Vacant Home Insurance Policy

Specimen Policy

The following policy is a sample of what a vacant home insurance

policy may look like. This particular policy is an example from Florida

but policies from Georgia, South Carolina, and North Carolina are

substantially similar.

Each risk is unique and may contain different wording or

endorsements. This sample policy should be used for informational

purposes only.

For more information, please contact us via our website at

http://www.tgiinsurance.com

1544-E Matthews Mint Hill Rd | Matthews, NC 28105 | Phone (704) 846-1400 | Fax (704) 846-0200

COMMON POLICY DECLARATIONSCERTIFICATE/POLICY NUMBER: RENEWAL OF:NAME OF ASSURED:

MAILING ADDRESS:

POLICY PERIOD: From to 12:01 A.M. Standard Time at your Mailing Address above.

IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL THE TERMS OF THIS POLICY, WE AGREE WITHYOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY.

THIS POLICY CONSISTS OF THE FOLLOWING COVERAGE PARTS FOR WHICH A PREMIUM IS INDICATED. THISPREMIUM MAY BE SUBJECT TO ADJUSTMENT.

COVERAGE PARTS PREMIUM

Commercial Property $

Commercial General Liability $

SL taxes & fees:

TRIA Premium $Other:

Other charges (SL taxes, fees) $TOTAL POLICY PREMIUM $

FORMS AND ENDORSEMENTS APPLICABLE TO ALL COVERAGE PARTS:

BUSINESS DESCRIPTION:

THESE DECLARATIONS TOGETHER WITH THE COMMON POLICY CONDITIONS, COVERAGE PART DECLARATIONS,COVERAGE FORM(S) AND ENDORSEM ENTS, IF ANY, ISSUED TO FORM A PART THEREOF, COMPLETE THE CONTRACT OFINSURANCE.AGENCY NAME /ADDRESS :

Countersigned: By:Date

Authorized Representative

SEE SCHEDULE OF FORMS AND ENDORSEMENTS - SFE-01 (02-03)

RETAIL AGENCY NAME / ADDRESS:

CONTRACT NO.

Acting upon your instruction,we have effected the insurance with:

NAME OF INSURERS AMOUNT OR PERCENT

100%THIS PREMIUM IS % EARNED AT INCEPTION

NEW

TGI Insurance Agencies Inc.1544-E Matthews Mint Hill

Matthews, NC 28105

Policy FeeInspection FeeState TaxFSLSO Service FeeCPICA FeeFHCF AssessmentEMPA Fee

VACANT BUILDING

SURPLUS LINES INSURERS' POLICYRATES AND FORMS ARE NOT APPROVEDBY ANY FLORIDA REGULATORY AGENCY.

SAMPLE

SAMPLE

SAMPLE

SAMPLE

SAMPLE

SAMPLE

SAMPLE

SAMPLE

SAMPLE

SAMPLE

THE

SAMPLE

THE PREMIUM,

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PREMIUM, AND

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AND SUBJECT

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SUBJECTSTATED

SAMPLESTATED IN

SAMPLEIN THIS

SAMPLETHIS POLICY.

SAMPLEPOLICY.

FOLLOWING

SAMPLEFOLLOWING COVERAGE

SAMPLECOVERAGE PARTS

SAMPLEPARTS

ADJUSTMENT.

SAMPLEADJUSTMENT.

TRIA

SAMPLETRIA Premium

SAMPLEPremium

SAMPLEcharges

SAMPLEcharges (SL

SAMPLE(SL

we have effected the insurance with:

SAMPLE

we have effected the insurance with:

THIS PREMIUM IS

SAMPLE

THIS PREMIUM IS

SAMPLE

SAMPLE

SAMPLE

SAMPLE

SAMPLE

SAMPLE

SFE-01 (02/03)

ADDITIONAL FORMS

SFE-01 (02/03) Forms & Endorsement Schedule

SCHEDULE OF FORMS AND ENDORSEMENTS

TAP-VBR-01 (11-09) Common Policy Declarations

Policy No. Effective Date:12:01 A.M., Standard Time

Named Insured

TMIL AC015438

Agent

TAPCO Claims Notice Claim Reporting InformationTAPCO Flood (01-07) Flood Insurance NoticeTP-SL-01 (11-09) Schedule of LocationsIL0017 (11-98) Common Policy ConditionsMOLD EXCL (10-01) Mold ExclusionSVBW-01 (03-05) Secured Vacant Building WarrantyNMA1256 Nuclear Incident Excl ClauseNMA2918 War/Terrorism ExclusionNMA2962 Biological/Chem Materials ExclLