of that code, and I will comply with such provisions before commencing the work of this contract.” 13.3 Discrimination Laws. Contractor shall not discriminate on the basis of race, religious creed, color, ancestry, national origin, ethnicity, handicap, disability, marital status, pregnancy, age, sex, gender, sexual orientation, gender identity, Acquired-Immune Deficiency Syndrome (AIDS), or any other protected classification. Contractor shall comply with all anti-discrimination laws, including Government Code Sections 12900 and 11135, and Labor Code Sections 1735, 1777, and 3077.5. Consistent with City policy prohibiting harassment and discrimination, Contractor understands that harassment and discrimination directed toward a job applicant, an employee, a City employee, or any other person, by Contractor or Contractor’s employees or subcontractors will not be tolerated. Contractor agrees to provide records and documentation to the City on request necessary to monitor compliance with this provision. 13.4 Conflicts of Interest. Contractor, its employees, subcontractors, servants, and agents, may not have, maintain, or acquire a conflict of interest in relation to this Contract in violation of law, including Government Code section 1090 and Government Code section 81000 and their accompanying regulations. No officer, official, employee, consultant, or other agent of the City (“City Representative”) may have, maintain, or acquire a “financial interest” in the Contract, as that term is defined by state law, or in violation of a City ordinance or policy while serving as a City Representative or for one year thereafter. Contractor, its employees, subcontractors, servants, and agents warrant they are not employees of City nor do they have any relationship with City officials, officers, or employees that creates a conflict of interest. Contractor may be required to file a conflict of interest form if it makes certain governmental decisions or serves in a staff capacity, as defined in Section 18700 of Title 2 of the California Code of Regulations. Contractor agrees to abide by City rules governing gifts to public officials and employees. 13.5 Remedies. Any violation of this Section 13 constitutes a material breach and may result in City suspending payments, requiring reimbursements, or terminating this Contract. City reserves all other rights and remedies available under the law and this Contract, including the right to seek indemnification under Section 11 of this Contract. 14. BONDS For any Service Order of $25,000 or more, Contractor must obtain a payment bond and a performance bond, each in the penal sum of 100% of the compensation pursuant to the Service Order, using the Bond Forms attached and incorporated here as Exhibit D. Each bond must be issued by a surety admitted in California, with a financial rating from A.M. Best Company of Class A- or higher, or as otherwise acceptable to City. If an issuing surety cancels a bond or becomes insolvent, Contractor must provide a substitute bond from a surety acceptable to City within seven (7) calendar days after written notice from City. If Contractor fails to do so, City may in its sole discretion and without prior notice, purchase bonds at Contractor’s expense, deduct the cost from payments due Contractor, or terminate the Service Order or Contract. City will not authorize work under a Service Order until the required bonds are submitted. 4 Point Power, Inc., for Electrical On-Call Services On-Call Public Works Contract/ April 2024 Page 8 of 12 15. UTILITIES, TRENCHING, AND EXCAVATION 15.1 Contractor must call the Underground Service Alert (“USA”) 811 hotline and request marking of utility locations before digging or commencing Work. For underground service alerts for street lighting and traffic signal conduits, City’s Service Center must be called at (408) 777- 3269. Government Code Section 4215 requires Contractor to notify City and Utility in writing if it discovers utilities or utility facilities not identified in the Contract. 15.2 Pursuant to Government Code Section 7104, Contractor must stop work, notify City in writing, and wait for instructions if one of the conditions below is found at the worksite. City will work with Contractor to amend the Contract or issue a change order if the discovered conditions materially change the Work/Performance, Contract Time or Contract Price. (a) Material believed to be hazardous waste under Health and Safety Code Section 25117, and which requires removal to a Class I, Class II, or Class III disposal site pursuant to law; (b) Subsurface or latent physical conditions at the Project worksite differing from those indicated by information about the worksite made available to Contractor; and (c) Unknown physical conditions at the Project worksite of any unusual nature, materially different from those ordinarily encountered and from those generally recognized as inherent in the character of the Work. 15.3 For Service Orders where compensation is $25,000 or higher that require excavation or involve trenches five feet or more in depth, Contractor must submit a detailed plan for City approval, per Labor Code Section 6705, prior to commencing work. The plan must show the design of shoring, bracing, sloping, and other provisions for worker protection from caving ground and other hazards. The protective system must comply with all Construction Safety Orders. If the plan varies from shoring system standards, it must be prepared by a registered civil or structural engineer. 16. URBAN RUNOFF MANAGEMENT 16.1 All Work must fully comply with federal, state, and local laws and regulations concerning storm water management. Contractor must avoid creating excess dust when breaking asphalt or concrete and during excavation and grading. If water is used for dust control, Contractor will use only the amount of water necessary to dampen the dust. Contractor will take all steps necessary to keep wash water out of the streets, gutters, and storm drains. Prior to the start of the Work, Contractor will implement erosion and sediment controls to prevent pollution of storm drains, and must upgrade and maintain these controls based on weather conditions or as otherwise required by City. These controls must be in place during the entire Contract Time and must be removed at the end of construction and completion of the Work. Such controls must include, but will not be limited to, the following requirements: (a) Install storm drain inlet protection devices such as sand bag barriers, filter fabric fences, and block and gravel filters at all drain inlets impacted by construction. During the annual rainy season, October 15 through June 15, storm drain inlets impacted by construction work must be filter-protected from onsite de-watering activities and saw-cutting activities. Shovel or vacuum saw-cut slurry and remove from the Work site; (b) Cover exposed piles of soil or construction material with plastic sheeting. Store all construction materials in containers; 4 Point Power, Inc., for Electrical On-Call Services On-Call Public Works Contract/ April 2024 Page 9 of 12 (c) Sweep and remove all materials from paved surfaces that drain to streets, gutters and storm drains prior to rain and at the end of each work day. When the Work is completed, wash the streets, collect and dispose of the wash water offsite in lawful manner; (d) After breaking old pavement, remove debris to avoid contact with rainfall/runoff; (e) Maintain a clean work area by removing trash, litter, and debris at the end of each work day and when Work is completed. Clean up any leaks, drips, and other spills as they occur. These requirements must be used in conjunction with the California Stormwater Quality Association and California Best Management Practices Municipal and Construction Handbooks, local program guidance materials from municipalities, and any other applicable documents on stormwater quality controls for construction. Contractor’s failure to comply with this Section will result in the issuance of noncompliance notices, citations, Work stop orders and regulatory fines. 17. PROJECT COORDINATION City Project Manager. The City assigns Nathan Vasquez as the City’s representative for all purposes under this Contract, with authority to oversee the progress and performance of the Scope of Work. City reserves the right to substitute another Project manager at any time, and without prior notice to Contractor. Contractor Project Manager. Subject to City approval, Contractor assigns Paula Herrera as its single Representative for all purposes under this Contract, with authority to oversee the progress and performance of the Work. Contractor’s Project manager is responsible for coordinating and scheduling the Work in accordance with City instructions, service orders, and the Schedule of Performance. Contractor must regularly update the City’s project manager about the status, progress and any delays with the work. City’s written approval is required prior to Contractor substituting a new Representative which shall result in no additional costs to City. 18. ABANDONMENT AND TERMINATION 18.1 City may abandon or postpone the Work or parts thereof at any time. Contractor will be compensated for satisfactory Work performed through the date of abandonment and will be given reasonable time to close out Work under a Service Order. With City’s pre-approval in writing, the time spent in closing out Work under a Service Order will be compensated up to ten percent (10%) of the total time expended in performing the Work. 18.2 City may terminate the Contract for cause or without cause at any time. Contractor will be paid for satisfactory Work rendered through the termination date and will be given reasonable time to close out the Work. 18.3 Final payment will not be made until Contractor delivers the Work and provides records documenting the Work, products, and deliverables completed. 19. GOVERNING LAW, VENUE, AND DISPUTE RESOLUTION This Contract is governed by the laws of State of California. Venue for any legal action shall be the Superior Court of the County of Santa Clara, California. The dispute resolution procedures of Public Contract Code Section 20104, et seq., incorporated here by reference, apply to this Contract and 4 Point Power, Inc., for Electrical On-Call Services On-Call Public Works Contract/ April 2024 Page 10 of 12 Contractor is required to continue the Work pending resolution of any dispute. Prior to filing a lawsuit, Contractor must comply with the claim filing requirements of the California Government Code. If the Parties elect arbitration, the arbitrator’s award must be supported by law and substantial evidence and include detailed written findings of law and fact. 20. ATTORNEY FEES If City initiates legal action, files a complaint or cross-complaint, or pursues arbitration, appeal, or other proceedings to enforce its rights or a judgment in connection with this Contract, the prevailing party will be entitled to reasonable attorney fees and costs. 21. SIGNS/ADVERTISEMENTS No signs may be displayed on or about City’s property, except signage which is required by law or by the Contract, without City’s prior written approval as to size, design and location. 22. THIRD PARTY BENEFICIARIES There are no intended third party beneficiaries of this Contract. 23. WAIVER Neither acceptance of the Work nor payment thereof shall constitute a waiver of any contract provision. City’s waiver of a breach shall not constitute waiver of another provision or breach. 24. WARRANTY Contractor warrants that materials and equipment used will be new, of good quality, and free from defective workmanship and materials, and that the Work will be free from material defects not intrinsic in the design or materials. All Work, materials, and equipment should pass to City free of claims, liens, or encumbrances. Contractor warrants the Work and materials for one year from the date of City’s acceptance of the Work as complete (“Warranty Period”), except when a longer guarantee is provided by a supplier, manufacturer or is required by this Contract. During the Warranty Period, Contractor will repair or replace any Work defects or materials, including damage that arises from Contractor’s Warranty Work, except any wear and tear or damage resulting from improper use or maintenance. 25. ENTIRE AGREEMENT This Contract and the attachments, documents, and statutes attached, referenced, or expressly incorporated herein, including authorized amendments or change orders constitute the final and complete contract between City and Contractor with respect to the Work and the Project. No oral contract or implied covenant will be enforceable against City. If there is any inconsistency between any term, clause, or provision of the main Contract and any term, clause, or provision of the attachments or exhibits thereto, the terms of the main Contract shall prevail and be controlling. 26. SEVERABILITY/PARTIAL INVALIDITY If a court finds any term or provision of this Contract to be illegal, invalid, or unenforceable, the 4 Point Power, Inc., for Electrical On-Call Services On-Call Public Works Contract/ April 2024 Page 11 of 12 legal portion of said provision and all other contract provisions will remain in full force and effect. 27. SURVIVAL The contract provisions which by their nature should survive the Contract or Completion of Project, including without limitation all provisions regarding warranties, indemnities, payment obligations, insurance, and bonds, shall remain in full force and effect after the Work is completed or Contract ends. 28. INSERTED PROVISIONS Each provision and clause required by law for this Contract is deemed to be included and will be inferred herein. Either party may request an amendment to cure mistaken insertions or omissions of required provisions. The Parties will collaborate to implement this Section, as appropriate. 29. HEADINGS The headings in this Contract are for convenience only, are not a part of the Contract and in no way affect, limit, or amplify the terms or provisions of this Contract. 30. COUNTERPARTS This Contract may be executed in counterparts, each of which is an original and all of which taken together shall form one single document. 31. NOTICES All notices, requests and approvals must be sent in writing to the persons below, which will be considered effective on the date of personal delivery or the date confirmed by a reputable overnight delivery service, on the fifth (5th) calendar day after deposit in the United States Mail, postage prepaid, registered or certified, or the next business day following electronic submission: To City of Cupertino Office of the City Manager 10300 Torre Ave. Cupertino, CA 95014 Attention: Nathan Vasquez Email: NathanV@cupertino.org To Contractor: 4 Point Power, Inc. 1313 N Milpitas Blvd, Suite 161 Milpitas, CA 95035 Attention: Paula Herrera Email: paula@4pointpowerinc.com 32. EXECUTION The persons signing below warrant they have the authority to enter into this Contract and to legally bind their respective Parties. If Contractor is a corporation, signatures from two officers of the corporation are required pursuant to California Corporations Code Section 313. This Contract may be executed in counterparts, each one of which is deemed an original and all of which, taken together, constitute a single binding instrument. 4 Point Power, Inc., for Electrical On-Call Services On-Call Public Works Contract/ April 2024 Page 12 of 12 IN WITNESS WHEREOF, the parties have caused the Contract to be executed. CITY OF CUPERTINO A Municipal Corporation By Name Title Date 4 POINT POWER, INC. By Name Title Date APPROVED AS TO FORM: FLOY ANDREWS Interim City Attorney ATTEST: KIRSTEN SQUARCIA City Clerk Date Louis Herrera Louis Herrera CFO Apr 22, 2025 Chad Mosley Director of Public Works Apr 24, 2025 Apr 24, 2025 EXHIBIT A SCOPE OF WORK A. GENERAL REQUIREMENT A. The Contractor shall furnish all labor, tools, transportation, supplies, equipment, materials, and supervision necessary to perform the work as described in this section. B. All work shall be done in a first class, complete and workmanlike manner, confirming to best industry practices and applicable original manufacturer specifications. C. Contractor shall be responsible for initiating, maintaining, and supervising all safety precautions in connection with the work and shall comply with all applicable safety laws, best industry standards, and take all reasonable precautions for safety of the public, City employees and other persons on or about the property. D. Contractor shall possess a valid/current Contractor’s license, if applicable. E. The City’s normal (standard) working hours for this contract shall be from 6:00am to 3:30pm Monday through Thursday and 6:00am to 2:30pm on Friday. F. Contractor is to comply with all codes and regulations having jurisdiction for work to be performed under this contract. Project conditions will be identified individually. When contacted, Contractor may be required to meet with the project manager on site and receive a scope of work for the project. Contractor is required to have the capability to perform all work requested at multiple locations throughout the City in a timely manner. G. The services are to be provided on an “as-needed” basis pursuant to the issuance of Service Order for specific sites during the term of the contract or to be provided during an emergency. H. All scheduled work with the City will require a written quote and schedule to be submitted prior to start of work. I. Each worker performing Work under this Contract shall be paid at a rate not less than the prevailing wage as defined in Sections 1771 and 1774 of the Labor Code for Service Order greater than $1,000, if applicable. The prevailing wage rates are available online at http://www.dir.ca.gov/dlsr. Contractor shall post a copy of the applicable prevailing rates at the Worksite. Responsibilities of the Contractor include, but are not limited to, the following: Troubleshooting and repairing the electrical system and components by performing a variety of tasks including, but not limited to, laying out, installing, replacing, wiring and testing electrical service and electrical wire systems and components used to provide heat, light, power, air conditioning, and refrigeration in municipal buildings and facilities. Services may also include installing and repairing conduit and other materials; connecting electrical machinery, equipment and controls and transmission systems and servicing other electrical related issues as they arise and services necessary to ensure safe, well maintained electrical systems for City employees and the public. The scope and number of projects and tasks are unknown at the time of contract execution. Please Attach Time and Materials Rate Sheets EFFECTIVE July 1, 2024 to June 30, 2025 Hourly Rate  Reg: 6:00 A.M. to 3:30 P.M. $ 186.38  Overtime $ 229.96  Double Time $ 273.12  Saturday to Sunday $ 273.12  Holiday $ 273.12  Shift work starts at 3:30 P.M. to 12:00 A.M. $ 186.38 + 10%  Shift work starts at 12:00 A.M. to 8:00 A.M. $ 186.38 + 15%  Emergency on-call $ 273.12 CITY OF CUPERTINO MASTER AGREEMENT CONSULTANT SERVICES SERVICE ORDER NO. MA Date:Master Agreement Contract #: Maximum Compensation: Consultant:Firm Name: Address: Contact: Ph: Description: (simple project description if appropriate) Attachment A: Includes Description of Project, Scope of Service, Schedule of Performance and Compensation City Project Management Managing Department: Public Works Project Manager: SO Acc't #:PO #: Project #:Date: Approvals Signatures: Date: Date: Appropriation Certification: I hereby certify that an unexpended appropriation is available in the above fund for the above contract as estimated and that fund are available as of this date of signature City Finance:Date: Encumbrance this Service Order: MA End Date: Consultant/ Contractor Manager/ Supervisor: Management Analyst Master Agreement Maximum Compensation: Master Agreement Unencumbered Balance: Total Previously Encumbered to Date: City of Cupertino Master Agreement Service Order 191002 Exhibit B n Choose Insurance Requirements for On-Call Public Works Construction Contracts Version: August 2024 1 Contractor shall procure and maintain for the duration of the contract, and for five years following the completion of the Project, insurance against claims for injuries to persons or damages to property which may arise from or in connection with the performance of the work hereunder by Contractor, its agents, representatives, employees or subcontractors. MINIMUM SCOPE AND LIMIT OF INSURANCE Coverage shall be at least as broad as: 1. Commercial General Liability (“CGL”): Insurance Services Office (ISO) Form CG 00 01 covering CGL on an “occurrence” basis, written on a comprehensive general liability form, and must include coverage for liability arising from Contractor’s or Subcontractor’s acts or omissions, including Contractor’s protected coverage, blanket contractual, products and completed operations, vehicle coverage and employer’s non-ownership liability coverage, with limits of at least $2,000,000 per occurrence. The CGL policy must protect against any and all liability for personal injury, death, property damage or destruction, and personal and advertising injury. If a general aggregate limit applies, either the general aggregate limit shall apply separately to this project/location (ISO CG 25 03 or 25 04) or the general aggregate limit shall be twice the required occurrence limit. a. It shall be a requirement under this agreement that any available insurance proceeds broader than or in excess of the specified minimum insurance coverage requirements and/or limits shall be made available to the Additional Insured and shall be (1) the minimum coverage/limits specified in this agreement; or (2) the broader coverage and maximum limits of coverage of any insurance policy, whichever is greater. b. Additional Insured coverage under Contractor's policy shall be "primary and non-contributory," will not seek contribution from City’s insurance/self-insurance, and shall be at least as broad as ISO CG 20 10 04 13 c. The limits of insurance required may be satisfied by a combination of primary and umbrella or excess insurance, provided each policy complies with the requirements set forth in this Contract. Any umbrella or excess insurance shall contain or be endorsed to contain a provision that such coverage shall also apply on a primary basis for the benefit of City before the City’s own insurance or self-insurance shall be called upon to protect City as a named insured. 2. Automobile Liability: ISO Form CA 00 01 covering any auto (Code 1), or if Contractor has no owned autos, then hired autos (Code 8) and non-owned autos (Code 9), with limit no less than $1,000,000 per accident for bodily injury and property damage. 3. Workers’ Compensation: As required by the State of California, with Statutory Limits, and Employer’s Liability Insurance of no less than $1,000,000 per accident for bodily injury or disease, or as otherwise required by statute. If Contractor is self-insured, Contractor must provide a Certificate of Permission to Self-Insure, duly authorized by the DIR. ☐ N/A if box checked (Contractor provides written verification it has no employees). 4. Professional Liability with limits no less than $1,000,000 per occurrence or claim, and $2,000,000 aggregate. ☒ N/A if box checked (Contract is not design/build).. 5. Builder’s Risk. Course of Construction insurance utilizing an “All Risk” (Special Perils) coverage form, with limits equal to the completed value of the project and no coinsurance penalty provisions. ON-CALL PUBLIC WORKS CONSTRUCTION CONTRACTS Insurance Requirements: Exhibit C Insurance Requirements for On-Call Public Works Construction Contracts Version: August 2024 2 ☒ N/A if box checked (Project does not involve construction or improvements/installations to property). 6. Contractors’ Pollution Legal Liability and/or Asbestos Legal Liability and/or Errors and Omissions with limits no less than $1,000,000 per occurrence or claim, and $2,000,000 policy aggregate. ☐ N/A if box checked (Project does not involve environmental hazards) If Contractor maintains broader coverage and/or higher limits than the minimums shown above, City requires and shall be entitled to the broader coverage and/or higher limits maintained by the contractor. Any available insurance proceeds in excess of the specified minimum limits of insurance and coverage shall be available to the City. Self-Insured Retentions. Self-insured retentions must be declared to and approved by City. At City’s option, either: (1) Contractor shall cause the insurer to reduce or eliminate self-insured retentions as respects City, its officers, officials, employees, and volunteers; or (2) Contractor shall provide a financial guarantee satisfactory to City guaranteeing payment of losses and related investigations, claim administration, and defense expenses. The policy language shall provide, or be endorsed to provide, that the self-insured retention may be satisfied by either the named insured or the City. OTHER INSURANCE PROVISIONS The insurance policies are to contain, or be endorsed to contain, the following provisions: Additional Insured Status The City of Cupertino, its City Council, officers, officials, employees, agents, servants and volunteers are to be covered as additional insureds on the CGL and automobile liability policies with respect to liability arising out of the Services performed by or on behalf of Contractor including materials, parts, or equipment furnished. Endorsement of CGL coverage shall be at least as broad as ISO Form CG 20 10 11 85 or if not available, through the addition of both CG 20 10, CG 20 26, CG 20 33, or CG 20 38; and CG 20 37 if a later edition is used. Primary Coverage For any claims related to this Project, Contractor’s insurance coverage shall be “primary and non-contributory” and at least as broad as ISO CG 20 01 04 13 with respect to City, its officers, officials, employees and volunteers, and shall not seek contribution from City’s insurance. If the limits of insurance are satisfied in part by Umbrella/Excess Insurance, the Umbrella/Excess Insurance shall contain or be endorsed to contain a provision that such coverage shall also apply on a “primary and non-contributory” basis for the benefit of City. Notice of Cancellation Each insurance policy required shall provide that coverage shall not be canceled, except with notice to the City. Each certificate of insurance must state that the coverage afforded by the policy is in force and will not be reduced, cancelled or allowed to expire without at least 30 days advance written notice to City, unless due to non-payment of premiums, in which case ten days advance written notice must be provided to City. Such notice must be sent to City via certified mail and addressed to the attention of the City Manager. Builder’s Risk Contractor may submit Builder’s Risk insurance in the form of Course of Construction coverage, which shall name the City as a loss payee, as its interest may appear. The Builder’s Risk policy must be issued on an occurrence basis, for all-risk coverage on a 100% completed value basis on the insurable portion of the Project, with no coinsurance penalties, and for the benefit of City. If the Project does not involve new or major reconstruction, City may elect, acting in its sole discretion, to accept an Installation Floater policy instead of Builder’s Risk. For such projects, the Property Installation Floater shall include improvement, remodel, modification, alteration, conversion or adjustment to existing buildings, structures, processes, machinery and equipment, and shall provide property damage coverage for any Insurance Requirements for On-Call Public Works Construction Contracts Version: August 2024 3 building, structure, machinery or equipment damaged, impaired, broken, or destroyed during the performance of the Work, including during transit, installation, and testing at the City’s site. Waiver of Subrogation Each required policy must include an endorsement providing that the carrier agrees to waive any right of subrogation it may have against City. Contractor agrees to waive rights of subrogation which any insurer of Contractor may acquire from Contractor by virtue of the payment of any loss. Contractor agrees to obtain any endorsement that may be necessary to affect this waiver of subrogation. The Workers’ Compensation policy shall be endorsed with a waiver of subrogation in favor of the City for all work performed by the Contractor, its employees, agents and subcontractors. Acceptability of Insurers Insurance shall be placed with insurers admitted in the State of California and with an AM Best rating of A- VII or higher. Verification of Coverage Contractor shall furnish the City with original certificates and amendatory endorsements, or copies of the applicable insurance language, effecting coverage required by this contract. All certificates and endorsements are to be received and approved by the City before work commences. The City reserves the right to require complete, certified copies of all required insurance policies, including endorsements, required by these specifications, at any time. Subcontractors Contractor shall require and verify that all subcontractors maintain insurance meeting all the requirements stated herein, and Contractor shall ensure that City is an additional insured on insurance required from subcontractors. For CGL coverage subcontractors shall provide coverage with a form at least as broad as CG 20 38 04 13. Surety Bonds As required by Contract and described in the Contract Documents. The Payment and Performance Bonds shall be in a sum equal to the applicable Service Order Price. If the Performance Bond provides for a one-year warranty a separate Maintenance Bond is not necessary. If the warranty period specified in the Contract is for longer than one year a Maintenance Bond equal to 10% of the Contract Price is required. Bonds shall be duly executed by a responsible corporate surety, authorized to issue such bonds in the State of California and secured through an authorized agent with an office in California. Special Risks or Circumstances City reserves the right to modify these requirements, based on the nature of the risk, prior experience, insurer, coverage, or other circumstances. <Project Title> 2021 Form PAYMENT BOND <Project Number> Page 30 Payment Bond <________________________________> (“City”) and ________________________ (“Contractor”) have entered into a contract for work on the <_________________________________________________> Project (“Project”). The Contract is incorporated by reference into this Payment Bond (“Bond”). 1. General. Under this Bond, Contractor as principal and ____________________________, its surety (“Surety”), are bound to City as obligee in an amount not less than $_________________, under California Civil Code § 9550 et seq., to ensure payment to authorized claimants. This Bond is binding on the respective successors, assigns, owners, heirs, or executors of Surety and Contractor. 2. Surety’s Obligation. If Contractor or any of its Subcontractors fails to pay a person authorized in California Civil Code § 9100 to assert a claim against a payment bond, any amounts due under the Unemployment Insurance Code with respect to work or labor performed under the Contract, or any amounts required to be deducted, withheld, and paid over to the Employment Development Department from the wages of employees of Contractor and its Subcontractors under California Unemployment Insurance Code § 13020 with respect to the work and labor, then Surety will pay the obligation. 3. Beneficiaries. This Bond inures to the benefit of any of the persons named in California Civil Code § 9100, so as to give a right of action to those persons or their assigns in any suit brought upon this Bond. Contractor must promptly provide a copy of this Bond upon request by any person with legal rights under this Bond. 4. Duration. If Contractor promptly makes payment of all sums for all labor, materials, and equipment furnished for use in the performance of the Work required by the Contract, in conformance with the time requirements set forth in the Contract and as required by California law, Surety’s obligations under this Bond will be null and void. Otherwise, Surety’s obligations will remain in full force and effect. 5. Waivers. Surety waives any requirement to be notified of alterations to the Contract or extensions of time for performance of the Work under the Contract. Surety waives the provisions of Civil Code §§ 2819 and 2845. City waives the requirement of a new bond for any supplemental contract under Civil Code § 9550. Any notice to Surety may be given in the manner specified in the Contract and delivered or transmitted to Surety as follows: Attn: _____________________________________________________ Address: __________________________________________________ City/State/Zip: ______________________________________________ Phone: ___________________________________________________ Email: ____________________________________________________ 6. Law and Venue. This Bond will be governed by California law, and venue for any dispute pursuant to this Bond will be in the <__________________> County Superior Court, and no other place. Surety will be responsible for City’s attorneys’ fees and costs in any action to enforce the provisions of this Bond. [Signatures are on the following page.] <Project Title> 2021 Form PAYMENT BOND <Project Number> Page 31 7. Effective Date; Execution. This Bond is entered into and is effective on __________, 20__. SURETY: ___________________________________ Business Name s/__________________________________ ______________________________ Date ___________________________________ Name, Title (Attach Acknowledgment with Notary Seal and Power of Attorney) CONTRACTOR: ___________________________________ Business Name s/__________________________________ ______________________________ Date ___________________________________ Name, Title END OF PAYMENT BOND <Project Title> 2021 Form PERFORMANCE BOND <Project Number> Page 32 Performance Bond <______________________________> (“City”) and __________________________ (“Contractor”) have entered into a contract for work on the <_______________________________________________> Project (“Project”). The Contract is incorporated by reference into this Performance Bond (“Bond”). 1. General. Under this Bond, Contractor as Principal and ___________________________, its surety (“Surety”), are bound to City as obligee for an amount not less than $__________________ to ensure Contractor’s faithful performance of its obligations under the Contract. This Bond is binding on the respective successors, assigns, owners, heirs, or executors of Surety and Contractor. 2. Surety’s Obligations. Surety’s obligations are co-extensive with Contractor’s obligations under the Contract. If Contractor fully performs its obligations under the Contract, including its warranty obligations under the Contract, Surety’s obligations under this Bond will become null and void. Otherwise, Surety’s obligations will remain in full force and effect. 3. Waiver. Surety waives any requirement to be notified of and further consents to any alterations to the Contract made under the applicable provisions of the Contract Documents, including changes to the scope of Work or extensions of time for performance of Work under the Contract. Surety waives the provisions of Civil Code §§ 2819 and 2845. 4. Application of Contract Balance. Upon making a demand on this Bond for completion of the Work prior to acceptance of the Project, City will make the Contract Balance available to Surety for completion of the Work under the Contract. For purposes of this provision, the Contract Balance is defined as the total amount payable by City to Contractor as the Contract Price minus amounts already paid to Contractor, and minus any liquidated damages, credits, or backcharges to which City is entitled under the terms of the Contract. 5. Contractor Default. Upon written notification from City of Contractor’s termination for default under Article 13 of the Contract General Conditions, time being of the essence, Surety must act within the time specified in Article 13 to remedy the default through one of the following courses of action: 5.1 Arrange for completion of the Work under the Contract by Contractor, with City’s consent, but only if Contractor is in default solely due to its financial inability to complete the Work; 5.2 Arrange for completion of the Work under the Contract by a qualified contractor acceptable to City, and secured by performance and payment bonds issued by an admitted surety as required by the Contract Documents, at Surety’s expense; or 5.3 Waive its right to complete the Work under the Contract and reimburse City the amount of City’s costs to have the remaining Work completed. 6. Surety Default. If Surety defaults on its obligations under the Bond, City will be entitled to recover all costs it incurs due to Surety’s default, including legal, design professional, or delay costs. 7. Notice. Any notice to Surety may be given in the manner specified in the Contract and sent to Surety as follows: Attn: _____________________________________________________ <Project Title> 2021 Form PERFORMANCE BOND <Project Number> Page 33 Address: __________________________________________________ City/State/Zip: ______________________________________________ Phone: ___________________________________________________ Fax: ______________________________________________________ Email: ____________________________________________________ 8. Law and Venue. This Bond will be governed by California law, and venue for any dispute pursuant to this Bond will be in the <___________> County Superior Court, and no other place. Surety will be responsible for City’s attorneys’ fees and costs in any action to enforce the provisions of this Bond. 9. Effective Date; Execution. This Bond is entered into and effective on ____________________, 20___. SURETY: ___________________________________ Business Name s/__________________________________ ______________________________ Date ___________________________________ Name, Title (Attach Acknowledgment with Notary Seal and Power of Attorney) CONTRACTOR: ___________________________________ Business Name s/__________________________________ ______________________________ Date ___________________________________ Name, Title END OF PERFORMANCE BOND SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. INSURER(S) AFFORDING COVERAGE INSURER F : INSURER E : INSURER D : INSURER C : INSURER B : INSURER A : NAIC # NAME:CONTACT (A/C, No):FAX E-MAILADDRESS: PRODUCER (A/C, No, Ext):PHONE INSURED REVISION NUMBER:CERTIFICATE NUMBER:COVERAGES IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. OTHER: (Per accident) (Ea accident) $ $ N / A SUBR WVD ADDL INSD THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. $ $ $ $PROPERTY DAMAGE BODILY INJURY (Per accident) BODILY INJURY (Per person) COMBINED SINGLE LIMIT AUTOS ONLY AUTOSAUTOS ONLY NON-OWNED SCHEDULEDOWNED ANY AUTO AUTOMOBILE LIABILITY Y / N WORKERS COMPENSATION AND EMPLOYERS' LIABILITY OFFICER/MEMBER EXCLUDED? (Mandatory in NH) DESCRIPTION OF OPERATIONS below If yes, describe under ANY PROPRIETOR/PARTNER/EXECUTIVE $ $ $ E.L. DISEASE - POLICY LIMIT E.L. DISEASE - EA EMPLOYEE E.L. EACH ACCIDENT EROTH-STATUTEPER LIMITS(MM/DD/YYYY)POLICY EXP(MM/DD/YYYY)POLICY EFFPOLICY NUMBERTYPE OF INSURANCELTRINSR DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) EXCESS LIAB UMBRELLA LIAB $EACH OCCURRENCE $AGGREGATE $ OCCUR CLAIMS-MADE DED RETENTION $ $PRODUCTS - COMP/OP AGG $GENERAL AGGREGATE $PERSONAL & ADV INJURY $MED EXP (Any one person) $EACH OCCURRENCE DAMAGE TO RENTED $PREMISES (Ea occurrence) COMMERCIAL GENERAL LIABILITY CLAIMS-MADE OCCUR GEN'L AGGREGATE LIMIT APPLIES PER: POLICY PRO-JECT LOC CERTIFICATE OF LIABILITY INSURANCE DATE (MM/DD/YYYY) CANCELLATION AUTHORIZED REPRESENTATIVE ACORD 25 (2016/03) © 1988-2015 ACORD CORPORATION. All rights reserved. CERTIFICATE HOLDER The ACORD name and logo are registered marks of ACORD HIRED AUTOS ONLY 10/14/2024 Acrisure Partners West Coast Insurance Services,LLC 1950 W Corporate Way #1 Anaheim CA 92801 408-350-5700 License#:6009644 Valley Forge Insurance Company 20508 4POINTP-01 Travelers Casualty Insurance Company of America 190464PointPower,Inc. 1313 N.Milpitas Blvd,Suite 161 Milpitas CA 95035 Continental Casualty Company 20443 879508509 A X 1,000,000 X 300,000 10,000 1,000,000 2,000,000 X X Y Y 7038572189 10/17/2024 10/17/2025 2,000,000 B 1,000,000 X X X Y Y BA2X945887 9/20/2024 9/20/2025 C X X 2,000,000703857219210/17/2024 10/17/2025 2,000,000 X 10,000 City of Cupertino and all parties as required by written contract are named as additional insured. City of Cupertino 10300 Torre Avenue Cupertino CA 95014 USA COMMERCIAL AUTO THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BLANKET ADDITIONAL INSURED – PRIMARY AND NON-CONTRIBUTORY WITH OTHER INSURANCE – CONTRACTORS This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM CA T4 99 02 16 © 2016 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc. with its permission. Page 1 of 1 PROVISIONS 1.The following is added to Paragraph c. in A.1., Who Is An Insured, of SECTION Il – COVERED AUTOS LIABILITY COVERAGE: This includes any person or organization who you are required under a written contract or agreement, that is signed by you before the "bodily injury" or "property damage" occurs and that is in effect during the policy period, to name as an additional insured for Covered Autos Liability Coverage, but only for damages to which this insurance applies and only to the extent of that person's or organization's liability for the conduct of another "insured". 2.The following is added to Paragraph B.5., Other Insurance of SECTION IV – BUSINESS AUTO CONDITIONS: Regardless of the provisions of paragraph a. and paragraph d. of this part 5. Other Insurance, this insurance is primary to and non-contributory with applicable other insurance under which an additional insured person or organization is a named insured when a written contract or agreement with you, that is signed by you before the "bodily injury" or "property damage" occurs and that is in effect during the policy period, requires this insurance to be primary and non- contributory. Policy Number: 810-002X945887 COMMERCIAL AUTO This endorsement modifies insurance provided under the following: AUTO DEALERS COVERAGE FORM BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM CA T3 40 02 15 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BLANKET WAIVER OF SUBROGATION Page 1 of 1© 2015 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc. with its permission. The following replaces Paragraph A.5., Transfer of Rights Of Recovery Against Others To Us, of the CONDITIONS Section: 5. Transfer Of Rights Of Recovery Against Oth- ers To Us We waive any right of recovery we may have against any person or organization to the extent required of you by a written contract executed prior to any "accident" or "loss", provided that the "accident" or "loss" arises out of the operations contemplated by such contract. The waiver ap- plies only to the person or organization desig- nated in such contract. Policy Number: 810-002X945887 BLANKET ADDITIONAL INSURED – OWNERS, LESSEES OR CONTRACTORS - WITH PRODUCTS COMPLETED OPERATIONS COVERAGE AND LIABILITY EXTENSION ENDORSEMENT This endorsement modifies insurance provided under the following: BUSINESSOWNERS LIABILITY COVERAGE PART BUSINESSOWNERS COMMON POLICY CONDITIONS TABLE OF CONTENTS I.Blanket Additional Insured – including Primary-Noncontributory provision II.Liability Extension Coverages A.Bodily Injury – Expanded Definition B.Broad Knowledge of Occurrence C.Estates, Legal Representatives and Spouses D.Fellow Employee First Aid E.Personal and Advertising Injury – Discrimination or Humiliation F.Personal and Advertising Injury – Broadened Eviction G.Waiver of Subrogation – Blanket H.Additional Insured – Extended Coverage I.BLANKET ADDITIONAL INSURED PROVISIONS A.Who Is An Insured is amended to include as an additional insured any person or organization whom you are required by “written contract" to add as an additional insured on the Businessowners Liability Coverage Form. B.The insurance provided to the additional insured is limited as follows: 1.The person or organization is an additional insured only with respect to liability for "bodily injury," "property damage," or "personal and advertising injury" caused in whole or in part by: a.Your acts or omissions; or b.The acts or omissions of those acting on your behalf in the performance of your ongoing operations specified in the “written contract”; or c.“Your work" that is specified in the written contract but only for "bodily injury" or "property damage" included in the products completed operations hazard, and only if : (1)The “written contract” requires you to provide the additional insured such coverage; and (2)This Coverage Part provides such coverage. 2.Subject always to the terms and conditions of this policy, including the limits of insurance, we will not provide such additional insured with: a.Coverage broader than required by the “written contract”; Policy No: Endorsement No: Effective Date: SB146935E (10-19) Page 1 Insured Name: 4 Point Power, Inc. Copyright CNA All Rights Reserved. 7038572189 10/17/2024 b.A higher limit of insurance than required by the “written contract.” C.The insurance provided to the additional insured does not apply to "bodily Injury," "property damage," or "personal and advertising injury" arising out of: a.The rendering of, or the failure to render, any professional architectural, engineering, or surveying services, including: (1)The preparing approving, or failing to prepare or approve maps, shop drawings, opinions, reports, surveys, field orders, change orders or drawings and specifications; and (2)Supervisory, inspection, architectural or engineering activities; or b.Any premises or work for which the additional insured is specifically listed as an additional insured on another endorsement attached to this Policy. D.Notwithstanding anything to the contrary in the Other Insurance condition of the Businessowners Common Policy Conditions, this insurance is excess of all other insurance available to the additional insured, whether on a primary, excess, contingent or any other basis. But if required by the “written contract,” this insurance will be primary and non-contributory relative to insurance on which the additional insured is a Named Insured. E.Under Businessowners Liability Conditions, the Duties in the Event of Occurrence, Offense, Claim or Suit condition is amended to add the following additional conditions applicable to the additional insured is amended as follows: An additional insured under this endorsement will as soon as practicable: a.Give us written notice of an "occurrence" or an offense which may result in a claim or "suit" under this insurance, and of any claim or "suit" that does result; b.Tender the defense and indemnity of any claim or "suit" to any other insurer or self insurer whose policy or program applies to all loss we cover under this Policy; c.Except as provided in Paragraph B.3. of this endorsement, agree to make available any other insurance the additional insured has for a loss we cover under this Policy; and d.Send us copies of all legal papers received, and otherwise cooperate with us in the investigation, defense, or settlement of the claim or "suit." We have no duty to defend or indemnify an additional insured under this endorsement until we receive from the additional insured written notice of a claim or "suit." F.Under Liability and Medical Expense Definitions, the following definition is added: “Written contract” means a written contract or agreement that requires you to make a person or organization an additional insured on this policy, provided the contract or agreement: a.Is currently in effect or becomes effective during the term of this policy; and b.Was executed prior to: (1)The “bodily injury” or “property damage”; or (2)The offense that caused the “personal and advertising injury”; for which the additional insured seeks coverage. SB146935E (10-19) Policy No: Page 2 Endorsement No: Effective Date: Insured Name: Copyright CNA All Rights Reserved. 4 Point Power, Inc. 7038572189 10/17/2024 II.LIABILITY EXTENSION COVERAGES It is understood and agreed that this endorsement amends the Businessowners Liability Coverage Form. If any other endorsement attached to this policy amends any provision also amended by this endorsement, then that other endorsement controls with respect to such provision, and the changes made by this endorsement to such provision do not apply. A.Bodily Injury – Expanded Definition Under Liability and Medical Expenses Definitions, the definition of "Bodily Injury" is deleted and replaced with the following: "Bodily injury" means physical injury, sickness or disease sustained by a person, including death, humiliation, shock, mental anguish or mental injury by that person at any time which results as a consequence of the physical injury, sickness or disease. B.Broad Knowledge of Occurrence Under Businessowners Liability Conditions, the condition entitled Duties In The Event of Occurrence, Offense, Claim or Suit is amended to add the following: Paragraphs a. and b. apply to you or to any additional insured only when such "occurrence," offense, claim or "suit" is known to: (1)You or any additional insured that is an individual; (2)Any partner, if you or an additional insured is a partnership; (3)Any manager, if you or an additional insured is a limited liability company; (4)Any "executive officer" or insurance manager, if you or an additional insured is a corporation; (5)Any trustee, if you or an additional insured is a trust; or (6)Any elected or appointed official, if you or an additional insured is a political subdivision or public entity. This paragraph e. applies separately to you and any additional insured. C.Estates, Legal Representative and Spouses The estates, heirs, legal representatives and spouses of any natural person insured shall also be insured under this policy; provided, however, coverage is afforded to such estates, heirs, legal representatives and spouses only for claims arising solely out of their capacity as such and, in the case of a spouse, where such claim seeks damages from marital common property, jointly held property, or property transferred from such natural person insured to such spouse. No coverage is provided for any act, error or omission of an estate, heir, legal representative or spouse outside the scope of such person’s capacity as such, provided however that the spouse of a natural person Named Insured and the spouses of members or partners of joint venture or partnership Named Insureds are insureds with respect to such spouses’ acts, errors or omissions in the conduct of the Named Insured’s business. D.Fellow Employee First Aid Coverage In the section entitled Who Is An Insured, paragraph 2.a.1. is amended to add the following: Policy No: Endorsement No: Effective Date: SB146935E (10-19) Page 3 Insured Name: 4 Point Power, Inc. Copyright CNA All Rights Reserved. 7038572189 10/17/2024 The limitations described in subparagraphs 2.a.1.(a), (b) and (c) do not apply to your “employees” for “bodily injury” that results from providing cardiopulmonary resuscitation or other first aid services to a co- “employee” or “volunteer worker” that becomes necessary while your “employee” is performing duties in the conduct of your business. Your “employees” are hereby insureds for such services. But the insured status conferred by this provision does not apply to “employees” whose duties in your business are to provide professional health care services or health examinations. E.Personal and Advertising Injury – Discrimination or Humiliation 1.Under Liability and Medical Expenses Definitions, the definition of “Personal and advertising injury” is amended to add the following: h.Discrimination or humiliation that results in injury to the feelings or reputation of a natural person, but only if such discrimination or humiliation is: (1)Not done intentionally by or at the direction of: (a)The insured; or (b)Any "executive officer," director, stockholder, partner, member or manager (if you are a limited liability company) of the insured; and (2)Not directly or indirectly related to the employment, prospective employment, past employment or termination of employment of any person or person by any insured. 2.Under B. Exclusions, 1. Applicable to Business Liability Coverage, the exclusion entitled Personal and Advertising injury is amended to add the following additional exclusions: (15)Discrimination Relating to Room, Dwelling or Premises Caused by discrimination directly or indirectly related to the sale, rental, lease or sub- lease or prospective sale, rental, lease or sub-lease of any room, dwelling or premises by or at the direction of any insured. (16)Employment Related Discrimination Discrimination or humiliation directly or indirectly related to the employment, prospective employment, past employment or termination of employment of any person by any insured. (17)Fines or Penalties Fines or penalties levied or imposed by a governmental entity because of discrimination. 3.This provision (Personal and Advertising Injury – Discrimination or Humiliation) does not apply if Personal and Advertising Injury Liability is excluded either by the provisions of the Policy or by endorsement. F.Personal and Advertising Injury - Broadened Eviction Under Liability and Medical Expenses Definitions, the definition of “Personal and advertising injury” is amended to delete Paragraph c. and replace it with the following: c.The wrongful eviction from, wrongful entry into, or invasion of the right of private occupancy of a room dwelling or premises that a person or organization occupies committed by or on behalf of its owner, landlord or lessor. Policy No: Endorsement No: Effective Date: SB146935E (10-19) Page 4 Insured Name: 4 Point Power, Inc. Copyright CNA All Rights Reserved. 7038572189 10/17/2024 G.Waiver of Subrogation – Blanket We waive any right of recovery we may have against: 1.Any person or organization with whom you have a written contract that requires such a waiver. H.Additional Insured – Extended Coverage When an additional insured is added by this or any other endorsement attached to this Coverage Part, the section entitled Who Is An Insured is amended to make the following natural persons insureds: If the additional insured is: 1.An individual, then his or her spouse is an insured; 2.A partnership or joint venture, then its partners, members and their spouses are insureds; 3.A limited liability company, then its members and managers are insureds; 4.An organization other than a partnership, joint venture or limited liability company, then its executive officers, directors and shareholders are insureds; or 5.Any type of entity, then its employees are insureds; but only with respect to locations and operations covered by the additional insured endorsement’s provisions, and only with respect to their respective roles within their organizations. Furthermore, employees of additional insureds are not insureds with respect to liability arising out of: (1)“Bodily injury” or “personal and advertising injury” to any fellow employee or to any natural person listed in paragraphs 1. through 4. above; (2)“Property damage” to property owned, occupied or used by their employer or by any fellow employee; or (3)Providing or failing to provide professional health care services. All other terms and conditions of the Policy remain unchanged. This endorsement, which forms a part of and is for attachment to the Policy issued by the designated Insurers, takes effect on the effective date of said Policy at the hour stated in said Policy, unless another effective date is shown below, and expires concurrently with said Policy. Policy No: Endorsement No: Effective Date: SB146935E (10-19) Page 5 Insured Name: 4 Point Power, Inc. Copyright CNA All Rights Reserved. 7038572189 10/17/2024 SB-300001-C Includes copyrighted material of Insurance Services Office, Inc., with its permission.Page 1 of 1 (Ed. 06/11) Copyright, Insurance Services Office, Inc., 2002 SB-300001-C (Ed. 06/11) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT – AGGREGATE LIMITS OF INSURANCE (PER PROJECT) This endorsement modifies insurance provided under the following: BUSINESSOWNERS LIABILITY COVERAGE FORM A.For all sums which the insured becomes legally obligated to pay as damages caused by "occurrences" under COVERAGE A.1., and for all medical expenses caused by accidents under COVERAGE A.2., which can be attributed only to ongoing operations at a single "project": 1.A separate "Project" General Aggregate limit applies to each "project." The "Project" General Aggregate limit is equal to the amount of the General Aggregate limit shown in the Declarations. 2.The "Project" General Aggregate limit is the most we will pay for the sum of all damages payable under COVERAGE A.1., except damages because of "bodily injury" or "property damage" included in the "products-completed operations hazard," and for medical expenses payable under COVERAGE A.2. regardless of the number of: a.Insureds; b.Claims made or "suits" brought; or c.Persons or organizations making claims or bringing "suits." 3.Any payments made under COVERAGE A.1. for damages or under COVERAGE A.2. for medical expenses shall reduce the "Project" General Aggregate limit for the applicable "project." Such payments shall not reduce the General Aggregate limit shown in the Declarations nor shall they reduce any "Project" General Aggregate limit applicable to other "projects." 4.The limits shown in the Declarations for Liability and Medical Expenses, Damage to Premises Rented to You, and Medical Expenses continue to apply. However, instead of being subject to the General Aggregate limit shown in the Declarations, such limits will be subject to the applicable "Project" General Aggregate limit. B.For all sums which the insured becomes legally obligated to pay as damages caused by "occurrences," and for all medical expenses caused by accidents, which cannot be attributed only to ongoing operations at a single "project": 1.Any payments made under COVERAGE A.1. for damages or under COVERAGE A.2. for medical expenses shall reduce the amount available under the General Aggregate limit or the Products/Completed Operations Aggregate limit, whichever is applicable; and 2.Such payments shall not reduce any "Project" General Aggregate limit. C.When coverage for liability arising out of the "products-completed operations hazard" is provided, any payments for damages because of "bodily injury" or "property damage" included in the "products-completed operations hazard" will reduce the Products/Completed Operations Aggregate limit, and not reduce the General Aggregate limit nor any "Project" General Aggregate limit. D.If a "project" has been abandoned, delayed, or abandoned and then restarted, or if the authorized contracting parties deviate from plans, blueprints, designs, specifications or timetables, the "project" will still be deemed to be the same "project." E.The provisions of the Limits Of Insurance section not otherwise modified by this endorsement shall continue to apply as stipulated. F.The following definition is added to Section F. Liability and Medical Expenses Definitions: "Project" means "your work" at location(s) away from premises owned or rented to you. Policy Number: 7038572189 Policy No: 7038572189 Endorsement No: Effective Date:10/17/2024 CNA80103XX (09-14) Page 1 Insured Name: 4 Point Power, Inc. Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with its permission THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PRIMARY AND NONCONTRIBUTORY- OTHER INSURANCE CONDITION This endorsement modifies insurance provided under the following: BUSINESSOWNERS COMMON POLICY CONDITIONS The following is added to Paragraph H. Other Insurance and supersedes any provision to the contrary: Primary And Noncontributory Insurance This insurance is primary to and will not seek contribution from any other insurance available to an additional insured under your policy provided that: 1.The additional insured is a Named Insured under such other insurance; and 2.You have agreed in writing in a contract or agreement that this insurance would be primary and would not seek contribution from any other insurance available to the additional insured. All other terms and conditions of the Policy remain unchanged. This endorsement, which forms a part of and is for attachment to the Policy issued by the designated Insurers, takes effect on the effective date of said Policy at the hour stated in said Policy, unless another effective date is shown below, and expires concurrently with said Policy. ªH " ( ¢ # u h 2 { 1 ¥ 9 $ « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 1 7 9 Policyholder Notice - Fraud Notification CNA104750XX (6-23)Copyright CNA All Rights Reserved.Page 1 of 5 ABCDEFGHIJKLMN IMPORTANT INFORMATION POLICYHOLDER FRAUD NOTIFICATION Alabama:Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or who knowingly presents false information in an application for insurance is guilty of a crime and may be subject to restitution, fines, or confinement in prison, or any combination thereof. Alaska: A person who knowingly and with intent to injure,defraud,or deceive an insurance company files a claim containing false,incomplete,or misleading information may be prosecuted under state law. Arizona: For your protection Arizona law requires the following statement to appear on this form.Any person who knowingly presents a false or fraudulent claim for payment of a loss is subject to criminal and civil penalties. Arkansas, Louisiana, Rhode Island, West Virginia: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison. California:For your protection,California law requires the following to appear on this form:Any person who knowingly presents false or fraudulent information to obtain or amend insurance coverage or to make a claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison. Colorado:It is unlawful to knowingly provide false,incomplete,or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment,fines,denial of insurance,and civil damages.Any insurance company or agent of an insurance company who knowingly provides false,incomplete,or misleading facts or information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the Colorado Division of Insurance within the Department of Regulatory Agencies. Policyholder Notice - Fraud Notification CNA104750XX (6-23)Copyright CNA All Rights Reserved.Page 2 of 5 ABCDEFGHIJKLMN Connecticut,Georgia,Hawaii,Illinois,Iowa,Massachusetts,Mississippi,Missouri,Montana, Nebraska,Nevada,North Carolina,North Dakota,South Carolina,South Dakota,Texas,Utah, Vermont: Any person who knowingly presents false or fraudulent information in an application for insurance,to obtain or amend insurance coverage, or to make a claim for the payment of a loss is guilty of a crime and may be subject to criminal and/or civil penalties. Delaware:Any person who knowingly,and with intent to injure,defraud or deceive any insurer,files a statement of claim containing any false, incomplete or misleading information is guilty of a felony. District of Columbia:WARNING:It is a crime to provide false or misleading information to an insurer for the purpose of defrauding the insurer or any other person.Penalties include imprisonment and/or fines.In addition,an insurer may deny insurance benefits if false information materially related to a claim was provided by the applicant. Florida:Any person who knowingly and with intent to injure,defraud,or deceive any insurer files a statement of claim or an application containing any false,incomplete,or misleading information is guilty of a felony of the third degree. Idaho:Any person who knowingly,and with intent to defraud or deceive any insurance company, files a statement of claim containing any false,incomplete,or misleading information is guilty of a felony. Indiana:Any person who knowingly and with intent to defraud an insurer files a statement of claim containing any false, incomplete, or misleading information commits a felony. Kansas:Any person who knowingly presents false or fraudulent information in an application for insurance,to obtain or amend insurance coverage,or to make a claim for the payment of a loss is guilty of a crime and may be subject to criminal and/or civil penalties. A "fraudulent insurance act"means an act committed by any person who,knowingly and with intent to defraud,presents,causes to be presented or prepares with knowledge or belief that it will be presented to or by an insurer,purported insurer,broker or any agent thereof,any written statement as part of,or in support of,an application for the issuance of,or the rating of an insurance policy for personal or commercial insurance,or a claim for payment or other benefit pursuant to an insurance policy for commercial or personal insurance which such person knows to contain materially false information concerning any fact material thereto;or conceals,for the purpose of misleading, information concerning any fact material thereto. ªH " ( ¢ # u h 2 { 2 ¥ 0 ! « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 1 8 0 Policyholder Notice - Fraud Notification CNA104750XX (6-23)Copyright CNA All Rights Reserved.Page 3 of 5 ABCDEFGHIJKLMN Kentucky:Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance containing any materially false information or conceals,for the purpose of misleading,information concerning any fact material thereto commits a fraudulent insurance act, which is a crime. Maine:It is a crime to knowingly provide false,incomplete or misleading information to an insurance company for the purpose of defrauding the company.Penalties may include imprisonment,fines or a denial of insurance benefits. Maryland: Any person who knowingly and willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly or willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison. Michigan, Wisconsin, Wyoming: Any person who knowingly presents false or fraudulent information to obtain or amend insurance coverage or make a claim for the payment of a loss is guilty of a crime and may be subject to criminal and/or civil penalties. Minnesota:A person who files a claim with intent to defraud or helps commit a fraud against an insurer is guilty of a crime. New Hampshire:Any person who,with a purpose to injure,defraud,or deceive any insurance company,files a statement of claim containing any false,incomplete,or misleading information is subject to prosecution and punishment for insurance fraud, as provided in RSA 638:20. New Jersey:Any person who includes any false or misleading information on an application for an insurance policy is subject to criminal and civil penalties. New Mexico:ANY PERSON WHO KNOWINGLY PRESENTS A FALSE OR FRAUDULENT CLAIM FOR PAYMENT OF A LOSS OR BENEFIT OR KNOWINGLY PRESENTS FALSE INFORMATION IN AN APPLICATION FOR INSURANCE IS GUILTY OF A CRIME AND MAY BE SUBJECT TO CIVIL FINES AND CRIMINAL PENALTIES. New York – SIGNATURE REQUIRED (See bottom of this notice) Ohio:Any person who,with intent to defraud or knowing that he is facilitating a fraud against an insurer,submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud. Oklahoma:WARNING:Any person who knowingly and with intent to injure,defraud,or deceive any insurer,makes any claim for the proceeds of an insurance policy containing any false,incomplete or misleading information is guilty of a felony Policyholder Notice - Fraud Notification CNA104750XX (6-23)Copyright CNA All Rights Reserved.Page 4 of 5 ABCDEFGHIJKLMN Oregon:Any person who,with an intent to knowingly defraud or knowingly facilitate a fraud against an insurer,submits an application or files a claim containing a false or deceptive statement of material fact, may be guilty of insurance fraud and subject to criminal or civil penalties. Pennsylvania: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading,information concerning any fact material thereto commits a fraudulent insurance act,which is a crime and subjects such person to criminal and civil penalties. Puerto Rico:Any person who knowingly and with the intention of defrauding presents false information in an insurance application,or presents,helps,or causes the presentation of a fraudulent claim for the payment of a loss or any other benefit,or presents more than one claim for the same damage or loss,shall incur a felony and,upon conviction,shall be sanctioned for each violation by a fine of not less than five thousand dollars ($5,000)and not more than ten thousand dollars ($10,000),or a fixed term of imprisonment for three (3)years,or both penalties.Should aggravating circumstances be present, the penalty thus established may be increased to a maximum of five (5) years, if extenuating circumstances are present, it may be reduced to a minimum of two (2) years. Tennessee, Virginia: It is a crime to knowingly provide false,incomplete or misleading information to an insurance company for the purpose of defrauding the company.Penalties include imprisonment,fines and denial of insurance benefits. Washington:It is a crime to knowingly provide false,incomplete,or misleading information to an insurance company for the purpose of defrauding the company.Penalties include imprisonment, fines and denial of insurance benefits. ªH " ( ¢ # u h 2 { 2 ¥ 1 . « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 1 8 1 Policyholder Notice - Fraud Notification CNA104750XX (6-23)Copyright CNA All Rights Reserved.Page 5 of 5 ABCDEFGHIJKLMN NEW YORK ONLY - Signature Required: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information,or conceals for the purpose of misleading,information concerning any fact material thereto,commits a fraudulent insurance act,which is a crime,and shall also be subject to a civil penalty not to exceed five thousand dollars and the stated value of the claim for each such violation. Auto:Any person who knowingly makes or knowingly assists,abets,solicits or conspires with another to make a false report of the theft, destruction, damage or conversion of any motor vehicle to a law enforcement agency,the department of motor vehicles or an insurance company,commits a fraudulent insurance act,which is a crime,and shall also be subject to a civil penalty not to exceed five thousand dollars and the value of the subject motor vehicle or stated claim for each violation. Fire:Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance containing any false information,or conceals for the purpose of misleading,information concerning any fact material thereto,commits a fraudulent insurance act, which is a crime.The proposed insured affirms that the foregoing information is true and agrees that these applications shall constitute a part of any policy issued whether attached or not and that any willful concealment or misrepresentation of a material fact or circumstances shall be grounds to rescind the insurance policy. ______________________________ ________________________ Insured Applicant Date ______________________________ ________________________ Authorized Representative Title ªH " ( ¢ # u h 2 { 2 ¥ 2 ; « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 1 8 2 Policy Holder Notice – Request for Jurisdictional Inspectionof Boilers and Pressure Vessels CNA62823XX (04-2023)Copyright CNA All Rights Reserved.Page 1 of 1 ABCDEFGHIJKLMN Risk Control Request for Jurisdictional InspectionOf Boilers and Pressure Vessels Jurisdictions issue certificates permitting the operation of certain equipment such as boilers, water heaters, and pressurevessels. Periodic inspections are required to renew these certifications. In most jurisdictions, commissioned inspectors areauthorized to perform these inspections. Below is CNA contact information to request an inspection of owned/operated pressure equipment that requires a state,county, city, parish or province certificate to legally operate and is insured under this CNA policy. Some jurisdictionsrequire the insurance company of record to pay certificate fees on behalf of their insureds and allow the insurancecompany to recoup this expense. Please note that failure to notify CNA can result in fines and penalties issued to the equipment owner by the governingjurisdiction. CNA is not responsible for these fines or penalties. Note: Jurisdictional inspections are only conducted inside the United States, its territories, possessions, and Canada. To contact CNA to request a jurisdictional inspection, useone of the following methods: 1. cna.com/riskcontrol 2. Phone: 866-262-0540 3. Scan QR code: Please provide the following information to facilitateyour request: • Policyholder name • 10-digit CNA policy number • Inspection contact name and title • Inspection contact phone number • Inspection contact email address • NYC inspections: DOB NOW registered email address isrequired • Facility/location name (where the objects are located) • Facility/location address (complete street, city, state, ZIP) • Reason for inspection (new installation, certificaterenewal, follow-up inspection, other) • Additional details for the inspector ªH " ( ¢ # u h 2 { 2 ¥ 3 H « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 1 8 3 Policy Holder Notice - Offer ofTerrorism Coverage; Disclosure of Premium CNA81758XX (01-21)Copyright CNA All Rights Reserved.Page 1 of 2 ABCDEFGHIJKLMN IMPORTANT INFORMATION NOTICE – OFFER OF TERRORISM COVERAGE;DISCLOSURE OF PREMIUM THIS NOTICE DOES NOT FORM A PART OF THE POLICY, GRANT ANY COVERAGE OR CHANGE THETERMS AND CONDITIONS OF ANY COVERAGE UNDER THE POLICY. As used herein, 1) "we" means the insurer listed on the Declarations or the Certificate of Insurance, as applicable;and 2) "you" means the first person or entity named on the Declarations or the Certificate of Insurance, as applicable. You are hereby notified that under the Terrorism Risk Insurance Act, as extended and reauthorized ("Act"), you havea right to purchase insurance coverage of losses arising out of acts of terrorism, as defined in Section 102(1) of theAct, subject to all applicable policy provisions. The Terrorism Risk Insurance Act established a federal programwithin the Department of the Treasury, under which the federal government shares, with the insurance industry, therisk of loss from future terrorist attacks. This Notice is designed to alert you to coverage restrictions and to certain terrorism provisions in the policy. If thereis any conflict between this Notice and the policy (including its endorsements), the provisions of the policy (includingits endorsements) apply. CHANGE IN THE DEFINITION OF A CERTIFIED ACT OF TERRORISM The Act applies when the Secretary of the Treasury certifies that an event meets the definition of an act of terrorism.Originally, the Act provided that to be certified, an act of terrorism must cause losses of at least five million dollarsand must have been committed by an individual or individuals acting on behalf of any foreign person or foreigninterest to coerce the government or population of the United States. However, the 2007 re-authorization of the Actremoved the requirement that the act of terrorism must be committed by or on behalf of a foreign interest, and nowcertified acts of terrorism may encompass, for example, a terrorist act committed against the United Statesgovernment by a United States citizen, when the act is determined by the federal government to be "a certified act ofterrorism." In accordance with the Act, we are required to offer you the ability to purchase coverage for losses resulting from anact of terrorism that is certified under the federal program. The other provisions of this policy, including nuclear, waror military action exclusions, will still apply to such an act. DISCLOSURE OF FEDERAL PARTICIPATION IN PAYMENT OF TERRORISM LOSSES The Department of the Treasury will pay a share of terrorism losses insured under the federal program. Beginning in2020, the federal share equals 80% of that portion of the amount of such insured losses that exceeds the applicableinsurer retention. LIMITATION ON PAYMENT OF TERRORISM LOSSES If aggregate insured losses attributable to terrorist acts certified under the Terrorism Risk Insurance Act exceed $100billion in a calendar year (January 1 through December 31), the Treasury shall not make any payment for any portionof the amount of such losses that exceeds $100 billion. Further, this coverage is subject to a limit on our liability pursuant to the federal law where, if aggregate insuredlosses attributable to terrorist acts certified under the Act exceed $100 billion in a calendar year (January 1 throughDecember 31) and we have met our insurer deductible under the Act, we shall not be liable for the payment of anyportion of the amount of such losses that exceeds $100 billion. In such case, insured losses up to that amount aresubject to pro rata allocation in accordance with procedures established by the Secretary of the Treasury. Policy Holder Notice - Offer ofTerrorism Coverage; Disclosure of Premium CNA81758XX (01-21)Copyright CNA All Rights Reserved.Page 2 of 2 ABCDEFGHIJKLMN CONFIRMATION OF ACCEPTANCE OF COVERAGE In accordance with the Act, we offered you coverage for losses resulting from an act of terrorism that is certifiedunder the federal program. This notice confirms that you have chosen to accept our offer of coverage for certifiedacts of terrorism. The policy's other provisions, including nuclear, war or military action exclusions, will still apply tosuch an act. The premium charge for terrorism coverage, if any, is shown separately on the Declarations or theCertificate of Insurance, as applicable. ªH " ( ¢ # u h 2 { 2 ¥ 4 U « ¬ ¬ ¬ INSURED 1 8ofPage HIJKLMN CNA Connect Renewal Declaration B 7038572189 VALLEY FORGE INSURANCE COMPANY 10/17/2024 10/17/2025151 N Franklin CHICAGO, IL 60606 --POLICY NUMBER COVERAGE PROVIDED BY FROM POLICY PERIOD TO 4 Point Power, Inc. 1313 N MILPITAS BLVD STE 161 INSURED NAME AND ADDRESS MILPITAS, CA 95035 050683 ASERO INSURANCE SERVICES 3155 OLSEN DR STE 400 AGENCY NUMBER AGENCY NAME AND ADDRESS SAN JOSE, CA 95117 (650)469-0400 Phone Number: 250 SAN FRANCISCO 555 MISSION ST STE 200 BRANCH NUMBER BRANCH NAME AND ADDRESS SAN FRANCISCO, CA 94105 (415)932-7500 Phone Number: This policy becomes effective and expires at 12:01 A.M. standard time at your mailing address on the dates shown above. is a Corporation. The Named Insured $3,910.00 Your policy is composed of this Declarations, with the attached Common Policy Conditions,Coverage Forms, and Endorsements, if any. The Policy Forms and Endorsement Schedule showsall forms applicable to this policy at the time of policy issuance. The Estimated Policy Premium Is $77.00Terrorism Risk Insurance Act Premium Not Auditable Audit Period is INSURED 2 8ofPage B 7038572189 4 Point Power, Inc. 1313 N MILPITAS BLVD STE 161 INSURED NAME AND ADDRESSPOLICY NUMBER MILPITAS, CA 95035 PROPERTY COVERAGE LIMIT OF INSURANCE $250 The following deductible applies unless a separate deductible is shown on the Schedule ofLocations and Coverage. Deductible: 12 Months Actual Loss SustainedBusiness Income and Extra Expense CoverageBusiness Income and Extra Expense 72 HOURS Business Income and Extra Expense - Deductible $10,000Business Income and Extra Expense - Dependent Properties $25,000Employee Dishonesty $25,000Forgery and Alteration LIABILITY COVERAGE LIMIT OF INSURANCE $1,000,000Liability and Medical Expense Limit - Each Occurrence $10,000Medical Expense Limit -- Per Person $1,000,000Personal and Advertising Injury $2,000,000Products/Completed Operations Aggregate $2,000,000General Aggregate $1,000,000Damage To Premises Rented To You 10/17/2023 $10,000$0 Employment Practices/Fiduciary Liability Retroactive Date:EPLI Deductible: INLAND MARINE COVERAGE LIMIT OF INSURANCE ªH " ( ¢ # u h 2 { 2 ¥ 5 b « ¬ ¬ ¬ INSURED 3 8ofPage B 7038572189 4 Point Power, Inc. 1313 N MILPITAS BLVD STE 161 INSURED NAME AND ADDRESSPOLICY NUMBER MILPITAS, CA 95035 SCHEDULE OF LOCATIONS AND COVERAGE 1 1LOCATION BUILDING 1313 N MILPITAS BLVD MILPITAS, CA 95035 Joisted Masonry Construction: Electrical Work-W/In Buildings Class Description: 3% Inflation Guard PROPERTY COVERAGE LIMIT OF INSURANCE $25,000Accounts Receivable Not CoveredBuilding $10,500Business Personal Property $50,000Electronic Data Processing $10,500Equipment Breakdown $25,000Fine Arts $25,000Ordinance or Law - Demolition Cost, Increased Cost of Construction 25% Seasonal Increase: $25,000Sewer or Drain Back Up $25,000Valuable Papers & Records INSURED 4 8ofPage B 7038572189 4 Point Power, Inc. 1313 N MILPITAS BLVD STE 161 INSURED NAME AND ADDRESSPOLICY NUMBER MILPITAS, CA 95035 INLAND MARINE CONTRACTOR'S EQUIPMENT SCHEDULE ITEM NO.DESCRIPTION OF EQUIPMENT LIMITS 1 Various Equipment $150,000 $250Deductible: ªH " ( ¢ # u h 2 { 2 ¥ 6 o « ¬ ¬ ¬ INSURED 5 8ofPage B 7038572189 4 Point Power, Inc. 1313 N MILPITAS BLVD STE 161 INSURED NAME AND ADDRESSPOLICY NUMBER MILPITAS, CA 95035 LOSS PAYEE SCHEDULE All loss payees as their interests may appear in the Covered Property. The following provisions apply in accordance with the insurable interest of the losspayee: Loss Payee Description of Property: Any Covered Property in which a loss payee, creditor or lenderholds an interest, including any person or organization you have entered a contract withfor the sale of Covered Property. INSURED 6 8ofPage B 7038572189 4 Point Power, Inc. 1313 N MILPITAS BLVD STE 161 INSURED NAME AND ADDRESSPOLICY NUMBER MILPITAS, CA 95035 FORMS AND ENDORSEMENTS SCHEDULE The following list shows the Forms, Schedules and Endorsements by Line of Business that area part of this policy. COMMON FORM NUMBER FORM TITLECNA79203XX 06/2014 Exclusion - Access or Disclosure of Confidential CNA80103XX 09/2014 Primary and Non Contributory - Other Ins ConditionCNA81751XX 03/2015 Cap on Losses from Certified Acts of Terrorism CNA85710XX 06/2016 Unmanned Aircraft Exclusion Endorsement CNA92680XX 10/2019 Non-Accumulation of Limits Endorsement CNA98553CA 03/2023 COMMUNICABLE DISEASE EXCLUSION ENDORSEMENT - CA SB146916E 07/2020 California Changes SB146935E 10/2019 Blkt Addl Insured - Owners, Lessees or ContractorsSB147075A 01/2006 Economic and Trade Sanctions Condition SB147082E 04/2014 Businessowners Common Policy Conditions SB147086B 04/2010 Loss Payable Provisions COMMERCIAL PROPERTY FORM NUMBER FORM TITLESB146801J 10/2019 Businessowners Special Property Coverage Form SB146802F 10/2019 Business Income and Extra Expense SB146803A 01/2006 Seasonal Increase SB146804A 01/2006 Arson and Theft Reward SB146805B 06/2016 Claim Data Expense SB146806B 01/2008 Debris Removal SB146807F 10/2019 Employee Dishonesty SB146808A 01/2006 Expediting Expenses SB146809C 07/2009 Fine Arts SB146810A 01/2006 Fire Department Service Charge SB146811A 01/2006 Fire Protective Equipment Discharge SB146812D 10/2019 Forgery and Alteration SB146813B 01/2008 Newly Acquired or Constructed Property SB146814B 03/2006 Ordinance or Law SB146815A 01/2006 Outdoor Trees, Shrubs, Plants and Lawns SB146816A 01/2006 Pollutant Clean Up and Removal SB146817A 01/2006 Preservation of Property SB146818A 01/2006 Temporary Relocation of Property SB146819A 01/2006 Water Damage, Other Liquids, Solder, Molten DamageSB146820C 06/2011 Accounts Receivable SB146821A 01/2006 Appurtenant Buildings and Structures SB146822A 01/2006 Building Glass SB146823C 10/2019 Business Income Extra Expense - Dependent PropertySB146824B 01/2008 Business Income Extra Expense-Newly Acquired Locs SB146825C 06/2011 Business Personal Property Off Premises SB146826C 10/2019 Civil Authority SB146827F 06/2011 Electronic Data Processing SB146828E 04/2014 Equipment Breakdown SB146830B 01/2008 Money Orders and Counterfeit Paper Currency SB146831B 06/2011 Nonowned Detached Trailers SB146832B 01/2008 Ordinance or Law-Increased Period of Restoration SB146833A 01/2006 Outdoor Property SB146834A 01/2006 Personal Effects SB146835A 01/2006 Signs SB146836A 01/2006 Spoilage Consequential Loss ªH " ( ¢ # u h 2 { 2 ¥ 7 | « ¬ ¬ ¬ INSURED 7 8ofPage B 7038572189 4 Point Power, Inc. 1313 N MILPITAS BLVD STE 161 INSURED NAME AND ADDRESSPOLICY NUMBER MILPITAS, CA 95035 FORMS AND ENDORSEMENTS SCHEDULE COMMERCIAL PROPERTY FORM NUMBER FORM TITLESB146837A 01/2006 Theft Damage to Rented Property SB146838C 06/2011 Valuable Papers and Records SB146839F 06/2011 Sewer or Drain Back Up SB146850B 03/2006 Business Income Extra Expense - 72 Hour DeductibleSB146936A 01/2006 Inflation Guard SB147084C04 04/2012 California Fungi, Wet Rot, Dry Rot, Microbe Exln SB300129C 10/2019 Targeted Hacker Attack SB300456A 07/2007 Concurrent Causation, Earth Movmnt, Water Excl ChgSB300596A 01/2008 Identity Theft/Recovery Services Endorsement SB300618D 06/2016 Choice Extra Endorsement COMMERCIAL GENERAL LIABILITY FORM NUMBER FORM TITLECNA101258XX 03/2021 Businessowners Liab Cov Form Aggr Limt of Ins EndtSB146975B 11/2018 Limited Exclusion - Residential Property SB147043A 03/2006 EXCLUSION - DESIGNATED WORK SB147079A 01/2006 War Liability Exclusion SB147080B 10/2019 Exclusion - Silica SB147083C 10/2019 Fungi/Mold/Mildew/Yeast/Microbe Exclusion SB147088A 01/2006 Exclusion - Asbestos SB147089A 01/2006 Employment - Related Practices Exclusion SB300000D 04/2014 Businessowners Liability Coverage Form SB300001C 06/2011 Aggregate Limits of Insurance (Per Project) SB300061B 11/2018 Ext Finish Sys Prd/Cmpld Ops Prpty Damage Exl End SB300166B 04/2020 Exclusion - Subsidence SB300441A 01/2007 Fiduciary Liability Coverage Form SB300449A 01/2007 Single Limit of Insurance Endorsement SB300450A 01/2007 Employment Practices Liability Coverage Form SB300451A 01/2007 Exclusion - Construction Wrap Up Program SB300849A 07/2009 Recd and Distribution of Material or information COMMERCIAL INLAND MARINE FORM NUMBER FORM TITLESB300038F 04/2014 Contractors Equipment *** PLEASE READ THE ENCLOSED IMPORTANT NOTICES CONCERNING YOUR POLICY *** FORM NUMBER FORM TITLECNA104750XX 06/2023 Policyholder Notice - Fraud Notification CNA62823XX 04/2023 Req for Jurisdictional Insp Of Boilers And PressurCNA81758XX 01/2021 PHN - Offer of Terrorism Disclosure of Premium CNA95404XX 03/2019 CNA Coverpage Form SB300604A 01/2008 Prevent Unexpected Premium Charges at Final Audit SB300605A 01/2008 Premium Bases abcdefghijklm SB-146895-A (Ed. 01/06) INSURED 8 8ofPage B 7038572189 4 Point Power, Inc. 1313 N MILPITAS BLVD STE 161 INSURED NAME AND ADDRESSPOLICY NUMBER MILPITAS, CA 95035 FORMS AND ENDORSEMENTS SCHEDULE *** PLEASE READ THE ENCLOSED IMPORTANT NOTICES CONCERNING YOUR POLICY *** FORM NUMBER FORM TITLE Countersignature ªH " ( ¢ # u h 2 { 2 ¥ 8 " « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 1 8 8 5,000,000 CNA101258XX(Ed. 03-21) CNA101258XX (03-21)Page 1 of 1 Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with its permission. HIJKLMN BUSINESSOWNERS LIABILITY COVERAGE FORM AGGREGATE LIMIT OF INSURANCE ENDORSEMENT This endorsement modifies insurance provided under the following: BUSINESSOWNERS LIABILITY COVERAGE FORM Liability Coverage Form Aggregate Limit of Insurance:$ It is hereby understood and agreed that the following is added to Section D. Liability and Medical Expenses Limits ofInsurance: Excepting only defense costs, the most we will pay under this Coverage Form is the Liability Coverage Form AggregateLimit of Insurance shown above. All Limits of Insurance set forth on the Declarations applicable to this Coverage Form orany of its endorsements, including any Limits that apply on an each project or each location basis, are subject to thisLiability Coverage Form Aggregate Limit of Insurance. As such, all other Limits of Insurance are sub-limits which are partof and not in addition to the Liability Coverage Form Aggregate Limit of Insurance. All other terms and conditions of the Policy remain unchanged. CNA79203XX(06-14) CNA79203XX (06-14)Page 1 of 1 Copyright, CNA All Rights Reserved. EXCLUSION - ACCESS OR DISCLOSURE OF CONFIDENTIAL OR PERSONALINFORMATION AND DATA-RELATED LIABILITY - WITH LIMITED BODILYINJURY EXCEPTION It is understood and agreed that this endorsement amends the BUSINESSOWNERS LIABILITY COVERAGE FORM asfollows: Under Exclusions, the exclusions Applicable to Business Liability Coverage are amended to: I.Delete the exclusion entitled Electronic Data and replace it with the following: This insurance does not apply to: Access or Disclosure Of Confidential Or Personal Information And Data-related Liability (1)Damages,other than damages because of "personal and advertising injury,"arising out of any access to ordisclosureofanyperson's or organization's confidential or personal information,including patents,trade secrets,processing methods,customer lists,financial information,credit card information,health information or any othertype of nonpublic information; or (2)Damages arising out of the loss of,loss of use of,damage to,corruption of,inability to access,or inability tomanipulate electronic data. This exclusion applies even if damages are claimed for notification costs,credit monitoring expenses,forensicexpenses,public relations expenses or any other loss,cost or expense incurred by you or others arising out of thatwhich is described in Paragraph (1) or (2) above. However, unless Paragraph (1) above applies, this exclusion does not apply to damages because of "bodily injury." As used in this exclusion, electronic data means information, facts or programs stored as or on,created or used on,ortransmittedtoorfromcomputersoftware,including systems and applications software,hard or floppy disks,CD-ROMs,tapes,drives,cells,data processing devices or any other media which are used with electronically controlledequipment. II.Add the following to the exclusion entitled Personal and Advertising Injury: This insurance does not apply to: Personal And Advertising Injury "Personal and advertising injury": Arising out of any access to or disclosure of any person's or organization's confidential or personal information,including patents,trade secrets,processing methods,customer lists,financial information,credit card information,health information or any other type of nonpublic information. This exclusion applies even if damages are claimed for notification costs,credit monitoring expenses,forensicexpenses,public relations expenses or any other loss,cost or expense incurred by you or others arising out of anyperson's or organization's confidential or personal information. All other terms and conditions of the Policy remain unchanged. HIJKLMN ªH " ( ¢ # u h 2 { 2 ¥ 9 / « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 1 8 9 CNA80103XX(09-14) CNA80103XX (09-14)Page 1 of 1 Copyright, CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with its permission THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PRIMARY AND NONCONTRIBUTORY-OTHER INSURANCE CONDITION This endorsement modifies insurance provided under the following: BUSINESSOWNERS COMMON POLICY CONDITIONS The following is added to Paragraph H. Other Insurance and supersedes any provision to the contrary: Primary And Noncontributory Insurance This insurance is primary to and will not seek contribution from any other insurance available to an additional insuredunder your policy provided that: 1.The additional insured is a Named Insured under such other insurance; and 2.You have agreed in writing in a contract or agreement that this insurance would be primary and would not seekcontribution from any other insurance available to the additional insured. All other terms and conditions of the Policy remain unchanged. HIJKLMN CNA81751XX(Ed. 3-15) CNA81751XX (Ed. 3-15)Page 1 of 1 Copyright, CNA All Rights Reserved. CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISMENDORSEMENT SCHEDULE Solely with respect to any Coverage Part set forth in the Schedule, it is understood and agreed as follows: Whenever used in this endorsement,1)"we"means the insurer listed on the Declarations or the Certificate of Insurance,as applicable;and 2)"you"means the first person or entity named on the Declarations or the Certificate of Insurance,asapplicable. A.Cap on Certified Terrorism Losses "Certified act of terrorism"means an act that is certified by the Secretary of the Treasury,in consultation with theSecretaryofHomelandSecurityandtheAttorneyGeneraloftheUnitedStates,to be an act of terrorism pursuant totheTerrorismRiskInsuranceAct,as extended and reauthorized (the "Act").The criteria contained in the Act for a"certified act of terrorism" include the following: 1.The act resulted in insured losses in excess of $5 million in the aggregate,attributable to all types of insurancesubject to the Terrorism Risk Insurance Act; and 2.The act is a violent act or an act that is dangerous to human life,property or infrastructure and is committed by anindividual or individuals as part of an effort to coerce the civilian population of the United States or to influence thepolicy or affect the conduct of the United States Government by coercion. If aggregate insured losses attributable to terrorist acts certified under the Act exceed $100 billion in a calendar year(January 1 through December 31) and we have met our insurer deductible under the Act,we shall not be liable for thepaymentofanyportionoftheamountofsuchlossesthatexceeds$100 billion,and in such case insured losses up tothatamountaresubjecttoprorataallocationinaccordancewithproceduresestablishedbytheSecretaryoftheTreasury. B.Application of Exclusions The terms and limitations of any terrorism exclusion,or the inapplicability or omission of a terrorism exclusion,do notservetocreatecoverageforanylosswhichwouldotherwisebeexcludedunderthisPolicy,such as losses excludedby the Nuclear Hazard Exclusion or the War And Military Action Exclusion. All other terms and conditions of the Policy remain unchanged. HIJKLMN ªH " ( ¢ # u h 2 { 3 ¥ 0 , « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 1 9 0 CNA85710XX(Ed. 6-16) CNA85710XX (Ed. 6-16)Page 1 of 2 Copyright, CNA All Rights Reserved. HIJKLMN UNMANNED AIRCRAFT EXCLUSION ENDORSEMENT This endorsement modifies insurance provided under BUSINESSOWNERS LIABILITY COVERAGE FORM It is understood and agreed as follows: I.Under Coverages,in the section entitled Exclusions,the paragraph entitled Applicable to Business LiabilityCoverageisamendedtodeletetheexclusionentitledAircraft,Auto Or Watercraft in its entirety,and replace it withthe following: This insurance does not apply to: Aircraft, Auto Or Watercraft (1)Unmanned Aircraft "Bodily injury","property damage"or "personal and advertising injury"arising out of the ownership,maintenance,use or entrustment to others of any aircraft that is an "unmanned aircraft."Use includes operation and "loading orunloading." This paragraph (1)applies even if the claims against any insured allege negligence or other wrongdoing in thesupervision,hiring,employment,training or monitoring of others by that insured,if the "occurrence"or offensewhichcausedthe"bodily injury","property damage"or "personal and advertising injury"involved the ownership,maintenance, use or entrustment to others of any aircraft that is an "unmanned aircraft." But this paragraph (1) does not apply to "personal and advertising injury" resulting from: (a)The use of another's advertising idea in your "advertisement"; or (b)Infringing upon another's copyright, trade dress or slogan in your "advertisement." (2)Aircraft (Other Than Unmanned Aircraft), Auto Or Watercraft "Bodily injury"or "property damage"arising out of the ownership,maintenance,use or entrustment to others ofany aircraft (other than "unmanned aircraft"),"auto"or watercraft owned or operated by or rented or loaned to anyinsured. Use includes operation and "loading or unloading." This paragraph (2)applies even if the claims against any insured allege negligence or other wrongdoing in thesupervision,hiring,employment,training or monitoring of others by that insured,if the "occurrence"which causedthe "bodily injury" or "property"damage involved the ownership,maintenance,use or entrustment to others of anyaircraft(other than "unmanned aircraft"),"auto"or watercraft that is owned or operated by or rented or loaned toany insured. This paragraph (2) does not apply to: (a)An aircraft that is (i)Hired, chartered or loaned with a paid crew; and (ii)Not owned by any insured; (b)A watercraft while ashore on premises you own or rent; (c)A watercraft you do not own that is: (i)less than 51 feet long; and (ii)not being used to carry persons or property for a charge; (d)Parking an "auto"on,or on the ways next to,premises you own or rent,provided the "auto"is not owned byor rented or loaned to you or the insured; (e)Liability assumed under any "insured contract" for the ownership,maintenance or use of aircraft or watercraft;or CNA85710XX(Ed. 6-16) CNA85710XX (Ed. 6-16)Page 2 of 2 Copyright, CNA All Rights Reserved. HIJKLMN (f)"Bodily injury" or "property damage" arising out of the operation of any of the following equipment: (i)Cherry pickers and similar devices mounted on automobile or truck chassis and used to raise or lowerworkers; or (ii)Air compressors,pumps or generators,or spraying,welding,building cleaning,geophysical exploration,lighting or well servicing equipment. II.Under Liability And Medical Expenses Definitions, the following definition is added: "Unmanned aircraft"means an aircraft that is not designed by the manufacturer to be controlled directly by a personfrom within or on the aircraft. All other terms and conditions of the Policy remain unchanged. ªH " ( ¢ # u h 2 { 3 ¥ 1 9 « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 1 9 1 CNA92680XX(Ed. 10-19) CNA92680XX (Ed. 10-19)Page 1 of 1 Copyright, CNA All Rights Reserved. NON-ACCUMULATION OF LIMITS ENDORSEMENT This endorsement modifies insurance provided under the following: BUSINESSOWNERS LIABILITY COVERAGE PART It is understood and agreed that the section entitled Liability And Medical Expenses Limits Of Insurance is amended asfollows: A.The following provision is added: Non accumulation of limits: a.If a continuing "bodily injury" or "property damage" occurs partly during the policy period, and partly during thepolicy period of one or more prior and/or future policies issued to the insured by the Insurer, or any of our affiliatedinsurance companies, that include a Businessowners Liability coverage part, then the amount the Insurer will payis limited. This policy's Liability and Medical Expenses Limit – Each Occurrence limit will be reduced by theamount of each payment made by the Insurer or any affiliated insurance company under the prior or futurepolicies because of such "bodily injury" or "property damage." b.If a "personal and advertising injury" is sustained by any one person or organization due in part to an offensecommitted during this policy period, and in part because of offenses committed during the policy period of one ormore prior and/or future policies issued to the insured by the Insurer, or any of our affiliated insurance companies,that include a Businessowners Liability coverage part, then to the extent such offenses are not precluded fromcoverage by an exclusion pertinent to material first published before the policy period, the amount the Insurer willpay is limited. This policy's Personal and Advertising Injury Limit will be reduced by the amount of each paymentmade by the Insurer or any affiliated insurance company under the prior or future policies because of such"personal and advertising injury." B.The final paragraph of this Section is deleted and replaced by the following: Policy Terms Greater Than One Year a.Except as provided in b. below, the aggregate Limits of Insurance of this Coverage Part apply separately to eachconsecutive annual period and to any remaining period of less than 12 months starting with the beginning of thepolicy period shown in the Declarations, unless the policy period is extended after issuance for an additionalperiod of less than 12 months. In that case, the additional period will be deemed part of the last preceding periodfor purposes of determining the aggregate Limits of Insurance. b.With respect to a "personal and advertising injury" sustained by any one person or organization arising out of aseries of related offenses which transpire in more than one of the annual or partial periods described in a. above,all such related offenses will be deemed to have transpired when the earliest of them transpired. Otherwise-related offenses that involve multiple publications of material will not be considered unrelated merely because thepublications were not identical to each other or involved different media. All other terms and conditions of the Policy remain unchanged. HIJKLMN CNA98553CA (3-23)Page 1 of 2 Copyright, CNA All Rights Reserved. HIJKLMN COMMUNICABLE DISEASE EXCLUSION ENDORSEMENT - CALIFORNIA This endorsement modifies insurance provided under the following: BUSINESSOWNERS SPECIAL PROPERTY COVERAGE FORM I.Section B.1, EXCLUSIONS, is amended to add the following provision: Communicable Disease We will not pay for any loss,damage,cost,or expense caused directly or indirectly by,resulting from,arising out of,attributable to, or in any way associated with, a Communicable Disease. This exclusion includes, but is not limited to,any loss, damage, cost, or expense incurred: a.to mitigate,remediate,repair,replace,prevent,suppress,control,clean-up,detoxify,remove,monitor,or test forany Communicable Disease; b.due to the actual or perceived threat or fear of a Communicable Disease,including,without limitation,withrespect to its incidence, spread, transmission, actual or perceived presence, or effect; c.in response to the actions of governmental,military,or civil authority to mitigate,remediate,repair,replace,prevent,suppress,control,clean-up,detoxify,remove,monitor,or test for any Communicable Disease,including,without limitation,actions with respect to the incidence,spread,transmission,actual or perceivedpresence, or effect of a Communicable Disease; or d.as a result of the suspension of or change in operations,including the operations of businesses other than theNamedInsured,caused by,arising out of,or attributable to a Communicable Disease,including,withoutlimitation, with respect to its incidence, spread, transmission, actual or perceived presence, or effect. This exclusion will not apply to any endorsement on the policy that expressly provides coverage for diseasecontamination or communicable disease. In addition,this exclusion does not apply to loss or damage caused by or resulting from “fungi”,wet rot,dry rot ormicrobes. Such loss or damage is addressed in a separate exclusion in this Policy.Also,the exclusion does not applytotheextentofcoveragethatisprovidedundertheAdditionalCoverage–Limited Coverage for “Fungus”,WetRot, Dry Rot and Microbes. Otherwise,this exclusion applies to all coverages,coverage extensions,additional coverages,global extensions,exceptions to any exclusion and other coverage grant(s). II.Exclusion provision B.2.d.(8) is replaced by the following: (8)Contamination by other than communicable disease or pollutants. III.Section G., PROPERTY DEFINITIONS, is amended to add the following definition: Communicable Disease means a.any disease which can be transmitted by means of any substance or agent from any organism to anotherorganism; or b.any infectious agent or its byproducts,whether man-made or naturally occurring (including any viruses,bacteria,parasites, microorganisms, or any mutations thereof), whether deemed living or not; c.where i.the disease,substance,agent,or byproducts could result in infection,illness,or death,threaten humanhealthorhumanwelfare,or could result in damage,deterioration,loss of value,loss of use ormarketability of property; and ii.the disease occurs through the direct or indirect transmission of the infectious agent or its byproductsfromaninfectedindividualorviaair,bodily fluids,an animal,vector,the inanimate environment,or anyother source, to a susceptible animal or human host. ªH " ( ¢ # u h 2 { 3 ¥ 2 F « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 1 9 2 CNA98553CA (3-23)Page 2 of 2 Copyright, CNA All Rights Reserved. HIJKLMN All other terms and conditions of the Policy remain unchanged. This endorsement, which forms a part of and is for attachment to the Policy issued by the designated Insurers, takes effecton the effective date of said Policy at the hour stated in said Policy, unless another effective date is shown below, andexpires concurrently with said Policy. SB-146801-J(Ed.10-19) SB-146801-J Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 1 of 26(Ed. 10-19) BUSINESSOWNERSSPECIAL PROPERTY COVERAGE FORM Various provisions in this policy restrict coverage.Read the entire policy carefully to determine rights,duties and what isand is not covered. Throughout this policy the words "you"and "your"refer to the Named Insured shown in the Declarations.The words "we,""us" and "our" refer to the company providing the insurance. Other words and phrases that appear in quotation marks have special meaning.Refer to SECTION G –PROPERTYDEFINITIONS,and SECTION H –MALICIOUS CODE,SYSTEM PENETRATION,AND DENIAL OF SERVICEDEFINITIONS. A.COVERAGE We will pay for direct physical loss of or damage to Covered Property at the premises described in the Declarationscaused by or resulting from a Covered Cause Of Loss. 1.Covered Property Covered Property includes Buildings as described under a.below,Business Personal Property as describedunderb.below,or both,depending on whether a Limit of Insurance is shown in the Declarations for the type ofproperty. Regardless of whether coverage is shown in the Declarations for Buildings,Business Personal Property,or both, there is no coverage for property described under Paragraph A.2. Property Not Covered. a.Buildings, meaning the buildings and structures at the premises described in the Declarations, including: (1)Completed Additions; (2)Fences (3)Fixtures, including outdoor fixtures; (4)Retaining walls, whether or not attached; (5)Permanently installed: (a)Machinery; and (b)Equipment; (6)Outdoor swimming pools; (7)Personal Property owned by you that is used to maintain or service the building or structure or thepremises, including: (a)Fire extinguishing equipment; (b)Outdoor furniture; (c)Floor coverings; (d)Appliances used for refrigerating, ventilating, cooking, dishwashing or laundering; (e)Lawn maintenance and snow removal equipment; and (f)Alarm systems; (8)If not covered by other insurance: (a)Alterations and repairs to the building structure; (b)Materials,equipment,supplies and temporary structures,on or within 1,000 feet of the describedpremises, used for making alterations or repairs to the building or structure. b.Business Personal Property located in or on the buildings at the described premises or in the open (or in avehicle) within 1,000 feet of the described premises, including; (1)Property that you own that is used in your business; (2)Property of others that is in your care, custody or control; HIJKLMN ªH " ( ¢ # u h 2 { 3 ¥ 3 S « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 1 9 3 SB-146801-J(Ed.10-19) SB-146801-J Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 2 of 26(Ed. 10-19) (3)Your use interest as tenant in improvements and betterments.Improvements and betterments arefixtures, alterations, installations or additions: (a)Made a part of the building or structure you occupy or lease but do not own; and (b)You acquired or made at your expense but are not permitted to remove; (4)Leased personal property for which you have a contractual responsibility to insure,unless otherwiseprovided for under Paragraph A.1.b.(2).; (5)Your leasehold interest in improvements and betterments which are not damaged or destroyed,but whichyoulosebecauseyourleaseiscancelledbythelessorasaresultofdamagetothebuildingfromaCoveredCauseofLoss.When this occurs,we will calculate the value of your interest in theimprovementsandbettermentsasthoughtheyhadbeendamagedordestroyedandnotrepairedorreplaced promptly, as provided In the Valuation Loss Condition; (6)Your "money" and "securities"; (7)"Stock." (8)Tools and equipment owned by your employees which are used in your business operations. 2.Property Not Covered Covered Property does not include: a.Aircraft; b.Automobiles held for sale; c.Vehicles or self-propelled machines that are: (1)Licensed for use on public roads (subject to motor vehicle registration); or (2)Operated principally away from the described premises; This paragraph does not apply to: (1)Vehicles or self-propelled machines or autos that you manufacture, process or warehouse; (2)Vehicles or self-propelled machines, other than autos, that you hold for sale; or (3)Trailers or semi-trailers, except as provided in the Non-Owned Detached Trailers Coverage. d.Dams or dikes; e.Contraband, or property in the course of illegal transportation or trade; f.The cost of excavating,grading,backfilling or filling (except those costs necessary due to repair of buildingsinsured under this Coverage Form from a Covered Cause of Loss), reclaiming or restoring land or water; g.Water or land whether in its natural state or otherwise (including land on which the property is located),landimprovements, growing crops or standing timber; h.Outdoor trees,shrubs,plants and lawns,other than "stock"except as provided in the Outdoor Trees,Shrubs,Plants and Lawns Additional Coverage; i.The following property while outside of the buildings: (1)Bridges, walks, roadways, patios or other paved surfaces; or (2)Outdoor radio or television antennas (including satellite dishes)and including their lead-in wiring,mastsor towers; Except as provided in the Outdoor Property Coverage Extension; j.Watercraft (including motors, equipment and accessories) while afloat; k.Accounts and bills, except as provided in the Accounts Receivable Coverage Extension; l."Valuable Papers and Records,"except as provided in the Valuable Papers and Records CoverageExtension; SB-146801-J(Ed.10-19) SB-146801-J Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 3 of 26(Ed. 10-19) m.Property that is covered under another Coverage Form of this or any other policy in which it is morespecifically described, except for the excess of the amount due (whether you can collect on it or not)from thatother insurance; n."Fine Arts," except as provided in the Fine Arts Additional Coverage; o.Bullion,gold,silver,platinum and other precious alloys or metals,unless they are used in your "operations"(theft limitation applies); p."Electronic data processing equipment"and "Electronic media and data"(not including "stock"),except asprovidedintheElectronicDataProcessingEquipment,Electronic Media and Data and Electronic Data (EDPCoverageForm)Coverage Extension,the Business Income And Extra Expense Coverage Extension,theAccounts Receivable Coverage Extension or the Targeted Hacker Attack Coverage Extension; Your Business Personal Property coverage is extended to provide excess coverage for loss to the ElectronicDataProcessingEquipmentandElectronicMediaandData(EDP Coverage Form)located only at thedescribedpremisesandresultingfromaCoveredCauseofLoss.All exclusions applicable to BusinessPersonal Property apply to this excess coverage. This excess coverage is included in and is not in addition tothe limits applicable to your Business Personal Property. q.Outdoor signs, except as provided in the Signs Coverage Extension; r."Virtual currency." 3.Covered Causes of Loss RISKS OF DIRECT PHYSICAL LOSS unless the loss is: a.Excluded in section B. EXCLUSIONS; b.Limited in paragraph A.4. Limitations; or c.Excluded or limited by other provisions of this policy. 4.Limitations a.We will not pay for loss of or damage to: (1)The "interior of any building or structure"or to personal property in the building or structure,caused byrain, snow, sleet or ice whether driven by wind or not, unless: (a)The building or structure first sustains actual damage to the roof or walls by wind or hail and then wewillpayonlyforthelosstothe"interior of the building or structure"or the personal property in thebuildingorstructurethatiscausedbyrain,snow,sleet,sand or dust entering the building(s)orstructure(s) through openings in the roof or walls made by direct action of wind; or (b)The loss or damage is caused by or results from thawing of snow,sleet or ice on the building orstructure. (2)Steam boilers,steam pipes,steam engines or steam turbines caused by or resulting from any conditionoreventinsidesuchequipment.But we will pay for loss of or damage to such equipment caused by orresultingfromanexplosionofgassesorfuelwithinthefurnaceofanyfiredvesselorwithinthefluesorpassages through which the gasses of combustion pass. (3)Hot water boilers or other water heating equipment caused by or resulting from any condition or eventinside such boilers or equipment, other than an explosion. b.We will not pay for loss of or damage to the following types of property unless caused by any of the "specifiedcauses of loss" or building glass breakage (1)Live animals,birds or fish,and then only if they are killed or their destruction is made necessary.Thislimitation does not apply to animals, birds or fish owned by you and held as "stock." (2)Fragile articles such as glassware,statuary,marbles,chinaware and porcelains,if broken.This limitationdoes not apply to: (a)Glass that is part of the exterior or interior of a building or structure; (b)Containers or property held for sale; or ªH " ( ¢ # u h 2 { 3 ¥ 4 ` « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 1 9 4 SB-146801-J(Ed.10-19) SB-146801-J Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 4 of 26(Ed. 10-19) (c)Photographic or scientific instrument lenses. c.For loss or damage by theft, the following types of property are covered only up to the limits shown: (1)$2,500 for furs, fur garments, and garments trimmed with fur. (2)$5,000 for jewelry,watches,watch movements,jewels,pearls,precious and semi-precious stones,bullion,gold,silver,platinum and other precious alloys or metals.This limit does not apply to jewelry andwatches worth $500 or less per item. (3)$25,000 for patterns, dies, molds and forms. d.We will not pay for any loss or damage caused by any of the following even if they are Covered Causes ofLossifthebuildingwherelossordamageoccurshasbeen"vacant"for more than 60 consecutive daysbefore that loss or damage occurs: (1)Vandalism; (2)Sprinkler leakage, unless you have protected the system against freezing; (3)Building glass breakage; (4)Discharge or leakage of water; (5)"Theft"; or (6)Attempted "theft." With respect to Covered Causes of Loss other than those listed in 4.d.(1)through 4.d.(6)above,we willreduce the amount we would otherwise pay for the loss or damage by 15%. 5.Additional Coverages Additional Coverages may be attached to this Policy (designation would appear in the attached form(s)).Unlessotherwisestated,payments made under these Additional Coverages are in addition to the applicable Limits ofInsurance. 6.Coverage Extensions Coverage forms may be attached to this Policy and designated as Coverage Extensions (such designation wouldappearintheattachedform(s)).Unless otherwise stated,payments made under these Coverage Extensions aresubject to and not in addition to the applicable Limits of Insurance in this Coverage Form. B.EXCLUSIONS 1.We will not pay for loss or damage caused directly or indirectly by any of the following.Such loss or damage isexcluded regardless of any other cause or event that contributes concurrently or in any sequence to the loss. a.Ordinance or Law (1)The enforcement of any ordinance or law: (a)Regulating the construction, use or repair of any property; or (b)Requiring the tearing down of any property, including the cost of removing its debris. (2)This exclusion applies whether the loss results from: (a)An ordinance or law that is enforced even if the property has not been damaged; or (b)The increased costs incurred to comply with an ordinance or law in the course of construction,repair,renovation,remodeling or demolition of property,or removal of its debris,following a physical loss tothat property. b.Earth Movement (1)Earthquake, including any earth sinking, rising or shifting related to such event; (2)Landslide, including any earth sinking, rising or shifting related to such event; (3)Mine subsidence, meaning subsidence of a man-made mine, whether or not mining activity has ceased; SB-146801-J(Ed.10-19) SB-146801-J Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 5 of 26(Ed. 10-19) (4)Earth sinking (other than sinkhole collapse),rising or shifting including soil conditions which causesettling,cracking or other disarrangement of foundations or other parts of realty.Soil conditions includecontraction,expansion,freezing,thawing,erosion,improperly compacted soil and the action of waterunder the ground surface. But if Earth Movement,as described in Paragraphs (1)through (4)above,results in fire or explosion,wewill pay for the loss or damage caused by that fire or explosion. (5)Volcanic eruption,explosion or effusion.But if volcanic eruption,explosion or effusion results in fire,building glass breakage or volcanic action,we will pay for the loss or damage caused by that fire,orvolcanic action. Volcanic action means direct loss or damage resulting from the eruption of a volcano when the loss ordamage is caused by: (a)Airborne volcanic blast or airborne shock waves; (b)Ash, dust or particulate matter; or (c)Lava flow. Volcanic action does not include the cost to remove ash,dust or particulate matter that does not causedirect physical loss of or damage to Covered Property. c.Governmental Action Seizure or destruction of property by order of governmental authority. But we will pay for loss or damage caused by or resulting from acts of destruction ordered by governmentalauthority and taken at the time of a fire to prevent its spread, if the fire would be covered under this policy. d.Nuclear Hazard Nuclear reaction or radiation, or radioactive contamination, however caused. But if nuclear reaction or radiation,or radioactive contamination,results in fire,we will pay for the loss ordamage caused by that fire. e.Power Failure or Fluctuation The failure or fluctuation of power or other utility service supplied to the described premises,however caused,if the cause of the failure or fluctuation occurs away from the described premises. But if the failure or fluctuation of power or other utility service results in a Covered Cause of Loss,we will payfor the loss or damage caused by that covered cause of Loss. f.War And Military Action (1)War, including undeclared or civil war; (2)Warlike action by a military force, including action in hindering or defending against an actual or expectedattack, by any government, sovereign or other authority using military personnel or other agents; or (3)Insurrection,rebellion,revolution,usurped power,or action taken by governmental authority in hinderingor defending against any of these. g.Water (1)"Flood,"surface water,waves,tides,tidal waves,overflow of any body of water,or their spray,allwhether driven by wind or not; (2)Mudslide or mudflow; (3)Water or sewage that backs up or overflows from a sewer, drain or sump; or (4)Water under the ground surface pressing on, or flowing or seeping through: (a)Foundations, walls, floors or paved surfaces; (b)Basements, whether paved or not; or (c)Doors, windows or other openings. ªH " ( ¢ # u h 2 { 3 ¥ 5 m « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 1 9 5 SB-146801-J(Ed.10-19) SB-146801-J Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 6 of 26(Ed. 10-19) But if Water, as described in Paragraphs (1)through (4),results in fire,explosion or sprinkler leakage,wewill pay for the loss or damage caused by that fire, explosion or sprinkler leakage. h.Neglect Neglect of an insured to use reasonable means to save and preserve property from further damage at andafter the time of loss. i.Collapse of Buildings Collapse of buildings meaning an abrupt falling down or caving in of a building or any part of a building withthe result being that the building or part of a building cannot be occupied for its intended purpose. (1)This exclusion does not apply to collapse of buildings if caused only by one or more of the following: (a)A "specified cause of loss" or breakage of building glass; (b)Decay,insect or vermin damage that is hidden from view,unless the presence of such decay orinsect or vermin damage is known to an insured prior to collapse; (c)Weight of people or personal property; (d)Weight of rain that collects on a roof; or (e)Use of defective material or methods in construction,remodeling or renovation if the collapse occursduring the course of construction, remodeling or renovation; or (f)Use of defective material or methods in construction,remodeling or renovation if the collapse occursafterconstruction,remodeling or renovation is complete and is caused in part by a cause of losslisted in Paragraphs (a) through (d) above. In the event collapse results in a Covered Cause of Loss,we will only pay for the resulting loss ordamage by that Covered Cause of Loss. (2)We will not pay for loss of or damage to the following types of property,if otherwise covered in thisCoverage Form under Paragraphs (1)(b) through (1)(f) above, unless the loss or damage is a direct resultof the collapse of a building: (a)Awnings, gutters and downspouts; (b)Outdoor radio or television antennas (including microwave or satellite dishes) and their lead-in wiring,masts or towers; (c)Fences; (d)Piers, wharves and docks; (e)Beach or diving platforms or appurtenances; (f)Retaining walls; (g)Walks, roadway and other paved surfaces; (h)Yard fixtures; or (i)Outdoor swimming pools. (3)A building or part of a building that: (a)Is in imminent danger of abruptly falling down or caving in; or (b)Suffers a substantial impairment of structural integrity; is not considered to have collapsed but is considered to be in a state of imminent collapse. (4)With respect to buildings in a state of imminent collapse,we will not pay for loss or damage unless thestateofimminentcollapsefirstmanifestsitselfduringthepolicyperiodandiscauseonlybyoneormoreof the following which occurs during the policy period: (a)A "specified cause of loss" or breakage of glass (b)Weight of people or personal property; SB-146801-J(Ed.10-19) SB-146801-J Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 7 of 26(Ed. 10-19) (c)Weight of rain that collects on a roof; or (d)Use of defective material or methods in construction,remodeling or renovation if the state ofimminent collapse occurs during the course of construction, remodeling or renovation. j.Malicious Code Any "malicious code." k.System Penetration Any "system penetration." l.Denial of Service Any "denial of service." 2.We will not pay for loss or damage caused by or resulting from any of the following: a.Electrical Apparatus Artificially generated electrical current,including electric arcing,that disturbs electrical devices,appliances orwires. But if artificially generated electrical current results in fire, we will pay for the loss or damage caused by fire. b.Consequential Loss Delay, loss of use or loss of market. c.Smoke, Vapor, Gas Smoke, vapor or gas from agricultural smudging or industrial operations. d.Other Types Of Loss (1)Wear and tear; (2)Rust,corrosion,fungus,decay,deterioration,hidden or latent defect or any quality in property thatcauses it to damage or destroy itself; (3)Smog; (4)Settling, cracking, shrinking or expansion; (5)Nesting or infestation,or discharge or release of waste products or secretions,by insects,birds,rodentsor other animals; (6)Mechanical breakdown, including rupture or bursting caused by centrifugal force. (7)The following causes of loss to personal property: (a)Dampness or dryness of atmosphere; (b)Changes in or extremes of temperature; or (c)Marring or scratching. (d)Changes in flavor, color, texture or finish; (e)Evaporation or leakage; or (8)Contamination by other than "pollutants." But if an excluded cause of loss that is listed in Paragraphs (1)through (8)above results in a "specifiedcauseofloss,"building glass breakage,or "breakdown"to "covered equipment"(only if otherwise aCoveredCauseofLoss),we will pay for the loss or damage caused by that "specified cause of loss,"building glass breakage or "breakdown"to "covered equipment"(only if otherwise a Covered Cause ofLoss). e.Steam Apparatus Explosion of steam boilers,steam pipes,steam engines or steam turbines owned or leased by you,oroperatedunderyourcontrol.But if explosion of steam boilers,steam pipes,steam engines or steam turbines ªH " ( ¢ # u h 2 { 3 ¥ 6 z « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 1 9 6 SB-146801-J(Ed.10-19) SB-146801-J Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 8 of 26(Ed. 10-19) results in fire or combustion explosion,we will pay for the loss or damage caused by that fire or combustionexplosion.We will also pay for loss or damage caused by or resulting from the explosion of gases or fuelwithinthefurnaceofanyfiredvesselorwithinthefluesorpassagesthroughwhichthegasesofcombustionpass. f.Seepage Continuous or repeated seepage or leakage of water,or the presence of condensation of humidity,moistureor vapor, that occurs over a period of 14 days or more. g.Frozen Plumbing Water,other liquids,powder or molten material that leaks or flows from plumbing,heating,air conditioning orother equipment (except fire protective systems) caused by or resulting from freezing, unless: (1)You do your best to maintain heat in the building or structure; or (2)You drain the equipment and shut off the supply if the heat is not maintained. h.Dishonesty Dishonest or criminal acts by you,or any of your partners,"members,"officers,"managers,""employees"(including leased employees),directors,trustees,authorized representatives or anyone to whom you entrustthe property for any purpose: (1)Acting alone or in collusion with others; (2)Whether or not occurring during the hours of employment. This exclusion does not apply to acts of destruction to your property,or your "Electronic data processingequipment,""Electronic media and data,"and "Electronic data,"by your "employees"(including leasedemployees);but theft by employees (including leased employees)is not covered,except as provided in theEmployee Dishonesty Additional Coverage. i.False Pretense Voluntary parting with any property by you,or anyone else to whom you have entrusted the property,ifinduced to do so by any fraudulent scheme, trick, device or false pretense; or j.Exposed property Rain,snow,sand,dust,ice or sleet to personal property in the open,except as provided in the CoverageExtension for Outdoor Property. k.Pollution Discharge,dispersal,seepage,migration,release or escape of "pollutants"unless the discharge,dispersal,seepage,migration,release or escape is itself caused by any of the "specified causes of loss."But if thedischarge,dispersal,seepage,migration,release or escape of "pollutants"results in a "specified cause ofloss," we will pay for the loss or damage caused by that "specified cause of loss" l.Inventory Shortage, mysterious disappearance Property that is missing,where the only evidence of the loss or damage is a shortage disclosed on takinginventory,or other instances where there is no physical evidence to show what happened to the property.This exclusion does not apply to "money" and "securities" m.Inventory Computation Loss of property or that part of any loss, the proof of which as to its existence or amount is dependent on: (1)Any inventory computation; or (2)A profit and loss computation. n.Transfer of Property The transfer of property to a person or to a place outside the described premises,on the basis ofunauthorized instructions. SB-146801-J(Ed.10-19) SB-146801-J Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 9 of 26(Ed. 10-19) o.Accounting Errors Loss of "money" or "securities" caused by or resulting from accounting or arithmetic errors or omissions. p.Cost of Correction The cost of correcting or making good the damage to personal property attributable to such property beingprocessed, manufactured, tested, repaired, restored, retouched or otherwise being worked on. q.Fraudulent Electronic Communication Any loss caused by or resulting from phished,spoofed,fraudulent or fake wire transfer instructions,emails orother electronic communication. 3.We will not pay for loss or damage caused by or resulting from any of the following Paragraphs a.through c.But ifanexcludedcauseoflossthatislistedinParagraphsa.through c.results in a Covered Cause of Loss,we willpay for the loss or damage caused by that Covered Cause of Loss. a.Weather Conditions Weather conditions.But this exclusion only applies if weather conditions contribute in any way with a causeor event excluded in Paragraph B.1. above to produce the loss or damage. b.Acts or Decisions Acts or decisions,including the failure to act or decide,of any person,group,organization or governmentalbody. c.Negligent Work Faulty, inadequate or defective: (1)Planning, zoning, development, surveying, siting; (2)Design, specifications, workmanship, repair, construction, renovation, remodeling, grading, compaction; (3)Materials used in repair, construction, renovation or remodeling; or (4)Maintenance; of part or all of any property on or off the described premises. If an excluded cause of loss that is listed in Paragraphs (1)through (4)above results in a Covered Cause ofLoss, we will pay for the resulting loss or damage caused by that Covered Cause of Loss.But we will not payfor: (1)Any cost of correcting or making good the fault,inadequacy or defect itself,including any cost incurred totear down, tear out, repair or replace any part of any property to correct the fault, inadequacy or defect; or (2)Any resulting loss or damage by a Covered Cause of Loss to the property that has the fault,inadequacyor defect until the fault, inadequacy or defect is corrected. 4.Business Income and Extra Expense Exclusions a.We will not pay for: (1)Any Extra Expense, or increase of Business Income loss, caused by or resulting from: (a)Delay in rebuilding,repairing or replacing the property or resuming "operations,"due to interferenceat the location of the rebuilding, repair or replacement by strikers or other persons; or (b)Suspension,lapse or cancellation of any license,lease or contract.But if the suspension,lapse orcancellationisdirectlycausedbythesuspensionof"operations,"we will cover such loss that affectsyour Business Income during the "period of restoration." b.Any other consequential loss. C.Limits of Insurance 1.Unless otherwise stated,the most we will pay for loss or damage in any one "occurrence"is the applicable Limitof Insurance shown in the Declarations, Schedules, Coverage Forms, or endorsements. ªH " ( ¢ # u h 2 { 3 ¥ 7 « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 1 9 7 SB-146801-J(Ed.10-19) SB-146801-J Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 10 of 26(Ed. 10-19) 2.Inflation Guard a.When a percentage for Inflation Guard is shown in the Declarations,the Limit of Insurance for property towhich this coverage applies will automatically increase by that annual percentage. b.The amount of increase will be: (1)The Limit of Insurance that applied on the most recent of the policy inception date,the policy anniversarydate, or any other policy change amending the Limit of Insurance, multiplied by (2)The percentage of annual increase shown in the Declarations,expressed as a decimal (example:5%is.05), multiplied by (3)The number of days since the beginning of the current policy year or the effective date of the most recentpolicy change amending the Limit of Insurance, divided by 365. Example: If: The applicable Buildinglimit is $100,000 The annual percentageincrease is 5% The number of days sincethe beginning of the policyyear (or last policy change)is 146 The amount of increase is $100,000 x .05 x (146/365) = $2,000 D.DEDUCTIBLES 1.We will not pay for loss or damage in any one "occurrence"until the amount of loss or damage exceeds theBusinessownersPropertyCoverageDeductibleamountshownintheDeclarations.We will then pay the amountof loss or damage in excess of the Deductible up to the applicable Limit of Insurance. 2.Regardless of the amount of the Businessowners Property Coverage Deductible,the most we will deduct fromanylossordamageundertheBuildingGlassCoverageExtensioninanyone"occurrence"is the Building GlassDeductible shown in the Declarations. 3.The Businessowners Property Coverage Deductible does not apply to any of the following if they are included aspart of this policy: a.Fire Department Service Charge b.Business Income and Extra Expense c.Arson and Theft Reward; and d.Accounts Receivable; e.Any other property coverage with a specific deductible amount shown in the coverage form or declaration. 4.If more than one deductible applies to loss or damage in any one "occurrence",we will apply each deductibleseparately.But the total of all deductible amounts applied in any one "occurrence"will not exceed the largestapplicable deductible. E.PROPERTY LOSS CONDITIONS 1.Abandonment There can be no abandonment of any property to us. 2.Appraisal If we and you disagree on the amount of loss, either may make written demand for an appraisal of the loss.In thisevent, each party will select a competent and impartial appraiser.The two appraisers will select an umpire.If they SB-146801-J(Ed.10-19) SB-146801-J Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 11 of 26(Ed. 10-19) cannot agree,either may request that selection be made by a judge of a court having jurisdiction.The appraiserswillstateseparatelytheamountofloss.If they fail to agree,they will submit their differences to the umpire.Adecision agreed to by any two will be binding. Each party will: a.Pay its chosen appraiser; and b.Bear the other expenses of the appraisal and umpire equally. If there is an appraisal, we will still retain our right to deny the claim. 3.Duties In The Event Of Loss Or Damage a.You must see that the following are done in the event of loss or damage to Covered Property: (1)Notify the police if a law may have been broken. (2)Give us prompt notice of the loss or damage. Include a description of the property involved. (3)As soon as possible, give us a description of how, when and where the loss or damage occurred. (4)Take all reasonable steps to protect the Covered Property from further damage,and keep a record ofyourexpensesnecessarytoprotecttheCoveredProperty,for consideration in the settlement of theclaim.This will not increase the Limits of Insurance.However,we will not pay for any loss or damagefromacauseoflossthatisnotaCoveredCauseofLoss.Also,if feasible,set the damaged propertyaside and in the best possible order for examination. (5)At our request,give us complete inventories of the damaged and undamaged property.Includequantities, costs, values and amount of loss claimed. (6)As often as may be reasonably required,permit us to inspect the property proving the loss or damageand examine your books and records. Also permit us to take samples of damaged and undamaged property for inspection,testing an analysis,and permit us to make copies from your books and records. (7)Send us a signed, sworn proof of loss containing the information we request to investigate the claim.Youmust do this within 60 days after our request. We will supply you with the necessary forms. (8)Cooperate with us in the investigation or settlement of the claim. (9)Resume all or part of your "operations" as quickly as possible. b.We may examine any insured under oath, while not in the presence of any other insured and at such times asmaybereasonablyrequired,about any matter relating to this insurance or the claim,including an insured'sbooks and records. In the event of an examination, an insured's answers must be signed. 4.Loss Payment – Building and Personal Property a.In the event of loss or damage covered by this Coverage Form, at our option, we will either: (1)Pay the value of lost or damaged property; (2)Pay the cost of repairing or replacing the lost or damaged property, subject to b. below; (3)Take all or any part of the property at an agreed or appraised value; or (4)Repair, rebuild or replace the property with other property of like kind and quality, subject to b. below. We will determine the value of lost or damaged property,or the cost of its repair or replacement,inaccordancewiththeapplicabletermsof4.e.below or any applicable provision which amends or supersedesthe value of Covered Property. b.The cost to repair,rebuild or replace does not include the increased cost attributable to enforcement of anyordinanceorlawregulatingtheconstruction,use or repair of any property,except as provided in theOrdinance or Law Additional Coverage. c.We will give notice of our intentions within 30 days after we receive the proof of loss. d.We will not pay you more than your financial interest in the Covered Property. e.We will determine the value of Covered Property as follows: ªH " ( ¢ # u h 2 { 3 ¥ 8 - « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 1 9 8 SB-146801-J(Ed.10-19) SB-146801-J Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 12 of 26(Ed. 10-19) (1)At replacement cost (without deduction for depreciation), except as provided in (2) through (18) below. (a)You may make a claim for loss or damage covered by this insurance on an actual cash value basisinsteadofonareplacementcostbasis.In the event you elect to have loss or damage settled on anactualcashvaluebasis,you may still make a claim on a replacement cost basis if you notify us ofyour intent to do so within 180 days after the loss or damage. (b)We will not pay on a replacement cost basis for any loss or damage: (i)Until the lost or damaged property is actually repaired or replaced; and (ii)Unless the repairs or replacement are made as soon as reasonably possible after the loss ordamage. With respect to tenants' improvements and betterment's, the following also applies: a)If the conditions in (b)(i)and (b)(ii)above are not met,the value of tenants'improvements andbettermentswillbedeterminedasaproportionofyouroriginalcost,as set forth under 4e.(7)below; and b)We will not pay for loss or damage to tenants'improvements and betterments if others pay forrepairs or replacement. (c)We will not pay more for loss or damage on a replacement cost basis than the least of (i),(ii),or (iii)subject to (d) below: (i)The Limit of Insurance applicable to the lost or damaged property; (ii)The cost to replace the lost or damaged property with other property: a)Of comparable material and quality; and b)Used for the same purpose; or (iii)The amount actually spent that is necessary to repair or replace the lost or damaged property. If a building is rebuilt at a new premises,the cost described in (c)(ii)above is limited to the costwhich would have been incurred if the building had been rebuilt at the original premises. (d)The cost of repair or replacement does not include the increased cost attributable to enforcement ofany ordinance or law regulating the construction, use or repair of any property. (2)If the Declarations indicate that Actual Cash Value applies to Buildings or Business Personal Property,paragraph (1) above does not apply to the property for which Actual Cash Value is indicated. (3)Property of others at the amount you are liable plus the cost of labor,materials,or services furnished orarranged by you on personal property of others, not to exceed the replacement cost. (4)The following property at actual cash value: (a)Used or second-hand merchandise held in storage or for sale; (b)Household furnishings; (c)Personal effects. (5)"Fine Arts" as follows: (a)If there is a schedule of "fine arts"on file which includes a description and value of the lost ordamageditem,we will pay the value as stated in the schedule for that item if there is a total loss tothat item. If there is a partial loss to an item,we will pay the cost of reasonably restoring or repairingthat item. (b)For "fine arts"without a schedule on file as described in paragraph (a)above,the value of "fine arts"will be the least of the following amounts: (i)Market value of the lost or damaged item at the time and place of loss; (ii)The cost of reasonably restoring the lost or damaged item; or (iii)The cost of replacing that lost or damaged item with property substantially the same. SB-146801-J(Ed.10-19) SB-146801-J Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 13 of 26(Ed. 10-19) (6)Glass at the cost of replacement with safety glazing material if required by law. (7)Tenants' Improvements and Betterments at: (a)Replacement cost if you make repairs promptly. (b)A proportion of your original cost if you do not make repairs promptly.We will determine theproportionate value as follows: (i)Multiply the original cost by the number of days from the loss or damage to the expiration date ofthe lease; and (ii)Divide the amount determined in (i)above by the number of days from the installation ofimprovements to the expiration of the lease. If your lease contains a renewal option,the expiration of the renewal option period will replace theexpiration of the lease in this procedure. (c)Nothing, if others pay for repairs or replacement. (8)"Valuable Papers and Records"at the cost of restoration or replacement.To the extent that the contentsofthe"valuable papers and records"are not restored or replaced,the "valuable papers and records"willbe valued at the cost of replacement with blank material of substantially identical type. (9)"Stock"you have sold but not delivered at the selling price less discounts and expenses you otherwisewould have had. (10)Property in transit (other than "stock"you have sold)at the amount of invoice,including your prepaid oradvancedfreightchargesandotherchargeswhichmayhaveaccruedorbecomelegallyduefromyousince the shipment. If you have no invoice, the actual cash value will apply. (11)"Money" at its face value. (12)"Securities" at their value at the close of business on the day the loss is discovered. (13)Accounts Receivable as follows: (a)If you cannot accurately establish the amount of Accounts Receivable outstanding as of the time ofloss, we will: (i)Determine the total of the average monthly amounts of Accounts Receivable for the 12 monthsimmediately preceding the month in which the loss occurs; and (ii)Adjust that total for any normal fluctuations in the amount for Accounts Receivable for the monthin which the loss occurred or for any demonstrated variance from the average for that month. (b)If you can accurately establish the amount of Accounts Receivable outstanding,that amount will beused in the determination of loss. (c)The following will be deducted from the total amount of Accounts Receivable, however that amount isestablished: (i)The amount of the accounts for which there was no loss; (ii)The amount of the accounts that you are able to reestablish or collect; (iii)An amount to allow for probable bad debts that you are normally unable to collect; and (iv)All unearned interest and service charges. (14)"Electronic Data Processing Equipment"at replacement cost as of the time and place of loss,withoutdeductionforphysicaldeterioration,depreciation,obsolescence or depletion.However,in the event ofreplacementof"electronic data processing equipment"with identical property is impossible,thereplacementcostwillbethecostofitemsthataresimilartothedamagedordestroyedequipmentandintended to perform the same function, but which may include technological advances. "Electronic data processing equipment"that is obsolete or no longer used by you will be valued at actualcash value. (15)"Electronic Media and Data" at the cost of the same or similar blank media. ªH " ( ¢ # u h 2 { 3 ¥ 9 : « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 1 9 9 SB-146801-J(Ed.10-19) SB-146801-J Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 14 of 26(Ed. 10-19) (16)"Electronic Data": (a)For which duplicates or back-ups do not exist,will be valued at your cost to research,replace orrestore the "electronic data," but only if the "electronic data" is actually replaced or restored. (b)For which full duplicates or back-ups exist,will be valued at your cost of labor to copy the "electronicdata" from such duplicates or back-ups, but only if the "electronic data" is actually copied. (c)For which partial duplicates or back-ups exist,will be valued at your cost of labor to copy the partial"electronic data"from such duplicates or back-ups,and your cost to research,replace or restore theremaining"electronic data,"but only if the "electronic data"is actually copied and replaced orrestored. (d)In the event that you are not able to copy "electronic data"from back-ups,or replace or restore,"electronic data"will be valued at your cost of labor up to the point in time that you reach thatdetermination. (17)The value of United States Government Internal Revenue taxes and custom duties and refundable stateandlocaltaxespaidorfullydeterminedonthefollowingpropertyheldforsalewillnotbeconsideredindetermining the value of Covered Property: (a)Distilled spirits; (b)Wines; (c)Rectified products; or (d)Beer. (18)Lottery tickets at their initial cost to you except for winning tickets at their redeemed value. f.Our payment for loss of or damage to personal property of others will only be for the account of the owners oftheproperty.We may adjust losses with the owners of lost or damaged property,if other than you.If we paytheowners,such payments will satisfy your claims against us for the owners'property.We will not pay theowners more than their financial interest in the Covered Property. g.We may elect to defend you against suits arising from claims of owners of property.We will do so at ourexpense. h.We will pay for covered loss or damage within 30 days after we receive the sworn proof of loss provided youhave complied with all of the terms of this policy; and (1)We have reached agreement with you on the amount of loss; or (2)An appraisal award has been made. i.At our option,we may make a partial payment toward any claims,subject to the policy provisions and ournormaladjustmentprocess.To be considered for partial claim payment,you must submit a partial swornproofoflosswithsupportingdocumentation.Any applicable policy deductibles must be satisfied before anypartial payments are made. j.Pair, Sets or Parts 1.Pair or Set. In case of "loss" to any part of a pair or set we may: (a)Repair or replace any part to restore the pair or set to its value before the "loss"; or (b)Pay the difference between the value of the pair or set before and after the "loss." 2.Parts. In case of "loss" to any part of Covered Property consisting of several parts when complete,we willonly pay for the value of the lost or damaged part. k.Commodity Stock We will determine the value of merchandise and raw materials that are bought and sold at an establishedmarket exchange. We will determine the value at: (1)The posted market price as of the time and place of loss; (2)Less discounts and expenses you otherwise would have had. SB-146801-J(Ed.10-19) SB-146801-J Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 15 of 26(Ed. 10-19) 5.Loss Payment – Business Income and Extra Expense a.If the Declarations indicate that Business Income and Extra Expense applies to Buildings or BusinessPersonal Property, the amount of Business Income loss will be determined based on: (1)The Net Income of the business before the direct physical loss or damage occurred; (2)The likely Net Income of the business if no physical loss or damage occurred,but not including any likelyincreaseinNetIncomeattributabletoanincreaseinthevolumeofbusinessasaresultiffavorablebusinessconditionscausedbytheimpactoftheCoveredCauseofLossoncustomersoronotherbusinesses; (3)The operating expenses,including payroll expenses,necessary to resume "operations"with the samequality of service that existed just before the direct physical loss or damage; and (4)Other relevant sources of information, including: (a)Your financial records and accounting procedures; (b)Bills, invoices and other vouchers; and (c)Deeds, liens or contracts. b.The amount of Extra Expense will be determined based on: (1)All reasonable and necessary expenses that exceed the normal operating expenses that would havebeenincurredby"operations"during the "period of restoration"if no direct physical loss or damage hadoccurred. We will deduct from the total of such expenses: (a)The salvage value that remains of any property bought for temporary use during the "period ofrestoration," once "operations" are resumed; and (b)Any Extra Expense that is paid for by other insurance,except for insurance that is written subject tothe same plan, terms, conditions and provisions as this insurance; and (2)All reasonable and necessary expenses that reduce the Business Income loss that otherwise would havebeen incurred. c.We will reduce the amount of your: (1)Business Income loss,other than Extra Expense,to the extent you can resume your "operations,"inwholeorinpart,by using damaged or undamaged property (including merchandise or "stock")at thedescribed premises or elsewhere; or (2)Extra Expense loss to the extent you can return "operations"to normal and discontinue such ExtraExpense. d.If you do not resume "operations," or do not resume "operations"as quickly as possible,we will pay based onthe length of time it would have taken to resume "operations" as quickly as possible. e.We will pay for covered loss or damage within 30 days after we receive your sworn proof of loss provided youhave complied with all of the terms of this policy; and (1)We have reached agreement with you on the amount of loss; or (2)An appraisal award has been made. 6.Vacancy a.Description of Terms (1)As used in this Vacancy Condition,the term building and the term vacant have the meanings set forth inParagraphs (a) and (b) below: (a)When this policy is issued to a tenant,and with respect to that tenant's interest in Covered Property,building means the unit or suite rented or leased to the tenant.Such building is vacant when it doesnot contain enough business personal property to conduct customary operations. (b)When this policy is issued to the owner or general lessee of a building,building means the entirebuilding. Such building is vacant unless at least 31% of its total square footage is: ªH " ( ¢ # u h 2 { 4 ¥ 0 7 « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 0 0 SB-146801-J(Ed.10-19) SB-146801-J Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 16 of 26(Ed. 10-19) i.Rented to a lessee or sub-lessee and used by the lessee or sub-lessee to conduct its customaryoperations; and/or ii.Used by the building owner to conduct customary operations. (2)Buildings under construction or renovation are not considered vacant. b.Vacancy Provisions If the building where loss or damage occurs has been vacant for more than 60 consecutive days before thatloss or damage occurs: (1)We will not pay for any loss or damage caused by any of the following even if they are Covered Causesof Loss: (a)Vandalism; (b)Sprinkler leakage, unless you have protected the system against freezing; (c)Building glass breakage; (d)Water damage; (e)Theft; or (f)Attempted theft. With respect to Covered Causes of Loss other than those listed in paragraphs (1)(a)through (1)(f)above,we willreduce the amount we would otherwise pay for the loss or damage by 15%. 7.Recovered Property If either you or we recover any property after loss settlement,that party must give the other prompt notice.At youroption, you may retain the property. But then you must return to us the amount we paid to you for the property. Wewillpaytherecoveryexpensesandtheexpensestorepairtherecoveredproperty,subject to the applicable Limitof Insurance. 8.Noncumulative Limit No Limit of Insurance cumulates from policy period to policy period. F.COMMERCIAL PROPERTY CONDITIONS 1.Concealment, Misrepresentation or Fraud This policy is void in any case of fraud by you as it relates to this policy at any time.It is also void if you or anyother insured, at any time, intentionally conceal or misrepresent a material fact concerning: a.This policy; b.The Covered Property; c.Your interest in the Covered Property; or d.A claim under this policy. 2.Control of Property Any act or neglect of any person other than you beyond your direction or control will not affect this insurance. The breach of any condition of this Coverage Form at any one or more premises will not affect coverage at anypremises where, at the time of loss or damage, the breach of condition does not exist. 3.Insurance Under Two or More Coverages If two or more of this policy's coverages apply to the same loss or damage,we will not pay more than the actualamount of the loss or damage. 4.Legal Action Against Us No one may bring a legal action against us under this Coverage Form unless: a.There has been full compliance with all of the terms of this Coverage Form; and SB-146801-J(Ed.10-19) SB-146801-J Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 17 of 26(Ed. 10-19) b.The action is brought within 2 years after the date on which the direct physical loss or damage occurred. 5.Liberalization If,during your policy period,we adopt any revision that would broaden the coverage under this policy withoutadditionalpremiumthebroadenedcoveragewillimmediatelyapplytothispolicy.The broadened coverage willalso apply to the renewal of this policy if such renewal was in process,or was mailed prior to the date we adoptedsuch revision. 6.No Benefit to Bailee No person or organization, other than you, having custody of Covered Property will benefit from this insurance. 7.Other Insurance a.You may have other insurance subject to the same plan,terms,conditions and provisions as the insuranceunderthisCoverageForm.If you do,we will pay our share of the covered loss or damage.Our share is theproportion that the applicable Limit of Insurance under this Coverage Form bears to the Limits of Insurance ofall insurance covering on the same basis. b.If you have other insurance covering the same loss or damage,other than that described in Paragraph a.above,we will pay only for the amount of covered loss or damage in excess of the amount due from thatotherinsurance,whether you can collect on it or not.But we will not pay more than the applicable Limit ofInsurance. 8.Policy Period, Coverage Territory Under this Coverage Form: a.We cover loss or damage you sustain through acts committed or events occurring: (1)During the policy period shown in the Declarations; and (2)Within the coverage territory; and b.The coverage territory is: (1)The United States of America (including its territories and possessions); (2)Puerto Rico; and (3)Canada 9.Transfer of Rights of Recovery Against Others To Us Applicable to the Businessowners Property coverage: If any person or organization to or for whom we make payment under this policy has rights to recover damagesfromanother,those rights are transferred to us to the extent of our payment.That person or organization must doeverythingnecessarytosecureourrightsandmustdonothingafterlosstoimpairthem.But you may waive yourrights against another party in writing. a.Prior to a loss to your Covered Property or Covered Income; or b.After a loss to your Covered Property only if, at the time of loss, that party is one of the following: (1)Someone insured by this insurance; (2)A business firm: (a)Owned or controlled by you; or (b)That owns or controls you; or (3)Your tenant. This will not restrict your insurance. 10.Coinsurance If a Coinsurance percentage is shown in the Declarations, the following condition applies. ªH " ( ¢ # u h 2 { 4 ¥ 1 D « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 0 1 SB-146801-J(Ed.10-19) SB-146801-J Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 18 of 26(Ed. 10-19) a.We will not pay the full amount of any loss if the value of Covered Property at the time of loss multiplied bytheCoinsurancepercentageshownforitintheDeclarationsisgreaterthantheLimitofInsurancefortheproperty Instead, we will determine the most we will pay using the following steps: (1)Multiply the value of Covered Property at the time of loss by the Coinsurance Percentage; (2)Divide the Limit of Insurance of the property by the figure determined in step (1); (3)Multiply the total amount of the covered loss,before the application of any deductible,by the figuredetermined in step (2) above; and (4)Subtract the deductible from the figure determined in step (3). We will pay the amount determined in step (4) or the limit of insurance, whichever is less. For the remainder, you will either have to rely on other insurance or absorb the loss yourself. Example No. 1 (Under Insurance): When: The value of the property is $250,000 The coinsurance percent forit is 90% The Limit of Insurance forit is $112,500 The Deductible is $250 The amount of loss is $40,000 Step (1):$250,000 x 90%=$225,000 (the minimum amount of insurance to meet your Coinsurancerequirements) Step (2): $112,500/$225,000 = .50 Step (3): $40,000 x .50 = $20,000 Step (4): $20,000 - $250 = $19,750 We will pay no more than $19,750. The remaining $20,250 is not covered. Example No. 2 (Adequate Insurance): When: The value of the property is $250,000 The Coinsurance percentagefor it is 90% The Limit of Insurance for it is $225,000 The Deductible is $250 The amount of loss is $40,000 The minimum amount of insurance to meet your Coinsurance requirement is $225,000 ($250,000 x 90%). Therefore,the Limit of Insurance in this Example is adequate and no penalty applies.We will pay no morethan $39,750 ($40,000 amount of loss minus the deductible of $250). b.Coinsurance does not apply to: (1)"Money" and "securities"; (2)Additional Coverages; (3)Coverage Extensions; or SB-146801-J(Ed.10-19) SB-146801-J Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 19 of 26(Ed. 10-19) (4)Loss or damage in any one "occurrence" totaling less than $2,500. 11.Mortgageholders a.The term, mortgageholder, includes trustee. b.We will pay for covered loss of or damage to buildings or structures to each mortgageholder shown in theDeclarations in their order of precedence, as interests may appear. c.The mortgageholder has the right to receive loss payment even if the mortgageholder has started foreclosureor similar action on the building or structure. d.If we deny your claim because of your acts or because you have failed to comply with the terms of thisCoverage Form, the mortgageholder will still have the right to receive loss payment if the mortgageholder: (1)Pays any premium due under this Coverage Form at our request if you have failed to do so; (2)Submits a signed,sworn proof of loss within 60 days after receiving notice from us of your failure to doso; and (3)Has notified us of any change in ownership or occupancy or substantial change in risk known to themortgageholder. All of the terms of this Coverage Form will then apply directly to the mortgageholder. e.If we pay the mortgageholder for any loss or damage and deny payment to you because of your acts orbecause you have failed to comply with the terms of this Coverage Form: (1)The mortgageholder's rights under the mortgage will be transferred to us to the extent of the amount wepay; and (2)The mortgageholder's rights to recover the full amount of the mortgageholder's claim will not be impaired. At our option,we may pay to the mortgageholder the whole principal on the mortgage plus any accruedinterest.In this event,your mortgage and note will be transferred to us and you will pay your remainingmortgage debt to us. f.If we cancel this policy we will give written notice to the mortgageholder at least: (1)10 days before the effective date of cancellation if we cancel for your non-payment of premium; or (2)30 days before the effective date of cancellation if we cancel for any other reason. g.If we elect not to renew this policy,we will give written notice to the mortgageholder at least 10 days beforethe expiration date of this policy. G.PROPERTY DEFINITIONS 1."Banking Premises"means the interior of that portion of any building which is occupied by a banking institutionor similar safe depository. 2."Breakdown" a.Means: (1)Failure of pressure or vacuum equipment; (2)Mechanical failure, including rupture or bursting caused by centrifugal force; or (3)Electrical failure including arcing; That causes physical damage to "covered equipment" and necessitates its repair or replacement; and b.Does not mean: (1)Malfunction, including but not limited to adjustment, alignment, calibration, cleaning or modification; (2)Leakage at any valve, fitting, shaft seal, gland packing, joint or connection; (3)Damage to any vacuum tube, gas tube, or brush; (4)Damage to any structure or foundation supporting the "covered equipment" or any of its parts; ªH " ( ¢ # u h 2 { 4 ¥ 2 Q « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 0 2 SB-146801-J(Ed.10-19) SB-146801-J Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 20 of 26(Ed. 10-19) (5)The functioning of any safety or protective device; or (6) The cracking of any part on any internal combustion gas turbine exposed to the products of combustion. 3."Communication Supply Services" a.Means property supplying communication services,including telephone,radio,microwave or televisionservices to the described premises, such as: (1)Communication transmission lines, including fiber optic transmission lines; (2)Coaxial cables; and (3)Microwave radio relays, except satellites and; b.Does not mean overhead transmission lines. 4."Covered Equipment" a.Means the following types of equipment: (1)Equipment designed and built to operate under internal pressure or vacuum other than weight ofcontents; (2)Electrical or mechanical equipment that is used in the generation, transmission or utilization of energy; (3)Refrigeration or Air Conditioning systems; (4)Wiring, cable, including fiber optic cable; and (5)Hoists and cranes; b.Does not mean any (1)"Electronic data processing equipment"; (2)"Electronic media and data" or "electronic data"; (3)Part of pressure or vacuum equipment that is not under internal pressure of its contents or internalvacuum; (4)Insulating or refractory material; (5)Vessels,piping and other equipment (including conduit)that are buried below ground and require theexcavation of materials to inspect, remove, repair, or replace; (6)Structure, foundation, cabinet or compartment supporting or containing the "covered equipment" or part ofthe "covered equipment" including pen-stock, draft tube or well casing; (7)Vehicle,aircraft,self-propelled equipment or floating vessel,including any equipment mounted on orused solely with any vehicle, aircraft, self-propelled equipment or floating vessel; (8)Elevator or escalator, but not excluding any electrical machine or apparatus mounted on or used with thisequipment; or (9)Equipment or any part of such equipment manufactured by you for sale. 5."Diagnostic Equipment" means any: a.Equipment; or b.Apparatus; used solely for research, diagnostic, medical, surgical, therapeutic, dental or pathological purposes. 6."Electronic Data" a.Means information reduced to an electronic format for processing with and storage in "electronic dataprocessingequipment,"software and programming records and instructions used for "electronic dataprocessing equipment." b.Any reference to your "electronic data"means "electronic data"owned or licensed by you and stored on your"electronic data processing equipment." SB-146801-J(Ed.10-19) SB-146801-J Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 21 of 26(Ed. 10-19) c.Does not mean "valuable papers and records" or "virtual currency." 7."Electronic Media and Data" a.Means physical media on which "electronic data"is stored,and the "electronic data"stored thereon,includingwithoutlimitation,hard or floppy disks,CD-ROMS,tapes,drives,cells,data processing devices or any otherrepositories used with electronically controlled equipment. b.Any reference to your "electronic media and data"means "electronic media and data"owned by you andstored on your "electronic data processing equipment." c."Electronic media and data" does not mean any "valuable papers & records" or "virtual currency." 8."Electronic Data Processing Equipment" a.Means any of the following equipment: (1)Computers, facsimile machines, word processors, multi-functional telephones and computer servers, and (2)Any component parts and peripherals of such equipment, including related surge protection devices. (3)Laptops and personal digital assistants. (4) "Diagnostic Equipment" b."Electronic data processing equipment" does not mean equipment used to operate production type of: (1)Machinery; or (2)Equipment. c.Any reference to your "electronic data processing equipment"means "electronic data processing equipment"used in your "operations"and controlled and operated by you,and includes any "electronic data processingequipment" controlled or operated by a third party on your behalf. 9."Employee(s)" means: a.Any natural person: (1)While in your service (and for 30 days after termination of service); and (2)Whom you compensate directly by salary, wages or commissions; and (3)Whom you have the right to direct and control while performing services for you. b.Any natural person employed by an employment contractor while that person is subject to your direction andcontrolandperformingservicesforyouexcluding,however,any such person while having care and custodyof property outside the premises. c.Your directors or trustees while acting as a member of any of your elected or appointed committees toperform on your behalf specific, as distinguished from general, directorial acts. But "employee"does not mean any agent,broker,factor,commission merchant,consignee,independentcontractor or representative of the same general character. 10."Employee Dishonesty"means only dishonest acts,committed by an "employee,"whether identified or not,acting alone or in collusion with other persons,except you,a partner,a "member"or a "manager,"including the"theft" of Personal Property of Others in your care custody or control by an "employee," with the manifest intent to: a.Cause you, your customers or clients to sustain loss; and also b.Obtain financial benefit (other than salaries,commissions,fees,bonuses,promotions,awards,profit sharing,pensions or other employee benefits earned in the normal course of employment) for: (1)The "employee"; or (2)Any person or organization intended by the "employee" to receive that benefit. ªH " ( ¢ # u h 2 { 4 ¥ 3 ^ « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 0 3 SB-146801-J(Ed.10-19) SB-146801-J Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 22 of 26(Ed. 10-19) 11."Fine Arts" a.Means paintings,etchings,pictures,tapestries,art glass windows,valuable rugs,statuary,marbles,bronzes,antique furniture,rare books,antique silver,porcelains,rare glass,bric-a-brac,and similar property withhistorical value, or artistic merit; and b.Does not mean any glass that is a part of a building or structure. 12."Flood"means a general and temporary condition of partial or complete inundation of normally dry land areas,whether caused by natural "occurrences", acts or omissions of man or any other cause or combination of causes. All flooding in a continuous or protracted event will constitute a single "flood." 13."Forgery" means the signing of the name of another person or organization with intent to deceive."Forgery"doesnot mean a signature which consists in whole or in part of one's own name signed with or without authority,in anycapacity for any purpose. 14."Interior of any building or structure"as used in this policy means all portions of the structure that are withinthe exterior skin of the structure's walls and roof, including, but not limited to lathe,sand paper,framing,wallboardand tarpaper. 15."Maintenance Fees"means the regular payment made to you by unit-owners and used to service the commonproperty. 16."Manager" means a person serving in a directorial capacity for a limited liability company. 17."Member"means an owner of a limited liability company represented by its membership interest,who also mayserve as a "manager." 18."Money"means currency and coins in current use,bank notes,travelers checks,register checks and moneyorders held for sale to the public. However, "money" does not mean "virtual currency." 19."Occurrence"means one event or a series of related events that contribute concurrently to or contribute in anysequence to physical loss of or damage to property. However, with respect to: a.Equipment breakdown,"occurrence"means all equipment breakdowns that manifest themselves at the sametime and are the result of the same cause, regardless of the number of described premises involved. b.volcanic eruption, "occurrence" means all volcanic eruptions, explosions or effusions that occur within any168 hour period. c.Utility Services Coverage,"occurrence"means one event or a series of related events that contributeconcurrentlytoorcontributeinanysequencetophysicallossofordamagetoproperty,regardless of thenumber of described premises or the number of utility service providers or utility service properties involved inthe same event. This defined version of "occurrence"will supersede and replace the word 'occurrence'wherever it appears in thisBusinessowners Special Property Coverage Form, unless otherwise noted. 19."Operations"means the type of your business activities occurring at the described premises and tenantability ofthe described premises. 20."Period of restoration" means the period of time that: a.Begins with the date of direct physical loss or damage caused by or resulting from any Covered Cause ofLoss at the described premises; and b.Ends on the earlier of: (1)The date when the property at the described premises should be repaired,rebuilt or replaced withreasonable speed and similar quality; or (2)The date when business is resumed at a new permanent location. "Period of restoration" does not include any increased period required due to the enforcement of any law that: (a)Regulates the construction, use or repair, or requires the tearing down of any property; or (b)Regulates the prevention, control, repair, clean-up or restoration of environmental damage. SB-146801-J(Ed.10-19) SB-146801-J Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 23 of 26(Ed. 10-19) The expiration date of this policy will not cut short the "period of restoration." 21."Pollutants"means any solid,liquid,gaseous or thermal irritant or contaminant,including smoke,vapor,soot,fumes,acids,alkalis,chemicals,waste,and any unhealthful or hazardous building materials (including but notlimitedtoasbestosandleadproductsormaterialscontaininglead).Waste includes materials to be recycled,reconditioned or reclaimed. 22."Power Generating Equipment" a.Means the following types of equipment or apparatus: (1)Pressure; (2)Mechanical; or (3)Electrical; Used in or associated with the generation of electrical power; and b.Does not mean such equipment that is used solely to generate emergency power that is less than or equal to1000KW 23."Power Supply Services" a.Means the following types of property supplying electricity, steam or gas to the described premises: (1)Utility generating plants; (2)Switching stations; (3)Substations; (4)Transformers; and (5)Transmission Lines; and b.Does not mean overhead transmission lines. 24."Production Equipment" a.Means any: (1)Production machinery; or (2)Process machinery that processes, shapes, forms or grinds: i.Raw materials; ii.Materials in process; or iii.Finished products; and b.Includes "covered equipment" that is used solely with or forms an integral part of the: (1)Production; (2)Process; or (3)Apparatus. 25."Rental Value" means Business Income that consist of: a.Net income (Net Profit or Loss before income taxes)that would have been earned or incurred as rentalincomefromtenantoccupancyofthepremisesdescribedintheDeclarationsasfurnishedandequippedbyyou, including the fair rental value of any portion of the described premises which is occupied by you; and b.Continuing normal operating expenses incurred in connection with that premises, including: (1)Payroll; and (2)The amount of charges which are the legal obligation of the tenant(s)but would otherwise be yourobligations. ªH " ( ¢ # u h 2 { 4 ¥ 4 k « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 0 4 SB-146801-J(Ed.10-19) SB-146801-J Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 24 of 26(Ed. 10-19) 26."Securities"means negotiable and nonnegotiable instruments or contracts representing either "money"or otherproperty and includes: a.Tokens,tickets except lottery tickets,revenue and other non-postage stamps whether or not in current use;and b.Evidences of debt issued in connection with credit or charge cards, which are not of your own issue; but does not include "money." Lottery tickets held for sale and "virtual currency" are not securities. 27."Specified causes of loss" means the following: Fire;lightning;explosion;windstorm or hail;smoke;aircraft or vehicles;riot or civil commotion;vandalism;leakage from fire extinguishing equipment;sinkhole collapse;volcanic action;falling objects;weight of snow,iceor sleet; water damage. a.Sinkhole collapse means the sudden sinking or collapse of land into underground empty spaces created bythe action of water on limestone or dolomite. This cause of loss does not include: (1)The cost of filling sinkholes; or (2)Sinking or collapse of land into man-made underground cavities. b.Falling objects does not include loss of or damage to: (1)Personal Property in the open; or (2)The interior of a building or structure,or property inside a building or structure,unless the roof or anoutside wall of the building or structure is first damaged by a falling object. c.Water damage means: (1)Accidental discharge or leakage of water or steam as the direct result of the breaking apart or cracking ofanypartofasystemorappliance(other than a sump system including its related equipment and parts)that is located on the described premises and contains water or steam; and (2)Accidental discharge or leakage of water or waterborne material as the direct result of the breaking apartorcrackingofawaterorsewerpipecausedbywearandtear,when the pipe is located off the describedpremisesandisconnectedtoorispartofapotablewatersupplysystemorsanitarysewersystemoperatedbyapublicorprivateutilityserviceproviderpursuanttoauthoritygrantedbythestateorgovernmental subdivision where the described premises are located. But water damage does not include loss or damage otherwise excluded under the terms of the WaterExclusion. Therefore, for example, there is no coverage under this policy in the situation in which discharge orleakageofwaterresultsfromthebreakingapartorcrackingofapipewhichwascausedbyorrelatedtoweather-induced flooding, even if wear and tear contributed to the breakage or cracking.As another example,and also in accordance with the terms of the Water Exclusion,there is no coverage for loss or damagecausedbyorrelatedtoweather-induced flooding which follows or is exacerbated by pipe breakage orcracking attributable to wear and tear. To the extent that accidental discharge or leakage of water falls within the criteria set forth in c.(1)or c.(2)ofthisdefinitionof"specified causes of loss",such water is not subject to the provisions of the Water Exclusionwhich preclude coverage for surface water or water under the surface of the ground. 28."Stock" means merchandise held in storage or for sale,raw materials and in-process or finished goods,includingsupplies used in their packing or shipping. 29."Suspension" means: a.The partial or complete cessation of your business activities; or b.That a part or all of the described premises is rendered untenantable. 30."Theft" means any act of stealing."Theft"does not include the unlawful taking of property resulting from phished,spoofed, fraudulent or fake wire transfer instructions, emails or other electronic communication.. 31."Vacant" means the following SB-146801-J(Ed.10-19) SB-146801-J Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 25 of 26(Ed. 10-19) a.When this policy is issued to a tenant,and with respect to that tenant's interest in Covered Property,buildingmeanstheunitorsuiterentedorleasedtothetenant.Such building is vacant when it does not containenough business personal property to conduct customary operation. b.When this policy is issued to the owner or general lessee of a building,building means the entire building.Such building is vacant unless at least 31% of its total square footage is: (1)Rented to a lessee or sub-lessee and used by the lessee or sub-lessee to conduct its customaryoperations; and/or (2)Used by the building owner to conduct customary operations. 32."Valuable papers and records" means inscribed, printed or written: a.Documents; b.Manuscripts; and c.Records; Including abstracts, books, deeds, drawings, films, maps or mortgages. But "valuable papers and records" does not mean: a."Money" or securities"; b."Electronic data"; c."Electronic media and data"; 33."Virtual currency"means any assets,representations of monetary value or means of payment that exist purelyinelectronicordigitalformthatisaccountedforandtransferredusingcomputersincluding,but not limited to,digital money, digital currency, crypto currency, cybercash or any other type of electronic or digital currency. 34."Water Supply Services" means the following types of property supplying water to the described premises: a.Pumping stations; and b.Water mains. H.MALICIOUS CODE, SYSTEM PENETRATION AND DENIAL OF SERVICE DEFINITIONS: 1."Denial of Service"means any failure or inability of any person,user,customer,"electronic data processingequipment,"computer system or computer network to communicate with,gain access to,or use,any "electronicdata processing equipment," computer system, computer network, "electronic media and data" or "electronic data"because an excessive volume of data,requests or communications is sent to,received by or processed by such"electronic data processing equipment,"computer system or computer network,and depletes the bandwidth,capacity or computational resources thereof,including without limitation,any business interruption caused by theforegoing. 2."Electronic Data Peril" means: a.Corruption,unauthorized use,distortion,deletion,damage,destruction or any other harm to,ormisappropriation or copying of, "electronic data" or information; b.Interruption, delay, disruption, suspension, loss of functionality of, inaccessibility to, unauthorized access to orinabilitytouseorcommunicatewith,"electronic data processing equipment,""electronic media and data,""electronic data,"computer resources,electronic devices,computer system,computer network or equipment;or c.Misappropriation,transfer or copying of any property,"money,""securities"or "stock,"including withoutlimitation, the use of any computer to cause such misappropriation, transfer or copying. 3."Malicious Code"means any data,computer program,software,firmware or computer code designed to causeor result in, or that does cause or result in (whether designed to do so or not),any "electronic data peril,"includingwithout limitation, computer viruses, worms or Trojan horses.. 4."Mass Attack Malware" means any "malicious code": a.Capable of replicating or mutating; ªH " ( ¢ # u h 2 { 4 ¥ 5 x « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 0 5 SB-146801-J(Ed.10-19) SB-146801-J Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 26 of 26(Ed. 10-19) b.Propagating,spreading or moving to other "electronic data processing equipment,""electronic media anddata,""electronic data,"electronic devices,media,computer systems,equipment or computer networks,including without limitation, by attaching to applications, e-mails, e-mail attachments or otherwise; c.Designed to exploit a vulnerability that is common to or present on more than one "electronic data processingequipment,""electronic media and data,""electronic data,"electronic devices,media,computer systems,equipment or computer networks; or d.That infects,is stored upon,exists within or resides on more than one "electronic data processingequipment,""electronic media and data,""electronic data,"electronic device,media,computer system,equipment or computer network. 5."Mass System Penetration" means any "system penetration" that: a.Exploits,or is designed to exploit,a vulnerability that is common to or present on more than one "electronicdataprocessingequipment,""electronic media and data,""electronic data,"electronic devices,media,computer systems, equipment or computer networks; or b.Targets or exploits more than one "electronic data processing equipment,""electronic media and data,""electronic data," electronic device, media, computer system, equipment or computer network. 6."System Penetration"means any access to or use of any "electronic data processing equipment,""electronicmediaanddata,""electronic data,"electronic device,computer system,equipment or computer network intendedtocauseorresultin,or that does cause or result in,any "electronic data peril,"which is not directly or indirectlyenabledby"malicious code"and which is achieved by a person without the use or assistance,directly orindirectly, of "malicious code." 7."Targeted Hacker Attack"means the corruption,distortion,damaging,deletion or destruction of your "electronicdata" resulting from "targeted system penetration" or "targeted malware." 8."Targeted Malware" means any "malicious code" that: a.Is intended by a hacker to specifically infect,or be stored or reside on,only your "electronic data processingequipment"; b.Is incapable of replicating,mutating,propagating,spreading or moving to other "electronic data processingequipment,""electronic media and data,""electronic data,"electronic devices,media,computer systems orcomputer networks; c.Does not infect or reside on any other "electronic data processing equipment,""electronic media and data,""electronic data," computer system, electronic device, or computer network that is not yours; and d.Exploits a vulnerability that is unique to,and present on,only your "electronic data processing equipment,"and such vulnerability is not common to or present on any other "electronic data processing equipment,"computer, electronic device, medium, computer system, equipment or computer network. 9."Targeted System Penetration"means "system penetration"that is designed to target and exploit,and that doestargetandexploit,a vulnerability that is unique to,and present on,only your "electronic data processingequipment,"and such vulnerability is not common to or present on any other "electronic data processingequipment," computer, electronic device, medium, computer system, equipment or computer network. SB146802F(Ed. 10-19) SB146802F (Ed. 10-19)Page 1 of 3 Copyright, CNA All Rights Reserved. BUSINESS INCOME AND EXTRA EXPENSE This endorsement modifies insurance provided under the following: BUSINESSOWNERS SPECIAL PROPERTY COVERAGE FORM The following coverage is added to your Businessowners Special Property Coverage Form under Paragraph A. Coverage. Business Income and Extra Expense Business Income and Extra Expense is provided at the premises described in the Declarations when the Declarationsshow that you have coverage for Business Income and Extra Expense. 1.Business Income a.Business Income means: (1)Net Income (Net Profit or Loss before Income taxes) that would have been earned or incurred, including: (a)"Rental Value"; and (b)"Maintenance Fees," if you are a condominium association; plus (2)Continuing normal operating expenses incurred,including payroll,subject to 90 day limitation if indicated onthe Declaration page. b.We will pay for the actual loss of Business Income you sustain due to the necessary "suspension"of your"operations"during the "period of restoration."The "suspension"must be caused by direct physical loss of ordamagetopropertyatthedescribedpremises.The loss or damage must be caused by or result from a CoveredCauseofLoss.With respect to loss of or damage to personal property in the open or personal property in avehicle,the described premises include the area within 1,000 feet of the site at which the described premises arelocated. c.Your loss of Business Income is covered up to 30 consecutive days when caused as a direct result of damage,bya Covered Cause of Loss, to property adjacent to your premises. d.With respect to the requirements set forth in Paragraph b.above,if you rent,lease or occupy only part of the siteat which the described premises are located, the described premises means: (1)The portion of the building which you rent, lease or occupy; and (2)Any area within the building or on the site at which the described premises are located,if that area services,or is used to gain access to, the described premises. e.Property in Transit (1)We will pay for the actual loss of Business Income you sustain and necessary Extra Expense you incur duringthe "period of restoration" due to direct physical loss of or damage to: (a)Your business personal property; or (b)Personal property of others in your care, custody or control; while such property in the due course of transit. If caused by such loss or damage to property in the due course of transit,we will also pay for the actual lossofBusinessIncomeyousustainduringtheadditionalperiodofcoverageprovidedundertheExtendedBusiness Income Additional Coverage. (2)Insurance under this Additional Coverage applies only if the loss or damage to the property in transit iscausedbyaCoveredCauseofLoss.Insurance under this Additional Coverage does not apply to any loss ofBusiness Income or Extra Expense due to loss of or damage to: (a)Vehicles or self-propelled machines (including motor vehicles,trailers,aircraft,watercraft and similarconveyances)unless such vehicles are themselves in the due course of transit in or on anothertransporting conveyance; JKLMN ªH " ( ¢ # u h 2 { 4 ¥ 6 ¦ « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 0 6 SB146802F(Ed. 10-19) SB146802F (Ed. 10-19)Page 2 of 3 Copyright, CNA All Rights Reserved. (b)Property while waterborne,except in regular ferry operations in the course being moved by other meansof transportation; (c)Property shipped by mail; (d)Contraband, or property in the course of illegal transportation or trade; (e)Import shipments that have not been unloaded from any importing aircraft or watercraft,or that are underthe protection of marine insurance; (f)Export shipments once loaded on board exporting aircraft or watercraft,or under the protection of marineinsurance; or (g)Properly sold by you under conditional sale,trust agreement,installment payment or other deferredpayment plan, after delivery to customers. (3)The most we will pay for loss under this Additional Coverage is $10,000 unless a different Limit of Insuranceis shown in the Declarations for Property in Transit – Business Income and Extra Expense. f.Extended Business Income If the necessary "suspension"of your "operations"produces a Business Income loss payable under Paragraphs1.a. through 1.d. above, we will also pay for the actual loss of Business Income you sustain during the period that: (1)Begins on the date property is actually repaired, rebuilt or replaced and "operations" are resumed; and (2)Ends on the earlier of: (a)The date you could restore your "operations"with reasonable speed,to the level which would generatethe Business Income amount that would have existed if no direct physical loss or damage occurred; or (b)Sixty consecutive days after the date determined in paragraph f.(1) above. However,this extended Business Income does not apply to loss of Business Income incurred as a result ofunfavorablebusinessconditionscausedbytheimpactoftheCoveredCauseoflossintheareawherethedescribed premises are located. 2.Extra Expense a.Extra Expense means reasonable and necessary expenses you incur during the "period of restoration"that youwouldnothaveincurrediftherehadbeennodirectphysicallossofordamagetopropertycausedbyorresultingfrom a Covered Cause of Loss. b.We will pay Extra Expense (other than the expense to repair or replace property) to: (1)Avoid or minimize the "suspension"of business and to continue "operations"at the described premises or atreplacementpremisesortemporarylocations,including relocation expenses and costs to equip and operatethe replacement premises or temporary locations; or (2)Minimize the "suspension" of business if you cannot continue "operations." c.We will also pay Extra Expense (including Expediting Expenses)to repair or replace the property,but only to theextentitreducestheamountoflossthatotherwisewouldhavebeenpayableunderParagraph1.BusinessIncome above. 3.If the Declarations show for Business Income and Extra Expense: a.Actual loss sustained for 12 consecutive months, then we will pay for loss of Business Income and Extra Expensethatoccurswithin12consecutivemonthsfollowingthedateofdirectphysicallossordamage;or actual losssustained for the number of months shown on the Declaration page; or b.Subject to a.above,if a maximum dollar limit is shown on the Declarations page,then we will pay actual losssustained,plus loss payable under Extended Business Income,up to a maximum dollar limit,for the loss ofBusiness Income and Extra Expense. 4."Electronic Data Processing Equipment" and "Electronic Media and Data" a."Electronic data processing equipment"and "electronic media and data"shall be considered covered property asreferenced in this Coverage Part. SB146802F(Ed. 10-19) SB146802F (Ed. 10-19)Page 3 of 3 Copyright, CNA All Rights Reserved. b.We shall not be liable for any payment for the Extra Expense you incur,and loss of Business Income you sustain,during the first 12 hours following the start of a necessary "suspension"of your "operations"during the "period ofrestoration"that is caused by direct physical loss of or damage to "electronic data processing equipment"or"electronic data and media"at the described premises;or at the premises of a 3rd party vendor who is managingorcontrollingyour"electronic data processing equipment"on your behalf,provided,however,if the BusinessIncome And Extra Expense – 72 Hour Deductible endorsement is part of this policy,the 72 hour deductible statedinthatendorsementshallapplywithrespecttothissub-paragraph 5.b.instead of the 12 hour deductible set forthabove. All other terms and conditions of the Policy remain unchanged. ªH " ( ¢ # u h 2 { 4 ¥ 7 + « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 0 7 SB-146803-A(Ed. 01/06) SB-146803-A Page 1 of 1(Ed. 01/06) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SEASONAL INCREASE This endorsement modifies insurance provided under the following: BUSINESSOWNERS SPECIAL PROPERTY COVERAGE FORM The following coverage is added to your BusinessownersSpecial Property Coverage Form: Subject to the Exclusions,Conditions and Limitationsofthispolicy,you may extend this insurance asindicated below. Unless otherwise stated,payments made under thefollowingcoveragewillnotincreasetheapplicableLimits of Insurance. 1.The Limit of Insurance for Business PersonalPropertyshownintheDeclarationswillautomaticallyincreaseby25%,or the amount shown in the Declarations to provide for seasonalvariations. 2.This increase will apply only if the Limit ofInsuranceshownforBusinessPersonalPropertyintheDeclarationsisatleast100%of youraverage monthly values during the lesser of: a.The 12 months immediately preceding thedate of the loss or damage occurs; or b.The period of time you have been in businessatthelocationwherethelossordamageoccurs,on the date the loss or damageoccurs. HIJKLMN SB-146804-A(Ed. 01/06) SB-146804-A Page 1 of 1(Ed. 01/06) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ARSON & THEFT REWARD This endorsement modifies insurance provided under the following: BUSINESSOWNERS SPECIAL PROPERTY COVERAGE FORM The following coverage is added to your BusinessownersSpecialPropertyCoverageFormunderSectionA.5.Additional Coverages. Unless otherwise stated,payments made under thefollowingAdditionalCoverageisinadditiontotheapplicable Limits of Insurance. Arson and Theft Reward 1.We will pay for reasonable expenses you incur forrewards that lead to: a.An arson conviction in connection with acovered fire or explosion loss; or b.A "theft"conviction in connection with acovered "theft" loss. 2.The most we will pay under this AdditionalCoverageinconnectionwithaparticularlossis$5,000. HIJKLMN ªH " ( ¢ # u h 2 { 4 ¥ 8 8 « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 0 8 SB146805B(Ed. 6-16) SB146805B (Ed. 6-16)Page 1 of 1 Copyright, CNA All Rights Reserved. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CLAIM DATA EXPENSE This endorsement modifies insurance provided under the following: BUSINESSOWNERS SPECIAL PROPERTY COVERAGE FORM The following coverage is added to your Businessowners Special Property Coverage under Section A.5.AdditionalCoverages: Unless otherwise stated,payments made under the following Additional Coverage is in addition to the applicable Limit ofInsurance. Claim Data Expense 1.We will pay the reasonable and necessary expenses you incur in preparing claim data when we require such dataorwerequestyouprepareincomestatementstoshowtheextentofcoveredlossordamage.This includes thecost of taking inventories, making appraisals, preparing income statements, and preparing other documentation. 2.Under this Additional Coverage, we will not pay for: a.Any fees, costs or expenses incurred, directed or billed by or payable to: (1)attorneys, public adjusters, loss adjusters, loss consultants or their associates or subsidiaries; or (2)insurance brokers or agents,or their associates or subsidiaries,including related forensic accountingservices, without our written consent prior to such expenses being incurred. b.Any costs incurred in connection with Paragraph E.2. Appraisal. 3.The most we will pay for preparation of claim data under this Additional Coverage in any one occurrence is $5,000regardless of the number of premises involved. All other terms and conditions of the Policy remain unchanged. HIJKLMN SB-146806-B(Ed. 01/08) SB-146806-B Page 1 of 1(Ed. 01/08) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DEBRIS REMOVAL This endorsement modifies insurance provided under the following: BUSINESSOWNERS SPECIAL PROPERTY COVERAGE FORM The following coverage is added to your BusinessownersSpecialPropertyCoverageFormunderParagraphA.5.Additional Coverages. Unless otherwise stated,payments made under thefollowingAdditionalCoverageisinadditiontotheapplicable Limit of Insurance. Debris Removal 1.We will pay your expense to remove debris ofCoveredProperty,other than outdoor trees,shrubs,plants and lawns as described in theOutdoorTrees,Shrubs,Plants and LawnsCoverageExtension,caused by or resulting fromaCoveredCauseofLossthatoccursduringthepolicyperiod.The expenses will be paid only ifthey are reported to us within 180 days of the dateof direct physical loss or damage 2.Debris Removal does not apply to costs to: a.Extract "pollutants" from land or water; or b.Remove,restore or replace polluted land orwater. 3.Except as provided in Paragraph 4.below,payment for Debris Removal is included within theapplicableLimitofInsuranceshownintheDeclarations.The most we will pay under thisAdditional Coverage is 25% of: a.The amount we pay for the direct physicalloss or damage to Covered Property; plus b.The deductible in this Coverage Formapplicable to that loss or damage. 4.When the debris removal expense exceeds the25%limitation in Paragraph 3.above or when thesumofthedebrisremovalexpenseandtheamountwepayforthedirectphysicallossofordamagetoCoveredPropertyexceedstheapplicableLimitofInsurance,we will pay up to anadditional$25,000,or the limit shown in theDeclarations,for debris removal expense in anyone occurrence, at each described premises. HIJKLMN ªH " ( ¢ # u h 2 { 4 ¥ 9 E « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 0 9 SB146807F(Ed. 10-19) SB146807F (Ed. 10-19)Page 1 of 2 Copyright, CNA All Rights Reserved. EMPLOYEE DISHONESTY This endorsement modifies insurance provided under the following: BUSINESSOWNERS SPECIAL PROPERTY COVERAGE FORM The following coverage is added to your Businessowners Special Property Coverage Form under Paragraph A.5.Additional Coverages: Unless otherwise stated,payments under the following Additional Coverage are in addition to the applicable Limit ofInsurance. Employee Dishonesty (1)We will pay for loss of or damage to Covered Property resulting directly from dishonest acts committed by any of your"employees" acting alone or in collusion with other persons (except you or your partner) with the manifest intent to: (a)Cause you to sustain loss or damage; and also (b)Obtain financial benefit (other than salaries,commissions,fees,bonuses,promotions,awards,profit sharing,pensions or other employee benefits earned in the normal course of employment) for: (i)Any employee; or (ii)Any other person or organization. We will pay for loss or damage you sustain to Covered Property through acts committed or events occurring during thePolicyPeriod.Regardless of the number of years this insurance remains in force or the number of premiums paid,noLimit of Insurance cumulates from year to year or period to period. (2)Paragraphs A.2.m.,A.2.n.,A.2.p.,B.1.k.,B.2.h.,B.2.i.,B.2.n.and B.2.o.do not apply,but only to the extent of thecoverage provided under this Employee Dishonesty Additional Coverage. (3)We will not pay for loss resulting from the dishonest acts of any "employee"if coverage for that "employee"was eithercancelled or excluded from any previous insurance of yours providing "employee dishonesty" coverage. (4)This Additional Coverage is cancelled as to any "employee immediately upon discovery by: (a)You; or (b)Any of your partners, "members," "managers," officers, directors or trustees not in collusion with the "employee," of any fraudulent dishonest act committed by that "employee" before or after being employed by you. (5)We will pay for covered loss or damage only if discovered no later than one year from the end of the Policy Period. (6)The most we will pay for loss under this Additional Coverage in any one "occurrence"is the limit shown on theDeclarations regardless of the number of premises involved. (7)With respect to this Additional Coverage, the definition of "occurrence" is deleted and replaced by the following: "Occurrence" means: a.Any single act; b.The combined total of all separate acts whether or not related; or c.A series of acts whether or not related, committed by an "employee",acting alone or in collusion with other persons,or any group of "employees"acting together,even if in collusion with other persons, during the policy period, subject to Paragraphs (8) and (9) below. (8)If,during the period of any prior Employee Dishonesty or Employee Theft insurance,you (or any predecessor ininterest)sustained loss or damage that you could have recovered under that insurance,except that the time withinwhichtodiscoverlossordamagehasexpired,we will pay for it under this Additional Coverage,subject to thefollowing: (a)This insurance became effective at the time of cancellation or termination of the prior insurance; and HIJKLMN SB146807F(Ed. 10-19) SB146807F (Ed. 10-19)Page 2 of 2 Copyright, CNA All Rights Reserved. (b)The loss or damage would have been covered by this insurance had it been in effect when the acts or eventscausing the loss or damage were committed or occurred. (9)The insurance provide under paragraph (8)above is part of,not in addition to the Limit of Insurance described inParagraph (6) above and is limited to the lesser of the amount recoverable under: (a)This Additional Coverage, as of its effective date; or (b)The prior Employee Dishonesty or Employee Theft insurance, had it remained in effect. (10)We will not pay for loss or damage under this endorsement until the amount of loss or damage in any one occurrenceexceeds $250. We will then pay the amount of loss or damage in excess of the $250 up to the Limit of Insurance. (11)Under PROPERTY DEFINITIONS,and only for the purpose of the coverage provided by this Employee DishonestyAdditional Coverage, the definition of "employee" is deleted and replaced by the following: "Employee(s)" means: a.Any natural person: (1)While in your service (and for 30 days after termination of service); and (2)Whom you compensate directly by salary, wages or commissions; and (3)Whom you have the right to direct and control while performing services for you. b.Any natural person employed by an employment contractor while that person is subject to your direction andcontrolandperformingservicesforyouexcluding,however,any such person while having custody of propertyoutside the premises. c.Any natural person,whether or not compensated,while performing services for you as a member or chairpersonof any committee. d.Your natural person director or trustee while acting as a member of any of your elected or appointed committeesto perform on your behalf specific, as distinguished from general, directorial acts. But "employee" does not mean any agent,broker,factor,commission merchant,consignee,independent contractor orrepresentative of the same general character. All other terms and conditions of the Policy remain unchanged. ªH " ( ¢ # u h 2 { 5 ¥ 0 B « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 1 0 SB-146808-A(Ed. 01/06) SB-146808-A Page 1 of 1(Ed. 01/06) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXPEDITING EXPENSES This endorsement modifies insurance provided under the following: BUSINESSOWNERS SPECIAL PROPERTY COVERAGE FORM The following coverage is added to your BusinessownersSpecialPropertyCoverageFormunderParagraphA.5.Additional Coverages. Unless otherwise stated,payments made under thefollowingAdditionalCoverageisinadditiontotheapplicable Limits of Insurance. Expediting Expenses 1.In the event of direct physical loss of or damage toCoveredPropertycausedbyorresultingfromaCoveredCauseofLoss,we will pay for thereasonableandnecessaryadditionalexpensesyouincurtomaketemporaryrepairs,expeditepermanentrepairs,or expedite permanent replacement,at the premises sustaining loss ordamage.Expediting expenses include overtimewages and the extra cost of express or other rapidmeansoftransportation.Expediting expenses donotincludeexpensesyouincurforthetemporaryrentalofpropertyortemporaryreplacementofdamaged property. 2.With respect to this Additional Coverages,"breakdown"to "covered equipment"will not beconsideredaCoveredCauseofLoss,even ifotherwise covered elsewhere in this Policy. 3.The most we will pay under this AdditionalCoverageinanyoneoccurrenceis$25,000,regardless of the number of premises involved. HIJKLMN SB-146809-C(Ed. 07/09) SB-146809-C Page 1 of 1(Ed. 07/09) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FINE ARTS This endorsement modifies insurance provided under the following: BUSINESS OWNERS SPECIAL PROPERTY COVERAGE FORM The following coverage is added to your BusinessownersSpecialPropertyCoverageFormunderParagraphA.5.Additional Coverages. Unless otherwise stated,payments made under thefollowingAdditionalCoverageisinadditiontotheapplicable Limits of Insurance. Fine Arts 1.When a Limit of Insurance is shown in theDeclarationsforBuildingorBusinessPersonalPropertyatanydescribedpremises,we will payfordirectphysicallossofordamageto"fine arts"which are owned by: a.You; or b.Others and in your care, custody or control; caused by or resulting from a Covered Cause ofLoss,including while on exhibit,or in transit,anywhere within the Coverage Territory. 2.The breakage limitation under Paragraph A.4.b.(2)does not apply to this Additional Coverage. 3.The following exclusions apply to this AdditionalCoverage: a.We will not pay for loss or damage caused byorresultingfromwearandtear,any quality inthepropertythatcausesittodamageordestroyitself,gradual deterioration,insects,birds, rodents or other animals; b.We will not pay for loss or damage caused byorresultingfromdampnessordrynessofatmosphere,or changes in extremes oftemperature; c.We will not pay for loss or damage cause byorresultingfromanyrepairing,restoration orretouching process; d.We will not pay for loss or damage cause byor resulting from faulty packing; e.Paragraph B.1.b. Earth Movement; f.Paragraph B.1.c. Governmental Action; g.Paragraph B.1.d. Nuclear Hazard; h.Paragraph B.1.f. War and Military Action; i.Paragraph B.1.g. (1), (2) and (4) Water; j.Paragraph B.1.h. Neglect; and k.Paragraph B.2.g. Frozen Plumbing No other exclusions in Paragraph B.ExclusionsapplytothisAdditionalCoverage.However,if anyexclusionsareaddedbyendorsementtothispolicy,such exclusions will apply to this AdditionalCoverage. 4.The most we pay for loss or damage under thisAdditionalCoverageinanyoneoccurrenceis$25,000,or the amount shown in the Declarationsfor "fine arts," whichever is greater. 5.This Additional Coverage does not apply toproperty: a.While in the custody of the United StatesPostal Service; b.After delivery to customers. HIJKLMN ªH " ( ¢ # u h 2 { 5 ¥ 1 O « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 1 1 SB-146810-A(Ed. 01/06) SB-146810-A Page 1 of 1(Ed. 01/06) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FIRE DEPARTMENT SERVICE CHARGE This endorsement modifies insurance provided under the following: BUSINESSOWNERS SPECIAL PROPERTY COVERAGE FORM The following coverage is added to your BusinessownersSpecialPropertyCoverageFormunderParagraphA.5.Additional Coverages. Unless otherwise stated,payments made under thisfollowingAdditionalCoverageisinadditiontotheapplicable Limit of Insurance. When the fire department is called to save or protectCoveredPropertyfromaCoveredCauseofloss,wewillpayupto$25,000 for your liability for firedepartment service charges: 1.Assumed by contract or agreement prior to loss;or 2.Required by local ordinance. HIJKLMN SB-146811-A(Ed. 01/06) SB-146811-A Page 1 of 1(Ed. 01/06) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FIRE PROTECTIVE EQUIPMENT DISCHARGE This endorsement modifies insurance provided under the following: BUSINESSOWNERS SPECIAL PROPERTY COVERAGE FORM The following coverage is added to your BusinessownersSpecialPropertyCoverageFormunderParagraphA.5.Additional Coverages. Unless otherwise stated,payments made under thefollowingAdditionalCoverageisinadditiontotheApplicable Limits of Insurance. 1.If fire protective equipment dischargesaccidentallyortocontrolaCoveredCauseofLoss, we will pay your cost to: a.Refill or recharge the system with theextinguishingagentsthatweredischarged;and b.Replace or repair faulty valves or controlswhich caused the discharge. 2.The most we will pay under this AdditionalCoverageinanyoneoccurrenceis$10,000,regardless of the number of premises involved. HIJKLMN ªH " ( ¢ # u h 2 { 5 ¥ 2 \ « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 1 2 SB146812D(Ed. 10-19) SB146812D (Ed. 10-19)Page 1 of 2 Includes copyrighted material of Insurance Services Office, Inc., with its permission. FORGERY AND ALTERATION This endorsement modifies insurance provided under the following: BUSINESSOWNERS SPECIAL PROPERTY COVERAGE FORM The following coverage is added to your Businessowners Special Property Coverage Form under Paragraph A.5.Additional Coverages. Unless otherwise stated,payment made under the following Additional Coverage is in addition to the applicable Limits ofInsurance. Forgery and Alteration (1)We will pay for loss resulting directly from "forgery" or alteration of, any check,draft,promissory note,bill of exchange,or similar written promise of payment in "money"that you or your agent has issued,or that was issued by someonewho impersonates you or your agent (2)If you are sued for refusing to pay the check,draft,promissory note,bill of exchange or similar written promise ofpaymentin"money,"on the basis that it has been forged or altered,and you have our written consent to defendagainst the suit, we will pay any reasonable legal expenses that you incur in that defense. (3)For the purposes of this coverage,check includes a substitute check as defined in the Check Clearing for the 21stCentury Act, and will be treated the same as the original if replaced. (4)We will consider signatures that are produced or reproduced electronically,mechanically or by facsimile the same ashandwritten signatures. (5)We will pay for loss that you sustain through acts committed or events occurring during the Policy Period.Regardlessofthenumberofyearsthisinsuranceremainsinforceorthenumberofpremiumspaid,no Limit of Insurancecumulates from year to year or period to period. (6)We will pay for covered loss discovered no later than one year from the end of the Policy Period. (7)The most we will pay for loss under this Additional Coverage in any one "occurrence"is the limit shown on theDeclarations regardless of the number of premises involved. (8)Solely with respect to this Additional Coverage, the definition of "occurrence" is deleted and replaced by the following: "Occurrence" means: a.any single act; b.the combined total of all separate acts whether or not related; or c.a series of acts whether or not related, committed by any one person acting alone or in collusion with others,or in which such a person is implicated,involvingone or more instruments, during the policy period, before this policy period, or both, subject to Paragraphs (5) and (9) (9)If, during the period of any prior Forgery or Alteration insurance,you (or any predecessor in interest)sustained loss ordamagethatyoucouldhaverecoveredunderthatinsurance,except that the time within which to discover loss ordamage has expired, we will pay for it under this Additional Coverage provided: (a)This insurance became effective at the time of cancellation or termination of the prior insurance; and (b)The loss would have been covered by this insurance had it been in effect when the acts or events causing theloss were committed or occurred. (10)The insurance provided under Paragraph (9).above is part of,and not in addition to the limit described in Paragraph(7) above and is limited to the lesser of the amount recoverable under: (a)This Additional Coverage up to the applicable Limit of Insurance under this Policy, as of its effective date; or (b)The prior Forgery or Alteration insurance, had it remained in effect. HIJKLMN SB146812D(Ed. 10-19) SB146812D (Ed. 10-19)Page 2 of 2 Includes copyrighted material of Insurance Services Office, Inc., with its permission. (11)The following definition is added: "Forgery" means the signing of the name of another person or organization with intent to deceive;it does not mean asignature which consists in whole or in part of one's own name signed with or without authority, in any capacity for anypurpose. (12)Paragraphs B.2.i.,and B.2.n.do not apply to this Additional Coverage but only to the extent of the coverage providedunder this Forgery and Alteration Additional Coverage. All other terms and conditions of the Policy remain unchanged. ªH " ( ¢ # u h 2 { 5 ¥ 3 i « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 1 3 SB-146813-B(Ed. 01/08) SB-146813-B Page 1 of 1(Ed. 01/08) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEWLY ACQUIRED OR CONSTRUCTED PROPERTY This endorsement modifies insurance provided under the following: BUSINESSOWNERS SPECIAL PROPERTY COVERAGE FORM The following coverage is added to your BusinessownersSpecialPropertyCoverageFormunderParagraphA.5.Additional Coverages. Unless otherwise stated,payments made under thefollowingAdditionalCoverageisinadditiontotheapplicable Limits of Insurance. Newly Acquired or Constructed Property 1.Buildings a.We will pay for direct physical loss of or damagetothefollowingpropertycausedbyorresultingfrom a Covered Cause of Loss: (1)Your: (a)New buildings while being built on apremises shown in the Declarations; (b)New buildings while being built on newlyacquired premises; and (i)intended for similar use as a buildingdescribed in the Declarations; or (ii)used as a warehouse (c)Materials,equipment,supplies andtemporarystructuresusedinconnectionwithsuchbuildingswhiletheyarebeingbuilt; or (2)Buildings you acquire by purchase or lease atanypremises,including those premisesshown in the Declarations. b.The most we will pay for loss of or damage tonewlyconstructedbuildingsornewlyacquiredbuildingsunderthisAdditionalCoverageinanyone occurrence is $1,000,000 at each premises. 2.Business Personal Property a.When a Limit of Insurance is shown in theDeclarationsforBusinessPersonalPropertyatanydescribedpremises,we will pay for directphysicallossofordamagetothefollowingpropertycausedbyorresultingfromaCoveredCause of Loss: (1)Business Personal Property,including suchpropertythatyounewlyacquire,at a buildingyouacquirebypurchaseorleaseatanypremises,including those premises shown inthe Declarations; and (2)Business Personal Property that you newlyacquire at a described premises. b.The most we will pay for loss of or damage toBusinessPersonalPropertyunderthisAdditionalCoverageinanyonceoccurrenceis$250,000 ateach premises. 3.Period of Coverage a.With respect to insurance under this AdditionalCoverage,coverage will end when any of thefollowing first occurs: (1)This policy expires; (2)180 days expire after you acquire the propertyor begin to construct the property; (3)You report values to us; or (4)The property is more specifically insured. b.We will charge you additional premium for valuesreported to us from the date construction begins oryou acquire the property. HIJKLMN SB-146814-B(Ed. 03/06) SB-146814-B Page 1 of 2(Ed. 03/06)(Version 1.0) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ORDINANCE OR LAW This endorsement modifies insurance provided under the following: BUSINESSOWNERS SPECIAL PROPERTY COVERAGE FORM The following coverage is added to your BusinessownersSpecialPropertyCoverageFormunderSectionA.5.Additional Coverages. Unless otherwise stated,payments made under thefollowingAdditionalCoverageisinadditiontotheapplicable Limits of Insurance. 1.In the event of damage by a Covered Cause ofLoss to a building that is Covered Property, we willpay for: a.Loss in value of the undamaged portion of thebuildingasaconsequenceofenforcementoftheminimumrequirementsofanyordinanceorlawthatrequiresthedemolitionofundamaged parts of the same building; b.Demolition cost, meaning the cost to demolishandclearthesiteofundamagedpartsofthesamebuildingasaconsequenceofenforcementoftheminimumrequirementsofanyordinanceorlawthatrequireddemolitionof such undamaged property; and c.The increased cost of construction,meaningtheincreasedcosttorepair,rebuild orreconstructthepropertyasaconsequenceofenforcementoftheminimumrequirementsofanyordinanceorlaw.This increased cost ofconstruction coverage applies only if: (1)The building is insured for replacementcost; (2)The building is repaired,rebuilt orreconstructed; and (3)The repaired,rebuilt or reconstructedbuildingisintendedforsimilaroccupancyasthecurrentbuilding,unless otherwiserequiredbyzoningorlanduseordinanceor law. 2.The ordinance or law referred to in this AdditionalCoverage is an ordinance or law that: a.Regulates the demolition,construction orrepairofbuildings,or establishes zoning orlanduserequirementsatthedescribedpremises; and b.Is in force at the time of the loss. 3.We will not pay under this Additional Coverage for: a.Loss due to any ordinance or law that: (1)You were required to comply with beforetheloss,even if the building wasundamaged; and (2)You failed to comply with; or b.Costs associated with the enforcement of anyordinanceorlawthatrequiresanyinsuredorothertotestfor,monitor,clean up,remove,contain,treat,detoxify or neutralize,or in anywayrespondto,or assess the effects of"pollutants." 4.Paragraph B.1.a.does not apply to this AdditionalCoverage. 5.Subject to the limit described in Paragraph 6.below: a.The insurance provided under this AdditionalCoverageforlossinvaluetotheundamagedportion of the building is limited as follows: (1)If Replacement Cost Coverage appliesandthebuildingisrepairedorreplacedonthesameoranotherpremises,we willnot pay more than the lesser of: (a)The amount you actually spend torepair,rebuild or reconstruct theundamaged portion of the building; or (b)The amount it would cost to restoretheundamagedportionofthebuilding on the same premises and tothesameheight,floor area,style andcomparablequalityoftheoriginalundamaged portion of the building; or (2)If Replacement Cost Coverage appliesandthebuildingisnotrepairedorreplaced,or if Replacement CostCoveragedoesnotapply,we will not paymorethantheactualcashvalueoftheundamagedportionofthebuildingatthetime of loss. b.We will not pay more for demolition costs thantheamountyouactuallyspendtodemolishand clear the site of the described premises. c.The insurance provided under this AdditionalCoverageforincreasedcostofconstructionislimited as follows: (1)If the building is repaired or replaced atthesamepremises,or if you elect to HIJKLMN ªH " ( ¢ # u h 2 { 5 ¥ 4 v « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 1 4 SB-146814-B(Ed. 03/06) SB-146814-B Page 2 of 2(Ed. 03/06)(Version 1.0) rebuild at another premises,the most wewillpayistheincreasedcostofconstruction at the same premises; or (2)If the ordinance or law requires relocationtoanotherpremises,the most we will payistheincreasedcostofconstructionatthe new premises. 6.The most we will pay for loss under this AdditionalCoverageforthetotalofallcoveragesdescribedin: a.Paragraph 1.a.above in any one occurrenceistheBuildingLimitateachdescribedpremisesshownintheDeclarations,if thiscoveragehasbeenselectedandisindicatedon the Declarations. b.Paragraph 1.b.and 1.c.above in any oneoccurrenceis$25,000 or the limit shown intheDeclarations,whichever is greater at eachdescribed premises. SB-146815-A(Ed. 01/06) SB-146815-A Page 1 of 1(Ed. 01/06) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. OUTDOOR TREES, SHRUBS, PLANTS AND LAWNS This endorsement modifies insurance provided under the following: BUSINESSOWNERS SPECIAL PROPERTY COVERAGE FORM The following coverage is added to your BusinessownersSpecialPropertyCoverageFormunderSectionA.5.Additional Coverages. Unless otherwise stated,payments made under thefollowingAdditionalCoverageisinadditiontotheapplicable Limits of Insurance. Outdoor Trees, Shrubs, Plants and Lawns 1.We will pay for direct physical loss of or damagetooutdoortrees,shrubs,plants (other than "stock" of trees, shrubs or plants) and lawns located at thedescribedpremisescausedbyorresultingfromaCovered Cause of Loss. 2.The most we will pay for loss or damage underthisAdditionalCoverageinanyoneoccurrenceis$3,000 at each described premises. 3.Debris removal,because of covered loss ordamagetooutdoortrees,shrubs,plants andlawns,is included within the limits described inParagraph 2. above. HIJKLMN ªH " ( ¢ # u h 2 { 5 ¥ 5 ¤ « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 1 5 SB-146816-A(Ed. 01/06) SB-146816-A Page 1 of 1(Ed. 01/06) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. POLLUTANT CLEAN UP AND REMOVAL This endorsement modifies insurance provided under the following: BUSINESSOWNERS SPECIAL PROPERTY COVERAGE FORM The following coverage is added to your BusinessownersPropertyCoverageFormunderParagraphA.5.AdditionalCoverages. Unless otherwise stated,payments made under thefollowingAdditionalCoverageisinadditiontotheapplicable Limits of Insurance. Pollutant Clean Up and Removal 1.We will pay your necessary and reasonableexpensetoextract"pollutants"from land or wateratthedescribedpremisesifthedischarge,dispersal,seepage,migration,release or escapeofthe"pollutants"is caused by or results from"specified causes of loss" that occurs: a.On the described premises; b.To Covered Property; and c.During the policy period. 2.The expenses will be paid only if they are reportedtousinwritingwithin180daysofthedateonwhich the "specified cause of loss" occurs. 3.This Additional Coverage does not apply to coststotestfor,monitor or assess the existence,concentration or effects of "pollutants."But we willpayfortestingwhichisperformedinthecourseofextracting the "pollutants" from the land or water. 4.The most we will pay under this AdditionalCoverageis$25,000 for the sum of all coveredexpensesarisingoutofallCoveredCausesofLossoccurringduringeachseparate12monthperiodofthispolicybeginningwiththeeffectivedateofthispolicy.This amount applies regardlessof the number of premises involved. HIJKLMN SB-146817-A(Ed. 01/06) SB-146817-A Page 1 of 1(Ed. 01/06) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PRESERVATION OF PROPERTY This endorsement modifies insurance provided under the following: BUSINESSOWNERS SPECIAL PROPERTY COVERAGE FORM The following coverage is added to your BusinessownersSpecialPropertyCoverageFormunderParagraphA.5.Additional Coverages. Unless otherwise stated,payments made under thefollowingAdditionalCoverageisinadditiontotheapplicable Limits of Insurance. Preservation of Property 1.If it is necessary to move Covered Property fromthedescribedpremisestopreserveitfromlossordamagebyaCoveredCauseofLoss,we will payfor: a.Any direct physical loss or damage to thisproperty: (1)While it is being moved; or (2)Temporarily stored at another locationonlyifthelossordamageoccurswithin90daysafterthepropertyisfirstmoved;and b.The costs incurred to: (1)Remove such property from the describedpremises; and (2)Return such property to the describedpremises. 2.Coverage under this Additional Coverage will endwhen any of the following first occurs: a.When the policy is amended to provideinsurance at the new location; b.The property is returned to the originaldescribed premises; c.90 days expire after the property is firstmoved; or d.This policy expires. 3.Payments under this Additional Coverage aresubjecttoandnotinadditiontotheapplicableLimit of Insurance. HIJKLMN ªH " ( ¢ # u h 2 { 5 ¥ 6 ) « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 1 6 SB-146818-A(Ed. 01/06) SB-146818-A Page 1 of 1(Ed. 01/06) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. TEMPORARY RELOCATION OF PROPERTY This endorsement modifies insurance provided under the following: BUSINESSOWNERS SPECIAL PROPERTY COVERAGE FORM The following coverage is added to your BusinessownersSpecialPropertyCoverageFormunderParagraphA.5.Additional Coverages. Unless otherwise stated,payments made under thefollowingAdditionalCoverageisinadditiontotheapplicable Limits of Insurance. Temporary Relocation of Property 1.If Covered Property is removed from the describedpremisesandstoredtemporarilyatalocationyouown,lease or operate while the described premises is being renovated or remodeled,we willpay for loss or damage to that stored property: a.Caused by or resulting from a Covered Causeof Loss; b.Up to $50,000 at each temporary location;and c.During the storage period of up to 90consecutivedaysbutnotbeyondexpirationofthis policy. 2.This Additional Coverage does not apply if thestored property is more specifically insured. HIJKLMN SB-146819-A(Ed. 01/06) SB-146819-A Page 1 of 1(Ed. 01/06) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. WATER DAMAGE, OTHER LIQUIDS, SOLDER OR MOLTEN MATERIAL DAMAGE This endorsement modifies insurance provided under the following: BUSINESSOWNERS SPECIAL PROPERTY COVERAGE FORM The following coverage is added to your BusinessownersSpecialPropertyCoverageFormunderParagraphA.5.Additional Coverages. Unless otherwise stated,payments made under thefollowingAdditionalCoverageisinadditiontotheapplicable Limits of Insurance. Water Damage,Other Liquids,Solder or MoltenMaterial Damage 1.If loss or damage caused by or resulting fromcoveredwaterorotherliquid,solder or moltenmaterialdamagelossoccurs,we will also pay thecosttotearoutandreplaceanypartofthebuildingorstructuretorepairdamagetothe system or appliance from which the water or othersubstance escapes. 2.We will not pay the cost to repair any defect to asystemorappliancefromwhichthewater,otherliquid,solder or molten material escapes.But wewillpaythecosttorepairorreplacedamagedpartsoffireextinguishingequipmentifthedamage: a.Results in discharge of any substance froman automatic fire protection system; or b.Is directly caused by freezing. 3.Payments made under this Additional CoveragearesubjecttoandnotinadditiontotheapplicableLimit of Insurance. HIJKLMN ªH " ( ¢ # u h 2 { 5 ¥ 7 6 « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 1 7 SB-146820-C(Ed. 06/11) SB-146820-C Page 1 of 1(Ed. 06/11) HIJKLMN THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ACCOUNTS RECEIVABLE This endorsement modifies insurance provided under the following: BUSINESSOWNERS SPECIAL PROPERTY COVERAGE FORM The following coverage is added to your BusinessownersSpecialPropertyCoverageFormunderParagraphA.6.Coverage Extensions. Unless otherwise stated,payments made under thefollowingCoverageExtensionissubjecttoandnotinaddition to the applicable Limits of Insurance. Accounts Receivable 1.When a Limit of Insurance is shown in theDeclarationsforBuildingorBusinessPersonalPropertyatthedescribedpremises,you mayextendthatinsurancetoapplytoloss,asdescribedinParagraph2.below,due to directphysicallossofordamagetoyourrecordsofaccountsreceivable(including those on electronicdataprocessingmedia)caused by or resultingfromaCoveredCauseofLoss.Credit cardcompanymediawillbeconsideredaccountsreceivableuntildeliveredtothecreditcardcompany. 2.We will pay for: a.All amounts due from your customers that youwere unable to collect; b.Interest charges on any loan required to offsetamounts you are unable to collect pending ourpayment of these amounts; c.Collection expenses in excess of your normalcollectionexpensesthataremadenecessaryby the loss or damage; and d.Other reasonable expenses that you incur tore-establish your records of accountsreceivable. 3.The following exclusions apply to this CoverageExtension: a.We will not pay for loss caused by or resultingfrombookkeeping,accounting or billing errorsor omissions; b.We will not pay for loss that requires an auditofrecordsoranyinventorycomputationtoprove its factual existence; c.We will not pay for loss caused by or resultingfromalteration,falsification,concealment ordestructionofrecordsofaccountsreceivabledonetoconcealthewrongfulgiving,taking orwithholdingofmoney,securities or otherproperty. But this exclusion applies only to theextentofwrongfulgiving,taking orwithholding; d.Paragraph B.1.b. Earth Movement; e.Paragraph B.1.c. Governmental Action; f.Paragraph B.1.d. Nuclear Hazard; g.Paragraph B.1.f. War and Military Action; h.Paragraph B.1.g. (1), (2), and (4) Water; i.Paragraph B.1.h. Neglect; and j.Paragraph B.2.i. False Pretense; No other exclusions in Paragraph B.ExclusionsapplytothisCoverageExtension.However,if anyexclusionsareaddedbyendorsementtothisPolicy, such exclusions will apply to this CoverageExtension. 4.The most we will pay under this CoverageExtensionforlossofordamagetorecordsofaccountsreceivableinanyoneoccurrencewhilein transit or at a premises other than the describedpremises is $25,000. 5.The most we will pay under this CoverageExtensionforlossofordamagetorecordsofaccountsreceivableinanyoneoccurrenceateachdescribedpremisesis$25,000 or theamountshownintheDeclarationsforAccountsReceivable, whichever is greater. 6.Payments made under this Coverage ExtensionareinadditiontotheapplicableLimitsofInsurance. SB-146821-A(Ed. 01/06) SB-146821-A Page 1 of 1(Ed. 01/06) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. APPURTENANT BUILDINGS AND STRUCTURES This endorsement modifies insurance provided under the following: BUSINESSOWNERS SPECIAL PROPERTY COVERAGE FORM The following coverage is added to your BusinessownersSpecialPropertyCoverageFormunderParagraphA.6.Coverage Extensions. Unless otherwise stated,payments made under thefollowingCoverageExtensionissubjecttoandnotinaddition to the applicable Limits of Insurance. Appurtenant Buildings and Structures 1.When a Limit of Insurance is shown in theDeclarationsforBuildingatthedescribedpremises,you may extend that insurance to apply to directphysicallossofordamagetoincidentalappurtenantbuildingsorstructures,within 1,000 feet of thatdescribedpremises,caused by or resulting from aCovered Cause of Loss. 2.When a Limit of Insurance is shown in theDeclarationsforBusinessPersonalPropertyatthedescribedpremises,you may extend that insurance toapplytodirectphysicallossofordamagetoBusinessPersonalPropertywithinincidentalappurtenantbuildingsorstructureswithin1,000 feet of that described premises,caused by or resulting from aCovered Cause of Loss. 3.Incidental appurtenant buildings or structures include: a.Storage buildings; b.Carports; c.Garages; d.Pump houses; or e.Above ground tanks; Which have not been specifically described in theDeclarations. 4.The most we will pay for loss or damage under thisCoverageExtensioninanyoneoccurrenceforanycombinationoflossofordamagetoBuildingandBusinessPersonalPropertyis$50,000,regardless ofthe number of described premises involved. 5.Payments made under this Coverage Extension are inaddition to the applicable Limits of Insurance. HIJKLMN ªH " ( ¢ # u h 2 { 5 ¥ 8 C « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 1 8 SB-146822-A(Ed. 01/06) SB-146822-A Page 1 of 1(Ed. 01/06) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BUILDING GLASS This endorsement modifies insurance provided under the following: BUSINESSOWNERS SPECIAL PROPERTY COVERAGE FORM The following coverage is added to your BusinessownersSpecialPropertyCoverageFormunderParagraphA.6.Coverage Extensions. Unless otherwise stated,payments made under thefollowingCoverageExtensionissubjecttoandnotinaddition to the applicable Limits of Insurance. Building Glass 1.If: a.You are the building owner; and b.A Limit of Insurance is shown in theDeclarationsforBuildingatthedescribedpremises; you may extend that insurance to apply to directphysicallossofordamagetoallexteriorandinteriorbuildingglasscausedbyorresultingfromaCoveredCauseofLoss,including glassbreakageanddamagetoglassbychemicalsaccidentallyormaliciouslyappliedtoglass.If aspecificdeductiblehasbeenselectedforbuildingglassasshownontheDeclarationswewillapplythatdeductibletoanycoveredloss.If nodeductibleisselectedforbuildingglass,the policydeductiblewillbeappliedtocoveredbuildingglass losses. 2.If: a.You are a tenant; b.A Limit of Insurance shown in theDeclarationsforBuildingorBusinessPersonalPropertyatthedescribedpremises;and c.You are contractually obligated to repair orreplacebuildingglassatthedescribedpremises; you may extend that insurance to apply to directphysicallossofordamagetoallexteriorandinteriorbuildingglasscausedbyorresultingfromaCoveredCauseofLoss,including glass breakage and damage to glass by chemicalsaccidentallyormaliciouslyappliedtoglass.If aspecificdeductiblehasbeenselectedforbuildingglassasshownontheDeclarationswewillapplythatdeductibletoanycoveredloss.If nodeductibleisselectedforbuildingglass,the policydeductiblewillbeappliedtocoveredbuildingglass losses. 3.We will also pay for necessary expenses inconnectionwithlossordamagecoveredinParagraphs 1. or 2. above, incurred by you to: a.Put up temporary plates or board upopenings; b.Repair or replace encasing frames; and c.Remove or replace obstructions. 4.The following exclusions apply to this CoverageExtension: a.We will not pay for loss or damage caused byor resulting from: (1)Wear and tear; (2)Hidden or latent defect; (3)Corrosion; or (4)Rust; b.Paragraph B.1.b. Earth Movement; c.Paragraph B.1.c. Governmental Action; d.Paragraph B.1.d. Nuclear Hazard; e.Paragraph B.1.f. War and Military Action; and f.Paragraph B.1.g. Water. No other exclusions in Paragraph B.ExclusionsapplytothisCoverageExtension.However,if anyexclusionsareaddedbyendorsementtothisPolicy, such exclusions will apply to this CoverageExtension. HIJKLMN SB146823C(Ed. 10-19) SB146823C (Ed. 10-19)Page 1 of 2 Includes copyrighted material of Insurance Services Office, Inc., with its permission. BUSINESS INCOME AND EXTRA EXPENSE – DEPENDENT PROPERTY This endorsement modifies insurance provided under the following: BUSINESS INCOME AND EXTRA EXPENSE COVERAGE FORM BUSINESSOWNERS SPECIAL PROPERTY COVERAGE FORM The following coverage is added to your Businessowners Special Property Coverage Form under Paragraph A.6.Coverage Extensions. Unless otherwise stated,payments made under the following Coverage Extension is subject to and not in addition to theapplicable Limits of Insurance. Business Income and Extra Expense – Dependent Property (1)When the Declarations show that you have coverage for Business Income and Extra Expense,you may extend thatinsurancetoapplytotheactuallossofBusinessIncomeyousustainandreasonableandnecessaryExtraExpenseyouincurduetothe"suspension"of your "operations"during the "period of restoration."The "suspension"must becausedbydirectphysicallossordamageatthepremisesofa"Dependent Property",caused by or resulting from aCovered Cause of Loss. (2)With respect to this Coverage Extension, the "period of restoration": (a)Begins 24 hours after the time of direct physical loss or damage caused by or resulting from any Covered Causeof Loss at the "Dependent Property"; (b)Ends on the date when the "Dependent Property"should be repaired,rebuilt or replaced with reasonable speedand similar quality; and (c)Does not include any increased period required due to the enforcement of any ordinance or law that: (i)Regulates the construction, use or repair, or requires the tearing down of any property; or (ii)Requires any insured or others to test for,monitor,clean up,remove,contain,treat,detoxify or neutralize,orin any way respond to, or assess the effects of "pollutants." (3)This Coverage Extension: (a)Applies to "Dependent Property" located within the Coverage Territory; and (b)Does not apply when you have more specific insurance under any other policy. (4)We will reduce the amount of your Business Income loss,other than Extra Expense,to the extent you can resume"operations" in whole or in part, by using any other available: (a)Source of materials; or (b)Outlet for your products. (5)The most we will pay for Business Income and Extra Expense under this Coverage Extension is $10,000,or the limitshownintheDeclarations,whichever is higher,regardless of the number of described premises or number of"Dependent Properties" involved. (6)Payments made under this Coverage Extension are in addition to the applicable Limits of Insurance. (7)The following definitions are added to SECTION G. PROPERTY DEFINITIONS: •"Dependent Property" means any premises: a.of a direct:supplier,contract manufacturer or contract service provider to you or to others for your account(Contributing Locations); b.of a business-to-business entity that directly accepts your products or services (Recipient Locations); c.that directly manufactures products for delivery to your customers under contract of sale (ManufacturingLocations); or d.within 2 miles of your premises that attract customers to your business (Leader Locations). HIJKLMN ªH " ( ¢ # u h 2 { 5 ¥ 9 P « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 1 9 SB146823C(Ed. 10-19) SB146823C (Ed. 10-19)Page 2 of 2 Includes copyrighted material of Insurance Services Office, Inc., with its permission. e.of any company under written: royalty, licensing fee or commission agreements with you. The "dependent property"includes the area associated with that address in which the occupant of the abovepremisesislegallyentitledtoconductbusinessactivitiesandincludestheareaextending1,000 feet beyond thataddress. "Dependent property" does not include premises: (1)of "external service providers"; (2)with utility service provider's (such as "power supply providers","water supply providers",or "communicationsupply providers") transmission and distribution property, including ; (3)owned,leased,operated or occupied by you,your "employees","managers","members","messengers",trustees or authorized representatives; (4)occupied by individuals as a residence, home or place of dwelling; or •"External service provider"means a premises that is operated by others on whom you depend,pursuant to awritten service contract, to provide: a.internet services; or b.data management, network management, software management and cloud computing and storage services. "External service provider does not include: (1)"dependent property"; (2)any utility service provider's transmission and distribution property; (3)premises owned,leased,operated or occupied by you,your "employees","managers","members","messengers", trustees or authorized representatives; (4)premises within any country in which the United States government has imposed sanctions, embargoesor similar prohibitions. SB-146825-C(Ed. 06/11) SB-146825-C Page 1 of 1(Ed. 06/11) HIJKLMN THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BUSINESS PERSONAL PROPERTY OFF PREMISES This endorsement modifies insurance provided under the following: BUSINESSOWNERS SPECIAL PROPERTY COVERAGE FORM The following coverage is added to your BusinessownersSpecialPropertyCoverageFormunderParagraphA.6.Coverage Extensions. Unless otherwise stated,payments made under thefollowingCoverageExtensionissubjecttoandnotinaddition to the applicable Limits of Insurance. Business Personal Property Off Premises 1.When a Limit of Insurance is shown in theDeclarations for Business Personal Property at thedescribedpremises,you may extend thatinsurancetoapplytodirectphysicallossofordamagetosuchpropertycausedbyorresultingfrom a Covered Cause of Loss while: a.In the course of transit,more than 1,000 feetfrom the described premises; b.Temporarily away from the describedpremises and: (1)At a premises you do not own,lease oroperate; or (2)At any fair,trade show or exhibition at apremisesyoudonotownorregularlyoccupy. 2.This Coverage Extension does not apply toproperty: a.While in the custody of the United StatesPostal Service; b.Rented or leased to others; c.After delivery to customers; d.Temporarily at a premises for more than 60consecutivedays,except "money"and"securities" at a "banking premises"; e.Otherwise covered under the Fine ArtsAdditional Coverage; or f.Otherwise covered under the followingCoverage Extensions: (1)Accounts Receivable; (2)Electronic Data Processing; (3)Personal Effects; or (4)Valuable Papers and Records. ªH " ( ¢ # u h 2 { 6 ¥ 0 M « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 2 0 SB146826C(Ed. 10-19) SB146826C (Ed. 10-19)Page 1 of 1 Includes copyrighted material of Insurance Services Office, Inc., with its permission. CIVIL AUTHORITY This endorsement modifies insurance provided under the following: BUSINESS INCOME AND EXTRA EXPENSE COVERAGE FORMBUSINESSOWNERS SPECIAL PROPERTY COVERAGE FORM The following coverage is added to your Businessowners Special Property Coverage Form under Paragraph A.6.Coverage Extensions. Unless otherwise stated,payments made under the following Coverage Extension is subject to and not in addition to theapplicable Limits of Insurance. Civil Authority (1)When the Declarations show that you have coverage for Business Income and Extra Expense,you may extend thatinsurancetoapplytotheactuallossofBusinessIncomeyousustainandreasonableandnecessaryExtraExpenseyouincurcausedbyactionofcivilauthoritythatprohibitsaccesstothedescribedpremises.The civil authority actionmustbeduetodirectphysicallossofordamagetopropertylocatedawayfromadescribedpremises.The lost ordamagedpropertymustbewithinfivemilesofthatdescribedpremiseswhichsustainsthebusinessincomeorextraexpense loss and the loss or damage must be caused by or resulting from a Covered Cause of Loss. (2)The coverage for Business Income will begin 24 hours after the time of that action and will apply for a period of up tofour consecutive weeks after coverage begins. (3)The coverage for Extra Expense will begin immediately after the time of that action and will end when your BusinessIncome coverages ends for this Coverage Extension. HIJKLMN SB-146827-F(Ed. 06/11) SB-146827-F Page 1 of 2(Ed. 06/11) HIJKLMN THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ELECTRONIC DATA PROCESSING EQUIPMENT AND ELECTRONICMEDIA AND DATA(EDP COVERAGE FORM) This endorsement modifies insurance provided under the following: BUSINESSOWNERS SPECIAL PROPERTY COVERAGE FORM The following coverage is added to yourBusinessownersSpecialPropertyCoverageFormunder Paragraph A.6. Coverage Extension: Electronic Data Processing 1.When a Limit of Insurance is shown in theDeclarationsforElectronicDataProcessingatthedescribed premises, that insurance applies to: a.Direct physical loss of or damage to your"electronic data processing equipment"caused by or resulting from a Covered Causeof Loss; and b.Direct physical loss of or damage to your"electronic media and data"caused by orresulting from a Covered Cause of Loss. 2.Worldwide coverage is provided under thisCoverageExtension.The coverage territory asdescribedinParagraphF.8.b does not apply tothis Coverage Extension. 3.This Coverage Extension does not apply to: a."Stock"; or b.Property that is leased or rented to others. 4.The following exclusions as described in SectionB.,Exclusions,of the Businessowners SpecialPropertyCoverageFormdonotapplytotheInsuringAgreementsetforthinParagraph1.a.or1.b. of this Coverage Extension: a.Paragraph 1.e.; and b.Paragraph 1.g.(3); and c.Paragraph 2.a. The following exclusion as described in SectionB.,Exclusions,of the Businessowners SpecialPropertyCoverageFormdoesnotapplytotheInsuringAgreementsetforthinParagraph1.a.ofthis Coverage Extension: Paragraph 2.d.(6). 5.The following additional exclusions apply: With respect to this Coverage Extension,we willnotpayforlossordamagecauseddirectlyorindirectlybyanyofthefollowing.Such loss ordamage is excluded regardless of any other causeoreventthatcontributesconcurrentlyorinanysequence to the loss: a.Programming errors or omissions,or incorrectinstructionstoamachine,including withoutlimitation,incorrect instructions to "electronicdataprocessingequipment"from a userincorrectlyoperatingwith,or committing anerrorusinganinputdevice(including,withoutlimitation,a keyboard,mouse or touchpad)and corrupting,distorting,deleting,damagingordestroying"electronic data";provided,however,that this exclusion shall not apply toanotherwisecoveredmechanicalbreakdownof"electronic data processing equipment"under the Insuring Agreement set forth inParagraph 1.a. of this Coverage Extension. b.Unauthorized viewing,copying or use of"Electronic Media and Data"or "ElectronicData"(or any proprietary or confidentialinformationorintellectualproperty)by anyperson,even if such activity is characterizedas "theft." c.Errors or deficiency in design,installation,maintenance,repair or modification of your"electronic data processing equipment,""electronic media and data"or "electronicdata"or any "electronic data processingequipment,"electronic devices,computersystemornetworktowhichyour"electronicdataprocessingequipment""electronic mediaanddata"or "electronic data"is connected ordependent;provided,however,that thisexclusionshallnotapplytoanotherwisecoveredmechanicalbreakdownof"electronicdataprocessingequipment"under theInsuring Agreement set forth in Paragraph 1.a.of this Coverage Extension. ªH " ( ¢ # u h 2 { 6 ¥ 1 Z « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 2 1 SB-146827-F(Ed. 06/11) SB-146827-F Page 2 of 2(Ed. 06/11) HIJKLMN d.Unexplained or indeterminable failure,malfunction or slowdown of a "electronic dataprocessingequipment""electronic media anddata" or "electronic data." 6.The most we will pay under this CoverageExtensionforalldirectphysicallossofordamageto"electronic data processing equipment"and"electronic media and data" (combined)in any oneoccurrencewhileintransitoratapremisesotherthanthedescribedpremisesis$25,000,or thelimit shown in the Declarations. 7.The most we will pay under this CoverageExtensionforlossofordamageto"ElectronicMediaandData"while stored at a separatepremisesfromwhereyouroriginal"ElectronicMediaandData"are kept,in any one occurrence,is $25,000. 8.The most we will pay under this CoverageExtensionforalldirectphysicallossordamageto"electronic data processing equipment"and"electronic media and data"(combined)youacquire after the inception date of the policy in anyone occurrence is $25,000. Provided,however,with respect to insurancecoverageunderthisCoverageExtensiononanysuchnewlyacquired"electronic data processing equipment"or "electronic media and data,"coverage will end on the date and time that any ofthe following first occurs: a.This policy expires; b.180 days after you acquire the "electronicdataprocessingequipment"or "electronicmedia and data"; or c.You report values to us. 9.The most we will pay under this CoverageExtensionforalldirectphysicallossofordamageto"electronic data processing equipment"and"electronic media and data"(combined)at thedescribedpremisesinanyoneoccurrenceistheLimitofInsuranceshownintheDeclarationsor$50,000, whichever is greater. 10.A separate Blanket Limit of Insurance applies to"electronic data processing equipment"and"electronic media and data"at all scheduledpremises,if indicated in the declarations asBlanket Electronic Data Processing 11.Payments made under this Coverage ExtensionareinadditiontotheapplicableLimitsofInsurance. SB146828E(Ed. 04/14) SB146828E (Ed. 04/14)Page 1 of 3 Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with its permission. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EQUIPMENT BREAKDOWN This endorsement modifies insurance provided under the following: BUSINESSOWNERS SPECIAL PROPERTY COVERAGE FORM The following coverage is added to your Businessowners Special Property Coverage Form under Paragraph A.6.Coverage Extensions. Unless otherwise stated,payments made under the following Coverage Extension are subject to and not in addition to theapplicable Limits of Insurance. Equipment Breakdown 1.When a Limit of Insurance is shown in the Declarations for Equipment Breakdown,at the described premises,thelimitappliestodirectphysicallossofordamagetoCoveredPropertyatthedescribedpremisescausedbyorresulting from a "breakdown" to "covered equipment." For the purposes of this coverage form, "covered equipment" includes, but is not limited to, the following: a."Diagnostic Equipment"; b."Power Generating Equipment"; c."Production Equipment." With respect to otherwise covered Business Income and Extra Expense,"breakdown"to "covered equipment"willbe considered a Covered Cause of Loss. If an initial "breakdown" causes other "breakdowns," all will be considered one "breakdown." All "breakdowns"thatmanifestthemselvesatthesametimeandaretheresultofthesamecausewillalsobeconsideredone"breakdown." 2.Under this Coverage Extension, the following coverages also apply: a.Expediting Expenses (1)In the event of direct physical loss of or damage to Covered Property caused by or resulting from a"breakdown"to "covered equipment,"we will pay for the reasonable additional expenses you necessarilyincurtomaketemporaryrepairsto,or expedite the permanent repair or replacement of,the lost ordamaged Covered Property. (2)Expediting expenses include overtime wages and the extra cost of express or other rapid means oftransportation. (3)The most we will pay under this Coverage Extension for all Expediting Expenses arising out of any one"breakdown"is $25,000.This limit is part of and not in addition to the Limit of Insurance that applies tolost or damage Covered Property. b."Pollutants" (1)In the event of direct physical loss of or damage to Covered Property caused by or resulting from a"breakdown"to "covered equipment,"we will pay for the additional cost to repair or replace CoveredPropertybecauseofcontaminationby"pollutants."This includes the additional expenses to clean up ordisposeofsuchproperty.Additional costs mean those beyond what would have been required had no"pollutants" been involved. (2)The most we will pay under this Coverage Extension for loss or damage to Covered Property caused bycontaminationby"pollutants"arising out of any one "breakdown"is $25,000.This limit is subject to andnot in addition to the Limit of Insurance that applies to lost or damaged Covered Property. HIJKLMN ªH " ( ¢ # u h 2 { 6 ¥ 2 g « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 2 2 SB146828E(Ed. 04/14) SB146828E (Ed. 04/14)Page 2 of 3 Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with its permission. c.Service Interruption When the Declarations show that you have coverage for Business Income and Extra Expense,you mayextendthatinsurancetoapplytolosscausedbyorresultingfroma"breakdown"to equipment that is owned,operated or controlled by a local public or private utility or distributor that directly generates,transmits,distributes or provides the following utility services: (1)"Water Supply Services"; (2)"Communication Supply Services"; or (3)"Power Supply Services." d.Data Restoration We will pay for your cost to research,replace and restore "electronic data"and "electronic media and data"that is lost as a result due to a "breakdown"to "Covered Equipment."The most we will pay for loss orexpensesunderthiscoverageis$100,000 or the limit shown in the Declarations for Equipment BreakdownCoverage at the described premises, whichever is less. The limit provided for the Data Restoration Coverage is a part of,and does not increase the Limit ofInsurance for Equipment Breakdown Coverage. 3.We will not pay under this Coverage Extension for loss or damage caused by or resulting from any of the followingtests: a.A hydrostatic, pneumatic or gas pressure test of any boiler or pressure vessel; or b.An insulation breakdown test of any type of electrical equipment. 4.We will not pay under this Coverage Extension for loss or damage caused by or resulting from a change in: a.Temperature; or b.Humidity; as a consequence of "breakdown" to "covered equipment." 5.The following limitations in Paragraph A.4. do not apply to this Coverage Extension: a.Paragraph a.(2); and b.Paragraph a.(3). 6.The following exclusions in Paragraph B. Exclusions do not apply to this Coverage Extension: a.Paragraph 2.a.; b.Paragraph 2.d.(6); and c.Paragraph 2.e. 7.With respect to this Coverage Extension,the following condition is added to Paragraph F.Commercial PropertyConditions: Suspension If any "covered equipment"is found to be in or exposed to a dangerous condition,any of our representatives mayimmediatelysuspendtheinsuranceprovidedbythisCoverageFormforlossordamagecausedbyorresultingfrom a "breakdown" to that "covered equipment." This can be done by delivering or mailing a notice of suspensionto: a.Your last known address; or b.The address where the "covered equipment" is located. Once suspended in this way,such insurance can only be reinstated by a written endorsement issued by us.If wesuspendyourinsurance,you will get a pro rata refund of premium for that "covered equipment."But thesuspension will be effective even if we have not yet made or offered a refund. SB146828E(Ed. 04/14) SB146828E (Ed. 04/14)Page 3 of 3 Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with its permission. 8.The following Loss Payment Condition is added under E.4.e.Loss Payment Building and Personal Property ofthe Businessowners Special Property Coverage Form: (19) "Covered Equipment" as follows: If Equipment Breakdown Property requires replacement due to an Equipment Breakdown,we will pay youradditionalcosttoreplaceitwithequipmentthatisbetterfortheenvironment,safer or more efficient than theequipmentbeingreplaced.However,we will not pay more than 125%of what the cost would have been torepair or replace with property of comparable material and quality. This coverage does not increase any of theapplicablelimits.This coverage does not apply to any property indicated as being valued on an Actual CashValue basis. If you wish to retrofit air conditioning or refrigeration equipment that utilizes a refrigerant containing CFC(chlorofluorocarbon)substances to accept a non-CFC refrigerant,we will consider this better for theenvironment.Any associated Business Income or Extra Expense will be included,in determining theadditional cost, if Business Income and Extra Expense apply to this policy. All other terms and conditions of the Policy remain unchanged. ªH " ( ¢ # u h 2 { 6 ¥ 3 t « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 2 3 SB-146830-B(Ed. 01/08) SB-146830-B Page 1 of 1(Ed. 01/08) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MONEY ORDERS AND COUNTERFEIT PAPER CURRENCY This endorsement modifies insurance provided under the following: BUSINESSOWNERS SPECIAL PROPERTY COVERAGE FORM The following coverage is added to your BusinessownersSpecialPropertyCoverageFormunderParagraphA.6.Coverage Extensions: Unless otherwise stated,payments made under thisCoverageExtensionaresubjecttoandnotinadditiontothe applicable Limits of Insurance. When a Limit of Insurance is shown in theDeclarationsforBusinessPersonalPropertyatthedescribedpremises,you may extend that insurance toapply to loss due to the good faith acceptance of: 1.Any U.S.or Canadian post office or expressmoneyorder,issued or claiming to have beenissuedbyanypostofficeorexpresscompany,ifthe money order is not paid upon presentation; or 2.Counterfeit United States or Canadian papercurrency. in exchange for merchandise,"money"or services oras part of a normal business transaction. HIJKLMN SB-146831-B(Ed. 06/11) SB-146831-B Page 1 of 1(Ed. 06/11) HIJKLMN THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NON-OWNED DETACHED TRAILERS This endorsement modifies insurance provided under the following: BUSINESSOWNERS SPECIAL PROPERTY COVERAGE FORM The following coverage is added to your BusinessownersSpecialPropertyCoverageFormunderParagraphA.6.Coverage Extensions. Unless otherwise stated,payments made under thefollowingCoverageExtensionissubjecttoandnotinaddition to the applicable Limits of Insurance. 1.When a Limit of Insurance is shown in theDeclarationsforBuildingorBusinessPersonalPropertyatthedescribedpremisesyoumayextend the insurance that applies to your BusinessPersonalPropertytoapplytolossordamagetotrailersorsemi-trailers that you do not own,provided that: a.The trailer is used in your business; b.The trailer is in your care,custody or controlatthepremisesdescribedintheDeclarations;and c.You have a contractual responsibility to payfor loss or damage to the trailer. 2.We will not pay for any loss or damage thatoccurs: a.While the trailer is attached to any motorvehicleormotorizedconveyance,whether ornotthemotorvehicleormotorizedconveyance is in motion; b.During hitching or unhitching operations,orwhen a trailer becomes accidentally unhitchedfromamotorvehicleormotorizedconveyance. 3.The most we will pay for loss or damage underthisCoverageExtensioninanyoneoccurrenceis$5,000 regardless of the number of describedpremises, trailers or semi-trailers involved. 4.This insurance is excess over the amount due(whether you can collect on it or not)from anyother insurance covering such property. ªH " ( ¢ # u h 2 { 6 ¥ 4 ¢ « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 2 4 SB-146832-B(Ed. 01/08) SB-146832-B Page 1 of 1(Ed. 01/08) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ORDINANCE OR LAW – INCREASED PERIOD OF RESTORATION This endorsement modifies insurance provided under the following: BUSINESSOWNERS SPECIAL PROPERTY COVERAGE FORMBUSINESS INCOME AND EXTRA EXPENSE COVERAGE FORM The following coverage is added to your BusinessownersSpecialPropertyCoverageFormunderParagraphA.6.Coverage Extensions. Unless otherwise stated,payments made under thefollowingCoverageExtensionissubjecttoandnotinaddition to the applicable Limits of Insurance. Ordinance or Law – Increased Period of Restoration 1.When: a.A Covered Cause of Loss occurs to propertyat the described premises; and b.The Declarations shown that you havecoverageforBusinessIncomeandExtraExpense; you may extend that insurance to apply to theamountofactuallossofBusinessIncomeyousustainandreasonableandnecessaryExtraExpenseyouincurduringtheincreasedperiodof"suspension"of "operations"caused by orresulting from the enforcement of any ordinance orlaw that: (1)Regulates the construction,repair orreplacement of any property; (2)Requires the tearing down or replacementof any parts of property not damaged by aCovered Cause of Loss; and (3)Is in force at the time of loss. 2.This Coverage Extension applies only to theperiodthatwouldberequired,with reasonablespeed,to reconstruct,repair or replace theproperty to comply with the minimum requirementsof the ordinance or law. 3.This Coverage Extension does not apply to: a.Loss due to an ordinance or law that: (1)You were required to comply with beforetheloss,even if the property wasundamaged; and (2)You failed to comply with; or b.Costs associated with the enforcement of anyordinanceorlawthatrequiresanyinsuredorotherstotestfor,monitor,clean up,remove,contain,treat,detoxify or neutralize,or in anywayrespondtoorassesstheeffectsof"pollutants." 4.Paragraph B.1.a.,does not apply to this CoverageExtension. 5.The most we will pay for loss under this CoverageExtensioninanyoneoccurrenceis$25,000 ateach described premises. 6.Payments made under this Coverage ExtensionareinadditiontotheapplicableLimitsofInsurance. HIJKLMN SB-146833-A(Ed. 01/06) SB-146833-A Page 1 of 1(Ed. 01/06) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. OUTDOOR PROPERTY This endorsement modifies insurance provided under the following: BUSINESSOWNERS SPECIAL PROPERTY COVERAGE FORM The following coverage is added to your BusinessownersSpecialPropertyCoverageFormunderParagraphA.6.Coverage Extensions. Unless otherwise stated,payments made under thefollowingCoverageExtensionissubjecttoandnotinaddition to the applicable Limits of Insurance. Outdoor Property 1.When a Limit of Insurance is shown in theDeclarationsforBuildingorBusinessPersonalPropertyatthedescribedpremises,you mayextendthatinsurancetoapplytodirectphysical loss of or damage to the following types of outdoorpropertyatthatdescribedpremisescausedbyorresulting from a Covered Cause of Loss: a.Radio or television antennas (includingmicrowaveorsatellitedishes)and their leadin wiring, masts or towers; or b.Bridges,walks,roadways,patios and otherpaved surfaces. 2.The most we will pay for loss or damage underthisCoverageExtensioninanyoneoccurrenceis$10,000 at each described premises. HIJKLMN ªH " ( ¢ # u h 2 { 6 ¥ 5 ' « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 2 5 SB-146834-A(Ed. 01/06) SB-146834-A Page 1 of 1(Ed. 01/06) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PERSONAL EFFECTS This endorsement modifies insurance provided under the following: BUSINESSOWNERS SPECIAL PROPERTY COVERAGE FORM The following coverage is added to your BusinessownersSpecialPropertyCoverageFormunderParagraphA.6.Coverage Extensions. Unless otherwise stated,payments made under thefollowingCoverageExtensionissubjecttoandnotinaddition to the applicable Limits of Insurance. Personal Effects 1.When a Limit of Insurance is shown in theDeclarationsforBuildingorBusinessPersonalPropertyatthedescribedpremises,you mayextendthatinsurancetoapplytodirectphysicalloss of or damage to personal effects owned by: a.You; or b.Your officers,partners,"members","managers","employees",directors ortrustees; caused by or resulting from a Covered Cause ofLoss. 2.Such property must be located at a describedpremises. 3.The most we will pay for loss or damage underthisCoverageExtensioninanyoneoccurrenceis$25,000 at each described premises. 4.Payments under this Coverage Extension are inaddition to the applicable Limits of Insurance. HIJKLMN SB-146835-A(Ed. 01/06) SB-146835-A Page 1 of 1(Ed. 01/06) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SIGNS This endorsement modifies insurance provided under the following: BUSINESSOWNERS SPECIAL PROPERTY COVERAGE FORM Subject to the Exclusions,Conditions and Limitations ofthispolicy,you may extend this insurance as indicatedbelow. Unless otherwise stated,payments made under thefollowing coverage will not increase the applicable Limits ofInsurance. Your Building or Business Personal Property insurance isextended to cover outdoor signs attached to the building oron or within 1,000 feet of the described premises. HIJKLMN ªH " ( ¢ # u h 2 { 6 ¥ 6 4 « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 2 6 SB-146836-A(Ed. 01/06) SB-146836-A Page 1 of 1(Ed. 01/06) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SPOILAGE – CONSEQUENTIAL LOSS This endorsement modifies insurance provided under the following: BUSINESSOWNERS SPECIAL PROPERTY COVERAGE FORM The following coverage is added to your BusinessownersSpecialPropertyCoverageFormunderParagraphA.6.Coverage Extensions. Unless otherwise stated,payments made under thefollowingCoverageExtensionissubjecttoandnotinaddition to the applicable Limits of Insurance. Spoilage – Consequential Loss 1.When a Limit of Insurance is shown in theDeclarations for Business Personal Property at thedescribedpremises,you may extend thatinsurancetoapplytoconsequentiallosstoyourBusinessPersonalPropertycausedbyachangein: a.Temperature; or b.Humidity; caused by or resulting from a Covered Cause oflosstoanyofthefollowingtypesofequipment situated within the building at the describedpremises: a.Refrigerating; b.Cooling; c.Humidifying; d.Air conditioning; e.Heating; f.Generating or converting power; or g.Connections,supply or transmission lines andpipes associated with the above equipment. 2.With respect to this Coverage Extension,"breakdown"to "covered equipment"will not beconsideredaCoveredCauseofLoss,even ifotherwise covered elsewhere in this Policy. 3.Paragraphs B.2.d.(7)(a)and B.2.d.(7)(b)do notapply to this Coverage Extension. HIJKLMN SB-146837-A(Ed. 01/06) SB-146837-A Page 1 of 1(Ed. 01/06) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THEFT DAMAGE TO RENTED PROPERTY This endorsement modifies insurance provided under the following: BUSINESSOWNERS SPECIAL PROPERTY COVERAGE FORM The following coverage is added to your BusinessownersSpecialPropertyCoverageFormunderParagraphA.6.Coverage Extensions. Unless otherwise stated,payments made under thefollowingCoverageExtensionissubjecttoandnotinaddition to the applicable Limits of Insurance. Theft Damage to Rented Property 1.When a Limit of Insurance is shown in theDeclarations for Business Personal Property at thedescribedpremises,you may extend thatinsurancetoapplytodirectphysicallossofordamagetothefollowingcausedbyorresultingby"theft" or attempted "theft": a.That part of a building you occupy,but do notown, which contains Covered Property; and b.Property within such non-owned building usedfor maintenance or service of such non-ownedbuilding. 2.We will not pay under this Coverage Extension forloss or damage: a.Caused by or resulting from fire or explosion;or b.To glass (other than glass building blocks)ortoanylettering,ornamentation or burglaralarm tape on glass. 3.This Coverage Extension applies only if you are atenantandyouarecontractuallyobligatedtoinsure this exposure. HIJKLMN ªH " ( ¢ # u h 2 { 6 ¥ 7 A « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 2 7 SB-146838-C(Ed. 06/11) SB-146838-C Page 1 of 1(Ed. 06/11) HIJKLMN THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. VALUABLE PAPERS AND RECORDS This endorsement modifies insurance provided under the following: BUSINESSOWNERS SPECIAL PROPERTY COVERAGE FORM The following coverage is added to your BusinessownersSpecialPropertyCoverageFormunderParagraphA.6.Coverage Extensions. Unless otherwise stated,payments made under thefollowingCoverageExtensionissubjecttoandnotinaddition to the applicable Limits of Insurance. Valuable Papers and Records 1.When a Limit of Insurance is shown in theDeclarationsforBuildingorBusinessPersonalPropertyatthedescribedpremises,you mayextendthatinsurancetoapplytoloss,asdescribedinParagraph2.below,due to directphysicallossofordamageto"valuable papersand records" that: a.You own; or b.Are owned by others,but in your care,custody or control; caused by or resulting from a Covered Cause ofloss. 2.This Coverage Extension includes the cost toresearch, replace or restore the lost information on"valuable papers and records" for which duplicatesdo not exist. 3.The following exclusions apply to this CoverageExtension: a.We will not pay for any loss or damage to"valuable papers and records"caused by orresultingfromanyerrorsoromissionsinprocessingorcopying.But if errors oromissionsinprocessingorcopyingresultsinfireorexplosion,we will pay for the resultinglossordamagecausedbythatfireorexplosion. b.Paragraph B.1.b. Earth Movement; c.Paragraph B.1.c. Governmental Action; d.Paragraph B.1.d. Nuclear Hazard; e.Paragraph B.1.f. War and Military Action; f.Paragraph B.1.g. (1), (2) and (4) Water; g.Paragraph B.1.h. Neglect; h.Paragraph B.2.g. Frozen plumbing. No other exclusions in Paragraph B.ExclusionsapplytothisCoverageExtension.However,if anyexclusionsareaddedbyendorsementtothisCoverageForm,such exclusions will apply to thisCoverage Extension. 4.The most we will pay under this CoverageExtensionforlossofordamageto"valuablepapersandrecords"in any one occurrence whilein transit or at a premises other than the describedpremises is $25,000. 5.The most we will pay under this CoverageExtensionforlossofordamageto"valuablepapersandrecords"in any one occurrence ateachdescribedpremisesis$25,000 or theamountshownintheDeclarationsforValuablePapers and Records, whichever is greater. 6.Payments made under this Coverage ExtensionareinadditiontotheapplicableLimitsofInsurance. SB-146839-F(Ed. 06/11) SB-146839-F Page 1 of 1(Ed. 06/11) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SEWER OR DRAIN BACK UP This endorsement modifies insurance provided under the following: BUSINESSOWNERS SPECIAL PROPERTY COVERAGE FORMCONCURRENT CAUSATION, EARTH MOVEMENT & WATER EXCLUSION CHANGES The following coverage is added to your BusinessownersSpecial Property Coverage Form: Unless otherwise stated,payments made under thefollowing coverage will not increase the applicable Limits ofInsurance. Subject to the Exclusions,Conditions and Limitations ofthispolicy,you may extend this insurance as indicatedbelow. 1.We will pay for loss or damage to covered propertycausedbywaterthatbacksuporoverflowsfromasewer,drain,sump,or from water that overflows dueto the failure of a sump pump,sump pump well,or anyothertypeofsystemdesignedtoremovesubsurfacewater from the foundation area, subject to the followinglimitations: a.We will not pay for loss or damage under thisAdditionalCoveragecausedbytheemanationofwaterfromasewerordrain,sump,sump pump,sump pump well,or any other type of systemdesignedtoremovesubsurfacewaterfromthefoundationarea,that itself caused by,or is theresult of: (i)"Flood,"surface water,waves,tides,tidalwaves,overflow of any body of water,or theirspray, all whether driven by wind or not; (ii)Mudslide or mudflow. b.The most we will pay for direct physical damage isthe limit of insurance shown in the Declarations forSewer or Drain Back Up. 2.With respect to otherwise covered Business IncomeandExtraExpense,loss or damage to coveredpropertycausedbywaterthatbacksuporoverflowsfromasewer,drain,sump,or from water thatoverflowsduetothefailureofasumppump,sumppumpwell,or any other type of system designed toremovesubsurfacewaterfromthefoundationarea,will be considered a Covered Cause of Loss. 3.Exclusion B.1.g.(3)of the Businessowners SpecialPropertyCoverageFormdoesnotapplytothisAdditional Coverage. HIJKLMN ªH " ( ¢ # u h 2 { 6 ¥ 8 N « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 2 8 SB-146850-B(Ed. 03/06) SB-146850-B Page 1 of 1(Ed. 03/06) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BUSINESS INCOME AND EXTRA EXPENSE – 72 HOUR DEDUCTIBLE This endorsement modifies insurance provided under the following: BUSINESS INCOME AND EXTRA EXPENSE 1.With respect to Business Income and ExtraExpense: We will pay the amount described in eitherparagraph4.a.or 4.b.However,we shall not beliableforanypaymentfortheExtraExpenseyouincurorlossofBusinessIncomeyousustain,during the first 72 hours following the start of anecessary"suspension"of your "operations"during the "period of restoration.” HIJKLMN SB146916E(Ed. 07-20) SB146916E (07-20)Page 1 of 6 Copyright, CNA All Rights Reserved. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CALIFORNIA CHANGES This endorsement modifies insurance provided under the following: BUSINESSOWNERS SPECIAL PROPERTY COVERAGE FORMBUSINESSOWNERS LIABILITY COVERAGE FORMBUSINESSOWNERS COMMON POLICY CONDITIONS A.The Businessowners Special Property Coverage Form is amended as follows: 1.With respect to an "open policy", the following is added to any provision which uses the term actual cash value: a.In the event of a partial loss to a building or structure,actual cash value is calculated as b.(1)or b.(2),whichever is less: (1)The amount it would cost to repair,rebuild or replace the property less a fair and reasonable deductionforphysicaldepreciationofthecomponentsofthebuildingorstructurethatarenormallysubjecttorepairorreplacementduringitsusefullife.Physical depreciation is based upon the condition of the property atthe time of loss; (2)The Limit of Insurance applicable to the property. b.In the event of a partial or total loss to Covered Property other than a building or structure,actual cash valueis calculated as c.(1) or c.(2), whichever is less: (1)The amount it would cost to repair or replace the property less a fair and reasonable deduction forphysical depreciation based upon the condition of the property at the time of loss; (2)The Limit of Insurance applicable to the property. c.An "open policy"is a policy under which the value of Covered Property is not fixed at policy inception,but isdetermined at the time of loss in accordance with policy provisions on valuation. 2.Paragraph E.2. Appraisal Property Loss Conditions is replaced by the following: 2.Appraisal If we and you disagree on the value of the property or the actual cash value or the amount of loss,either maymakewrittenrequestforanappraisaloftheloss.In this event,each party will select a competent andimpartialappraiser.However,in the event of a government-declared disaster,as defined in the GovernmentCode,appraisal may be requested by either you or us but shall not be compelled.Each party shall notify theother of the appraiser selected within 20 days of the request.The two appraisers will select an umpire.If theycannotagreewithin15days,either may request that selection be made by a judge of a court havingjurisdiction.The appraisers will state separately the value of the property and actual cash value and amountofloss.If they fail to agree,they will submit their differences to the umpire.A decision agreed to by any twowill set the amount of actual cash value and loss and will be binding. Each party will: a.Pay its chosen appraiser; and b.Bear the other expenses of the appraisal and umpire equally. If there is an appraisal, we will still retain our right to deny the claim. 3.Paragraph E.4.e.(1)(a)of the Loss Payment –Building and Personal Property Property Loss Conditions isdeleted. 4.Paragraphs E.4.e.(1)(b)(i),E.4.e.(1)(b)(ii)and E.4.e.(7)of the Loss Payment –Building and Personal PropertyProperty Loss Conditions are deleted and replaced by the following: (b)We will not pay on a replacement cost basis for any loss or damage until the lost or damaged property isactually repaired or replaced. Prior to such repair or replacement,we will pay the actual cash value of the lostordamagedpropertyasdescribedinparagraphA.1.of this Endorsement.If the actual cash value does not HIJKLMN ªH " ( ¢ # u h 2 { 6 ¥ 9 [ « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 2 9 SB146916E(Ed. 07-20) SB146916E (07-20)Page 2 of 6 Copyright, CNA All Rights Reserved. exhaust the applicable Limit of Insurance,we will then pay the difference between the actual cash value andthe replacement cost, provided that the repair or replacement is completed: (i)Within 12 months after we pay the actual cash value; or (ii)Within 36 months after we pay the actual cash value if the loss or damage relates to a state ofemergency under California law; The following provision applies to real property which is used predominantly for residential purposes andconsistingofnotmorethanfourdwellingunits,and to coverage on tenants'household personal property in aresidential unit: If you,acting in good faith and with reasonable diligence,encounter a delay or delays in approval for,orreconstructionof,the residence that are beyond your control,we shall provide one or more additionalextensions of six months for good cause. Circumstances beyond your control include, but are not limited to: (i)Unavoidable construction permit delays; (ii)The lack of necessary construction materials; or (iii)The unavailability of contractors to do the necessary work. Nothing in this paragraph (b)constitutes a waiver of our right to deny the claim for any valid reason or torestrict payment in cases of suspected fraud. (7)Tenants Improvements and betterments at: (a)Replacement cost in accordance with the terms set form in paragraph (1)(b) above. (b)A proportion of your original cost if the property is not repaired or replaced.We will determine theproportionate value as follows: (i)Multiply the original cost by the number of days from the loss or damage to the expiration of thelease; and (ii)Divide the amount determined in (i)above by the number of days from the installation ofimprovements to the expiration of the lease. If your lease contains a renewal option,the expiration of the renewal option period will replace theexpiration of the lease in this procedure. (c)Nothing if others pay for repairs or replacement. B.The Businessowners Common Policy Conditions are amended as follows: 1.Paragraphs A.2. and A.3. Cancellation are replaced by the following: 2.All Policies In Effect For 60 Days Or Less If this policy has been in effect for 60 days or less, and is not a renewal of a policy we have previously issued,we may cancel this policy by mailing or delivering to the first Named Insured at the mailing address shown inthepolicyandtotheproducerofrecord,advance written notice of cancellation,stating the reason forcancellation, at least: a.10 days before the effective date of cancellation if we cancel for: (1)Nonpayment of premium; or (2)Discovery of fraud by: (a)Any insured or his or her representative in obtaining this insurance; or (b)You or your representative in pursuing a claim under this policy. b.30 days before the effective date of cancellation if we cancel for any other reason. SB146916E(Ed. 07-20) SB146916E (07-20)Page 3 of 6 Copyright, CNA All Rights Reserved. 3.All Policies In Effect For More Than 60 Days a.If this policy has been in effect for more than 60 days,or is a renewal of a policy we issued,we maycancelthispolicyonlyupontheoccurrence,after the effective date of the policy,of one or more of thefollowing: (1)Nonpayment of premium,including payment due on a prior policy we issued and due during thecurrent policy term covering the same risks. (2)Discovery of fraud or material misrepresentation by: (a)Any insured or his or her representative in obtaining this insurance; or (b)You or your representative in pursuing a claim under this policy. (3)A judgment by a court or an administrative tribunal that you have violated a California or Federal law,having as one of its necessary elements an act which materially increases any of the risks insuredagainst. (4)Discovery of willful or grossly negligent acts or omissions,or of any violations of state laws orregulationsestablishingsafetystandards,by you or your representative,which materially increaseany of the risks insured against. (5)Failure by you or your representative to implement reasonable loss control requirements,agreed tobyyouasaconditionofpolicyissuance,or which were conditions precedent to our use of aparticular rate or rating plan, if that failure materially increases any of the risks insured against. (6)A determination by the Commissioner of Insurance that the: (a)Loss of,or changes in,our reinsurance covering all or part of the risk would threaten ourfinancial integrity or solvency; or (b)Continuation of the policy coverage would: (i)Place us in violation of California law or the laws of the state where we are domiciled; or (ii)Threaten our solvency. (7)A change by you or your representative in the activities or property of the commercial or industrialenterprise,which results in a materially added,increased or changed risk,unless the added,increased or changed risk is included in the policy. b.We will mail or deliver advance written notice of cancellation,stating the reason for cancellation,to thefirst Named Insured, at the mailing address shown in the policy, and to the producer of record, at least: (1)10 days before the effective date of cancellation if we cancel for nonpayment of premium ordiscovery of fraud; or (2)30 days before the effective date of cancellation if we cancel for any other reason listed in Paragraph3.a. 2.The following provision is added to Paragraph A. Cancellation: 7.Residential Property This provision applies to coverage on real property which is used predominantly for residential purposes andconsistingofnotmorethanfourdwellingunits,and to coverage on tenants'household personal property in aresidentialunit.If such coverage has been in effect for 60 days or less,and is not a renewal of coverage wepreviouslyissued,we may cancel this coverage for any reason,except we may not cancel this policy solelybecause: a.Corrosive soil conditions exist on the premises; or b.The first Named Insured has: (1)Accepted an offer of earthquake coverage; or (2)Cancelled or did not renew a policy issued by the California Earthquake Authority (CEA)thatincluded an earthquake policy premium surcharge. ªH " ( ¢ # u h 2 { 7 ¥ 0 X « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 3 0 SB146916E(Ed. 07-20) SB146916E (07-20)Page 4 of 6 Copyright, CNA All Rights Reserved. However,we shall cancel this policy if the first Named Insured has accepted a new or renewal policyissuedbytheCEAthatincludesanearthquakepolicypremiumsurchargebutfailstopaytheearthquakepolicy premium surcharge authorized by the CEA. If a state of emergency under California Law is declared and the residential property is located in any ZIPCodewithinoradjacenttothefireperimeterasdeterminedbyCaliforniaLaw,we will not cancel this Policyfor one year, beginning from the date the state of emergency is declared,solely because the dwelling or otherstructure is located in an area in which a wildfire has occurred. However, we may cancel: a.When you have not paid the premium,at any time letting you know at least 10 days before thecancellation takes effect; b.If willful or grossly negligent acts or omissions by the named insured,or his or her representatives,arediscovered that materially increase any of the risks insured against; or c.If there are physical changes in the property insured against,beyond the catastrophe damaged conditionof the structures and surface landscape, which result in the property becoming uninsurable. 3.Paragraph C.Concealment,Misrepresentation Or Fraud is replaced by the following with respect to loss ordamage caused by fire: We do not provide coverage to the insured who,whether before or after a loss,has committed fraud orintentionally concealed or misrepresented any material fact or circumstance concerning: a.This policy; b.The Covered Property; c.That insured's interest in the Covered Property; or d.A claim under this policy. 4.Paragraph C.Concealment,Misrepresentation Or Fraud is replaced by the following with respect to loss ordamage caused by a Covered Cause of Loss other than fire: This policy is void if any insured,whether before or after a loss,has committed fraud or intentionally concealed ormisrepresented any material fact or circumstance concerning: a.This policy; b.The Covered Property; c.An insured's interest in the Covered Property; or d.A claim under this policy. 5.The following paragraph is added and supersedes any provisions to the contrary: M.Nonrenewal 1.Subject to the provisions of Paragraphs 2.and 3.below,if we elect not to renew this policy,we will mailordeliverwrittennoticestatingthereasonfornonrenewaltothefirstNamedInsuredshownintheDeclarationsandtotheproducerofrecord,at least 60 days,but not more than 120 days,before theexpiration or anniversary date. We will mail or deliver our notice to the first Named Insured,and to the producer of record,at the mailingaddress shown in the policy. 2.Residential Property This provision applies to coverage on real property used predominantly for residential purposes andconsisting of not more than four dwelling units, and to coverage on tenants' household property containedin a residential unit. If this Policy provides coverage as described in the preceding paragraph,and we elect not to renew thisPolicy,we will mail and deliver written notice,stating the reason for nonrenewal,to the first NamedInsuredshownintheDeclarations,and to the producer of record,at the mailing address shown in thePolicy, at least 75 days, but not more than 120 days, before the expiration or anniversary date. SB146916E(Ed. 07-20) SB146916E (07-20)Page 5 of 6 Copyright, CNA All Rights Reserved. If we fail to give the first Named Insured shown in the Declarations notice of nonrenewal at least 75 dayspriortopolicyexpiration,as required in the paragraph above,this Policy,with no change in its terms andconditions,shall remain in effect for 75 days from the date that the notice of nonrenewal is delivered ormailedtothenamedinsured.A notice to this effect shall be provided by us to the first Named Insuredwith the notice of nonrenewal. We may elect not to renew such coverage for any reason,except that we will not refuse to renew suchcoverage solely because: a.The first Named Insured has accepted an offer of earthquake coverage. However,the following applies only to insurers who are associate participating insurers asestablishedbyCal.Ins.Code Section 10089.16.We may elect not to renew such coverage after thefirstNamedInsuredhasacceptedanofferofearthquakecoverage,if one or more of the followingreasons applies: (1)The nonrenewal is based on sound underwriting principles that relate to the coverages providedbythispolicyandthatareconsistentwiththeapprovedratingplanandrelateddocumentsfiledwith the Department of Insurance as required by existing law; (2)The Commissioner of Insurance finds that the exposure to potential losses will threaten oursolvencyorplaceusinahazardouscondition.A hazardous condition includes,but is not limitedto,a condition in which we make claims payments for losses resulting from an earthquake thatoccurredwithintheprecedingtwoyearsandthatrequiredareductioninpolicyholdersurplusofat least 25% for payment of those claims; or (3)We have: (a)Lost or experienced a substantial reduction in the availability or scope of reinsurancecoverage; or (b)Experienced a substantial increase in the premium charged for reinsurance coverage of ourresidential property insurance policies; and the Commissioner has approved a plan for the nonrenewals that is fair and equitable,and that isresponsive to the changes in our reinsurance position. b.The first Named Insured has cancelled or did not renew a policy,issued by the California EarthquakeAuthority that included an earthquake policy premium surcharge. c.Corrosive soil conditions exist on the premises. If a state of emergency under California Law is declared and the residential property is located in any ZIPCodewithinoradjacenttothefireperimeterasdeterminedbyCaliforniaLaw,we will not nonrenew thisPolicyforoneyear,beginning from the date the state of emergency is declared,solely because thedwelling or other structure is located in an area in which a wildfire has occurred. However, we may nonrenew: a.If willful or grossly negligent acts or omissions by the named insured,or his or her representatives,are discovered that materially increase any of the risks insured against; or b.If losses unrelated to the post-disaster loss condition of the property have occurred that wouldcollectively render the risk ineligible for renewal; or c.If there are physical changes in the property insured against,beyond the catastrophe damagedcondition of the structures and surface landscape, which result in the property becoming uninsurable. 3.We are not required to send notice of nonrenewal in the following situations: a.If the transfer or renewal of a policy,without any changes in terms,conditions,or rates,is betweenus and a member of our insurance group. b.If the policy has been extended for 90 days or less,provided that notice has been given inaccordance with Paragraph 1. ªH " ( ¢ # u h 2 { 7 ¥ 1 e « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 3 1 SB146916E(Ed. 07-20) SB146916E (07-20)Page 6 of 6 Copyright, CNA All Rights Reserved. c.If you have obtained replacement coverage,or if the first Named Insured has agreed,in writing,within 60 days of the termination of the policy, to obtain that coverage. d.If the policy is for a period of no more than 60 days and you are notified at the time of issuance that itwill not be renewed. e.If the first Named Insured requests a change in the terms or conditions or risks covered by the policywithin 60 days of the end of the policy period. f.If we have made a written offer to the first Named Insured,in accordance with the timeframes showninParagraph1.,to renew the policy under changed terms or conditions or at an increased premiumrate, when the increase exceeds 25%. All other terms and conditions of the Policy remain unchanged. SB146935E(Ed. 10-19) SB146935E (Ed. 10-19)Page 1 of 4 Copyright, CNA All Rights Reserved. BLANKET ADDITIONAL INSURED – OWNERS, LESSEES OR CONTRACTORS- WITH PRODUCTS COMPLETED OPERATIONS COVERAGE ANDLIABILITY EXTENSION ENDORSEMENT This endorsement modifies insurance provided under the following: BUSINESSOWNERS LIABILITY COVERAGE PARTBUSINESSOWNERS COMMON POLICY CONDITIONS TABLE OF CONTENTS I.Blanket Additional Insured – including Primary-Noncontributory provision II.Liability Extension Coverages A.Bodily Injury – Expanded Definition B.Broad Knowledge of Occurrence C.Estates, Legal Representatives and Spouses D.Fellow Employee First Aid E.Personal and Advertising Injury – Discrimination or Humiliation F.Personal and Advertising Injury – Broadened Eviction G.Waiver of Subrogation – Blanket H.Additional Insured – Extended Coverage I.BLANKET ADDITIONAL INSURED PROVISIONS A.Who Is An Insured is amended to include as an additional insured any person or organization whom you arerequired by "written contract" to add as an additional insured on the Businessowners Liability Coverage Form. B.The insurance provided to the additional insured is limited as follows: 1.The person or organization is an additional insured only with respect to liability for "bodily injury,""propertydamage," or "personal and advertising injury" caused in whole or in part by: a.Your acts or omissions; or b.The acts or omissions of those acting on your behalf in the performance of your ongoing operations specified in the "written contract"; or c."Your work"that is specified in the written contract but only for "bodily injury"or "property damage"included in the products completed operations hazard, and only if : (1)The "written contract" requires you to provide the additional insured such coverage; and (2)This Coverage Part provides such coverage. 2.Subject always to the terms and conditions of this policy,including the limits of insurance,we will not providesuch additional insured with: a.Coverage broader than required by the "written contract"; b.A higher limit of insurance than required by the "written contract." HIJKLMN ªH " ( ¢ # u h 2 { 7 ¥ 2 r « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 3 2 SB146935E(Ed. 10-19) SB146935E (Ed. 10-19)Page 2 of 4 Copyright, CNA All Rights Reserved. C.The insurance provided to the additional insured does not apply to "bodily Injury,""property damage,"or"personal and advertising injury" arising out of: a.The rendering of,or the failure to render,any professional architectural,engineering,or surveying services,including: (1)The preparing approving,or failing to prepare or approve maps,shop drawings,opinions,reports,surveys, field orders, change orders or drawings and specifications; and (2)Supervisory, inspection, architectural or engineering activities; or b.Any premises or work for which the additional insured is specifically listed as an additional insured on anotherendorsement attached to this Policy. D.Notwithstanding anything to the contrary in the Other Insurance condition of the Businessowners Common PolicyConditions,this insurance is excess of all other insurance available to the additional insured,whether on aprimary,excess,contingent or any other basis.But if required by the "written contract,"this insurance will beprimary and non-contributory relative to insurance on which the additional insured is a Named Insured. E.Under Businessowners Liability Conditions,the Duties in the Event of Occurrence,Offense,Claim or Suitcondition is amended to add the following additional conditions applicable to the additional insured is amended asfollows: An additional insured under this endorsement will as soon as practicable: a.Give us written notice of an "occurrence"or an offense which may result in a claim or "suit"under thisinsurance, and of any claim or "suit" that does result; b.Tender the defense and indemnity of any claim or "suit"to any other insurer or self insurer whose policy orprogram applies to all loss we cover under this Policy; c.Except as provided in Paragraph B.3.of this endorsement,agree to make available any other insurance theadditional insured has for a loss we cover under this Policy; and d.Send us copies of all legal papers received,and otherwise cooperate with us in the investigation,defense,orsettlement of the claim or "suit." We have no duty to defend or indemnify an additional insured under this endorsement until we receive fromthe additional insured written notice of a claim or "suit." F.Under Liability and Medical Expense Definitions, the following definition is added: "Written contract"means a written contract or agreement that requires you to make a person or organization anadditional insured on this policy, provided the contract or agreement: a.Is currently in effect or becomes effective during the term of this policy; and b.Was executed prior to: (1)The "bodily injury" or "property damage"; or (2)The offense that caused the "personal and advertising injury"; for which the additional insured seeks coverage. II.LIABILITY EXTENSION COVERAGES It is understood and agreed that this endorsement amends the Businessowners Liability Coverage Form.If anyotherendorsementattachedtothispolicyamendsanyprovisionalsoamendedbythisendorsement,then that otherendorsement controls with respect to such provision, and the changes made by this endorsement to such provision donot apply. A.Bodily Injury – Expanded Definition Under Liability and Medical Expenses Definitions,the definition of "Bodily Injury"is deleted and replaced withthe following: SB146935E(Ed. 10-19) SB146935E (Ed. 10-19)Page 3 of 4 Copyright, CNA All Rights Reserved. "Bodily injury"means physical injury,sickness or disease sustained by a person,including death,humiliation,shock, mental anguish or mental injury by that person at any time which results as a consequence of the physicalinjury, sickness or disease. B.Broad Knowledge of Occurrence Under Businessowners Liability Conditions,the condition entitled Duties In The Event of Occurrence,Offense, Claim or Suit is amended to add the following: Paragraphs a.and b.apply to you or to any additional insured only when such "occurrence,"offense,claim or"suit" is known to: (1)You or any additional insured that is an individual; (2)Any partner, if you or an additional insured is a partnership; (3)Any manager, if you or an additional insured is a limited liability company; (4)Any "executive officer" or insurance manager, if you or an additional insured is a corporation; (5)Any trustee, if you or an additional insured is a trust; or (6)Any elected or appointed official, if you or an additional insured is a political subdivision or public entity. This paragraph e. applies separately to you and any additional insured. C.Estates, Legal Representative and Spouses The estates,heirs,legal representatives and spouses of any natural person insured shall also be insured underthis policy; provided, however, coverage is afforded to such estates, heirs, legal representatives and spouses onlyforclaimsarisingsolelyoutoftheircapacityassuchand,in the case of a spouse,where such claim seeksdamagesfrommaritalcommonproperty,jointly held property,or property transferred from such natural personinsuredtosuchspouse.No coverage is provided for any act,error or omission of an estate,heir,legalrepresentativeorspouseoutsidethescopeofsuchperson's capacity as such,provided however that the spouseofanaturalpersonNamedInsuredandthespousesofmembersorpartnersofjointventureorpartnershipNamed Insureds are insureds with respect to such spouses' acts, errors or omissions in the conduct of the NamedInsured's business. D.Fellow Employee First Aid Coverage In the section entitled Who Is An Insured, paragraph 2.a.1. is amended to add the following: The limitations described in subparagraphs 2.a.1.(a),(b)and (c)do not apply to your "employees"for "bodilyinjury"that results from providing cardiopulmonary resuscitation or other first aid services to a co-"employee"or"volunteer worker"that becomes necessary while your "employee"is performing duties in the conduct of yourbusiness.Your "employees"are hereby insureds for such services.But the insured status conferred by thisprovisiondoesnotapplyto"employees"whose duties in your business are to provide professional health careservices or health examinations. E.Personal and Advertising Injury – Discrimination or Humiliation 1.Under Liability and Medical Expenses Definitions,the definition of "Personal and advertising injury"isamended to add the following: h.Discrimination or humiliation that results in injury to the feelings or reputation of a natural person,but onlyif such discrimination or humiliation is: (1)Not done intentionally by or at the direction of: (a)The insured; or (b)Any "executive officer,"director,stockholder,partner,member or manager (if you are a limitedliability company) of the insured; and (2)Not directly or indirectly related to the employment,prospective employment,past employment ortermination of employment of any person or person by any insured. ªH " ( ¢ # u h 2 { 7 ¥ 3  « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 3 3 SB146935E(Ed. 10-19) SB146935E (Ed. 10-19)Page 4 of 4 Copyright, CNA All Rights Reserved. 2.Under B.Exclusions,1.Applicable to Business Liability Coverage,the exclusion entitled Personal andAdvertising injury is amended to add the following additional exclusions: (15)Discrimination Relating to Room, Dwelling or Premises Caused by discrimination directly or indirectly related to the sale, rental, lease or sub-lease or prospectivesale, rental, lease or sub-lease of any room, dwelling or premises by or at the direction of any insured. (16)Employment Related Discrimination Discrimination or humiliation directly or indirectly related to the employment,prospective employment,past employment or termination of employment of any person by any insured. (17)Fines or Penalties Fines or penalties levied or imposed by a governmental entity because of discrimination. 3.This provision (Personal and Advertising Injury –Discrimination or Humiliation)does not apply ifPersonalandAdvertisingInjuryLiabilityisexcludedeitherbytheprovisionsofthePolicyorbyendorsement. F.Personal and Advertising Injury - Broadened Eviction Under Liability and Medical Expenses Definitions,the definition of "Personal and advertising injury"isamended to delete Paragraph c. and replace it with the following: c.The wrongful eviction from,wrongful entry into,or invasion of the right of private occupancy of a roomdwellingorpremisesthatapersonororganizationoccupiescommittedbyoronbehalfofitsowner,landlordor lessor. G.Waiver of Subrogation – Blanket We waive any right of recovery we may have against: 1.Any person or organization with whom you have a written contract that requires such a waiver. H.Additional Insured – Extended Coverage When an additional insured is added by this or any other endorsement attached to this Coverage Part,the sectionentitled Who Is An Insured is amended to make the following natural persons insureds: If the additional insured is: 1.An individual, then his or her spouse is an insured; 2.A partnership or joint venture, then its partners, members and their spouses are insureds; 3.A limited liability company, then its members and managers are insureds; 4.An organization other than a partnership,joint venture or limited liability company,then its executive officers,directors and shareholders are insureds; or 5.Any type of entity, then its employees are insureds; but only with respect to locations and operations covered by the additional insured endorsement's provisions, andonly with respect to their respective roles within their organizations. Furthermore, employees of additionalinsureds are not insureds with respect to liability arising out of: (1)"Bodily injury"or "personal and advertising injury"to any fellow employee or to any natural person listedin paragraphs 1. through 4. above; (2)"Property damage" to property owned, occupied or used by their employer or by any fellow employee; or (3)Providing or failing to provide professional health care services. All other terms and conditions of the Policy remain unchanged. SB-146936-A(Ed. 01/06) SB-146936-A Page 1 of 1(Ed. 01/06) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. INFLATION GUARD This endorsement modifies insurance provided under the following: BUSINESSOWNERS SPECIAL PROPERTY COVERAGE FORM The following coverage is added to your BusinessownersSpecial Property Coverage Form: Inflation Guard 1.The limit of Insurance for Building will beincreasedbytheannualpercentageshownintheDeclarations, if you choose this optional coverage. The limit of Insurance for Business PersonalPropertywillbeincreasedbytheannualpercentageshownintheDeclarations,if youchoose this optional coverage. 2.The amount of increase will be: a.The limit that applied on the most recent ofthepolicyinceptiondate,the policyanniversarydate,or any other policy changeamending the limit; times b.The percentage of annual increase shown intheDeclarations,expressed as a decimal(example: 5% is .05); times c.The number of days since the beginning ofthecurrentpolicyyearortheeffectivedateofthemostrecentpolicychangeamendingthelimit, divided by 365. Example: If: the applicable limit is $100,000. The annual increase is 5%. The number of days since the beginning ofthe policy year (or last policy change) is 146. The amount of increase is: $100,000 x .05 x 146 / 365 = $2,000. HIJKLMN ªH " ( ¢ # u h 2 { 7 ¥ 4 % « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 3 4 SB-146975-B(Ed. 11-18) SB-146975-B (11-18)Page 1 of 1 Copyright CNA All Rights Reserved. LIMITED EXCLUSION – RESIDENTIAL PROPERTY This endorsement modifies insurance provided under the following: BUSINESSOWNERS LIABILITY COVERAGE FORM The following exclusion is added to B.1. Exclusions Applicable To Business Liability Coverage: This insurance does not apply to: "Property damage"arising out of "construction"operations,whether ongoing operations or included in the"products/completed operations hazard,"if the "construction"operations involve structure(s)where more than 30%of thesquare footage of the structure(s), including any associated common areas, consist of residential housing. However, this exclusion does not apply to: 1."construction"operations performed at a single residence for the owner of that residence.For the purpose of thisprovision,the owner of a share in cooperative housing will be considered the owner of the unit s/he occupies orcontrols; 2."construction"operations performed at the following types of buildings when there is no individual or cooperativeownershipofunits:apartment buildings,military housing,college/university housing or dormitories,long term carefacilities, hotels, motels, hospitals or prisons; or 3.service,repair or maintenance work.But this exception 3.does not apply to "major rehabilitation projects,"unlesssuch projects qualify for exception 1. or 2. above. As used in this endorsement: •"Construction"means any and all aspects of the erection or demolition of structures,including but not limited todesign,specifications,planning,building,materials,supervision or observation of construction."Construction"alsoincludes new construction, conversion, reconstruction, rehabilitation, renovation, remodeling, repair or maintenance. • "Major rehabilitation project" means: 1.Replacement of one or more major building systems,including,but not limited to HVAC (heating,ventilation or airconditioning), plumbing, electrical, structural or building envelope systems. 2.Replacement of a roof, or of the doors in more than one entryway, or of the windows in more than two rooms. 3.Projects where 10% or more of the housing units were, are, or will be vacant at any point during the project due tothe project. 4.Projects where the total cost of repair or replacement,when complete,can reasonably be expected to exceed15% of the total market value of the structures where the work is performed. All other terms and conditions of the Policy remain unchanged. HIJKLMN All ongoing operations in the state of NY SB-147043-A(Ed. 03/06) SB-147043-A Page 1 of 1(Ed. 03/06)Copyright, Insurance Services Office, Inc., 1986 (Version 1.0) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION – DESIGNATED WORK This endorsement modifies insurance provided under the following: BUSINESSOWNERS LIABILITY COVERAGE FORM SCHEDULE Description of your work: (If no entry appears above,information required to complete this endorsement will be shown in the Declarations asapplicable to this endorsement.) This insurance does not apply to "bodily injury"or "property damage"included in the "products-completed operationshazard" and arising out of "your work" shown in the Schedule. HIJKLMN ªH " ( ¢ # u h 2 { 7 ¥ 5 2 « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 3 5 SB-147075-A(Ed. 01/06) SB-147075-A Page 1 of 1(Ed. 01/06) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ECONOMIC AND TRADE SANCTIONS CONDITION The following condition is added to the COMMON POLICYCONDITIONS: ECONOMIC AND TRADE SANCTIONS CONDITION In accordance with laws and regulations of the UnitedStatesconcerningeconomicandtradeembargoes,thispolicy is void ab initio (void from its inception)with respectto any term or condition of this policy that violates any lawsorregulationsoftheUnitedStatesconcerningeconomicandtradeembargoesincluding,but not limited to thefollowing: 1.Any insured,or any person or entity claiming thebenefitsofaninsured,who is or becomes a SpeciallyDesignatedNationalorBlockedPersonorwhoisotherwise subject to U.S. economic or trade sanctions; 2.Any claim or "suit"that is brought in a SanctionedCountryorbyaSanctionedCountryGovernment,where any action in connection with such claim or suitis prohibited by U.S. economic or trade sanctions; 3.Any claim or "suit"that is brought by any SpeciallyDesignatedNationalorBlockedPersonoranypersonorentitywhoisotherwisesubjecttoU.S.economic ortrade sanctions; 4.Property that is located in a Sanctioned Country or thatisownedby,rented to or in the care,custody orcontrolofaSanctionedCountryGovernment,whereany activities related to such property are prohibited byU.S. economic or trade sanctions; or 5.Property that is owned by,rented to or in the care,custody or control of a Specially Designated NationalorBlockedPerson,or any person or entity who isotherwise subject to U.S. economic or trade sanctions. As used in this endorsement a Specially DesignatedNationalorBlockedPersonisanypersonorentitythatisonthelistofSpeciallyDesignatedNationalsandBlockedPersonsissuedbytheU.S.Treasury Department's OfficeofForeignAssetControl(O.F.A.C.)as it may be from timeto time amended. As used in this endorsement a Sanctioned Country is anycountry that is the subject of trade or economic embargoesimposedbythelawsorregulationsoftheUnitedStatesofAmerica. HIJKLMN SB-147079-A(Ed. 01/06) SB-147079-A Includes copyrighted material of Insurance Services Office, Inc., with its permission.Page 1 of 1(Ed. 01/06)Copyright, Insurance Services Office, Inc., 2003 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. WAR LIABILITY EXCLUSION This endorsement modifies insurance provided under the following: BUSINESSOWNERS LIABILITY COVERAGE FORM I.The following provisions are added to the BusinessLiability Coverage Forms: A.War Exclusion i.under Paragraph B.1.,Exclusions –Applicable to Business LiabilityCoverage is replaced by the following: This insurance does not apply to War. "Bodily injury,""property damage,""personal andadvertisinginjury,"however caused,arising,directly or indirectly, out of: (1)War, including undeclared or civil war; or (2)Warlike action by a military force,includingactioninhinderingordefendingagainstanactual or expected attack, by any government, sovereign or other authority using militarypersonnel or other agents; or (3)Insurrection,rebellion,revolution,usurpedpower,or action taken by governmentalauthority in hindering or defending against anyof these. II.The following provision is added to the BusinessLiability Coverage Form: A.Exclusion h.under Paragraph B.2.,Exclusions –Applicable To Medical Expenses Coveragedoesnotapply.Medical Expenses due to war arenowsubjecttoExclusiong.of Paragraph B.2.,since "bodily injury"arising out of war is nowexcludedunderParagraphB.1.,Exclusions –Applicable To Business Liability Coverage. HIJKLMN ªH " ( ¢ # u h 2 { 7 ¥ 6 ? « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 3 6 SB147080B(Ed. 10-19) SB147080B (Ed. 10-19)Page 1 of 1 Copyright, CNA All Rights Reserved. EXCLUSION – SILICA This endorsement modifies insurance provided under the following: BUSINESSOWNERS LIABILITY COVERAGE FORM A.The following exclusion is added to Section B.1. EXCLUSIONS – Applicable to Business Liability Coverage: This insurance does not apply to: Silica (1)"Bodily injury"arising in whole or in part out of the actual,alleged or threatened respiration or ingestion at anytime of "silica"; (2)"Property damage" arising in whole or in part out of the actual, alleged or threatened presence of "silica;" or (3)"Personal and advertising injury"arising in whole or in part out of the actual,alleged or threatened exposure atany time to or the presence of "silica." B.The following definition is added: "Silica" means the chemical compound silicon dioxide (SiO2) in any form, including dust which contains "silica." HIJKLMN SB-147082-E(Ed. 04/14) SB-147082-E Page 1 of 3(Ed. 04/14)Includes copyrighted material of Insurance Services Office, Inc., with its permission BUSINESSOWNERS COMMON POLICY CONDITIONS All Coverage Parts included in this policy are subject to the following conditions: A.Cancellation 1.The first Named Insured shown in theDeclarationsmaycancelthispolicybymailingordeliveringtousadvancewrittennoticeofcancellation. 2.We may cancel this policy by mailing or deliveringtothefirstNamedInsuredwrittennoticeofcancellation at least: a.5 days before the effective date ofcancellationifanyoneofthefollowingconditionsexistsatanybuildingthatisCovered Property in this policy. (1)The building has been vacant orunoccupied60ormoreconsecutivedays.This does not apply to: (a)Seasonal unoccupancy; or (b)Buildings in the course ofconstruction, renovation or addition. Buildings with 65%or more of the rentalunitsorfloorareavacantorunoccupiedareconsideredunoccupiedunderthisprovision. (2)After damage by a covered cause of loss,permanent repairs to the building: (a)Have not started, and (b)Have not been contracted for, within 30 days of initial payment of loss. (3)The building has: (a)An outstanding order to vacate; (b)An outstanding demolition order; or (c)Been declared unsafe bygovernmental authority. (4)Fixed and salvageable items have beenorarebeingremovedfromthebuildingandarenotbeingreplaced.This does notapplytosuchremovalthatisnecessaryorincidentaltoanyrenovationorremodeling. (5)Failure to: (a)Furnish necessary heat,water,sewerserviceorelectricityfor30consecutivedaysormore,exceptduringaperiodofseasonalunoccupancy; or (b)Pay property taxes that are owingandhavebeenoutstandingformorethanoneyearfollowingthedatedue,except that this provision will notapplywhereyouareinabonafidedisputewiththetaxingauthorityregarding payment of such taxes. b.10 days before the effective date ofcancellationifwecancelfornonpaymentofpremium. c.30 days before the effective date ofcancellation if we cancel for any other reason. 3.We will mail or deliver our notice to the firstNamedInsured's last mailing address known tous. 4.Notice of cancellation will state the effective dateofcancellation.The policy period will end on thatdate. 5.If this policy is cancelled,we will send the firstNamedInsuredanypremiumrefunddue.If wecancel,the refund will be pro rata.If the firstNamedInsuredcancels,the refund may be lessthanprorata.The cancellation will be effectiveeven if we have not made or offered a refund. 6.If notice is mailed,proof of mailing will besufficient proof of notice. B.Changes This policy contains all the agreements between youandusconcerningtheinsuranceafforded.The firstNamedInsuredshownintheDeclarationsisauthorizedtomakechangesinthetermsofthispolicywithourconsent.This policy's terms can be amendedorwaivedonlybyendorsementissuedbyusandmade a part of this policy. C.Concealment, Misrepresentation Or Fraud This policy is void in any case of fraud by you as itrelates to this policy at any time. It is also void if you oranyotherinsured,at any time,intentionally conceal ormisrepresent a material fact concerning: 1.This policy; 2.The Covered Property; 3.Your interest in the Covered Property; or 4.A claim under this policy. D.Examination Of Your Books And Records We may examine and audit your books and records astheyrelatetothispolicyatanytimeduringthepolicyperiod and up to three years afterward. HIJKLMN ªH " ( ¢ # u h 2 { 7 ¥ 7 L « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 3 7 SB-147082-E(Ed. 04/14) SB-147082-E Page 2 of 3(Ed. 04/14)Includes copyrighted material of Insurance Services Office, Inc., with its permission E.Inspections And Surveys We have the right but are not obligated to: 1.Make inspections and surveys at any time; 2.Give you reports on the conditions we find; and 3.Recommend changes. Any inspections,surveys,reports or recommendationsrelateonlytoinsurabilityandthepremiumstobecharged.We do not make safety inspections.We donotundertaketoperformthedutyofanypersonororganizationtoprovideforthehealthorsafetyofworkersorthepublic.And we do not warrant thatconditions: 1.Are safe or healthful; or 2.Comply with laws,regulations,codes orstandards. This condition applies not only to us,but also to anyrating,advisory,rate service or similar organizationwhichmakesinsuranceinspections,surveys,reportsor recommendations. F.Insurance Under Two Or More Coverages If two or more of this policy's coverages apply to thesamelossordamage,we will not pay more than theactual amount of the loss or damage. G.Liberalization If, during your policy period, we adopt any revision thatwouldbroadenthecoverageunderthispolicywithoutadditionalpremiumthebroadenedcoveragewillimmediatelyapplytothispolicy.The broadenedcoveragewillalsoapplytotherenewalofthispolicyifsuchrenewalwasinprocessorwasmailedpriortothe date we adopted such revision. H.Other Insurance 1.If you have other insurance covering the sameloss or damage,we will pay only for the amount ofcoveredlossordamageinexcessoftheamountduefromthatotherinsurance,whether you cancollectonitornot.But we will not pay more thanthe applicable Limit of Insurance. 2.Business Liability Coverage is excess over: a.Any other insurance that insures for directphysical loss or damage; or b.Any other primary insurance available to youcoveringliabilityfordamagesarisingoutofthe premises or operations for which you havebeen added as an additional insured. 3.When this insurance is excess,we will have nodutyunderBusinessLiabilityCoveragetodefendanyclaimor"suit"that any other insurer has adutytodefend.If no other insurer defends,we will undertake to do so;but we will be entitled to theinsured's rights against all those other insurers. I.Premiums 1.The first Named Insured shown in theDeclarations: a.Is responsible for the payment of allpremiums; and b.Will be the payee for any return premiums wepay. 2.The premium shown in the Declarations wascomputedbasedonratesineffectatthetimethepolicywasissued.On each renewal,continuationoranniversaryoftheeffectivedateofthispolicy,we will compute the premium in accordance withour rates and rules then in effect. 3.With our consent,you may continue this policy inforcebypayingacontinuationpremiumforeachsuccessiveone-year period.The premium mustbe: a.Paid to us prior to the anniversary date; and b.Determined in accordance with Paragraph 2.above. Our forms then in effect will apply.If you do notpaythecontinuationpremium,this policy willexpireonthefirstanniversarydatethatwehavenot received the premium. 4.Undeclared exposures or change in your businessoperation,acquisition or use of locations mayoccurduringthepolicyperiodthatarenotshownintheDeclarations.If so,we may require anadditionalpremium.That premium will bedeterminedinaccordancewithourratesandrulesthen in effect. J.Premium Audit 1.This policy is subject to audit if the DeclarationsshowanAuditPeriodotherthan'Not Auditable.'We will compute the final premium due when wedetermine your actual exposures. 2.Premium shown in this policy as advancepremium is a deposit premium only. At the close ofeachauditperiodwewillcomputetheearnedpremiumforthatperiod.Audit premiums are dueandpayableonnoticetothefirstNamedInsured.If the sum of the advance and audit premiumspaidforthepolicyperiodisgreaterthantheearnedpremium,we will return the excess to thefirst Named Insured. 3.The first Named Insured must keep records of theinformationweneedforpremiumcomputation,and send us copies at such times as we mayrequest. SB-147082-E(Ed. 04/14) SB-147082-E Page 3 of 3(Ed. 04/14)Includes copyrighted material of Insurance Services Office, Inc., with its permission K.Transfer Of Rights Of Recovery Against Others ToUs 1.Applicable to Businessowners Property Coverage: If any person or organization to or for whom wemakepaymentunderthispolicyhasrightstorecoverdamagesfromanother,those rights aretransferredtoustotheextentofourpayment.That person or organization must do everythingnecessarytosecureourrightsandmustdonothingafterlosstoimpairthem.But you maywaive your rights against another party in writing: a.Prior to a loss to your Covered Property. b.After a loss to your Covered Property only if,at time of loss,that party is one of thefollowing: (1)Someone insured by this insurance; (2)A business firm: (a)Owned or controlled by you; or (b)That owns or controls you; or (3)Your tenant. You may also accept the usual bills of lading orshipping receipts limiting the liability of carriers. This will not restrict your insurance. 2.Applicable to Businessowners Liability Coverage: If the insured has rights to recover all or part ofanypaymentwehavemadeunderthispolicy,those rights are transferred to us.The insuredmustdonothingafterlosstoimpairthem.At ourrequest,the insured will bring "suit"or transferthoserightstousandhelpusenforcethem.ThisconditiondoesnotapplytoMedicalExpensesCoverage. L.Transfer Of Your Rights And Duties Under ThisPolicy Your rights and duties under this policy may not betransferredwithoutourwrittenconsentexceptinthecase of death of an individual Named Insured. If you die,your rights and duties will be transferred toyourlegalrepresentativebutonlywhileactingwithinthescopeofdutiesasyourlegalrepresentative.Untilyourlegalrepresentativeisappointed,anyone havingpropertemporarycustodyofyourpropertywillhaveyourrightsanddutiesbutonlywithrespecttothatproperty. ªH " ( ¢ # u h 2 { 7 ¥ 8 Y « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 3 8 SB147083C(Ed. 10-19) SB147083C (Ed. 10-19)Page 1 of 1 Incorporates materials copyrighted by Insurance Services Office, reprinted with their permission. FUNGI / MOLD / MILDEW / YEAST / MICROBE EXCLUSION This endorsement modifies insurance provided under the following: BUSINESSOWNERS LIABILITY COVERAGE FORM A.The following exclusion is added to SECTION B.1., EXCLUSIONS – Applicable to Business Liability Coverage: This insurance does not apply to: Fungi and Microbes (1)"Bodily injury"or "personal and advertising injury"arising out of or relating to,in whole or in part,the actual,alleged or threatened inhalation of,ingestion of,contact with,exposure to,existence of,or growth or presence ofany"fungi"or "microbes"on or within a building or structure,or on or within any contents of a building orstructure.This exclusion applies regardless of any other cause or event that contributes concurrently or in anysequence to such injury. This exclusion does not apply to: (a)any "fungi"or "microbes"that are,are on,or are contained in,a good or product intended for bodilyconsumption; or (b)"microbes" that were transmitted directly from person to person. (2)Any loss,cost or expense arising out of or relating to the testing for,monitoring,cleaning up,removing,containing,treating,detoxifying,neutralizing,remediating,or disposing of,or in any way responding to orassessing the effects of "fungi" or "microbes" by any insured or by anyone else. (3)"Property damage"arising out of or relating to the actual,alleged or threatened contact with,exposure to,existence of,or growth or presence of any "fungi"or "microbes"on or within a building or structure,or on orwithin any contents of a building or structure. B.The following definitions are added to SECTION F., Liability and Medical Expenses Definitions: "Fungi"means any form of fungus,including but not limited to,yeast,mold,mildew,rust,smut or mushroom,andincludinganyspores,mycotoxins,odors,or any other substances,products,or byproducts produced by,released by,or arising out of the current or past presence of fungi. "Microbe(s)"means any non-fungal microorganism or non-fungal,colony-form organism that causes infection ordisease."Microbe"includes any spores,mycotoxins,odors,or any other substances,products,or byproductsproduced by, released by, or arising out of the current or past presence of microbes. HIJKLMN SB-147084-C04(Ed. 04-12) SB-147084-C04 (Ed. 04-12)Page 1 of 2 Copyright, CNA All Rights Reserved. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CALIFORNIA FUNGI, WET ROT, DRY ROT AND MICROBEEXCLUSION/LIMITED COVERAGE This endorsement modifies insurance provided under the following: BUSINESSOWNERS SPECIAL PROPERTY COVERAGE FORM A.Section B.1.,EXCLUSIONS,is amended to add thefollowing provision: m.Fungi, Wet Rot, Dry Rot and Microbes Presence,growth,proliferation,spread or any activityof "fungi," wet or dry rot, or "microbes." This exclusion does not apply when "fungi,"wet or dryrot or "microbes" result from fire or lightning. B.Section B.2.d.,Subsections (2)and (7),EXCLUSIONS/Other Types of Loss, are deleted in itsentirety and replaced as follows: (2)Rust,or other corrosion,decay,deterioration,hidden or latent defect or any quality in propertythat causes it to damage or destroy itself; (7)The following causes of loss: (a)Dampness or dryness of atmosphere; (b)Changes in or extremes of temperature; or (c)Marring or scratching. C.The following is added to Section A.Coverage,Paragraph 5. of the Additional Coverages section: Additional Coverage –Limited Coverage for"Fungus," Wet Rot, Dry Rot and Microbes 1.The coverage described below in paragraphs C.2.and C.6.of this Limited Coverage endorsementonlyapplieswhenthe"fungus,"wet or dry rot ormicrobesistheresultofCoveredCausesofLossotherthanfireorlightningthatoccurduringthepolicyperiodandonlyifallreasonablemeanswereusedtosaveandpreservethepropertyfromfurtherdamageatthetimeofandafterthatoccurrence. 2.We will pay for loss or damage by "fungus,"wet ordryrotormicrobes.As used in this LimitedCoverage, the term loss or damage means: a.Direct physical loss or damage to CoveredPropertycausedby"fungus,"wet or dry rot ormicrobes,including the cost of removal of the"fungus," wet or dry rot or microbes. b.The cost to tear out and replace any part ofthebuildingorotherpropertyasneededtogainaccesstothe"fungus,"wet or dry rot ormicrobes; and c.The cost of testing performed after removal,repair,replacement or restoration of thedamagedpropertyiscompleted,providedthereisareasontobelievethat"fungus,"wetor dry rot or microbes are present. 3.The coverage described under paragraph C.2.ofthisLimitedCoverageendorsementislimitedto$25,000,unless a different limit is shown in theDeclarations.Regardless of the number of claims,this limit is the most we will pay for the total of alllossordamagearisingoutofalloccurrencesofCoveredCausesofLoss(other than fire orlightning)which take place in a 12 month period(starting with the beginning of the present annualpolicyperiod).With respect to a particularoccurrenceoflosswhichresultsin"fungus,"wetor dry rot or microbes,we will not pay more than atotalof$25,000 (unless a different limit is shownintheDeclarations),even if the "fungus,"wet ordryrotormicrobescontinuestobepresentoractive, or recurs, in a later policy period. 4.The coverage provided under this LimitedCoveragedoesnotincreasetheapplicableLimitofInsuranceonanyCoveredProperty.If aparticularoccurrenceresultsinlossordamageby"fungus,"wet or dry rot or microbes,and otherlossordamage,we will not pay more,for the totalofalllossordamage,than the applicable Limit ofInsurance on the affected Covered Property. If there is covered loss or damage to CoveredProperty,not caused by "fungus,"wet or dry rot ormicrobes,loss payment will not be limited by thetermsofthisLimitedCoverage,except to theextentthat"fungus,"wet or dry rot or microbescausesanincreaseintheloss.Any such increaseinthelosswillbesubjecttothetermsofthisLimited Coverage. 5.The terms of this Limited Coverage do notincreaseorreducethecoverageprovidedundertheAdditionalCoveragesSectionoftheSpecialProperty Coverage Forms. 6.The following paragraphs,6.a.or 6.b.applies tothe Business Income and Extra Expense coverageandonlyifthesuspension(slowdown orcessation)of "operations"satisfies all terms andconditionsoftheapplicableBusinessIncomeand HIJKLMN ªH " ( ¢ # u h 2 { 7 ¥ 9 f « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 3 9 SB-147084-C04(Ed. 04-12) SB-147084-C04 (Ed. 04-12)Page 2 of 2 Copyright, CNA All Rights Reserved. Extra Expense coverage.The coverage providedunderthisLimitedCoverageispartofanddoesnotincreasetheapplicableLimitofInsuranceontheBusinessIncomeandExtraExpensecoverage. a.If the loss which resulted in "fungus,"wet ordryrotormicrobesdoesnotinitselfnecessitateasuspensionof"operations,"butsuchsuspensionisnecessaryduetolossordamagetopropertycausedby"fungus,"wetordryrotormicrobes,then our paymentunderBusinessIncomeand/or Extra Expenseislimitedtotheamountoflossand/orexpensesustainedinaperiodofnotmorethan30days.The days need not beconsecutive. b.If a covered suspension of "operations"wascausedbylossordamageotherthan"fungus,"wet or dry rot or microbes butremediationof"fungus,"wet or dry rot ormicrobesprolongsthe"period of restoration,"we will pay for loss and/or expense sustainedduringthedelay(regardless of when such adelayoccursduringthe"period ofrestoration"),but such coverage is limited to30 days. The days need not be consecutive. D.Under this policy,we will not pay under the Ordinanceor Law Coverage for: 1.Loss or expense sustained due to theenforcementofanyordinanceorlawwhich requires the demolition,repair,replacement,reconstruction,remodeling or remediation ofproperty due to the presence, growth,proliferation,spread or any activity of "fungus,"wet or dry rot ormicrobes; or 2.The costs associated with the enforcement of anyordinanceorlawwhichrequiresanyinsuredorotherstotestfor,monitor,clean up,remove,contain,treat,detoxify or neutralize,or in any wayrespondto,or assess the effects of "fungus,"wetor dry rot or microbes. E.Section G.,DEFINITIONS,is amended to add thefollowing two (2) definitions: "Fungi"means any form of fungus,including but notlimitedto,yeast,mold,mildew,rust,smut ormushroom,and including any spores,mycotoxins,odors,or any other substances,products,orbyproductsproducedby,released by,or arising out ofthecurrentorpastpresenceof"fungi."But "fungi"does not include any "fungi"intended by the insuredfor consumption. "Microbe(s)"means any non-fungal micro-organismornon-fungal,colony-form organism that causesinfectionordisease."Microbe"includes any spores,mycotoxins,odors,or any other substances,products,or byproducts produced by,released by,or arising outof the current or past presence of "microbes." All other terms and conditions of the Policy remain unchanged. SB-147086-B(Ed. 04/10) SB-147086-B Page 1 of 2(Ed. 04/10) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. LOSS PAYABLE CLAUSES This endorsement modifies insurance provided under the following: BUSINESSOWNERS POLICY SCHEDULE* Provision ApplicablePrem.Description Loss Payee (Indicate ParagraphNo.of Property (Name & Address)A, B, C or D) REFER TO LOSS PAYEE SCHEDULE *Information required to complete this Schedule, if not shown on this endorsement, will be shown in the Declarations. The following is added to the Businessowners SpecialProperty Coverage Form LOSS PAYMENT Loss Condition,as shown in the Declarations or by an "A,""B""C,"or "D"in the Schedule: A.LOSS PAYABLE CLAUSE For Covered Property in which both you and a LossPayeeshownintheScheduleorintheDeclarationshave an insurable interest, we will: 1.Adjust losses with you; and 2.Pay any claim for loss or damage jointly to youand the Loss Payee, as interests may appear. B.LENDER'S LOSS PAYABLE CLAUSE 1.The Loss Payee shown in the Schedule or in theDeclarationsisacreditor(including amortgageholderortrustee)with whom you haveenteredacontractforthesaleofCoveredProperty,whose interest in that Covered Propertyis established by such written contracts as: a.Warehouse receipts; b.A contract for deed; c.Bills of lading; or d.Financing statements. 2.For Covered Property in which both you and aLoss Payee have an insurable interest: a.We will pay for covered loss or damage toeach Loss Payee in their order of precedence,as interests may appear. b.The Loss Payee has the right to receive losspaymenteveniftheLossPayeehasstartedforeclosureforsimilaractionontheCoveredProperty. c.If we deny your claim because of your acts orbecauseyouhavefailedtocomplywiththetermsofthispolicy,the Loss Payee will still have the right to receive loss payment if theLoss Payee: (1)Pays any premium due under this policyat our request if you have failed to do so; (2)Submits a signed,sworn proof of losswithin60daysafterreceivingnoticefromus of your failure to do so; and (3)Has notified us of any change inownership,occupancy or substantialchange in risk known to the Loss Payee. All of the terms of the BusinessownersSpecialPropertyCoverageFormwillthenapply directly to the Loss Payee. d.If we pay the Loss Payee for any loss ordamageanddenypaymenttoyoubecauseofyouractsorbecauseyouhavefailedtocomply with the terms of this policy: (1)The Loss Payee's rights will betransferredtoustotheextentoftheamount we pay; and (2)The Loss Payee's right to recover the fullamountoftheLossPayee's claim will notbe impaired. At our option,we may pay to the LossPayeethewholeprincipalonthedebtplusanyaccruedinterest.In this event,you will pay your remaining debt to us. 3.If we cancel this policy,we will give written noticeto the Loss Payee at least: a.10 days before the effective date ofcancellationifwecancelforyournonpaymentof premium; or b.30 days before the effective date ofcancellation if we cancel for any other reason. HIJKLMN ªH " ( ¢ # u h 2 { 8 ¥ 0 c « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 4 0 SB-147086-B(Ed. 04/10) SB-147086-B Page 2 of 2(Ed. 04/10) 4.If we do not renew this policy,we will give writtennoticetotheLossPayeeatleast10daysbeforethe expiration date of this policy. C.CONTRACT OF SALE CLAUSE 1.The Loss Payee shown in the Schedule or in theDeclarationsisapersonororganizationyouhaveenteredacontractwithforthesaleofCoveredProperty. 2.For Covered Property in which both you and theLoss Payee have an insurable interest, we will: a.Adjust losses with you; and b.Pay any claim for loss or damage jointly toyouandtheLossPayee,as interests mayappear. 3.The following is added to the OTHERINSURANCEBusinessownersCommonPolicyCondition: For Covered Property that is the subject of acontractofsale,the word "you"includes theLoss Payee. D.BUILDING OWNER LOSS PAYABLE CLAUSE 1.The Loss Payee shown in the Schedule or in theDeclarationsistheownerofthedescribedbuilding, in which you are a tenant. 2.We will adjust losses to the described buildingwiththeLossPayee.Any loss payment made totheLossPayeewillsatisfyyourclaimsagainstusfor the owner's property. 3.We will adjust losses to tenant's improvementsandbettermentswithyou,unless the leaseprovides otherwise. SB-147088-A(Ed. 01/06) SB-147088-A Page 1 of 1(Ed. 01/06) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION – ASBESTOS This endorsement modifies insurance provided under the following: BUSINESSOWNERS POLICY This insurance does not apply to: (1)"Bodily injury","property damage"or "personal andadvertisinginjury"arising out of the actual,alleged orthreatened exposure at any time to asbestos; or (2)Any loss,cost or expense that may be awarded orincurred: (a)by reason of a claim or "suit"for any such injury ordamage; or (b)in complying with a governmental direction orrequesttotestfor,monitor,clean up,remove,contain or dispose of asbestos. Asbestos means the mineral in any form whether or not theasbestos was at any time: (1)airborne as a fiber, particle or dust; (2)contained in, or formed a part of a product,structure orother real or personal property; (3)carried on clothing; (4)inhaled or ingested; or (5)transmitted by any other means. HIJKLMN ªH " ( ¢ # u h 2 { 8 ¥ 1 p « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 4 1 SB-147089-A(Ed. 01/06) SB-147089-A Includes copyrighted material of the Insurance Services Office, Inc., with its permission.Page 1 of 1(Ed. 01/06)Copyright, Insurance Services Office, Inc., 1996 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYMENT – RELATED PRACTICES EXCLUSION This endorsement modifies insurance provided under the following: BUSINESSOWNERS LIABILITY COVERAGE FORM The following exclusion is added to Section B.EXCLUSIONS of the Businessowners Liability CoverageForm: This insurance does not apply to: r.“Bodily injury”or “personal and advertising injury”to: (1)A person arising out of any; (a)Refusal to employ that person; (b)Termination of that person’s employment;or (c)Employment-related practices,policies,acts or omissions,such as coercion,demotion,evaluation,reassignment,discipline,defamation,harassment, humiliation or discrimination directed atthat person; or (2)The spouse,child,parent,brother or sister ofthatpersonasaconsequenceof“bodilyinjury”or “personal and advertising injury”tothatpersonatwhomanyoftheemployment-related practices described in paragraphs (1),(2) or (3) above is directed. This exclusion applies: a.Whether the insured may be liable as anemployer or in any other capacity; and b.To any obligation to share damages with orrepaysomeoneelsewhomustpaydamagesbecause of the injury. HIJKLMN SB-300000-D(Ed. 04/14) SB-300000-D Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 1 of 16(Ed. 04/14) BUSINESSOWNERS LIABILITY COVERAGE FORM Various provisions in this policy restrict coverage.Read the entire policy carefully to determine rights,duties and what isand is not covered. Throughout this policy the words "you"and "your"refer to the Named Insured shown in the Declarations.The words "we,""us" and "our" refer to the company providing the insurance. The word "insured" means any person or organization qualifying as such under Section C. – Who Is An Insured. Other words and phrases that appear in quotation marks have special meaning.Refer to SECTION F –LIABILITYDEFINITIONS. A.Coverages 1.Business Liability (Bodily Injury,PropertyDamage, Personal and Advertising Injury) a.We will pay those sums that the insuredbecomeslegallyobligatedtopayasdamagesbecauseof"bodily injury,""property damage"or "personal and advertising injury"to whichthisinsuranceapplies.We will have the rightanddutytodefendtheinsuredagainstany"suit"seeking those damages.However,wewillhavenodutytodefendtheinsuredagainst any "suit" seeking damages for "bodilyinjury,""property damage"or "personal andadvertisinginjury,"to which this insurancedoesnotapply.We may at our discretion,investigate any "occurrence"or any offenseandsettleanyclaimor"suit"that may result.But: (1)The amount we will pay for damages islimitedasdescribedinSectionD–Liability And Medical Expenses Limits OfInsurance; and (2)Our right and duty to defend ends whenwehaveuseduptheapplicablelimitofinsuranceinthepaymentofjudgmentsorsettlements or medical expenses to whichthis insurance applies. No other obligation or liability to pay sums orperformactsorservicesiscoveredunlessexplicitlyprovidedforunderCoverageExtension – Supplementary Payments. b.This insurance applies: (1)To "bodily injury"and "property damage"only if: (a)The "bodily injury"or "propertydamage"is caused by an"occurrence"that takes place in the"coverage territory"; (b)The "bodily injury"or "propertydamage"occurs during the policyperiod; and (c)Prior to the policy period,no insuredlistedunderParagraphC.1.Who IsAnInsuredandno"employee"authorized by you to give or receivenoticeofan"occurrence"or claim,knew that the "bodily injury"or"property damage"had occurred,inwholeorinpart.If such a listedinsuredorauthorized"employee"knew,prior to the policy period,thatthe"bodily injury"or "propertydamage"occurred,then anycontinuation, change or resumption ofsuch"bodily injury"or "propertydamage"during or after the policyperiodwillbedeemedtohavebeenknown before the policy period. (2)To "personal and advertising injury"caused by an offense arising out of yourbusiness,but only if the offense wascommittedinthe"coverage territory"during the policy period. c."Bodily injury"or "property damage"whichoccursduringthepolicyperiodandwasnot,prior to the policy period,known to haveoccurredbyanyinsuredlistedunderSectionC.1.Who Is An Insured or any "employee"authorized by you to give or receive notice ofan"occurrence"or claim,includes anycontinuation,change or resumption of "bodilyinjury"or "property damage"after the end ofthe policy period. d."Bodily injury"or "property damage"will bedeemedtohavebeenknowntohaveoccurred at the earliest time when any insuredlistedunderSectionC.1.Who Is An Insuredorany"employee"authorized by you to giveor receive notice of an "occurrence" or claim: (1)Reports all,or any part,of the "bodilyinjury"or "property damage"to us or anyother insurer; (2)Receives a written or verbal demand orclaimfordamagesbecauseofthe"bodilyinjury" or "property damage"; or HIJKLMN ªH " ( ¢ # u h 2 { 8 ¥ 2 } « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 4 2 SB-300000-D(Ed. 04/14) SB-300000-D Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 2 of 16(Ed. 04/14) (3)Becomes aware by any other means that"bodily injury"or "property damage"hasoccurred or has begun to occur. e.Damages because of "bodily injury"includedamagesclaimedbyanypersonororganization for care, loss of services or deathresulting at any time from the "bodily injury." f.Coverage Extension –SupplementaryPayments (1)In addition to the Limit of Insurance ofLiabilitywewillpay,with respect to anyclaimweinvestigateorsettle,or any"suit" against an insured we defend: (a)All expenses we incur. (b)Up to $1,000 for cost of bail bondsrequiredbecauseofaccidentsortrafficlawviolationsarisingoutoftheuseofanyvehicletowhichBusinessLiabilityCoveragefor"bodily injury"applies.We do not have to furnishthese bonds. (c)The cost of bonds to releaseattachments,but only for bondamountswithinourLimitofInsurance.We do not have to furnishthese bonds. (d)All reasonable expenses incurred bythe insured at our request to assist usintheinvestigationordefenseoftheclaim or "suit," including actual loss ofearnings up to $250 a day because oftime off from work. (e)All court costs taxed against theinsuredinthe"suit."However,thesepaymentsdonotincludeattorneys'fees or attorney expenses taxedagainst the insured. (f)Prejudgment interest awardedagainsttheinsuredonthatpartofthejudgment we pay. If we make an offertopaytheLimitofInsurance,we willnotpayanyprejudgmentinterestbasedonthatperiodoftimeaftertheoffer. (g)All interest on the full amount of anyjudgmentthataccruesafterentryofthejudgmentandbeforewehavepaid,offered to pay,or deposited incourtthepartofthejudgmentthatiswithin our Limit of Insurance. These payments will not reduce theLimits of Insurance. (2)If we defend an insured against a "suit"and an indemnitee of the insured is alsonamedasapartytothe"suit,"we willdefendthatindemniteeifallofthefollowing conditions are met: (a)The "suit"against the indemniteeseeksdamagesforwhichtheinsuredhasassumedtheliabilityoftheindemniteeinacontractoragreementthatisan"insuredcontract"; (b)This insurance applies to suchliability assumed by the insured; (c)The obligation to defend,or the costofthedefenseof,that indemnitee,has also been assumed by theinsuredinthesame"insuredcontract"; (d)The allegations in the "suit"and theinformationweknowaboutthe"occurrence"are such that no conflictappearstoexistbetweentheinterestsoftheinsuredandtheinterests of the indemnitee: (e)The indemnitee and the insured askus to conduct and control the defenseofthatindemniteeagainstsuch"suit"and agree that we can assign thesamecounseltodefendtheinsuredand the indemnitee; and (f)The indemnitee: (i)Agrees in writing to: i.Cooperate with us in theinvestigation,settlement ordefense of the "suit"; ii.Immediately send us copiesofanydemands,notices,summonses or legal papersreceivedinconnectionwiththe "suit"; iii.Notify any other insurerwhosecoverageisavailableto the indemnitee; and iv.Cooperate with us withrespecttocoordinatingotherapplicableinsuranceavailabletotheindemnitee;and (ii)Provides us with writtenauthorization to: SB-300000-D(Ed. 04/14) SB-300000-D Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 3 of 16(Ed. 04/14) i.Obtain records and otherinformationrelatedtothe"suit"; and ii.Conduct and control thedefenseoftheindemniteeinsuch "suit." (3)So long as the above conditions are met,attorneys'fees incurred by us in thedefenseofthatindemnitee,necessarylitigationexpensesincurredbyusandnecessarylitigationexpensesincurredbytheindemniteeatourrequestwillbepaidasSupplementaryPayments.Notwithstanding the provisions ofParagraph B.1.b.(2) Exclusions in SectionB-EXCLUSIONS,such payments willnotbedeemedtobedamagesfor"bodilyinjury" and "property damage"and will notreduce the limits of insurance. Our obligation to defend an insured'sindemniteeandtopayforattorneys'feesandnecessarylitigationexpensesasSupplementary Payments ends when: (a)We have used up the applicable limitofinsuranceinthepaymentofjudgments or settlements; or (b)The conditions set forth above,or thetermsoftheagreementdescribedinf. above are no longer met. 2.Medical Expenses a.We will pay medical expenses as describedbelowfor"bodily injury"caused by anaccident: (1)On premises you own or rent; (2)On ways next to premises you own orrent; or (3)Because of your operations; provided that: (a)The accident takes place in the"coverage territory"and during thepolicy period; (b)The expenses are incurred andreportedtouswithinoneyearofthedate of the accident; and (c)The injured person submits toexamination,at our expense,byphysiciansofourchoiceasoftenaswe reasonably require. b.We will make these payments regardless offault.These payments will not exceed the applicable Limit of Insurance.We will payreasonable expenses for: (1)First aid administered at the time of anaccident; (2)Necessary medical,surgical,x-ray anddentalservices,including prostheticdevices; and (3)Necessary ambulance,hospital,professional nursing and funeral services. B.Exclusions 1.Applicable To Business Liability Coverage This insurance does not apply to: a.Expected Or Intended Injury "Bodily injury"or "property damage"expectedor intended from the standpoint of the insured.This exclusion does not apply to "bodilyinjury"resulting from the use of reasonableforce to protect persons or property. b.Contractual Liability "Bodily injury"or "property damage"for whichtheinsuredisobligatedtopaydamagesbyreasonoftheassumptionofliabilityinacontractoragreement.This exclusion doesnot apply to liability for damages: (1)That the insured would have in theabsence of the contract or agreement; or (2)Assumed in a contract or agreement thatisan"insured contract,"provided the"bodily injury"or "property damage"occurs subsequent to the execution of thecontractoragreement.Solely for thepurposesofliabilityassumedinan"insured contract,"reasonable attorneyfeesandnecessarylitigationexpensesincurredbyorforapartyotherthananinsuredaredeemedtobedamagesbecauseof"bodily injury"or "propertydamage," provided: (a)Liability to such party for,or for thecostof,that party's defense has alsobeenassumedinthesame"insuredcontract"; and (b)Such attorney fees and litigationexpensesarefordefenseofthatpartyagainstaciviloralternativedisputeresolutionproceedinginwhichdamagestowhichthisinsurance applies are alleged. c.Liquor Liability "Bodily injury"or "property damage"for whichany insured may be held liable by reason of: ªH " ( ¢ # u h 2 { 8 ¥ 3 # « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 4 3 SB-300000-D(Ed. 04/14) SB-300000-D Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 4 of 16(Ed. 04/14) (1)Causing or contributing to the intoxicationof any person; (2)The furnishing of alcoholic beverages to apersonunderthelegaldrinkingageorunder the influence of alcohol; or (3)Any statute,ordinance or regulationrelating to the sale,gift,distribution or useof alcoholic beverages. This exclusion applies even if the claimsallege negligence or other wrongdoing in: (a)The supervision,hiring,employment,training or monitoring of others by aninsured; or (b)Providing or failing to providetransportationwithrespecttoanypersonthat may be under the influence of alcohol This exclusion applies only if you are in thebusinessofmanufacturing,distributing,selling,serving or furnishing alcoholicbeverages. d.Workers' Compensation And Similar Laws Any obligation of the insured under a workers'compensation,disability benefits orunemploymentcompensationlaworanysimilar law. e.Employer's Liability "Bodily Injury" to: (1)An "employee"of the insured arising outof and in the course of: (a)Employment by the insured; or (b)Performing duties related to theconduct of the insured's business; or (2)The spouse,child,parent,brother orsisterofthat"employee"as aconsequence of (1) above. This exclusion applies: (1)Whether the insured may be liable as anemployer or in any other capacity; and (2)To any obligation to share damages withorrepaysomeoneelsewhomustpaydamages because of the injury. This exclusion does not apply to liabilityassumedbytheinsuredunderan"insuredcontract." f.Pollution (1)"Bodily injury"or "property damage"arising out of the actual,alleged orthreatened discharge, dispersal, seepage, migration,release or escape of"pollutants": (a)At or from any premises,site orlocationwhichisorwasatanytimeownedoroccupiedby,or rented orloanedto,any insured.However,thissubparagraph does not apply to: (i)"Bodily injury"if sustained withinabuildingandcausedbysmoke,fumes,vapor or soot fromequipmentusedtoheat,cool ordehumidifythebuildingorequipmentthatisusedtoheatwaterforpersonalusebythebuildingsoccupantsortheirguests; (ii)"Bodily injury"or "propertydamage"for which you may beheld liable, if you are a contractorandtheownerorlesseeofsuchpremises,site or location hasbeenaddedtoyourpolicyasanadditionalinsuredwithrespecttoyourongoingoperationsperformedforthatadditionalinsuredatthatpremises,site orlocationandsuchpremises,siteorlocationisnotandneverwasownedoroccupiedby,or rentedorloanedto,any insured,otherthan that additional insured; or (iii)"Bodily injury"or "propertydamage"arising out of heat,smoke or fumes from a "hostilefire"; (b)At or from any premises,site orlocationwhichisorwasatanytimeusedbyorforanyinsuredorothersforthehandling,storage,disposal,processing or treatment of waste; (c)Which are or were at any timetransported,handled,stored,treated,disposed of,or processed as wasteby or for: (i)Any insured; or (ii)Any person or organization forwhomyoumaybelegallyresponsible; or (d)At or from any premises,site orlocationonwhichanyinsuredoranycontractors or subcontractors workingdirectlyorindirectlyonanyinsured'sbehalfareperformingoperationsifthe"pollutants"are brought on or tothepremises,site or location in SB-300000-D(Ed. 04/14) SB-300000-D Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 5 of 16(Ed. 04/14) connection with such operations bysuchinsured,contractor orsubcontractor.However,thissubparagraph does not apply to: (i)"Bodily injury"or "propertydamage"arising out of theescapeoffuels,lubricants orotheroperatingfluidswhichareneededtoperformthenormalelectrical,hydraulic ormechanicalfunctionsnecessaryfortheoperationof"mobileequipment"or its parts,if suchfuels,lubricants or otheroperatingfluidsescapefromavehiclepartdesignedtohold,store or receive them.Thisexceptiondoesnotapplyifthe"bodily injury"or "propertydamage"arises out of theintentionaldischarge,dispersalorreleaseofthefuels,lubricantsorotheroperatingfluids,or ifsuchfuels,lubricants or otheroperatingfluidsarebroughtonortothepremises,site or locationwiththeintentthattheybedischarged,dispersed orreleasedaspartoftheoperationsbeingperformedbysuchinsured,contractor orsubcontractor; (ii)"Bodily injury"or "propertydamage"sustained within abuildingandcausedbythereleaseofgases,fumes orvaporsfrommaterialsbroughtintothatbuildinginconnectionwithoperationsbeingperformedbyyouoronyourbehalfbyacontractor or subcontractor; or (iii)"Bodily injury"or "propertydamage"arising out of heat,smoke or fumes from a "hostilefire." (e)At or from any premises,site orlocationonwhichanyinsuredoranycontractors or subcontractors workingdirectlyorindirectlyonanyinsured'sbehalfareperformingoperationsifthe operations are to test for,monitor,clean up,remove,contain,treat,detoxify or neutralize,or in any wayrespondto,or assess the effects of,"pollutants." (2)Any loss,cost or expense arising out ofany: a.Request,demand,order or statutoryorregulatoryrequirementthatanyinsuredorotherstestfor,monitor,clean up,remove,contain,treat,detoxify or neutralize,or in any wayrespondto,or assess the effects of,"pollutants"; or b.Claim or "suit"by or on behalf of agovernmentalauthorityfordamagesbecauseoftestingfor,monitoring,cleaning up,removing,containing,treating, detoxifying or neutralizing,orinanywayrespondingto,orassessing the effects of, "pollutants." However,this paragraph does not applytoliabilityfordamagesbecauseof"property damage"that the insured wouldhaveintheabsenceofsuchrequest,demand,order or statutory or regulatoryrequirementorsuchclaimor"suit"by oron behalf of a governmental authority. g.Aircraft, Auto Or Watercraft "Bodily injury"or "property damage"arisingoutoftheownership,maintenance,use orentrustmenttoothersofanyaircraft,"auto"orwatercraftownedoroperatedbyorrentedorloanedtoanyinsured.Use includes operationand "loading or unloading." This exclusion applies even if the claimsallegenegligenceorotherwrongdoinginthesupervision,hiring,employment,training ormonitoringofothersbyaninsured,if the"occurrence"which caused the "bodily injury"or "property damage"involved the ownership,maintenance,use or entrustment to others ofanyaircraft,"auto"or watercraft that is ownedoroperatedbyorrentedorloanedtoanyinsured. This exclusion does not apply to: (1)An aircraft that is: (a)Hired,chartered,or loaned with apaid crew; but (b)Not owned by any insured; (2)A watercraft while ashore on premisesyou own or rent; (3)A watercraft you do not own that is: (a)Less than 51 feet long; and (b)Not being used to carry persons orproperty for a charge; (4)Parking an "auto"on,or on the ways nextto,premises you own or rent,provided ªH " ( ¢ # u h 2 { 8 ¥ 4 0 « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 4 4 SB-300000-D(Ed. 04/14) SB-300000-D Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 6 of 16(Ed. 04/14) the "auto"is not owned by or rented orloaned to you or the insured; (5)Liability assumed under any "insuredcontract"for the ownership,maintenanceor use of aircraft or watercraft; or (6)"Bodily injury"or "property damage"arising out of the operation of any of thefollowing equipment: (a)Cherry pickers and similar devicesmountedonautomobileortruckchassisandusedtoraiseorlowerworkers; and (b)Air compressors,pumps andgenerators,including spraying,welding,building cleaning,geophysical exploration,lighting andwell servicing equipment. h.Mobile Equipment "Bodily injury"or "property damage"arisingout of: (1)The transportation of "mobile equipment"by an "auto"owned or operated by orrented or loaned to any insured; or (2)The use of "mobile equipment"in,orwhileinpracticefor,or while beingpreparedfor,any prearranged racing,speed, demolition or stunting activity. i.War "Bodily injury"or "property damage"due towar,whether or not declared,or any act orconditionincidenttowar.War includes civilwar,insurrection,rebellion or revolution.Thisexclusionappliesonlytoliabilityassumedunder a contract or agreement. j.Professional Services "Bodily injury,""property damage,""personalandadvertisinginjury"caused by therenderingorfailuretorenderanyprofessionalservice. This includes but is not limited to: (1)Legal, accounting or advertising services; (2)Preparing,approving,or failing to prepareorapprovemaps,drawings,opinions,reports,surveys,change orders,designsor specifications; (3)Supervisory,inspection or engineeringservices; (4)Medical,surgical,dental,x-ray or nursingservices treatment, advice or instruction; (5)Any health or therapeutic servicetreatment, advice or instruction; (6)Any service,treatment,advice orinstructionforthepurposeofappearanceorskinenhancement,hair removal orreplacement or personal grooming; (7)Optometry or optical or hearing aidservicesincludingtheprescribing,preparation,fitting,demonstration ordistributionofophthalmiclensesandsimilar products or hearing aid devices; (8)Body piercing services; (9)Services in the practice of pharmacy; (10)Veterinary medicine services; (11)Mortician services; and (12)Services rendered in connection with thecreationand/or development,modification,or repair of "software,"including,but not limited to design,specifications,system or "software"configuration and consultation. This exclusion applies even if the claimsallegenegligenceorotherwrongdoinginthesupervision,hiring,employment,training ormonitoringofothersbyaninsured,if the"occurrence"which caused the "bodily injury"or "property damage,"or the offense whichcausedthe"personal and advertising injury,"involved the rendering or failure to render anyprofessional service. k.Damage To Property "Property damage" to: (1)Property you own,rent or occupy,including any costs or expenses incurredbyyou,or any other person,organizationorentity,for repair,replacement,enhancement,restoration or maintenanceofsuchpropertyforanyreason,includingpreventionofinjurytoapersonordamage to another's property; (2)Premises you sell,give away or abandon,if the "property damage"arises out of anypart of those premises; (3)Property loaned to you; (4)Personal property in the care,custody orcontrol of the insured; (5)That particular part of real property onwhichyouoranycontractororsubcontractorworkingdirectlyorindirectlyonyourbehalfisperformingoperations,if the "property damage"arises out of those operations; or SB-300000-D(Ed. 04/14) SB-300000-D Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 7 of 16(Ed. 04/14) (6)That particular part of any property thatmustberestored,repaired or replacedbecause"your work"was incorrectlyperformed on it. Paragraphs (1),(3)and (4)of this exclusiondonotapplyto"property damage"(other thandamagebyfireorexplosion)to premises,including the contents of such premises,rented to you for a period of 7 or fewerconsecutivedays.A separate limit ofinsuranceappliestoDamageToPremisesRentedToYouasdescribedinParagraphD.Liability And Medical Expenses Limit OfInsurance. Paragraph (2)of this exclusion does not applyifthepremisesare"your work"and wereneveroccupied,rented or held for rental byyou. Paragraphs (3),(4),(5)and (6)of thisexclusiondonotapplytoliabilityassumedunder a sidetrack agreement. Paragraph (6)of this exclusion does not applyto"property damage"included in the"products – completed operations hazard." l.Damage To Your Product "Property damage"to "your product"arisingout of it or any part of it. m.Damage To Your Work "Property damage"to "your work"arising outofitoranypartofitandincludedinthe"products – completed operations hazard." This exclusion does not apply if the damagedworkortheworkoutofwhichthedamageariseswasperformedonyourbehalfbyasubcontractor. n.Damage To Impaired Property Or PropertyNot Physically Injured "Property damage"to "impaired property"orpropertythathasnotbeenphysicallyinjured,arising out of: (1)A defect,deficiency,inadequacy ordangerousconditionin"your product"or"your work"; or (2)A delay or failure by you or anyone actingonyourbehalftoperformacontractoragreement in accordance with its terms. This exclusion does not apply to the loss ofuseofotherpropertyarisingoutofsuddenandaccidentalphysicalinjuryto"yourproduct" or "your work" after it has been put toits intended use. o.Recall Of Products,Work Or ImpairedProperty Damages claimed for any loss,cost orexpenseincurredbyyouorothersforthelossofuse,withdrawal,recall,inspection,repair,replacement,adjustment,removal or disposalof: (1)"Your product"; (2)"Your work"; or (3)"Impaired property"; if such product,work or property is withdrawnor recalled from the market or from use by anypersonororganizationbecauseofaknownorsuspecteddefect,deficiency,inadequacy ordangerous condition in it. p.Personal And Advertising Injury "Personal and advertising injury": (1)Caused by or at the direction of theinsuredwiththeknowledgethattheactwouldviolatetherightsofanotherandwouldinflict"personal and advertisinginjury"; (2)Arising out of oral or written publication ofmaterial,if done by or at the direction ofthe insured with knowledge of its falsity; (3)Arising out of oral or written publication ofmaterial whose first publication took placebefore the beginning of the policy period; (4)Arising out of a criminal act committed byor at the direction of any insured; (5)For which the insured has assumedliabilityinacontractoragreement.Thisexclusiondoesnotapplytoliabilityfordamagesthattheinsuredwouldhaveinthe absence of the contract or agreement; (6)Arising out of a breach of contract,exceptanimpliedcontracttouseanother'sadvertising idea in your "advertisement"; (7)Arising out of the failure of goods,products or services to conform with anystatementofqualityorperformancemadein your "advertisement"; (8)Arising out of the wrong description of thepriceofgoods,products or servicesstated in your "advertisement"; (9)Committed by an insured whose businessis: (a)Advertising,broadcasting,publishingor telecasting; ªH " ( ¢ # u h 2 { 8 ¥ 5 = « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 4 5 SB-300000-D(Ed. 04/14) SB-300000-D Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 8 of 16(Ed. 04/14) (b)Designing or determining content ofweb-sites for others; or (c)An Internet search,access,contentor service provider. However,this exclusion does not apply toParagraphs14.a.,b.and c.of "personalandadvertisinginjury"under ParagraphF.Liability And Medical ExpensesDefinitions. For the purposes of this exclusion,theplacingofframes,borders or links,oradvertising,for you or others anywhereon the Internet, by itself,is not consideredthebusinessofadvertising,broadcasting,publishing or telecasting. (10)Arising out of the actual,alleged orthreatened discharge, dispersal, seepage,migration,release or escape of"pollutants" at any time. (11)With respect to any loss,cost or expensearising out of any: (a)Request,demand or order that anyinsuredorotherstestfor,monitor,clean-up,remove,contain,treat,detoxify or neutralize or in any wayrespondto,or assess the effects of,"pollutants"; or (b)Claim or "suit"by or on behalf of agovernmentalauthorityfordamagesbecauseoftestingfor,monitoring,cleaning up,removing,containing,treating,detoxifying or neutralizing orinanywayrespondingto,orassessing the effects of, "pollutants." (12)Arising out of an electronic chatroom orbulletinboardtheinsuredhosts,owns orover which the insured exercises control. (13)Arising out of the infringement ofcopyright,patent,trademark,trade secretor other intellectual property rights. However,this exclusion does not apply toinfringement,in your "advertisement,"ofcopyright, trade dress or slogan. (14)Arising out of the unauthorized use ofanother's name or product in your e-mailaddress,domain name or metatags,oranyothersimilartacticstomisleadanother's potential customers. Exclusions c.,d.,e.,f.,g.,h.,i.,k.,l.,m.,n.and o.in Section II –Liability do not apply todamagebyfireorexplosiontopremiseswhilerentedtoyou,or temporarily occupied by youwithpermissionoftheowner.A separate Damage To Premises Rented To You Limit ofInsuranceappliestothiscoverageasdescribedinParagraphD.Liability AndMedical Expenses Limits of Insurance. q.Electronic Data Damages arising out of the loss of, loss of useof,damage to,corruption of,inability toaccess,or inability to manipulate electronicdata. As used in this exclusion,electronic datameansinformation,facts or programs storedasoron,created or used on,or transmitted toorfromcomputersoftware,including systemsandapplicationssoftware,hard or floppydisks,CD-ROMs,tapes,drives,cells,dataprocessingdevicesoranyothermediawhichareusedwithelectronicallycontrolledequipment. 2.Applicable To Medical Expenses Coverage We will not pay expenses for "bodily injury": a.To any insured, except "volunteer workers." b.To a person hired to do work for or on behalfof any insured or a tenant of any insured. c.To a person injured on that part of premisesyouownorrentthatthepersonnormallyoccupies. d.To a person,whether or not an "employee"ofanyinsured,if benefits for the "bodily injury"are payable or must be provided under aworkers'compensation or disability benefitslaw or a similar law. e.To a person injured while taking part inathletics. f.Included within the "products –completedoperations hazard." g.Excluded under Business Liability Coverage. h.Due to war,whether or not declared,or anyactorconditionincidenttowar.War includescivil war, insurrection, rebellion or revolution. 3.Applicable To Both Business Liability CoverageAndMedicalExpensesCoverage–NuclearEnergy Liability Exclusion This insurance does not apply: a.Under Business Liability Coverage,to "bodilyinjury" or "property damage": (1)With respect to which an insured underthepolicyisalsoaninsuredunderanuclearenergyliabilitypolicyissuedbytheNuclearEnergyLiabilityInsuranceAssociation,Mutual Atomic Energy SB-300000-D(Ed. 04/14) SB-300000-D Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 9 of 16(Ed. 04/14) Liability Underwriters or NuclearInsuranceAssociationofCanada,orwouldbeaninsuredunderanysuchpolicybutforitsterminationuponexhaustion of its limit of liability; or (2)Resulting from the "hazardous properties"of "nuclear material"and with respect towhich: (a)Any person or organization isrequiredtomaintainfinancialprotectionpursuanttotheAtomicEnergyActof1954,or any lawamendatory thereof; or (b)The insured is,or had this policy notbeenissuedwouldbe,entitled toindemnityfromtheUnitedStatesofAmerica,or any agency thereof,under any agreement entered into bytheUnitedStatesofAmerica,or anyagencythereof,with any person ororganization. b.Under Medical Expenses Coverage,toexpensesincurredwithrespectto"bodilyinjury"resulting from the "hazardousproperties"of "nuclear material"and arisingoutoftheoperationofa"nuclear facility"byany person or organization. c.Under Business Liability Coverage,to "bodilyinjury" or "property damage"resulting from the"hazardous properties"of the nuclearmaterial"; if: (1)The "nuclear material": (a)Is at any "nuclear facility"owned by,or operated by or on behalf of,aninsured; or (b)Has been discharged or dispersedtherefrom; (2)The "nuclear material"is contained in"spent fuel"or "waste"at any timepossessed,handled,used,processed,stored,transported or disposed of by oron behalf of an insured; or (3)The "bodily injury"or "property damage"arises out of the furnishing by an insuredofservices,materials,parts or equipmentinconnectionwiththeplanning,construction,maintenance,operation oruseofany"nuclear facility";but if suchfacilityislocatedwithintheUnitedStatesofAmerica,its territories or possessionsorCanada,this Exclusion (3)applies onlyto"property damage"to such "nuclearfacility" and any property thereat. d.As used in this exclusion: (1)"By-product material"has the meaninggivenitintheAtomicEnergyActof1954or in any law amendatory thereof; (2)"Hazardous properties"includeradioactive, toxic or explosive properties; (3)"Nuclear facility" means: (a)Any "nuclear reactor"; (b)Any equipment or device designed orused for: (i)Separating the isotopes ofuranium or plutonium; (ii)Processing or utilizing "spentfuel"; or (iii)Handling,processing orpackaging "waste"; (c)Any equipment or device used for theprocessing,fabricating or alloying of"special nuclear material"if at anytime the total amount of such materialinthecustodyoftheinsuredatthepremiseswheresuchequipmentordeviceislocatedconsistsoforcontainsmorethan25gramsofplutoniumoruranium233oranycombinationthereof,or more than250 grams of uranium 235; (d)Any structure,basin,excavation,premises or place prepared or usedfor the storage or disposal of "waste"; and includes the site on which any of theforegoingislocated,all operationsconductedonsuchsiteandallpremisesused for such operations; (4)"Nuclear material"means "sourcematerial,""special nuclear material"or"byproduct material"; (5)"Nuclear reactor"means an apparatusdesignedorusedtosustainnuclearfissioninaself-supporting chain reactionortocontainacriticalmassoffissionablematerial; (6)"Property damage"includes all forms ofradioactive contamination of property. (7)"Source material"has the meaning givenitintheAtomicEnergyActof1954orinany law amendatory thereof; (8)"Special nuclear material"has themeaning given it in the Atomic Energy Actof 1954 or in any law amendatory thereof; (9)"Spent fuel"means any fuel element orfuelcomponent,solid or liquid,which has ªH " ( ¢ # u h 2 { 8 ¥ 6 J « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 4 6 SB-300000-D(Ed. 04/14) SB-300000-D Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 10 of 16(Ed. 04/14) been used or exposed to radiation in a"nuclear reactor"; (10)"Waste" means any waste material: (a)Containing "by-product material"other than the tailings or wastesproducedbytheextractionorconcentrationofuraniumorthoriumfromanyoneprocessedprimarilyforits "source material" content; and (b)Resulting from the operation by anypersonororganizationofany"nuclear facility"included underParagraph (a) and (b) of the definitionof "nuclear facility." C.Who Is An Insured 1.If you are designated in the Declarations as: a.An individual,you and your spouse areinsureds,but only with respect to the conductofabusinessofwhichyouarethesoleowner. b.A partnership or joint venture,you are aninsured.Your members,your partners andtheirspousesarealsoinsureds,but only withrespect to the conduct of your business. c.A limited liability company,you are aninsured.Your members are also insureds,butonlywithrespecttotheconductofyourbusiness.Your managers are insureds,butonlywithrespecttotheirdutiesasyourmanagers. d.An organization other than a partnership,jointventureorlimitedliabilitycompany,you areaninsured.Your "executive officers"anddirectors are insureds, but only with respect totheirdutiesasyourofficersordirectors.Yourstockholdersarealsoinsureds,but only withrespect to their liability as stockholders. e.A trust,you are an Insured.Your trustees arealsoinsureds,but only with respect to theirduties as trustees. 2.Each of the following is also an insured: a.Your "volunteer workers"only whileperformingdutiesrelatedtotheconductofyourbusiness,or your "employees,"otherthan either your "executive officers"(if you areanorganizationotherthanapartnership,jointventureorlimitedliabilitycompany)or yourmanagers(if you are a limited liabilitycompany),but only for acts within the scopeoftheiremploymentbyyouorwhileperformingdutiesrelatedtotheconductofyourbusiness.However,none of these "employees"or "volunteer workers"areinsureds for: (1)"Bodily injury"or "personal andadvertising injury": (a)To you,to your partners or members(if you are a partnership or jointventure),to your members (if you arealimitedliabilitycompany),or to aco-"employee"while in the course ofhisorheremploymentorperformingdutiesrelatedtotheconductofyourbusiness,or to your other "volunteerworkers"while performing dutiesrelatedtotheconductofyourbusiness; (b)To the spouse,child,parent,brotherorsisterofthatco-"employee"as aconsequenceofParagraph(a)above; (c)For which there is any obligation tosharedamageswithorrepaysomeoneelsewhomustpaydamagesbecauseoftheinjurydescribed in Paragraphs (a) or (b); or (d)Arising out of his or her providing orfailingtoprovideprofessionalhealthcare services. (2)"Property damage" to property: (a)Owned, occupied or used by, (b)Rented to,in the care,custody orcontrolof,or over which physicalcontrolisbeingexercisedforanypurpose by you,any of your "employees,""volunteerworkers,"any partner or member (if youareapartnershiporjointventure),or anymember(if you are a limited liabilitycompany). b.Any person (other than your "employee"or"volunteer worker"),or any organization whileacting as your real estate manager. c.Any person or organization having propertemporarycustodyofyourpropertyifyoudie,but only: (1)With respect to liability arising out of themaintenance or use of that property; and (2)Until your legal representative has beenappointed. d.Your legal representative if you die,but onlywithrespecttodutiesassuch.Thatrepresentativewillhaveallyourrightsandduties under this policy. SB-300000-D(Ed. 04/14) SB-300000-D Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 11 of 16(Ed. 04/14) 3.With respect to "mobile equipment"registered inyournameunderanymotorvehicleregistrationlaw,any person is an insured while driving suchequipmentalongapublichighwaywithyourpermission.Any other person or organizationresponsiblefortheconductofsuchpersonisalsoaninsured,but only with respect to liability arisingoutoftheoperationoftheequipment,and only ifnootherinsuranceofanykindisavailabletothatpersonororganizationforthisliability.However,no person or organization is an insured withrespect to: a."Bodily injury"to a co-"employee"of theperson driving the equipment; or b."Property damage"to property owned by,rented to,in the charge of or occupied by youortheemployerofanypersonwhoisaninsured under this provision. 4.Any organization you newly acquire or form,otherthan a partnership or joint venture,and over whichyoumaintainownershipofmajorityinterest,willqualifyasaNamedInsuredifthereisnoothersimilarinsuranceavailabletothatorganization.However: a.Coverage under this provision is afforded onlyuntil the 90th day after you acquire or form theorganizationortheendofthepolicyperiod,whichever is earlier; b.Bodily Injury and Property Damage coveragedoesnotapplyto"bodily injury"or "propertydamage"that occurred before you acquired orformed the organization; and c.Personal and Advertising Injury coveragedoesnotapplyto"personal injury"or"advertising injury"arising out of an offensecommittedbeforeyouacquiredorformedtheorganization. No person or organization is an insured withrespecttotheconductofanycurrentorpastpartnership,joint venture or limited liabilitycompany that is not shown as a Named Insured inthe Declarations. D.Liability And Medical Expenses Limits OfInsurance 1.The Limits of Insurance shown in the Declarationsandtherulesbelowfixthemostwewillpayregardless of the number of: a.Insureds; b.Claims made or "suits" brought; or c.Persons or organizations making claims orbringing "suits." 2.The most we will pay for: a.Injury or damages under the "productscompletedoperationshazard"arising from all"occurrences"during the policy period is theProducts-Completed Operations AggregateLimit shown in the Declarations. b.All other injury or damages,including medicalexpenses,arising from all "occurrences"during the policy period is the GeneralAggregate Limit shown in the Declarations. This General Aggregate Limit appliesseparatelytoeachofyour"locations"ownedby or rented to you. "Location"means premises involving thesameorconnectinglots,or premises whoseconnectionisinterruptedonlybyastreet,roadway or right-of-way of a railroad. This aggregate Limit does not apply to"property damage"to premises rented to youarising out of fire, lightning or explosion. 3.Subject to item 2.above,the most we will pay forthesumofalldamagesbecauseofall"bodilyinjury,""property damage"and medical expensesarisingoutofanyone"occurrence"is the LiabilityandMedicalExpenseLimitshownintheDeclarations. The most we will pay for all medical expensesbecauseof"bodily injury"sustained by any onepersonistheMedicalExpensesLimitshowninthe Declarations. 4.Subject to item 2.above,the most we will pay forthesumofalldamagesbecauseofall"personalandadvertisinginjury"sustained by any onepersonororganizationisthePersonalandAdvertising Injury Limit shown in the Declarations. 5.The most we will pay under Business LiabilityCoveragefordamagesbecauseof"propertydamage"to premises rented to you,or in the caseoffire,while rented to you or temporarily occupiedbyyouwithpermissionoftheowner,is theDamageToPremisesRentedToYouLimitshownin the Declarations. The Damage to Premises Rented To You Limitappliestoalldamageproximatelycausedbythesameevent,whether such damage results fromfire,lightning,or explosion or any combination ofthe three. If more than one limit of insurance under thispolicyandanyendorsementsattachedtheretoappliestoanyclaimor"suit,"the most we will payunderthispolicyandtheendorsementsisthesinglehighestlimitofliabilityofallcoveragesapplicabletosuchclaimor"suit."However,thisparagraphdoesnotapplytotheMedicalExpenses limit set forth in paragraph 3. above. ªH " ( ¢ # u h 2 { 8 ¥ 7 W « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 4 7 SB-300000-D(Ed. 04/14) SB-300000-D Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 12 of 16(Ed. 04/14) The Limits of this policy apply separately to eachconsecutiveannualperiodandtoanyremainingperiodoflessthan12months,starting with thebeginningofthepolicyperiodshownintheDeclarations,unless the policy period is extendedafterissuanceforanadditionalperiodoflessthan12months.In that case,the additional period willbedeemedpartofthelastprecedingperiodforpurposes of determining the Limits of Insurance. E.Businessowners Liability Conditions 1.Bankruptcy Bankruptcy or insolvency of the insured or of theinsured's estate will not relieve us of ourobligations under this policy. 2.Duties In The Event Of Occurrence,Offense,Claim Or Suit a.You must see to it that we are notified as soonaspracticableofan"occurrence"or anoffensewhichmayresultinaclaim.To theextent possible, notice should include: (1)How,when and where the "occurrence"or offense took place; (2)The names and addresses of any injuredpersons and witnesses; and (3)The nature and location of any injury ordamagearisingoutofthe"occurrence"oroffense. b.If a claim is made or "suit"is brought againstany insured, you must: (1)Immediately record the specifics of theclaim or "suit" and the date received; and (2)Notify us as soon as practicable. You must see to it that we receive writtennoticeoftheclaimor"suit"as soon aspracticable. c.You and any other involved insured must: (1)Immediately send us copies of anydemands,notices,summonses or legalpapersreceivedinconnectionwiththeclaim or "suit"; (2)Authorize us to obtain records and otherinformation; (3)Cooperate with us in the investigation,orsettlement of the claim or defense againstthe "suit"; and (4)Assist us,upon our request,in theenforcementofanyrightagainstanypersonororganizationthatmaybeliabletotheinsuredbecauseofinjuryor damage to which this insurance may alsoapply. d.No insured will,except at that insured's owncost,voluntarily make a payment,assumeanyobligation,or incur any expense,otherthan for first aid, without our consent. 3.Financial Responsibility Laws a.When this policy is certified as proof offinancialresponsibilityforthefutureundertheprovisionsofanymotorvehiclefinancialresponsibilitylaw,the insurance provided bythepolicyfor"bodily injury"liability and"property damage" liability will comply with theprovisionsofthelawtotheextentofthecoverageandlimitsofinsurancerequiredbythat law. b.With respect to "mobile equipment"to whichthisinsuranceapplies,we will provide anyliability,uninsured motorists,underinsuredmotorists,no-fault or other coverage requiredbyanymotorvehiclelaw.We will provide therequired limits for those coverages. 4.Legal Action Against Us No person or organization has a right under thispolicy: a.To join us as a party or otherwise bring us intoa"suit"asking for damages from an insured;or b.To sue us on this policy unless all of its termshave been fully complied with. A person or organization may sue us torecoveronanagreedsettlementoronafinaljudgmentagainstaninsured;but we will notbeliablefordamagesthatarenotpayableunderthetermsofthispolicyorthatareinexcessoftheapplicablelimitofinsurance.Anagreedsettlementmeansasettlementandreleaseofliabilitysignedbyus,the insuredandtheclaimantortheclaimant's legalrepresentative. 5.Separation Of Insureds Except with respect to the Limits of Insurance inthispolicy,and any rights or duties specificallyassignedinthispolicytothefirstNamedInsured,this insurance applies: a.As if each Named Insured were the onlyNamed Insured; and b.Separately to each insured against whomclaim is made or "suit" is brought. SB-300000-D(Ed. 04/14) SB-300000-D Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 13 of 16(Ed. 04/14) 6.Unintentional Failure to Disclose Hazards It is agreed that based on our reliance on yourrepresentationsastoexistinghazards,ifunintentionallyyoushouldfailtodiscloseallsuchhazardsattheinceptiondateofyourpolicy,weshallnotdenyanycoverageunderthisCoverageForm because of such failure. F.Liability And Medical Expenses Definitions 1."Advertisement"means a notice that is broadcastorpublishedtothegeneralpublicorspecificmarketsegmentsaboutyourgoods,products orservicesforthepurposeofattractingcustomersorsupporters. For the purposes of this definition: a.Notices that are published include materialplacedontheInternetoronsimilarelectronicmeans of communication; and b.Regarding web-sites,only that part of a web-site that is about your goods,products orservicesforthepurposesofattractingcustomersorsupportersisconsideredanadvertisement. 2."Auto"means a land motor vehicle,trailer orsemitrailerdesignedfortravelonpublicroads,including any attached machinery or equipment.But "auto" does not include "mobile equipment." 3."Bodily injury"means bodily injury,sickness ordiseasesustainedbyaperson,including deathresulting from any of these at any time. 4."Coverage territory" means: a.The United States of America (including itsterritoriesandpossessions),Puerto Rico andCanada; b.International waters or airspace, but only if theinjury or damage occurs in the course of travelor transportation between any places includedin Paragraph a. above; or c.All other parts of the world if the injury ordamage arises out of: (1)Goods or products made or sold by you intheterritorydescribedinParagrapha.above; (2)The activities of a person whose home isintheterritorydescribedinParagrapha.above,but is away for a short time onyour business; or (3)"Personal and advertising injury"offensesthattakeplacethroughtheInternetorsimilarelectronicmeansofcommunication; provided the insured's responsibility to paydamagesisdeterminedina"suit"on the merits in the territory described in Paragrapha. above or in a settlement we agree to. 5."Employee"includes a "leased worker.""Employee"does not include a "temporaryworker." 6."Executive officer"means a person holding any oftheofficerpositionscreatedbyyourcharter,constitution,by-laws or any other similargoverning document. 7."Hostile fire"means one which becomesuncontrollableorbreaksoutfromwhereitwasintended to be. 8."Impaired property" means tangible property,otherthan"your product"or "your work,"that cannot beused or is less useful because: a.It incorporates "your product"or "your work"that is known or thought to be defective,deficient, inadequate or dangerous; or b.You have failed to fulfill the terms of a contractor agreement; if such property can be restored to use by: (1)The repair,replacement,adjustment orremovalof"your product"or "your work";or (2)Your fulfilling the terms of the contract oragreement. 9."Insured contract" means: a.A contract for a lease of premises.However,that portion of the contract for a lease ofpremisesthatindemnifiesanypersonororganizationfordamagebyfiretopremiseswhile rented to you or temporarily occupied byyouwithpermissionoftheownerisnotan"insured contract"; b.A sidetrack agreement; c.Any easement or license agreement,exceptinconnectionwithconstructionordemolitionoperations on or within 50 feet of a railroad; d.An obligation,as required by ordinance,toindemnifyamunicipality,except in connectionwith work for a municipality; e.An elevator maintenance agreement; f.That part of any other contract or agreementpertainingtoyourbusiness(including anindemnificationofamunicipalityinconnectionwithworkperformedforamunicipality)underwhichyouassumethetortliabilityofanotherpartytopayfor"bodily injury"or "propertydamage"to a third person or organization.Tort liability means a liability that would be ªH " ( ¢ # u h 2 { 8 ¥ 8 d « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 4 8 SB-300000-D(Ed. 04/14) SB-300000-D Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 14 of 16(Ed. 04/14) imposed by law in the absence of anycontract or agreement. Paragraph f.does not include that part of anycontract or agreement: (1)That indemnifies a railroad for "bodilyinjury"or "property damage"arising out ofconstructionordemolitionoperations,within 50 feet of any railroad property andaffectinganyrailroadbridgeortrestle,tracks,road beds,tunnel,underpass orcrossing; (2)That indemnifies an architect,engineer orsurveyorforinjuryordamagearisingoutof: (a)Preparing,approving or failing toprepareorapprovemaps,drawings,opinions,reports,surveys,changeorders, designs or specifications; or (b)Giving directions or instructions,orfailingtogivethem,if that is theprimarycauseoftheinjuryordamage; or (c)Under which the insured,if anarchitect,engineer or surveyor,assumes liability for an injury ordamagearisingoutoftheinsured'srenderingorfailuretorenderprofessionalservices,including thoselistedinParagraph(2)above andsupervisory,inspection orengineering services. 10."Leased worker" means a person leased to you byalaborleasingfirmunderanagreementbetweenyouandthelaborleasingfirm,to perform dutiesrelatedtotheconductofyourbusiness."Leasedworker" does not include a "temporary worker." 11."Loading or unloading"means the handling ofproperty: a.After it is moved from the place where it isacceptedformovementintoorontoanaircraft, watercraft or "auto"; b.While it is in or on an aircraft,watercraft or"auto"; or c.While it is being moved from an aircraft,watercraft or "auto"to the place where it isfinally delivered; but "loading or unloading"does not include themovementofpropertybymeansofamechanicaldevice,other than a hand truck,that is notattached to the aircraft, watercraft or "auto." 12."Mobile equipment"means any of the followingtypesoflandvehicles,including any attachedmachinery or equipment: a.Bulldozers,farm machinery,forklifts and othervehiclesdesignedforuseprincipallyoffpublicroads; b.Vehicles maintained for use solely on or nextto premises you own or rent; c.Vehicles that travel on crawler treads; d.Vehicles,whether self-propelled or not,onwhich are permanently mounted: (1)Power cranes,shovels,loaders,diggersor drills; or (2)Road construction or resurfacingequipmentsuchasgraders,scrapers orrollers; e.Vehicles not described in Paragraphs a., b.,c.or d.above that are not self-propelled and aremaintainedprimarilytoprovidemobilitytopermanentlyattachedequipmentofthefollowing types: (1)Air compressors,pumps and generators,including spraying,welding,buildingcleaning,geophysical exploration,lightingand well servicing equipment; or (2)Cherry pickers and similar devices usedto raise or lower workers; f.Vehicles not described in Paragraphs a., b.,c.or d.above maintained primarily for purposesotherthanthetransportationofpersonsorcargo. However,self-propelled vehicles with thefollowingtypesofpermanentlyattachedequipmentarenot"mobile equipment"but willbe considered "autos": (1)Equipment designed primarily for: (a)Snow removal; (b)Road maintenance,but notconstruction or resurfacing; or (c)Street cleaning; (2)Cherry pickers and similar devicesmountedonautomobileortruckchassisand used to raise or lower workers; and (3)Air compressors,pumps and generators,including spraying,welding,buildingcleaning,geophysical exploration,lightingand well servicing equipment. 13."Occurrence"means an accident,includingcontinuousorrepeatedexposuretosubstantiallythe same general harmful conditions. SB-300000-D(Ed. 04/14) SB-300000-D Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 15 of 16(Ed. 04/14) 14."Personal and advertising injury"means injury,including consequential "bodily injury,"arising outof one or more of the following offenses: a.False arrest, detention or imprisonment; b.Malicious prosecution; c.The wrongful eviction from,wrongful entryinto,or invasion of the right of privateoccupancyofaroom,dwelling or premisesthatapersonoccupies,committed by or onbehalf of its owner, landlord or lessor; d.Oral or written publication,in any manner,ofmaterialthatslandersorlibelsapersonororganizationordisparagesaperson's ororganization's goods, products or services; e.Oral or written publication,in any manner,ofmaterialthatviolatesaperson's right ofprivacy; f.The use of another's advertising idea in your"advertisement"; or g.Infringing upon another's copyright,tradedress or slogan in your "advertisement." 15."Pollutants"mean any solid,liquid,gaseous orthermalirritantorcontaminant,including smoke,vapor,soot,fumes,acids,alkalis,chemicals andwaste.Waste includes materials to be recycled,reconditioned or reclaimed 16."Products – completed operations hazard": a.Includes all "bodily injury"and "propertydamage"occurring away from premises youownorrentandarisingoutof"your product"or "your work" except: (1)Products that are still in your physicalpossession; or (2)Work that has not yet been completed orabandoned.However,"your work"will bedeemedcompletedattheearliestofthefollowing times: (a)When all of the work called for in yourcontract has been completed. (b)When all of the work to be done atthejobsitehasbeencompletedifyourcontractcallsforworkatmorethan one job site. (c)When that part of the work done atthejobsitehasbeenputtoitsintendedusebyanyotherpersonororganizationotherthananothercontractororsubcontractorworkingon the same project. Work that may need service,maintenance,correction,repair or replacement,but which is otherwisecomplete, will be treated as completed. The "bodily injury"or "property damage"mustoccurawayfrompremisesyouownorrent,unless your business includes the selling,handling or distribution of "your product"forconsumption on premises you own or rent. b.Does not include "bodily injury"or "propertydamage" arising out of: (1)The transportation of property,unless theinjuryordamagearisesoutofaconditioninoronavehiclenotownedoroperatedbyyou,and that condition was created bythe"loading or unloading"of that vehicleby any insured; or (2)The existence of tools,uninstalledequipmentorabandonedorunusedmaterials. 17."Property damage" means: a.Physical injury to tangible property,includingallresultinglossofuseofthatproperty.Allsuchlossofuseshallbedeemedtooccuratthetimeofthephysicalinjurythatcausedit;or b.Loss of use of tangible property that is notphysically injured. All such loss of use shall bedeemedtooccuratthetimeofthe"occurrence" that caused it. For the purposes of this insurance,electronic datais not tangible property. As used in this definition,electronic data meansinformation,facts or programs stored as,createdorusedon,or transmitted to or from computersoftware,including systems and applicationssoftware,hard or floppy disks,CD-ROMs,tapes,drives,cells,data processing devices or any othermediawhichareusedwithelectronicallycontrolled equipment. 18."Software" means: a.Electronic data processing,recording orstoragemediasuchasfilms,tapes,cards,discs, drums or cells; and b.Data and programming records used forelectronicdataprocessingorelectronicallycontrolledequipmentstoredonsuchmedia;and c.Written or printed data,such as programs,routines, and symbolic languages, essential tothe operation of computers; and d.Documents containing information on theoperation and maintenance of computers. ªH " ( ¢ # u h 2 { 8 ¥ 9 q « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 4 9 SB-300000-D(Ed. 04/14) SB-300000-D Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 16 of 16(Ed. 04/14) 19."Suit"means a civil proceeding in which damagesbecauseof"bodily injury,""property damage,""personal and advertising injury"to which thisinsurance applies are alleged. "Suit" includes: a.An arbitration proceeding in which suchdamagesareclaimedandtowhichtheinsuredmustsubmitordoessubmitwithourconsent; or b.Any other alternative dispute resolutionproceedinginwhichsuchdamagesareclaimed and to which the insured submits withour consent. 20."Temporary worker"means a person who isfurnishedtoyoutosubstituteforapermanent"employee"on leave or to meet seasonal or short-term workload conditions. 21."Volunteer worker"means a person who is notyour "employee," and who donates his or her workand acts at the direction of and within the scope ofdutiesdeterminedbyyou,and is not paid a fee,salary or other compensation by you or anyoneelse for their work performed for you. 22."Your product": a.Means: (1)Any goods or products,other than realproperty,manufactured,sold,handled,distributed or disposed of by: (a)You; (b)Others trading under your name; or (c)A person or organization whosebusinessorassetsyouhaveacquired; and (2)Containers (other than vehicles),materials,parts or equipment furnished inconnection with such goods or products. b.Includes: (1)Warranties or representations made atanytimewithrespecttothefitness,quality,durability,performance or use of"your product"; and (2)The providing of or failure to providewarnings or instructions. c.Does not include vending machines or otherpropertyrentedtoorlocatedfortheuseofothers but not sold. 23."Your work": a.Means: (1)Work or operations performed by you oron your behalf; and (2)Materials,parts or equipment furnished inconnection with such work or operations. b.Includes: (1)Warranties or representations made atanytimewithrespecttothefitness,quality,durability,performance or use of"your work"; and (2)The providing of or failure to providewarnings or instructions. SB-300001-C(Ed. 06/11) SB-300001-C Includes copyrighted material of Insurance Services Office, Inc., with its permission.Page 1 of 1(Ed. 06/11)Copyright, Insurance Services Office, Inc., 2002 HIJKLMN THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT – AGGREGATE LIMITS OF INSURANCE (PER PROJECT) This endorsement modifies insurance provided under the following: BUSINESSOWNERS LIABILITY COVERAGE FORM A.For all sums which the insured becomes legallyobligatedtopayasdamagescausedby"occurrences"under COVERAGE A.1.,and for all medical expensescausedbyaccidentsunderCOVERAGEA.2.,whichcan be attributed only to ongoing operations at a single"project": 1.A separate "Project"General Aggregate limitappliestoeach"project."The "Project"GeneralAggregatelimitisequaltotheamountoftheGeneralAggregatelimitshownintheDeclarations. 2.The "Project"General Aggregate limit is the mostwewillpayforthesumofalldamagespayableunderCOVERAGEA.1.,except damagesbecauseof"bodily injury"or "property damage"included in the "products-completed operationshazard,"and for medical expenses payable underCOVERAGE A.2. regardless of the number of: a.Insureds; b.Claims made or "suits" brought; or c.Persons or organizations making claims orbringing "suits." 3.Any payments made under COVERAGE A.1.fordamagesorunderCOVERAGEA.2.for medicalexpensesshallreducethe"Project"GeneralAggregatelimitfortheapplicable"project."SuchpaymentsshallnotreducetheGeneralAggregatelimitshownintheDeclarationsnorshalltheyreduceany"Project"General Aggregate limitapplicable to other "projects." 4.The limits shown in the Declarations for LiabilityandMedicalExpenses,Damage to PremisesRentedtoYou,and Medical Expenses continue toapply.However,instead of being subject to theGeneralAggregatelimitshowninthe Declarations,such limits will be subject to theapplicable "Project" General Aggregate limit. B.For all sums which the insured becomes legallyobligatedtopayasdamagescausedby"occurrences," and for all medical expenses caused byaccidents,which cannot be attributed only to ongoingoperations at a single "project": 1.Any payments made under COVERAGE A.1.fordamagesorunderCOVERAGEA.2.for medicalexpenses shall reduce the amount available undertheGeneralAggregatelimitortheProducts/Completed Operations Aggregate limit,whichever is applicable; and 2.Such payments shall not reduce any "Project"General Aggregate limit. C.When coverage for liability arising out of the "products-completed operations hazard"is provided,anypaymentsfordamagesbecauseof"bodily injury"or"property damage"included in the "products-completed operations hazard"will reduce theProducts/Completed Operations Aggregate limit,andnotreducetheGeneralAggregatelimitnorany"Project" General Aggregate limit. D.If a "project"has been abandoned,delayed,orabandonedandthenrestarted,or if the authorizedcontractingpartiesdeviatefromplans,blueprints,designs,specifications or timetables,the "project"willstill be deemed to be the same "project." E.The provisions of the Limits Of Insurance section nototherwisemodifiedbythisendorsementshallcontinueto apply as stipulated. F.The following definition is added to Section F.Liabilityand Medical Expenses Definitions: "Project"means "your work"at location(s)away frompremisesownedorrentedtoyou. ªH " ( ¢ # u h 2 { 9 ¥ 0 n « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 5 0 SB300038F(Ed. 04/14) SB300038F (Ed. 04/14)Page 1 of 5 Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with its permission. CONTRACTOR'S EQUIPMENT - SPECIAL FORM SCHEDULE Coverage Deductible $Description of Equipment Limit of Insurance$$$*Information required to complete the Schedule,if not shown on this endorsement,will be shown in theDeclarations. Various provisions in this policy restrict coverage.Read the entire policy carefully to determine rights,duties and what isand is not covered. Throughout this policy, the words "you"and "your"refer to the Named Insured shown in the Declarations.The words "we,""us" and "our" refer to the Company providing this insurance. Other words and phrases that appear in quotation marks have special meaning. Refer to Section F – DEFINITIONS. A.COVERAGE We will pay for "loss" to Covered Property from any of the Covered Causes of Loss. 1.Covered Property, as used in this Policy Form, means the following types of property: a.Your contractor's equipment; and b.Similar property of others in your care, custody or control. 2.Property Not Covered Covered Property does not include: a.Automobiles,motor trucks,tractors,trailers and other conveyances that are licensed for use on public roadsand are used to transport persons or property; b.Aircraft or watercraft; c.Property while waterborne except by regular ferry other than to or from Alaska; d.Property while underground or underwater; e.Property you lease or rent to others without providing an operator unless a Limit of Insurance is shown for it inthe Declarations; or f.Contraband, or property in the course of illegal transportation or trade. 3.Covered Causes of Loss Covered Causes of Loss means RISKS OF DIRECT PHYSICAL "LOSS"to covered property except those causesof "loss" listed in the Exclusions. 4.Coverage Extensions a.Newly Acquired Property We will cover similar newly acquired property that you purchase,lease,rent or borrow during the policyperiod.You must report this property to us within 60 days of acquisition or we will not pay for "loss"to thispropertyandcoverageforitwillterminate.An additional premium will be charged from the date you acquirethat property. The most we will pay for "loss"under this Coverage Extension for new property you purchase,lease,rent orborrow and for which you are liable is $25,000 in any one occurrence. HIJKLMN SB300038F(Ed. 04/14) SB300038F (Ed. 04/14)Page 2 of 5 Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with its permission. The amount payable under this extension is in addition to the Limits of Insurance shown in the Declarations.No Coinsurance applies. b.Property Leased or Rented to Others Without Operator You may extend this insurance to apply to Covered Property you lease or rent to others without providing theoperator, but only if you: (1)Secure a signed lease or rental agreement requiring the lessee to: (a)Be fully responsible for any and all "loss"; and (b)Provide insurance on the property with coverage and limits of insurance equal to yours. (2)Secure written evidence of such insurance naming you or the owner of the property as loss payee andmaintain that evidence of file for our review during regular business hours. The most we will pay for "loss"under this extension is the applicable Limits of Insurance shown in theDeclarationsforPropertyLeasedorRentedtoOthers.The amount payable under this extension does notincrease the Limits of Insurance provided under this Coverage Form. c.Fire Protection Systems We will pay for your expense to recharge or refill your fire protective systems that protect Covered Property. The most we will pay in any one "loss" under this Coverage Extension is $2,500. 5.Additional Coverages a.Debris Removal We will pay your expense to remove the debris of Covered Property caused by or resulting from a CoveredCause of Loss that occurs during the policy period, but only if the expenses are reported to us in writing within60 days of the date of direct physical "loss." This Additional Coverage does not apply to: (1)Costs to extract "pollutants" from land or water; or (2)Costs to remove, restore or replace polluted land or water. The most we will pay under this Additional Coverage is $10,000 in any one occurrence.The amount payableis in addition to the Limits of Insurance shown in the Declarations. b.Reward Coverage We will reimburse you for reward(s) expense you have incurred leading to: (1)The successful return of undamaged stolen articles to a law enforcement agency; or (2)The arrest and conviction of any person(s) who have damaged or stolen any of your Covered Property. We will pay 25%of the covered loss,prior to the application of any Deductible and recovery,up to amaximum of $2,500 in any one occurrence for the reward payments you make.These reward payments mustbedocumented.The amount payable is in addition to the Limits of Insurance shown in the Declarations.NoDeductible applies to this Additional Coverage. c.Rental Expense We will pay the expenses you incur for the rental of temporary substitute equipment to continue,as nearly aspracticable,your "normal"operations on work in progress or under contract.Such expenses must be madenecessarybydirectphysical"loss"to Covered Property caused by or resulting from a Covered Cause ofLoss. Payment under this Additional Coverage is limited to such expenses incurred during the period of time that: (1)Begins one "working day"after the direct physical "loss"unless otherwise stated in the Declarationsunder the Deductible applicable to this coverage; and ªH " ( ¢ # u h 2 { 9 ¥ 1 { « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 5 1 SB300038F(Ed. 04/14) SB300038F (Ed. 04/14)Page 3 of 5 Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with its permission. (2)Ends when the Covered Property should be repaired or replaced with reasonable speed and similarquality, or the need for the substitute equipment ceases to exist, whichever occurs first. This period of time will not be cut short by the expiration date of this Coverage Form. This Additional Coverage does not apply to (1)Any expense incurred if you have suitable substitute equipment available to continue your "normal"operations; (2)Any expense for the rental of equipment not of the same type or not to be used for the same purpose asthe equipment for which it is substituted; or (3)Any loss of market, loss of income or any consequential "loss." d.Fire Department Service Charge When the fire department is called to save or protect Covered Property from a Covered Cause of Loss,wewill pay up to $1,000 for your liability for Fire Department Service Charges: (1)Assumed by contract or agreement prior to "loss"; or (2)Required by local ordinance. No deductible applies to this Additional Coverage. e.Pollutant Cleanup and Removal (1)We will pay your expense to extract "pollutants"from land or water if the discharge,dispersal,seepage,migration,release or escape of the "pollutants"is caused by or results from a Covered Cause of Loss toCovered Property that occurs during the policy period. The expenses will be paid only if they are reportedto us in writing within 180 days of the date of the "loss." (2)This Additional Coverage does not apply to costs to test for,monitor or assess the existence,concentration or effects of "pollutants."But we will pay for testing which is performed in the source ofextracting the "pollutants" from the land or water. (3)The most we will pay under this Additional Coverage is $10,000 for the sum of all such expenses arisingoutofCoveredCauseofLosstoCoveredPropertyoccurringduringeachseparate12monthperiodofthis policy. B.EXCLUSIONS 1.We will not pay for a "loss" caused directly or indirectly by any of the following.Such "loss"is excluded regardlessof any other cause or event that contributes concurrently or in any sequence to the "loss." a.Governmental Action Seizure or destruction of property by order of governmental authority. But we will pay for acts of destruction ordered by governmental authority and taken at the time of a fire toprevent its spread if the fire would be covered under this Coverage Form. b.Nuclear Hazard (1)Any weapon employing atomic fission or fusion; or (2)Nuclear reaction or radiation,or radioactive contamination from any other cause.But we will pay direct"loss" caused by resulting fire if the fire would be covered under this Coverage Form. c.War and Military Action (1)War, including undeclared or civil war; (2)Warlike action by a military force, including action in hindering or defending against an actual or expectedattack, by any government, sovereign or other authority using military personnel or other agents; or (3)Insurrection,rebellion,revolution,usurped power or action taken by governmental authority in hinderingor defending any of these. SB300038F(Ed. 04/14) SB300038F (Ed. 04/14)Page 4 of 5 Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with its permission. 2.We will not pay for a "loss" caused by or resulting from any of the following: a.Delay, loss of use, loss of market or any other consequential loss. b.Dishonest acts by you,anyone else with an interest in the property,your or their employees or authorizedrepresentativesoranyoneentrustedwiththeproperty,whether or not acting alone or in collusion with otherpersons or occurring during the hours of employment. This exclusion does not apply to property in the custody of a carrier for hire. c.Work upon or service of the property. But we will pay for direct "loss" caused by resulting fire or explosion. d.Artificially generated electrical current,including electric arcing,within Covered Property that disturbselectrical devices, equipment or apparatus. But we will pay for resulting fire or explosion. e.The weight of a load exceeding the lifting or operating capacity of any property under the operating conditionsat the time of "loss." But we will pay for direct "loss"caused by resulting fire or explosion,if these causes of "loss"would becovered under this Coverage Form. f.Voluntary parting with any property by you or anyone entrusted with the property if induced to do so by anyfraudulent scheme, trick, device or false pretense. g.Discharge, dispersal, seepage, migration, release or escape of "pollutants." But we will pay for such "loss"caused directly by fire,lightning,explosion,windstorm,smoke,aircraft orobjectsfallingfromaircraft,riot or civil commotion,vandalism or leakage from fire extinguishing equipment,ifthese causes of "loss" would be covered under this Coverage Form. 3.We will not pay for a "loss"caused by or resulting from any of the following.But if "loss"by a Covered Cause ofLoss results, we will pay for that resulting loss. a.Weather conditions.But this exclusion only applies if weather conditions contribute in any way with a causeor event excluded in paragraph 1. above to produce the "loss." b.Wear and tear,any quality in the property that causes it to damage or destroy itself,hidden or latent defect,gradual deterioration, depreciation, corrosion, rust, dampness, dryness, cold or heat; c.Mechanical breakdown or failure of the Covered Property. C.LIMITS OF INSURANCE The most we will pay for "loss"in any one occurrence is the applicable Limit of Insurance shown in the Declarations.Except as provided in 4. Coverage Extensions or 5. Additional Coverages. D.DEDUCTIBLE We will not pay for "loss"in any one occurrence until the amount of "loss,"before applying the applicable Limits ofInsurance,exceeds the Deductible shown in the Declarations.We will then pay the amount of the "loss"in excess ofthe Deductible, up to the applicable Limit of Insurance. E.ADDITIONAL CONDITIONS The following conditions apply in addition to the Common Policy Conditions,and in addition to the CommercialPropertyConditionsandPropertyLossConditionsfromtheBusinessownersSpecialPropertyCoverageForm.To theextent the following conditions differ from any of these other conditions, the following conditions take precedence: 1.Coverage Territory We cover property wherever located within: a.The United States of America; b.Puerto Rico; and c.Canada. However,the Coverage Territory does not include any waterborne shipment to or from Alaska,Puerto Rico,Hawaii, or territories or possessions of the United States of America. ªH " ( ¢ # u h 2 { 9 ¥ 2 ! « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 5 2 SB300038F(Ed. 04/14) SB300038F (Ed. 04/14)Page 5 of 5 Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with its permission. 2.Valuation We will determine the value of Covered Property as follows: (1)At replacement cost (without deduction for depreciation), except as provided below: (a)You may make a claim for loss or damage covered by this insurance on an actual cash value basisinsteadofonareplacementcostbasis.In the event you elect to have loss or damage settled on anactualcashvaluebasis,you may still make a claim on a replacement cost basis if you notify us of yourintent to do so within 180 days after the loss or damage. (b)We will not pay on a replacement cost basis for any loss or damage: (i)Until the lost or damaged property is actually repaired or replaced; and (ii)Unless the repairs or replacement are made as soon as reasonably possible after the loss ordamage. F.DEFINITIONS 1."Loss" means accidental loss or damage. 2."Pollutants"means any solid,liquid,gaseous or thermal irritant or contaminant,including smoke,vapor,soot,fumes, acids, alkalis, chemicals and waste. Waste includes materials to be recycled, reconditioned or reclaimed. 3."Normal" means the condition that would have existed had no "loss" occurred. 4."Working Day"means the period of twenty-four (24)consecutive hours of a normally scheduled workday,beginning at midnight following the "loss." All other terms and conditions of the Policy remain unchanged. SB-300061-B(Ed. 11-18) SB-300061-B (11-18)Page 1 of 1 Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with its permission. EXTERIOR FINISH SYSTEM PRODUCTS/COMPLETED OPERATIONSPROPERTY DAMAGE EXCLUSION ENDORSEMENT This endorsement modifies insurance provided under the following: BUSINESSOWNERS LIABILITY COVERAGE FORM It is understood and agreed that: I.In the section entitled Exclusions,the paragraph entitled Applicable to Business Liability Coverage is amended toadd the following exclusion: This insurance does not apply to: Exterior Insulation & Finish Systems "Property damage" included in the "products-completed hazard" arising out of, caused by, or attributable to,whether inwholeorinpart,an "exterior finish system"or any part thereof,or any substantially similar system or any part thereof,including the application or use of conditioners,primers,accessories,flashings,coatings,caulkings or sealants inconnection with such system. II.The section entitled Liability and Medical Expense Definitions is amended to add the following new definition: "Exterior finish system"means a synthetic exterior wall cladding system that is intended to be water tight at theoutside surface and designed to consist of: a.A "backer board" that is attached to any building surface or substrate; b.An integrally reinforced base coat on the face of the "backer board;" c.A protective finish applied to the surface of the base coat; and d.Applicable accessories, flashings, coatings, caulking and sealants; that interact to form an energy efficient wall. As used herein, "backer board" includes but is not limited to insulation board,foam board,cement board,cementitiousboard, plywood, oriented strand board, any gypsum based board or metal sheet. All other terms and conditions of the Policy remain unchanged. HIJKLMN ªH " ( ¢ # u h 2 { 9 ¥ 3 . « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 5 3 SB300129C(Ed. 10-19) SB300129C (Ed. 10-19)Page 1 of 2 Copyright CNA All Rights Reserved. TARGETED HACKER ATTACK This endorsement modifies insurance provided under the following: BUSINESSOWNERS SPECIAL PROPERTY COVERAGE FORM The following coverage is added to your Businessowners Special Property Coverage Form under Paragraph A.6.Coverage Extensions.Unless otherwise stated,payments made under this Coverage Extension are subject to and not inaddition to the applicable Limits of Insurance. Targeted Hacker Attack 1.We will pay up to the Limits of Insurance indicated in Paragraphs 9. and 10. below, for the following: a.Corruption,distortion,deletion,damage or destruction of your "electronic data"caused by or resulting from a"targeted hacker attack." b.Subject to paragraph 8.below,actual loss of Business Income you sustain due to the necessary "suspension"ofyour"operations"during the "period of restoration."The "suspension"must be caused by the necessaryinterruption or suspension of your "electronic data processing equipment" resulting from a "targeted hacker attack"that corrupts, distorts, deletes, damages or destroys your "electronic data." c.Subject to paragraph 8.below,with respect to a "suspension"of your "operations"as described in paragraph 1.b.above, the "extra expense" (other than the expense to repair or replace property) to: (1)Avoid or minimize the "suspension" of business and to continue "operations"; or (2)Minimize the "suspension" of business if you cannot continue "operations." 2.Worldwide coverage is provided under this Coverage Extension.The coverage territory as described in ParagraphF.8.b does not apply to this Coverage Extension. 3.This Coverage Extension does not apply to: a."Stock"; or b.Property that is licensed, leased or rented to others. 4.The following exclusions as described in Section B.,Exclusions,of the Businessowners Special Property CoverageForm do not apply to this Coverage Extension: a.Paragraph 1.j.; and b.Paragraph 1.k. 5.The following additional exclusions apply: With respect to this Coverage Extension,we will not pay for loss or damage caused directly or indirectly by any of thefollowing.Such loss or damage is excluded regardless of any other cause or event that contributes concurrently or inany sequence to the loss. a.Programming errors or omissions,or incorrect instructions to a machine,including without limitation,incorrectinstructionsto"electronic data processing equipment"from a user incorrectly operating with,or committing anerrorusing,an input device (including,without limitation,a keyboard,mouse or touchpad)and corrupting,distorting, deleting, damaging or destroying "electronic data." b.Misappropriation,theft,copying,transfer or unauthorized viewing of any property,proprietary or confidentialinformation,"money,""securities,""stock,""electronic data processing equipment""electronic media and data"or"electronic data"including without limitation,the use of any computer to cause such misappropriation,transfer orcopying. c.Errors or deficiency in design,installation,maintenance,repair or modification of your "electronic data processingequipment,""electronic media and data"or "electronic data"or any "electronic data processing equipment,"electronic devices,computer system or network to which your "electronic data processing equipment""electronicmediaanddata"or "electronic data"is connected or dependent;provided,however,this exclusion shall not applywithrespecttoanysucherrorordeficiencyindesign,installation,maintenance,repair or modification that isexploited as part of an otherwise covered " targeted hacker attack." HIJKLMN SB300129C(Ed. 10-19) SB300129C (Ed. 10-19)Page 2 of 2 Copyright CNA All Rights Reserved. d.Unexplained or indeterminable failure,malfunction or slowdown of an "electronic data processing equipment""electronic media and data" or "electronic data." e.Suspension,interruption,delay,disruption,loss of functionality of,inaccessibility to,or inability to use orcommunicatewith,any "electronic data processing equipment,""electronic media and data,""electronic data,"computer resource, electronic device, computer system, computer network or equipment. f."Mass attack malware." g."Mass system penetration." 6.The following definitions apply to this Coverage Extension: a.Business Income means: (1)Net Income (Net Profit or Loss before Income taxes) that would have been earned or incurred, including; plus (2)Continuing normal operating expenses incurred, including payroll. b.Extra Expense means reasonable and necessary expenses you incur during the "period of restoration"that youwouldnothaveincurrediftherehadbeennonecessaryinterruptionorsuspensionofyour"electronic dataprocessingequipment"resulting from a "targeted hacker attack"that corrupts,distorts,deletes,damages ordestroysyour"electronic data."Provided,however,that Extra Expense shall not mean the costs you incur tocopy, research, replace or restore "electronic data." 7.For purposes of this Coverage Extension only,the definition for "period of restoration"as set forth in theBusinessownersSpecialPropertyCoverageFormischangedtothefollowing(the definition shall remainedunchanged with respect to all other parts of the policy): "Period of restoration" means the period of time that: a.Begins on the date and time of the necessary interruption or suspension of your "electronic data processingequipment"; and b.Ends on the date and time that the necessary interruption or suspension of your "electronic data processingequipment" ends, or would have ended had you acted with due diligence and dispatch. Provided,however,that "period of restoration"shall not mean more than,or exceed,thirty (30)days.The expirationdate of this policy will not cut short the "period of restoration." 8.We shall not be liable for any payment for the "extra expense"you incur,and loss of Business Income you sustain,during the first 12 hours following the date and time the necessary interruption or suspension of your "electronic dataprocessingequipment"begins;provided,however,if the "business income and extraexpense"–72 Hour Deductible endorsement is part of this policy,the "12 hours"reference in this paragraph shall bechanged to "72 hours" and the 72 hour deductible stated in that endorsement shall apply with respect to this CoverageExtension. 9.The most we will pay in the aggregate under this Coverage Extension and the policy for all corruption,distortion,deletion,damage,destruction or any other harm to "electronic data"(combined)caused by or resulting from a"targeted hacker attack,"during each separate 12 month period of this policy beginning with the effective date of thispolicy, is $25,000 or the limit shown on the Declaration page. 10.The most we will pay in the aggregate under this Coverage Extension and the policy for all "extra expense" and loss of"business income" (combined) during each separate 12 month period of this policy beginning with the effective date ofthis policy is $25,000. ªH " ( ¢ # u h 2 { 9 ¥ 4 ; « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 5 4 SB300166B(Ed. 4-20) SB300166B (Ed. 4-20)Page 1 of 2 Copyright, CNA All Rights Reserved. EXCLUSION – SUBSIDENCE (CA, CO, NV)EXCLUSION – SUBSIDENCE – RESIDENTIAL (All Other States) This endorsement modifies insurance provided under the following: BUSINESSOWNERS LIABILITY COVERAGE FORM I.SUBSIDENCE EXCLUSION A.The following exclusion is added to Paragraph B.1. Exclusions applicable to Business Liability Coverage andapplies only to the states of California, Colorado and Nevada: This insurance does not apply to "property damage" included in the "products-completed operations hazard"arising out of the subsidence of land. This exclusion applies whether such "property damage" arises solely fromsubsidence or from subsidence in combination with other causes, whether natural or man made. B.With respect to this Paragraph 1. of this endorsement, subsidence means earth movement including but notlimited to: a.Landslide; b.Mudflow; c.Earth sinking; d.Earth rising; e.Collapse or movement of fill; f.Improper compaction; g.Earth settling, slipping, falling away, caving in, eroding or tilting; h.Earthquake; or i.Any other movement of land or earth. II.SUBSIDENCE EXCLUSION – RESIDENTIAL A.The following exclusion is added to Paragraph B.1. Exclusions applicable to Business Liability Coverage andapplies to all states, counties or parishes designated in paragraph 2.C. below, other than California, Colorado orNevada. This insurance does not apply to "property damage" included in the "products-completed operations hazard"arising out of the subsidence of land and which involves the construction of residential structures. This exclusionapplies whether such "property damage" arises solely from subsidence or from subsidence in combination withother causes, whether natural or man made. B.As used in this endorsement: 1.Subsidence means earth movement including but not limited to: a.Landslide; b.Mudflow; c.Earth sinking; d.Earth rising; e.Collapse or movement of fill; f.Earth settling, slipping, falling away, caving in, eroding or tilting; g.Earthquake; or h.Any other naturally occurring movement of land or earth. HIJKLMN SB300166B(Ed. 4-20) SB300166B (Ed. 4-20)Page 2 of 2 Copyright, CNA All Rights Reserved. 2.Residential structure means any structure where 30% or more of the square foot area is used or is intendedto be used for human residency including but not limited to single or multifamily housing, apartments,condominiums, townhouses, co-operatives or planned unit developments and also includes their commonareas and/or appurtenant structures (including pools, hot tubs, detached garages, guest houses or any similarstructures). When there is no individual ownership of units, residential structure does not include militaryhousing, college/university housing or dormitories, long term care facilities, hotels, or motels. Residentialstructure also does not include hospitals or prisons. 3.Construction means any and all aspects of the erection of structures, including but not limited to design, sitepreparation, specifications, planning, building, materials, supervision or observation of construction.Construction also includes new construction, conversion, reconstruction, rehabilitation, renovation,remodeling, repair, maintenance or demolition. C.Paragraph II. of this endorsement, applies only to the following states, counties or parishes: All other terms and conditions of the Policy remain unchanged. ªH " ( ¢ # u h 2 { 9 ¥ 5 H « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 5 5 SB-300441-A(Ed. 01/07) SB-300441-A Page 1 of 6(Ed. 01/07) FIDUCIARY LIABILITY COVERAGE FORM THIS IS A CLAIMS MADE COVERAGE FORM.PLEASE READ ALL PROVISIONS AND CONTACT YOUR AGENT IFYOUHAVEANYQUESTIONS.THIS INSURANCE APPLIES ONLY TO "WRONGFUL ACTS"THAT OCCUR BETWEENTHERETROACTIVEDATEANDTHEENDOFTHE"POLICY PERIOD."THIS INSURANCE APPLIES ONLY TO"CLAIMS"FIRST MADE AGAINST THE INSURED AFTER THE INCEPTION DATE AND BEFORE THE END OF THE"POLICY PERIOD"OR ANY APPLICABLE EXTENDED REPORTING PERIOD AND REPORTED TO US INACCORDANCEWITHTHEPROVISIONSOFTHISFORM.UPON TERMINATION OF YOUR POLICY AN AUTOMATICEXTENDEDREPORTINGPERIODWILLBEPROVIDED,AND A SUPPLEMENTAL EXTENDED REPORTING PERIODWILL BE AVAILABLE. Various provisions in this Coverage Form restrict coverage.Read the entire Coverage Form carefully to determine rights,duties and what is and is not covered. Throughout this Coverage Form the terms "you" and "your" refer to the Named Insured shown in the Declarations,and anyotherpersonororganizationqualifyingasaNamedInsuredunderthispolicy."The terms "we,""us"and "our"refer to theStock Insurance Company named on the Declarations providing this insurance. The word "insured" means any person or organization qualifying as such under Section II – Who Is An Insured. Other words and phrases that appear in quotation marks have special meaning. Refer to Section III – Definitions. SECTION I – INSURING AGREEMENTS A.Coverage We will pay those sums in excess of the deductibleandsubjecttothelimitsofliabilitythattheInsuredbecomeslegallyobligatedtopayas"damages"because of a claim resulting from a "wrongful act"provided: 1.The "wrongful act"takes place in the "coverageterritory"; 2.The "wrongful act"did not occur before theRetroactiveDate,if any,shown in theDeclarationsnoraftertheendofthe"policyperiod"; and 3.A "claim"arising out of a "wrongful act"is firstmadeagainstaninsured,during the "policyperiod"or Extended Reporting Period,ifapplicableandisreportedtousinaccordancewith Section VIII,Conditions,paragraph C,Dutiesin the event of a "Claim"; and 4.Prior to the inception date of this Coverage Form: a.The Insured did not give notice to a priorinsurer of a "related claim"; b.The Insured did not give notice to a priorinsurerofanysuch"wrongful act"or"interrelated wrongful act." No other obligation or liability to pay sums or performactsorservicesiscoveredunlessexplicitlyprovided for under paragraph 1.D.–SupplementaryPayments B.Defense We have the right and duty to defend all "suits,"eveniftheallegationsaregroundless,false or fraudulent.We shall have the right to appoint counsel and tomake such investigation and defense of a "suit"as wedeemnecessary.Alternatively we may,at our option,give our written consent to the defense of any such"suit"to the insured.Our obligation to defend any"suit"or pay any "damages"and "defense expenses"for any "claim"shall be completely fulfilled andextinguishedifthelimitofinsurancehasbeenexhaustedbypaymentof"damages"or "defenseexpenses." C.Consent To Settle We shall not settle a "claim"without your writtenconsent.If you refuse to consent to a settlement orcompromiserecommendedbyus,and acceptable totheclaimant,then the applicable limit of insuranceunderthisCoverageFormshallbereducedtotheamountforwhichthe"claim"could have been settledplusall"defense expenses"incurred up to the timewe made our recommendation. D.Supplementary Payments We will pay,with respect to any "claim"or "suit"weinvestigateorsettle,or any "suit"against an insuredwedefendall"defense expenses."These payments HIJKLMN SB-300441-A(Ed. 01/07) SB-300441-A Page 2 of 6(Ed. 01/07) are included within and reduce the Limits ofInsurance. SECTION II – WHO IS AN INSURED A.If you are designated in the Declarations as: 1.A partnership or joint venture,you are an insured.Your partners or members are also insureds. 2.A limited liability company,you are an insured.Your members and managers are also insureds. 3.An organization other than a partnership,jointventureorlimitedliabilitycompany,you are aninsured.Your directors,officers and trustees arealso insureds. B.Your "plans"and their employees,directors,officersand trustees are also insureds. D.Your employees are also insureds,unless otherwiseexcluded in this policy. E.Any organization you newly acquire or form,otherthanapartnership,joint venture or limited liabilitycompany,and over which you maintain ownership ormajorityinterest,will qualify as a Named Insured if noothersimilarinsuranceappliestothatorganization.You must notify us of such acquisition or formation assoonaspracticable.However,coverage under thisprovision: 1.Is afforded only until the 90th day after youacquireorformtheorganization,or until the endof the "policy period," whichever is earlier; and 2.Does not apply to an offense committed beforeyou acquired or formed the organization. No person or organization is an insured with respect to theconduct of any current or past partnership,joint venture orlimitedliabilitycompanythatisnotshownasaNamedInsured in the Declarations. SECTION III – DEFINITIONS The following defined words shall havethe same meaning throughout this CoverageForm,whether expressed in the singularor the plural. A."Claim" means: 1.A "suit"; or 2.A written demand for monetary or non-monetarydamagesmadeagainstaninsured,arising out ofa "wrongful act," B."Coverage territory" means: 1.The United States of America (including itsterritories or possessions) and Puerto Rico; or 2.All parts of the world if the "insured's"responsibility to pay "damages" is determined in a "suit"on the merits brought in the territorydescribedinParagraph1.above or in asettlement of a "claim" that we agree to. C."Damages"means sums,settlements,judgments(including any award of pre-judgment and post-judgment interest)for which you are legally obligatedtopayonaccountofacovered"claim.""Damages"shall not include: 1.Any taxes,sanctions,criminal or civil fines,orpenalties imposed by law other than: a.The five percent or less or the twenty percentor less penalty imposed upon an insured as aFiduciaryunderSection502(i)or 502(l)ofERISA; b.Those civil fines or penalties imposed under42USC1320d-5(a)the Health InsurancePortabilityandAccountabilityActof1996providedhoweverthatourmaximumlimitofinsuranceforallsuchfinesandpenaltiesshall be $10,000 in the aggregate,regardlessofthenumberof"claims"made or InsuredscoveredunderthisCoverageForm.Thissublimitofinsuranceispartofandnotinadditiontothelimitofinsurancesetforthonthe Declarations. 2.Any amount for which an "insured person"isabsolvedfrompaymentbyreasonofanycovenant, agreement or court order; 3.Any matters deemed uninsurable under the lawpursuant to which this Policy is construed. Notwithstanding anything to the contrary above,"damages"shall include punitive or exemplarydamages,if insurable,to the fullest extent permittedbyanyapplicablelaw.Where you reasonablydeterminethatpunitive,exemplary or multipledamagesareinsurableunderanyapplicablelaw,weshall not challenge that determination of insurability. D."Defense expenses"means all fees charged byattorneys designated by us, or by you, with our writtenconsentandallotherreasonableandnecessaryfees,costs and expenses resulting from the investigation,adjustment,defense and appeal of a "claim"ifincurredbyusoryouwithourwrittenconsent,including the costs of appeal,attachment or similarbonds.We have no obligation to provide such bonds."Defense Expenses"shall not include salaries,wages,fees,overhead or benefit expensesassociatedwiththedirectors,officers,and employeesof yours. E."Domestic Partner"means any person qualifying assuchunderanyfederal,state or local laws or underyour employee benefit plans. F."ERISA or any Similar Act"means the EmployeeRetirementIncomeSecurityActof1974,as ªH " ( ¢ # u h 2 { 9 ¥ 6 U « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 5 6 SB-300441-A(Ed. 01/07) SB-300441-A Page 3 of 6(Ed. 01/07) amended,or any similar common or statutory law ofthe United States, Canada or their states, territories orprovincesoranyotherjurisdictionanywhereintheworld. G."Executive officer"means your chairperson,chiefexecutiveofficer,president,chief financial officer andin-house general counsel; H."Insured Persons"means all of those natural personinsuredswhoareyourpartners,trustees,members,managers,"executive officers,"directors andemployees I."Interrelated Wrongful Acts"means any "wrongfulacts"which are logically or causally connected byreasonofanycommonfact,circumstance,situation,transaction or event. J "Pension Plan"means any employee pensionbenefitplanasdefinedin29U.S.C.§1002 subject toregulationunder"ERISA or any Similar Act.""Pensionplan"shall not include an excess benefit plan asdefinedin29U.S.C.§1002 or an employee stockownership plan as defined in 26 U.S.C. §4975. K."Plan" means: a.Any "welfare plan"which was,is now,orhereafterbecomes,sponsored solely by you,orsponsored jointly by you and a labor organization,solely for the benefit of your employees; b.Any "pension plan"which was,on or prior to theeffectivedateofthisPolicy,sponsored solely byyou,or sponsored jointly by you and a labororganization,solely for the benefit of youremployees; c.Any "pension plan"which,after the effective dateofthisPolicy,becomes sponsored solely by you,or jointly by you and a labor organization,solelyforthebenefitofyouremployees,if and to theextentcoveragewithrespectsuch"pension plan"is afforded pursuant to Section XIV.1 of theGeneral Terms & Conditions of this Policy; or d.Any government-mandated insurance for workers'compensation,unemployment,social security ordisabilitybenefitsforemployeesofNamedCompany or any Subsidiary. L."Welfare Plan"means any employee welfare benefitplanasdefinedin29U.S.C.§1002 subject toregulationunderERISAoranySimilarAct.WelfarePlanshallnotincludeanexcessbenefitplanasdefined in 29 U.S.C. §1002. M."Policy Period"means the period from the effectivedateofthisCoverageFormtotheexpirationdatestatedontheDeclarations,or its earlier cancellationdate. N."Pollutants"means any substance exhibitinghazardouscharacteristicsas,is or may be defined or identified on any list of hazardous substances issuedbytheUnitedStatesEnvironmentalProtectionAgencyoranystateorlocalorforeigncounterpart."Pollutants"also means,without limitation,any solid,liquid,gaseous or thermal irritant or contaminant,including smoke,vapor,soot,fumes,acids,alkalis,chemicals or waste (including materials to berecycled,reconditioned or reclaimed),as well as anyairemission,odor,waste water,oil or oil products,infectious or medical waste,asbestos,or asbestosproducts or any noise. O."Related claims"mean all claims arising out of asingle"wrongful act"or arising out of "interrrelatedwrongful acts." P."Suit"means a formal civil,criminal,administrative,or regulatory proceeding or investigation or anarbitrationagainstan"insured,"including any appealtherefrom. Q."Wrongful act"means any actual or alleged error,misstatement,misleading statement,act,omission,neglect or breach of duty by the insureds in thedischargeoftheirdutiesintheircapacities,or solelybyreasonoftheirstatusasfiduciariesoradministrators(as defined in "ERISA or any similaract") of any "plan," including, without limitation: (i)Counseling employees,beneficiaries or "plan"participants with respect to any "plans"; (ii)Providing interpretations with respect to any"plan"; (iii)Handling records in connection with any "plan"; (iv)Enrolling,terminating or canceling employeesunder any "plan"; or (v)Otherwise performing or failing to perform "ERISAoranysimilaract"obligations relating to any"plan." SECTION IV– EXTENDED REPORTING PERIOD A.If the first Named Insured cancels or non-renews thisCoverageFormorifwedecidenottoofferanyrenewaltermsforthisCoverageForm,the firstNamed Insured shall have the right to purchase,uponpaymentofanadditionalpremiumnottoexceed200%of the annual premium for this coverage,anextensionofthisCoverageFormforaperiodof12monthsimmediatelyfollowingtheendofthe"policyperiod,"but only with respect to any "wrongful act"committed before the earlier of the end of the "policyperiod"; This period shall be referred to as the ExtendedReporting Period. B.As a condition precedent to the right to purchase theExtendedReportingPeriod,the total premium for thisCoverageFormmusthavebeenpaid.The right topurchasetheExtendedReportingPeriodshallend SB-300441-A(Ed. 01/07) SB-300441-A Page 4 of 6(Ed. 01/07) unless we receive written notice and full payment ofthepremiumforsuchperiodwithin30daysaftertheend of the "policy period." C.If the Extended Reporting Period is purchased,theentirepremiumshallbedeemedfullyearnedatitscommencementwithoutanyobligationbyustoreturnany portion thereof. D.There is no separate or additional limit of insurancefor the Extended Reporting Period. SECTION V- LIMIT OF INSURANCE Your rights and ours are stated in the attached SingleLimitofInsuranceEndorsementForEmploymentPractices/Fiduciary Liability Coverage Forms SECTION VI - EXCLUSIONS A.Exclusions Applicable to Damages and DefenseExpenses We will not be liable to pay any "damages"or"defense expenses"under this Coverage Form inconnection with any "claim" made against an insured: 1.Bodily Injury/Property Damage For any actual or alleged bodily injury (includingdeath),sickness,disease of any person,ordamagetoordestructionofanytangiblepropertyincluding loss of use; 2.Violation of Law For any actual or alleged violation of any lawgoverningworkers'compensation,unemploymentinsurance,social security,disability benefits oranyothersimilarfederal,state or local statutoryorregulatorylaworcommonlawanywhereintheworldexcepttheConsolidatedOmnibusBudgetReconciliationActof1985ortheHealthInsurancePortabilityandAccountabilityActof1996oranyamendmentstosuchlawsoranyrulesorregulationspromulgatedundersuchlaws. 3.Pollution Based upon,directly or indirectly arising out of orinanywayinvolving:any nuclear reaction,radiation or contamination,or any actual,allegedorthreateneddischarge,release,escape,ordisposalof,or exposure to,"pollutants";anyrequest,direction or order that any of theinsuredstestfor,monitor,clean up,remove,contain,treat,detoxify,neutralize or in any wayrespondtoorassesstheeffectof"pollutants"ornuclearreaction,radiation or contamination,oranyvoluntarydecisiontodoso;or any actual orallegedpropertydamage,or bodily injury,sickness,disease or death of any personresulting from any of the aforementioned matters. 4.Prior Wrongful Acts of Subsidiaries For: (a)Any "wrongful act"by an insured of any ofyoursubsidiaries,or by such subsidiaryoccurringbeforethedatesuchentitybecamea subsidiary, or (b)Any other "wrongful act,"wheneveroccurring,which,together with a "wrongfulact"described in (a)above,would constitute"interrelated wrongful acts." 5.Assumed Liability Based upon,directly or indirectly arising out of orinanywayinvolvingtheinsured's assumption ofthe liability of others in any oral or written contractoragreement,unless such liability would haveattachedtoanInsuredintheabsenceofsuchagreement. B.Exclusions Applicable to Non-Monetary Relief We will not be liable to pay any "damages"under thisCoverage Form that represent: 1.The return or reversion to you of any contributionor asset of any "plan"; 2.Any costs incurred by an insured to comply withanyorderforremedial,preventive,injunctive orothernon-monetary relief,or to comply with anagreement to provide such relief; 3.Benefits due or to become due under any "plan,"or benefits which would be due under any "plan"if such "plan"complied with all applicable law,except to the extent that: i.An "insured person"is legally obligated topaysuchbenefitsasapersonalobligation,and ii.Recovery for the benefits is based upon acovered "wrongful act"; or 4.An employer's contributions owed to a "plan"andotheramountsforwhichtheinsuredsarelegallyobligatedtopaybyreasonofthefailuretocollectsuch contributions. SECTION VII – CONDITIONS A.Bankruptcy Bankruptcy or insolvency of the insured or of the"insured's"estate will not relieve us of our obligationsunder this policy. B.Duties In The Event Of A "Claim" 1.If,during the "policy period'or any ExtendedReportingPeriod,if applicable,any "claim"is firstmadeagainstthe"insured,"the insured shall,asaconditionprecedenttoourobligationsunderthisCoverageForm,give us written notice as ªH " ( ¢ # u h 2 { 9 ¥ 7 b « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 5 7 SB-300441-A(Ed. 01/07) SB-300441-A Page 5 of 6(Ed. 01/07) soon as practicable but in no event later thanninety(90)days after the end of the "policyperiod"or the Extended Reporting Period,ifapplicable. 2.You must: a.Immediately send us copies of any demands,notices, summonses or legal papers receivedin connection with the "claim"; b.Authorize us to obtain records and otherinformation; and c.Cooperate with us in the investigation orsettlementofthe"claim"or defense of the"suit." 3.No insured shall voluntarily make a payment,assume any obligation,or incur any expensewithout our written consent. C.Duties in the Event of A "Wrongful Act"That MayResult In A "Claim" If,during the "policy period,"you first become awareofaspecific"wrongful act"which may reasonablygiverisetoafuture"claim,"and during the "policyperiod" give written notice to us of: 1.The names of any potential claimants and adescriptionofthe"wrongful act"which forms thebasis of their potential "claim"; 2.The identity of the specific insureds allegedlyresponsible for such specific "wrongful act"; 3.The consequences which have resulted or mayresult from such specific "wrongful act"; 4.The nature of the potential monetary damageswhichmaybesoughtinconsequenceofsuchspecific "wrongful act"; and 5.The circumstances by which you first becameaware of such specific "wrongful act"; Then any "claim"otherwise covered pursuant to thisCoverageFormwhichissubsequentlymadeandwhicharisesoutofsuch"wrongful act"shall bedeemedtohavebeenfirstmadeandreportedtousby you at the time we received such written notice.Nocoverageisprovidedforfeesandexpensesincurredprior to the time such notice results in a "claim." D.When a "Claim" is Deemed Made A "claim" shall be deemed made: 1.In the case of a civil,criminal,administrative orregulatoryproceedingorarbitration,on theearliestofthedateofserviceuponorotherreceiptbytheinsuredofacomplaint,indictment,notice of charge or similar document against theinsured in such proceeding or arbitration; 2.In the case of an investigation,on the earliest ofthedateofserviceuponorotherreceiptbytheinsuredofawrittennoticeorsubpoenafromtheinvestigatingauthorityidentifyingsuch"insuredperson"as an individual against whom a formalproceeding may be commenced; 3.In the case of a written demand for monetarydamagesornonmonetaryrelief,upon theinsured's receipt of such written demand. E.Other Insurance The Other Insurance clause,Section H.of theCommonPolicyConditionsisdeletedandreplacedwith the following: If any "damages"and "defense expenses"resultingfromany"claim"are insured under any other policies,this Coverage Form shall apply only to the extent the"damages"and "defense expenses"exceed theamountpaidundersuchotherinsurance,whethersuchotherinsuranceisstatedtobeprimary,contributory,excess,contingent or otherwise,unlesssuchotherinsuranceiswrittenonlyasspecificexcess insurance over this Coverage Form. F.Section IV.Estates,Legal Representatives andSpouses/Domestic Partners Section L. of the Common Policy Conditions,TransferOfYourRightsAndDutiesUnderThisPolicy,isdeleted in its entirety and replaced as follows: The estates,heirs,legal representatives,assigns,spouses and any "domestic partner"of "insuredpersons"shall be considered insureds under thisCoverageForm;provided,however,coverage isaffordedtosuchestates,heirs,legal representatives,assigns and spouses only for a "claim "arising solelyoutoftheirstatusassuchand,in the case of aspouseor"domestic partner,"where such "claim"seeks damages from marital community property,jointly held property or property transferred from the"insured person"to the spouse or "domestic partner."No coverage is provided for any act,error or omissionof an estate, heir, legal representative, assign, spouseor"domestic partner."All terms and conditions of thisCoverageForm,including without limitation thedeductibleapplicableto"damages"and "defenseexpenses"incurred by the "insured person"shall alsoapplyto"damages"and "defense expenses"incurredbysuchestates,heirs,legal representatives,assigns,spouses and "domestic partners." G.No Action Against Us 1.No action shall be taken against us unless,as aconditionprecedent,there shall have been fullcompliancewithalltheprovisionsofthisCoverageFormnoruntiltheamountofyourobligationtopayshallhavebeenfinallydeterminedeitherbyfinalandnonappealable SB-300441-A(Ed. 01/07) SB-300441-A Page 6 of 6(Ed. 01/07) judgment against you after trial or by writtenagreement by you, the claimant and us. 2.No person or organization shall have any rightunderthisCoverageFormtojoinusapartytoany"suit"against you to determine your liability,nor shall we be impleaded by you or your legalrepresentatives in any such "suit." H.Transfer Of Rights Of Recovery Against Others ToUs If the insured has rights to recover all or part of anypaymentwehavemadeunderthisCoverageFormthoserightsaretransferredtous.The insured mustdonothingaftera"claim"is made to impair them.Atourrequest,the insured will bring "suit"or transferthose rights to us and help us enforce them. In no event shall the insured be entitled to recoupfromrecoveriesanyamounttosatisfyanydeductibleuntil after all amounts which we are required to pay ordopayunderthisCoverageFormarereimbursedtous. I.Transfer Of Duties When Limit Of Insurance IsExhausted 1.If we conclude that,based on "claims"whichhavebeenreportedtousandtowhichthisinsurancemayapply,the limit of insurance islikelytobeexhaustedinthepaymentof"damages"or "defense expenses,"we will notifythe first named insured, in writing, to that effect; 2.When the limit of insurance has actually beenexhaustedbypaymentsof"damages"or"defense expenses," we will: a.Notify the first "named insured"in writing,assoonaspracticable,that such limit has beenexhaustedandthatourobligationsunderthisCoverageFormshallbedeemedcompletelyfulfilled and extinguished; b.Initiate,and cooperate in,the transfer ofcontrol,to any appropriate insured,of allopen "claims" to you; and c.Take such steps,as we deem appropriate,toavoidadefaultin,or continue the defense of,such "claims"until such transfer is completed,provided you are cooperating incompleting such transfer. 3. Upon receipt of such notice, you, must: a.Cooperate in the transfer of control of"claims"; and b.Arrange for the defense of such "claim"withinsuchtimeperiodasagreedtobetweenyouandus.Arrangements for the defense ofsuch"claim"must be made as soon aspracticable. 4.We will take no action with respect to defense forany"claim"if such "claim"is reported to us aftertheapplicablelimitofinsuranceisexhausted.Itbecomestheyourresponsibilitytoarrangedefense for such "claim." 5.You will reimburse us as soon as practicable forexpenses we incur in taking those steps we deemappropriateinaccordancewithParagraph2.above. 6.The exhaustion of the applicable limit ofinsuranceandtheresultingendofourdutytodefendwillnotbeaffectedbyourfailuretocomplywithanyoftheprovisionsofthisCondition. J.Named Insured Authorization The insureds agree that the first named insured willactonbehalfofallinsuredswithrespecttogivingofall notice to us (except notices provided in Section VII.Paragraph B and C),the receipt of notices from us,the payment of the premiums,the receipt of anyreturnpremiumsthatmaybecomedueunderthisCoverageForm,and the acceptance ofendorsements. K.Assignment of Interest Assignment of interest under this Coverage Formshall not bind us unless its consent is endorsed to thisCoverage Form. L.Common Policy Conditions Unless otherwise stated in this Coverage Form,all ofthetermsandconditionsoftheBusinessownersCommonPolicyConditionsshallbeincludedandincorporated into this Coverage Form. ªH " ( ¢ # u h 2 { 9 ¥ 8 o « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 5 8 SB-300449-A(Ed. 01/07) SB-300449-A Page 1 of 1(Ed. 01/07) SINGLE LIMIT OF INSURANCE ENDORSEMENT FOREMPLOYMENTPRACTICES/FIDUCIARY LIABILITY COVERAGE FORMS In consideration of the premium paid for this Policy,it is hereby understood and agreed that the following endorsement isapplicabletotheEmploymentPracticesLiabilityandFiduciaryLiabilityCoverageForms: SINGLE LIMIT OF INSURANCE/DEDUCTIBLE A. The Employment Practices/Fiduciary Liability singlelimitofinsuranceshownintheDeclarationsandsubjecttotheprovisionsoftheEmploymentPracticesLiabilityandFiduciaryLiabilityCoverageFormsisthetotalamountwewillpayas"damages"and "defenseexpenses"under both the Employment PracticesLiabilityandFiduciaryLiabilityCoverageFormscombined,regardless of the number of insureds,"claims"made or persons or entities making "claims"under such Coverage Forms.If "related claims"aresubsequentlymadeagainsttheinsuredandreportedtous,all such "related claims,"whenever made,shallbeconsideredasingle"claim"first made and reportedtouswithinthe"policy period"in which the earliest ofthe "related claims" was first made and reported to us. B.The Employment Practices/Fiduciary Liability singlelimitofinsuranceshownintheDeclarationsshallbeourmaximumaggregatelimitofinsuranceforall"damages"and "defense expenses"under theEmploymentPracticesLiabilityandFiduciaryLiabilityCoverageFormscombined,regardless of the numberof: 1.Insureds; 2."Claims"; 3."Damages" or "defense expenses" incurred; or 4.Claimants; Our obligations under both the Employment PracticesLiabilityandFiduciaryLiabilityCoverageForms,shallbecompletelyfulfilledandextinguishediftheEmploymentPractices/Fiduciary Liability single limit ofinsuranceisexhaustedbypaymentof"damages"or"defense expenses." C.We will pay "damages"and "defense expenses"inexcessoftheEPLDeductibleshownontheDeclarations,up to the applicable EmploymentPractices/Fiduciary Liability single limit of insurance. Example No. 1 EPL Deductible: $5,000 Employment Practices/Fiduciary Single Limit ofInsurance: $100,000 "Damages" and "Defense Expenses": $75,000 The EPL Deductible will be subtracted from theamountof"damages"and "defense expenses"incalculating the amount payable: $75,000 - $5,000 = $70,000 Amount Payable Example No. 2 EPL Deductible: $5,000 Employment Practices/Fiduciary Single Limit ofInsurance: $100,000 "Damages"and "Defense Expenses":$120,000TheEPLDeductiblewillbesubtractedfromtheamountof"damages"and "defense expenses"($120,000 - $5,000 = $115,000). Since the amountofthe"damages"and "defense expenses"minustheEPLDeductibleexceedstheEmploymentPractices/Fiduciary Liability single limit ofinsurance,the policy will pay the full EmploymentPractices/Fiduciary Liability Single Limit ofInsurance ($100,000). D.Subject to Paragraph E.below,we may pay any partoralloftheEPLDeductibleamounttoeffectsettlementofany"claim"and,upon notification of theactiontaken,you shall promptly reimburse us for suchpartoftheEPLDeductibleamountashasbeenpaidby us. E..No deductible applies with respect to any "claim"against any "insured person"if you are not permittedtoadvance"defense expenses"or to indemnify such"insured person" for "damages" by reason of: 1.Financial insolvency; or 2.A good faith determination by you that suchpaymentisnotpermittedunderthebroadestconstruction of applicable law HIJKLMN SB-300450-A(Ed. 01/07) SB-300450-A Page 1 of 7(Ed. 01/07) EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM THIS IS A CLAIMS MADE COVERAGE FORM.PLEASE READ ALL PROVISIONS AND CONTACT YOUR AGENT IFYOUHAVEANYQUESTIONS.THIS INSURANCE APPLIES ONLY TO "WRONGFUL ACTS"THAT OCCUR BETWEENTHERETROACTIVEDATEANDTHEENDOFTHE"POLICY PERIOD."THIS INSURANCE APPLIES ONLY TO"CLAIMS"FIRST MADE AGAINST THE INSURED AFTER THE INCEPTION DATE AND BEFORE THE END OF THE"POLICY PERIOD"OR ANY APPLICABLE EXTENDED REPORTING PERIOD AND REPORTED TO US INACCORDANCEWITHTHEPROVISIONSOFTHISFORM.UPON TERMINATION OF YOUR POLICY AN AUTOMATICEXTENDEDREPORTINGPERIODWILLBEPROVIDED,AND A SUPPLEMENTAL EXTENDED REPORTING PERIODWILL BE AVAILABLE. Various provisions in this Coverage Form restrict coverage.Read the entire Coverage Form carefully to determine rights,duties and what is and is not covered. Throughout this Coverage Form the terms "you" and "your" refer to the Named Insured shown in the Declarations,and anyotherpersonororganizationqualifyingasaNamedInsuredunderthispolicy."The terms "we,""us"and "our"refer to theStock Insurance Company named on the Declarations providing this insurance. The word "insured" means any person or organization qualifying as such under Section II – Who Is An Insured. Other words and phrases that appear in quotation marks have special meaning. Refer to Section III – Definitions. SECTION I - INSURING AGREEMENTS A.Coverage We will pay those sums in excess of the deductibleandsubjecttothelimitsofliabilitythattheInsuredbecomeslegallyobligatedtopayas"damages"because of a "claim"resulting from a "wrongfulemployment practice" provided: 1.The "wrongful employment practice" takes place inthe "coverage territory"; 2.The "wrongful employment practice"did not occurbeforetheRetroactiveDate,if any,shown in theDeclarationsnoraftertheendofthe"policyperiod"; and 3.A "claim"arising out of a "wrongful employmentpractice"is first made against an insured,duringthe"policy period"or Extended Reporting Period,if applicable and is reported to us in accordancewithSectionVIII,Conditions,paragraph C,Dutiesin the event of a "Claim"; and 4.Prior to the inception date of this Coverage Form: a.the Insured did not give notice to a priorinsurer of a "related claim"; b.the Insured did not give notice to a priorinsurerofanysuch"wrongful employmentpractice" or "interrelated wrongful employmentpractice." No other obligation or liability to pay sums or performactsorservicesiscoveredunlessexplicitlyprovidedfor under paragraph 1.D. – Supplementary Payments B.Defense We have the right and duty to defend all "suits,"even iftheallegationsaregroundless,false or fraudulent.Weshallhavetherighttoappointcounselandtomakesuchinvestigationanddefenseofa"suit"as we deemnecessary.Alternatively we may,at our option,giveour written consent to the defense of any such "suit"totheinsured.Our obligation to defend any "suit"or payany"damages"and "defense expenses"for any"claim"shall be completely fulfilled and extinguished ifthelimitofinsurancehasbeenexhaustedbypaymentof "damages" or "defense expenses." C.Consent To Settle We shall not settle a "claim"without your writtenconsent.If you refuse to consent to a settlement orcompromiserecommendedbyus,and acceptable totheclaimant,then the applicable limit of insuranceunderthisCoverageFormshallbereducedtotheamountforwhichthe"claim"could have been settledplusall"defense expenses"incurred up to the time wemade our recommendation. D.Supplementary Payments We will pay,with respect to any "claim"or "suit"weinvestigateorsettle,or any "suit"against an insuredwedefendall"defense expenses."These paymentsare included within and reduce the Limits of Insurance. HIJKLMN ªH " ( ¢ # u h 2 { 9 ¥ 9 | « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 5 9 SB-300450-A(Ed. 01/07) SB-300450-A Page 2 of 7(Ed. 01/07) SECTION II – WHO IS AN INSURED A.If you are designated in the Declarations as: 1.A partnership or joint venture,you are an insured.Your partners or members are also insureds. 2.A limited liability company,you are an insured.Your members and managers are also insureds. 3.An organization other than a partnership,jointventureorlimitedliabilitycompany,you are aninsured.Your "executive officers"and directorsare also insureds. B.Your "employees"are also insureds,unless otherwiseexcluded in this policy. C.Any organization you newly acquire or form,other thanapartnership,joint venture or limited liability company,and over which you maintain ownership or majorityinterest,will qualify as a Named Insured if no othersimilarinsuranceappliestothatorganization.Youmust notify us of such acquisition or formation as soonaspracticable.However,coverage under thisprovision: 1.Is afforded only until the 90th day after youacquire or form the organization, or until the end ofthe policy period, whichever is earlier; and 2.Does not apply to an offense committed beforeyou acquired or formed the organization. No person or organization is an insured with respect to theconductofanycurrentorpastpartnership,joint venture orlimitedliabilitycompanythatisnotshownasaNamedInsured in the Declarations. SECTION III – DEFINITIONS The following defined words shall have the same meaningthroughoutthisCoverageForm,whether expressed in thesingular or the plural. A."Claim"means a "suit"or written demand for monetarydamages against an insured and made by or on behalfofanaturalpersonwhoisan"employee"or applicantfor employment for a "wrongful employment practice." B."Coverage territory" means: 1.The United States of America (including itsterritories or possessions) and Puerto Rico; or 2.All parts of the world if the insured's responsibilitytopay"damages"is determined in a "suit"on themeritsbroughtintheterritorydescribedinParagraph1.above or in a settlement of a "claim"that we agree to. C."Damages"means sums (including back pay andfrontpay),settlements,judgments (including anyawardofpre-judgment and post-judgment interest)forwhichyouarelegallyobligatedtopayonaccountofacovered "claim." "Damages" shall not include: 1.criminal or civil fines or penalties imposed by law; 2.taxes; 3.liquidated or the multiple portion of any multiplieddamages,amounts which may be deemeduninsurableunderthelawpursuanttowhichthispolicy shall be construed; 4.compensation earned by the claimant in thecourseofemploymentbutunpaidbytheInsured,including salary,wages,commissions,bonus orincentive compensation; 5.any amounts for which an Insured is liable due tobreach of any written contract of employment; 6.amounts representing medical or insurancepremiums or benefit claim payments; 7.any amount for which an Insured is absolved frompayment by reason of any covenant,agreement orcourt order; or 8.future salary,wages or commissions of a claimantwhoishired,promoted or reinstated toemploymentpursuanttoasettlementof,order in,or other resolution of any "claim" Notwithstanding anything to the contrary above,"damages"shall include punitive or exemplarydamages, if insurable, to the fullest extent permitted byanyapplicablelaw.Where you reasonably determinethatpunitive,exemplary or multiple damages areinsurableunderanyapplicablelaw,we shall notchallenge that determination of insurability. D."Defense expenses"means all fees charged byattorneysdesignatedbyus,or by you,with our writtenconsentandallotherreasonableandnecessaryfees,costs and expenses resulting from the investigation,adjustment, defense and appeal of a "claim"if incurredbyusoryouwithourwrittenconsent,including thecostsofappeal,attachment or similar bonds.We havenoobligationtoprovidesuchbonds."DefenseExpenses"shall not include salaries,wages,fees,overhead or benefit expenses associated with thedirectors, officers, and employees of yours. E."Domestic Partner"means any person qualifying assuchunderanyfederal,state or local laws or underyour employee benefit plans. F."EEOC Proceeding"means an investigativeproceedingbeforetheEqualEmploymentOpportunityCommissionoranadjudicatoryorinvestigativeproceedingbeforeanysimilarfederal,state or localgovernmentbodywhosepurposeistoaddress"wrongful employment practices." G."Employee"means all of your past,present or futurefull-time or part-time employees,including seasonalandtemporaryemployeesandemployeesleasedorloanedtoyou."Employee"does not include anindependent contractor. SB-300450-A(Ed. 01/07) SB-300450-A Page 3 of 7(Ed. 01/07) H."ERISA or any Similar Act"means the EmployeeRetirementIncomeSecurityActof1974,as amended,or any similar common or statutory law of the UnitedStates,Canada or their states,territories or provincesor any other jurisdiction anywhere in the world. I."Executive officer"means your chairperson,chiefexecutiveofficer,president,chief financial officer andin-house general counsel,and,the director of humanresources or equivalent position; J."Insured Persons"means all of those natural personinsuredswhoareyourpartners,members,managers,"executive officers," directors and "employees" K."Interrelated Wrongful Employment Practices"means any "wrongful employment practices"which arelogicallyorcausallyconnectedbyreasonofanycommonfact,circumstance,situation,transaction orevent. L."Policy Period"means the period from the effectivedateofthisCoverageFormtotheexpirationdatestatedontheDeclarations,or its earlier cancellationdate. M."Pollutants"means any substance exhibitinghazardouscharacteristicsas,is or may be defined oridentifiedonanylistofhazardoussubstancesissuedbytheUnitedStatesEnvironmentalProtectionAgencyor any state or local or foreign counterpart."Pollutants"also means,without limitation,any solid,liquid,gaseous or thermal irritant or contaminant,includingsmoke, vapor, soot,fumes,acids,alkalis,chemicals orwaste(including materials to be recycled,reconditioned or reclaimed),as well as any airemission,odor,waste water,oil or oil products,infectious or medical waste,asbestos,or asbestosproducts or any noise. N."Related claims"mean all claims arising out of asingle"wrongful employment practice"or arising out of"interrelated wrongful employment practices." O."Suit"means a formal civil,administrative,orregulatoryproceeding(including an "EEOCProceeding")or investigation or an arbitration againstan insured, including any appeal therefrom. P."Wrongful Employment Practice"means any actualorallegederror,misstatement,misleading statement,act,omission,neglect or breach of duty committed orattempted by the "insured persons"in their capacity assuch or by you constituting or related to 1.Wrongful dismissal or discharge or termination ofemployment, whether actual or constructive; 2.Employment-related misrepresentation; 3.Violation of any federal,state or local laws(whether common-law or statutory)concerningemploymentordiscriminationinemployment,including the Americans with Disabilities Act of1992,the Civil Rights Act of 1991,the AgeDiscriminationinEmploymentActof1967,TitleVIIoftheCivilRightsActof1964andtheCivilRights Act of 1866; 4.Sexual harassment or other unlawful harassmentin the work place; 5.Wrongful deprivation of career opportunity orfailure to employ or promote; 6.Wrongful discipline of "employees"; 7.Retaliation against "employees"for the exercise ofanylegallyprotectedrightorforengaginginanylegally protected activity; 8.Negligent evaluation of "employees"; 9.Failure to adopt adequate workplace oremployment policies and procedures; 10.Employment-related defamation or invasion ofprivacy; or 11.Employment-related wrongful infliction ofemotional distress. SECTION IV– EXTENDED REPORTING PERIOD A.If the first Named Insured cancels or non-renews thisCoverageFormorifwedecidenottoofferanyrenewal terms for this Coverage Form,the first NamedInsuredshallhavetherighttopurchase,uponpayment of an additional premium not to exceed 200%of the annual premium for this coverage,an extensionofthisCoverageFormforaperiodof12monthsimmediatelyfollowingtheendofthe"policy period,"but only with respect to any "wrongful employmentpractice"committed before the earlier of the end of the"policy period"; This period shall be referred to as the ExtendedReporting Period. B.As a condition precedent to the right to purchase theExtendedReportingPeriod,the total premium for thisCoverageFormmusthavebeenpaid.The right topurchasetheExtendedReportingPeriodshallendunlesswereceivewrittennoticeandfullpaymentofthepremiumforsuchperiodwithin30daysaftertheend of the "policy period." C.If the Extended Reporting Period is purchased,theentirepremiumshallbedeemedfullyearnedatitscommencementwithoutanyobligationbyustoreturnany portion thereof. D.There is no separate or additional limit of insurance forthe Extended Reporting Period. ªH " ( ¢ # u h 2 { : ¥ 0 y « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 6 0 SB-300450-A(Ed. 01/07) SB-300450-A Page 4 of 7(Ed. 01/07) SECTION V - LIMIT OF INSURANCE Your rights and ours are stated in the attached SingleLimitofInsuranceEndorsementForEmploymentPractices/Fiduciary Liability Coverage Forms SECTION VI - EXCLUSIONS A.Exclusions Applicable to Damages and DefenseExpenses We will not be liable to pay any "damages"or "defenseexpenses"under this Coverage Form in connectionwith any "claim" made against an insured: 1.Bodily Injury/Property Damage For any actual or alleged bodily injury (includingdeath),sickness,disease of any person,ordamagetoordestructionofanytangiblepropertyincludinglossofuseexceptthatthisexclusionshall not apply to allegations of emotional distress,humiliation or mental anguish; 2.Violation of Law Based upon,directly or indirectly arising out of,orin any way involving any actual or alleged violationof: a.(i)"ERISA or any Similar Act,"(ii)theConsolidatedOmnibusBudgetReconciliationActof1985(COBRA),as amended,or (iii)any other federal,state or local statutory laworcommonlawanywhereintheworldgoverninganyemployeebenefitprogram,policy,plan or arrangement of any type,including but not limited to laws governingretirementorpensionbenefitprograms,welfare plans, insurance plan, employee stockoptionownershiporemployeestockpurchaseplans or deferred compensation programs; b.Any law governing workers'compensation,unemployment insurance,social security,disability benefits or any other similar federal,state or local statutory or regulatory law orcommon law anywhere in the world; c.The Occupational Safety and Health Act of1970(OSHA),as amended,or any otherfederal,state or local statutory or regulatorylaworcommonlawanywhereintheworldgoverning workplace safety and health; d.The Fair Labor Standards Act (except theEqualPayAct),as amended,or any otherfederal, state or local statutory law or commonlawanywhereintheworldgoverningwage,hour and payroll policies; e.The Workers'Adjustment and RetrainingNotificationAct,Public Law 100-379 (1988),as amended,or any other federal,state orlocalstatutoryorregulatorylaworcommon law anywhere in the world governing anemployer's obligation to notify or bargain withothersinadvanceofanyfacilityclosingormass layoff. f. The National Labor Relations Act,asamended,or any other federal,state or localstatutoryorregulatorylaworcommonlawanywhereintheworldgoverningemployees'rights and the employers duties with respecttounions,bargaining,strikes,boycotts,picketing, lockouts or collective activities. However,this exclusion shall not apply to any"claim"alleging retaliation or wrongful dismissal ordischargeorterminationofemploymentwhetheractualorconstructive,because of a claimant'sexercise of a right pursuant to any such laws; 3.Pollution Based upon,directly or indirectly arising out of orinanywayinvolving:any nuclear reaction,radiation or contamination,or any actual,allegedorthreateneddischarge,release,escape,ordisposalof,or exposure to,"pollutants";anyrequest,direction or order that any of the insuredstestfor,monitor,clean up,remove,contain,treat,detoxify,neutralize or in any way respond to orassesstheeffectof"pollutants"or nuclearreaction,radiation or contamination,or anyvoluntarydecisiontodoso;or any actual orallegedpropertydamage,or bodily injury,sickness,disease or death of any person resultingfrom any of the aforementioned matters.However,this exclusion shall not apply to any "claim"alleging retaliation or wrongful dismissal ordischargeorterminationofemploymentwhetheractualorconstructive,because of a claimant'sexercise of a right pursuant to any such laws; 4.Prior Wrongful Acts of Subsidiaries For: (a)Any "wrongful employment practice"by aninsured of any of your subsidiaries,or by suchsubsidiaryoccurringbeforethedatesuchentity became a subsidiary, or (b)Any other "wrongful employment practice,"whenever occurring,which,together with a"wrongful employment practice"described in(a)above,would constitute "interrelatedwrongful employment practices." 5.Assumed Liability Based upon,directly or indirectly arising out of orinanywayinvolvingtheinsured's assumption oftheliabilityofothersinanyoralorwrittencontractoragreement,unless such liability would haveattachedtoanInsuredintheabsenceofsuchagreement; SB-300450-A(Ed. 01/07) SB-300450-A Page 5 of 7(Ed. 01/07) B.Exclusions Applicable to Non-Monetary Relief We will not be liable to pay any "damages"under thisCoverage Form that represent 1.The cost of any non-monetary relief,includingwithoutlimitationanycostsassociatedwithcompliance with any injunctive relief of any kind ornature imposed by any judgment or settlement; 2.The costs associated with providing anyreasonableaccommodationsrequiredby,madeasaresultof,or to conform with the requirementsoftheAmericansWithDisabilitiesActandanyamendmentstheretooranysimilarfederal,stateor local statute, regulation, or common laws; 3.Amounts determined to be owing under anexpresscontractwithorexpressseveranceobligationofyours;however,this exclusion shallnotapplyifandtotheextentthatliabilitywouldhaveattachedtosuchinsuredintheabsenceofthe express contract with or obligation of yours ; or 4.Medical or insurance benefits to which theclaimantallegedlywasentitledorwouldhavebeen entitled had you provided the claimant with acontinuation or conversion of insurance. SECTION VII – CONDITIONS A.Bankruptcy Bankruptcy or insolvency of the insured or of the"insured's"estate will not relieve us of our obligationsunder this policy. B.Duties In The Event Of A "Claim" 1.If,during the "policy period'or any ExtendedReportingPeriod,if applicable,any "claim"is firstmade against the "insured,"the insured shall,as aconditionprecedenttoourobligationsunderthisCoverageForm,give us written notice as soon aspracticablebutinnoeventlaterthanninety(90)days after the end of the "policy period"or theExtended Reporting Period, if applicable. 2.You must: a.Immediately send us copies of any demands,notices,summonses or legal papers receivedin connection with the "claim"; b.Authorize us to obtain records and otherinformation; and c.Cooperate with us in the investigation orsettlementofthe"claim"or defense of the"suit." 3.No insured shall voluntarily make a payment,assume any obligation,or incur any expensewithout our written consent. C.Duties in the Event of A "Wrongful EmploymentPractice" That May Result In A "Claim" If, during the "policy period,"you first become aware ofaspecific"wrongful employment practice"which mayreasonablygiverisetoafuture"claim,"and during the"policy period" give written notice to us of: 1.The names of any potential claimants and adescriptionofthe"wrongful employment practice"which forms the basis of their potential "claim"; 2.The identity of the specific insureds allegedlyresponsibleforsuchspecific"wrongfulemployment practice"; 3.The consequences which have resulted or mayresultfromsuchspecific"wrongful employmentpractice"; 4.The nature of the potential monetary damageswhichmaybesoughtinconsequenceofsuchspecific "wrongful employment practice"; and 5.The circumstances by which you first becameawareofsuchspecific"wrongful employmentpractice"; Then any "claim"otherwise covered pursuant to thisCoverageFormwhichissubsequentlymadeandwhicharisesoutofsuch"wrongful employmentpractice" shall be deemed to have been first made andreportedtousbyyouatthetimewereceivedsuchwrittennotice.No coverage is provided for fees andexpensesincurredpriortothetimesuchnoticeresultsin a "claim." D.When a "Claim" is Deemed Made A "claim" shall be deemed made: 1.In the case of a civil,administrative or regulatoryproceedingorarbitration,on the earliest of thedateofserviceuponorotherreceiptbytheinsuredofacomplaint,or similar documentagainsttheinsuredinsuchproceedingorarbitration; 2.In the case of an investigation,on the earliest ofthedateofserviceuponorotherreceiptbytheinsuredofawrittennoticeorsubpoenafromtheinvestigatingauthorityidentifyingsuch"insuredperson"as an individual against whom a formalproceeding may be commenced; 3.In the case of a written demand for monetarydamages,upon the insured's receipt of suchwritten demand. E.Other Insurance The Other Insurance clause,Section H.of theCommonPolicyConditionsisdeletedandreplacedwith the following: ªH " ( ¢ # u h 2 { : ¥ 1 § « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 6 1 SB-300450-A(Ed. 01/07) SB-300450-A Page 6 of 7(Ed. 01/07) If any "damages"and "defense expenses"resultingfromany"claim"are insured under any other policies,this Coverage Form shall apply only to the extent the"damages"and "defense expenses"exceed theamountpaidundersuchotherinsurance,whethersuchotherinsuranceisstatedtobeprimary,contributory,excess,contingent or otherwise,unlesssuchotherinsuranceiswrittenonlyasspecificexcessinsurance over this Coverage Form. F.Section IV.Estates,Legal Representatives andSpouses/Domestic Partners Section L.of the Common Policy Conditions,TransferOfYourRightsAndDutiesUnderThisPolicy,isdeleted in its entirety and replaced as follows: The estates,heirs,legal representatives,assigns,spouses and any "domestic partner"of "insuredpersons"shall be considered insureds under thisCoverageForm;provided,however,coverage isaffordedtosuchestates,heirs,legal representatives,assigns and spouses only for a "claim "arising solelyout of their status as such and, in the case of a spouseor"domestic partner,"where such "claim"seeksdamagesfrommaritalcommunityproperty,jointly heldpropertyorpropertytransferredfromthe"insuredperson"to the spouse or "domestic partner."Nocoverageisprovidedforanyact,error or omission ofanestate,heir,legal representative,assign,spouse or"domestic partner."All terms and conditions of thisCoverageForm,including without limitation thedeductibleapplicableto"damages"and "defenseexpenses"incurred by the "insured person"shall alsoapplyto"damages"and "defense expenses"incurredbysuchestates,heirs,legal representatives,assigns,spouses and "domestic partners." G.No Action Against Us 1.No action shall be taken against us unless,as aconditionprecedent,there shall have been fullcompliancewithalltheprovisionsofthisCoverageFormnoruntiltheamountofyourobligationtopayshallhavebeenfinallydeterminedeitherbyfinalandnonappealablejudgmentagainstyouaftertrialorbywrittenagreement by you, the claimant and us. 2.No person or organization shall have any rightunder this Coverage Form to join us a party to any"suit"against you to determine your liability,norshallwebeimpleadedbyyouoryourlegalrepresentatives in any such "suit." H.Transfer Of Rights Of Recovery Against Others ToUs If the insured has rights to recover all or part of anypaymentwehavemadeunderthisCoverageFormthose rights are transferred to us.The insured must donothingaftera"claim"is made to impair them.At our request,the insured will bring "suit"or transfer thoserights to us and help us enforce them. In no event shall the insured be entitled to recoup fromrecoveriesanyamounttosatisfyanydeductibleuntilafterallamountswhichwearerequiredtopayordopay under this Coverage Form are reimbursed to us. I.Transfer Of Duties When Limit Of Insurance IsExhausted 1.If we conclude that,based on "claims"which havebeenreportedtousandtowhichthisinsurancemayapply,the limit of insurance is likely to beexhaustedinthepaymentof"damages"or"defense expenses,"we will notify the first namedinsured, in writing, to that effect; 2.When the limit of insurance has actually beenexhaustedbypaymentsof"damages"or "defenseexpenses," we will: a.Notify the first named insured in writing,assoonaspracticable,that such limit has beenexhaustedandthatourobligationsunderthisCoverageFormshallbedeemedcompletelyfulfilled and extinguished; b.Initiate,and cooperate in,the transfer ofcontrol,to any appropriate insured,of all open"claims" to you; and c.Take such steps,as we deem appropriate,toavoidadefaultin,or continue the defense of,such "claims"until such transfer is completed,provided you are cooperating in completingsuch transfer. 3.Upon receipt of such notice, you must: a.Cooperate in the transfer of control of"claims"; and b.Arrange for the defense of such "claim"withinsuchtimeperiodasagreedtobetweenyouandus.Arrangements for the defense of such"claim" must be made as soon as practicable. 4.We will take no action with respect to defense forany"claim"if such "claim"is reported to us aftertheapplicablelimitofinsuranceisexhausted.Itbecomesyourresponsibilitytoarrangedefensefor such "claim." 5.You will reimburse us as soon as practicable forexpensesweincurintakingthosestepswedeemappropriateinaccordancewithParagraph2.above. 6.The exhaustion of the applicable limit of insuranceandtheresultingendofourdutytodefendwillnotbe affected by our failure to comply with any of theprovisions of this Condition. SB-300450-A(Ed. 01/07) SB-300450-A Page 7 of 7(Ed. 01/07) J.Named Insured Authorization The insureds agree that the first named insured will actonbehalfofallinsuredswithrespecttogivingofallnoticetous(except notices provided in Section VII.Paragraph B and C), the receipt of notices from us,thepaymentofthepremiums,the receipt of any returnpremiumsthatmaybecomedueunderthisCoverageForm, and the acceptance of endorsements. K.Assignment of Interest Assignment of interest under this Coverage Form shallnotbindusunlessitsconsentisendorsedtothisCoverage Form. L.Common Policy Conditions Unless otherwise stated in this Coverage Form,all ofthetermsandconditionsoftheBusinessOwnersCommonPolicyConditionsEndorsementshallbeincluded and incorporated into this Coverage Form. ªH " ( ¢ # u h 2 { : ¥ 2 , « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 6 2 SB-300451-A(Ed. 01/07) SB-300451-A Page 1 of 1(Ed. 01/07) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION – CONSTRUCTION WRAP-UP PROGRAM This endorsement modifies insurance provided under the following: BUSINESSOWNERS GENERAL LIABILITY COVERAGE FORM This insurance does not apply to: "Bodily injury,""property damage"or "personal andadvertisinginjury"arising out of any current or completedoperationperformedbyyouoronyourbehalfwhichisorwasinsuredunderanOwnerControlledInsuranceProgram(O.C.I.P.)or Contractor Controlled InsuranceProgram(C.C.I.P.),otherwise referred to as a"consolidated (wrap-up) insurance program." This exclusion applies whether or not the "consolidated(wrap-up) insurance program": 1.Provides coverage identical to that provided by thisCoverage Part; 2.Has limits adequate to cover all claims; or 3.Remains in effect. "Consolidated (wrap-up)insurance program"means aconstruction,erection or demolition project for which theprimecontractor/project manager or owner of theconstructionprojecthassecuredgeneralliabilityinsurancecoveringsomeorallofthecontractorsorsubcontractorsinvolved in the project. HIJKLMN SB-300456-A(Ed. 07/07) SB-300456-A Includes copyrighted material of Insurance Services Office, Inc., with its permission.Page 1 of 2(Ed. 07/07) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CONCURRENT CAUSATION, EARTH MOVEMENT & WATER EXCLUSIONCHANGES This endorsement modifies insurance provided under the following: BUSINESSOWNERS SPECIAL PROPERTY COVERAGE FORM A.Section B.EXCLUSIONS the first paragraph of B.1.isdeleted in its entirety and replaced by the following: 1.We will not pay for loss or damage directly orindirectlycausedbyorresultingfromanyofthefollowingregardlessof:(a)the causes of theexcludedevent;or (b)other causes of the loss;or(c)any other causes or events,whether or notinsuredunderthisPolicy,which may havecontributedconcurrentlyorinanysequencewiththeexcludedeventtoproducetheloss;or (d)whether the event occurred suddenly or gradually,involved isolated or widespread damage,arosefromnaturalorexternalforcesoractsoromissionsofman,or occurred as a result of anycombination of any of the following: B.Section B.EXCLUSIONS exclusion B.1.b.EarthMovementdeletedinitsentiretyandreplacedbythefollowing: b.Earth Movement (1)Earthquake, including any earth sinking,risingor shifting related to such event; (2)Landslide,including any earth sinking,risingor shifting related to such event; (3)Mine subsidence,meaning subsidence of aman-made mine,whether or not miningactivity has ceased; (4)Earth sinking (other than sinkhole collapse),rising or shifting,including soil conditionswhichcausesettling,cracking or otherdisarrangementoffoundationsorotherpartsofrealty.Soil conditions include contraction,expansion,freezing,thawing,erosion,improperly compacted soil and the action ofwater under the ground surface. Also, Earth Movement,as described in (1)through(4)applies to acts or omissions of man or anyothercauseorcombinationofcauseslistedabove.But if Earth Movement,as described in (1)through (4)above,results in fire or explosion,andsuchresultinglossordamageisnototherwiseexcluded,we will pay for the loss or damagecaused by that fire or explosion. (5)Volcanic eruption,explosion or effusion.But ifvolcanic eruption, explosion or effusion resultsinfire,building glass breakage or Volcanic Action,and such resulting loss or damage isnototherwiseexcluded,we will pay for thelossordamagecausedbythatfire,buildingglass breakage or Volcanic Action. Volcanic action means direct loss or damageresultingfromtheeruptionofavolcanowhenthe loss or damage is caused by: (a)Airborne volcanic blast or airborne shockwaves; (b)Ash, dust or particulate matter; or (c)Lava flow. All volcanic eruptions that occur within any168hourperiodwillconstituteasingleoccurrence. Volcanic action does not include the cost toremoveash,dust or particulate matter thatdoesnotcausedirectphysicallossordamage to the Covered Property. C.Section B.EXCLUSIONS exclusion B.1.g.Water isdeleted in its entirety and replaced by the following: g.Water (1)"Flood,"surface water,waves,tides,tidalwaves,overflow of any body of water,including release of water held by a dam,levyordikeorbyawaterorfloodcontroldevice,or their spray,all whether driven by wind ornot; (2)Mudslide or mudflow; (3)Water or sewage that backs up or overflowsfrom a sewer, drain or sump; or (4)Water under the ground surface pressing on,or flowing or seeping through: (a)Foundations,walls,floors or pavedsurfaces; (b)Basements, whether paved or not; or (c)Doors, windows or other openings. But if water,as described in g.(1)through g.(4)above,results in fire,explosion,or sprinkler leakage nototherwise excluded, we will pay for the loss or damagecaused by that fire, explosion, or sprinkler leakage. HIJKLMN ªH " ( ¢ # u h 2 { : ¥ 3 9 « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 6 3 SB-300456-A(Ed. 07/07) SB-300456-A Includes copyrighted material of Insurance Services Office, Inc., with its permission.Page 2 of 2(Ed. 07/07) D.Wherever the word "flood"appears in the CommercialPropertyCoveragePart,it is amended to a definedterm,as per the following,and is added to theDefinitions section of each applicable coverage part. "Flood"means a general and temporary condition ofpartialorcompleteinundationofnormallydryland areas,whether caused by natural occurrences,acts oromissions of man or any other cause or combination ofcauses. All flooding in a continuous or protracted event willconstitute a single flood. SB-300596-A(Ed. 01/08) SB-300596-A Page 1 of 3(Ed. 01/08) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. IDENTITY THEFT/RECOVERY SERVICES ENDORSEMENT IDENTITY THEFT/RECOVERY CASE MANAGEMENT SERVICE AND EXPENSEREIMBURSEMENT This endorsement modifies insurance provided under the following: BUSINESSOWNERS SPECIAL PROPERTY COVERAGE FORM The following changes apply to the BusinessownersSpecial Property Coverage Form: A. IDENTITY RECOVERY COVERAGE The following is added to Paragraph 5.AdditionalCoverages: We will provide the Case Management Service andExpenseReimbursementCoverageindicatedbelowifall of the following requirements are met: 1. There has been an "identity theft"involving thepersonalidentityofan"identity recovery insured"under this policy; and 2. Such "identity theft"is first discovered by the"identity recovery insured"during the policy periodforwhichthisIdentityRecoverycoverageisapplicable; and 3. Such "identity theft"is reported to us as soon aspracticablebutinnoeventlaterthan60daysafteritisfirstdiscoveredbythe"identity recoveryinsured." If all three of the requirements listed above have beenmet,then we will provide the following to the "identityrecovery insured": 1.Case Management Service Services of an "identity recovery case manager"as needed to respond to the "identity theft"; and 2.Expense Reimbursement Reimbursement of necessary and reasonable"identity recovery expenses"incurred as a directresult of the "identity theft." This coverage is additional insurance. B.EXCLUSIONS The following additional exclusions are added toSection B. - Exclusions and apply to this coverage: We do not cover loss or expense arising from any ofthe following: 1.Theft of a professional or business identity. 2.Any fraudulent,dishonest or criminal act by an"identity recovery insured," or any person aiding orabettingan"identity recovery insured,"or by any authorized representative of an "identity recoveryinsured,"whether acting alone or in collusion withothers.However,this exclusion shall not apply totheinterestsofan"insured"who has noknowledgeoforinvolvementinsuchfraud,dishonesty or criminal act. 3.Loss other than "identity recovery expenses." 4.An "identity theft"that is first discovered by the"identity recovery insured"prior to or after thepolicy period for which this coverage applies.Thisexclusionapplieswhetherornotsuch"identitytheft"began or continued during the period ofcoverage. 5.An "identity theft"that is not reported to us within60daysafteritisfirstdiscoveredbythe"identityrecovery insured." 6.An "identity theft"that is not reported in writing tothe police. C.LIMITS OF INSURANCE 1.Case Management Service is available as neededfor any one "identity theft"for up to 12 consecutivemonthsfromtheinceptionoftheservice.Expenses we incur to provide Case ManagementService do not reduce the amount of limit availablefor Expense Reimbursement coverage. 2.Expense Reimbursement coverage is subject to alimitof$25,000 annual aggregate per "identityrecoveryinsured."Regardless of the number ofclaims,this limit is the most we will pay for thetotalofalllossorexpensearisingoutofall"identity thefts"to any one "identity recoveryinsured"which are first discovered by the "identityrecoveryinsured"during a 12-month periodstartingwiththebeginningofthepresentannualpolicyperiod.If an "identity theft"is firstdiscoveredinonepolicyperiodandcontinuesintootherpolicyperiods,all loss and expense arisingfromsuch"identity theft"will be subject to theaggregatelimitapplicabletothepolicyperiodwhen the "identity theft" was first discovered. a. Legal costs as provided under paragraph d.ofthedefinitionof"identity recovery expenses"are part of,and not in addition to the ExpenseReimbursement coverage limit. HIJKLMN ªH " ( ¢ # u h 2 { : ¥ 4 F « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 6 4 SB-300596-A(Ed. 01/08) SB-300596-A Page 2 of 3(Ed. 01/08) b.Lost Wages and Child and Elder CareExpensesasprovidedunderparagraphse.and f.of the definition of "identity recoveryinsured"are jointly subject to a sublimit of$250.per day,not to exceed $5,000.in total.This sublimit is part of,and not in addition totheExpenseReimbursementcoveragelimit.Coverage is limited to lost wages andexpensesincurredwithin12monthsafterthefirstdiscoveryofthe"identity theft"by the"identity recovery insured." c.Mental Health Counseling as provided underparagraphg.of the definition of "identityrecoveryexpenses"is subject to a sublimit of$1,000.This sublimit is part of,and not inadditiontotheExpenseReimbursementcoveragelimit.Coverage is limited tocounselingthattakesplacewithin12monthsafterthefirstdiscoveryofthe"identity theft"by the "identity recovery insured." D.DEDUCTIBLE Case Management Service is not subject to adeductible. Expense Reimbursement coverage is subject to adeductibleof$250.Any one "identity recoveryinsured"shall be responsible for only one deductibleunderthisIdentityRecoveryCoverageduringanyonepolicy period. E. CONDITIONS The following additional conditions are added toSectionF.–Commercial Property Conditions andapply to this coverage: 1.Assistance and Claims For assistance,the "identity recovery insured"should call the Identity Recovery Help Line at 1-877-CNA-ASAP (1-877-262-2727) CNA Claims. The Identity Recovery Help Line can provide the"identity recovery insured" with: a.Information and advice for how to respond toa possible "identity theft"; and b.Instructions for how to submit a servicerequestforCaseManagementServiceand/oraclaimformforExpenseReimbursementCoverage. In some cases,we may provide CaseManagementservicesatourexpensetoan"identity recovery insured"prior to a determinationthatacovered"identity theft"has occurred.Ourprovisionofsuchservicesisnotanadmissionofliabilityunderthepolicy.We reserve the right todenyfurthercoverageorserviceif,afterinvestigation,we determine that a covered"identity theft" has not occurred. As respects Expense Reimbursement coverage,the "identity recovery insured"must send to uswithin60daysafterourrequest,receipts,bills orotherrecordsthatsupporthisorherclaimfor"identity recovery expenses." 2.Services The following conditions apply as respects anyservicesprovidedbyusorourdesigneestoany"identity recovery insured"under thisendorsement: a.Our ability to provide helpful services in theeventofan"identity theft"depends on thecooperation,permission and assistance of the"identity recovery insured." b.All services may not be available or applicabletoallindividuals.For example,"identityrecoveryinsureds"who are minors or foreignnationals may not have credit records that canbeprovidedormonitored.Service in CanadawillbedifferentfromserviceintheUnitedStatesandPuertoRicoinaccordancewithlocal conditions. c.We do not warrant or guarantee that ourserviceswillendoreliminateallproblemsassociatedwithan"identity theft"or preventfuture "identity thefts." 3.Computer Security It is the responsibility of each "identity recoveryinsured"to use and maintain his or her computersystemsecurity,including personal firewalls,anti-virus software and proper disposal of used harddrives. F.DEFINITIONS With respect to the provisions of this endorsementonly,the following definitions are added to Section G.– Property Definitions: 1."Identity Recovery Case Manager"means one ormoreindividualsassignedbyustoassistan"identity recovery insured"with communicationswedeemnecessaryforre-establishing theintegrityofthepersonalidentityofthe"identityrecoveryinsured."This includes,with thepermissionandcooperationofthe"identityrecoveryinsured,"written and telephonecommunicationswithlawenforcementauthorities,governmental agencies,credit agencies andindividual creditors and businesses. 2."Identity Theft"means the fraudulent use of thesocialsecuritynumberorothermethodofidentifyingan"identity recovery insured."Thisincludesfraudulentlyusingthepersonalidentityofan"identity recovery insured"to establish creditaccounts,secure loans,enter into contracts orcommit crimes. SB-300596-A(Ed. 01/08) SB-300596-A Page 3 of 3(Ed. 01/08) "Identity theft"does not include the fraudulentuseofabusinessname,d/b/a/or any othermethod of identifying a business activity. "Identity theft"does not include the unauthorizeduseofavalidcreditcard,credit account or bankaccount.However,"identity theft"does includethefraudulentalterationofaccountprofileinformation,such as the address to whichstatements are sent. 3."Identity Recovery Expenses"means thefollowingwhentheyarereasonableandnecessaryexpensesthatareincurredintheUnitedStatesorCanadaasadirectresultofan"identity theft": a.Costs for re-filing applications for loans,grants or other credit instruments that arerejected solely as a result of an "identity theft." b.Costs for notarizing affidavits or other similardocuments,long distance telephone calls andpostagesolelyasaresultofyoureffortstoreportan"identity theft"or amend or rectifyrecordsastoyourtruenameoridentityasaresult of an "identity theft." c.Costs for up to twelve (12)credit reports fromestablishedcreditbureausdatedwithin12monthsafteryourknowledgeordiscoveryofan "identity theft." d.Legal Costs Fees and expenses for an attorney approvedby us for: (1)Defending any civil suit brought againstan"identity recovery insured"by acreditororcollectionagencyorentityactingonbehalfofacreditorfornon-payment of goods or services or defaultonaloanasaresultofan"identity theft";and (2)Removing any civil judgment wrongfullyenteredagainstan"identity recoveryinsured" as a result of the "identity theft." e.Lost Wages Actual lost wages of the "identity recoveryinsured"for time reasonable and necessarilytakenawayfromworkandawayfromtheworkpremises.Time away from workincludespartialorwholeworkdays.Actuallostwagesmayincludepaymentforvacationdays, discretionary days,floating holidays andpaidpersonaldays.Actual lost wages doesnotincludesickdaysoranylossarisingfromtimetakenawayfromselfemployment.Necessary time off does not include time offtodotasksthatcouldreasonablehavebeendone during non-working hours. f.Child and Elder Care Expenses Actual costs for supervision of children orelderlyorinfirmrelativesordependentsofthe"identity recovery insured"during timereasonableandnecessarilytakenawayfromsuchsupervision.Such care must beprovidedbyaprofessionalcareproviderwhoisnotarelativeofthe"identity recoveryinsured." g.Mental Health Counseling Actual costs for counseling from a licensedmentalhealthprofessional.Such care mustbeprovidedbyaprofessionalcareproviderwhoisnotarelativeofthe"identity recoveryinsured." 4."Identity Recovery Insured"means thefollowing: a.The owner of the entity insured under thispolicy who meets any of the following criteria: (1)A sole proprietor of the insured entity; (2)A partner in the insured entity; or (3)An individual having an ownershippositionof20%or more of the insuredentity. ªH " ( ¢ # u h 2 { : ¥ 5 S « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 6 5 SB300618D(Ed. 6-16) SB300618D (Ed. 6-16)Page 1 of 12 Copyright, CNA All Rights Reserved. HIJKLMN THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CHOICE EXTRA ENDORSEMENT This endorsement modifies insurance provided under the following: BUSINESSOWNERS SPECIAL PROPERTY COVERAGE FORMBUSINESS INCOME AND EXTRA EXPENSE SUMMARY OF COVERAGES AND LIMITS The following is a summary of the Coverages and Limits provided by this Choice Extra Endorsement.No coverage isprovided by this summary. Please refer to the pertinent provisions herein to review coverages and limits. Coverage Limit Accounts Receivable Additional $100,000Back up of Sewer & Drains Incl. in Blanket Limit of $250,000Brands or Labels Up to Business Personal Property LimitDebris Removal Incl. in Blanket Limit of $250,000Extended Business Income Additional 90 daysBusiness Income – Mobile Operations Vehicle $75,000Business Income – Newly Acquired Constructed Property Additional $250,000Business Income – Dependent Property Additional $15,000Business Personal Property at Unnamed Locations $25,000Claim Data Expense Additional $5,000Computer Fraud $5,000Deferred Payments $15,000Electronic Data Processing Equipment (On Premises)Incl. in Blanket Limit of $250,000Electronic Data Processing (Off Premises)Additional $25,000Emergency Management $25,000Emergency Vacating Expenses $10,000Employee Dishonesty Incl. in Blanket Limit of $250,000Fine Arts Incl. in Blanket Limit of $250,000Franchise Agreement – Property Upgrade Extension Up to $100,000Ingress/Egress $50,000Limited Building Coverage – Tenant Obligation $5,000Lost Key Consequential Loss $500Newly Acquired or Constructed Business Personal Property Additional $250,000Ordinance or Law – Demolition & Increased Cost of Construction Incl. in Blanket Limit of $250,000Ordinance or Law – Increased Period of Restoration Additional $25,000Outdoor Trees, Shrubs, Plants and Lawns Incl. in Blanket Limit of $250,000Outdoor Signs Incl. in Blanket Limit of $250,000SpoilageIncl. in Blanket Limit of $250,000Unauthorized Business Credit/Debit Card Use $5,000Utility Services – Direct Damage $10,000Utility Services – Time Element $10,000Valuable Papers and Records Incl. in Blanket Limit of $250,000 SB300618D(Ed. 6-16) SB300618D (Ed. 6-16)Page 2 of 12 Copyright, CNA All Rights Reserved. HIJKLMN The BUSINESSOWNERS SPECIAL PROPERTY COVERAGE FORM,BUSINESS INCOME AND EXTRA EXPENSE,ADDITIONAL COVERAGES AND COVERAGE EXTENSIONS are changed as follows: 1.The following Additional Coverage is added: a.Blanket Coverage Limit of Insurance We will pay up to $250,000 in any one occurrence as a Blanket Coverage Limit of Insurance to apply at eachdescribedpremises,unless a higher limit is shown in the Declarations,to apply in any one occurrence for thecoverages described in this section, items 1-10, caused by a Covered Cause of Loss. You may apportion this Limit among these coverages as you choose. This coverage –Blanket Coverage Limit of Insurance is in addition to any other Limits of Insurance that may beprovided by this policy for these coverages. If specific coverage is shown in the Declarations as applying to any coverages or property also subject to thisBlanketCoverageLimitofInsurance,then the Blanket Coverage Limit of Insurance will apply in excess of thespecific limits of insurance and any deductible applying to them. 1.Back-Up of Sewers & Drains Within the Blanket Coverage limit of Insurance,we will pay for loss or damage to covered property as shownbelow: a.We will pay for loss or damage to covered property caused by water that backs up or overflows from asewer,drain,sump,or from water that overflows due to the failure of a sump pump,sump pump well,oranyothertypeofsystemdesignedtoremovesubsurfacewaterfromthefoundationarea,subject to thefollowing limitations: 1.We will not pay for loss or damage under this Additional Coverage caused by the emanation of waterfromasewerordrain,sump,sump pump,sump pump well,or any other type of system designed toremove subsurface water from the foundation area, that itself caused by, or is the result of: (i)"Flood," surface water, waves, tides, tidal waves, overflow of any body of water, or their spray, allwhether driven by wind or not; (ii)Mudslide or mudflow. 2.The most we will pay for direct physical damage is the limit of insurance shown in the Declarationsfor Sewer or Drain Back Up. b.With respect to otherwise covered Business Income and Extra Expense,loss or damage to coveredpropertycausedbywaterthatbacksupfromasewerordrain,will be considered a Covered Cause ofLoss. c.Exclusion B.1.g.(3)of the Businessowners Special Property Coverage Form does not apply to thisAdditional Coverage. 2.Debris Removal Within the Blanket Coverage limit of Insurance,we will pay for loss or damage to covered property as shownbelow: a.We will pay your expense to remove debris of Covered Property,other than outdoor trees,shrubs,plantsand lawns as described in the Outdoor Trees, Shrubs, Plants and Lawns Coverage Extension. This coverage is subject to the provisions of the Debris Removal Coverage Form SB-146806. 3.Electronic Data Processing Within the Blanket Coverage limit of Insurance,we will pay for loss or damage to covered property as shownbelow: a.We will pay for loss or damage to your Electronic Data Processing Equipment (Electronic Data andMedia) at the described premises, as shown below: ªH " ( ¢ # u h 2 { : ¥ 6 ` « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 6 6 SB300618D(Ed. 6-16) SB300618D (Ed. 6-16)Page 3 of 12 Copyright, CNA All Rights Reserved. HIJKLMN 1.Direct physical loss of or damage to your "electronic data processing equipment"caused by orresulting from a Covered Cause of Loss; and 2.Direct physical loss of or damage to your "electronic media and data"caused by or resulting from aCovered Cause of Loss. This coverage is subject to the provisions of the Electronic Data Processing Equipment and Electronic Mediaand Data (EDP Coverage Form) SB-146827. 4.Employee Dishonesty Within the Blanket Coverage limit of Insurance,we will pay for loss or damage to covered property as shownbelow: a.We will pay for loss of or damage to Business Personal Property resulting directly from "EmployeeDishonesty." We will pay for loss or damage you sustain through acts committed or events occurring during the PolicyPeriod.Regardless of the number of years this insurance remains in force or the number of premiumspaid, no Limit of Insurance cumulates from year to year or period to period. This coverage is subject to the provisions of the Employee Dishonesty Coverage Form SB-146807. 5.Fine Arts Within the Blanket Coverage limit of Insurance,we will pay for loss or damage to covered property as shownbelow: a.We will pay for direct physical loss of or damage to "fine arts" which are owned by: 1.You; or 2.Others and in your care, custody or control; Caused by or resulting from a Covered Cause of Loss,including while on exhibit,or in transit,anywherewithin the Coverage Territory. This coverage is subject to the provisions of the Fine Arts Coverage Form SB-146809. 6.Ordinance or Law Within the Blanket Coverage limit of Insurance,we will pay for loss or damage to covered property as shownbelow: a.In the event of damage by a Covered Cause of Loss to a building that is Covered Property,we will payfor: 1.Demolition cost,meaning the cost to demolish and clear the site of undamaged parts of the samebuilding as a consequence of enforcement of the minimum requirements of any ordinance or law thatrequired demolition of such undamaged property; and 2.The increased cost of construction,meaning the increased cost to repair,rebuild or reconstruct thepropertyasaconsequenceofenforcementoftheminimumrequirementsofanyordinanceorlaw.This increased cost of construction coverage applies only if: a.The building is insured for replacement cost; b.The building is repaired, rebuilt or reconstructed; and c.The repaired,rebuilt or reconstructed building is intended for similar occupancy as the currentbuilding, unless otherwise required by zoning or land use ordinance or law. This coverage is subject to the provisions of the Ordinance or Law Coverage Form SB-146814. SB300618D(Ed. 6-16) SB300618D (Ed. 6-16)Page 4 of 12 Copyright, CNA All Rights Reserved. HIJKLMN 7.Outdoor Signs Within the Blanket Coverage limit of Insurance,we will pay for loss or damage to covered property as shownbelow: a.We will pay for direct physical loss of or damage to outdoor signs attached to the building or on or within1,000 feet of the described premises. This coverage is subject to the provisions of the Outdoor Signs Coverage Form SB-146835. 8.Outdoor Trees, Shrubs, Plants and Lawns Within the Blanket Coverage limit of Insurance,we will pay for loss or damage to covered property as shownbelow: a.We will pay for direct physical loss of or damage to outdoor trees,shrubs,plants (other than "stock"oftrees,shrubs or plants)and lawns located at the described premises caused by or resulting from aCovered Cause of Loss). This coverage is subject to the provisions of the Outdoor Trees, Shrubs, Plants and Lawns coverage formSB-146815. 9.Spoilage Coverage Within the Blanket Coverage limit of Insurance,we will pay for loss or damage to covered property as shownbelow: a.We will pay for direct physical loss of or damage to Perishable Stock caused by or resulting from acovered cause of loss described in Paragraph 2. below and not excluded in Paragraph 3. below. 1.This Coverage Extension does not apply to Perishable Stock while located: a.On Buildings; b.In the open; or c.In vehicles. 2.With respect to this Coverage Extension, covered cause of loss means the following: a.Breakdown or Contamination, meaning: 1.Change in temperature or humidity resulting from mechanical breakdown or failure ofrefrigerating,cooling or humidity control apparatus or equipment,only while such equipmentor apparatus is at the described premises; or 2.Contamination by a refrigerant,only while the refrigerating apparatus or equipment is at thedescribed premises shown in the schedule; or b.Power Outage,meaning change in temperature or humidity resulting from complete or partialinterruption of electrical power, either on or off the described premises,due to conditions beyondyour control. 3.The following exclusions apply to this Coverage Extension: a.We will not pay for loss or damage caused directly or indirectly by any of the following,regardless of any other cause or event that contributes concurrently or in any sequence to theloss: 1.Manual disconnecting of any refrigeration,cooling,heating or humidity control system fromthe source of electric power; 2.Terminating of electric power due to throwing or turning off any switch or other device usualto the shutting off of electric power, on the premises shown in the schedule above; or 3.Intentional decision of any electric utility company or other source of electric power not toprovidesufficientpowerortheinabilitytosuchcompanyorsourcetoprovidesufficient ªH " ( ¢ # u h 2 { : ¥ 7 m « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 6 7 SB300618D(Ed. 6-16) SB300618D (Ed. 6-16)Page 5 of 12 Copyright, CNA All Rights Reserved. HIJKLMN power,due to lack of fuel,governmental order or lack of generating capacity to meetthedemand. b.In addition,the following exclusions,found in the Businessowners Special Property CoverageForm, also apply to this coverage extension: (1)Paragraph B.1.b. Earth Movement; (2)Paragraph B.1.c. Governmental Action; (3)Paragraph B.1.d. Nuclear Hazard; (4)Paragraph B.1.f. War and Military Action; (5)Paragraph B.1.g. Water; and (6)Paragraph B.1.h. Neglect. No other exclusions in Paragraph B.Exclusions apply to this Coverage Extension.However,ifanyexclusionsareaddedbyendorsementtothisPolicy,such exclusions will apply to thisCoverage Extension. c.With respect to this Coverage Extension, Perishable Stock means personal property; 1.Maintained under controlled conditions for its preservation; and 2.Susceptible to loss or damage if the controlled temperature or humidity conditions change. d.Under this Coverage Extension, the following coverages also apply: 1.Claim Mitigation Expense We will pay the reasonable expenses you incur to prevent or reduce loss or damage to theextentthatsuchlossordamageisreduced,but such payment will not increase theapplicable Limit of Insurance. 2.Clean-up and Disposal We will pay your expenses to clean up and dispose of spoiled Covered Property.PaymentforClean-up and Disposal is included within the Blanket Limit of Insurance shown inParagraph 1.a. above. e.With respect to otherwise covered Business Income and Extra Expense,loss or damage tocovered property caused by Spoilage will be considered a Covered Cause of Loss. f.The most we will pay for loss or damage under this Coverage Extension in any one occurrence,and any applicable Business Income and/or Extra Expense loss that results,is the Blanket Limitof Insurance shown in Paragraph 1.a. above. 10.Valuable Papers Within the Blanket Coverage limit of Insurance,we will pay for loss or damage to covered property as shownbelow: We will pay for direct physical loss of or damage to "valuable papers and records" that: a.You own; or b.Are owned by others, but in your care, custody or control; caused by or resulting from a Covered Cause of loss. This coverage is subject to the provisions of the Valuable Papers Coverage Form SB-146838. 2.The following Additional Coverages are changed: a.The limit applicable to the Additional Coverage –Claim Data Expense referenced in Paragraph 3.of the ClaimData Expense coverage form is increased by $5,000. SB300618D(Ed. 6-16) SB300618D (Ed. 6-16)Page 6 of 12 Copyright, CNA All Rights Reserved. HIJKLMN b.With respect to Extended Business Income,the time frame referenced in Paragraph 3.b.(2)of the BusinessIncome and Extra Expense coverage form is increased by an additional 90 consecutive days. c.The limit applicable to the Additional Coverage –Newly Acquired or Constructed Property for BusinessPersonal Property referenced in Paragraph 2.b. of the Newly Acquired or Constructed Property coverage form,isincreased by $250,000. d.With respect to the Additional Coverage –Ordinance or Law,coverage is extended to include tenant'simprovementsandbettermentsasdescribedinParagraphA.1.b.(3)of the Businessowners Special PropertyCoverage form, if: 1.You are a tenant; and 2.A limit of Insurance is shown in the Declarations for Business Personal Property at the described premises. 3.The following Additional Coverages are added: a.Deferred Payments We will reimburse you for payments you are unable to collect due to direct physical loss or damage resulting froma Covered Cause of Loss to Covered Property sold by you on an installment or other deferred payment basis afterithasbeendeliveredtoyourcustomerorwhilestillatoneofyourcoveredpremises.The most we will pay underthis Additional Coverage is the lesser of your financial interest in such property or $15,000 in any one occurrence. b.Lost Key Consequential Loss 1.We will pay for consequential loss to keys and locks if a master or grand master key is lost or damaged froma Covered Cause of Loss. We will pay for: a.The actual cost of keys, and b.Adjustment of locks to accept new keys, or c.If required, new locks including cost of their installation. 2.Loss or damage must be caused by or result from a Covered Cause of Loss including mysteriousdisappearance. 3.The most we will pay for loss or damage under this Additional Coverage is $500 at each described premises.A deductible does not apply. c.Unauthorized Business Card Use We will pay for your loss of money or charges and costs you incur that result directly from the unauthorized use ofcredit, debit or charge cards issued in your business name, including: 1.Fund transfer cards: 2.Charge plates; or 3.Telephone cards. The most we will pay under this Additional Coverage in any one occurrence is $5,000. d.Utility Services – Direct Damage 1.We will pay for loss of or damage to Covered Property caused by the interruption of services to the describedpremises. The interruption must result from direct physical loss or damage by a Covered Cause of Loss to thefollowing Property not on the described premises: a."Water Supply Services"; b."Communication Supply Services"; or c."Power Supply Services." For the coverage provided with this endorsement,"Communication Supply Services"and "Power SupplyServices" includes overhead transmission lines. ªH " ( ¢ # u h 2 { : ¥ 8 z « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 6 8 SB300618D(Ed. 6-16) SB300618D (Ed. 6-16)Page 7 of 12 Copyright, CNA All Rights Reserved. HIJKLMN 2.The most we will pay for loss or damage under this Additional Coverage in any one occurrence is $10,000 ateach described premises. 3.Payments under this Additional Coverage are subject to and not in addition to the applicable Limit ofInsurance. 4.The following Coverage Extensions are changed: a.The limits applicable to the Coverage Extension – Accounts Receivable are changed as follows: 1.The limit applicable to records of accounts receivable while in transit or at a premises other than thedescribed premises is increased by $100,000. 2.The limit applicable to records of accounts receivable at each described premises is increased by $100,000. b.The limit applicable to the Coverage Extension –Business Income and Extra Expense From DependentProperty is increased by $15,000. c.The limit applicable to the Coverage Extension –Business Income and Extra Expense –Newly AcquiredPremises is increased by $250,000. d.The limit of insurance set forth in paragraph 6.of the Electronic Data Processing Equipment and ElectronicMedia and Data Coverage Extension is deleted and replaced with the following: The most we will pay under this Coverage Extension for all direct physical loss of or damage to "electronic dataprocessingequipment"and "electronic media and data"(combined)in any one occurrence while in transit or at apremises other than the described premises is increased by $25,000. e.The limit applicable to the Coverage Extension –Ordinance or Law –Increased Period of Restoration isincreased by $25,000. 5.The following Coverage Extensions are added: a.Brands or Labels If branded or labeled merchandise that is Covered Property is damaged by a Covered Cause of Loss,we maytake all or part of the property at an agreed or appraised value. If so, you may: (1)Stamp the word Salvage on the merchandise or its containers,if the stamp will not physically damage themerchandise; or (2)Remove the brands and labels,if doing so will not physically damage the merchandise or its containers tocomply with the law. We will pay reasonable costs you incur to perform the activity described in Paragraphs (1) and (2) above. The most we will pay for these costs and the value of the damaged property under this Coverage Extension is theBusiness Personal Property Limit shown in the Declarations. Payments under this Coverage Extension are subject to and not in addition to the limits of insurance. b.Business Income – Mobile Operations Vehicle 1.When the Declarations show that you have coverage for Business Income and Extra Expense,you mayextendthatinsurancetoapplytotheactuallossofBusinessIncomeyousustainduetothenecessary"suspension" of your "Mobile Operations" during the "period of restoration." The "suspension"must be causedbydirectphysicallossofordamagetoa"Mobile Operations Vehicle."The loss or damage must be causedby or result from any of the following: a.Fire; b.Lightning; c.Explosion; d.Theft; e.Windstorm or Hail; SB300618D(Ed. 6-16) SB300618D (Ed. 6-16)Page 8 of 12 Copyright, CNA All Rights Reserved. HIJKLMN f.Vandalism; g.Collision with another object; h.Overturn; or i.Sinking, burning, collision or derailment of any conveyance transporting a "Mobile Operations Vehicle." 2.With respect to this Coverage Extension: a."Mobile Operations Vehicle"means a land motor vehicle,trailer or semi-trailer that is designed for travelon public roads and: 1.Specifically fitted to carry "stock"; or 2.Specifically equipped to provide your services; and b."Mobile Operations"means your business activities away from the described premises involving the useof a "Mobile Operations Vehicle." 3.With respect to this Coverage Extension, the "period of restoration": a.Begins 24 hours after the time of direct physical loss of or damage to a "Mobile Operations Vehicle"caused by or resulting from a cause of loss that is described in Paragraph 1 above; and b.Ends on the date when such "Mobile Operations Vehicle"should be repaired or replaced with reasonablespeed and similar quality. 4.We will not pay under this Coverage Extension for expenses to rent any land motor vehicle,trailer or semi-trailer that is used as a substitute for a "Mobile Operations Vehicle." 5.With respect to this Coverage Extension, the amount of Business Income loss will be based on: a.The Net Income of your "Mobile Operations" before the direct physical loss or damage occurred; b.The operating expenses,including payroll expenses,necessary to resume "Mobile Operations"with thesame quality of service that existed just before the direct physical loss or damage; and c.Other relevant sources of information including: (1)Your financial records and accounting procedures; (2)Bills, invoices and other vouchers; and (3)Deeds, liens or contracts. 6.We will reduce the amount of your Business Income loss to the extent you can resume your "MobileOperations,"in whole or in part,by using any land motor vehicle,trailer or semi-trailer as a substitute for a"Mobile Operations Vehicle." 7.If you do not resume your "Mobile Operations"or do not resume your "Mobile Operations"as quickly aspossible,we will pay based on the length of time it would have taken to resume your "Mobile Operations"asquickly as possible. 8.The most we will pay for loss of Business Income under this Coverage Extension for each "Mobile OperationsVehicle" in any one occurrence is $75,000. 9.However,the most we will pay for loss of Business Income under this coverage extension,in any oneoccurrence, regardless of the number of "Mobile Operations Vehicles" involved, is $200,000. c.Business Personal Property at Unnamed Locations 1.When the Declarations show that you have coverage for Business Personal Property at the describedpremises,you may extend that insurance to apply to loss or damage to Business Personal Property atlocations not identified in the Declarations, including residences of employees: a.Immediately for Business Personal Property at leased storage locations; or ªH " ( ¢ # u h 2 { : ¥ 9 « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 6 9 SB300618D(Ed. 6-16) SB300618D (Ed. 6-16)Page 9 of 12 Copyright, CNA All Rights Reserved. HIJKLMN b.After 60 consecutive days for Business Personal Property at all other Unnamed Locations,includingresidences of employees. 2.This Coverage Extension does not apply to: a."Money," "securities," "valuable papers and records" or accounts receivable; or b.Property while in the care of the United States Postal Service;rented or leased to others,or after deliveryto customers. The most we will pay under this Coverage Extension is $25,000 at any location not described in the Declarationsincluding residences of employees. d.Computer Fraud 1.When a Limit of Insurance is shown in the Declarations for Business Personal Property at the describedpremises,that insurance shall apply to loss of or damage to Business Personal Property resulting directlyfromtheuseofanycomputertofraudulentlycauseatransferofthatpropertyfrominsidethebuildingatthedescribed premises or banking premises: a.To a person outside those premises; or b.To a place outside those premises. 2.Paragraphs B.2.i,B.2.n,and B.2.o.of the Businessowners Special Property Coverage Form do not apply tothis Coverage Extension. 3.The most we will pay under this Coverage Extension in any one occurrence is $5,000,regardless of thenumber of premises involved. 4.The "System Penetration"exclusion described in Paragraph 1.k.of Section B.,Exclusions,of theBusinessowners Special Property Coverage Form, does not apply to this Coverage Extension. 5.With respect to this Computer Fraud Coverage Extension.We will not pay for loss or damage caused directlyorindirectlybyany"mass system penetration."Such loss or damage is excluded regardless of any othercause or event that contributes concurrently or in any sequence to the loss. e.Emergency Management Coverage 1.We will pay the additional expenses you incur as a result of an emergency event occurring at one of yourdescribed premises scheduled in the Declarations. An emergency event means one that involves one or moreof the following: a.An actual,attempted or threatened felony or act of violence,such as an armed robbery,assault,kidnapping, stalking, or use of a firearm. b.An incident involving an accident, such as a fire or explosion or a construction or workplace accident. The event or incident must have involved or been witnessed by one or more of your employees,customers or tenants.The costs must have been incurred within 60 days after the occurrence of theemergency event, subject to the applicable Limit of Insurance for this Coverage Extension. 2.The following additional expenses will be paid under this Coverage Extension as a result of the emergencyevent: a.Payment of medical, funeral or counseling expenses for: 1)You,your partners,officers,managers,staff,employees or volunteers (to the extent these expensesare not covered by your Workers Compensation policy). 2)Your patients, residents, visitors or customers. b.Payment of media or public relations expenses to help manage communications regarding the incident tothe public, including customers and employees. These communications include: 1)Facts of the incident. 2)Subsequent steps taken for remediation and prevention of future events. SB300618D(Ed. 6-16) SB300618D (Ed. 6-16)Page 10 of 12 Copyright, CNA All Rights Reserved. HIJKLMN 3)Plans for re-opening the building or re-starting operations. 3.When the Declarations show that you have coverage for Business Income and Extra Expense,we will alsopayyourlossofbusinessincomeresultingfromthenecessarysuspensionofyour"operations"due to theoccurrenceofanemergencyeventatadescribedpremisesscheduledintheDeclarations.We will pay yourlossofbusinessincomeforupto60daysaftertheoccurrenceoftheemergencyevent,subject to theapplicable Limit of Insurance for this Coverage Extension. 4.Under this coverage extension, we will not pay for any emergency management expenses arising out of: (a)Strike, bomb threat or false fire alarm. (b)Planned vacating drill. (c)Medical,funeral or counseling expenses of one or more persons that is due and confined to theirindividual medical condition. (d)Emergency vacating expenses. (e)Any emergency event precipitated by or involving you, your partners or officers. (f)Earth movement or volcanic action. (g)"Flood." (h)Windstorm or hail. (i)Any expenses associated with any third party liability claim that may arise out of the emergency event orincident. (j)Any of the following to the extent they are already excluded under this policy: 1)Governmental Action. 2)Nuclear Hazard. 3)War and Military Action. No other exclusions or limitations in your policy apply to this Coverage Extension. 5.Limit of Insurance The most we will pay in any single emergency event occurrence covered under this Coverage Extension is$25,000.This limit is an annual limit and is the most we will pay for the total of all losses occurring under thisCoverageExtensioninanyonepolicyperiod,no matter the number of losses that are actually subject to thetermsofconditionsofthisCoverageExtensionduringthisperiod.Any coverage for EXTENDED BUSINESSINCOME provided under the policy does not apply to this Coverage Extension. f.Emergency Vacating Expenses 1.We will pay the reasonable and necessary expenses you incur in the emergency vacating of premisesdescribed in the Declarations. 2.Emergency means: a.Imminent danger arising from an external event; or b.A condition in the facility that would cause loss of life or harm to your customers. 3.We will not pay for any emergency vacating expenses arising out of: a.Strike, bomb threat or false fire alarm, unless the vacating is ordered by a civil authority. b.Planned vacating drill. c.Vacating of one or more customers that is due and confined to their individual medical condition. d.Any of the following to the extent they are already excluded under this policy: 1)Governmental Action. ªH " ( ¢ # u h 2 { ; ¥ 0 ¥ « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 7 0 SB300618D(Ed. 6-16) SB300618D (Ed. 6-16)Page 11 of 12 Copyright, CNA All Rights Reserved. HIJKLMN 2)Nuclear Hazard. 3)War and Military Action. No other exclusions in your policy apply to this Coverage Extension. 4.We will pay no more than $10,000 for Emergency Vacating Expenses in any one occurrence under thisCoverage Extension. 5.We will not pay for Emergency Vacating Expenses in any one occurrence until the amount of EmergencyVacatingExpensesexceeds$250.We will then pay the amount of Emergency Vacating Expenses in excessof $250 up to the limit of Insurance for this Coverage Extension.No other Deductible applies to this CoverageExtension. g.Ingress / Egress When the Declarations show that you have coverage for Business Income and Extra Expense, we will also pay fortheactuallossofBusinessIncomeyousustainandnecessaryExtraExpensecausedwheningressoregresstothedescribedpremisesisphysicallypreventedduetodirectlossordamagetoproperty,other than at thedescribed premises, caused by or resulting from any Covered Cause of Loss. This coverage will not begin until 12 hours after the physical loss or damage has occurred.The most we will payfor loss under this Coverage Extension is $50,000. h.Limited Building Coverage – Tenant Obligation 1.If, at the described premises: a.You are a Tenant; and b.You are contractually obligated to repair or replace that part of a building you occupy as a tenant, and c.A Limit of Insurance is shown in the Declarations for Business Personal Property: This insurance applies to direct physical loss of or damage to that part of a building you occupy as a tenantcaused by or resulting from a Covered Cause of Loss other than theft or attempted theft. 2.This Coverage Extension does not apply to any otherwise covered: a.Building glass; or b.Tenants improvements and betterments as described in Paragraph A.1.b.(3),of the BusinessownersSpecial Property Coverage Form. 3.The most we will pay under this Coverage Extension in any one occurrence is $5,000 at each describedpremises. i.Franchise Agreement – Property Upgrade Extension Coverage 1.In the event of direct physical loss of or damage to the building or business personal property that is CoveredProperty,at the premises described in the Declarations,caused by or resulting from a Covered Cause ofLoss,we will pay for the Increased Cost of Construction,meaning the increased cost to repair,rebuild,replace or reconstruct the property as a consequence of enforcement of the minimum requirements of a"franchise agreement." This increased cost of construction coverage applies only if: a.The building or business personal property are insured for replacement cost; b.The building or business personal property are repaired, rebuilt, replaced or reconstructed; and c.The repaired,rebuilt,replaced or reconstructed building or business personal property are intended forsimilar occupancy/use as the current Covered Property. 2.In addition to the exclusions and limitations already described in this policy, this endorsement does not cover: a.Stock,raw materials,finished goods,merchandise,processing water,molds and dies,property in theopen,property of others for which the insured is legally liable,or personal property of employees andofficers. SB300618D(Ed. 6-16) SB300618D (Ed. 6-16)Page 12 of 12 Copyright, CNA All Rights Reserved. HIJKLMN b.Any loss covered under any other section of this policy. c.Any upgrades or improvements required under any existing ordinance or law with which the insured waslegallyobligatedtocomplypriortothetimeoftheinsureddirectphysicallossordamage.In addition,coverage provided under this endorsement does not replace nor supplement any applicable Ordinance orLaw coverage already on this policy. d.Coinsurance does not apply to the coverage provided under this endorsement. 3.The most we will pay in any one occurrence under this Coverage Extension for the increased cost incurredwith respect to the damaged property to which this Coverage Extension applies is determined by: a.Multiplying 25%;times the amount we would otherwise pay for the direct physical loss of or damage tothe building and business personal property, prior to application of any applicable deductible. b.However,the most we will pay for the additional cost incurred in any one occurrence,regardless of thenumber of described premises involved, is $100,000. 4.The following Definition is added to Section G. Property Definitions: 34."Franchise Agreement" means a legally binding written agreement which outlines the franchisor's termsandconditionsforthefranchisee,and also clearly outlines the obligations of the franchisor and theobligations of the franchisee. 5.Payments made under this coverage extension are in addition to the applicable limits of insurance. j.Utility Services – Time Element 1.When the Declarations show that you have coverage for Business Income and Extra Expense,that insuranceshallapplytothelossofBusinessIncomeorExtraExpensecausedbytheinterruptionofservicetothedescribedpremises.The interruption must result from direct physical loss or damage by a Covered Cause ofLoss to the following property not on the described premises: a."Water Supply Services"; b."Communication Supply Services"; or c."Power Supply Services." For the coverage provided with this endorsement,"Communication Supply Services"and "Power SupplyServices" includes overhead transmission lines. 2.We will pay the actual loss sustained from the initial time of service(s)failure at the described premises butonlywhentheserviceinterruptionatthedescribedpremisesexceeds24hoursimmediatelyfollowingthedirectphysicallossordamage.Coverage does not apply to any reduction of income after service has beenrestored to your premises. The most we will pay for loss under this Coverage Extension in any one occurrence is $10,000 at each describedpremises. All other terms and conditions of the Policy remain unchanged. ªH " ( ¢ # u h 2 { ; ¥ 1 * « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 7 1 SB-300849-A(Ed. 07/09) SB-300849-A Includes copyrighted material of Insurance Services Office, Inc., with its permission.Page 1 of 1(Ed. 07/09) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. RECORDING AND DISTRIBUTION OF MATERIAL ORINFORMATION IN VIOLATION OF LAW EXCLUSION This endorsement modifies insurance provided under the following: BUSINESSOWNERS LIABILITY COVERAGE FORM A.The following exclusion is added to Section B.EXCLUSIONS of the Businessowners LiabilityCoverage Form: 2.Exclusions This insurance does not apply to: q.Recording And Distribution Of Material OrInformation In Violation Of Law "Bodily injury"or "property damage"arisingdirectlyorindirectlyoutofanyactionoromission that violates or is alleged to violate: (1)The Telephone Consumer Protection Act(TCPA),including any amendment of oraddition to such law; (2)The CAN-SPAM Act of 2003,includinganyamendmentoforadditiontosuchlaw; (3)The Fair Credit Reporting Act (FCRA),and any amendment of or addition tosuchlaw,including the Fair and AccurateCredit Transaction Act (FACTA); or (4)Any federal,state or local statute,ordinance or regulation,other than theTCPA,CAN-SPAM Act of 2003 or FCRAandtheiramendmentsandadditions,thataddresses,prohibits,or limits the printing,dissemination,disposal,collecting,recording,sending,transmitting,communicating or distribution of materialor information. B.The following exclusion is added to Section B.EXCLUSIONS, Paragraph p. Personal And AdvertisingInjury: 2.Exclusions This insurance does not apply to: (15)Recording And Distribution Of Material OrInformation In Violation Of Law "Personal and advertising injury"arisingdirectlyorindirectlyoutofanyactionoromission that violates or is alleged to violate: (1)The Telephone Consumer Protection Act(TCPA),including any amendment of oraddition to such law; (2)The CAN-SPAM Act of 2003,includinganyamendmentoforadditiontosuchlaw; (3)The Fair Credit Reporting Act (FCRA),and any amendment of or addition tosuchlaw,including the Fair and AccurateCredit Transaction Act (FACTA); or (4)Any federal,state or local statute,ordinance or regulation,other than theTCPA,CAN-SPAM Act of 2003 or FCRAandtheiramendmentsandadditions,thataddresses,prohibits,or limits the printing,dissemination,disposal,collecting,recording,sending,transmitting,communicating or distribution of materialor information. HIJKLMN ªH " ( ¢ # u h 2 { ; ¥ 2 7 « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 7 2 SB-146824-B(Ed. 01/08) SB-146824-B Page 1 of 1(Ed. 01/08) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BUSINESS INCOME AND EXTRA EXPENSE –NEWLY ACQUIRED LOCATIONS This endorsement modifies insurance provided under the following: BUSINESS INCOME AND EXTRA EXPENSE COVERAGE FORMBUSINESSOWNERS SPECIAL PROPERTY COVERAGE FORM The following coverage is added to your BusinessownersSpecialPropertyCoverageFormunderParagraphA.6.Coverage Extensions. Unless otherwise stated,payments made under thefollowingCoverageExtensionissubjecttoandnotinaddition to the applicable Limits of Insurance. Business Income and Extra Expense –Newly AcquiredPremises 1.When the Declarations show that you havecoverageforBusinessIncomeandExtraExpense,you may extend that insurance to applytotheactuallossofBusinessIncomeandnecessaryExtraExpenseyouincurduetothe"suspension"of your "operations"during the"period of restoration."The "suspension"must becausedbyorresultingfromaCoveredCauseofLossatanypremisesyounewlyacquirebypurchase or lease (other than at fairs,trade showsor exhibitions). 2.The most we will pay under this coverage for thesumofBusinessIncomeandExtraExpenseincurred is $250,000 at each location. 3.Insurance under this extension for each newlyacquiredlocationwillendwhenanyofthefollowing first occurs: a.This policy expires; b.90 days expire after you acquire or begin toconstruct the property; c.You report the location to us; d.The Business Income or Extra Expense ismore specifically insured. We will charge you additional premium forlocationsreportedfromthedateyouacquiretheproperty. 4.Payments made under this Coverage ExtensionareinadditiontotheapplicableLimitsofInsurance. HIJKLMN ªH " ( ¢ # u h 2 { ; ¥ 3 D « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 7 3 www.FNOLCNA.com ReportClaim@FNOLCNA.com 833-FNOL-CNA (833-366-5262) 4 Point Power, Inc. 1313 N MILPITAS BLVD STE 161 MILPITAS, CA 95035 ASERO INSURANCE SERVICES 3155 OLSEN DR STE 400 SAN JOSE, CA 95117 7038572189 050683 10/17/2024 10/17/2025 Renewal SAN FRANCISCO 555 MISSION ST STE 200 SAN FRANCISCO, CA 94105 Policy Holder Notice CNA95404XX (3-19)Copyright CNA All Rights Reserved.Page 1 of 1 ABCDEFGHIJKLMN HOW TO REPORT A CLAIM Thank you for choosing CNA! With your CNA Connect®Businessowners Insurance Policy,you have insurance coverage tailored to meet the needs of your business.The international network of insurance professionals and the financial strength of CNA,rated "A"by A.M.Best,provide resources to help you manage the daily risks of your organization so you may focus on what's most important to you. Claim Services Claims are reported through a single point of entry available 24/7,connecting you to individuals and information to help you resume your business when you need it most. •To report a loss go to or send an email to , or call •To request loss runs send an email to fsrmail@cnacentral.com •For additional questions call CNA Customer Service at (877)-574-0540, or contact your independent CNA Insurance Agent. Policy Information CNA representatives may ask you for some of the following information: Insured Name: Producer Information: Policy Number:Producer Processing Code: Policy Period: to CNA Branch: ªH " ( ¢ # u h 2 { ; ¥ 4 Q « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 7 4 SB-300604-A Page 1 of 2(Ed. 01/08) IMPORTANT INFORMATION PREVENT UNEXPECTED PREMIUM CHARGES ATFINAL AUDIT BUSINESSOWNERS GENERAL LIABILITY LIMITS WEREQUIRE FOR SUBCONTRACTORS YOU HIRE Please read this IMPORTANT INFORMATION notice carefully if you hire subcontractors toperform work for you. Your Businessowners General Liability insurance premiums may increase substantially atfinalauditifyoursubcontractorsdonotcarrytheminimumGeneralLiabilityinsurancelimitswe require as defined below. To prevent your Businessowners General Liability insurance premiums from increasing atfinalaudit,your subcontractors must carry a General Liability policy which is written on anoccurrence basis and which provides Limits of Insurance as follows: $1,000,000 Any One Occurrence (Coverage A) 1,000,000 Any One Person or Organization (Coverage B) 1,000,000 Products/Completed Operations Aggregate 1,000,000 General Aggregate In certain exception cases,higher Limits of Insurance than those specified above may berequired. Your agent will be notified of these exception cases in writing when they exist. How This Requirement Can Affect Your Businessowners General Liability Premium atFinal Audit At final premium audit,we will ask you to provide us with Certificates of Insurance for allsubcontractorswhoworkedforyouduringthepolicyperiod,to confirm that they carried theGeneral Liability limits of insurance we require, as stated above. Work you subcontract to other contractors whose General Liability limits of insurance meettherequirementsshownabove,will be rated on a subcontract cost basis,which issignificantly less expensive for you than treating these subcontract costs as ratable payroll (asdescribed below). Any subcontractor of yours who carries General Liability limits of insurance less than thosestatedabove,and any of your subcontractors for whom we are not provided Certificates ofInsurancewillbetreatedasyouremployeesforratingpurposes.The associated subcontractcostswillbetreatedasratablepayrollonyourpolicyresultinginanadditionalpremiumcharge at final audit. Prevent Unexpected Premium Charges at Final Audit:Require Evidence Of $1,000,000 General Liability Limits From All Of YourSubcontractors To avoid additional premium charges at final audit caused by your subcontract costs beingtreatedasratablepayroll,and to reduce the risk of your Businessowners General Liabilityinsurancebeingtappedtocoverclaimsarisingoutofyoursubcontractor's work,we urge youtoobtainCertificatesofInsurancefromyoursubcontractors,prior to their beginning work,evidencing the General Liability limits of insurance stated above.In addition to providingcoverageinformationfortheirGeneralLiabilityinsurance,these Certificates of Insurance HIJKLMN SB-300604-A Page 2 of 2(Ed. 01/08) should also provide coverage information for your subcontractor's Automobile,Worker'sCompensation, and Umbrella insurance. Please contact your agent if you have any questions regarding these requirements or if youwouldlikehelpindeterminingtheadequacyoftheinsurancecarriedbyanyofyoursubcontractors. ªH " ( ¢ # u h 2 { ; ¥ 5 ^ « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 7 5 SB-300605-A(Ed. 01/08) SB-300605-A Page 1 of 1(Ed. 01/08) PREMIUM BASES To be used with the Businessowners General Liability Schedule AC =Acres (Each) P =Payroll (Per $1,000 of Payroll*) S =Gross Sales (Per $1,000 ofGross Sales*) SP =Swimming Pools (Each) HIJKLMN ªH " ( ¢ # u h 2 { ; ¥ 6 k « ¬ ¬ ¬ 151 N. Franklin St.Chicago, IL 60606 Policy Number From Policy Period To Coverage Is Provided By Agency Named Insured And Address Agent HIJKLMN B7038572189 10/17/24 10/17/25 Valley Forge Insurance Company 050683250 4 Point Power, Inc. ASERO INSURANCE SERVICES 1313 N MILPITAS BLVD STE 161 3155 OLSEN DR STE 400 MILPITAS, CA 95035 SAN JOSE, CA 95117 ** PAYMENT PLAN SCHEDULE ** THE BILLING FOR THIS POLICY WILL BE FORWARDED TO YOU DIRECTLY FROM CNA. THE PREMIUM AMOUNT FOR THIS TRANSACTION IS $3,910.00 . THIS PREMIUM WILL BE INVOICED BY CNA ON A SEPARATE STATEMENT ACCORDING TO THE PAYMENT OPTION YOU SELECT. ISSUE DATE 08/23/24 ªH " ( ¢ # u h 2 { ; ¥ 7 x « ¬ ¬ ¬ 40 0 2 0 0 0 8 9 7 0 3 8 5 7 2 1 8 9 1 2 7 7 END OF COPY Policy No: Insured Name: SB147052C46 (4-16) Page 1 © CNA All Rights Reserved. CHANGES - NOTICE TO CERTIFICATEHOLDERS OF CANCELLATION OR MATERIAL COVERAGE CHANGE This endorsement modifies insurance provided under the following: BUSINESSOWNERS COMMON POLICY CONDITIONS In the event of cancellation or material change that reduces or restricts the insurance afforded by this Coverage Part (other than the reduction of aggregate limits through payment of claims), we agree to mail written notice of cancellation or material change at a minimum of thirty (30) days prior to such cancellation or material change, to: SCHEDULE Name of Designated Entity:______________ Address/Contact Information of Designated Entity: ___________ *Information required to complete this Schedule, if not shown above, will be shown in the Declarations. The following conditions are added: 1.If the policy is cancelled or not renewed, we will give written notice of such cancellation or nonrenewal to the Designated Entity shown in the Schedule above, or in the Declarations, at a minimum of thirty (30) days prior to such cancellation or nonrenewal. Such notice may be delivered or sent by any means of our choosing. The notice to the Designated Entity will state the effective date of cancellation or nonrenewal. However, such notice of cancellation or nonrenewal is solely for the purpose of informing the Designated Entity of the effective date of cancellation or nonrenewal and does not grant, alter, or extend any rights or obligations under this policy. 2.If we cancel or elect not to renew the policy for any reason other than nonpayment of premium, we will give written notice to the Designated Entity shown in the Schedule above, or in the Declarations, at a minimum of thirty (30) days prior to such cancellation or nonrenewal, at the same time notice is given to the first Named Insured. 3.If we cancel or elect not to renew this policy for nonpayment of premium, we will give written notice to the Designated Entity shown in the Schedule above, or in the Declarations. Such notice may be provided before or after the effective date of cancellation or nonrenewal. 4.Failure to give notice in accordance with the terms of this endorsement does not: a. Alter the effective date of policy cancellation, nonrenewal or expiration; b.Render such cancellation or nonrenewal ineffective; c. Grant, alter, or extend any rights or obligations under this policy; or d. Extend the insurance beyond the effective date of cancellation or policy expiration, whichever comes first. All other terms and conditions of the Policy remain unchanged. This endorsement, which forms a part of and is for attachment to the Policy issued by the designated Insurers, takes effect on the effective date of said Policy at the hour stated in said Policy, unless another effective date is shown below, and expires concurrently with said Policy. COMMERCIAL INSURANCE A Custom Insurance Policy Prepared for: Presented by: Report Claims Immediately by Calling* Speak directly with a claim professional 24 hours a day, 365 days a year *Unless Your Policy Requires Written Notice or Reporting 4 POINT POWER INC 1313 N MILPITAS BLVD MILPITAS CA 95035-3193 ASERO INS SERVICES STE 161 1-800-238-6225 TRAVELERS CORP. TEL: 1-800-328-2189 COMMON POLICY DECLARATIONS POLICY NUMBER: ISSUE DATE: 1. NAMED INSURED AND MAILING ADDRESS: 2. POLICY PERIOD:From 3. LOCATIONS: Premises Bldg. AddressOccupancyLoc. No.No. 4. COVERAGE PARTS FORMING PART OF THIS POLICY AND INSURING COMPANIES: 5. NUMBERS OF FORMS AND ENDORSEMENTS Each of the following is a separate policy Policy Policy No.Insuring Company 7. PREMIUM SUMMARY: Provisional Premium $ Due at Inception $ $ NAME AND ADDRESS OF AGENT OR BROKER:COUNTERSIGNED BY: Authorized Representative DATE: INSURING COMPANY: 6. SUPPLEMENTAL POLICIES: to 12:01 A.M. Standard Time at your mailing address. FORMING A PART OF THIS POLICY: SEE IL T8 01 01 01 OFFICE: containing its complete provisions: PAGE OF Due at Each BA-2X945887-24-42-G 08/06/24 TRAVELERS CASUALTY INSURANCE COMPANY OF AMERICA 4 POINT POWER INC 1313 N MILPITAS BLVD STE 161 MILPITAS CA 95035-3193 09/20/24 09/20/25 ACJ ASERO INS SERVICES(HE871) 200 N ALMADEN BLVD # 3RD SAN JOSE CA 95110-2441 WALNUT CREEK CA ELECTRICIAN ELECTRICAL WIRING CONTRACT 9,810.00 DIRECT BILL COMMERCIAL AUTOMOBILE COV PART DECLARATIONS CA T0 01 02 15 1 1IL T0 02 11 89 (REV. 09-07) EFFECTIVE DATE: POLICY NUMBER: ISSUE DATE: BA-2X945887-24-42-G 08/06/2024 09/20/2024 LISTING OF FORMS, ENDORSEMENTS AND SCHEDULE NUMBERS THIS LISTING SHOWS THE NUMBER OF FORMS, SCHEDULES AND ENDORSEMENTS BY LINE OF BUSINESS COMMON POLICY DECLARATIONSIL T0 02 11 89 FORMS ENDORSEMENTS AND SCHEDULE NUMBERSIL T8 01 01 01 COMMON POLICY CONDITIONSIL T0 01 01 07 COMMERCIAL AUTO BA- COVERAGE PART DECS (ITEMS 1 & 2)CA T0 01 02 15 BUSINESS AUTO COVERAGE PART DECLARATIONS (ITEM 3)CA T0 02 02 15 BUS AUTO COV PART DECLARATIONS-4&5CA T0 03 02 15 BUSINESS AUTO/MC COV PART-UM SUPPL SCHDCA T0 30 02 16 TABLE OF CONTENTS-BUSINESS AUTO COV FORMCA T0 31 02 15 BUSINESS AUTO COVERAGE FORMCA 00 01 10 13 CALIFORNIA CHANGESCA 01 43 05 17 CALIFORNIA CHANGES - WAIVER OF COLLISION DEDUCTIBLECA 03 05 10 13 California Auto Medical Payments CoverageCA 04 24 10 13 EMPLOYEE HIRED AUTOSCA 20 54 10 13 CA UM MOTORISTS COVERAGE - BODILY INJURYCA 21 54 11 16 RENTAL REIMBURSEMENT COVERAGECA 99 23 10 13 CALIFORNIA AUTO ENDORSEMENTCA F1 26 02 15 SHORT TERM HIRED AUTO - ADDITIONAL INSURED AND LOSS PAYEE CA T4 52 02 16 AMENDMENT OF EMPLOYEE DEFINITIONCA T4 59 02 15 BLNKT ADDL INSD-PNC W/OTHR INS-CNTRCTRCA T4 99 02 16 ROADSIDE ASSISTANCE COVERAGECA T6 25 07 18 BLANKET WAIVER OF SUBROGATIONCA T3 40 02 15 BLANKET ADDITIONAL INSUREDCA T4 37 02 16 INTERLINE ENDORSEMENTS CALIFORNIA CHANGES - CANCELLATION AND NONRENEWALIL 02 70 07 20 AMNDT COMMON POLICY COND-PROHIBITED COVGIL T4 12 03 15 NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT (BROAD FORM) IL 00 21 09 08 POLICY HOLDER NOTICES USE OF CREDIT INFORMATION DISCLOSUREPN CB 45 04 20 IL T8 01 01 01 PAGE:OF 11 COMMON POLICY CONDITIONS All Coverage Parts included in this policy are subject to the following conditions: IL T0 01 01 07 (Rev. 06-09) Includes the copyrighted material of Insurance Services Office, Inc. with its permission.Page 1 of 2 A.Cancellation 1.The first Named Insured shown in the Decla- rations may cancel this policy by mailing or delivering to us advance written notice of cancellation. 2.We may cancel this policy or any Coverage Part by mailing or delivering to the first Named Insured written notice of cancellation at least: a.10 days before the effective date of can- cellation if we cancel for nonpayment of premium; or b.30 days before the effective date of can- cellation if we cancel for any other rea- son. 3.We will mail or deliver our notice to the first Named Insured’s last mailing address known to us. 4.Notice of cancellation will state the effective date of cancellation. If the policy is cancelled, that date will become the end of the policy period. If a Coverage Part is canceIIed, that date will become the end of the policy period as respects that Coverage Part only. 5.lf this policy or any Coverage Part is can- celled, we will send the first Named Insured any premium refund due. If we cancel, the re- fund will be pro rata. If the first Named In- sured cancels, the refund may be less than pro rata. The cancellation will be effective even if we have not made or offered a re- fund. 6.If notice is mailed, proof of mailing will be sufficient proof of notice. B.Changes This policy contains all the agreements between you and us concerning the insurance afforded. The first Named Insured shown in the Declara- tions is authorized to make changes in the terms of this policy with our consent. This policy's terms can be amended or waived only by endorsement issued by us as part of this policy. C.Examination Of Your Books And Records We may examine and audit your books and records as they relate to this policy at any time during the policy period and up to three years afterward. D.Inspections And Surveys 1.We have the right to: a.Make inspections and surveys at any time; b.Give you reports on the conditions we find; and c.Recommend changes. 2.We are not obligated to make any inspec- tions, surveys, reports or recommendations and any such actions we do undertake relate only to insurability and the premiums to be charged. We do not make safety inspections. We do not undertake to perform the duty of any person or organization to provide for the health or safety of workers or the public. And we do not warrant that conditions: a.Are safe or healthful; or b.Comply with laws, regulations, codes or standards. 3.Paragraphs 1. and 2. of this condition apply not only to us, but also to any rating, advi- sory, rate service or similar organization which makes insurance inspections, surveys, reports or recommendations. 4.Paragraph 2. of this condition does not apply to any inspections, surveys, reports or rec- ommendations we may make relative to certi- fication, under state or municipal statutes, or- dinances or regulations, of boilers, pressure vessels or elevators. E.Premiums 1.The first Named Insured shown in the Decla- rations: a.Is responsible for the payment of all pre- miums; and b.Will be the payee for any return premi- ums we pay. 2.We compute all premiums for this policy in accordance with our rules, rates, rating plans, premiums and minimum premiums. The pre- mium shown in the Declarations was com- puted based on rates and rules in effect at Secretary President IL T0 01 01 07Page 2 of 2 Includes the copyrighted material of Insurance Services Office, Inc. with its permission.(Rev. 06-09) the time the policy was issued. On each re- newal continuation or anniversary of the ef- fective date of this policy, we will compute the premium in accordance with our rates and rules then in effect. F.Transfer Of Your Rights And Duties Under This Policy Your rights and duties under this policy may not be transferred without our written consent except in the case of death of an individual named in- sured. If you die, your rights and duties will be trans- ferred to your legal representative but only while acting within the scope of duties as your legal representative. Until your legal representative is appointed, anyone having proper temporary cus- tody of your property will have your rights and duties but only with respect to that property. G.Equipment Breakdown Equivalent to Boiler and Machinery On the Common Policy Declarations, the term Equipment Breakdown is understood to mean and include Boiler and Machinery and the term Boiler and Machinery is understood to mean and include Equipment Breakdown. This policy consists of the Common Policy Declarations and the Coverage Parts and endorsements listed in that declarations form. In return for payment of the premium, we agree with the Named Insured to provide the insurance afforded by a Coverage Part forming part of this policy. That insurance will be provided by the company indicated as insuring company in the Common Policy Declarations by the abbreviation of its name opposite that Coverage Part. One of the companies listed below (each a stock company) has executed this policy, and this policy is counter- signed by the officers listed below: The Travelers Indemnity Company (IND) The Phoenix Insurance Company (PHX) The Charter Oak Fire Insurance Company (COF) Travelers Property Casualty Company of America (TIL) The Travelers Indemnity Company of Connecticut (TCT) The Travelers Indemnity Company of America (TIA) Travelers Casualty Insurance Company of America (ACJ) COMMERCIAL AUTOMOBILE COMMERCIAL AUTOMOBILE Policy Number: ISSUE DATE: COVERAGE PART DECLARATIONS BUSINESS AUTO SD BA-2X945887-24-42-G 08-06-24 ITEM ONE ITEM TWO FORM OF BUSINESS: INSURING COMPANY: A.COVERAGE AND LIMITS OF INSURANCE Coverage applies only to those “autos” shown as Covered “Autos”. "Autos" are shown as covered "autos" for the applicable coverages by the entry of one or more of the symbols from Section I – Covered Autos of the Business Auto Coverage Form next to the name of the coverage. Declarations Period: From 09-20-24 to 09-20-25 12:01 A.M. Standard Time at your mailing address shown in the Common Policy Declarations. The Commercial Auto Coverage Part consists of these Declarations and the Business Auto Coverage Form shown below. Corporation TRAVELERS CASUALTY INSURANCE COMPANY OF AMERICA COVERAGES COVERED AUTO SYMBOL LIMITS OF INSURANCE The most we will pay for any one accident or loss COVERED AUTOS LIABILITY 1 $1,000,000 AUTO MEDICAL PAYMENTS 2 $5,000 Each Insured UNINSURED and UNDERINSURED 2 See CA T0 30 MOTORISTS COVERAGE PHYSICAL DAMAGE Comprehensive Coverage 7 Actual Cash Value or Cost of Repair, whichever is less, minus deductible shown in ITEM THREE--SCHEDULE OF COVERED AUTOS YOU OWN for each covered Auto. PHYSICAL DAMAGE Collision Coverage 7 Actual Cash Value or Cost of Repair, whichever is less, minus deductible shown in ITEM THREE--SCHEDULE OF COVERED AUTOS YOU OWN for each covered Auto. B.AUDIT PERIOD:ANNUALLY PRODUCER of OFFICE Page Includes copyrighted material of Insurance Services Office, Inc. with its permission. © 2015 The Travelers Indemnity Company. All rights reserved.CA T0 01 02 15 WALNUT CREEK CA 418 41 ASERO INS SERVICES HE871 Policy Number: ISSUE DATE: COVERAGE PART DECLARATIONS BUSINESS AUTO SD BA-2X945887-24-42-G 08-06-24 C.DESCRIPTION OF COVERED AUTO DESIGNATION SYMBOLS: Symbols 1-9, 19: SEE BUSINESS AUTO COVERAGE FORM Section 1 Covered Autos PRODUCER of OFFICE Page Includes copyrighted material of Insurance Services Office, Inc. with its permission. © 2015 The Travelers Indemnity Company. All rights reserved.CA T0 01 02 15 WALNUT CREEK CA 418 42 ASERO INS SERVICES HE871 Policy Number: ISSUE DATE: COVERAGE PART DECLARATIONS BUSINESS AUTO SD BA-2X945887-24-42-G 08-06-24 D.LOSS PAYEE: Any loss under Physical Damage Coverages is payable as interest may appear to you and the Loss Payee named in the Declarations. (See Loss Payable Clause on reverse side) E.NUMBERS OF FORMS, SCHEDULES AND ENDORSEMENTS FORMING PART OF THIS COVERAGE PART: SEE IL T8 01 01 01 PRODUCER of OFFICE Page Includes copyrighted material of Insurance Services Office, Inc. with its permission. © 2015 The Travelers Indemnity Company. All rights reserved.CA T0 01 02 15 WALNUT CREEK CA 418 43 ASERO INS SERVICES HE871 Policy Number: ISSUE DATE: COVERAGE PART DECLARATIONS BUSINESS AUTO SD BA-2X945887-24-42-G 08-06-24 LOSS PAYABLE CLAUSE A.We will pay you and the loss payee named in the policy for "loss" to a covered "auto", as interest may appear. B.The insurance covers the interest of the loss payee unless the "loss" results from conversion, secretion or embezzlement on your part. C.We may cancel the policy as allowed by the CANCELLATION Common Policy Condition. Cancellation ends this agreement as to the loss payee’s interest. If we cancel the policy we will mail you and the loss payee the same advance notice. D.If we make any payment to the loss payee, we will obtain their rights against any other party. VEHICLE NUMBER SCHEDULE OF LOSS PAYEES LOSS PAYEE (Name and Address) PRODUCER of OFFICE Page Includes copyrighted material of Insurance Services Office, Inc. with its permission. © 2015 The Travelers Indemnity Company. All rights reserved.CA T0 01 02 15 WALNUT CREEK CA 418 44 ASERO INS SERVICES HE871 ITEM THREE.AUTOS YOU OWN(SEE SEPARATE PAGE EXPLAINING CERTAIN ENTRIES OR ABSENCE THEREOF) POLICY NUMBER: INSURED’S NAME:CA T0 02 02 15 SCHEDULE OF COVERED COVEREDAUTONO GARAGING CITY & STATE ZIP CODE COUNTYTOWN CODE TERRZONE CODE ISO/STAT CODE USE CLASS GVW/GCW COVERED AUTO NO YEAR MAKE/MODEL (VIN) VEHICLE ID NO COST NEW LIMIT OF INSURANCE AGE GROUP COVERED AUTO COVERED AUTO COVERED AUTO COVERED AUTO COVERED AUTO * APPLICABLE TO COMPREHENSIVE AND SPECIFIED CAUSES OF LOSS COVERAGE **APPLICABLE TO COMPREHENSIVE, SPECIFIED CAUSES OF LOSS AND COLLISION COVERAGES SPV PAGE OR SEAT CAPACITY BA-2X945887-24-42-G 4 POINT POWER INC 1 MILPITAS CA 95035 053 10,00001283 1 2003 FORD F250 1FDNF20L43EC58373 X 1 2 3 4 2 3 4 MILPITAS MILPITAS MILPITAS CA 95035 053 10,00001283 CA 95035 053 10,00001283 CA 95035 053 68183 2 2014 FORD F150 1FTMF1CM3EKD46737 F 3 2014 FORD F150 1FTMF1CM3EKD26892 F 4 2017 BIX TEX TR TRAILER 4RAL1210HK059226 C COMPREHENSIVE 3 1 DEDUCTIBLES: COLLISION PREMIUMS: COVERED AUTOS LIABILITY AUTO MED PAY 1000 1000 1000 1000 1000 1000 2212 2423 2423 173 95 95 95 10 COMPREHENSIVE COLLISION 27 58 58 59 202 202 2622 3007 3007 183TOTAL 21640 29520 29520 5000 ACV ACV ACV Total Uninsured and Underinsured Motorists Premium $426 BUSINESS AUTO POLICY NUMBER: COVERAGE PART DECLARATIONS ITEM FOUR SCHEDULE OF HIRED OR BORROWED COVERED AUTO COVERAGE AND PREMIUMS. COVERED AUTOS LIABILITY PREMIUM COVERAGE HIRE FOR ALL STATES PRIMARY $$ COVERAGE $$EXCESS COVERAGE TOTAL HIRED AUTO PREMIUM $ COVERED AUTOS STATE PREMIUM LIABILITY COVERAGE FOR EACH STATE $$ $$ TOTAL HIRED AUTO PREMIUM $ CA T0 03 02 15 ISSUE DATE: ESTIMATED ANNUAL COST OF Page 1 of 2© 2015 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc. with its permission. ESTIMATED ANNUAL COST OF HIRE PRIMARY COVERAGE EXCESS COVERAGE COVERED AUTOS LIABILITY COVERAGE – COST OF HIRE RATING BASIS FOR AUTOS USED IN YOUR MOTOR CARRIER OPERATIONS (OTHER THAN MOBILE OR FARM EQUIPMENT) COVERED AUTOS LIABILITY COVERAGE – COST OF HIRE RATING BASIS FOR AUTOS NOT USED IN YOUR MOTOR CARRIER OPERATIONS (OTHER THAN MOBILE OR FARM EQUIPMENT) For "autos" NOT used in your motor carrier operations, cost of hire means the total amount you incur for the hire of "autos" you don't own (not including "autos" you borrow or rent from your partners or "employees" or their fam- ily members). Cost of hire does not include charges for services performed by motor carriers of property or pas- sengers. For "autos" used in your motor carrier operations, cost of hire means: 1.The total dollar amount of costs you incurred for the hire of automobiles (includes "trailers" and semitrail- ers) and if not included therein, 2.The total remunerations of all operators and drivers' helpers, of hired automobiles whether hired with a driver by the lessor or an "employee" of the lessee, or any other third party, and 3.The total dollar amount of any other costs (e.g., repair, maintenance, fuel, etc.) directly associated with operating the hired automobiles whether such costs are absorbed by the "insured", paid to the lessor or owner, or paid to others. BA-2X945887-24-42-G 08-06-24 CA 1,600 445 445 COVERAGE STATE LIMIT OF INSURANCE ESTIMATED ANNUAL PREMIUM COST OF HIRE FOR EACH STATE (Excluding Autos Hired With a Driver) COMPREHENSIVE ACTUAL CASH VALUE OR COST $ OF REPAIR,WHICHEVER IS LESS, MINUS $DEDUCTIBLE. FOR EACH COVERED AUTO. ACTUAL CASH VALUE OR COST $SPECIFIED CAUSES OF OF REPAIR, WHICHEVER IS LESS, LOSS MINUS $DEDUCTIBLE. FOR EACH COVERED AUTO FOR LOSS CAUSED BY MISCHIEF OR VANDALISM. COLLISION ACTUAL CASH VALUE OR COST $ OF REPAIR, WHICHEVER IS LESS, MINUS $DEDUCTIBLE. FOR EACH COVERED AUTO. TOTAL HIRED AUTO PREMIUM $ ITEM FIVE SCHEDULE FOR NON-OWNERSHIP COVERED AUTOS LIABILITY NAMED INSURED'S BUSINESS RATING BASIS NUMBER PREMIUM NUMBER OF EMPLOYEES $OTHER THAN GARAGE SERVICE OPERATIONS AND OTHER THAN NUMBER OF PARTNERS $ (ACTIVE AND INACTIVE) NUMBER OF EMPLOYEES $ WHOSE PRINCIPAL DUTY INVOLVES THE OPERATION OF AUTOS NUMBER OF PARTNERS $ (ACTIVE AND INACTIVE) NUMBER OF EMPLOYEES $ NUMBER OF $ REGULARLY USE AUTOS TO TRANSPORT CLIENTS NUMBER OF PARTNERS $ (ACTIVE AND INACTIVE) $ CA T0 03 02 15Page 2 of 2 © 2015 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc. with its permission. TOTAL NON-OWNERSHIP COVERED AUTOS LIABILITY PREMIUM SOCIAL SERVICE AGENCIES GARAGE SERVICE OPERATIONS SOCIAL SERVICE AGENCIES VOLUNTEERS WHO PHYSICAL DAMAGE COVERAGES – COST OF HIRE RATING BASIS FOR ALL AUTOS (OTHER THAN MOBILE OR FARM EQUIPMENT) For Physical Damage Coverages, cost of hire means the total amount you incur for the hire of "autos" you don't own (not including "autos" you borrow or rent from your partners or "employees" or their family members). Cost of hire does not include charges for any "auto" that is leased, hired, rented, or borrowed with a driver. 4 96 96 EXPLANATION OF CERTAIN ENTRIES OR THE ABSENCE THEREOF ON CA T0 02/CA T0 45 THE ABSENCE OF AN ENTRY IN PREMIUM SPACES FOR A COVERAGE SHALL MEAN THAT INSURANCE IS NOT AFFORDED FOR THE DESIGNATED AUTO. THE ABBREVIATION ’ACV’ IN THE ’LIMIT OF LIABILITY’ SPACE SHALL MEAN ’ACTUALCASH VALUE’. THE ABBREVIATION ’BI’ SHALL MEAN ’BODILY INJURY’. THE ABBREVIATION ’GVW’ SHALL MEAN ’GROSS VEHICLE WEIGHT’. THE ABBREVIATION ’GCW’ SHALL MEAN ’GROSS COMBINED WEIGHT’. THE ABBREVIATION ’ADDED PIP’ SHALL MEAN ’ADDED PERSONAL INJURY PROTECTION’OR ’EQUIVALENT NO-FAULT COVERAGE’. THE ABBREVIATION ’BASIC PIP’ SHALL MEAN ’BASIC PERSONAL INJURY PROTECTION’OR ’EQUIVALENT NO-FAULT COVERAGE’. THE ABBREVIATION ’NDA’ SHALL MEAN ’NO DEDUCTIBLE APPLIES’. THE ABBREVIATION ’I’ SHALL MEAN ’DEDUCTIBLE APPLIES TO THE NAMED INSUREDONLY’. THE ABBREVIATION ’I/R’ SHALL MEAN ’DEDUCTIBLE APPLIES TO THE NAMED INSUREDAND RELATIVES’. THE ABBREVIATION ’PD’ SHALL MEAN ’PROPERTY DAMAGE’. THE ABBREVIATION ’SPEC CAUSES’ SHALL MEAN ’SPECIFIED CAUSES OF LOSSCOVERAGE’ AS DEFINED IN THE POLICY. OTHER ABBREVIATIONS DESIGNATED BELOW ARE DEFINED AS FOLLOWSTHE ABBREVIATION ’SP’ SHALL MEAN ’SPECIFIED CAUSES OF LOSS COVERAGE’. THE ABBREVIATION ’F’ SHALL MEAN ’FIRE COVERAGE’ ONLY. THE ABBREVIATION ’FT’ SHALL MEAN ’FIRE & THEFT COVERAGE’. THE ABBREVIATION ’FTW’ SHALL MEAN ’FIRE, THEFT & WINDSTORM COVERAGE’. THE ABBREVIATION ’LSP’ SHALL MEAN ’LIMITED SPECIFIED CAUSES OF LOSSCOVERAGE’. THE ABBREVIATION ’MED PAY’ SHALL MEAN ’MEDICAL PAYMENTS’. THE ABBREVIATION ’UM’ SHALL MEAN ’UNINSURED MOTORIST’. THE ABBREVIATION ’PRIM’ SHALL MEAN ’PRIMARY’. THE ABBREVIATION ’XS’ SHALL MEAN ’EXCESS’. INCLUDES COPYRIGHTED MATERIAL OF INSURANCE SERVICES OFFICE, WITH ITS PERMISSION. COPYRIGHT, INSURANCE SERVICES OFFICE, 1985 THE ABBREVIATION ’UIM’ SHALL MEAN ’UNDERINSURED MOTORIST’. THE ABBREVIATION ’LTD COLLISION’ SHALL MEAN ’LIMITED COLLISION’. THE ABBREVIATION ’CAC’ SHALL MEAN ’COMBINED ADDITIONAL COVERAGE’. THE ABBREVIATION ’FC’ SHALL MEAN ’FIRE & COMBINED ADDITIONAL COVERAGES’. THE ABBREVIATION ’SPV’ SHALL MEAN ’SELF PROPELLED VEHICLES’. THE ABBREVIATION ’PIP’ SHALL MEAN ’PERSONAL INJURY PROTECTION’ OR ’EQUIVALENT NO-FAULT COVERAGE’. BUSINESS AUTO/AUTO DEALERS/ MOTOR CARRIER COVERAGE PART SUPPLEMENTARY SCHEDULE POLICY NUMBER: ISSUE DATE: ITEM TWO COVERAGE AND LIMITS OF INSURANCE UNINSURED MOTORISTS COVERAGE AND UNDERINSURED MOTORISTS COVERAGE Coverage The LIMIT OF INSURANCE for the coverages shown below is the LIMIT OF INSURANCE shown for the State where a covered "auto" is principally garaged. Refer to the specific coverage endorsement for description of the coverage provided for each State listed below. BA-2X945887-24-42-G 08-06-24 UNINSURED MOTORISTS LIMIT OF INSURANCE "Bodily Injury" and "Property Damage" Each "Accident"State "Bodily Injury" Each "Accident" "Bodily Injury" Each Person Each "Accident" "Property Damage" Each "Accident" CA $1,000,000 UNDERINSURED MOTORISTS (When not included in Uninsured Motorists Coverage) LIMIT OF INSURANCE State "Bodily Injury" and "Property Damage" Each "Accident" "Bodily Injury" Each "Accident" "Bodily Injury" Each Person Each "Accident" "Property Damage" Each "Accident" CA T0 30 02 16 © 2015 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc. with its permission. Page of1 1 TABLE OF CONTENTS Beginning on Page Description Of Covered Auto Designation Symbols ......................................................................1 Owned Autos You Acquire After The Policy Begins ......................................................................2 Certain Trailers And Temporary Substitute Autos .........................................................................2 Coverage 2 Who Is An Insured 2 Coverage Extensions Supplementary Payments 3 Out of State 3 Exclusions 3 Limit of Insurance 5 Coverage 6 Exclusions 7 Limits of Insurance 7 Deductible 8 Appraisal For Physical Damage Loss ....................................................................................8 .............................................................8 Legal Action Against Us 8 ........................................................................9 ..........................................................9 General Conditions Bankruptcy 9 Concealment, Misrepresentation Or Fraud ............................................................................9 Liberalization 9 ............................................................9 Other Insurance 9 Premium Audit 9 Policy Period, Coverage Territory 10 Two Or More Coverage Forms Or Policies Issued By Us ....................................................10 10 CA T0 31 02 15 BUSINESS AUTO COVERAGE FORM SECTION I – COVERED AUTOS SECTION II – COVERED AUTOS LIABILITY COVERAGE SECTION III – PHYSICAL DAMAGE COVERAGE SECTION IV – BUSINESS AUTO CONDITIONS Loss Conditions Duties in the Event Of Accident, Claim, Suit or Loss Loss Payment – Physical Damage Coverage Transfer Of Rights Of Recovery Against Others To Us No Benefit To Bailee – Physical Damage Coverages SECTION V – DEFINITIONS Includes copyrighted material of Insurance Services Office, Inc. with its permission. Page 1 of 1 ..................................................................................................................................... ........................................................................................................................ ...................................................................................................... ........................................................................................................................... ..................................................................................................................................... .......................................................................................................................... ...................................................................................................................................... ..................................................................................................................................... ........................................................................................................................ ..................................................................................................................................... ........................................................................................................ ........................................................................................................................... ........................................................................................................................ .................................................................................................................... ...................................................................................................................... ....................................................................................... ............................................................................................................ © 2015 The Travelers Indemnity Compa ny. All rights reserved. COMMERCIAL AUTO Symbol Description Of Covered Auto Designation Symbols 1 2 Only Owned Private3 "Autos" Only Owned4 "Autos" Other Than Private "Autos" Only 5 Subject To No-fault 6 Subject To A Compulsory Uninsured Motorists Law Specifically7 Described "Autos" 8 Only 9 "Autos" Only CA 00 01 10 13 © Insurance Services Office, Inc., 2011 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BUSINESS AUTO COVERAGE FORM Page 1 of 12 Any "Auto" Owned "Autos" Passenger Passenger Owned "Autos" Owned "Autos" Hired "Autos" Non-owned Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered. Throughout this policy the words "you" and "your" re- fer to the Named Insured shown in the Declarations. The words "we", "us" and "our" refer to the company providing this insurance. Other words and phrases that appear in quotation marks have special meaning. Refer to Section V – Definitions. SECTION I – COVERED AUTOS Item Two of the Declarations shows the "autos" that are covered "autos" for each of your coverages. The following numerical symbols describe the "autos" that may be covered "autos". The symbols entered next to a coverage on the Declarations designate the only "autos" that are covered "autos". A.Description Of Covered Auto Designation Symbols Only those "autos" you own (and for Covered Autos Liability Coverage any "trailers" you don't own while attached to power units you own). This includes those "autos" you acquire ownership of after the policy begins. Only the private passenger "autos" you own. This includes those private passenger "autos" you acquire ownership of after the policy begins. Only those "autos" you own that are not of the private passenger type (and for Covered Autos Liability Coverage any "trailers" you don't own while attached to power units you own). This includes those "autos" not of the private passenger type you acquire ownership of after the policy begins. Only those "autos" you own that are required to have no-fault benefits in the state where they are licensed or principally garaged. This includes those "autos" you acquire ownership of after the policy begins provided they are required to have no- fault benefits in the state where they are licensed or principally garaged. Only those "autos" you own that because of the law in the state where they are licensed or principally garaged are required to have and cannot reject Uninsured Motorists Coverage. This includes those "autos" you acquire ownership of after the policy begins provided they are subject to the same state uninsured motorists requirement. Only those "autos" described in Item Three of the Declarations for which a premium charge is shown (and for Covered Autos Liability Coverage any "trailers" you don't own while attached to any power unit described in Item Three). Only those "autos" you lease, hire, rent or borrow. This does not include any "auto" you lease, hire, rent or borrow from any of your "employees", partners (if you are a partnership), members (if you are a limited liability company) or members of their households. Only those "autos" you do not own, lease, hire, rent or borrow that are used in connection with your business. This includes "autos" owned by your "employees", partners (if you are a partnership), members (if you are a limited liability company) or members of their households but only while used in your business or your personal affairs. COMMERCIAL AUTO 19 Mobile Equip- ment Subject To Compulsory Or Financial Or Other Motor Vehicle Insur- ance Law Only © Insurance Services Office, Inc., 2011 CA 00 01 10 13 Responsibility Page 2 of 12 Only those "autos" that are land vehicles and that would qualify under the definition of "mobile equipment" under this policy if they were not subject to a compulsory or financial responsibility law or other motor vehicle insurance law where they are licensed or principally garaged. B.Owned Autos You Acquire After The Policy Begins 1.If Symbols 1, 2, 3, 4, 5, 6 or 19 are entered next to a coverage in Item Two of the Decla- rations, then you have coverage for "autos" that you acquire of the type described for the remainder of the policy period. 2.But, if Symbol 7 is entered next to a coverage in Item Two of the Declarations, an "auto" you acquire will be a covered "auto" for that cov- erage only if: a.We already cover all "autos" that you own for that coverage or it replaces an "auto" you previously owned that had that cov- erage; and b.You tell us within 30 days after you ac- quire it that you want us to cover it for that coverage. C.Certain Trailers, Mobile Equipment And Tem- porary Substitute Autos If Covered Autos Liability Coverage is provided by this Coverage Form, the following types of vehi- cles are also covered "autos" for Covered Autos Liability Coverage: 1."Trailers" with a load capacity of 2,000 pounds or less designed primarily for travel on public roads. 2."Mobile equipment" while being carried or towed by a covered "auto". 3.Any "auto" you do not own while used with the permission of its owner as a temporary substitute for a covered "auto" you own that is out of service because of its: a.Breakdown; b.Repair; c.Servicing; d."Loss"; or e.Destruction. SECTION II – COVERED AUTOS LIABILITY COV- ERAGE A.Coverage We will pay all sums an "insured" legally must pay as damages because of "bodily injury" or "prop- erty damage" to which this insurance applies, caused by an "accident" and resulting from the ownership, maintenance or use of a covered "auto". We will also pay all sums an "insured" legally must pay as a "covered pollution cost or expense" to which this insurance applies, caused by an "accident" and resulting from the ownership, maintenance or use of covered "autos". However, we will only pay for the "covered pollution cost or expense" if there is either "bodily injury" or "prop- erty damage" to which this insurance applies that is caused by the same "accident". We have the right and duty to defend any "in- sured" against a "suit" asking for such damages or a "covered pollution cost or expense". How- ever, we have no duty to defend any "insured" against a "suit" seeking damages for "bodily in- jury" or "property damage" or a "covered pollution cost or expense" to which this insurance does not apply. We may investigate and settle any claim or "suit" as we consider appropriate. Our duty to de- fend or settle ends when the Covered Autos Li- ability Coverage Limit of Insurance has been ex- hausted by payment of judgments or settlements. 1.Who Is An Insured The following are "insureds": a.You for any covered "auto". b.Anyone else while using with your per- mission a covered "auto" you own, hire or borrow except: (1)The owner or anyone else from whom you hire or borrow a covered "auto". This exception does not apply if the covered "auto" is a "trailer" connected to a covered "auto" you own. COMMERCIAL AUTO CA 00 01 10 13 © Insurance Services Office, Inc., 2011 Page 3 of 12 (2)Your "employee" if the covered "auto" is owned by that "employee" or a member of his or her household. (3)Someone using a covered "auto" while he or she is working in a busi- ness of selling, servicing, repairing, parking or storing "autos" unless that business is yours. (4)Anyone other than your "employees", partners (if you are a partnership), members (if you are a limited liability company) or a lessee or borrower or any of their "employees", while mov- ing property to or from a covered "auto". (5)A partner (if you are a partnership) or a member (if you are a limited liability company) for a covered "auto" owned by him or her or a member of his or her household. c.Anyone liable for the conduct of an "in- sured" described above but only to the extent of that liability. 2.Coverage Extensions a.Supplementary Payments We will pay for the "insured": (1)All expenses we incur. (2)Up to $2,000 for cost of bail bonds (including bonds for related traffic law violations) required because of an "accident" we cover. We do not have to furnish these bonds. (3)The cost of bonds to release attach- ments in any "suit" against the "in- sured" we defend, but only for bond amounts within our Limit of Insur- ance. (4)All reasonable expenses incurred by the "insured" at our request, including actual loss of earnings up to $250 a day because of time off from work. (5)All court costs taxed against the "in- sured" in any "suit" against the "in- sured" we defend. However, these payments do not include at- torneys' fees or attorneys' expenses taxed against the "insured". (6)All interest on the full amount of any judgment that accrues after entry of the judgment in any "suit" against the "insured" we defend, but our duty to pay interest ends when we have paid, offered to pay or deposited in court the part of the judgment that is within our Limit of Insurance. These payments will not reduce the Limit of Insurance. b.Out-of-state Coverage Extensions While a covered "auto" is away from the state where it is licensed, we will: (1)Increase the Limit of Insurance for Covered Autos Liability Coverage to meet the limits specified by a com- pulsory or financial responsibility law of the jurisdiction where the covered "auto" is being used. This extension does not apply to the limit or limits specified by any law governing motor carriers of passengers or property. (2)Provide the minimum amounts and types of other coverages, such as no- fault, required of out-of-state vehicles by the jurisdiction where the covered "auto" is being used. We will not pay anyone more than once for the same elements of loss because of these extensions. B.Exclusions This insurance does not apply to any of the fol- lowing: 1.Expected Or Intended Injury "Bodily injury" or "property damage" expected or intended from the standpoint of the "in- sured". 2.Contractual Liability assumed under any contract or agreement. But this exclusion does not apply to liability for damages: a.Assumed in a contract or agreement that is an "insured contract", provided the "bodily injury" or "property damage" oc- curs subsequent to the execution of the contract or agreement; or b.That the "insured" would have in the ab- sence of the contract or agreement. 3.Workers' Compensation Any obligation for which the "insured" or the "insured's" insurer may be held liable under any workers' compensation, disability benefits COMMERCIAL AUTO © Insurance Services Office, Inc., 2011 CA 00 01 10 13Page 4 of 12 or unemployment compensation law or any similar law. 4.Employee Indemnification And Employer's Liability "Bodily injury" to: a.An "employee" of the "insured" arising out of and in the course of: (1)Employment by the "insured"; or (2)Performing the duties related to the conduct of the "insured's" business; or b.The spouse, child, parent, brother or sis- ter of that "employee" as a consequence of Paragraph a. above. This exclusion applies: (1)Whether the "insured" may be liable as an employer or in any other ca- pacity; and (2)To any obligation to share damages with or repay someone else who must pay damages because of the in- jury. But this exclusion does not apply to "bodily in- jury" to domestic "employees" not entitled to workers' compensation benefits or to liability assumed by the "insured" under an "insured contract". For the purposes of the Coverage Form, a domestic "employee" is a person en- gaged in household or domestic work per- formed principally in connection with a resi- dence premises. 5.Fellow Employee "Bodily injury" to: a.Any fellow "employee" of the "insured" arising out of and in the course of the fel- low "employee's" employment or while performing duties related to the conduct of your business; or b.The spouse, child, parent, brother or sis- ter of that fellow "employee" as a conse- quence of Paragraph a. above. 6.Care, Custody Or Control "Property damage" to or "covered pollution cost or expense" involving property owned or transported by the "insured" or in the "in- sured's" care, custody or control. But this ex- clusion does not apply to liability assumed under a sidetrack agreement. 7.Handling Of Property "Bodily injury" or "property damage" resulting from the handling of property: a.Before it is moved from the place where it is accepted by the "insured" for move- ment into or onto the covered "auto"; or b.After it is moved from the covered "auto" to the place where it is finally delivered by the "insured". 8.Movement Of Property By Mechanical De- vice "Bodily injury" or "property damage" resulting from the movement of property by a me- chanical device (other than a hand truck) unless the device is attached to the covered "auto". 9.Operations "Bodily injury" or "property damage" arising out of the operation of: a.Any equipment listed in Paragraphs 6.b. and 6.c. of the definition of "mobile equipment"; or b.Machinery or equipment that is on, at- tached to or part of a land vehicle that would qualify under the definition of "mo- bile equipment" if it were not subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. 10.Completed Operations "Bodily injury" or "property damage" arising out of your work after that work has been completed or abandoned. In this exclusion, your work means: a.Work or operations performed by you or on your behalf; and b.Materials, parts or equipment furnished in connection with such work or operations. Your work includes warranties or representa- tions made at any time with respect to the fit- ness, quality, durability or performance of any of the items included in Paragraph a. or b. above. Your work will be deemed completed at the earliest of the following times: (1)When all of the work called for in your contract has been completed; (2)When all of the work to be done at the site has been completed if your COMMERCIAL AUTO CA 00 01 10 13 © Insurance Services Office, Inc., 2011 Page 5 of 12 contract calls for work at more than one site; or (3)When that part of the work done at a job site has been put to its intended use by any person or organization other than another contractor or sub- contractor working on the same pro- ject. Work that may need service, maintenance, correction, repair or replacement, but which is otherwise complete, will be treated as com- pleted. 11.Pollution "Bodily injury" or "property damage" arising out of the actual, alleged or threatened dis- charge, dispersal, seepage, migration, re- lease or escape of "pollutants": a.That are, or that are contained in any property that is: (1)Being transported or towed by, han- dled or handled for movement into, onto or from the covered "auto"; (2)Otherwise in the course of transit by or on behalf of the "insured"; or (3)Being stored, disposed of, treated or processed in or upon the covered "auto"; b.Before the "pollutants" or any property in which the "pollutants" are contained are moved from the place where they are ac- cepted by the "insured" for movement into or onto the covered "auto"; or c.After the "pollutants" or any property in which the "pollutants" are contained are moved from the covered "auto" to the place where they are finally delivered, disposed of or abandoned by the "in- sured". Paragraph a. above does not apply to fuels, lubricants, fluids, exhaust gases or other simi- lar "pollutants" that are needed for or result from the normal electrical, hydraulic or me- chanical functioning of the covered "auto" or its parts if: (1)The "pollutants" escape, seep, mi- grate or are discharged, dispersed or released directly from an "auto" part designed by its manufacturer to hold, store, receive or dispose of such "pol- lutants"; and (2)The "bodily injury", "property dam- age" or "covered pollution cost or ex- pense" does not arise out of the op- eration of any equipment listed in Paragraphs 6.b. and 6.c. of the defi- nition of "mobile equipment". Paragraphs b. and c. above of this exclusion do not apply to "accidents" that occur away from premises owned by or rented to an "in- sured" with respect to "pollutants" not in or upon a covered "auto" if: (a)The "pollutants" or any property in which the "pollutants" are con- tained are upset, overturned or damaged as a result of the main- tenance or use of a covered "auto"; and (b)The discharge, dispersal, seep- age, migration, release or escape of the "pollutants" is caused di- rectly by such upset, overturn or damage. 12.War "Bodily injury" or "property damage" arising directly or indirectly out of: a.War, including undeclared or civil war; b.Warlike action by a military force, includ- ing action in hindering or defending against an actual or expected attack, by any government, sovereign or other au- thority using military personnel or other agents; or c.Insurrection, rebellion, revolution, usurped power or action taken by gov- ernmental authority in hindering or de- fending against any of these. 13.Racing Covered "autos" while used in any profes- sional or organized racing or demolition con- test or stunting activity, or while practicing for such contest or activity. This insurance also does not apply while that covered "auto" is being prepared for such a contest or activity. C.Limit Of Insurance Regardless of the number of covered "autos", "insureds", premiums paid, claims made or vehi- cles involved in the "accident", the most we will pay for the total of all damages and "covered pol- lution cost or expense" combined resulting from any one "accident" is the Limit Of Insurance for Covered Autos Liability Coverage shown in the Declarations. COMMERCIAL AUTO © Insurance Services Office, Inc., 2011 CA 00 01 10 13Page 6 of 12 All "bodily injury", "property damage" and "cov- ered pollution cost or expense" resulting from continuous or repeated exposure to substantially the same conditions will be considered as result- ing from one "accident". No one will be entitled to receive duplicate pay- ments for the same elements of "loss" under this Coverage Form and any Medical Payments Cov- erage endorsement, Uninsured Motorists Cover- age endorsement or Underinsured Motorists Coverage endorsement attached to this Coverage Part. SECTION III – PHYSICAL DAMAGE COVERAGE A.Coverage 1.We will pay for "loss" to a covered "auto" or its equipment under: a.Comprehensive Coverage From any cause except: (1)The covered "auto's" collision with another object; or (2)The covered "auto's" overturn. b.Specified Causes Of Loss Coverage Caused by: (1)Fire, lightning or explosion; (2)Theft; (3)Windstorm, hail or earthquake; (4)Flood; (5)Mischief or vandalism; or (6)The sinking, burning, collision or de- railment of any conveyance transport- ing the covered "auto". c.Collision Coverage Caused by: (1)The covered "auto's" collision with another object; or (2)The covered "auto's" overturn. 2. Towing We will pay up to the limit shown in the Decla- rations for towing and labor costs incurred each time a covered "auto" of the private passenger type is disabled. However, the la- bor must be performed at the place of dis- ablement. 3. Glass Breakage – Hitting A Bird Or Animal – Falling Objects Or Missiles If you carry Comprehensive Coverage for the damaged covered "auto", we will pay for the following under Comprehensive Coverage: a.Glass breakage; b."Loss" caused by hitting a bird or animal; and c."Loss" caused by falling objects or mis- siles. However, you have the option of having glass breakage caused by a covered "auto's" colli- sion or overturn considered a "loss" under Collision Coverage. 4.Coverage Extensions a.Transportation Expenses We will pay up to $20 per day, to a maxi- mum of $600, for temporary transporta- tion expense incurred by you because of the total theft of a covered "auto" of the private passenger type. We will pay only for those covered "autos" for which you carry either Comprehensive or Specified Causes Of Loss Coverage. We will pay for temporary transportation expenses in- curred during the period beginning 48 hours after the theft and ending, regard- less of the policy's expiration, when the covered "auto" is returned to use or we pay for its "loss". b.Loss Of Use Expenses For Hired Auto Physical Damage, we will pay expenses for which an "insured" be- comes legally responsible to pay for loss of use of a vehicle rented or hired without a driver under a written rental contract or agreement. We will pay for loss of use expenses if caused by: (1)Other than collision only if the Decla- rations indicates that Comprehensive Coverage is provided for any covered "auto"; (2)Specified Causes Of Loss only if the Declarations indicates that Specified Causes Of Loss Coverage is pro- vided for any covered "auto"; or (3)Collision only if the Declarations indi- cates that Collision Coverage is pro- vided for any covered "auto". However, the most we will pay for any expenses for loss of use is $20 per day, to a maximum of $600. B.Exclusions 1.We will not pay for "loss" caused by or result- ing from any of the following. Such "loss" is excluded regardless of any other cause or COMMERCIAL AUTO CA 00 01 10 13 © Insurance Services Office, Inc., 2011 Page 7 of 12 event that contributes concurrently or in any sequence to the "loss". a.Nuclear Hazard (1)The explosion of any weapon em- ploying atomic fission or fusion; or (2)Nuclear reaction or radiation, or ra- dioactive contamination, however caused. b.War Or Military Action (1)War, including undeclared or civil war; (2)Warlike action by a military force, in- cluding action in hindering or defend- ing against an actual or expected at- tack, by any government, sovereign or other authority using military per- sonnel or other agents; or (3)Insurrection, rebellion, revolution, usurped power or action taken by governmental authority in hindering or defending against any of these. 2.We will not pay for "loss" to any covered "auto" while used in any professional or or- ganized racing or demolition contest or stunt- ing activity, or while practicing for such con- test or activity. We will also not pay for "loss" to any covered "auto" while that covered "auto" is being prepared for such a contest or activity. 3.We will not pay for "loss" due and confined to: a.Wear and tear, freezing, mechanical or electrical breakdown. b.Blowouts, punctures or other road dam- age to tires. This exclusion does not apply to such "loss" resulting from the total theft of a covered "auto". 4.We will not pay for "loss" to any of the follow- ing: a.Tapes, records, discs or other similar au- dio, visual or data electronic devices de- signed for use with audio, visual or data electronic equipment. b.Any device designed or used to detect speed-measuring equipment, such as ra- dar or laser detectors, and any jamming apparatus intended to elude or disrupt speed-measuring equipment. c.Any electronic equipment, without regard to whether this equipment is permanently installed, that reproduces, receives or transmits audio, visual or data signals. d.Any accessories used with the electronic equipment described in Paragraph c. above. 5.Exclusions 4.c. and 4.d. do not apply to equipment designed to be operated solely by use of the power from the "auto's" electrical system that, at the time of "loss", is: a.Permanently installed in or upon the cov- ered "auto"; b.Removable from a housing unit which is permanently installed in or upon the cov- ered "auto"; c.An integral part of the same unit housing any electronic equipment described in Paragraphs a. and b. above; or d.Necessary for the normal operation of the covered "auto" or the monitoring of the covered "auto's" operating system. 6.We will not pay for "loss" to a covered "auto" due to "diminution in value". C.Limits Of Insurance 1.The most we will pay for: a."Loss" to any one covered "auto" is the lesser of: (1)The actual cash value of the dam- aged or stolen property as of the time of the "loss"; or (2)The cost of repairing or replacing the damaged or stolen property with other property of like kind and quality. b.All electronic equipment that reproduces, receives or transmits audio, visual or data signals in any one "loss" is $1,000, if, at the time of "loss", such electronic equip- ment is: (1)Permanently installed in or upon the covered "auto" in a housing, opening or other location that is not normally used by the "auto" manufacturer for the installation of such equipment; (2)Removable from a permanently in- stalled housing unit as described in Paragraph b.(1) above; or (3)An integral part of such equipment as described in Paragraphs b.(1) and b.(2) above. COMMERCIAL AUTO © Insurance Services Office, Inc., 2011 CA 00 01 10 13Page 8 of 12 2.An adjustment for depreciation and physical condition will be made in determining actual cash value in the event of a total "loss". 3.If a repair or replacement results in better than like kind or quality, we will not pay for the amount of the betterment. D.Deductible For each covered "auto", our obligation to pay for, repair, return or replace damaged or stolen prop- erty will be reduced by the applicable deductible shown in the Declarations. Any Comprehensive Coverage deductible shown in the Declarations does not apply to "loss" caused by fire or light- ning. SECTION IV – BUSINESS AUTO CONDITIONS The following conditions apply in addition to the Common Policy Conditions: A.Loss Conditions 1.Appraisal For Physical Damage Loss If you and we disagree on the amount of "loss", either may demand an appraisal of the "loss". In this event, each party will select a competent appraiser. The two appraisers will select a competent and impartial umpire. The appraisers will state separately the actual cash value and amount of "loss". If they fail to agree, they will submit their differences to the umpire. A decision agreed to by any two will be binding. Each party will: a.Pay its chosen appraiser; and b.Bear the other expenses of the appraisal and umpire equally. If we submit to an appraisal, we will still retain our right to deny the claim. 2.Duties In The Event Of Accident, Claim, Suit Or Loss We have no duty to provide coverage under this policy unless there has been full compli- ance with the following duties: a.In the event of "accident", claim, "suit" or "loss", you must give us or our authorized representative prompt notice of the "acci- dent" or "loss". Include: (1)How, when and where the "accident" or "loss" occurred; (2)The "insured's" name and address; and (3)To the extent possible, the names and addresses of any injured persons and witnesses. b.Additionally, you and any other involved "insured" must: (1)Assume no obligation, make no pay- ment or incur no expense without our consent, except at the "insured's" own cost. (2)Immediately send us copies of any request, demand, order, notice, summons or legal paper received concerning the claim or "suit". (3)Cooperate with us in the investigation or settlement of the claim or defense against the "suit". (4)Authorize us to obtain medical re- cords or other pertinent information. (5)Submit to examination, at our ex- pense, by physicians of our choice, as often as we reasonably require. c.If there is "loss" to a covered "auto" or its equipment, you must also do the follow- ing: (1)Promptly notify the police if the cov- ered "auto" or any of its equipment is stolen. (2)Take all reasonable steps to protect the covered "auto" from further dam- age. Also keep a record of your ex- penses for consideration in the set- tlement of the claim. (3)Permit us to inspect the covered "auto" and records proving the "loss" before its repair or disposition. (4)Agree to examinations under oath at our request and give us a signed statement of your answers. 3.Legal Action Against Us No one may bring a legal action against us under this Coverage Form until: a.There has been full compliance with all the terms of this Coverage Form; and b.Under Covered Autos Liability Coverage, we agree in writing that the "insured" has an obligation to pay or until the amount of that obligation has finally been deter- mined by judgment after trial. No one has the right under this policy to bring us into an action to determine the "insured's" li- ability. COMMERCIAL AUTO CA 00 01 10 13 © Insurance Services Office, Inc., 2011 Page 9 of 12 4.Loss Payment – Physical Damage Cover- ages At our option, we may: a.Pay for, repair or replace damaged or sto- len property; b.Return the stolen property, at our ex- pense. We will pay for any damage that results to the "auto" from the theft; or c.Take all or any part of the damaged or stolen property at an agreed or appraised value. If we pay for the "loss", our payment will in- clude the applicable sales tax for the dam- aged or stolen property. 5.Transfer Of Rights Of Recovery Against Others To Us If any person or organization to or for whom we make payment under this Coverage Form has rights to recover damages from another, those rights are transferred to us. That person or organization must do everything necessary to secure our rights and must do nothing after "accident" or "loss" to impair them. B.General Conditions 1.Bankruptcy Bankruptcy or insolvency of the "insured" or the "insured's" estate will not relieve us of any obligations under this Coverage Form. 2.Concealment, Misrepresentation Or Fraud This Coverage Form is void in any case of fraud by you at any time as it relates to this Coverage Form. It is also void if you or any other "insured", at any time, intentionally con- ceals or misrepresents a material fact con- cerning: a.This Coverage Form; b.The covered "auto"; c.Your interest in the covered "auto"; or d.A claim under this Coverage Form. 3.Liberalization If we revise this Coverage Form to provide more coverage without additional premium charge, your policy will automatically provide the additional coverage as of the day the re- vision is effective in your state. 4.No Benefit To Bailee – Physical Damage Coverages We will not recognize any assignment or grant any coverage for the benefit of any per- son or organization holding, storing or trans- porting property for a fee regardless of any other provision of this Coverage Form. 5.Other Insurance a.For any covered "auto" you own, this Coverage Form provides primary insur- ance. For any covered "auto" you don't own, the insurance provided by this Cov- erage Form is excess over any other col- lectible insurance. However, while a cov- ered "auto" which is a "trailer" is con- nected to another vehicle, the Covered Autos Liability Coverage this Coverage Form provides for the "trailer" is: (1)Excess while it is connected to a mo- tor vehicle you do not own; or (2)Primary while it is connected to a covered "auto" you own. b.For Hired Auto Physical Damage Cover- age, any covered "auto" you lease, hire, rent or borrow is deemed to be a covered "auto" you own. However, any "auto" that is leased, hired, rented or borrowed with a driver is not a covered "auto". c.Regardless of the provisions of Para- graph a. above, this Coverage Form's Covered Autos Liability Coverage is pri- mary for any liability assumed under an "insured contract". d.When this Coverage Form and any other Coverage Form or policy covers on the same basis, either excess or primary, we will pay only our share. Our share is the proportion that the Limit of Insurance of our Coverage Form bears to the total of the limits of all the Coverage Forms and policies covering on the same basis. 6.Premium Audit a.The estimated premium for this Coverage Form is based on the exposures you told us you would have when this policy be- gan. We will compute the final premium due when we determine your actual ex- posures. The estimated total premium will be credited against the final premium due and the first Named Insured will be billed for the balance, if any. The due date for the final premium or retrospective pre- mium is the date shown as the due date on the bill. If the estimated total premium exceeds the final premium due, the first Named Insured will get a refund. COMMERCIAL AUTO © Insurance Services Office, Inc., 2011 CA 00 01 10 13Page 10 of 12 b.If this policy is issued for more than one year, the premium for this Coverage Form will be computed annually based on our rates or premiums in effect at the begin- ning of each year of the policy. 7.Policy Period, Coverage Territory Under this Coverage Form, we cover "acci- dents" and "losses" occurring: a.During the policy period shown in the Declarations; and b.Within the coverage territory. The coverage territory is: (1)The United States of America; (2)The territories and possessions of the United States of America; (3)Puerto Rico; (4)Canada; and (5)Anywhere in the world if a covered "auto" of the private passenger type is leased, hired, rented or borrowed without a driver for a period of 30 days or less, provided that the "insured's" responsibility to pay damages is determined in a "suit" on the merits, in the United States of America, the territories and possessions of the United States of America, Puerto Rico or Canada, or in a settlement we agree to. We also cover "loss" to, or "accidents" involv- ing, a covered "auto" while being transported between any of these places. 8.Two Or More Coverage Forms Or Policies Issued By Us If this Coverage Form and any other Cover- age Form or policy issued to you by us or any company affiliated with us applies to the same "accident", the aggregate maximum Limit of Insurance under all the Coverage Forms or policies shall not exceed the highest applicable Limit of Insurance under any one Coverage Form or policy. This condition does not apply to any Coverage Form or policy is- sued by us or an affiliated company specifi- cally to apply as excess insurance over this Coverage Form. SECTION V – DEFINITIONS A."Accident" includes continuous or repeated expo- sure to the same conditions resulting in "bodily in- jury" or "property damage". B."Auto" means: 1.A land motor vehicle, "trailer" or semitrailer designed for travel on public roads; or 2.Any other land vehicle that is subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. However, "auto" does not include "mobile equip- ment". C."Bodily injury" means bodily injury, sickness or disease sustained by a person, including death resulting from any of these. D."Covered pollution cost or expense" means any cost or expense arising out of: 1.Any request, demand, order or statutory or regulatory requirement that any "insured" or others test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of, "pol- lutants"; or 2.Any claim or "suit" by or on behalf of a gov- ernmental authority for damages because of testing for, monitoring, cleaning up, removing, containing, treating, detoxifying or neutraliz- ing, or in any way responding to, or assessing the effects of, "pollutants". "Covered pollution cost or expense" does not in- clude any cost or expense arising out of the ac- tual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of "pollut- ants": a.That are, or that are contained in any property that is: (1)Being transported or towed by, han- dled or handled for movement into, onto or from the covered "auto"; (2)Otherwise in the course of transit by or on behalf of the "insured"; or (3)Being stored, disposed of, treated or processed in or upon the covered "auto"; b.Before the "pollutants" or any property in which the "pollutants" are contained are moved from the place where they are ac- cepted by the "insured" for movement into or onto the covered "auto"; or c.After the "pollutants" or any property in which the "pollutants" are contained are moved from the covered "auto" to the place where they are finally delivered, disposed of or abandoned by the "in- sured". COMMERCIAL AUTO CA 00 01 10 13 © Insurance Services Office, Inc., 2011 Page 11 of 12 Paragraph a. above does not apply to fuels, lubricants, fluids, exhaust gases or other simi- lar "pollutants" that are needed for or result from the normal electrical, hydraulic or me- chanical functioning of the covered "auto" or its parts, if: (1)The "pollutants" escape, seep, mi- grate or are discharged, dispersed or released directly from an "auto" part designed by its manufacturer to hold, store, receive or dispose of such "pol- lutants"; and (2)The "bodily injury", "property dam- age" or "covered pollution cost or ex- pense" does not arise out of the op- eration of any equipment listed in Paragraph 6.b. or 6.c. of the defini- tion of "mobile equipment". Paragraphs b. and c. above do not apply to "accidents" that occur away from premises owned by or rented to an "insured" with re- spect to "pollutants" not in or upon a covered "auto" if: (a)The "pollutants" or any property in which the "pollutants" are con- tained are upset, overturned or damaged as a result of the main- tenance or use of a covered "auto"; and (b)The discharge, dispersal, seep- age, migration, release or escape of the "pollutants" is caused di- rectly by such upset, overturn or damage. E."Diminution in value" means the actual or per- ceived loss in market value or resale value which results from a direct and accidental "loss". F."Employee" includes a "leased worker". "Em- ployee" does not include a "temporary worker". G."Insured" means any person or organization quali- fying as an insured in the Who Is An Insured pro- vision of the applicable coverage. Except with re- spect to the Limit of Insurance, the coverage af- forded applies separately to each insured who is seeking coverage or against whom a claim or "suit" is brought. H."Insured contract" means: 1.A lease of premises; 2.A sidetrack agreement; 3.Any easement or license agreement, except in connection with construction or demolition operations on or within 50 feet of a railroad; 4.An obligation, as required by ordinance, to in- demnify a municipality, except in connection with work for a municipality; 5.That part of any other contract or agreement pertaining to your business (including an in- demnification of a municipality in connection with work performed for a municipality) under which you assume the tort liability of another to pay for "bodily injury" or "property damage" to a third party or organization. Tort liability means a liability that would be imposed by law in the absence of any contract or agree- ment; or 6.That part of any contract or agreement en- tered into, as part of your business, pertaining to the rental or lease, by you or any of your "employees", of any "auto". However, such contract or agreement shall not be considered an "insured contract" to the extent that it obli- gates you or any of your "employees" to pay for "property damage" to any "auto" rented or leased by you or any of your "employees". An "insured contract" does not include that part of any contract or agreement: a.That indemnifies a railroad for "bodily in- jury" or "property damage" arising out of construction or demolition operations, within 50 feet of any railroad property and affecting any railroad bridge or trestle, tracks, roadbeds, tunnel, underpass or crossing; b.That pertains to the loan, lease or rental of an "auto" to you or any of your "em- ployees", if the "auto" is loaned, leased or rented with a driver; or c.That holds a person or organization en- gaged in the business of transporting property by "auto" for hire harmless for your use of a covered "auto" over a route or territory that person or organization is authorized to serve by public authority. I."Leased worker" means a person leased to you by a labor leasing firm under an agreement be- tween you and the labor leasing firm to perform duties related to the conduct of your business. "Leased worker" does not include a "temporary worker". J."Loss" means direct and accidental loss or dam- age. K."Mobile equipment" means any of the following types of land vehicles, including any attached machinery or equipment: COMMERCIAL AUTO © Insurance Services Office, Inc., 2011 CA 00 01 10 13Page 12 of 12 1.Bulldozers, farm machinery, forklifts and other vehicles designed for use principally off public roads; 2.Vehicles maintained for use solely on or next to premises you own or rent; 3.Vehicles that travel on crawler treads; 4.Vehicles, whether self-propelled or not, main- tained primarily to provide mobility to perma- nently mounted: a.Power cranes, shovels, loaders, diggers or drills; or b.Road construction or resurfacing equip- ment such as graders, scrapers or rollers; 5.Vehicles not described in Paragraph 1., 2., 3. or 4. above that are not self-propelled and are maintained primarily to provide mobility to permanently attached equipment of the fol- lowing types: a.Air compressors, pumps and generators, including spraying, welding, building cleaning, geophysical exploration, lighting and well-servicing equipment; or b.Cherry pickers and similar devices used to raise or lower workers; or 6.Vehicles not described in Paragraph 1., 2., 3. or 4. above maintained primarily for purposes other than the transportation of persons or cargo. However, self-propelled vehicles with the following types of permanently attached equipment are not "mobile equipment" but will be considered "autos": a.Equipment designed primarily for: (1)Snow removal; (2)Road maintenance, but not construc- tion or resurfacing; or (3)Street cleaning; b.Cherry pickers and similar devices mounted on automobile or truck chassis and used to raise or lower workers; and c.Air compressors, pumps and generators, including spraying, welding, building cleaning, geophysical exploration, lighting or well-servicing equipment. However, "mobile equipment" does not include land vehicles that are subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. Land vehicles subject to a compulsory or financial responsibility law or other motor vehi- cle insurance law are considered "autos". L."Pollutants" means any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste. Waste includes materials to be recycled, reconditioned or reclaimed. M."Property damage" means damage to or loss of use of tangible property. N."Suit" means a civil proceeding in which: 1.Damages because of "bodily injury" or "prop- erty damage"; or 2.A "covered pollution cost or expense"; to which this insurance applies, are alleged. "Suit" includes: a.An arbitration proceeding in which such damages or "covered pollution costs or expenses" are claimed and to which the "insured" must submit or does submit with our consent; or b.Any other alternative dispute resolution proceeding in which such damages or "covered pollution costs or expenses" are claimed and to which the insured submits with our consent. O."Temporary worker" means a person who is fur- nished to you to substitute for a permanent "em- ployee" on leave or to meet seasonal or short- term workload conditions. P."Trailer" includes semitrailer. COMMERCIAL AUTO THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CALIFORNIA CHANGES AUTO DEALERS COVERAGE FORM BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM CA 01 43 05 17 © Insurance Services Office, Inc., 2016 Page 1 of 2 For a covered “auto” licensed or principally garaged in, or “auto dealer operations” conducted in, California, this endorsement modifies insurance provided under the following: With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by the endorsement. A.The following are added to the Other Insurance Condition in the Auto Dealers and Business Auto Coverage Forms and the Other Insurance – Primary And Excess Insurance Provisions Condition in the Motor Carrier Coverage Form and supersede any provisions to the contrary: 1.When this Coverage Form and any other Coverage Form or policy providing liability coverage apply to an “auto” and: a.One provides coverage to a Named Insured engaged in the business of selling, repairing, servicing, delivering, testing or road-testing “autos”; and b.The other provides coverage to a person not engaged in that business; and c.At the time of an “accident”, a person described in Paragraph 1.b. is operating an “auto” owned by the business described in Paragraph 1.a., then that person’s liability coverage is primary and the Coverage Form issued to a business described in Paragraph 1.a. is excess over any coverage available to that person. 2.When this Coverage Form and any other Coverage Form or policy providing liability coverage apply to an “auto” and: a.One provides coverage to a Named Insured engaged in the business of selling, repairing, servicing, delivering, testing or road-testing “autos”; and b.The other provides coverage to a person not engaged in that business; and c.At the time of an “accident”, an “insured” under the Coverage Form described in Paragraph 2.a. is operating an “auto” owned by a person described in Paragraph 2.b., then the Coverage Form issued to the business described in Paragraph 2.a. is primary and the liability coverage issued to a person described in Paragraph 2.b. is excess over any coverage available to the business. 3.When this Coverage Form and any other Coverage Form or policy providing liability coverage apply to a “commercial vehicle” and: a.One provides coverage to a Named Insured, who in the course of business, rents or leases “commercial vehicles” without operators; and b.The other provides coverage to a person other than as described in Paragraph 3.a.; and c.At the time of an “accident”, a person who is not the Named Insured of the Policy described in Paragraph 3.a., and who is not the agent or “employee” of such Named Insured, is operating a “commercial vehicle” provided by the business covered by the Coverage Form or policy described in Paragraph 3.a., then the liability coverage provided by the Coverage Form or policy described in Paragraph 3.b. is primary, and the liability coverage provided by the Coverage Form or policy described in Paragraph 3.a. is excess over any coverage available to that person. 4.Notwithstanding Paragraph A.3., when this Coverage Form and any other Coverage Form or policy providing liability coverage apply to a power unit and any connected “trailer” or “trailers” and: a.One provides coverage to a Named Insured engaged in the business of COMMERCIAL AUTO Page 2 of 2 © Insurance Services Office, Inc., 2016 CA 01 43 05 17 transporting property by “auto” for hire; and b.The other provides coverage to a Named Insured not engaged in that business; and c.At the time of an “accident”, a power unit is being operated by a person insured under the Coverage Form or policy described in Paragraph 4.a., then that Coverage Form or policy is primary for both the power unit and any connected “trailer” or “trailers” and the Coverage Form or policy described in Paragraph 4.b. is excess over any other coverage available to such power unit and attached “trailer” or “trailers”. B.As used in this endorsement: “Commercial vehicle” means an “auto” subject to registration or identification under California law which is: 1.Used or maintained for the transportation of persons for hire, compensation or profit; 2.Designed, used or maintained primarily for the transportation of property; or 3.Leased for a period of six months or more. POLICY NUMBER:ISSUE DATE: COMMERCIAL AUTO THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CALIFORNIA CHANGES – WAIVER OF COLLISION DEDUCTIBLE AUTO DEALERS COVERAGE FORM BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM Waiver Of Collision Deductible Designation Or Description Of Covered "Auto"Premium Information required to complete this Schedule, if not shown above, will be shown in the Declarations. CA 03 05 10 13 © Insurance Services Office, Inc., 2012 SCHEDULE Page of PREMIUM SHOWN IN SCHEDULE OF COVERED AUTOS YOU OWN For a covered "auto" licensed or principally garaged in, or "auto dealer operations" conducted in, California, this endorsement modifies insurance provided under the following: With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modi- fied by the endorsement. A.When Physical Damage Coverage provides cov- erage for a "loss" to a covered "auto" caused by its collision or upset, and: 1.The "loss" involves an "uninsured motor vehi- cle"; and 2.You are legally entitled to recover the full amount of your "loss" from the owner or op- erator of the "uninsured motor vehicle"; and 3.The Schedule indicates that the Waiver Of Collision Deductible provision applies to the covered "auto"; then we will pay the full deductible. Subject to the above, if you are legally entitled to recover only a percentage of your "loss", we will pay that per- centage of your deductible. However, if the amount of the "loss" is less than your deductible, we will pay the percentage of the "loss" that you are legally entitled to recover. In no event will we pay more than the amount of the "loss". B.Conditions 1.The following is added to the Conditions section: Arbitration a.If we and an "insured" disagree whether the "insured" is legally entitled to recover damages from the owner or operator of an "uninsured motor vehicle" or do not agree as to the amount of damages that are recoverable by that "insured", the dis- agreement will be settled by a single neu- tral arbitrator. However, disputes con- cerning coverage under this endorsement may not be arbitrated. The arbitration must be formally instituted by the "in- sured" within one year from the date of the "accident". Each party will bear the expenses of the arbitrator equally. 1 2 3 BA-2X945887-24-42-G 08-06-24 1 2 COMMERCIAL AUTO © Insurance Services Office, Inc., 2012 CA 03 05 10 13Pageof b.Unless both parties agree otherwise, arbi- tration will take place in the county in which the "insured" lives. Local rules of law as to arbitration procedure and evi- dence will apply. The decision of the arbi- trator will be binding. 2.Paragraph 2.a. of the Duties In The Event Of Accident, Claim, Suit Or Loss Condition in the Business Auto and Motor Carrier Cover- age Forms and Paragraph 2.a. of the Duties In The Event Of Accident, Claim, Offense, Suit, Loss Or Acts, Errors Or Omissions Condition in the Auto Dealers Coverage Form are replaced by the following: a.You must report the "accident" or "loss" to us or our agent within 10 business days. You must tell us how, when and where the "loss" happened. You must assist in obtaining names and addresses of any in- jured persons and witnesses. C.Additional Definitions As used in this endorsement: 1.For Physical Damage Coverage: a."Auto" means a self-propelled motor ve- hicle. However, it does not include: (1)A vehicle transporting persons for hire, compensation or profit, other than a van pool vehicle; (2)A vehicle designed, used or main- tained primarily for the transportation of property; or (3)"Mobile equipment". b."Uninsured motor vehicle" means a land motor vehicle or trailer which is involved in a collision with a covered "auto" and for which: (1)No liability bond or policy at the time of an "accident" provides at least the amount required for property damage liability by the California Financial Responsibility Law; or (2)The insuring or bonding company denies coverage or refuses to admit coverage except conditionally or with reservation or becomes insolvent. The collision must involve direct physical contact between a covered "auto" and the "uninsured motor vehicle" and: (1)The owner or operator of that vehicle must be identified; or (2)The "uninsured motor vehicle" must be identified by its license number. However, "uninsured motor vehicle" does not include any vehicle: (1)Owned or operated by a self-insurer under any applicable motor vehicle law except a self-insurer who is or becomes insolvent and cannot pro- vide the amounts required by that motor vehicle law; (2)Owned by a governmental unit or agency; or (3)Designed for use mainly off public roads while not on public roads. 2 2 COMMERCIAL AUTO CA 04 24 10 13 © Insurance Services Office, Inc., 2012 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CALIFORNIA AUTO MEDICAL PAYMENTS COVERAGE Page 1 of 2 This endorsement modifies insurance provided under the following: AUTO DEALERS COVERAGE FORM BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modi- fied by the endorsement. A.Coverage We will pay reasonable expenses incurred for necessary medical and funeral services to or for an "insured" who sustains "bodily injury" caused by "accident". We will pay only those expenses incurred, for services rendered within three years from the date of the "accident". B.Who Is An Insured 1.You while "occupying" or, while a pedestrian, when struck by any "auto". 2.If you are an individual, any "family member" while "occupying" or, while a pedestrian, when struck by any "auto". 3.Anyone else "occupying" a covered "auto" or a temporary substitute for a covered "auto". The covered "auto" must be out of service because of its breakdown, repair, servicing, loss or destruction. C.Exclusions This insurance does not apply to any of the fol- lowing: 1."Bodily injury" sustained by an "insured" while "occupying" a vehicle located for use as a premises. 2."Bodily injury" sustained by you or any "family member" while "occupying" or struck by any vehicle (other than a covered "auto") owned by you or furnished or available for your regu- lar use. 3."Bodily injury" sustained by any "family mem- ber" while "occupying" or struck by any vehi- cle (other than a covered "auto") owned by or furnished or available for the regular use of any "family member". 4."Bodily injury" to your "employee" arising out of and in the course of employment by you. However, we will cover "bodily injury" to your domestic "employees" if not entitled to work- ers' compensation benefits. For the purposes of this endorsement, a domestic "employee" is a person engaged in household or domes- tic work performed principally in connection with a residence premises. 5."Bodily injury" to an "insured" while working in a business of selling, servicing, repairing or parking "autos" unless that business is yours. 6."Bodily injury" arising directly or indirectly out of: a.War, including undeclared or civil war; b.Warlike action by a military force, includ- ing action in hindering or defending against an actual or expected attack, by any government, sovereign or other au- thority using military personnel or other agents; or c.Insurrection, rebellion, revolution, usurped power, or action taken by gov- ernmental authority in hindering or de- fending against any of these. 7."Bodily injury" to anyone using a vehicle with- out a reasonable belief that the person is enti- tled to do so. 8."Bodily injury" sustained by an "insured" while "occupying" any covered "auto" while used in any professional racing or demolition contest or stunting activity, or while practicing for such contest or activity. This insurance also does not apply to any "bodily injury" sustained by an "insured" while the "auto" is being pre- pared for such a contest or activity. D.Limit Of Insurance Regardless of the number of covered "autos", "in- sureds", premiums paid, claims made or vehicles involved in the "accident", the most we will pay for "bodily injury" for each "insured" injured in any one "accident" is the Limit Of Insurance for Auto Medical Payments Coverage shown in the Decla- rations. COMMERCIAL AUTO Page 2 of 2 © Insurance Services Office, Inc., 2012 CA 04 24 10 13 No one will be entitled to receive duplicate pay- ments for the same elements of "loss" under this coverage and any Liability Coverage form, Unin- sured Motorists Coverage endorsement or Under- insured Motorists Coverage endorsement at- tached to this Coverage Part. E.Changes In Conditions The Conditions are changed for Auto Medical Payments Coverage as follows: 1.The Transfer Of Rights Of Recovery Against Others To Us Condition does not apply. 2.The reference in Other Insurance in the Auto Dealers and Business Auto Coverage Forms and Other Insurance – Primary And Ex- cess Insurance Provisions in the Motor Carrier Coverage Form to "other collectible insurance" applies only to other collectible auto medical payments insurance. F.Additional Definitions As used in this endorsement: 1."Family member" means a person related to you by blood, adoption, marriage or regis- tered domestic partnership under California law, who is a resident of your household, in- cluding a ward or foster child. 2."Occupying" means in, upon, getting in, on, out or off. COMMERCIAL AUTO EMPLOYEE HIRED AUTOS CA 20 54 10 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Page 1 of 1 This endorsement modifies insurance provided under the following: AUTO DEALERS COVERAGE FORM BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modi- fied by the endorsement. A.Changes In Covered Autos Liability Coverage The following is added to the Who Is An Insured Provision: An "employee" of yours is an "insured" while op- erating an "auto" hired or rented under a contract or agreement in an "employee's" name, with your permission, while performing duties related to the conduct of your business. B.Changes In General Conditions Paragraph 5.b. of the Other Insurance Condition in the Business Auto and Auto Dealers Coverage Forms and Paragraph 5.f. of the Other Insur- ance – Primary And Excess Insurance Provi- sions Condition in the Motor Carrier Coverage Form are replaced by the following: For Hired Auto Physical Damage Coverage, the following are deemed to be covered "autos" you own: 1.Any covered "auto" you lease, hire, rent or borrow; and 2.Any covered "auto" hired or rented by your "employee" under a contract in an "em- ployee's" name, with your permission, while performing duties related to the conduct of your business. However, any "auto" that is leased, hired, rented or borrowed with a driver is not a covered "auto". © Insurance Services Office, Inc., 2011 $ POLICY NUMBER: COMMERCIAL AUTO ISSUE DATE: CALIFORNIA UNINSURED MOTORISTS COVERAGE – BODILY INJURY AUTO DEALERS COVERAGE FORM BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM SCHEDULE Each "Accident"Limit Of Insurance: Information required to complete this Schedule, if not shown above, will be shown in the Declarations. CA 21 54 11 16 © Insurance Services Office, Inc., 2016 Page 1 of 4 For a covered "auto" licensed or principally garaged in, or "auto dealer operations" conducted in, California, this endorsement modifies insurance provided under the following: With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by the endorsement. A.Coverage 1.We will pay all sums the "insured" is legally entitled to recover as compensatory damages from the owner or driver of an "uninsured motor vehicle". The damages must result from "bodily injury" sustained by the "insured" caused by an "accident". The owner's or driver's liability for these damages must result from the ownership, maintenance or use of the "uninsured motor vehicle". 2.We will pay only after the limits of liability under any liability bonds or policies have been exhausted by payment of judgments or settlements. 3.Any judgment for damages arising out of a "suit" brought without our written consent is not binding on us. B.Who Is An Insured If the Named Insured is designated in the Declarations as: 1.An individual, then the following are "insureds": a.The Named Insured and any "family members". b.Anyone else "occupying" a covered "auto" or a temporary substitute for a covered "auto". The covered "auto" must be out of service because of its breakdown, repair, servicing, "loss" or destruction. c.Anyone for damages he or she is entitled to recover because of "bodily injury" sustained by another "insured". 2.A partnership, limited liability company, corporation or any other form of organization, then the following are "insureds": a.Anyone "occupying" a covered "auto" or a temporary substitute for a covered "auto". The covered "auto" must be out of service because of its breakdown, repair, servicing, "loss" or destruction. b.Anyone for damages he or she is entitled to recover because of "bodily injury" sustained by another "insured". C.Exclusions This insurance does not apply to any of the following: 1.Punitive or exemplary damages. 2.Any claim settled without our consent. However, this exclusion does not apply to a settlement made with the insurer of a vehicle described in Paragraph b. of the definition of "uninsured motor vehicle". 3.The direct or indirect benefit of any insurer or self-insurer under any workers' compensation, disability benefits or similar law or to the direct benefit of the United States, a state or its political subdivisions. 4."Bodily injury" sustained by: a.An individual Named Insured while "occupying" or when struck by any vehicle owned by that Named Insured that is not a covered "auto" for Uninsured Motorists Coverage under this Coverage Form; b.Any "family member" while "occupying" or when struck by any vehicle owned by that "family member" that is not a covered "auto" for Uninsured Motorists Coverage under this Coverage Form; or BA-2X945887-24-42-G 08-06-24 SEE CAT030 COMMERCIAL AUTO Page 2 of 4 © Insurance Services Office, Inc., 2016 CA 21 54 11 16 c.Any "family member" while "occupying" or when struck by any vehicle owned by the Named Insured that is insured for Uninsured Motorists Coverage on a primary basis under any other Coverage Form or policy. However, Exclusion 4. shall not apply to "bodily injury" sustained by an individual Named Insured or "family member" when struck by a vehicle owned by that "insured" and operated or caused to be operated by a person without that "insured's" consent in connection with criminal activity that has been documented in a police report and to which that "insured" is not a party to. 5."Bodily injury" sustained by an individual Named Insured or any "family member" while "occupying" any vehicle leased by that Named Insured or any "family member" under a written contract for a period of six months or more that is not a covered "auto". 6.Anyone using a vehicle without a reasonable belief that the person is entitled to do so. 7."Bodily injury" sustained by an "insured" while "occupying" any "auto" that is rented or leased to that "insured" for use as a public or livery conveyance. However, this exclusion does not apply if the "insured" is in the business of providing public or livery conveyance. As used in this exclusion, public or livery conveyance includes, but is not limited to, any period of time an "auto" is being used by an "insured" who is logged into a "transportation network platform" as a driver, whether or not a passenger is "occupying" the "auto". 8."Bodily injury" arising directly or indirectly out of: a.War, including undeclared or civil war; b.Warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or c.Insurrection, rebellion, revolution, usurped power, or action taken by governmental authority in hindering or defending against any of these. D.Limit Of Insurance 1.Regardless of the number of covered "autos", "insureds", premiums paid, claims made or vehicles involved in the "accident", the most we will pay for all damages resulting from any one "accident" is the Limit Of Insurance for Uninsured Motorists Coverage shown in the Schedule or Declarations. 2.For a vehicle described in Paragraph b. of the definition of "uninsured motor vehicle", our Limit of Insurance shall be reduced by all sums paid because of "bodily injury" by or for anyone who is legally responsible, including all sums paid or payable under this policy's Covered Autos Liability Coverage. 3.No one will be entitled to receive duplicate payments for the same elements of "loss" under this coverage and any Liability Coverage form or Medical Payments Coverage endorsement attached to this Coverage Part. We will not make a duplicate payment under this coverage for any element of "loss" for which payment has been made by or for anyone who is legally responsible. We will not pay for any element of "loss" if a person is entitled to receive payment for the same element of "loss" under any workers' compensation, disability benefits or similar law. E.Changes In Conditions The Conditions are changed for California Uninsured Motorists Coverage – Bodily Injury as follows: 1.Duties In The Event Of Accident, Claim, Suit Or Loss in the Business Auto and Motor Carrier Coverage Forms and Duties In The Event Of Accident, Claim, Offense, Suit, Loss Or Acts, Errors Or Omissions in the Auto Dealers Coverage Form are changed by adding the following: a.Promptly notify the police if a hit-and-run driver is involved; and b.Send us copies of the legal papers if a "suit" is brought. In addition, a person seeking coverage under Paragraph b. of the definition of "uninsured motor vehicle" must: (1)Provide us with a copy of the complaint by personal service or certified mail if the "insured" brings an action against the owner or operator of such "uninsured motor vehicle"; (2)Within a reasonable time, make all pleadings and depositions available for copying by us or furnish us copies at our expense; and (3)Provide us with proof that the limits of insurance under any applicable liability bonds or policies have been exhausted by payment of judgments or settlements. CA 21 54 11 16 © Insurance Services Office, Inc., 2016 Page 3 of 4 COMMERCIAL AUTO 2.Legal Action Against Us is replaced by the following: Legal Action Against Us No legal action may be brought against us under this Coverage Form until there has been full compliance with all the terms of this Coverage Form and with respect to Paragraphs a., c. and d. of the definition of "uninsured motor vehicle" unless within two years from the date of the "accident": a.Agreement as to the amount due under this insurance has been concluded; b.The "insured" has formally instituted arbitration proceedings against us. In the event that the "insured" decides to arbitrate, the "insured" must formally begin arbitration proceedings by notifying us in writing, sent by certified mail, return receipt requested; or c."Suit" for "bodily injury" has been filed against the uninsured motorist in a court of competent jurisdiction. Written notice of the "suit" must be given to us within a reasonable time after the "insured" knew, or should have known, that the other motorist is uninsured. In no event will such notice be required before two years from the date of the accident. Failure of the "insured" or his or her representative to give us such notice of the "suit" will relieve us of our obligations under this Coverage Form only if the failure to give notice prejudices our rights. 3.Transfer Of Rights Of Recovery Against Others To Us is replaced by the following: Transfer Of Rights Of Recovery Against Others To Us a.With respect to Paragraphs a., c. and d. of the definition of "uninsured motor vehicle", if we make any payment, we are entitled to recover what we paid from other parties. Any person to or for whom we make payment must transfer to us his or her rights of recovery against any other party. This person must do everything necessary to secure these rights and must do nothing that would jeopardize them. b.With respect to Paragraph b. of the definition of "uninsured motor vehicle", if we make any payment and the "insured" recovers from another party, the "insured" shall hold the proceeds in trust for us and pay us back the amount we have paid. 4.Other Insurance in the Auto Dealers and Business Auto Coverage Forms and Other Insurance – Primary And Excess Insurance Provisions in the Motor Carrier Coverage Form are replaced by the following: If there is other applicable insurance available under one or more policies or provisions of coverage: a.The maximum recovery under all Coverage Forms or policies combined may equal but not exceed the highest applicable limit for any one vehicle under any Coverage Form or policy providing coverage on either a primary or excess basis. b.Any insurance we provide with respect to a vehicle the Named Insured does not own shall be excess over any other collectible uninsured motorists insurance providing coverage on a primary basis. c.If the coverage under this Coverage Form is provided: (1)On a primary basis, we will pay only our share of the "loss" that must be paid under insurance providing coverage on a primary basis. Our share is the proportion that our limit of liability bears to the total of all applicable limits of liability for coverage on a primary basis. (2)On an excess basis, we will pay only our share of the "loss" that must be paid under insurance providing coverage on an excess basis. Our share is the proportion that our limit of liability bears to the total of all applicable limits of liability for coverage on an excess basis. 5.The following condition is added: Arbitration a.If we and an "insured" disagree whether the "insured" is legally entitled to recover damages from the owner or driver of an "uninsured motor vehicle" or do not agree as to the amount of damages that are recoverable by that "insured", the disagreement will be settled by arbitration. Such arbitration may be initiated by a written demand for arbitration made by either party. The arbitration shall be conducted by a single neutral arbitrator. However, disputes concerning coverage under this endorsement may not be arbitrated. Each party will bear the expenses of the arbitrator equally. b.Unless both parties agree otherwise, arbitration will take place in the county in which the "insured" lives. Local rules of law Page 4 of 4 © Insurance Services Office, Inc., 2016 CA 21 54 11 16 COMMERCIAL AUTO as to arbitration procedures and evidence will apply. The decision of the arbitrator will be binding. F.Additional Definitions The following are added to the Definitions section: 1."Family member" means the individual Named Insured's spouse, whether or not a resident of the individual Named Insured's household, and any other person related to such Named Insured by blood, adoption, marriage or registered domestic partnership under California law, who is a resident of such Named Insured's household, including a ward or foster child. 2."Occupying" means in, upon, getting in, on, out or off. 3."Transportation network platform" means an online-enabled application or digital network used to connect passengers with drivers using vehicles for the purpose of providing prearranged transportation services for compensation. 4."Uninsured motor vehicle" means a land motor vehicle or "trailer": a.For which no liability bond or policy at the time of an "accident" provides at least the amounts required by the applicable law where a covered "auto" is principally garaged; b.That is an underinsured motor vehicle. An underinsured motor vehicle is a land motor vehicle or "trailer" for which the sum of all liability bonds or policies at the time of an "accident" provides at least the amounts required by the applicable law where a covered "auto" is principally garaged but that sum is less than the Limit of Insurance for this coverage; c.For which an insuring or bonding company denies coverage or refuses to admit coverage except conditionally or with reservation or becomes insolvent; d.That is a hit-and-run vehicle and neither the driver nor owner can be identified. The vehicle must make physical contact with an "insured", a covered "auto" or a vehicle an "insured" is "occupying"; or e.That is owned by an individual Named Insured or "family member" and operated or caused to be operated by a person without the owner's consent in connection with criminal activity that has been documented in a police report. However, "uninsured motor vehicle" does not include any vehicle: a.Owned or operated by a self-insurer under any applicable motor vehicle law except a self-insurer who is or becomes insolvent and cannot provide the amounts required by that motor vehicle law; b.Owned by the United States of America, Canada, a state or political subdivision of any of those governments or an agency of any of the foregoing; or c.Designed or modified for use primarily off public roads while not on public roads. COMMERCIAL AUTO POLICY NUMBER:ISSUE DATE: This endorsement modifies insurance provided under the following: AUTO DEALERS COVERAGE FORM BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM SCHEDULE Maximum Payment Designation Or Description Any One Any One Coverage Period PremiumThis Insurance Applies Day Days $$$Comprehensive Collision $$$ Specified $$$ Total Premium $ CA 99 23 10 13 © Insurance Services Office, Inc., 2011 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. RENTAL REIMBURSEMENT COVERAGE Information required to complete this Schedule, if not shown above, will be shown in the Declarations. Of Covered "Autos" To Which Each Covered "Auto" No. Of Causes Of Loss Page of A.This endorsement provides only those coverages where a premium is shown in the Schedule. It ap- plies only to a covered "auto" described or desig- nated in the Schedule. B.We will pay for rental reimbursement expenses incurred by you for the rental of an "auto" be- cause of "loss" to a covered "auto". Payment ap- plies in addition to the otherwise applicable amount of each coverage you have on a covered "auto". No deductibles apply to this coverage. C.We will pay only for those expenses incurred dur- ing the policy period beginning 24 hours after the "loss" and ending, regardless of the policy's expi- ration, with the lesser of the following number of days: 1.The number of days reasonably required to repair or replace the covered "auto". If "loss" is caused by theft, this number of days is added to the number of days it takes to locate the covered "auto" and return it to you. 2.The number of days shown in the Schedule. D.Our payment is limited to the lesser of the follow- ing amounts: 1.Necessary and actual expenses incurred. 2.The maximum payment stated in the Sched- ule applicable to "any one day" or "any one period". E.This coverage does not apply while there are spare or reserve "autos" available to you for your operations. F.If "loss" results from the total theft of a covered "auto" of the private passenger type, we will pay under this coverage only that amount of your rental reimbursement expenses which is not al- ready provided for under the Physical Damage Coverage Extension. With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modi- fied by the endorsement. BA-2X945887-24-42-G 08-06-24 SEE SCHEDULE 1 2 COMMERCIAL AUTO POLICY NUMBER:CA 99 23 10 13 SCHEDULE Premium THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. RENTAL REIMBURSEMENT COVERAGE Designation Or Description This Insurance Applies Of Covered "Autos" To Which Coverage Maximum Payment Any One Any One PeriodDayDays Each Covered "Auto" No. Of $$ BA-2X945887-24-42-G 75 30 2,250 $ 231COMPREHENSIVE $ 391COLLISION $ 232COMPREHENSIVE $ 392COLLISION $ 233COMPREHENSIVE $ 393COLLISION CA 99 23 10 13 © Insurance Services Office, Inc., 2011 Page of 2 2 COMMERCIAL AUTO THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CALIFORNIA AUTO ENDORSEMENT This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM CA F1 26 02 15 Page 1 of 1© 2015 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc. with its permission. PROVISIONS A.SUPPLEMENTARY PAYMENTS – INCREASED LIMITS The following replaces Paragraph A.2.a.(4) of SECTION II – COVERED AUTOS LIABILITY COVERAGE: (4)All reasonable expenses incurred by the "in- sured" at our request, including actual loss of earnings up to $600 a day because of time off from work. B.PHYSICAL DAMAGE – TRANSPORTATION EXPENSES – INCREASED LIMIT The following replaces the first sentence in Para- graph A.4.a., Transportation Expenses, of SECTION III – PHYSICAL DAMAGE COVER- AGE: We will pay up to $60 per day to a maximum of $1,800 for temporary transportation expense in- curred by you because of the total theft of a cov- ered "auto" of the private passenger type. C.HIRED AUTO PHYSICAL DAMAGE – LOSS OF USE – INCREASED LIMIT The following replaces the last sentence of Para- graph A.4.b., Loss Of Use Expenses, of SEC- TION III – PHYSICAL DAMAGE COVERAGE: However, the most we will pay for any expenses for loss of use is $50 per day, to a maximum of $1,000 for any one "accident". D.LOST ELECTRONIC KEY The following is added to Paragraph A.4., Cover- age Extensions, of SECTION III – PHYSICAL DAMAGE COVERAGE: Lost Electronic Key We will pay up to $250 for "loss" or damage to an electronic key for your covered "auto". No deductible applies to this coverage. E.SEATBELT REPLACEMENT The following is added to Paragraph B.3., Exclu- sions, of SECTION III – PHYSICAL DAMAGE COVERAGE: Exclusion 3.a. does not apply to "loss" to any seatbelt in a covered "auto" you own. We will pay up to $250 for replacement of the seatbelt in your covered "auto" due to wear and tear. No deductible applies to this coverage. F.PROPERTY OF OTHERS The following is added to Paragraph A.4., Cover- age Extensions, of SECTION III – PHYSICAL DAMAGE COVERAGE: Property of Others We will pay up to $250 for "loss" of property of others which is in or on your covered "auto" for which Physical Damage Coverage is provided. No deductible applies to this coverage. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SHORT TERM HIRED AUTO – ADDITIONAL INSURED AND LOSS PAYEE SCHEDULE Additional Insured (Lessor): Designation Or Description Of "Leased Autos": CA T4 52 02 16 Page 1 of 2© 2015 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc. with its permission. COMMERCIAL AUTO POLICY NUMBER:ISSUE DATE: This endorsement modifies insurance provided under the following: AUTO DEALERS COVERAGE FORM BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM A.Coverage 1.Any "leased auto" designated or described in the Schedule will be considered a covered "auto" you own and not a covered "auto" you hire or borrow for Covered Autos Liability Coverage. 2.For a "leased auto" designated or described in the Schedule, the Who Is An Insured provision under Covered Autos Liability Coverage is changed to include as an "insured" the lessor of such "leased auto". However, the lessor is an "insured" only for "bodily injury" or "property damage" resulting from the acts or omissions by: a.You; b.Any of your "employees" or agents; or c.Any person, except the lessor or any "employee" or agent of the lessor, operating a "leased auto" with the permission of any of the above. 3.Coverage for any "leased auto" described in the Schedule applies until the end of the policy period shown in the Declarations or when the lessor or his or her agent takes possession of the "leased auto", whichever occurs first. B.Loss Payable Clause 1.We will pay, as interest may appear, you and the lessor, if your policy includes Hired Auto Physical Damage Coverage, for "loss" to a "leased auto". 2.The insurance covers the interest of the lessor unless the "loss" results from fraudulent acts or omissions on your part. 3.If we make any payment to the lessor, we will obtain his or her rights against any other party. Any lessor of a "leased auto" under a leasing or rental agreement of less than 6 months. Any "leased auto" under a leasing or rental agreement of less than 6 months. BA-2X945887-24-42-G 08-06-24 Page 2 of 2 © 2015 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc. with its permission. CA T4 52 02 16 C.The lessor is not liable for payment of your premiums. D.Additional Definition As used in this endorsement: "Leased auto" means an "auto" leased or rented to you, including any substitute, replacement or extra "auto" needed to meet seasonal or other needs, under a leasing or rental agreement that requires you to provide direct primary insurance for the lessor. COMMERCIAL AUTO AMENDMENT OF EMPLOYEE DEFINITION THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CA T4 59 02 15 Page 1 of 1 Includes copyrighted material of Insurance Services Office, Inc. with its permission. This endorsement modifies insurance provided under the following: AUTO DEALERS COVERAGE FORM BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM The following replaces the definition of "employee" in the DEFINITIONS Section: "Employee" includes a "leased worker" and a "temporary worker". © 2015 The Travelers Indemnity Company. All rights reserved. COMMERCIAL AUTO THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BLANKET ADDITIONAL INSURED – PRIMARY AND NON-CONTRIBUTORY WITH OTHER INSURANCE – CONTRACTORS This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM CA T4 99 02 16 © 2016 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc. with its permission. Page 1 of 1 PROVISIONS 1.The following is added to Paragraph c. in A.1., Who Is An Insured, of SECTION Il – COVERED AUTOS LIABILITY COVERAGE: This includes any person or organization who you are required under a written contract or agreement, that is signed by you before the "bodily injury" or "property damage" occurs and that is in effect during the policy period, to name as an additional insured for Covered Autos Liability Coverage, but only for damages to which this insurance applies and only to the extent of that person's or organization's liability for the conduct of another "insured". 2.The following is added to Paragraph B.5., Other Insurance of SECTION IV – BUSINESS AUTO CONDITIONS: Regardless of the provisions of paragraph a. and paragraph d. of this part 5. Other Insurance, this insurance is primary to and non-contributory with applicable other insurance under which an additional insured person or organization is a named insured when a written contract or agreement with you, that is signed by you before the "bodily injury" or "property damage" occurs and that is in effect during the policy period, requires this insurance to be primary and non- contributory. COMMERCIAL AUTO POLICY NUMBER: ISSUE DATE: THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ROADSIDE ASSISTANCE COVERAGE This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM ROADSIDE ASSISTANCE SCHEDULE Description of Auto Premium 08-06-24BA-2X945887-24-42-G 2003 FORD F250 1FDNF20L43EC58373 $25 2014 FORD F150 1FTMF1CM3EKD46737 $25 2014 FORD F150 1FTMF1CM3EKD26892 $25 PROVISIONS 1.The following is added to Paragraph A., Coverage, of SECTION III – PHYSICAL DAMAGE COVERAGE: Roadside Assistance Coverage a.We will pay for any roadside assistance service specified below provided by our "authorized service provider" when a covered "auto" that is an "eligible auto" is disabled and located within 100 feet of a paved public road, on a driveway, on a private road or in a parking facility, if the "eligible auto" is accessible as determined by our "authorized service provider": (1)Towing or flatbed transport; (2)Winching; (3)Jump starting a dead battery; (4)Changing a flat tire: (5)Key lock-out service; or (6)Delivery of fuel, oil, water or other vehicle fluids. b.We will pay for towing or flatbed transport for an "eligible auto": (1) Up to 100 miles; or (2)To the nearest qualified repair facility selected by our "authorized service provider" when there is no repair facility available within 100 miles. We will not pay for the cost of supplies, replacement parts, fuel, other fluids or any labor performed at the service or repair facility. c.In the event that you decide not to use our "authorized service provider", or our "authorized service provider" is unable to provide the roadside assistance service, we will reimburse you for the cost of any roadside assistance service listed in Paragraph a. that you receive from another provider, but only for reasonable charges as determined by us. Receipt for any of these services must be provided to us for consideration of payment. d.No deductible applies to this Roadside Assistance Coverage. 2.The following is added to Paragraph A.2., Towing, of SECTION III – PHYSICAL DAMAGE COVERAGE: This Towing Coverage does not apply to any covered "auto" that is an "eligible auto" for Roadside Assistance Coverage under this policy. CA T6 25 07 18 © 2018 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc. with its permission. Page of1 2 COMMERCIAL AUTO © 2018 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc. with its permission. Page of CA T6 25 07 18 3.The following is added to Paragraph B.7., Policy Period, Coverage Territory, of SECTION IV – BUSINESS AUTO CONDITIONS: However, for any Roadside Assistance Coverage under this policy, the coverage territory is only the United States of America and Canada. 4.The following is added to the DEFINITIONS Section: "Authorized service provider" means a service provider contracted by us, at no charge to you, to provide or procure roadside assistance services on our behalf. "Eligible auto" means any "auto" you own that is shown in the Roadside Assistance Schedule, and for which a premium is shown, that is a covered "auto" for Comprehensive Coverage or Specified Causes of Loss under this policy. 2 2 COMMERCIAL AUTO This endorsement modifies insurance provided under the following: AUTO DEALERS COVERAGE FORM BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM CA T3 40 02 15 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BLANKET WAIVER OF SUBROGATION Page 1 of 1© 2015 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office, Inc. with its permission. The following replaces Paragraph A.5., Transfer of Rights Of Recovery Against Others To Us, of the CONDITIONS Section: 5.Transfer Of Rights Of Recovery Against Oth- ers To Us We waive any right of recovery we may have against any person or organization to the extent required of you by a written contract executed prior to any "accident" or "loss", provided that the "accident" or "loss" arises out of the operations contemplated by such contract. The waiver ap- plies only to the person or organization desig- nated in such contract. COMMERCIAL AUTO This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM CA T4 37 02 16 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BLANKET ADDITIONAL INSURED Includes copyrighted material of Insurance Services Office, Inc. with its permission. Page 1 of 1 The following is added to Paragraph c. in A.1., Who Is An Insured, of SECTION II – COVERED AUTOS LIABILITY COVERAGE in the BUSINESS AUTO COVERAGE FORM and Paragraph e. in A.1., Who Is An Insured, of SECTION II – COVERED AUTOS LIABILITY COVERAGE in the MOTOR CARRIER COVERAGE FORM, whichever Coverage Form is part of your policy: This includes any person or organization who you are required under a written contract or agreement between you and that person or organization, that is signed by you before the "bodily injury" or "property damage" occurs and that is in effect during the policy period, to name as an additional insured for Covered Autos Liability Coverage, but only for damages to which this insurance applies and only to the extent of that person's or organization's liability for the conduct of another "insured". © 2016 The Travelers Indemnity Company. All rights reserved . INTERLINE ENDORSEMENTS INTERLINE ENDORSEMENTS THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF COMMON POLICY CONDITIONS – PROHIBITED COVERAGE – UNLICENSED INSURANCE AND TRADE OR ECONOMIC SANCTIONS This endorsement modifies insurance provided under the following: ALL COVERAGES INCLUDED IN THIS POLICY IL T4 12 03 15 © 2014 The Travelers Indemnity Company. All rights reserved.Page 1 of 1 The following is added to the Common Policy Condi- tions: Prohibited Coverage – Unlicensed Insurance 1.With respect to loss sustained by any insured, or loss to any property, located in a country or juris- diction in which we are not licensed to provide this insurance, this insurance does not apply to the extent that insuring such loss would violate the laws or regulations of such country or jurisdic- tion. 2.We do not assume responsibility for: a.The payment of any fine, fee, penalty or other charge that may be imposed on any person or organization in any country or jurisdiction because we are not licensed to provide insur- ance in such country or jurisdiction; or b. The furnishing of certificates or other evi- dence of insurance in any country or jurisdic- tion in which we are not licensed to provide insurance. Prohibited Coverage – Trade Or Economic Sanc- tions We will provide coverage for any loss, or otherwise will provide any benefit, only to the extent that provid- ing such coverage or benefit does not expose us or any of our affiliated or parent companies to: 1.Any trade or economic sanction under any law or regulation of the United States of America; or 2.Any other applicable trade or economic sanction, prohibition or restriction. ENDORSEMENT THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NUCLEAR ENERGY LIABILITY EXCLUSION (Broad Form) This endorsement modifies insurance provided under the following: COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY IL 00 21 09 08 © ISO Properties, Inc., 2007 Page 1 of 2 1.The insurance does not apply: A. Under any Liability Coverage, to "bodily in- jury" or "property damage": (1) With respect to which an "insured" under the policy is also an insured under a nu- clear energy liability policy issued by Nu- clear Energy Liability Insurance Associa- tion, Mutual Atomic Energy Liability Un- derwriters, Nuclear Insurance Association of Canada or any of their successors, or would be an insured under any such pol- icy but for its termination upon exhaustion of its limit of liability; or (2) Resulting from the "hazardous properties" of "nuclear material" and with respect to which (a) any person or organization is required to maintain financial protection pursuant to the Atomic Energy Act of 1954, or any law amendatory thereof, or (b) the "insured" is, or had this policy not been issued would be, entitled to indem- nity from the United States of America, or any agency thereof, under any agreement entered into by the United States of America, or any agency thereof, with any person or organization. B. Under any Medical Payments coverage, to expenses incurred with respect to "bodily in- jury" resulting from the "hazardous properties" of "nuclear material" and arising out of the operation of a "nuclear facility" by any person or organization. C. Under any Liability Coverage, to "bodily in- jury" or "property damage" resulting from "hazardous properties" of "nuclear material", if: (1) The "nuclear material" (a) is at any "nu- clear facility" owned by, or operated by or on behalf of, an "insured" or (b) has been discharged or dispersed therefrom; (2) The "nuclear material" is contained in "spent fuel" or "waste" at any time pos- sessed, handled, used, processed, stored, transported or disposed of, by or on behalf of an "insured"; or (3) The "bodily injury" or "property damage" arises out of the furnishing by an "in- sured" of services, materials, parts or equipment in connection with the plan- ning, construction, maintenance, opera- tion or use of any "nuclear facility", but if such facility is located within the United States of America, its territories or pos- sessions or Canada, this exclusion (3) applies only to "property damage" to such "nuclear facility" and any property thereat. 2. As used in this endorsement: "Hazardous properties" includes radioactive, toxic or explosive properties. "Nuclear material" means "source material", "spe- cial nuclear material" or "by-product material". "Source material", "special nuclear material", and "by-product material" have the meanings given them in the Atomic Energy Act of 1954 or in any law amendatory thereof. "Spent fuel" means any fuel element or fuel com- ponent, solid or liquid, which has been used or exposed to radiation in a "nuclear reactor". Page 2 of 2 © ISO Properties, Inc., 2007 IL 00 21 09 08 "Waste" means any waste material (a) containing "by-product material" other than the tailings or wastes produced by the extraction or concentra- tion of uranium or thorium from any ore proc- essed primarily for its "source material" content, and (b) resulting from the operation by any per- son or organization of any "nuclear facility" in- cluded under the first two paragraphs of the defi- nition of "nuclear facility". "Nuclear facility" means: (a)Any "nuclear reactor"; (b) Any equipment or device designed or used for (1) separating the isotopes of uranium or plutonium, (2) processing or utilizing "spent fuel", or (3) handling, processing or packaging "waste"; (c) Any equipment or device used for the processing, fabricating or alloying of "special nuclear material" if at any time the total amount of such material in the custody of the "insured" at the premises where such equipment or device is lo- cated consists of or contains more than 25 grams of plutonium or uranium 233 or any combination thereof, or more than 250 grams of uranium 235; (d) Any structure, basin, excavation, prem- ises or place prepared or used for the storage or disposal of "waste"; and includes the site on which any of the forego- ing is located, all operations conducted on such site and all premises used for such operations. "Nuclear reactor" means any apparatus designed or used to sustain nuclear fission in a self- supporting chain reaction or to contain a critical mass of fissionable material. "Property damage" includes all forms of radioac- tive contamination of property. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CALIFORNIA CHANGES – CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following: CAPITAL ASSETS PROGRAM (OUTPUT POLICY) COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT-RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART A.Paragraphs 2. and 3. of the Cancellation Common Policy Condition are replaced by the following: 2.All Policies In Effect For 60 Days Or Less If this policy has been in effect for 60 days or less, and is not a renewal of a policy we have previously issued, we may cancel this policy by mailing or delivering to the first Named Insured, at the mailing address shown in the policy, and to the producer of record, advance written notice of cancellation, stating the reason for cancellation, at least: a.10 days before the effective date of cancellation if we cancel for: (1)Nonpayment of premium; or (2)Discovery of fraud by: (a)Any insured or his or her representative in obtaining this insurance; or (b)You or your representative in pursuing a claim under this policy. b.30 days before the effective date of cancellation if we cancel for any other reason. 3.All Policies In Effect For More Than 60 Days a.If this policy has been in effect for more than 60 days, or is a renewal of a policy we issued, we may cancel this policy only upon the occurrence, after the effective date of the policy, of one or more of the following: (1)Nonpayment of premium, including payment due on a prior policy we issued and due during the current policy term covering the same risks. (2)Discovery of fraud or material misrepresentation by: (a)Any insured or his or her representative in obtaining this insurance; or (b)You or your representative in pursuing a claim under this policy. (3)A judgment by a court or an administrative tribunal that you have violated a California or Federal law, having as one of its necessary elements an act which materially increases any of the risks insured against. (4)Discovery of willful or grossly negligent acts or omissions, or of any violations of state laws or regulations establishing safety standards, by you or your representative, which materially increase any of the risks insured against. IL 02 70 07 20 © Insurance Services Office, Inc., 2020 Page 1 of 4 Page 2 of 4 © Insurance Services Office, Inc., 2020 IL 02 70 07 20 (5)Failure by you or your representative to implement reasonable loss control requirements, agreed to by you as a condition of policy issuance, or which were conditions precedent to our use of a particular rate or rating plan, if that failure materially increases any of the risks insured against. (6)A determination by the Commissioner of Insurance that the: (a)Loss of, or changes in, our reinsurance covering all or part of the risk would threaten our financial integrity or solvency; or (b)Continuation of the policy coverage would: (i)Place us in violation of California law or the laws of the state where we are domiciled; or (ii)Threaten our solvency. (7)A change by you or your representative in the activities or property of the commercial or industrial enterprise, which results in a materially added, increased or changed risk, unless the added, increased or changed risk is included in the policy. b.We will mail or deliver advance written notice of cancellation, stating the reason for cancellation, to the first Named Insured, at the mailing address shown in the policy, and to the producer of record, at least: (1)10 days before the effective date of cancellation if we cancel for nonpayment of premium or discovery of fraud; or (2)30 days before the effective date of cancellation if we cancel for any other reason listed in Paragraph 3.a. B.The following provision is added to the Cancellation Common Policy Condition: 7.Residential Property This provision applies to coverage on real property which is used predominantly for residential purposes and consisting of not more than four dwelling units, and to coverage on tenants' household personal property in a residential unit, if such coverage is written under one of the following: Commercial Property Coverage Part Farm Coverage Part – Farm Property – Farm Dwellings, Appurtenant Structures And Household Personal Property Coverage Form a.If such coverage has been in effect for 60 days or less, and is not a renewal of coverage we previously issued, we may cancel this coverage for any reason, except as provided in b. and c. below. b.We may not cancel this policy solely because the first Named Insured has: (1)Accepted an offer of earthquake coverage; or (2)Cancelled or did not renew a policy issued by the California Earthquake Authority (CEA) that included an earthquake policy premium surcharge. However, we shall cancel this policy if the first Named Insured has accepted a new or renewal policy issued by the CEA that includes an earthquake policy premium surcharge but fails to pay the earthquake policy premium surcharge authorized by the CEA. c.We may not cancel such coverage solely because corrosive soil conditions exist on the premises. This restriction (c.) applies only if coverage is subject to one of the following, which exclude loss or damage caused by or resulting from corrosive soil conditions: (1)Commercial Property Coverage Part – Causes Of Loss – Special Form; or (2)Farm Coverage Part – Causes Of Loss Form – Farm Property, Paragraph D. Covered Causes Of Loss – Special. d.If a state of emergency under California Law is declared and the residential property is located in any ZIP Code within or adjacent to the fire perimeter, as determined by California Law, we may not cancel this policy for one year, beginning from the date the state of emergency is declared, solely because the dwelling or other structure is located in an area in which a wildfire has occurred. However, we may cancel: (1)When you have not paid the premium, at any time by letting you know at least 10 days before the date cancellation takes effect; (2)If willful or grossly negligent acts or omissions by the Named Insured, or his or her representatives, are discovered that materially increase any of the risks insured against; or (3)If there are physical changes in the property insured against, beyond the catastrophe-damaged condition of the structures and surface landscape, which result in the property becoming uninsurable. C.The following is added and supersedes any provisions to the contrary: Nonrenewal 1.Subject to the provisions of Paragraphs C.2. and C.3. below, if we elect not to renew this policy, we will mail or deliver written notice, stating the reason for nonrenewal, to the first Named Insured shown in the Declarations, and to the producer of record, at least 60 days, but not more than 120 days, before the expiration or anniversary date. We will mail or deliver our notice to the first Named Insured, and to the producer of record, at the mailing address shown in the policy. 2.Residential Property This provision applies to coverage on real property used predominantly for residential purposes and consisting of not more than four dwelling units, and to coverage on tenants' household property contained in a residential unit, if such coverage is written under one of the following: Commercial Property Coverage Part Farm Coverage Part – Farm Property – Farm Dwellings, Appurtenant Structures And Household Personal Property Coverage Form a.If this policy provides coverage as described in the preceding paragraph, and we elect not to renew this policy, we will mail or deliver written notice, stating the reason for nonrenewal, to the first Named Insured shown in the Declarations, and to the producer record at the mailing address shown in the policy, at least 75 days, but not more than 120 days, before the expiration or anniversary date. If we fail to give the first Named Insured shown in the Declarations notice of nonrenewal at least 75 days prior to the policy expiration, as required in the paragraph above, this policy, with no change in its terms and conditions, shall remain in effect for 75 days from the date that the notice of nonrenewal is delivered or mailed to the Named Insured. A notice to this effect shall be provided by us to the first Named Insured with the notice of nonrenewal. b.We may elect not to renew such coverage for any reason, except as provided in Paragraphs c., d. and e. below. c.We will not refuse to renew such coverage solely because the first Named Insured has accepted an offer of earthquake coverage. However, the following applies only to insurers who are associate participating insurers as established by Cal. Ins. Code Section 10089.16. We may elect not to renew such coverage after the first Named Insured has accepted an offer of earthquake coverage, if one or more of the following reasons applies: (1)The nonrenewal is based on sound underwriting principles that relate to the coverages provided by this policy and that are consistent with the approved rating plan and related documents filed with the Department of Insurance as required by existing law; (2)The Commissioner of Insurance finds that the exposure to potential losses will threaten our solvency or place us in a hazardous condition. A hazardous condition includes, but is not limited to, a condition in which we make claims payments for losses resulting from an earthquake that occurred within the preceding two years and that required a reduction in policyholder surplus of at least 25% for payment of those claims; or IL 02 70 07 20 © Insurance Services Office, Inc., 2020 Page 3 of 4 Page 4 of 4 © Insurance Services Office, Inc., 2020 IL 02 70 07 20 (3)We have: (a)Lost or experienced a substantial reduction in the availability or scope of reinsurance coverage; or (b)Experienced a substantial increase in the premium charged for reinsurance coverage of our residential property insurance policies; and the Commissioner has approved a plan for the nonrenewals that is fair and equitable, and that is responsive to the changes in our reinsurance position. d.We will not refuse to renew such coverage solely because the first Named Insured has cancelled or did not renew a policy, issued by the California Earthquake Authority, that included an earthquake policy premium surcharge. e.We will not refuse to renew such coverage solely because corrosive soil conditions exist on the premises. This restriction (e.) applies only if coverage is subject to one of the following, which exclude loss or damage caused by or resulting from corrosive soil conditions: (1)Commercial Property Coverage Part – Causes Of Loss – Special Form; or (2)Farm Coverage Part – Causes Of Loss Form – Farm Property, Paragraph D. Covered Causes Of Loss – Special. f.If a state of emergency under California Law is declared and the residential property is located in any ZIP Code within or adjacent to the fire perimeter, as determined by California Law, we may not nonrenew this policy for one year, beginning from the date the state of emergency is declared, solely because the dwelling or other structure is located in an area in which a wildfire has occurred. However, we may nonrenew: (1)If willful or grossly negligent acts or omissions by the Named Insured, or his or her representatives, are discovered that materially increase any of the risks insured against; (2)If losses unrelated to the postdisaster loss condition of the property have occurred that would collectively render the risk ineligible for renewal; or (3)If there are physical changes in the property insured against, beyond the catastrophe-damaged condition of the structures and surface landscape, which result in the property becoming uninsurable. 3.We are not required to send notice of nonrenewal in the following situations: a.If the transfer or renewal of a policy, without any changes in terms, conditions or rates, is between us and a member of our insurance group. b.If the policy has been extended for 90 days or less, provided that notice has been given in accordance with Paragraph C.1. c.If you have obtained replacement coverage, or if the first Named Insured has agreed, in writing, within 60 days of the termination of the policy, to obtain that coverage. d.If the policy is for a period of no more than 60 days and you are notified at the time of issuance that it will not be renewed. e.If the first Named Insured requests a change in the terms or conditions or risks covered by the policy within 60 days of the end of the policy period. f.If we have made a written offer to the first Named Insured, in accordance with the timeframes shown in Paragraph C.1., to renew the policy under changed terms or conditions or at an increased premium rate, when the increase exceeds 25%. POLICYHOLDER NOTICES POLICYHOLDER NOTICES IMPORTANT NOTICE – INDEPENDENT AGENT AND BROKER COMPENSATION NO COVERAGE IS PROVIDED BY THIS NOTICE. THIS NOTICE DOES NOT AMEND ANY PROVISION OF YOUR POLICY. YOU SHOULD REVIEW YOUR ENTIRE POLICY CAREFULLY FOR COMPLETE INFORMATION ON THE COVERAGES PROVIDED AND TO DETERMINE YOUR RIGHTS AND DUTIES UNDER YOUR POLICY. PLEASE CONTACT YOUR AGENT OR BROKER IF YOU HAVE ANY QUESTIONS ABOUT THIS NOTICE OR ITS CONTENTS. IF THERE IS ANY CONFLICT BETWEEN YOUR POLICY AND THIS NOTICE, THE PROVISIONS OF YOUR POLICY PREVAIL. For information about how Travelers compensates independent agents and brokers, please visit www.travelers.com, call our toll-free telephone number 1-866-904-8348, or request a written copy from Marketing at One Tower Square, 2GSA, Hartford, CT 06183. PN T4 54 01 08 Page 1 of 1 Roadside Assistance Call 1-800-238-6225 24 hours a day Named Insured Policy Number Roadside Assistance Call 1-800-238-6225 24 hours a day Named Insured Policy Number Roadside Assistance Call 1-800-238-6225 24 hours a day Named Insured Policy Number Roadside Assistance Call 1-800-238-6225 24 hours a day Named Insured Policy Number Roadside Assistance Call 1-800-238-6225 24 hours a day Named Insured Policy Number Roadside Assistance Call 1-800-238-6225 24 hours a day Named Insured Policy Number 4 POINT POWER INC 4 POINT POWER INC 4 POINT POWER INC 4 POINT POWER INC 4 POINT POWER INC 4 POINT POWER INC COMMERCIAL AUTO ROADSIDE ASSISTANCE COVERAGE CARDS Thank you for choosing Travelers. Roadside Assistance Coverage provides a variety of roadside services conveniently accessed through our authorized service provider. Below are your Roadside Assistance Cards to keep in each of your vehicles for which you have purchased Roadside Assistance Coverage. Roadside Assistance Coverage will apply to your Private Passenger Type vehicles, Light Trucks (gross vehicle weight of 10,000 lbs or less) and Service/Utility Trailers listed on the enclosed Roadside Assistance Coverage endorsement CA T6 25. PN CB 36 09 18 © 2018 The Travelers Indemnity Company. All rights reserved.Page 1 of 2 2X945887-BA 2X945887-BA 2X945887-BA 2X945887-BA 2X945887-BA 2X945887-BA Roadside Assistance Call 1-800-238-6225 24 hours a day Services include: • •Winching; •Jump start a dead battery; •Changing a flat tire; •Key lock-out service; •Delivery of fuel, oil, water or other vehicle fluids MYTRAVELERS.COM This card is not evidence of insurance coverage. Roadside is provided by an independent service contractor. Roadside Assistance Call 1-800-238-6225 24 hours a day Services include: • •Winching; •Jump start a dead battery; •Changing a flat tire; •Key lock-out service; •Delivery of fuel, oil, water or other vehicle fluids MYTRAVELERS.COM This card is not evidence of insurance coverage. Roadside is provided by an independent service contractor. Roadside Assistance Call 1-800-238-6225 24 hours a day Services include: • •Winching; •Jump start a dead battery; •Changing a flat tire; •Key lock-out service; •Delivery of fuel, oil, water or other vehicle fluids MYTRAVELERS.COM This card is not evidence of insurance coverage. Roadside is provided by an independent service contractor Roadside Assistance Call 1-800-238-6225 24 hours a day Services include: • •Winching; •Jump start a dead battery; •Changing a flat tire; •Key lock-out service; •Delivery of fuel, oil, water or other vehicle fluids MYTRAVELERS.COM This card is not evidence of insurance coverage. Roadside is provided by an independent service contractor. Roadside Assistance Call 1-800-238-6225 24 hours a day Services include: • •Winching; •Jump start a dead battery; •Changing a flat tire; •Key lock-out service; •Delivery of fuel, oil, water or other vehicle fluids MYTRAVELERS.COM This card is not evidence of insurance coverage. Roadside is provided by an independent service contractor. Roadside Assistance Call 1-800-238-6225 24 hours a day Services include: • •Winching; •Jump start a dead battery; •Changing a flat tire; •Key lock-out service; •Delivery of fuel, oil, water or other vehicle fluids MYTRAVELERS.COM This card is not evidence of insurance coverage. Roadside is provided by an independent service contractor. PN CB 36 09 18 © 2018 The Travelers Indemnity Company. All rights reserved.Page 2 of 2 Towing or flatbed transport up to 100 miles; Towing or flatbed transport up to 100 miles; Towing or flatbed transport up to 100 miles; Towing or flatbed transport up to 100 miles; Towing or flatbed transport up to 100 miles; Towing or flatbed transport up to 100 miles; PN CB 42 04 20 © 2020 The Travelers Indemnity Company. All rights reserved.Page 1 of 1 SIGNATURE OF BUSINESS PRINCIPAL DATE Name: Address: Date of Birth: Name: Address: IMPORTANT NOTICE REGARDING YOUR RENEWAL AND CONSUMER REPORTING OPT-IN FORM Please return this completed notice to your agent, broker or Travelers representative (if your policy is being serviced by us) and we will apply your consumer report to your next policy term. If you want to have your consumer report applied sooner, contact your agent, broker or Travelers representative. In connection with the commercial insurance for the above named business insured, Travelers would like to review my credit report and credit score, as an individual business principal of and representing the entity seeking this insurance. In addition, Travelers would like to review my credit report and credit score in connection with any future renewal of the business's policy. Travelers may obtain or use a FICO insurance score in connection with underwriting the submission for, or renewal of, commercial insurance. I hereby authorize Travelers to obtain a credit report about me in connection with underwriting the business's submission for, or renewal of, commercial insurance. Name, Home Address, and Date of Birth of Business Principal* * If Named Insured is an individual, list information for that individual. If not list the President/CEO or the Business Principal if he/she is managing the day to day operations of the business Name and Address of Business Insured Thank you for trusting us with insuring your business. We are committed to providing excellent service at a competitive price. As part of our underwriting process various information may be used to determine the price of insurance, including financial history and information about your business such as claim and insurance history. We would like to offer you the opportunity to have a FICO insurance score of a representative business principal used as an additional tool for pricing the insurance. This insurance score is only one factor we review in order to determine the price of insurance. It may enable us to lower the price of your insurance or conversely, it could result in an increase in your premium or have no impact at all on the price you pay for insurance. To opt-in, complete and sign below. USE OF CREDIT INFORMATION DISCLOSURE Payment history Bankruptcy, foreclosures and collection activity Length of credit history Amount of outstanding debt in relation to credit limits Types of credit in use (i.e. mortgages, installment loans) Number of new applications for credit The information used to develop the FICO insurance score comes from TransUnion Corporation. TransUnion Corporation - Consumer Relations P.O. Box 1000 2 Baldwin Place Chester, PA 19022 1-800-888-4213 Website: www.transunion.com/direct If you need to contact us about this notice, you can do so at: Travelers Insurance Score Resource Center SVC PO BOX 1515 Spokane, WA 99210 1-844-269-0336 If you have general questions about your policy or billing, please call. • • • • • • PN CB 45 04 20 © 2020 The Travelers Indemnity Company. All rights reserved Page 1 of 1 If the business principal who consented to use of their credit in connection with underwriting this insurance has questions concerning their credit information, they may contact the following consumer reporting agency: Credit information is any credit-related information derived from a credit report itself or provided in an application for Commercial Automobile insurance. Insurance score is a number or rating derived from a mathematical formula, computer application, model, or other process based on credit information and used to assist in predicting future insurance loss exposure. The types of factors that go into developing the insurance score are: This notice is to inform you that in connection with your Commercial Automobile insurance, Travelers will seek to obtain and use FICO credit information related to your business principal as a routine part of an insurance scoring process. your agent. DRIVER LISTING POLICY NUMBER: COMMERCIAL AUTO ISSUE DATE: NEW/ADDED DRIVERS LAST FIRST DATE OF BIRTH LICENSE NUMBER LICENSED STATE CA A1 05 02 15 Page of The subsequent page(s) of this form includes those drivers whom you have indicated will be using your automobiles insured through us. Please be sure this listing is complete and includes both full-time and occasional drivers. If this information needs modification or when drivers are added or deleted, please complete both sides of this form, as applicable, and send it to your agent in a secure manner, being mindful of the sensitive information it could contain. BA-2X945887-24-42-G 08-06-24 1 2 DRIVER LISTING POLICY NUMBER: COMMERCIAL AUTO ISSUE DATE: CURRENT DRIVERS LAST FIRST DELETE This list includes those drivers whom you have indicated will be using your automobiles insured through us. Please be sure this listing is complete and includes both full-time and occasional drivers. If this information needs modification or when drivers are added or deleted, please complete both sides of this form, as applicable, and send it to your agent in a secure manner, being mindful of the sensitive information it could contain. BA-2X945887-24-42-G 08-06-24 ALVAREZ DARRIN JAKUBS JOSHUA HERRERA LOUIS CA A1 05 02 15 Page of2 2 CA L I F O R N I A I N S U R A N C E I D E N T I F I C A T I O N C A R D Th e v e h i c l e d e s c r i b e d b e l o w i s c o v e r e d b y a c o m m e r c i a l l i a b i l i t y p o l i c y t h a t m e e t s t h e re q u i r e m e n t s o f C V C § 1 6 0 5 6 o r 1 6 5 0 0 . 5 . NA I C # : Co m p a n y : ON E T O W E R S Q U A R E , H A R T F O R D , C T 0 6 1 8 3 Po l i c y N u m b e r Ef f e c t i v e D a t e Ex p i r a t i o n D a t e Ye a r Ma k e / M o d e l Ve h i c l e I d e n t i f i c a t i o n N u m b e r In s u r e d CA I D C A R e v . 1 2 - 0 6 Se e I m p o r t a n t N o t i c e o n R e v e r s e S i d e 19 0 4 6 TR A V E L E R S C A S U A L T Y I N S U R A N C E C O M P A N Y O F A M E R I C A 2X 9 4 5 8 8 7 - B A 09 - 2 0 - 2 4 09 - 2 0 - 2 5 4 P O I N T P O W E R I N C 13 1 3 N M I L P I T A S B L V D ST E 1 5 9 MI L P I T A S C A 9 5 0 3 5 - 3 1 8 6 20 0 3 FO R D F 2 5 0 1F D N F 2 0 L 4 3 E C 5 8 3 7 3 CA L I F O R N I A I N S U R A N C E I D E N T I F I C A T I O N C A R D Th e v e h i c l e d e s c r i b e d b e l o w i s c o v e r e d b y a c o m m e r c i a l l i a b i l i t y p o l i c y t h a t m e e t s t h e re q u i r e m e n t s o f C V C § 1 6 0 5 6 o r 1 6 5 0 0 . 5 . NA I C # : Co m p a n y : ON E T O W E R S Q U A R E , H A R T F O R D , C T 0 6 1 8 3 Po l i c y N u m b e r Ef f e c t i v e D a t e Ex p i r a t i o n D a t e Ye a r Ma k e / M o d e l Ve h i c l e I d e n t i f i c a t i o n N u m b e r In s u r e d CA I D C A R e v . 1 2 - 0 6 Se e I m p o r t a n t N o t i c e o n R e v e r s e S i d e 19 0 4 6 TR A V E L E R S C A S U A L T Y I N S U R A N C E C O M P A N Y O F A M E R I C A 2X 9 4 5 8 8 7 - B A 09 - 2 0 - 2 4 09 - 2 0 - 2 5 4 P O I N T P O W E R I N C 13 1 3 N M I L P I T A S B L V D ST E 1 5 9 MI L P I T A S C A 9 5 0 3 5 - 3 1 8 6 20 1 4 FO R D F 1 5 0 1F T M F 1 C M 3 E K D 4 6 7 3 7 CA L I F O R N I A I N S U R A N C E I D E N T I F I C A T I O N C A R D Th e v e h i c l e d e s c r i b e d b e l o w i s c o v e r e d b y a c o m m e r c i a l l i a b i l i t y p o l i c y t h a t m e e t s t h e re q u i r e m e n t s o f C V C § 1 6 0 5 6 o r 1 6 5 0 0 . 5 . NA I C # : Co m p a n y : ON E T O W E R S Q U A R E , H A R T F O R D , C T 0 6 1 8 3 Po l i c y N u m b e r Ef f e c t i v e D a t e Ex p i r a t i o n D a t e Ye a r Ma k e / M o d e l Ve h i c l e I d e n t i f i c a t i o n N u m b e r In s u r e d CA I D C A R e v . 1 2 - 0 6 Se e I m p o r t a n t N o t i c e o n R e v e r s e S i d e 19 0 4 6 TR A V E L E R S C A S U A L T Y I N S U R A N C E C O M P A N Y O F A M E R I C A 2X 9 4 5 8 8 7 - B A 09 - 2 0 - 2 4 09 - 2 0 - 2 5 4 P O I N T P O W E R I N C 13 1 3 N M I L P I T A S B L V D ST E 1 5 9 MI L P I T A S C A 9 5 0 3 5 - 3 1 8 6 20 1 4 FO R D F 1 5 0 1F T M F 1 C M 3 E K D 2 6 8 9 2 CA L I F O R N I A I N S U R A N C E I D E N T I F I C A T I O N C A R D Th e v e h i c l e d e s c r i b e d b e l o w i s c o v e r e d b y a c o m m e r c i a l l i a b i l i t y p o l i c y t h a t m e e t s t h e re q u i r e m e n t s o f C V C § 1 6 0 5 6 o r 1 6 5 0 0 . 5 . NA I C # : Co m p a n y : ON E T O W E R S Q U A R E , H A R T F O R D , C T 0 6 1 8 3 Po l i c y N u m b e r Ef f e c t i v e D a t e Ex p i r a t i o n D a t e Ye a r Ma k e / M o d e l Ve h i c l e I d e n t i f i c a t i o n N u m b e r In s u r e d CA I D C A R e v . 1 2 - 0 6 Se e I m p o r t a n t N o t i c e o n R e v e r s e S i d e 19 0 4 6 TR A V E L E R S C A S U A L T Y I N S U R A N C E C O M P A N Y O F A M E R I C A 2X 9 4 5 8 8 7 - B A 09 - 2 0 - 2 4 09 - 2 0 - 2 5 4 P O I N T P O W E R I N C 13 1 3 N M I L P I T A S B L V D ST E 1 5 9 MI L P I T A S C A 9 5 0 3 5 - 3 1 8 6 20 1 7 BI X T E X T R T R A I L E R 4R A L 1 2 1 0 H K 0 5 9 2 2 6 IN C A S E O F A N A C C I D E N T * C a l l T r a v e l e r s i m m e d i a t e l y . 1- 8 0 0 - 2 3 8 - 6 2 2 5 24 H O U R C L A I M R E P O R T I N G S E R V I C E * B e s u r e t o g e t n a m e a n d a d d r e s s o f e a c h d r i v e r , p a s s e n g e r , a n d w i t n e s s ; an d i n s u r a n c e c o m p a n y a n d p o l i c y n u m b e r f o r e a c h v e h i c l e i n v o l v e d . * D o n o t a s s u m e r e s p o n s i b i l i t y f o r a c c i d e n t . * C a l l p o l i c e . * P r o t e c t a g a i n s t f u r t h e r d a m a g e . * R e q u e s t m e d i c a l a s s i s t a n c e , i f r e q u i r e d . * O n l y d i s c u s s t h e a c c i d e n t w i t h p o l i c e o f f i c e r s o r T r a v e l e r s r e p r e s e n t a t i v e s . IM P O R T A N T L E G A L I N F O R M A T I O N CA I D C A ( B a c k ) Ca l i f o r n i a l a w r e q u i r e s t h a t e v i d e n c e o f f i n a n c i a l r e s p o n s i b i l i t y b e c a r r i e d i n y o u r v e h i c l e a t a l l ti m e s . T h i s c a r d m e e t s t h a t r e q u i r e m e n t a n d p r o v i d e s n e c e s s a r y i n f o r m a t i o n i n c a s e y o u a r e re q u e s t e d t o s h o w p r o o f o f i n s u r a n c e t o a l a w e n f o r c e m e n t o f f i c e r o r a r e i n v o l v e d i n a n ac c i d e n t . IN C A S E O F A N A C C I D E N T * C a l l T r a v e l e r s i m m e d i a t e l y . 1- 8 0 0 - 2 3 8 - 6 2 2 5 24 H O U R C L A I M R E P O R T I N G S E R V I C E * B e s u r e t o g e t n a m e a n d a d d r e s s o f e a c h d r i v e r , p a s s e n g e r , a n d w i t n e s s ; an d i n s u r a n c e c o m p a n y a n d p o l i c y n u m b e r f o r e a c h v e h i c l e i n v o l v e d . * D o n o t a s s u m e r e s p o n s i b i l i t y f o r a c c i d e n t . * C a l l p o l i c e . * P r o t e c t a g a i n s t f u r t h e r d a m a g e . * R e q u e s t m e d i c a l a s s i s t a n c e , i f r e q u i r e d . * O n l y d i s c u s s t h e a c c i d e n t w i t h p o l i c e o f f i c e r s o r T r a v e l e r s r e p r e s e n t a t i v e s . IM P O R T A N T L E G A L I N F O R M A T I O N CA I D C A ( B a c k ) Ca l i f o r n i a l a w r e q u i r e s t h a t e v i d e n c e o f f i n a n c i a l r e s p o n s i b i l i t y b e c a r r i e d i n y o u r v e h i c l e a t a l l ti m e s . T h i s c a r d m e e t s t h a t r e q u i r e m e n t a n d p r o v i d e s n e c e s s a r y i n f o r m a t i o n i n c a s e y o u a r e re q u e s t e d t o s h o w p r o o f o f i n s u r a n c e t o a l a w e n f o r c e m e n t o f f i c e r o r a r e i n v o l v e d i n a n ac c i d e n t . IN C A S E O F A N A C C I D E N T * C a l l T r a v e l e r s i m m e d i a t e l y . 1- 8 0 0 - 2 3 8 - 6 2 2 5 24 H O U R C L A I M R E P O R T I N G S E R V I C E * B e s u r e t o g e t n a m e a n d a d d r e s s o f e a c h d r i v e r , p a s s e n g e r , a n d w i t n e s s ; an d i n s u r a n c e c o m p a n y a n d p o l i c y n u m b e r f o r e a c h v e h i c l e i n v o l v e d . * D o n o t a s s u m e r e s p o n s i b i l i t y f o r a c c i d e n t . * C a l l p o l i c e . * P r o t e c t a g a i n s t f u r t h e r d a m a g e . * R e q u e s t m e d i c a l a s s i s t a n c e , i f r e q u i r e d . * O n l y d i s c u s s t h e a c c i d e n t w i t h p o l i c e o f f i c e r s o r T r a v e l e r s r e p r e s e n t a t i v e s . IM P O R T A N T L E G A L I N F O R M A T I O N CA I D C A ( B a c k ) Ca l i f o r n i a l a w r e q u i r e s t h a t e v i d e n c e o f f i n a n c i a l r e s p o n s i b i l i t y b e c a r r i e d i n y o u r v e h i c l e a t a l l ti m e s . T h i s c a r d m e e t s t h a t r e q u i r e m e n t a n d p r o v i d e s n e c e s s a r y i n f o r m a t i o n i n c a s e y o u a r e re q u e s t e d t o s h o w p r o o f o f i n s u r a n c e t o a l a w e n f o r c e m e n t o f f i c e r o r a r e i n v o l v e d i n a n ac c i d e n t . IN C A S E O F A N A C C I D E N T * C a l l T r a v e l e r s i m m e d i a t e l y . 1- 8 0 0 - 2 3 8 - 6 2 2 5 24 H O U R C L A I M R E P O R T I N G S E R V I C E * B e s u r e t o g e t n a m e a n d a d d r e s s o f e a c h d r i v e r , p a s s e n g e r , a n d w i t n e s s ; an d i n s u r a n c e c o m p a n y a n d p o l i c y n u m b e r f o r e a c h v e h i c l e i n v o l v e d . * D o n o t a s s u m e r e s p o n s i b i l i t y f o r a c c i d e n t . * C a l l p o l i c e . * P r o t e c t a g a i n s t f u r t h e r d a m a g e . * R e q u e s t m e d i c a l a s s i s t a n c e , i f r e q u i r e d . * O n l y d i s c u s s t h e a c c i d e n t w i t h p o l i c e o f f i c e r s o r T r a v e l e r s r e p r e s e n t a t i v e s . IM P O R T A N T L E G A L I N F O R M A T I O N CA I D C A ( B a c k ) Ca l i f o r n i a l a w r e q u i r e s t h a t e v i d e n c e o f f i n a n c i a l r e s p o n s i b i l i t y b e c a r r i e d i n y o u r v e h i c l e a t a l l ti m e s . T h i s c a r d m e e t s t h a t r e q u i r e m e n t a n d p r o v i d e s n e c e s s a r y i n f o r m a t i o n i n c a s e y o u a r e re q u e s t e d t o s h o w p r o o f o f i n s u r a n c e t o a l a w e n f o r c e m e n t o f f i c e r o r a r e i n v o l v e d i n a n ac c i d e n t . (To be completed and signed by Named Insured) ADDRESS: $50,000 each accident (CSL) $60,000 each accident (CSL) $100,000 each accident (CSL) $250,000 each accident (CSL) $300,000 each accident (CSL) $350,000 each accident (CSL) $500,000 each accident (CSL) $750,000 each accident (CSL) $ SUPPLEMENTARY COMMERCIAL AUTOMOBILE APPLICATION CALIFORNIA UNINSURED MOTORISTS COVERAGE OFFER FORM $1,000,000 each accident (CSL) UI CA 10 04 09 Page 1 of 3 NAME: California law permits you to make certain decisions regarding Uninsured Motorists Coverage. This document provides general descriptions of coverage and the options available. Refer to your policy for the prevailing cover- age provisions. I.BODILY INJURY – UNINSURED MOTORISTS COVERAGE Your automobile bodily injury liability insurance policy will automatically include Uninsured Motorists Coverage for bodily injury in limits equal to your bodily injury liability limit(s), unless you (1) delete this coverage com- pletely, (2) delete the coverage as to a motor vehicle operated by a natural person(s) designated by name or (3) select a lower limit(s) of coverage, but not less than the Minimum Financial Responsibility limits. If you wish to delete or reduce the bodily injury uninsured motorists coverage limits, please make your choice(s) be- low. A.Selection of Lower Limit(s) of Bodily Injury Uninsured Motorists Coverage The California Insurance Code requires an insurer to provide Uninsured Motorists Coverage in each bod- ily injury liability insurance policy it issues covering liability arising out of the ownership, maintenance, or use of a motor vehicle. Those provisions also permit the insurer and the applicant to provide the coverage in an amount less than that required by subdivision (m) of Section 11580.2 of the Insurance Code but not less than the financial responsibility requirements. Uninsured Motorists Coverage insures the insured, his or her heirs, or legal representatives for all sums within the limits established by law, which the person or persons are legally entitled to recover as damages for bodily injury, including any resulting sickness, dis- ease, or death, to the insured from the owner or operator of an uninsured motor vehicle not owned or op- erated by the insured or a resident of the same household. An uninsured motor vehicle includes an un- derinsured motor vehicle as defined in subdivision (p) of Section 11580.2 of the Insurance Code. I hereby select Uninsured Motorists Coverage for bodily injury in limits equal to the Minimum Finan- cial Responsibility limits of $15,000 each person/$30,000 each accident; OR $30,000 each accident. The Uninsured Motorists Coverage limits will be either split (each person/each accident) or a com- bined single limit (each accident, CSL), consistent with the bodily injury liability limits on the policy. I hereby select Uninsured Motorists Coverage for bodily injury at limits greater than the Minimum Fi- nancial Responsibility limits, but lower than the policy bodily injury liability limit. (Specify limit) 4 POINT POWER INC 1313 N MILPITAS BLVD STE 161 MILPITAS CA 95035-3193 0920242X945887092025BA UI CA 10 04 09 Page 2 of 3 I hereby delete bodily injury Uninsured Motorists Coverage entirely. I hereby delete Waiver of Collision Deductible coverage. B.Property Damage – Uninsured Motorists Coverage If your motor vehicle liability insurance policy does not include collision coverage AND you have not agreed to delete bodily injury Uninsured Motorists Coverage, your motor vehicle liability insurance policy will automatically include coverage for property damage to an applicable covered auto (excluding per- sonal property contained therein) caused by the owner or operator of an uninsured motor vehicle, unless you indicate otherwise below. Property Damage Uninsured Motorist Coverage covers payment for loss or damage to the covered auto resulting from collision, not to exceed its actual cash value or $3,500, which- ever is less, for which loss or damage the insured is legally entitled to recover from the owner or operator of an uninsured motor vehicle. PLEASE CONSIDER YOUR WAIVER OF COLLISION DEDUCTIBLE COVERAGE OPTIONS CARE- FULLY, PARTICULARLY IF YOU HAVE ELECTED TO PURCHASE A LARGE DEDUCTIBLE RATING PLAN IN CONNECTION WITH A PHYSICAL DAMAGE DEDUCTIBLE, AS THIS COVERAGE MAY LIMIT APPLICATION OF THE PHYSICAL DAMAGE DEDUCTIBLE YOU HAVE CHOSEN. IF YOU HAVE ANY QUESTIONS ABOUT THIS COVERAGE OR HOW IT MAY IMPACT YOUR PHYSICAL DAMAGE DEDUCTIBLE, PLEASE CONTACT YOUR AGENT OR BROKER. B.Deletion of Bodily Injury Uninsured Motorists Coverage The California Insurance Code requires an insurer to provide Uninsured Motorists Coverage in each bod- ily injury liability insurance policy it issues covering liability arising out of the ownership, maintenance, or use of a motor vehicle. Those provisions also permit the insurer and the applicant to delete the coverage completely or to delete the coverage when a motor vehicle is operated by a natural person or persons designated by name. Uninsured Motorists Coverage insures the insured, his or her heirs, or legal repre- sentatives for all sums within the limits established by law, which the person or persons are legally enti- tled to recover as damages for bodily injury, including any resulting sickness, disease, or death, to the in- sured from the owner or operator of an uninsured motor vehicle not owned or operated by the insured or a resident of the same household. An uninsured motor vehicle includes an underinsured motor vehicle as defined in subdivision (p) of Section 11580.2 of the Insurance Code. I hereby delete bodily injury Uninsured Motorists Coverage only with respect to the following named persons(s): II.OFFER OF WAIVER OF COLLISION DEDUCTIBLE AND PROPERTY DAMAGE – UNINSURED MOTOR- ISTS COVERAGE (Complete this section if you have not deleted bodily injury uninsured motorists coverage.) If bodily injury uninsured motorists coverage is not deleted, the California Insurance Code (Section 11580.26) requires insurers to offer the following additional coverage options. However, Waiver of Collision Deductible and Property Damage – Uninsured Motorists Coverage options do not apply to commercial vehicles used or maintained for the transportation of persons for hire, compensation or profit (excluding van pool vehicles), or designated, used or maintained primarily for the transportation of property. A.Waiver of Collision Deductible If your motor vehicle liability insurance policy includes collision coverage AND you have not agreed to de- lete bodily injury uninsured motorists coverage, your motor vehicle liability insurance policy will automati- cally include coverage for the amount of the deductible applicable to such collision coverage in the event of collision involving an applicable vehicle owned by the named insured and insured under the policy, and an uninsured motor vehicle, unless you indicate otherwise below. I hereby delete Waiver of Collision Deductible coverage only with respect to a covered auto used or operated by the following named persons(s): DATE UI CA 10 04 09 SIGNATURE OF NAMED INSURED I hereby delete property damage Uninsured Motorists Coverage. Page 3 of 3 I understand that the coverage acceptance, selection or deletion indicated herein shall apply on the policy(ies) in effect at the time this form is executed and all future renewal policies until I notify the Company IN WRITING of any changes. My signature below, and/or payment of any premium, evidences my actual knowledge and understanding of the availability of these benefits and limits as well as the benefits and limits I have selected, deleted or accepted by default. I hereby delete property damage Uninsured Motorists Coverage only with respect to a covered auto used or operated by the following named person(s): WLTR005 THE HARTFORD BUSINESS SERVICE CENTER 3600 WISEMAN BLVD SAN ANTONIO TX 78251 October 3, 2024 City of Cupertino 10300 TORRE AVE CUPERTINO CA 95014-3202 Account Information: Policy Holder Details :4 Point Power Inc DBA 4 Point Electric Contact Us Need Help? Chat online or call us at (866) 467-8730. We're here Monday - Friday. Enclosed please find a Certificate Of Insurance for the above referenced Policyholder.Please contact us if you have any questions or concerns. Sincerely, Your Hartford Service Team CERTIFICATE OF LIABILITY INSURANCE DATE (MM/DD/YYYY) 10/03/2024 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER.THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND,EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW.THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. IMPORTANT:If the certificate holder is an ADDITIONAL INSURED,the policy(ies)must be endorsed.If SUBROGATIONIS WAIVED, subject to the terms and conditions of the policy,certain policies may require an endorsement.A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER AUTOMATIC DATA PROCESSING INS AGCY 76250937 1 ADP BLVD M/S 625 ROSELAND NJ 07068 CONTACT NAME: PHONE (A/C, No, Ext): (800) 524-7024 FAX (A/C, No): E-MAIL ADDRESS: INSURER(S) AFFORDING COVERAGE NAIC# INSURER A : Hartford Casualty Insurance Company 29424 INSURED 4 POINT POWER INC DBA 4 POINT ELECTRIC 1313 N MILPITAS BLVD STE 161 MILPITAS CA 95035-3193 INSURER B : INSURER C : INSURER D : INSURER E : INSURER F : COVERAGES CERTIFICATE NUMBER:REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED.NOTWITHSTANDING ANY REQUIREMENT,TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN,THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR LTR TYPE OF INSURANCE ADDL INSR SUBR WVD POLICY NUMBER POLICY EFF (MM/DD/YYYY) POLICY EXP (MM/DD/Y YYY) LIMITS COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE CLAIMS-MADE OCCUR DAMAGE TO RENTED PREMISES (Ea occurrence) MED EXP (Any one person) PERSONAL & ADV INJURY GEN'L AGGREGATE LIMIT APPLIES PER:GENERAL AGGREGATE POLICY PRO- JECT LOC PRODUCTS - COMP/OP AGG OTHER: AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT (Ea accident) ANY AUTO BODILY INJURY (Per person) ALL OWNED AUTOS SCHEDULED AUTOS BODILY INJURY (Per accident) HIRED AUTOS NON-OWNED AUTOS PROPERTY DAMAGE (Per accident) UMBRELLA LIAB EXCESS LIAB OCCUR CLAIMS- MADE EACH OCCURRENCE AGGREGATE DED RETENTION $ A WORKERS COMPENSATION AND EMPLOYERS' LIABILITY ANY PROPRIETOR/PARTNER/EXECUTIVE OFFICER/MEMBER EXCLUDED? (Mandatory in NH) If yes, describe under DESCRIPTION OF OPERATIONS below N/ A X 76 WEG AH5THK 09/07/2024 09/07/2025 X PER STATUTE OTH- ER Y/N E.L. EACH ACCIDENT $1,000,000 E.L. DISEASE -EA EMPLOYEE $1,000,000 E.L. DISEASE - POLICY LIMIT $1,000,000 DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) Those usual to the Insured's Operations. Blanket Waiver of Subrogation applies in favor of the Certificate Holder per the Waiver of Our Right to Recover from Others Endorsement WC040306, attached to this policy. CERTIFICATE HOLDER CANCELLATION City of Cupertino 10300 TORRE AVE CUPERTINO CA 95014-3202 SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF,NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. AUTHORIZED REPRESENTATIVE © 1988-2015 ACORD CORPORATION. All rights reserved. ACORD 25 (2016/03)The ACORD name and logo are registered marks of ACORD THIS ENDORSEMENT CHANGES THE POLICY.PLEASE READ IT CAREFULLY. Countersigned by Authorized Representative Form WC 04 03 06 (1) Printed in U.S.A. Process Date:07/29/24 Policy Expiration Date:09/07/25 WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT - CALIFORNIA Policy Number:76 WEG AH5THK Endorsement Number: Effective Date:09/07/24 Effective hour is the same as stated on the Information Page of the policy. Named Insured and Address:4 POINT POWER INC 1313 N MILPITAS BLVD STE 161 MILPITAS CA 95035 We have the right to recover our payments from anyone liable for an injury covered by this policy.We will not enforce our right against the person or organization named in the Schedule.(This agreement applies only to the extent that you perform work under a written contract that requires you to obtain this agreement from us.) You must maintain payroll records accurately segregating the remuneration of your employees while engaged in the work described in the Schedule. The additional premium for this endorsement shall be %of the California workers'compensation premium otherwise due on such remuneration. SCHEDULE Person or Organization Job Description City of Cupertino 10300 TORRE AVE CUPERTINO CA 95014-3202 SCPHS018 THE HARTFORD BUSINESS SERVICE CENTER 3600 WISEMAN BLVD SAN ANTONIO TX 78251 July 29, 2024 4 POINT POWER INC 1313 N MILPITAS BLVD STE 161 MILPITAS CA 95035 Policy Information: Policy Number:76 WEG AH5THK Renewal Date:09/07/24 Contact Us Visit https://business.thehartford.com 24/7 access to pay bills, view policy documents, get your certificate of insurance and more. Need Help?Start a live chat online or call us at (866) 225-7966.We’re here weekdays from 8:00 AM to 8:00 PM ET Dear Policyholder, Thanks for being a loyal customer of The Hartford!Your workers'compensation policy is scheduled to renew on 09/07/24. This packet has your renewal documents and other important info about your upcoming policy term. What you should do right now Check the back of your packet.There may be posting notices to put up in the workplace,or forms that you'll need to sign and return if you haven't already. After that,you can look through the rest of the packet to make sure everything looks right.Here's what you'll find,in this order: ·Any documents required by your state ·Your Declarations page ·Billing information ·Any endorsements on your policy ·Information about your premium audit ·Privacy notices and miscellaneous legal documents ·Forms/documents that you should sign and return, if you haven't already SCPHS018 ·Posting notices Need to make updates? If anything at your business has changed,or if something in your renewal doesn’t look right,let us know.We’ll work together to review your policy and your needs. Log in to https://business.thehartford.com, start a live chat online or call us at (866) 225-7966 to get started. At the end of your policy term,we may also contact you about a premium audit.The state requires us to audit certain types of policies to make sure you didn’t over- or underpay for your last policy term. Report a loss immediately online 24/7 or call us at 800-327-3636. On behalf of AUTOMATIC DATA PROCESSING INS AGCY,thanks for choosing us for your business insurance needs. We look forward to another year with you! Sincerely, The Hartford Please keep a copy of this letter with your insurance policy for future reference. Form WC 66 04 56 Printed in U.S.A. CALIFORNIA FRAUD STATEMENT For your protection, California law requires that you be advised of the following: Any person who knowingly presents false or fraudulent information to obtain or amend insurance coverage or to make a claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison. Form 97485 18th Rev.Printed in U.S.A.Page 1 of 4 Process Date:07/29/24 Policy Expiration Date:09/07/25 Policy Number 76 WEG AH5THK Policy Effective Date 09/07/24 4 POINT POWER INC 1313 N MILPITAS BLVD STE 161 MILPITAS CA 95035 Dear Hartford Insured, Re: An Important Message to Workers Compensation Policyholders The control of workplace accidents and injuries should be among the highest priorities of your firm.Each accident wastes precious human and financial resources,and introduces inefficiencies into your operations.From a practical standpoint, the control of accidents, and their inevitable costs, simply makes good business sense. An effective risk engineering program can save you money and aggravation,can positively impact your loss experience (and thus your premium), and most importantly, can help you maintain solid control of your operations. As a service to you,our valued customer,the Risk Engineering Department of The Hartford in cooperation with your independent agent,can assist you in establishing risk engineering strategies.If you would like assistance, please complete and return to us the reply portion of this brochure, or contact your independent agent. Services Available The following is a description of some of the services that we provide.The types of services that may be appropriate for your business depend upon the nature and size of your operations and the specific risk engineering services you have requested.The cost of risk engineering services may or may not be a part of your insurance premium.This depends on the extent of the requested services,agreements stated in your insurance policy and program,and statutory regulations that may require us to provide risk engineering services. 1)Reference Materials –Information about risk engineering topics that can be provided or made available to you to help you to enhance your risk engineering program. 2)Telephone Consultation –We can hold a teleconference with you to help you to evaluate your risk engineering program,identify areas for improvement,and recommend ways to implement such improvements. 3)Onsite Consultation –This consists of visiting your premises and helping you to assess and remedy your risk engineering needs onsite.This level of service is usually only appropriate for larger,higher hazard operations.The following are examples of some of the services that could be provided onsite: o A review of your safety program to determine its adequacy and recommend modifications to that plan where needed. o Specific hazard evaluations, including ergonomics, industrial hygiene or material handling. o An initial survey and evaluation to address potential safety and health hazards. o Consultation to help management establish a comprehensive loss prevention Program. o Periodic summaries of accidents and analysis of causes. o Follow-up visits to check on progress and to provide continuing assistance when required. Form 97485 18th Rev.Printed in U.S.A.Page 2 of 4 A Word About OSHA The Occupational Safety and Health Act of 1970 and similarly approved State Plans require employers to provide their employees with safe and healthful places to work.The Occupational Safety and Health Administration (OSHA)of the U.S.Department of Labor and similar State agencies enforce the regulations and apply penalties (civil and criminal) for non-compliance. New standards have been developed,and through application and interpretation,standards change.You should make yourself aware of the standards that are applicable to your operations,and assure yourself that reasonable efforts are made to be in compliance.Copies of the standards are available through most libraries,or can be obtained through OSHA or the U.S. Government Printing Office. You should know that neither The Hartford,nor any other party,can fulfill your obligations under the Law. Questions related to your legal obligations should be referred to your legal counsel. Some Safety Reminders from The Hartford: Have you considered: o The need to formalize your safety efforts to assure compliance and document your efforts? o The need to acquire Material Safety Data Sheets on all hazardous materials and the need for training on appropriate safety measures for your employees? o Requirements for record keeping of injuries, illnesses, and exposure to hazardous substances? o Assessing each job task to determine hazards and needed controls? o Measuring each exposure to hazardous substances to determine the need for control or personal protective equipment? o What mechanisms are in place to periodically verify that exposure controls (guards,ventilation systems, etc.) are still in place and working? o What specific training your employees and your supervisors need to avoid hazards in the workplace? o What specific OSHA standards apply to your business? o What mechanism exists to promptly investigate all accidents and ‘near-misses’to limit the chance of another occurrence? o The financial impact an injury or illness has on your business? o What resources are available to you to help prevent accidents and illnesses? Thank you for your business. Sincerely, The Hartford's Risk Engineering Department Form 97485 18th Rev.Printed in U.S.A.Page 3 of 4 THIS BROCHURE IS PROVIDED FOR INFORMATIONAL PURPOSES ONLY.IT IS NOT INTENDED TO BE A SUBSTITUTE FOR A COMPLETE ON-SITE SAFETY INSPECTION CONDUCTED BY A QUALIFIED RISK ENGINEERING SPECIALIST.READERS ARE ENCOURAGED TO HAVE SUCH AN INSPECTION CONDUCTED BOTH TO PROMOTE WORKPLACE SAFETY AND TO COMPLY WITH APPLICABLE LAW. FOR ADDITIONAL INFORMATION OR ASSISTANCE,EITHER TELEPHONE OR MAIL THIS FORM TO YOUR HARTFORD AGENT OR NEAREST OFFICE OF THE HARTFORD NOTICE TO ARKANSAS POLICYHOLDERS The Hartford is required by law to provide its policyholders with certain accident prevention services at no additional cost as required by ARK.Code Ann.§11-9-409(D)and Rule 32.If you would like more information,call The Hartford’s Risk Engineering Department,One Hartford Plaza,COG1,Hartford,CT 06155 at 1-866-586-0467. If you have any questions about this requirement,call the Health and Safety Division,Arkansas Workers’ Compensation Commission at 1-800-622-4472. NOTICE TO CALIFORNIA POLICYHOLDERS The Hartford is required by law to provide its policyholders with certain occupational safety and health risk engineering consultation services as required by the California Labor Code,§6354.5,at no additional charge.If you would like more information call The Hartford’s Risk Engineering Department at 1-866-586-0467 for occupational safety and health risk engineering consultation services. California Workers Compensation insurance policyholders may register comments about the insurer’s risk engineering consultation service by writing to: State of California Department of Industrial Relations Division of Occupational Safety and Health P.O. Box 420603 San Francisco, California 94142 NOTICE TO PENNSYLVANIA POLICYHOLDERS The Hartford maintains and provides accident and illness prevention services as required by the nature of the policyholder's business or its operation,in accordance with the Pennsylvania Workers'Compensation Act.For more information about these services contact your Hartford Agent or nearest office of The Hartford. NOTICE TO TEXAS POLICYHOLDERS Pursuant to Texas Labor Code §411.066,The Hartford is required to notify its policyholders that accident prevention services are available from The Hartford at no additional charge.These services may include surveys, recommendations,training programs,consultations,analyses of accident causes,industrial hygiene and industrial health services. The Hartford is also required to provide return-to-work coordination services as required by Texas Labor Code §413.021 and to notify you of the availability of the return-to-work reimbursement program for employers under Texas Labor Code §413.022. If you would like more information,contact The Hartford at 1-866-586-0467 and email contactriskengineering@thehartford.com for accident prevention services or 1-877-952-9222 and email CentralClaimCenter.WCEDM@thehartford.com for return-to-work coordination services. For information about these requirements call the Texas Department of Insurance,Division of Workers’ Compensation (TDI-DWC)at 1-800-687-7080 or for information about the return-to-work reimbursement program for employers call the TDI-DWC at 1-512-804-5000. If The Hartford fails to respond to your request for accident prevention services or return-to-work coordination services,you may file a complaint with the TDI-DWC in writing at http://www.tdi.texas.gov or by mail to Texas Department of Insurance, Division of Workers’ Compensation, P.O. Box 12050, Austin, Texas 78711. Form 97485 18th Rev.Printed in U.S.A.Page 4 of 4 Request for Technical Resources To The Hartford's Risk Engineering Department: Yes - I am interested in obtaining information concerning: General Topics Business Continuity Construction Accident Analysis Business Travel Safety Construction Site Consultation Accident Investigations Contingency Planning Overview Construction Equipment Hazards Establishing a Risk Engineering Program Emergency/Disaster Response Hazard Communication Hazard Recognition Emergency Evacuation Drills Ladders & Scaffolds Safety Committees Emergency Preparedness Planning Trenching & Evacuation Fall Protection Ergonomics Industrial Hygiene Property Back Injury Prevention Hazard Communication Automatic Sprinkler System Computer Workstation Industrial Hygiene (general)Flammable Liquids Cumulative Trauma Disorders Indoor Air Quality Fire Prevention and Protection Ergo Train-the-Trainer Noise Exposures Fire Drill and Evacuation Telecommuting Respiratory Protection Hot Work Permit Program Transportation Workers' Compensation Other Topics 3-D Driver Training Bloodborne Pathogens Business Risk Management Driving Defensively Drug Screening General Liability Investigations Fleet Newsletter Machine Safeguarding Product Liability Programs Guide to Successful Driver Mgmt Return to Work Programs Safety Training School Bus Driving Tips Slip and Falls Security/Terrorism Name Company Policy # Address City & State Zip Code Email Address:Telephone For more information on the above, you can visit our website at https://www.thehartford.com/riskengineering Or you may forward your request to: Fax line: 1-860-723-4459 Or mail to: The Hartford Financial Services Group Risk Engineering Department One Hartford Plaza, COG1 Hartford, CT 06155 Form WC 99 00 02 (03/14)Page 1 of 1 Workers’ Compensation and Employers’ Liability Business Insurance Policy (Policy Provisions:WC000000C) INFORMATION PAGE WORKERS COMPENSATION AND EMPLOYERS LIABILITY POLICY Form WC 00 00 01 A (1)Printed in U.S.A.Page 1 (Continued on next page) Process Date:07/29/24 Policy Expiration Date:09/07/25 INSURER:Hartford Casualty Insurance Company ONE HARTFORD PLAZA HARTFORD CT 06155 NCCI Company Number:14397 Company Code:3 Suffix LARS RENEWAL POLICY NUMBER:76 WEG AH5THK 5 Previous Policy Number:76 WEG AH5THK 1.Named Insured and Mailing Address: (No., Street, Town, State, Zip Code) 4 POINT POWER INC 1313 N MILPITAS BLVD STE 161 MILPITAS CA 95035 FEIN Number:81-2549147 State Identification Number(s): The Named Insured is:Corporation Business of Named Insured:Electrical Contractors Other workplaces not shown above:1313 N MILPITAS BLVD STE 161 MILPITAS CA 95035 2.Policy Period:From 09/07/24 To 09/07/25 ANNUAL 12:01 a.m., Standard time at the insured's mailing address. Producer’s Name:AUTOMATIC DATA PROCESSING INS AGCY 1 ADP BLVD M/S 625 ROSELAND NJ 07068 Producer’s Code:76250937 Issuing Office:THE HARTFORD BUSINESS SERVICE CENTER 3600 WISEMAN BLVD SAN ANTONIO TX 78251 (866) 225-7966 Total Estimated Annual Premium:$8,573 Deposit Premium: Policy Minimum Premium:$661 CA Audit Period:ANNUAL Installment Term: The policy is not binding unless countersigned by our authorized representative. Countersigned by 07/29/24 Authorized Representative Date INFORMATION PAGE (Continued)Policy Number:76 WEG AH5THK Form WC 00 00 01 A (1)Printed in U.S.A.Page 2 Process Date:07/29/24 Policy Expiration Date:09/07/25 3.A. Workers Compensation Insurance:Part one of the policy applies to the Workers Compensation Law of the states listed here:CA B. Employers Liability Insurance:Part Two of the policy applies to work in each state listed in Item 3.A. The limits of our liability under Part Two are: Bodily injury by Accident $1,000,000 each accident Bodily injury by Disease $1,000,000 policy limit Bodily injury by Disease $1,000,000 each employee C. Other States Insurance:Part Three of the policy applies to the states, if any , listed here: ALL STATES EXCEPT NORTH DAKOTA, OHIO, WASHINGTON, WYOMING, U.S.TERRITORIES AND STATES DESIGNATED IN ITEM 3.A. OF THE INFORMATION PAGE. D. This policy includes these endorsements and schedule: SEE ENDORSEMENT-WC 99 03 68 4.The premium for this policy will be determined by our Manuals of Rules, Classifications, Rates and Rating Plans.All information required below is subject to verification and change by audit. Classifications Code Number and Description Premium Basis Total Estimated Annual Remuneration Rates Per $100 of Remuneration Estimated Annual Premium Total Standard Premium $7,904 Premium Discount -$103 Expense Constant $200 Terrorism Risk Insurance Program Reauthorization Act Disclosure Endorsement $84 Estimated Annual Premium (before Surcharges)$8,085 Total Estimated Surcharges $488 *See the attached Schedule(s) of Operations for Location and State Level Premium Information Total Estimated Annual Premium:$8,573 Deposit Premium: Policy Minimum Premium:$661 CA Interstate/Intrastate Identification Number:Refer to Schedule of Operations NAICS: 238210 Labor Contractors Policy Number:SIC:1731 Form WC 99 03 68 Printed in U.S.A. Process Date:07/29/24 Policy Expiration Date:09/07/25 EXTENSION OF THE INFORMATION PAGE - ITEM 3.D - ENDORSEMENTS Policy Number:76 WEG AH5THK Endorsement Number: Effective Date:09/07/24 Effective hour is the same as stated on the Information Page of the policy. Named Insured and Address:4 POINT POWER INC 1313 N MILPITAS BLVD STE 161 MILPITAS CA 95035 Item 3.D. of the Information Page is completed to include the following endorsements: G-4119-0 POLICYHOLDER NOTICE-PAYROLL BILLING PN049901I POLICYHOLDER NOTICE - YOUR RIGHT TO RATING AND DIVIDEND INFORMATION WC000000C WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC000001A.1 INFORMATION PAGE WC000001A.2 INFORMATION PAGE WC000406 Premium Discount Endorsement WC000422C TERRORISM RISK INSURANCE PROGRAM REAUTHORIZATION ACT DISCLOSURE ENDORSEMENT WC040301BB POLICY AMENDATORY ENDORSEMENT - CALIFORNIA WC040303C OFFICERS AND DIRECTORS COVERAGE/EXCLUSION ENDORSEMENT - CALIFORNIA WC040306 WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT - CALIFORNIA WC040360B EMPLOYERS LIABILITY COVERAGE AMENDATORY ENDORSEMENT - CALIFORNIA WC040421 OPTIONAL PREMIUM INCREASE ENDORSEMENT - CALIFORNIA WC040422 CALIFORNIA SHORT-RATE CANCELLATION ENDORSEMENT WC040601B CALIFORNIA CANCELATION ENDORSEMENT WC550011D Employees Claim for Workers compensation Benefits WC880400I Notice to Employees - Injuries Caused By Work (TITLE IN SPANISH) WC880401I Notice to Employees - Injuries Caused By Work Form WC 99 03 68 Printed in U.S.A. Process Date:07/29/24 Policy Expiration Date:09/07/25 EXTENSION OF THE INFORMATION PAGE - ITEM 3.D - ENDORSEMENTS Policy Number:76 WEG AH5THK Endorsement Number: Effective Date:09/07/24 Effective hour is the same as stated on the Information Page of the policy. Named Insured and Address:4 POINT POWER INC 1313 N MILPITAS BLVD STE 161 MILPITAS CA 95035 Item 3.D. of the Information Page is completed to include the following endorsements: WC990001K Signature/Copyright WC990002 WORKERS' COMPENSATION AND EMPLOYERS' LIABILITY BUSINESS INSURANCE POLICY WC990005 SCHEDULE OF OPERATIONS WC990302B WORKERS COMPENSATION BROAD FORM ENDORSEMENT WC990358B AMENDMENT TO WORKERS COMPENSATION BROAD FORM ENDORSEMENT - EMPLOYERS LIABILITY STOP GAP COVERAGE WC990368 EXTENSION OF THE INFORMATION PAGE - ITEM 3.D. - ENDORSEMENTS WC990375 CALIFORNIA INSTALLMENT FEE DISCLOSURE ENDORSEMENT WC990394 NOTICE OF CANCELLATION TO CERTIFICATE HOLDER(S) WC990628 MINIMUM RETAINED PREMIUM ENDORSEMENT WC990689 GOODS AND SERVICES ENDORSEMENT SCHEDULE OF OPERATIONS This Schedule of Operations forms a part of the policy effective on the inception date of the policy unless another date is indicated below: INSURER:HARTFORD CASUALTY INSURANCE COMPANY Company Code:3 Policy Number:76 WEG AH5THK Schedule Number:01-04-01 Effective Date:09/07/24 Effective hour is the same as stated on the Information Page of the policy. Named Insured and Location Address of operations covered by this schedule: 4 POINT POWER INC 1313 N MILPITAS BLVD STE 161 MILPITAS CA 95035 NAICS: 238210 FEIN:81-2549147 SIC: 1731 NO. OF EMPL: 2 4.The premium for this policy will be determined by our Manuals of Rules,Classifications,Rates and Rating Plans.All information required below is subject to verification and change by audit. Classifications Code Number and Description Premium Basis Total Estimated Annual Remuneration Rates Per $100 of Remuneration Estimated Annual Premium Countersigned by Authorized Representative Form WC 99 00 05 (1) Printed in U.S.A. Process Date:07/29/24 Policy Expiration Date:09/07/25 5140 ELECTRICAL WIRING - WITHIN BUILDINGS - INCLUDING INSTALLATION OR REPAIR OF ELECTRICAL FIXTURES - INCLUDING SHOP, YARD OR STORAGE OPERATIONS - EMPLOYEES WHOSE REGULAR HOURLY WAGE EQUALS OR EXCEEDS $34.00 PER HOUR 419,000.00 4.610000 19,316 SCHEDULE OF OPERATIONS This Schedule of Operations forms a part of the policy effective on the inception date of the policy unless another date is indicated below: INSURER:HARTFORD CASUALTY INSURANCE COMPANY Company Code:3 Policy Number:76 WEG AH5THK Schedule Number:01-04-01 Effective Date:09/07/24 Effective hour is the same as stated on the Information Page of the policy. Named Insured and Location Address of operations covered by this schedule: 4 POINT POWER INC 1313 N MILPITAS BLVD STE 161 MILPITAS CA 95035 NAICS: 238210 FEIN:81-2549147 SIC: 1731 NO. OF EMPL: 2 4.The premium for this policy will be determined by our Manuals of Rules,Classifications,Rates and Rating Plans.All information required below is subject to verification and change by audit. Classifications Code Number and Description Premium Basis Total Estimated Annual Remuneration Rates Per $100 of Remuneration Estimated Annual Premium Countersigned by Authorized Representative Form WC 99 00 05 (1) Printed in U.S.A. Process Date:07/29/24 Policy Expiration Date:09/07/25 Total State Summary Total Class Premium 19,316 CA Territorial Differential 0.910000 -1,738 Waiver of Subrogation 0.020000 386 Experience modifier 8574430 0.880000 -2,156 Schedule Rating Factor 0.500000 -7,904 Total Estimated Annual Standard Premium 7,904 Premium discount 0.013000 -103 Expense constant 200 Terrorism Risk Insurance Program Reauthorization Act Disclosure Endorsement 419,000.00 0.020000 84 CA User Fund 2.460400 199 CA Fraud 0.412200 33 CA Uninsured Employers Benefit Trust Fund 0.150500 12 CA Subsequent Injuries Benefit Trust Fund Assessments 1.589100 128 CA Occupational Safety & Health Fund 0.726600 59 CA Labor Enforcement & Compliance Fund 0.710900 57 Total Estimated Annual Premium 8,573 Form WC 66 01 56 B Printed in U.S.A. Process Date:07/29/24 Policy Expiration Date:09/07/25 WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY QUICK REFERENCE Beginning Beginning on Page on Page INFORMATION PAGE PART TWO - Continued 1 G.Limits of Liability ..............................................4 General Section..............................................................1 H.Recovery From Others.....................................4 A.The Policy...............................................................1 I.Actions Against Us...........................................4 B.Who Is Insured.......................................................1 C.Workers Compensation Law..................................1 PART THREE - OTHER STATES INSURANCE 4 D.State.......................................................................1 A.How This Insurance Applies.............................4 E.Locations................................................................1 B.Notice...............................................................5 PART ONE - WORKERS COMPENSATION INSURANCE...1 PART FOUR - YOUR DUTIES IF INJURY OCCURS.....5 A.How This Insurance Applies...................................1 B.We Will Pay............................................................1 PART FIVE - PREMIUM...............................................5 C.We Will Defend.......................................................1 A.Our Manuals.....................................................5 D.We Will Also Pay....................................................1 B.Classifications..................................................5 E.Other Insurance......................................................2 C.Remuneration...................................................5 F.Payments You Must Make......................................2 D.Premium Payments..........................................5 G.Recovery From Others...........................................2 E.Final Premium..................................................5 H.Statutory Provisions................................................2 F.Records............................................................6 G.Audit.................................................................6 PART TWO - EMPLOYERS LIABILITY INSURANCE......2 A.How This Insurance Applies...................................2 PART SIX - CONDITIONS.......................................6 B.We will Pay.............................................................3 A.Inspection.........................................................6 C.Exclusions..............................................................3 B.Long Term Policy.............................................6 D.We Will Defend.......................................................3 C.Transfer of Your Rights and Duties..................6 E.We Will Also Pay....................................................4 D.Cancellation.....................................................6 F.Other Insurance......................................................4 E.Sole Representative.........................................6 IMPORTANT:This Quick Reference is not part of the Workers Compensation and Employers Liability Policy and does not provide coverage.Refer to the Workers Compensation and Employers Liability Policy itself for actual contractual provisions. PLEASE READ THE WORKERS COMPENSATION AND EMPLOYERS LIABILITY POLICY CAREFULLY. Form WC 00 00 00 C Printed in U.S.A.Page 1 of 6 Process Date: 07/29/24 Policy Expiration Date: 09/07/25 WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY In return for the payment of the premium and subject to all terms of this policy, we agree with you as follows: GENERAL SECTION A.The Policy This policy includes at its effective date the Information Page and all endorsements and schedules listed there.It is a contract of insurance between you (the employer named in Item 1 of the Information Page)and us (the insurer named on the Information Page).The only agreements relating to this insurance are stated in this policy.The terms of this policy may not be changed or waived except by endorsement issued by us to be part of this policy. B.Who Is Insured You are insured if you are an employer named in Item 1 of the Information Page.If that employer is a partnership,and if you are one of its partners,you are insured,but only in your capacity as an employer of the partnership's employees. C.Workers Compensation Law Workers Compensation Law means the workers or workmen's compensation law and occupational disease law of each state or territory named in Item 3.A.of the Information Page.It includes any amendments to that law which are in effect during the policy period.It does not include any federal workers or workmen's compensation law,any federal occupational disease law or the provisions of any law that provide nonoccupational disability benefits. D.State State means any state of the United States of America, and the District of Columbia. E.Locations This policy covers all of your workplaces listed in Items 1 or 4 of the Information Page;and it covers all other workplaces in Item 3.A.states unless you have other insurance or are self-insured for such workplaces. PART ONE - WORKERS COMPENSATION INSURANCE A.How This Insurance Applies This workers compensation insurance applies to bodily injury by accident or bodily injury by disease. Bodily injury includes resulting death. 1.Bodily injury by accident must occur during the policy period. 2.Bodily injury by disease must be caused or aggravated by the conditions of your employment. The employee's last day of last exposure to the conditions causing or aggravating such bodily injury by disease must occur during the policy period. B.We Will Pay We will pay promptly when due the benefits required of you by the workers compensation law. C.We Will Defend We have the right and duty to defend at our expense any claim,proceeding or suit against you for benefits payable by this insurance.We have the right to investigate and settle these claims,proceedings or suits. We have no duty to defend a claim,proceeding or suit that is not covered by this insurance. D.We Will Also Pay We will also pay these costs,in addition to other amounts payable under this insurance,as part of any claim, proceeding or suit we defend: 1.reasonable expenses incurred at our request,but not loss of earnings; Form WC 00 00 00 C Printed in U.S.A.Page 2 of 6 2.premiums for bonds to release attachments and for appeal bonds in bond amounts up to the amount payable under this insurance; 3.litigation costs taxed against you; 4.interest on a judgment as required by law until we offer the amount due under this insurance; and 5.expenses we incur. E.Other Insurance We will not pay more than our share of benefits and costs covered by this insurance and other insurance or self-insurance.Subject to any limits of liability that may apply,all shares will be equal until the loss is paid.If any insurance or self-insurance is exhausted, the shares of all remaining insurance will be equal until the loss is paid. F.Payments You Must Make You are responsible for any payments in excess of the benefits regularly provided by the workers compensation law including those required because: 1.of your serious and willful misconduct; 2.you knowingly employ an employee in violation of law; 3.you fail to comply with a health or safety law or regulation; or 4.you discharge,coerce or otherwise discriminate against any employee in violation of the workers compensation law. If we make any payments in excess of the benefits regularly provided by the workers compensation law on your behalf, you will reimburse us promptly. G.Recovery From Others We have your rights,and the rights of persons entitled to the benefits of this insurance,to recover our payments from anyone liable for the injury. You will do everything necessary to protect those rights for us and to help us enforce them. H.Statutory Provisions These statements apply where they are required by law. 1.As between an injured worker and us,we have notice of the injury when you have notice. 2.Your default or the bankruptcy or insolvency of you or your estate will not relieve us of our duties under this insurance after an injury occurs. 3.We are directly and primarily liable to any person entitled to the benefits payable by this insurance. Those persons may enforce our duties;so may an agency authorized by law.Enforcement may be against you and us. 4.Jurisdiction over you is jurisdiction over us for purposes of the workers compensation law.We are bound by decisions against you under that law,subject to the provisions of this policy that are not in conflict with that law. 5.This insurance conforms to the parts of the workers compensation law that apply to: a.benefits payable by this insurance; b.special taxes,payments into security or other special funds,and assessments payable by us under that law. 6.Terms of this insurance that conflict with the workers compensation law are changed by this statement to conform to that law. Nothing in these paragraphs relieves you of your duties under this policy. PART TWO - EMPLOYERS LIABILITY INSURANCE A.How This Insurance Applies This employers liability insurance applies to bodily injury by accident or bodily injury by disease.Bodily injury includes resulting death. 1.The bodily injury must arise out of and in the course of the injured employee's employment by you. 2.The employment must be necessary or incidental to your work in a state or territory listed in Item 3.A. of the Information Page. 3.Bodily injury by accident must occur during the policy period. 4.Bodily injury by disease must be caused or aggravated by the conditions of your employment. The employee's last day of last Form WC 00 00 00 C Printed in U.S.A.Page 3 of 6 exposure to the conditions causing or aggravating such bodily injury by disease must occur during the policy period. 5.If you are sued,the original suit and any related legal actions for damages for bodily injury by accident or by disease must be brought in the United States of America,its territories or possessions, or Canada. B.We Will Pay We will pay all sums that you legally must pay as damages because of bodily injury to your employees, provided the bodily injury is covered by this Employers Liability Insurance. The damages we will pay,where recovery is permitted by law, include damages: 1.For which you are liable to a third party by reason of a claim or suit against you by that third party to recover the damages claimed against such third party as a result of injury to your employee; 2.For care and loss of services; and 3.For consequential bodily injury to a spouse,child, parent,brother or sister of the injured employee; provided that these damages are the direct consequence of bodily injury that arises out of and in the course of the injured employee's employment by you; and 4.Because of bodily injury to your employee that arises out of and in the course of employment, claimed against you in a capacity other than as employer. C.Exclusions This insurance does not cover: 1.Liability assumed under a contract.This exclusion does not apply to a warranty that your work will be done in a workmanlike manner; 2.Punitive or exemplary damages because of bodily injury to an employee employed in violation of law; 3.Bodily injury to an employee while employed in violation of law with your actual knowledge or the actual knowledge of any of your executive officers; 4.Any obligation imposed by a workers com- pensation,occupational disease,unemployment compensation,or disability benefits law,or any similar law; 5.Bodily injury intentionally caused or aggravated by you; 6.Bodily injury occurring outside the United States of America, its territories or possessions, and Canada. This exclusion does not apply to bodily injury to a citizen or resident of the United States of America or Canada who is temporarily outside these countries; 7.Damages arising out of coercion,criticism, demotion,evaluation,reassignment,discipline, defamation,harassment,humiliation,dis- crimination against or termination of any employee,or any personnel practices,policies, acts or omissions; 8.Bodily injury to any person in work subject to the Longshore and Harbor Workers'Compensation Act (33 U.S.C.Sections 901 et seq.),the Noappropriated Fund Instrumentalities Act (5 U.S.C.Sections 8171 et seq.),the Outer Continental Shelf Lands Act (43 U.S.C.Sections 1331 et seq.),the Defense Base Act (42 U.S.C. Sections 1651-1654),the Federal Mine Safety and Health Act (30 U.S.C.Sections 801 et seq. and 901-944)any other federal workers or workmen's compensation law or other federal occupational disease law,or any amendments to these laws; 9.Bodily injury to any person in work subject to the Federal Employers'Liability Act (45 U.S.C. Sections 51 et seq.),any other federal laws obligating an employer to pay damages to an employee due to bodily injury arising out of or in the course of employment,or any amendments to those laws; 10.Bodily injury to a master or member of the crew of any vessel,and does not cover punitive damages related to your duty or obligation to provide transportation,wages,maintenance,and cure under any applicable maritime law; 11.Fines or penalties imposed for violation of federal or state law; and 12.Damages payable under the Migrant and Seasonal Agricultural Worker Protection Act (29 U.S.C.Sections 1801 et seq.)and under any other federal law awarding damages for violation of those laws or regulations issued thereunder, and any amendments to those laws. D.We Will Defend We have the right and duty to defend,at our expense, any claim,proceeding or suit against you for damages payable by this insurance.We have the right to investigate and settle these claims,proceedings and suits. Form WC 00 00 00 C Printed in U.S.A.Page 4 of 6 We have no duty to defend a claim,proceeding or suit that is not covered by this insurance.We have no duty to defend or continue defending after we have paid our applicable limit of liability under this insurance. E.We Will Also Pay We will also pay these costs,in addition to other amounts payable under this insurance,as part of any claim, proceeding or suit we defend: 1.Reasonable expenses incurred at our request,but not loss of earnings; 2.Premiums for bonds to release attachments and for appeal bonds in bond amounts up to the limit of our liability under this insurance; 3.Litigation costs taxed against you; 4.Interest on a judgment as required by law until we offer the amount due under this insurance; and 5.Expenses we incur. F.Other Insurance We will not pay more than our share of damages and costs covered by this insurance and other insurance or self-insurance.Subject to any limits of liability that apply,all shares will be equal until the loss is paid.If any insurance or self-insurance is exhausted,the shares of all remaining insurance and self-insurance will be equal until the loss is paid. G.Limits of Liability Our liability to pay for damages is limited.Our limits of liability are shown in Item 3.B.of the Information Page. They apply as explained below. 1.Bodily Injury by Accident.The limit shown for ''bodily injury by accident each accident''is the most we will pay for all damages covered by this insurance because of bodily injury to one or more employees in any one accident. A disease is not bodily injury by accident unless it results directly from bodily injury by accident. 2.Bodily Injury by Disease.The limit shown for ''bodily injury by disease policy limit''is the most we will pay for all damages covered by this insurance and arising out of bodily injury by disease,regardless of the number of employees who sustain bodily injury by disease.The limit shown for ''bodily injury by disease each employee''is the most we will pay for all damages because of bodily injury by disease to any one employee. Bodily injury by disease does not include disease that results directly from a bodily injury by accident. 3.We will not pay any claims for damages after we have paid the applicable limit of our liability under this insurance. H.Recovery From Others We have your rights to recover our payment from anyone liable for an injury covered by this insurance. You will do everything necessary to protect those rights for us and to help us enforce them. I.Actions Against Us There will be no right of action against us under this insurance unless: 1.You have complied with all the terms of this policy; and 2.The amount you owe has been determined with our consent or by actual trial and final judgment. This insurance does not give anyone the right to add us as a defendant in an action against you to determine your liability.The bankruptcy or insolvency of you or your estate will not relieve us of our obligations under this Part. PART THREE - OTHER STATES INSURANCE A.How This Insurance Applies 1.This other states insurance applies only if one or more states are shown in Item 3.C.of the Information Page. 2.If you begin work in any one of those states after the effective date of this policy and are not insured or are not self-insured for such work,all provisions of the policy will apply as though that state were listed in Item 3.A. of the Information Page. 3.We will reimburse you for the benefits required by the workers compensation law of that state if we are not permitted to pay the benefits directly to persons entitled to them. 4.If you have work on the effective date of this policy in any state not listed in Item 3.A. of the Form WC 00 00 00 C Printed in U.S.A.Page 5 of 6 Information Page,coverage will not be afforded for that state unless we are notified within thirty days. B.Notice Tell us at once if you begin work in any state listed in Item 3.C. of the Information Page. PART FOUR - YOUR DUTIES IF INJURY OCCURS Tell us at once if injury occurs that may be covered by this policy.Your other duties are listed here. 1.Provide for immediate medical and other services required by the workers compensation law. 2.Give us or our agent the names and addresses of the injured persons and of witnesses,and other information we may need. 3.Promptly give us all notices,demands and legal papers related to the injury,claim,proceeding or suit. 4.Cooperate with us and assist us,as we may request,in the investigation,settlement or defense of any claim, proceeding or suit. 5.Do nothing after an injury occurs that would interfere with our right to recover from others. 6.Do not voluntarily make payments,assume obligations or incur expenses,except at your own cost. PART FIVE - PREMIUM A.Our Manuals All premium for this policy will be determined by our manuals of rules,rates,rating plans and classifications.We may change our manuals and apply the changes to this policy if authorized by law or a governmental agency regulating this insurance. B.Classifications Item 4 of the Information Page shows the rate and premium basis for certain business or work classifications.These classifications were assigned based on an estimate of the exposures you would have during the policy period.If your actual exposures are not properly described by those classifications,we will assign proper classifications, rates and premium basis by endorsement to this policy. C.Remuneration Premium for each work classification is determined by multiplying a rate times a premium basis. Remuneration is the most common premium basis. This premium basis includes payroll and all other remuneration paid or payable during the policy period for the services of: 1.All your officers and employees engaged in work covered by this policy; and 2.all other persons engaged in work that could make us liable under Part One (Workers Compensation Insurance)of this policy.If you do not have payroll records for these persons,the contract price for their services and materials may be used as the premium basis.This paragraph 2 will not apply if you give us proof that the employers of these persons lawfully secured their workers compensation obligations. D.Premium Payments You will pay all premium when due.You will pay the premium even if part or all of a workers compensation law is not valid. E.Final Premium The premium shown on the Information Page, schedules,and endorsements is an estimate.The final premium will be determined after this policy ends by using the actual,not the estimated,premium basis and the proper classifications and rates that lawfully apply to the business and work covered by this policy.If the final premium is more than the premium you paid to us,you must pay us the balance.If it is less,we will refund the balance to you.The final premium will not be less than the highest minimum premium for the classifications covered by this policy. Form WC 00 00 00 C Printed in U.S.A.Page 6 of 6 If this policy is cancelled,final premium will be determined in the following way unless our manuals provide otherwise: 1.If we cancel,final premium will be calculated pro rata based on the time this policy was in force. Final premium will not be less than the pro rata share of the minimum premium. 2.If you cancel,final premium will be more than pro rata;it will be based on the time this policy was in force,and increased by our short rate cancellation table and procedure.Final premium will not be less than the minimum premium. F.Records You will keep records of information needed to compute premium.You will provide us with copies of those records when we ask for them. G.Audit You will let us examine and audit all your records that relate to this policy.These records include ledgers, journals,registers,vouchers,contracts,tax reports, payroll and disbursement records,and programs for storing and retrieving data.We may conduct the audits during regular business hours during the policy period and within three years after the policy period ends.Information developed by audit will be used to determine final premium.Insurance rate service organizations have the same rights we have under this provision. PART SIX - CONDITIONS A.Inspection We have the right,but are not obligated to inspect your workplaces at any time.Our inspections are not safety inspections.They relate only to the insurability of the workplaces and the premiums to be charged. We may give you reports on the conditions we find. We may also recommend changes.While they may help reduce losses,we do not undertake to perform the duty of any person to provide for the health or safety of your employees or the public.We do not warrant that your workplaces are safe or healthful or that they comply with laws,regulations,codes or standards.Insurance rate service organizations have the same rights we have under this provision. B.Long Term Policy If the policy period is longer than one year and sixteen days,all provisions of this policy will apply as though a new policy were issued on each annual anniversary that this policy is in force. C.Transfer of Your Rights and Duties Your rights or duties under this policy may not be transferred without our written consent. If you die and we receive notice within thirty days after your death,we will cover your legal representative as insured. D.Cancellation 1.You may cancel this policy.You must mail or deliver advance written notice to us stating when the cancellation is to take effect. 2.We may cancel this policy.We must mail or deliver to you not less than ten days advance written notice stating when the cancellation is to take effect.Mailing that notice to you at your mailing address shown in Item 1 of the Information Page will be sufficient to prove notice. 3.The policy period will end on the day and hour stated in the cancellation notice. 4.Any of these provisions that conflict with a law that controls the cancellation of the insurance in this policy is changed by this statement to comply with that law. E.Sole Representative The insured first named in Item 1 of the Information Page will act on behalf of all insureds to change this policy,receive return premium,and give or receive notice of cancellation. Form PN 04 99 02 B (Ed. 5-02)Printed in U.S.A.Page 1 of 2 POLICYHOLDER NOTICE CALIFORNIA WORKERS' COMPENSATION INSURANCE RATING LAWS Pursuant to Section 11752.8 of the California Insurance Code,we are providing you with an explanation of the California workers' compensation rating laws. 1.We establish our own rates for workers’ compensation.Our rates,rating plans,and related information are filed with the insurance commissioner and are open for public inspection. 2.The insurance commissioner can disapprove our rates,rating plans,or classifications only if he or she has determined after public hearing that our rates might jeopardize our ability to pay claims or create a monopoly in the market.A monopoly is defined by law as a market where one insurer writes 20%or more of that part of the California workers' compensation insurance that is not written by the State Compensation Insurance Fund.If the insurance commissioner disapproves our rates, rating plans,or classifications,he or she may order an increase in the rates applicable to outstanding policies. 3.Rating organizations may develop pure premium rates that are subject to the insurance commissioner's approval.A pure premium rate reflects the anticipated cost and expenses of claims per $100 of payroll for a given classification.Pure premium rates are advisory only,as we are not required to use the pure premium rates developed by any rating organization in establishing our own rates. 4.We must adhere to a single,uniform experience rating plan.If you are eligible for experience rating under the plan, we will be required to adjust your premium to reflect your claim history.A better claim history generally results in a lower experience rating modification;more claims,or more expensive claims,generally result in a higher experience rating modification.The uniform experience rating plan, which is developed by the insurance rating organization designated by the insurance commissioner,is subject to approval by the insurance commissioner. 5.A standard classification system,developed by the insurance rating organization designated by the insurance commissioner,is subject to approval by the insurance commissioner.The standard classification system is a method of recognizing and separating policyholders into industry or occupational groups according to their similarities and/or differences.We can adopt and apply the standard classification system or develop and apply our own classification system,provided we can report the payroll,expenses,and other costs of claims in a way that is consistent with the uniform statistical plan or the standard classification system. 6.Our rates and classifications may not violate the Unruh Civil Rights Act or be unfairly discriminatory. 7.We will provide an appeal process for you to appeal the way we rate your insurance policy.The process requires us to respond to your written appeal within 30 days.If you are not satisfied with the result of your appeal,you may appeal our decision to the insurance commissioner. Form PN 04 99 02 B (Ed. 5-02)Printed in U.S.A.Page 2 of 2 CALIFORNIA WORKERS’ COMPENSATION INSURANCE NOTICE OF NONRENEWAL Section 11664 of the California Insurance Code requires us,in most instances,to provide you with a notice of nonrenewal.Except as specified in paragraphs 1 through 6 below,if we elect to nonrenew your policy,we are required to deliver or mail to you a written notice stating the reason or reasons for the nonrenewal of the policy.The notice is required to be sent to you no earlier than 120 days before the end of the policy period and no later than 30 days before the end of the policy period.If we fail to provide you the required notice,we are required to continue the coverage under the policy with no change in the premium rate until 60 days after we provide you with the required notice. We are not required to provide you with a notice of nonrenewal in any of the following situations: 1.Your policy was transferred or renewed without a change in its terms or conditions or the rate on which the premium is based to another insurer or other insurers who are members of the same insurance group as us. 2.The policy was extended for 90 days or less and the required notice was given prior to the extension. 3.You obtained replacement coverage or agreed,in writing,within 60 days of the termination of the policy, to obtain that coverage. 4.The policy is for a period of no more than 60 days and you were notified at the time of issuance that it may not be renewed. 5.You requested a change in the terms or conditions or risks covered by the policy within 60 days prior to the end of the policy period. 6.We made a written offer to you to renew the policy at a premium rate increase of less than 25 percent. (A)If the premium rate in your governing classification is to be increased 25 percent or greater and we intend to renew the policy,we shall provide a written notice of a renewal offer not less than 30 days prior to the policy renewal date.The governing classification shall be determined by the rules and regulations established in accordance with California Insurance Code 11750.3(c). (B)For purposes of this Notice,“premium rate” means the cost of insurance per unit of exposure prior to the application of individual risk variations based on loss or expense considerations such as scheduled rating and experience rating. This notice does not change the policy to which it is attached. Form G-4119-0 Printed in U.S.A. © 2017, The Hartford POLICY HOLDER NOTICE - PAYROLL BILLING Thank you for choosing The Hartford.Your policy is on our payroll billing method.The payroll billing method uses actual payrolls received throughout the policy period and a blended rate(s)to determine premiums due during the policy period. To learn more about how your premium is calculated on the payroll billing method please visit: https://www.thehartford.com/blended Below are the blended rate(s) being used for each state and classification code on your policy: State Class Code Blended Rate Effective 1: 1313 N MILPITAS BLVD STE 161, MILPITAS, CA 5140 2 09/07/2024 Form PN 04 99 01 I (02/22)Printed in U.S.A.Page 1 of 3 Process Date: 07/29/24 Policy Expiration Date:09/07/25 POLICYHOLDER NOTICE YOUR RIGHT TO RATING AND DIVIDEND INFORMATION I.Information Available to You A.Information Available from Us -Hartford Casualty Insurance Company (1)General questions regarding your policy should be directed to your Hartford Agent or Hartford Casualty Insurance Company 3600 Wiseman Blvd San Antonio, TX 78251 Telephone:(866) 225-7966 agency.services@thehartford.com www.thehartford.com (2)Dividend Calculation.If this is a participating policy (a policy on which a dividend may be paid),upon payment or non-payment of a dividend,we shall provide a written explanation to you that sets forth the basis of the dividend calculation.The explanation will be in clear,understandable language and will express the dividend as a dollar amount and as a percentage of the earned premium for the policy year on which the dividend is calculated. (3)Claims Information.Pursuant to Sections 3761 and 3762 of the California Labor Code,you are entitled to receive information in our claim files that affects your premium.Copies of documents will be supplied at your expense during reasonable business hours. For claims covered under this policy,we will estimate the ultimate cost of unsettled claims for statistical purposes eighteen months after the policy becomes effective and will report those estimates to the Workers'Compensation Insurance Rating Bureau of California (WCIRB)no later than twenty months after the policy becomes effective.The cost of any settled claims will also be reported at that time.At twelve- month intervals thereafter,we will update and report to the WCIRB the estimated cost of any unsettled claims and the actual final cost of any claims settled in the interim.The amounts we report will be used by the WCIRB to compute your experience modification if you are eligible for experience rating. B.Information Available from the Workers' Compensation Insurance Rating Bureau of California (1)The WCIRB is a licensed rating organization and the California Insurance Commissioner's designated statistical agent.As such,the WCIRB is responsible for administering the California Workers' Compensation Uniform Statistical Reporting Plan—1995 (USRP)and the California Workers' Compensation Experience Rating Plan—1995 (ERP).WCIRB contact information is:WCIRB,1901 Harrison Street,17th Floor,Oakland,CA 94612,Attn:Customer Service;888.229.2472 (phone); 415.778.7272 (fax);and customerservice@wcirb.com (email).The regulations contained in the USRP and ERP are available for public viewing through the WCIRB's website at wcirb.com. (2)Policyholder Information.Pursuant to California Insurance Code (CIC)Section 11752.6,upon written request,you are entitled to information relating to loss experience,claims,classification assignments,and policy contracts as well as rating plans,rating systems,manual rules,or other information impacting your premium that is maintained in the records of the WCIRB.Complaints and Requests for Action requesting policyholder information should be forwarded to:WCIRB,1901 Harrison Street,17th Floor,Oakland,CA 94612,Attn:Custodian of Records.The Custodian of Records can be reached at 415.777.0777 (phone) and 415.778.7272 (fax). Form PN 04 99 01 I (02/22)Printed in U.S.A.Page 2 of 3 (3)Experience Rating Form.Each experience rated risk may receive a single copy of its current Experience Rating Form/Worksheet free of charge by completing a Policyholder Experience Rating Worksheet Request Form on the WCIRB's website at wcirb.com/ratesheet.The Experience Rating Form/Worksheet will include a Loss-Free Rating,which is the experience modification that would have been calculated if $0 (zero)actual losses were incurred during the experience period.This hypothetical rating calculation is provided for informational purposes only. II.Dispute Process You may dispute our actions or the actions of the WCIRB pursuant to CIC Sections 11737 and 11753.1. A.Our Dispute Resolution Process. You may send us a written Complaint and Request for Action requesting that we reconsider a change in a classification assignment that results in an increased premium and/or requesting that we review the manner in which our rating system has been applied in connection with the insurance afforded or offered you.Written Complaints and Requests for Action should be forwarded to: Hartford Casualty Insurance Company One Pointe Drive, Suite 200, Brea, CA 92821; Telephone (800) 451-6944; Fax (860) 723-4289. After you send your Complaint and Request for Action,we have 30 days to send you a written notice indicating whether your written request will be reviewed.If we agree to review your request,we must conduct the review and issue a decision granting or rejecting your request within 60 days after sending you the written notice granting review.If we decline to review your request,if you are dissatisfied with the decision upon review,or if we fail to grant or reject your request or issue a decision upon review,you may appeal to the Insurance Commissioner as described in paragraph II.C., below. B.Disputing the Actions of the WCIRB.If you have been aggrieved by any decision,action,or omission to act of the WCIRB,you may request,in writing,that the WCIRB reconsider its decision,action,or omission to act. You may also request,in writing,that the WCIRB review the manner in which its rating system has been applied in connection with the insurance afforded or offered you.For requests related to classification disputes,the reporting of experience,or coverage issues,your initial request for review must be received by the WCIRB within 12 months after the expiration date of the policy to which the request for review pertains, except if the request involves the application of the Revision of Losses rule.For requests related to your experience modification,your initial request for review must be received by the WCIRB within 6 months after the issuance,or 12 months after the expiration date,of the experience modification to which the request for review pertains,whichever is later,except if the request for review involves the application of the Revision of Losses rule.If the request involves the Revision of Losses rule,the time to state your appeal may be longer. (See Section VI, Rule 7 of the ERP). You may commence the review process by sending the WCIRB a written Inquiry.Written Inquiries should be sent to:WCIRB,1901 Harrison Street,17th Floor,Oakland,CA 94612,Attn:Customer Service. Customer Service can be reached at 888.229.2472 (phone),415.778.7272 (fax)and customerservice@wcirb.com (email). If you are dissatisfied with the WCIRB's decision upon an Inquiry,or if the WCIRB fails to respond within 90 days after receipt of the Inquiry,you may pursue the subject of the Inquiry by sending the WCIRB a written Complaint and Request for Action.After you send your Complaint and Request for Action,the WCIRB has 30 days to send you written notice indicating whether your written request will be reviewed.If the WCIRB agrees to review your request,it must conduct the review and issue a decision granting or rejecting your request within 60 days after sending you the written notice granting review.If the WCIRB declines to review your request,if you are dissatisfied with the decision upon review,or if the WCIRB fails to grant or reject your request or issue a decision upon review,you may appeal to the Insurance Commissioner as described in paragraph II.C.,below.Written Complaints and Requests for Action should be forwarded to:WCIRB,1901 Harrison Street,17th Floor,Oakland,CA 94612,Attn:Complaints and Reconsideration.The WCIRB's contact information is 888.229.2472 (phone),415.371.5204 (fax)and customerservice@wcirb.com (email). Form PN 04 99 01 I (02/22)Printed in U.S.A.Page 3 of 3 C.California Department of Insurance –Appeals to the Insurance Commissioner.After you follow the appropriate dispute resolution process described above,if (1)we or the WCIRB decline to review your request,(2)you are dissatisfied with the decision upon review,or (3)we or the WCIRB fail to grant or reject your request or issue a decision upon review,you may appeal to the Insurance Commissioner pursuant to CIC Sections 11737,11752.6,11753.1 and Title 10,California Code of Regulations,Section 2509.40 et seq. You must file your appeal within 30 days after we or the WCIRB send you the notice rejecting review of your Complaint and Request for Action or the decision upon your Complaint and Request for Action.If no written decision regarding your Complaint and Request for Action is sent,your appeal must be filed within 120 days after you sent your Complaint and Request for Action to us or to the WCIRB.The filing address for all appeals to the Insurance Commissioner is: Administrative Hearing Bureau California Department of Insurance 1901 Harrison Street, 3rd Floor Mailroom Oakland, CA 94612 415.538.4243 You have the right to a hearing before the Insurance Commissioner,and our action,or the action of the WCIRB, may be affirmed, modified or reversed. III.Resources Available to You in Obtaining Information and Pursuing Disputes A.Policyholder Ombudsman.Pursuant to California Insurance Code Section 11752.6,a policyholder ombudsman is available at the WCIRB to assist you in obtaining and evaluating the rating,policy,and claims information referenced in I.A.and I.B.,above.The ombudsman may advise you on any dispute with us,the WCIRB,or on an appeal to the Insurance Commissioner pursuant to Section 11737 of the Insurance Code. The address of the policyholder ombudsman is WCIRB,1901 Harrison Street,17th Floor,Oakland,CA 94612, Attn:Policyholder Ombudsman.The policyholder ombudsman can be reached at 415.778.7159 (phone), 415.371.5288 (fax) and ombudsman@wcirb.com (email). B.California Department of Insurance -Information and Assistance.Information and assistance on policy questions can be obtained from the Department of Insurance Consumer HOTLINE,800.927.HELP (4357)or insurance.ca.gov.For questions and correspondence regarding appeals to the Administrative Hearing Bureau, see the contact information in paragraph II.C. This notice does not change the policy to which it is attached. THIS ENDORSEMENT CHANGES THE POLICY.PLEASE READ IT CAREFULLY. Countersigned by Authorized Representative Form WC 00 04 06 Printed in U.S.A. Process Date:07/29/24 Policy Expiration Date:09/07/25 PREMIUM DISCOUNT ENDORSEMENT Policy Number:76 WEG AH5THK Endorsement Number: Effective Date:09/07/24 Effective hour is the same as stated on the Information Page of the policy. Named Insured and Address:4 POINT POWER INC 1313 N MILPITAS BLVD STE 161 MILPITAS CA 95035 The premium for this policy and the policies,if any,listed in Item 3 of the Schedule may be eligible for a discount.This endorsement shows your estimated discount in Item 1 or 2 of the Schedule.The final calculation of premium discount will be determined by our manuals and your premium basis as determined by audit.Premium subject to retrospective rating is not subject to premium discount. SCHEDULE 1.Table of States California or any other State that has approved the premium discount plan applicable to the total policy premium on an interstate basis at the effective date of the policy. 2.Average percentage discount: 1.30 % 3.Other policies: 4.If there are no entries in Items 1,2 and 3 of the Schedule,see the Premium Discount Endorsement attached to your policy number: THIS ENDORSEMENT CHANGES THE POLICY.PLEASE READ IT CAREFULLY. Form WC 04 03 01 BB Printed in U.S.A.Page 1 of 2 Process Date:07/29/24 Policy Expiration Date:09/07/25 POLICY AMENDATORY ENDORSEMENT - CALIFORNIA Policy Number:76 WEG AH5THK Endorsement Number: Effective Date:09/07/24 Effective hour is the same as stated on the Information Page of the policy. Named Insured and Address:4 POINT POWER INC 1313 N MILPITAS BLVD STE 161 MILPITAS CA 95035 It is agreed that,anything in the policy to the contrary notwithstanding,such insurance as is afforded by this policy by reason of the designation of California in Item 3 of the Information Page is subject to the following provisions: 1.Minors Illegally Employed -Not Insured.This policy does not cover liability for additional compensation imposed on you under Section 4557, Division IV,Labor Code of the State of California, by reason of injury to an employee under sixteen years of age and illegally employed at the time of injury. 2.Punitive or Exemplary Damages -Uninsurable. This policy does not cover punitive or exemplary damages where insurance of liability therefor is prohibited by law or contrary to public policy. 3.Increase in Indemnity Payment - Reimbursement.You are obligated to reimburse us for the amount of increase in indemnity payments made pursuant to Subdivision (d)of Section 4650 of the California Labor Code,if the late indemnity payment which gives rise to the increase in the amount of payment is due less than seven (7)days after we receive the completed claim form from you.You are obligated to reimburse us for any increase in indemnity payments not covered under this policy and will reimburse us for any increase in indemnity payment not covered under the policy when the aggregate total amount of the reimbursement payments paid in a policy year exceeds one hundred dollars ($100). If we notify you in writing,within 30 days of the payment,that you are obligated to reimburse us,we will bill you for the amount of increase in indemnity payment and collect it no later than the final audit. You will have 60 days,following notice of the obligation to reimburse,to appeal the decision of the insurer to the Department of Insurance. 4.Application of Policy.Part One,"Workers Compensation Insurance",A,"How This Insurance Applies", is amended to read as follows: This workers compensation insurance applies to bodily injury by accident or disease,including death resulting therefrom.Bodily injury by accident must occur during the policy period.Bodily injury by disease must be caused or aggravated by the conditions of your employment.Your employee's exposure to those conditions causing or aggravating such bodily injury by disease must occur during the policy period. 5.Rate Changes.The premium and rates with respect to the insurance provided by this policy by reason of the designation of California in Form WC 04 03 01 BB Printed in U.S.A.Page 2 of 2 Item 3 of the Information Page are subject to change if ordered by the Insurance Commissioner of the State of California pursuant to Section 11737 of the California Insurance Code. 6.Long Term Policy.If this policy is written for a period longer than one year,all the provisions of this policy shall apply separately to each consecutive twelve-month period or,if the first or last consecutive period is less than twelve months, to such period of less than twelve months,in the same manner as if a separate policy had been written for each consecutive period. 7.Statutory Provision.Your employee has a first lien upon any amount which becomes owing to you by us on account of this policy,and in the case of your legal incapacity or inability to receive the money and pay it to the claimant,we will pay it directly to the claimant. 8.Part Five,"Premium",E,"Final Premium",is amended to read as follows: The premium shown on the Information Page, schedules,and endorsements is an estimate.The final premium will be determined after this policy ends by using the actual,not the estimated, premium basis and the proper classifications and rates that lawfully apply to the business and work covered by this policy.If the final premium is more than the premium you paid to us,you must pay us the balance.If it is less,we will refund the balance to you.The final premium will not be less than the highest minimum premium for the classifications covered by this policy. If this policy is canceled,final premium will be determined in the following way unless our manuals provide otherwise: a.If we cancel,final premium will be calculated pro rata based on the time this policy was in force. Final premium will not be less than the pro rata share of the minimum premium. b.If you cancel,final premium may be more than pro rata;it will be based on the time this policy was in force,and may be increased by our short-rate cancelation table and procedure. Final premium will not be less than the pro rata share of the minimum premium. It is further agreed that this policy,including all endorsements forming a part thereof,constitutes the entire contract of insurance.No condition,provision, agreement,or understanding not set forth in this policy or such endorsements shall affect such contract or any rights, duties, or privileges arising therefrom. THIS ENDORSEMENT CHANGES THE POLICY.PLEASE READ IT CAREFULLY. Form WC 04 03 03 C (07/18)Printed in U.S.A.Page 1 of 2 Process Date:07/29/24 Policy Expiration Date:09/07/25 ENDORSEMENT AGREEMENT LIMITING AND RESTRICTING THIS INSURANCE OFFICERS AND DIRECTORS COVERAGE / EXCLUSION - CALIFORNIA Policy Number:76 WEG AH5THK Endorsement Number: Effective Date:09/07/24 Effective hour is the same as stated on the Information Page of the policy. Named Insured and Address:4 POINT POWER INC 1313 N MILPITAS BLVD STE 161 MILPITAS CA 95035 Name of California Insurer:Hartford Casualty Insurance Company If the employer named in Item 1 of the Information Page is a quasi-public or private corporation,this policy applies to all officers and members of boards of directors while rendering actual service for the corporation for pay,as employees, except those excluded below who 1.individually own at least 10 percent of the corporation's issued and outstanding stock, or 2.individually own at least 1 percent of the corporation's issued and outstanding stock if that officer's or member's parent,grandparent,sibling,spouse,or child owns at least 10 percent of the corporation's issued and outstanding stock and that officer or member is covered by a health insurance policy or a health care service plan, or 3.are officers or members of the board of directors of a cooperative corporation organized pursuant to the Cooperative Corporation Law (Corporations Code,Sections 12200 -12704)who state that he or she is covered by both a health care service plan or health insurance policy,and a disability insurance policy that is comparable in scope and coverage, as determined by the Insurance Commissioner, to a workers' compensation policy. If the employer named in Item 1 of the Information Page is a private corporation,or a private cooperative corporation organized pursuant to the Cooperative Corporation Law,this policy applies to an officer or director who is the sole shareholder of the corporation, as an employee, except if excluded below. The insurance under this policy is limited as follows:It is AGREED that,anything in this policy to the contrary notwithstanding, this policy DOES NOT INSURE: Officers, Directors and Trustees Excluded Title Louis Herrera Officer Paula Herrera Officer Form WC 04 03 03 C (07/18)Printed in U.S.A.Page 2 of 2 Nothing in this endorsement shall be held to vary,alter,waive or extend any of the terms,conditions,agreements,or limitations of this policy other than as above stated.Nothing elsewhere in this policy shall be held to vary,alter,waive or limit the terms, conditions, agreements or limitations in this endorsement. It is further agreed that "remuneration"when used as a premium basis for such insurance as is afforded by this policy shall not include the remuneration of any person excluded from coverage in accordance with the foregoing. FAILURE TO SECURE THE PAYMENT OF FULL COMPENSATION BENEFITS FOR ALL EMPLOYEES AS REQUIRED BY LABOR CODE SECTION 3700 IS A VIOLATION OF LAW AND MAY SUBJECT THE EMPLOYER TO THE IMPOSITION OF A WORK STOP ORDER,LARGE FINES,AND OTHER SUBSTANTIAL PENALTIES (Labor Code Section 3710.1, et seq.). THIS ENDORSEMENT CHANGES THE POLICY.PLEASE READ IT CAREFULLY. Countersigned by Authorized Representative Form WC 04 03 06 (1) Printed in U.S.A. Process Date:07/29/24 Policy Expiration Date:09/07/25 WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT - CALIFORNIA Policy Number:76 WEG AH5THK Endorsement Number: Effective Date:09/07/24 Effective hour is the same as stated on the Information Page of the policy. Named Insured and Address:4 POINT POWER INC 1313 N MILPITAS BLVD STE 161 MILPITAS CA 95035 We have the right to recover our payments from anyone liable for an injury covered by this policy.We will not enforce our right against the person or organization named in the Schedule.(This agreement applies only to the extent that you perform work under a written contract that requires you to obtain this agreement from us.) You must maintain payroll records accurately segregating the remuneration of your employees while engaged in the work described in the Schedule. The additional premium for this endorsement shall be 2 %of the California workers'compensation premium otherwise due on such remuneration. SCHEDULE Person or Organization Job Description Any person or organization for whom you are required by written contract or agreement to obtain this waiver of rights from us THIS ENDORSEMENT CHANGES THE POLICY.PLEASE READ IT CAREFULLY. Countersigned by Authorized Representative Form WC 04 03 06 (1) Printed in U.S.A. Process Date:07/29/24 Policy Expiration Date:09/07/25 WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT - CALIFORNIA Policy Number:76 WEG AH5THK Endorsement Number: Effective Date:09/07/24 Effective hour is the same as stated on the Information Page of the policy. Named Insured and Address:4 POINT POWER INC 1313 N MILPITAS BLVD STE 161 MILPITAS CA 95035 We have the right to recover our payments from anyone liable for an injury covered by this policy.We will not enforce our right against the person or organization named in the Schedule.(This agreement applies only to the extent that you perform work under a written contract that requires you to obtain this agreement from us.) You must maintain payroll records accurately segregating the remuneration of your employees while engaged in the work described in the Schedule. The additional premium for this endorsement shall be %of the California workers'compensation premium otherwise due on such remuneration. SCHEDULE Person or Organization Job Description R.C. Bensos & Sons, Inc. General Contractors, 1959 Leghorn St. , Suite Suite A, Mountain View, CA, 95035 THIS ENDORSEMENT CHANGES THE POLICY.PLEASE READ IT CAREFULLY. Countersigned by Authorized Representative Form WC 04 03 06 (1) Printed in U.S.A. Process Date:07/29/24 Policy Expiration Date:09/07/25 WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT - CALIFORNIA Policy Number:76 WEG AH5THK Endorsement Number: Effective Date:09/07/24 Effective hour is the same as stated on the Information Page of the policy. Named Insured and Address:4 POINT POWER INC 1313 N MILPITAS BLVD STE 161 MILPITAS CA 95035 We have the right to recover our payments from anyone liable for an injury covered by this policy.We will not enforce our right against the person or organization named in the Schedule.(This agreement applies only to the extent that you perform work under a written contract that requires you to obtain this agreement from us.) You must maintain payroll records accurately segregating the remuneration of your employees while engaged in the work described in the Schedule. The additional premium for this endorsement shall be %of the California workers'compensation premium otherwise due on such remuneration. SCHEDULE Person or Organization Job Description Chandler Signs LLC 14201 SOVEREIGN RD, FORT WORTH, TX 76155 THIS ENDORSEMENT CHANGES THE POLICY.PLEASE READ IT CAREFULLY. Countersigned by Authorized Representative Form WC 04 03 06 (1) Printed in U.S.A. Process Date:07/29/24 Policy Expiration Date:09/07/25 WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT - CALIFORNIA Policy Number:76 WEG AH5THK Endorsement Number: Effective Date:09/07/24 Effective hour is the same as stated on the Information Page of the policy. Named Insured and Address:4 POINT POWER INC 1313 N MILPITAS BLVD STE 161 MILPITAS CA 95035 We have the right to recover our payments from anyone liable for an injury covered by this policy.We will not enforce our right against the person or organization named in the Schedule.(This agreement applies only to the extent that you perform work under a written contract that requires you to obtain this agreement from us.) You must maintain payroll records accurately segregating the remuneration of your employees while engaged in the work described in the Schedule. The additional premium for this endorsement shall be %of the California workers'compensation premium otherwise due on such remuneration. SCHEDULE Person or Organization Job Description City of Cupertino 10300 TORRE AVE CUPERTINO CA 95014-3202 THIS ENDORSEMENT CHANGES THE POLICY.PLEASE READ IT CAREFULLY. Countersigned by Authorized Representative Form WC 04 03 06 (1) Printed in U.S.A. Process Date:07/29/24 Policy Expiration Date:09/07/25 WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT - CALIFORNIA Policy Number:76 WEG AH5THK Endorsement Number: Effective Date:09/07/24 Effective hour is the same as stated on the Information Page of the policy. Named Insured and Address:4 POINT POWER INC 1313 N MILPITAS BLVD STE 161 MILPITAS CA 95035 We have the right to recover our payments from anyone liable for an injury covered by this policy.We will not enforce our right against the person or organization named in the Schedule.(This agreement applies only to the extent that you perform work under a written contract that requires you to obtain this agreement from us.) You must maintain payroll records accurately segregating the remuneration of your employees while engaged in the work described in the Schedule. The additional premium for this endorsement shall be %of the California workers'compensation premium otherwise due on such remuneration. SCHEDULE Person or Organization Job Description San Jose Evergreen Community College District, its trustees, officers, agents, employees, and volunteers, individually and collectively, 40 S MARKET ST SAN JOSE, CA 95113 THIS ENDORSEMENT CHANGES THE POLICY.PLEASE READ IT CAREFULLY. Countersigned by Authorized Representative Form WC 04 03 06 (1) Printed in U.S.A. Process Date:07/29/24 Policy Expiration Date:09/07/25 WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT - CALIFORNIA Policy Number:76 WEG AH5THK Endorsement Number: Effective Date:09/07/24 Effective hour is the same as stated on the Information Page of the policy. Named Insured and Address:4 POINT POWER INC 1313 N MILPITAS BLVD STE 161 MILPITAS CA 95035 We have the right to recover our payments from anyone liable for an injury covered by this policy.We will not enforce our right against the person or organization named in the Schedule.(This agreement applies only to the extent that you perform work under a written contract that requires you to obtain this agreement from us.) You must maintain payroll records accurately segregating the remuneration of your employees while engaged in the work described in the Schedule. The additional premium for this endorsement shall be %of the California workers'compensation premium otherwise due on such remuneration. SCHEDULE Person or Organization Job Description Mcquire and Hester 2810 Harbor Bay Parkway Alameda CA 94502 THIS ENDORSEMENT CHANGES THE POLICY.PLEASE READ IT CAREFULLY. Countersigned by Authorized Representative Form WC 04 03 06 (1) Printed in U.S.A. Process Date:07/29/24 Policy Expiration Date:09/07/25 WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT - CALIFORNIA Policy Number:76 WEG AH5THK Endorsement Number: Effective Date:09/07/24 Effective hour is the same as stated on the Information Page of the policy. Named Insured and Address:4 POINT POWER INC 1313 N MILPITAS BLVD STE 161 MILPITAS CA 95035 We have the right to recover our payments from anyone liable for an injury covered by this policy.We will not enforce our right against the person or organization named in the Schedule.(This agreement applies only to the extent that you perform work under a written contract that requires you to obtain this agreement from us.) You must maintain payroll records accurately segregating the remuneration of your employees while engaged in the work described in the Schedule. The additional premium for this endorsement shall be %of the California workers'compensation premium otherwise due on such remuneration. SCHEDULE Person or Organization Job Description Calstate Construction, Inc. 4165 Business Center Dr, Freemont, CA 94538 THIS ENDORSEMENT CHANGES THE POLICY.PLEASE READ IT CAREFULLY. Countersigned by Authorized Representative Form WC 04 03 06 (1) Printed in U.S.A. Process Date:07/29/24 Policy Expiration Date:09/07/25 WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT - CALIFORNIA Policy Number:76 WEG AH5THK Endorsement Number: Effective Date:09/07/24 Effective hour is the same as stated on the Information Page of the policy. Named Insured and Address:4 POINT POWER INC 1313 N MILPITAS BLVD STE 161 MILPITAS CA 95035 We have the right to recover our payments from anyone liable for an injury covered by this policy.We will not enforce our right against the person or organization named in the Schedule.(This agreement applies only to the extent that you perform work under a written contract that requires you to obtain this agreement from us.) You must maintain payroll records accurately segregating the remuneration of your employees while engaged in the work described in the Schedule. The additional premium for this endorsement shall be %of the California workers'compensation premium otherwise due on such remuneration. SCHEDULE Person or Organization Job Description Kent Construction 8505 Church St Ste 12, Gilroy, CA 95020 THIS ENDORSEMENT CHANGES THE POLICY.PLEASE READ IT CAREFULLY. Countersigned by Authorized Representative Form WC 04 03 60 B Printed in U.S.A. Process Date:07/29/24 Policy Expiration Date:09/07/25 EMPLOYERS' LIABILITY COVERAGE AMENDATORY ENDORSEMENT - CALIFORNIA Policy Number:76 WEG AH5THK Endorsement Number: Effective Date:09/07/24 Effective hour is the same as stated on the Information Page of the policy. Named Insured and Address:4 POINT POWER INC 1313 N MILPITAS BLVD STE 161 MILPITAS CA 95035 The insurance afforded by Part Two (Employers'Liability Insurance)by reason of designation of California in Item 3 of the Information Page is subject to the following provisions: A.“How This Insurance Applies,”is amended to read as follows: A.How This Insurance Applies This employers'liability insurance applies to bodily injury by accident or bodily injury by disease. Bodily injury means a physical injury,including resulting death. 1.The bodily injury must arise out of and in the course of the injured employee's employment by you. 2.The employment must be necessary or incidental to your work in California. 3.Bodily injury by accident must occur during the policy period. 4.Bodily injury by disease must be caused or aggravated by the conditions of your employment.The employee's last day of last exposure to the conditions causing or aggravating such bodily injury by disease must occur during the policy period. 5.If you are sued,the original suit and any related legal actions for damages for bodily injury by accident or by disease must be brought in the United States of America,its territories or possessions, or Canada. C.The “Exclusions”section is modified as follows (all other exclusions in the “Exclusions”section remain as is): 1.Exclusion 1 is amended to read as follows: 1.liability assumed under a contract. 2.Exclusion 2 is deleted. 3.Exclusion 7 is amended to read as follows: 7.damages arising out of coercion,criticism, demotion,evaluation,reassignment, discipline,defamation,harassment, humiliation,discrimination against or termination of any employee,termination of employment,or any personnel practices, policies, acts or omissions. 4.The following exclusions are added: 1.bodily injury to any member of the flying crew of any aircraft. 2.bodily injury to an employee when you are deprived of statutory or common law defenses or are subject to penalty because of your failure to secure your obligations under the workers’compensation law(s) applicable to you or otherwise fail to comply with that law. 3.liability arising from California Labor Code Section 2810.3 which relates to labor contracting. THIS ENDORSEMENT CHANGES THE POLICY.PLEASE READ IT CAREFULLY. Form WC 04 04 21 Printed in U.S.A.Page 1 of 1 Process Date:07/29/24 Policy Expiration Date:09/07/25 OPTIONAL PREMIUM INCREASE ENDORSEMENT - CALIFORNIA Policy Number:76 WEG AH5THK Endorsement Number: Effective Date:09/07/24 Effective hour is the same as stated on the Information Page of the policy. Named Insured and Address:4 POINT POWER INC 1313 N MILPITAS BLVD STE 161 MILPITAS CA 95035 You must provide us,or our authorized representative, access to records necessary to perform a payroll verification audit.If you fail to provide access within 90 days after expiration of the policy,you are liable to pay a total premium equal to 3 times our current estimate of the annual premium for your policy.In addition,if you fail to provide access after our third request within a 90 day or longer period,you are also liable for our costs in attempting to perform the audit unless you provide a compelling business reason for your failure. We will contact you to schedule appointments during normal business hours. We will notify you of your failure to provide access by mailing a certified,return-receipt document stating the increased premium and the total amount of our costs incurred in our attempt(s)to perform an audit.In addition to any other obligations under this contract,30 days after you receive the notification,you will be obligated to pay the total premium and costs referenced above.If, thereafter,you provide access to your records within three years after the policy expires,or within another mutually agreed upon time,and we succeed in performing the audit to our satisfaction,we will revise your total premium and the costs due to reflect the results of the audit. THIS ENDORSEMENT CHANGES THE POLICY.PLEASE READ IT CAREFULLY. Form WC 04 04 22 Printed in U.S.A. Process Date:07/29/24 Policy Expiration Date:09/07/25 CALIFORNIA SHORT-RATE CANCELATION ENDORSEMENT Policy Number:76 WEG AH5THK Endorsement Number: Effective Date:09/07/24 Effective hour is the same as stated on the Information Page of the policy. Named Insured and Address:4 POINT POWER INC 1313 N MILPITAS BLVD STE 161 MILPITAS CA 95035 It is agreed that,anything in the policy to the contrary notwithstanding,such insurance as is afforded by this policy by reason of the designation of California in Item 3 of the Information Page is subject to the following provisions: If you cancel the policy and a disclosure was provided in accordance with Section 481(c)of the California Insurance Code,final premium will be based on the time this policy was in force and increased by the short-rate cancelation table below: Extended Number of Days Percent of Full Policy Premium Extended Number of Days Percent of Full Policy Premium Extended Number of Days Percent of Full Policy Premium 1 ..........5%95-98 ..........37%219-223 ..........69% 2 ..........6%99-102 ..........38%224-228 ..........70% 3-4 ..........7%103-105 ..........39%229-232 ..........71% 5-6 ..........8%106-109 ..........40%233-237 ..........72% 7-8 ..........9%110-113 ..........41%238-241 ..........73% 9-10 ..........10%114-116 ..........42%242-246 (8 mos.)74% 11-12 ..........11%117-120 ..........43%247-250 ..........75% 13-14 ..........12%121-124 (4 mos.)44%251-255 ..........76% 15-16 ..........13%125-127 ..........45%256-260 ..........77% 17-18 ..........14%128-131 ..........46%261-264 ..........78% 19-20 ..........15%132-135 ..........47%265-269 ..........79% 21-22 ..........16%136-138 ..........48%270-273 (9 mos.)80% 23-25 ..........17%139-142 ..........49%274-278 ..........81% 26-29 ..........18%143-146 ..........50%279-282 ..........82% 30-32 (1 mo.)19%147-149 ..........51%283-287 ..........83% 33-36 ..........20%150-153 (5 mos.)52%288-291 ..........84% 37-40 ..........21%154-156 ..........53%292-296 ..........85% 41-43 ..........22%157-160 ..........54%297-301 ..........86% 44-47 ..........23%161-164 ..........55%302-305 (10 mos.)87% 48-51 ..........24%165-167 ..........56%306-310 ..........88% 52-54 ..........25%168-171 ..........57%311-314 ..........89% 55-58 ..........26%172-175 ..........58%315-319 ..........90% 59-62 (2 mos.)27%176-178 ..........59%320-323 ..........91% 63-65 ..........28%179-182 (6 mos.)60%324-328 ..........92% 66-69 ..........29%183-187 ..........61%329-332 ..........93% 70-73 ..........30%188-191 ..........62%333-337 (11 mos.)94% 74-76 ..........31%192-196 ..........63%338-342 ..........95% 77-80 ..........32%197-200 ..........64%343-346 ..........96% 81-83 ..........33%201-205 ..........65%347-351 ..........97% 84-87 ..........34%206-209 ..........66%352-355 ..........98% 88-91 (3 mos.)35%210-214 (7 mos.)67%356-360 ..........99% 92-94 ..........36%215-218 ..........68%361-365 (12 mos.)100% THIS ENDORSEMENT CHANGES THE POLICY.PLEASE READ IT CAREFULLY. Form WC 04 06 01 B (01/22)Printed in U.S.A. Process Date: 07/29/24 Policy Expiration Date:09/07/25 CALIFORNIA CANCELATION ENDORSEMENT Policy Number:76 WEG AH5THK Endorsement Number: Effective Date:09/07/24 Effective hour is the same as stated on the Information Page of the policy. Named Insured and Address:4 POINT POWER INC 1313 N MILPITAS BLVD STE 161 MILPITAS CA 95035 Name of California Insurer:Hartford Casualty Insurance Company This endorsement applies only to the insurance provided by the policy because California is shown in Item 3.A.of the Information Page. The cancelation condition in Part Six (Conditions)of the policy is replaced by these conditions: Cancelation 1.You may cancel this policy.You must mail or deliver advance written notice to us stating when the cancelation is to take effect. 2.We may cancel this policy for one or more of the following reasons: a.Non-payment of premium; b.Failure to report payroll; c.Failure to permit us to audit payroll as required by the terms of this policy or of a previous policy issued by us; d.Failure to pay any additional premium resulting from an audit of payroll required by the terms of this policy or any previous policy issued by us; e.Material misrepresentation made by you or your agent; f.Failure to cooperate with us in the investigation of a claim; g.Material failure to comply with federal or state safety orders or written recommendations of our designated loss control representatives; h.The occurrence of a material change in the ownership of your business; i.The occurrence of any change in your business or operations that materially increases the hazard for frequency or severity of loss; j.The occurrence of any change in your business or operation that requires additional or different classification for premium calculation; k.The occurrence of any change in your business or operation which contemplates an activity excluded by our reinsurance treaties. 3.If we cancel your policy for any of the reasons listed in (a)through (f),we will give you 10 days advance written notice,stating when the cancelation is to take effect.Mailing that notice to you at your mailing address shown in Item 1 of the Information Page will be sufficient to prove notice.If we cancel your policy for any of the reasons listed in Items (g)through (k), we will give you 30 days advance written notice; however,we agree that in the event of cancelation and reissuance of a policy effective upon a material change in ownership or operations,notice will not be provided. 4.If we mail the notice to you,the stated periods of notice and your right to remedy the condition will be extended by 5 days if the place of mailing and your mailing address is within California,10 days if the place of mailing or your mailing address is outside of California and 20 days if the place of mailing or your mailing address is outside of the United States. 5.The policy period will end on the day and hour stated in the cancelation notice. THIS ENDORSEMENT CHANGES THE POLICY.PLEASE READ IT CAREFULLY. Form WC 99 03 02 B Printed in U.S.A. (Ed. 8/00)Page 1 of 4 Process Date:07/29/24 Policy Expiration Date:09/07/25 © 2000, The Hartford WORKERS’ COMPENSATION BROAD FORM ENDORSEMENT Policy Number:76 WEG AH5THK Endorsement Number: Effective Date:09/07/24 Effective hour is the same as stated on the Information Page of the policy. Named Insured and Address:4 POINT POWER INC 1313 N MILPITAS BLVD STE 161 MILPITAS CA 95035 Section I of this endorsement expands coverage provided under WC 00 00 00. Section II of this endorsement provides additional coverage usually only provided by endorsement. Section III of this endorsement is a Schedule of Covered States. You may use the index to locate these coverage features quickly: INDEX SUBJECT PAGE SECTION I 2 PARTS ONE and TWO 2 01 We Will Also Pay 2 PART - THREE 2 02 How This Insurance Works 2 PART - SIX 2 03 Transfer of Your Rights and Duties 2 04 Liberalization 2 SECTION II 2 VOLUNTARY COMPENSATION INSURANCE 2 05 Voluntary Compensation Insurance 2 A.How This Insurance Applies 2 B.We will Pay 3 C.Exclusions 3 D.Before We Pay 3 E.Recovery From Others 3 F.Employers’ Liability Insurance 3 EMPLOYERS’ LIABILITY STOP GAP COVERAGE 3 06 Employers’ Liability Stop Gap Coverage 3 A.Stop Gap Coverage Limited Montana, North Dakota, Ohio, Washington, West Virginia and Wyoming 3 B.Part One does not Apply 3 C.Application of Coverage 3 D.Additional Exclusions 3 E.West Virginia 3 SECTION III 4 07 Schedule of Covered States 4 Form WC 99 03 02 B Printed in U.S.A. (Ed. 8/00)Page 2 of 4 SECTION I PARTS ONE and TWO 1.WE WILL ALSO PAY D.We Will Also Pay of Part One (WORKERS’ COMPENSATION INSURANCE); and E.We Will Also Pay of Part Two (EMPLOYERS’LIABILITY INSURANCE)is replaced by the following: We Will Also Pay We will also pay these costs,in addition to other amounts payable under this insurance, as part of any claim,proceeding,or suit we defend: 1.reasonable expenses incurred at our request,INCLUDING loss of earnings; 2.premiums for bonds to release attachments and for appeal bonds in bond amounts up to the limit of our liability under this insurance; 3.litigation costs taxed against you; 4.interest on a judgment as required by law until we offer the amount due under this law; and 5.expenses we incur. PART THREE 2.How This Insurance Applies Paragraph 4. of A.How This Insurance Applies of Part 3 (Other States Insurance)is replaced by the following: 4.If you have work on the effective date of this policy in any state not listed in Item 3.A.of the Information Page,coverage will not be afforded for that state unless we are notified within sixty days. PART SIX 3.Transfer Of Your Rights and Duties C.Transfer Of Your Rights and Duties of Part 6 (Conditions) is replaced by the following: Your rights or duties under this policy may not be transferred without our written consent. If you die and we receive notice within sixty days after your death,we will cover your legal representative as insured. 4.Liberalization If we adopt a change in this form that would broaden the coverage of this form without extra charge,the broader coverage will apply to this policy.It will apply when the change becomes effective in your state. SECTION II VOLUNTARY COMPENSATION AND EMPLOYERS’ LIABILITY COVERAGE 5.Voluntary Compensation Insurance A.How This Insurance Applies This insurance applies to bodily injury by accident or bodily injury by disease.Bodily injury includes resulting death. 1.The bodily injury must be sustained by any officer or employee not subject to the workers’compensation law of any state shown in Item 3.A.of the Information Page. 2.The bodily injury must arise out of and in the course of employment or incidental to work in a state shown in Item 3.A.of the Information Page. 3.The bodily injury must occur in the United States of America,its territories or possessions,or Canada,and may occur elsewhere if the employee is a United States or Canadian citizen,or otherwise legal resident,and legally employed,in the United States or Canada and temporarily away from those places. 4.Bodily injury by accident must occur during the policy period. 5.Bodily injury by disease must be caused or aggravated by the conditions of the officer’s or employee’s employment. Form WC 99 03 02 B Printed in U.S.A. (Ed. 8/00)Page 3 of 4 The officer’s or employee’s last day of last exposure to the conditions causing or aggravating such bodily injury by disease must occur during the policy period. B.We Will Pay We will pay an amount equal to the benefits that would be required of you as if you and your employees were subject to the workers’ compensation law of any state shown in Item 3.A.of the Information Page.We will pay those amounts to the persons who would be entitled to them under the law. C.Exclusion This insurance does not cover: 1.any obligation imposed by workers’ compensation or occupational disease law or any similar law. 2.bodily injury intentionally caused or aggravated by you. 3.officers or employees who have elected not to be subject to the state workers’ compensation law. 4.partners or sole proprietors not covered under the Standard Sole Proprietors, Partners,Officers and Others Coverage Endorsement. D.Before We Pay Before we pay benefits to the persons entitled to them, they must: 1.Release you and us,in writing,of all responsibility for the injury or death. 2.Transfer to us their right to recover from others who may be responsible for the injury or death. 3.Cooperate with us and do everything necessary to enable us to enforce the right to recover from others. If the persons entitled to the benefits of this insurance fail to do those things,our duty to pay ends at once.If they claim damages from you or from us for the injury or death, our duty to pay ends at once. E.Recovery From Others If we make a recovery from others,we will keep an amount equal to our expenses of recovery and the benefits we paid.We will pay the balance to the persons entitled to it. If the persons entitled to the benefits of this insurance make a recovery from others,they must reimburse us for the benefits we paid them. F.Employers’ Liability Insurance Part Two (Employers’Liability Insurance)applies to bodily injury covered by this endorsement as though the State of Employment was shown in Item 3.A. of the Information Page. This provision 5.does not apply in New Jersey or Wisconsin. EMPLOYERS’ LIABILITY STOP GAP COVERAGE 6.Employers’ Liability Stop Gap Coverage A.This coverage only applies in Montana,North Dakota,Ohio,Washington,West Virginia and Wyoming. B.Part One (Workers’Compensation Insurance) does not apply to work in states shown in Paragraph A above. C.Part Two (Employers’Liability Insurance)applies in the states,shown in Paragraph A.,as though they were shown in Item 3.A.of the Information Page. D.Part Two,Section C.Exclusions is changed by adding these exclusions. This insurance does not cover; 5.bodily injury intentionally caused or aggravated by you or in Ohio bodily injury resulting from an act which is determined by an Ohio court of law to have been committed by you with the belief than an injury is substantially certain to occur.However,the cost of defending such claims or suits in Ohio is covered. 13.bodily injury sustained by any member of the flying crew of any aircraft. 14.any claim for bodily injury with respect to which you are deprived of any defense or defenses or are otherwise subject to penalty because of default in premium under the provisions of the workers’compensation law or laws of a state shown in Paragraph A. E.This insurance applies to damages for which you are liable under West Virginia Code Annot.S 23- 4-2. Countersigned by Authorized Representative Form WC 99 03 02 B Printed in U.S.A. (Ed. 8/00)Page 4 of 4 SECTION III 7.SCHEDULE OF COVERED STATES A.This endorsement only applies in the states listed in this Schedule of Covered States. B.If a state,shown in Item 3.A.of the Information Page,approves this endorsement after the effective date of this policy,this endorsement will apply to this policy.The coverage will apply in the new state on the effective date of the state approval. C.Schedule of Covered States: CA THIS ENDORSEMENT CHANGES THE POLICY.PLEASE READ IT CAREFULLY. Form WC 99 03 58 B Printed in U.S.A (Ed. 7/08) Process Date:07/29/24 Policy Expiration Date:09/07/25 AMENDMENT TO WORKERS’ COMPENSATION BROAD FORM ENDORSEMENT- EMPLOYERS’ LIABILITY STOP GAP COVERAGE Policy Number:76 WEG AH5THK Endorsement Number: Effective Date:09/07/24 Effective hour is the same as stated on the Information Page of the policy. Named Insured and Address:4 POINT POWER INC 1313 N MILPITAS BLVD STE 161 MILPITAS CA 95035 This endorsement changes the Workers’ Compensation Broad Form Endorsement – Employers’Liability Stop Gap Coverage 6.Employers’Liability Stop Gap Coverage A.This coverage only applies in North Dakota, Ohio, Washington, and Wyoming E.This paragraph is removed. THIS ENDORSEMENT CHANGES THE POLICY.PLEASE READ IT CAREFULLY. Form WC 99 03 75 Printed in U.S.A. Process Date:07/29/24 Policy Expiration Date:09/07/25 CALIFORNIA INSTALLMENT FEE DISCLOSURE ENDORSEMENT Policy Number:76 WEG AH5THK Endorsement Number: Effective Date:09/07/24 Effective hour is the same as stated on the Information Page of the policy. Named Insured and Address:4 POINT POWER INC 1313 N MILPITAS BLVD STE 161 MILPITAS CA 95035 This endorsement applies only to the insurance provided because California is shown in Item 3.A.of the Information Page. A service fee of $7.00 is charged for each installment when your premium is paid in installments.The service fee is $5.00 per withdrawal when you select an electronic fund transfer payment plan.The service fee will be added to the premium amount shown on your premium billing statement. THIS ENDORSEMENT CHANGES THE POLICY.PLEASE READ IT CAREFULLY. Form WC 99 03 94 Printed in U.S.A. Process Date:07/29/24 Policy Expiration Date:09/07/25 © 2011, The Hartford NOTICE OF CANCELLATION TO CERTIFICATE HOLDER(S) Policy Number:76 WEG AH5THK Endorsement Number: Effective Date:09/07/24 Effective hour is the same as stated on the Information Page of the policy. Named Insured and Address:4 POINT POWER INC 1313 N MILPITAS BLVD STE 161 MILPITAS CA 95035 This policy is subject to the following additional Conditions: A.If this policy is cancelled by the Company,other than for non-payment of premium,notice of such cancellation will be provided at least thirty (30)days in advance of the cancellation effective date to the certificate holder(s)with mailing addresses on file with the agent of record or the Company. B.If this policy is cancelled by the Company for non-payment of premium,or by the insured,notice of such cancellation will be provided within ten (10) days of the cancellation effective date to the certificate holder(s)with mailing addresses on file with the agent of record or the Company. If notice is mailed,proof of mailing to the last known mailing address of the certificate holder(s)on file with the agent of record or the Company will be sufficient proof of notice. Any notification rights provided by this endorsement apply only to active certificate holder(s)who were issued a certificate of insurance applicable to this policy’s term. Failure to provide such notice to the certificate holder(s) will not amend or extend the date the cancellation becomes effective,nor will it negate cancellation of the policy.Failure to send notice shall impose no liability of any kind upon the Company or its agents or representatives. THIS ENDORSEMENT CHANGES THE POLICY.PLEASE READ IT CAREFULLY. Form WC 99 06 28 Printed in U.S.A. Process Date:07/29/24 Policy Expiration Date:09/07/25 MINIMUM RETAINED PREMIUM ENDORSEMENT Policy Number:76 WEG AH5THK Endorsement Number: Effective Date:09/07/24 Effective hour is the same as stated on the Information Page of the policy. Named Insured and Address:4 POINT POWER INC 1313 N MILPITAS BLVD STE 161 MILPITAS CA 95035 It is agreed that: Section E. Final Premium of Part Five – Premium of the policy is changed as follows: Sub-paragraphs 1. and 2. are deleted and replaced by the following: 1.a.If we cancel,for any reason other than nonpayment of premium,final premium will be calculated pro rata based on the time this policy was in force.Final premium will not be less than the pro rata share of the minimum premium. b.If we cancel for nonpayment of premium final premium will not be less than the minimum premium. 2.a.If you cancel for any reason,final premium will be more than pro rata;it will be based on the time this policy was in force, and increased by our short rate cancellation table and procedure. b.If you cancel due to retiring from business or when all work covered by this policy has been completed,final premium will not be less than the minimum premium. THIS ENDORSEMENT CHANGES THE POLICY.PLEASE READ IT CAREFULLY. Form WC 99 06 89 (02/21)Printed in U.S.A.Page 1 of 1 Process Date:07/29/24 Policy Expiration Date:09/07/25 GOODS AND SERVICES ENDORSEMENT Policy Number:76 WEG AH5THK Endorsement Number: Effective Date:09/07/24 Effective hour is the same as stated on the Information Page of the policy. Named Insured and Address:4 POINT POWER INC 1313 N MILPITAS BLVD STE 161 MILPITAS CA 95035 Name of Insurer:Hartford Casualty Insurance Company This endorsement modifies insurance provided under all Coverage Parts of this Policy. We may offer or make “goods or services”available to you through this underwriting company,a non-insurer subsidiary,or unaffiliated third parties as a part of this policy.The “goods or services”may be provided for a charge, at a discount,on a subsidized basis,or free of charge.In some cases,we may receive a fee from the unaffiliated third parties that provide “goods or services”.We do not warrant or guarantee the “goods or services”provided by third parties,and such third parties shall be solely liable and responsible for the “goods or services”they provide.The “goods or services” offered or made available by us may be modified or discontinued at any time. “Goods or services”means goods,products or services,including but not limited to risk mitigation,safety,and/or loss prevention services or equipment. Form 98456 5th Rev. 12-13 Printed in U.S.A.Page 1 of 2 MAINTAINING YOUR RECORDS FOR AUDIT PURPOSES WHAT IS A PREMIUM ADJUSTMENT? When your Workers'Compensation policy was issued you paid a deposit premium based on the nature of your business and estimates of your payroll.At the end of the policy period,we conduct an audit to compare the estimates against the actual figures and operations. Based on this comparison an adjustment is made.If the actual premium is less than what you already have paid,a refund will be made.If it's more,you will be billed for the difference.These adjustments are subject to any minimum premiums that apply. HOW WILL THE PREMIUM ADJUSTMENT BE MADE? On smaller,less complex operations we may e-mail you, call you,or mail you a request to ask you to provide the information via our online web-based portal,mail or telephone.If we require this information,we will provide an electronic link to,or a paper copy of,the necessary forms for you to complete. On larger,more complex operations one of our Premium Auditors will contact you for an appointment.You will be contacted either by e-mail,telephone or mail.If directed, the auditor will contact your accountant to obtain as much information as possible and contact you at a later time for additional information that may be needed. BASIS OF PREMIUM Remuneration (Payroll) in most states, includes: Payment of:Wages,bonuses,commissions, overtime,*sick pay,vacation pay,*tool allowances,contributions to individual retirement accounts,employee contributions to employee benefit plans. Payments on basis of:Piece work, incentive plans, profit sharing. The value of:Housing furnished to employees,*meals furnished to employees,*store certificates, merchandise and other dollar substitutes. Remuneration does not include: a.Employer contributions to a group insurance or pension plan other than statutory plans of insurance. b.Special awards for individual inventions or discoveries. c.Overtime.* Subcontractors.In the absence of other insurance,most state laws hold a contractor responsible for injuries to employees of subcontractors.At the time of audit Certificates of Insurance must be available for subcontractors with employees,in order to avoid payment of premium. Independent Contractors,without employees,whose duties closely resemble those of an employee,will be considered your employee with the appropriate premium charged. The actual working relationship between you and the Independent Contractor is examined.Items such as,but not limited to:whether the work performed is an integral part of your operations,whether you have the right to control the details of the work,the method of payment, who supplied the materials used,does the person regularly work for others,whose regulatory authority did person operate under,whether the person is involved in a separate and distinct business offering the same services to the public. RECORDS As part of the policy conditions,we are allowed to examine your financial books and records to determine actual exposures and operations.We would appreciate your cooperation in making the needed records available for the auditor's inspection. What Records Will Be Needed? The records needed will vary.In most cases,the Premium Auditor will be able to obtain the necessary audit data from two or more of the following records:Journals, Ledgers,State and Federal Tax Reports,Individual Earning Cards, Checkbooks and Contracts. Form 98456 5th Rev. 12-13 Printed in U.S.A.Page 2 of 2 How You Should Keep Your Records By maintaining your payroll records in accordance with the following guidelines,you might reduce your insurance costs. Overtime.In most states,the amount paid in excess of straight time pay can be deducted if it can be verified in your records.You must maintain your records to show pay separately by employee and in summary by classification of work. *Division of an employee's payroll to more than one classification is not allowed in most states. Exception:For construction,erection or stevedoring operations the payroll of an employee may be allocated to each type of work performed if proper records are kept. Your records must show the number of hours and amount of payroll for each type of work.If you do not keep such a breakdown,the full salary must be charged to the highest rated classification to which the employee is exposed. Executive Officers in most states are considered employees of their corporation and included in the computation of premium.Their remuneration is assigned without division to the actual operation in which they are engaged.If their duties are the same as those of a worker,foreman or superintendent,their payroll is assigned to the classification that develops the highest payroll.Minimum and maximum payrolls apply to executive officers. Automated Records.If your records are automated or you plan to automate in the near future you can obtain maximum benefits by setting up your records to include insurance requirements.Our Premium Auditor will be pleased to assist you in setting up your records.Contact your Hartford Representative if you would like this assistance. NOTE:The contents of this publication are not intended to supersede any definitions or conditions of your policy, the Workers' Compensation Law or any legal rulings. *Your state may have specific rules or exceptions. Please contact your Hartford Representative for details that may apply and answer questions you may have. Form WC 66 03 30 Q Printed in U.S.A.Page 1 of 2 Customer Privacy Notice The Hartford Financial Services Group, Inc. and Affiliates (herein called “we, our, and us”) This Privacy Policy applies to our United States Operations We value your trust.We are committed to the responsible: a)management; b)use; and c)protection; of Personal Information. This notice describes how we collect,disclose,and protect Personal Information. We collect Personal Information to: a)service your Transactions with us; and b)support our business functions. We may obtain Personal Information from: a)You; b)your Transactions with us; and c)third parties such as a consumer-reporting agency. Based on the type of product or service You apply for or get from us,Personal Information such as: a)your name; b)your address; c)your income; d)your payment; or e)your credit history; may be gathered from sources such as applications, Transactions, and consumer reports. To serve You and service our business,we may share certain Personal Information.We will share Personal Information,only as allowed by law,with affiliates such as: a)our insurance companies; b)our employee agents; c)our brokerage firms; and d)our administrators. As allowed by law,we may share Personal Financial Information with our affiliates to: a)market our products; or b)market our services; to You without providing You with an option to prevent these disclosures. We may also share Personal Information,only as allowed by law, with unaffiliated third parties including: a)independent agents; b)brokerage firms; c)insurance companies; d)administrators; and e)service providers; who help us serve You and service our business. When allowed by law,we may share certain Personal Financial Information with other unaffiliated third parties who assist us by performing services or functions such as: a)taking surveys; b)marketing our products or services; or c)offering financial products or services under a joint agreement between us and one or more financial institutions. We,and third parties we partner with,may track some of the pages You visit through the use of: a)cookies; b)pixel tagging; or c)other technologies; and currently do not process or comply with any web browser’s “do not track”signal or other similar mechanism that indicates a request to disable online tracking of individual users who visit our websites or use our services. For more information,our Online Privacy Policy,which governs information we collect on our website and our affiliate websites,is available at https://www.thehartford.com/online-privacy-policy. We will not sell or share your Personal Financial Information with anyone for purposes unrelated to our business functions without offering You the opportunity to: a)“opt-out;” or b)“opt-in;” as required by law. We only disclose Personal Health Information with: a)your authorization; or b)as otherwise allowed or required by law. Our employees have access to Personal Information in the course of doing their jobs, such as: a)underwriting policies; b)paying claims; c)developing new products; or d)advising customers of our products and services. Form WC 66 03 30 Q Printed in U.S.A.Page 2 of 2 We use manual and electronic security procedures to maintain: a)the confidentiality; and b)the integrity of; Personal Information that we have.We use these procedures to guard against unauthorized access. Some techniques we use to protect Personal Information include: a)secured files; b)user authentication; c)encryption; d)firewall technology; and e)the use of detection software. We are responsible for and must: a)identify information to be protected; b)provide an adequate level of protection for that data; and c)grant access to protected data only to those people who must use it in the performance of their job- related duties. Employees who violate our privacy policies and procedures may be subject to discipline,which may include termination of their employment with us. We will continue to follow our Privacy Policy regarding Personal Information even when a business relationship no longer exists between us. As used in this Privacy Notice: Application means your request for our product or service. Personal Financial Information means financial information such as: a)credit history; b)income; c)financial benefits; or d)policy or claim information. Personal Financial Information may include Social Security Numbers,Driver’s license numbers,or other government-issued identification numbers,or credit,debit card, or bank account numbers. Personal Health Information means health information such as: a)your medical records; or b)information about your illness, disability or injury. Personal Information means information that identifies You personally and is not otherwise available to the public. It includes: a)Personal Financial Information; and b)Personal Health Information. Transaction means your business dealings with us,such as: a)your Application; b)your request for us to pay a claim; and c)your request for us to take an action on your account. You means an individual who has given us Personal Information in conjunction with: a)asking about; b)applying for; or c)obtaining; a financial product or service from us if the product or service is used mainly for personal,family,or household purposes. If you have any questions or comments about this privacy notice,please feel free to contact us at The Hartford -Consumer Rights and Privacy Compliance Unit, One Hartford Plaza, Mail Drop: HO1-09, Hartford, CT 06155, or at ConsumerPrivacyInquiriesMailbox@thehartford.com. This Customer Privacy Notice is being provided on behalf of The Hartford Financial Services Group,Inc.and its affiliates (including the following as of February 2024), to the extent required by the Gramm-Leach-Bliley Act and implementing regulations: 1stAGChoice,Inc.;Access CoverageCorp,Inc.;Access CoverageCorp Technologies,Inc.;Business Management Group,Inc.;Cervus Claim Solutions, LLC;First State Insurance Company;FTC Resolution Company LLC;Hart Re Group L.L.C.;Hartford Accident and Indemnity Company;Hartford Administrative Services Company;Hartford (Asia)Limited;Hartford Casualty General Agency,Inc.;Hartford Casualty Insurance Company;Hartford Corporate Underwriters Limited;Hartford Fire General Agency,Inc.;Hartford Fire Insurance Company;Hartford Funds Distributors,LLC;Hartford Funds Management Company,LLC;Hartford Funds Management Group,Inc.;Hartford Holdings,Inc.;Hartford Insurance Company of Illinois;Hartford Insurance Company of the Midwest;Hartford Insurance Company of the Southeast;Hartford Insurance,Ltd.;Hartford Integrated Technologies,Inc.; Hartford Investment Management Company;Hartford Life and Accident Insurance Company;Hartford Lloyd’s Corporation;Hartford Lloyd’s Insurance Company;Hartford Management,Ltd.;Hartford Management (UK)Limited;Hartford Productivity Services LLC;Hartford of the Southeast General Agency,Inc.;Hartford of Texas General Agency,Inc.;Hartford Residual Market,L.C.C.;Hartford Specialty Insurance Services of Texas,LLC;Hartford STAG Ventures LLC;Hartford Strategic Investments,LLC;Hartford Underwriters General Agency,Inc.;Hartford Underwriters Insurance Company; Hartford Underwriting Agency Limited;Heritage Holdings,Inc.;Heritage Reinsurance Company,Ltd.;HLA LLC;Horizon Management Group,LLC;HRA Brokerage Services,Inc.;Lattice Strategies LLC;Maxum Casualty Insurance Company;Maxum Indemnity Company;Maxum Specialty Services Corporation;Millennium Underwriting Limited;MPC Resolution Company LLC;Navigators Holdings (UK)Limited;Navigators Insurance Company; Navigators Management Company,Inc.;Navigators Specialty Insurance Company;Navigators Underwriting Limited;New England Insurance Company; New England Reinsurance Corporation;New Ocean Insurance Co.,Ltd.;NIC Investments (Chile)SpA;Nutmeg Insurance Agency,Inc.;Nutmeg Insurance Company;Pacific Insurance Company,Limited;Property and Casualty Insurance Company of Hartford;Sentinel Insurance Company,Ltd.; The Navigators Group, Inc.; Trumbull Flood Management, L.L.C.; Trumbull Insurance Company; Twin City Fire Insurance Company; Y-Risk, LLC. Form PN 04 99 06 D Printed in U.S.A. POLICYHOLDER NOTICE PAYROLL RECORD AND AUDIT REQUIREMENTS FOR DUAL WAGE CONSTRUCTION OR ERECTION CLASSIFICATIONS Your policy includes one or more construction or erection classifications.Dual wage classifications are pairs of classifications that describe the same construction or erection operation yet are assigned based upon whether the employee's hourly wage is above or below a specified threshold.Each pair of dual wage classifications contains one "high wage"classification that is assignable to payrolls earned by employees whose regular hourly wage equals or exceeds a specified wage threshold and one "low wage"classification that is assignable to payrolls earned by employees whose regular hourly wage is less than the specified threshold. Payroll Record Requirements The assignment of a high wage classification is contingent on verifying that the employee's hourly wage equals or exceeds the specified wage threshold.The determination of the regular hourly wage for any non-salaried employee must be supported by one of the following sources: o Original time cards or time book entries for each employee.Original records must include the operations performed,the total hours worked each day and the times the employee started and ended each work period throughout the workday.At job locations where all of the employer's operations cease for a uniform unpaid meal period, recording the start and stop times of the uniform break period is not required. o A valid collective bargaining agreement that shows the regular hourly wage rate by job classification of a worker.If using a collective bargaining agreement,the records must include an employee roster by job classification that permits the reconciliation of individual employees to the job classifications set forth in the collective bargaining agreement. The non-salaried employee's regular hourly wage shall be determined by dividing that employee's total remuneration by the hours worked during the pay period,irrespective of whether the employee is paid on an hourly,piecework,production or commission basis. The payroll earned by any non-salaried employees for whom the records specified above are not maintained and/or made available will be assigned to the low wage classification that describes the operations performed. The regular hourly wage of salaried employees is determined by dividing the total annual remuneration by 2000 hours.If an employee is salaried for less than 12 months,the regular hourly wage for the salaried period is calculated on a prorated basis. Audit Requirements If your policy has an effective date on or after January 1,2020 and produces a final premium of $10,500 or more,a physical audit is required at least once a year;if it produces a final premium of less than $10,500 and develops payroll in a high wage classification,a physical audit of the policy is required unless the policy is a renewal and a physical audit was completed for one of the two immediately preceding policy periods.A "physical audit"is defined as an audit of payroll, whether conducted at the policyholder's location or at a remote site,that is based upon an auditor's examination of the policyholder's books of accounts and original payroll records (in either electronic or hard copy form)as necessary to determine and verify the exposure amounts by classification. If you hold a C-39 Roofing Contractor license from the California Contractors State License Board,a physical audit is required on the complete policy period of each policy regardless of the amount of final premium.See California Insurance Code Section 11665(a) for additional requirements regarding the audit of C-39 license holders. Form G-3418-0 PRODUCER COMPENSATION NOTICE You can review and obtain information on The Hartford’s producer compensation practices at www.TheHartford.com or at 1-800-592-5717. THIS ENDORSEMENT CHANGES THE POLICY.PLEASE READ IT CAREFULLY. Form WC 00 04 22 C (01/21)Printed in U.S.A.Page 1 of 2 Process Date:07/29/24 Policy Expiration Date:09/07/25 TERRORISM RISK INSURANCE PROGRAM REAUTHORIZATION ACT DISCLOSURE ENDORSEMENT Policy Number:76 WEG AH5THK Endorsement Number: Effective Date:09/07/24 Effective hour is the same as stated on the Information Page of the policy. Named Insured and Address:4 POINT POWER INC 1313 N MILPITAS BLVD STE 161 MILPITAS CA 95035 Name of California Insurer: This endorsement addresses the requirements of the Terrorism Risk Insurance Act of 2002 as amended and extended by the Terrorism Risk Insurance Program Reauthorization Act of 2019.It serves to notify you of certain limitations under the Act,and that your insurance carrier is charging premium for losses that may occur in the event of an Act of Terrorism. Your policy provides coverage for workers compensation losses caused by Acts of Terrorism,including workers compensation benefit obligations dictated by state law. Coverage for such losses is still subject to all terms, definitions,exclusions,and conditions in your policy,and any applicable federal and/or state laws,rules,or regulations. Definitions The definitions provided in this endorsement are based on and have the same meaning as the definitions in the Act.If words or phrases not defined in this endorsement are defined in the Act,the definitions in the Act will apply. "Act"means the Terrorism Risk Insurance Act of 2002, which took effect on November 26,2002,and any amendments thereto,including any amendments resulting from the Terrorism Risk Insurance Program Reauthorization Act of 2019. "Act of Terrorism"means any act that is certified by the Secretary of the Treasury,in consultation with the Secretary of Homeland Security,and the Attorney General of the United States as meeting all of the following requirements: a.The act is an act of terrorism. b.The act is violent or dangerous to human life, property or infrastructure. c.The act resulted in damage within the United States, or outside of the United States in the case of the premises of United States missions or certain air carriers or vessels. d.The act has been committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. "Insured Loss"means any loss resulting from an act of terrorism (and,except for Pennsylvania,including an act of war,in the case of workers compensation)that is covered by primary or excess property and casualty insurance issued by an insurer if the loss occurs in the United States or at the premises of United States missions or to certain air carriers or vessels. "Insurer Deductible"means,for the period beginning on January 1,2021,and ending on December 31,2027,an amount equal to 20%of our direct earned premiums during the immediately preceding calendar year. Form WC 00 04 22 C (01/21)Printed in U.S.A.Page 2 of 2 Limitation of Liability The Act limits our liability to you under this policy.If aggregate Insured Losses exceed $100,000,000,000 in a calendar year and if we have met our Insurer Deductible,we are not liable for the payment of any portion of the amount of Insured Losses that exceeds $100,000,000,000;and for aggregate Insured Losses up to $100,000,000,000,we will pay only a pro rata share of such Insured Losses as determined by the Secretary of the Treasury. Policyholder Disclosure Notice 1.Insured Losses would be partially reimbursed by the United States Government.If the aggregate industry Insured Losses occurring in any calendar year exceed $200,000,000,the United States Government would pay 80%of our Insured Losses that exceed our Insurer Deductible. 2.Notwithstanding item 1 above,the United States Government will not make any payment under the Act for any portion of Insured Losses that exceed $100,000,000,000. 3.The premium charge for the coverage your policy provides for Insured Losses is included in the amount shown in Item 4 of the Information Page or in the Schedule below. Schedule State Rate Premium See Attached Schedule Form WC 66 00 15 A Printed in U.S.A. CALIFORNIA NOTICE CALIFORNIA LABOR CODE 3551 PROVIDES THAT EVERY EMPLOYER SUBJECT TO THE COMPENSATION PROVISIONS OF THIS CODE,EXCEPT EMPLOYERS OF EMPLOYEES DEFINED IN SUBDIVISION (d)OF SECTION 3351,SHALL GIVE EVERY NEW EMPLOYEE,EITHER AT THE TIME OF HIRE,OR BY THE END OF THE FIRST PAY PERIOD, WRITTEN NOTICE OF THE INFORMATION CONTAINED IN SECTION 3550. CALIFORNIA LABOR CODE 3550 PROVIDES THAT EVERY EMPLOYER SUBJECT TO THE COMPENSATION PROVISIONS OF THIS DIVISION SHALL POST AND KEEP POSTED IN A CONSPICUOUS LOCATION FREQUENTED BY EMPLOYEES,AND WHERE THE NOTICE MAY BE EASILY READ BY EMPLOYEES DURING THE HOURS OF THE WORKDAY,A NOTICE WHICH SHALL STATE THE NAME OF THE CURRENT COMPENSATION INSURANCE CARRIER OF THE EMPLOYER,OR WHEN SUCH IS THE FACT,THAT THE EMPLOYER IS SELF-INSURED,AND WHO IS RESPONSIBLE FOR CLAIMS ADJUSTMENT. Form WC 66 02 05 A Printed in U.S.A. NOTICE TO POLICYHOLDER CALIFORNIA WORKERS' COMPENSATION INSURANCE RATING LAWS Pursuant to Section 11752.8 of the California Insurance Code,we are providing you with an explanation of the California workers'compensation rating laws applicable to new and renewal policies with policy effective dates on and after January 1, 1995. 1.The laws requiring all insurers to charge the same minimum rate uniformly to all employers within a given classification has been repealed.Beginning January 1,1995,we will establish our own rates for workers' compensation.Our rates will not be applicable prior to the first normal policy effective date of a policy incepting on or after January 1,1995.Our rates,rating plans and related information are filed with the Insurance Commissioner and are open for public inspection. 2.The Insurance Commissioner can disapprove our rates,rating plans or classifications only if he has determined after public hearing that our rates might jeopardize our ability to pay claims or create a monopoly in the market.A monopoly is defined by law as a market where one insurer writes 20%or more of that part of the California workers' compensation insurance that is not written by the State Compensation Insurance Fund.If the insurance Commissioner disapproves our rates,rating plans or classification,he may order an increase in the rates applicable to outstanding policies. 3.Rating organizations may develop pure premium rates which are subject to the Insurance Commissioner's approval. A pure premium rate reflects the anticipated cost and expenses of claims per $100 of payroll for a given classification.Pure premium rates are advisory only,as we are not required to sue the pure premium rates developed by any rating organization in establishing our own rates. 4.We must adhere to a single,uniform experience rating plan.If you are eligible for experience rating under the plan, we will be required to adjust your premium to reflect your claim history.A better claim history generally results in a lower experience rating modification;more claims,or more expensive claims,generally result in a higher experience rating modification.The uniform experience rating plan developed by the insurance rating organization designated by the Insurance commissioner is subject to the approval of the Insurance Commissioner. 5.A standard classification system developed by the insurance rating organization designated by the Insurance Commissioner is subject to approval of the Insurance Commissioner.The standard classification system is a method of recognizing and separating policyholders into industry or occupational groups according to their similarities and/or differences.We can adopt and apply the standard classification system or develop and apply our own classification system,provided that we can report the payroll,expenses and other costs of claims in a way which is consistent with the standard classification system. 6.Our rates and classifications may not violate the Unruh Civil Rights Act or be unfairly discriminatory. 7.We will provide an appeal process for you to appeal the way we rate your insurance policy.The process will require us to respond to your written appeal within 30 days.If you are not satisfied with the result of your appeal,you may appeal our decision to the Insurance Commissioner. Form WC 66 04 52 Printed in U.S.A. POLICYHOLDER NOTICE CALIFORNIA CONSTRUCTION DUAL WAGE CLASSIFICATION THRESHOLD In California,a number of construction and erection operations are divided into two separate classifications based on the hourly wage of the employees and each of these classifications has a different advisory pure premium rate.For each of these classification pairs,a specific hourly wage threshold is used to determine whether the payroll and claims for an employee are assigned to the “high wage”or “low wage”classification.There are currently 16 pairs of “dual wage” classifications. Assignment of each high wage classification is subject to verification at the time of final audit that the employee’s regular hourly wage equals or exceeds the specified wage threshold.Payroll recordkeeping requirements for dual wage classifications are listed in the California Workers’Compensation Uniform Statistical Reporting Plan –1995 at Part 3, Standard Classification System, Section IV,Special Industry Classification Procedures, Rule 2a. To see the most recent Dual Wage Classification Thresholds by Classification and Year,type the following into an internet Search Engine: WCIRB Dual Wage Thresholds by Year -Select the Understanding Construction Dual Wage Thresholds – WCIRB -In the WCIRB California Learning Center section,select the Dual Wage Classification Thresholds by Year Table Or, contact your Hartford agent or broker if you have any questions about Dual Wage Classifications. POLICY NUMBER:76 WEG AH5THK NAME OF INSURER:Hartford Casualty Insurance Company Form WC 99 00 01 K Printed in U.S.A.Page 1 of 1 Process Date:07/29/24 Policy Expiration Date:09/07/25 Our President and Secretary have signed this policy.Where required by law,the Information Page has been countersigned by our duly authorized representative. Kevin Barnett, Secretary M. Ross Fisher, President Includes copyright material of the National Council on Compensation Insurance, Inc. used with its permission. ©2000 National Council on Compensation Insurance, Inc. All Rights Reserved. DELAWARE: Delaware forms have been copyrighted by the Delaware Compensation Rating Bureau Inc. NEW YORK: Includes copyrighted material of the New York Compensation Insurance Rating Board, used with its permission. © 2021 New York Compensation Insurance Rating Board, all rights reserved. NORTH CAROLINA: Includes copyrighted material of the North Carolina Rate Bureau, used with its permission. PENNSYLVANIA: Pennsylvania forms have been copyrighted by the Pennsylvania Compensation Rating Bureau. Form WC 55 00 11 D Printed in U.S.A. INSTRUCTIONS EMPLOYEE’S CLAIM FOR WORKERS’ COMPENSATION BENEFITS As of January 1,1990,California employers are required by law to furnish a claim form to an injured worker within one working day of knowledge of a work-related injury or illness (other than First Aid).While it is mandatory for the employer to furnish the claim form to the employee,it is not mandatory for the employee to complete it. The employer should complete sections 9-17,with the exception of section 13 (which reads,"Date employer received claim form").This is to be completed after the claimant has completed his or her portion of the claim form and returned it to you, at which time section 13 should be immediately filled out or date stamped. Penalties can be invoked if employers fail to provide an injured employee an EMPLOYEE’S CLAIM FOR COMPENSATION BENEFITS form or if employers fail to report the claim to the workers’compensation insurance carrier. DO NOT DELAY REPORTING A CLAIM TO THE HARTFORD: Whether or not the employee completes the EMPLOYEE’S CLAIM FOR WORKER’S COMPENSATION BENEFITS,please contact The Hartford’s LossConnect (1-800-327-3636)to report every occupational injury or illness which results in lost time beyond the date of the incident or requires medical treatment beyond First Aid. Form WC 66 03 84 Printed in U.S.A. Reporting a Work-Related Injury is Time Sensitive! Call The Hartford’s LossConnect immediately to report a claim. 1-800-327-3636 Available 24 hours a day, 365 days a year. The Benefits of Timely Loss Reporting: Research has shown that faster loss reporting significantly affects loss costs. The sooner we are notified, the sooner we can investigate the accident and coordinate with you, the injured employee, and the medical team to ensure the fastest possible return to health and work. The Effect of Timely Reporting on Controlling the Cost of Your Loss: Average Loss for Closed Claims (Accident Years 2002-2005) Report Lag in Days Percent Change in Loss Costs Compared to First Week Report Incident Day -6% Week 1 0% Week 2 13% Week 3 or 4 16% 1 Month or Later 24% Statutory requirements also necessitate the prompt initial reporting of the accident causing injury or death.Failure to comply may result in a fineable offense by the State. Information You’ll Need Company Information o Account Number o Location Code (if applicable) o Parent Company (or program name) o Policy Number Worker Information o Name, DOB, Address, Phone o Social Security Number o Age, Gender o Marital Status, Number of Dependants o Hire Date, Years in Current Position o Wage Information Incident Information o Type of injury (burn, cut, etc.)? o Exact body part injured? o What caused the accident? o Any reason to question the injury? o Any witnesses? o Address where injury occurred? o Where was the injured employee treated? (Provide name, address, phone of medical provider.) o When was the accident reported to you and by whom (date, time)? Network Providers A listing of more than 400,000 network providers qualified to treat work-related injuries is available online at www.talispoint.com/hartext or by calling our Network Referral Unit at 1-800-327-3636 (select 4 at the prompt). Since network referrals are often impacted by state specific rules, please call to learn how to maximize our network capabilities on behalf of your employees. 4 Point Power, Inc. Electrical On-Call Services Final Audit Report 2025-08-28 Created:2025-08-21 By:Webmaster Admin (webmaster@cupertino.org) Status:Signed Transaction ID:CBJCHBCAABAA_Y_dOfnkj5kWRxPN6HacQKPzhau9MVi4 "4 Point Power, Inc. Electrical On-Call Services" History Document created by Webmaster Admin (webmaster@cupertino.org) 2025-08-21 - 1:26:09 AM GMT- IP address: 35.229.54.2 Document emailed to Araceli Alejandre (aracelia@cupertino.org) for approval 2025-08-21 - 1:35:07 AM GMT Email viewed by Araceli Alejandre (aracelia@cupertino.org) 2025-08-21 - 1:35:18 AM GMT- IP address: 3.238.43.95 Document approved by Araceli Alejandre (aracelia@cupertino.org) Approval Date: 2025-08-21 - 5:35:35 PM GMT - Time Source: server- IP address: 71.202.76.156 Document emailed to paula@4pointpowerinc.com for signature 2025-08-21 - 5:35:40 PM GMT Email viewed by paula@4pointpowerinc.com 2025-08-21 - 8:43:21 PM GMT- IP address: 172.226.36.20 Signer paula@4pointpowerinc.com entered name at signing as Louis Herrera 2025-08-21 - 8:46:03 PM GMT- IP address: 184.23.50.140 Document e-signed by Louis Herrera (paula@4pointpowerinc.com) Signature Date: 2025-08-21 - 8:46:05 PM GMT - Time Source: server- IP address: 184.23.50.140 Document emailed to Michael Woo (michaelw@cupertino.org) for signature 2025-08-21 - 8:46:09 PM GMT Email viewed by Michael Woo (michaelw@cupertino.org) 2025-08-21 - 8:46:16 PM GMT- IP address: 184.72.205.125 Email viewed by Michael Woo (michaelw@cupertino.org) 2025-08-27 - 6:47:52 PM GMT- IP address: 98.81.104.220 Document e-signed by Michael Woo (michaelw@cupertino.org) Signature Date: 2025-08-28 - 1:54:48 AM GMT - Time Source: server- IP address: 73.170.186.236 Document emailed to Chad Mosley (chadm@cupertino.org) for signature 2025-08-28 - 1:54:52 AM GMT Email viewed by Chad Mosley (chadm@cupertino.org) 2025-08-28 - 1:54:59 AM GMT- IP address: 3.231.161.194 Document e-signed by Chad Mosley (chadm@cupertino.org) Signature Date: 2025-08-28 - 3:50:21 PM GMT - Time Source: server- IP address: 64.165.34.3 Document emailed to Kirsten Squarcia (kirstens@cupertino.org) for signature 2025-08-28 - 3:50:25 PM GMT Email viewed by Kirsten Squarcia (kirstens@cupertino.org) 2025-08-28 - 3:50:34 PM GMT- IP address: 13.221.243.195 Document e-signed by Kirsten Squarcia (kirstens@cupertino.org) Signature Date: 2025-08-28 - 8:35:01 PM GMT - Time Source: server- IP address: 64.165.34.3 Agreement completed. 2025-08-28 - 8:35:01 PM GMT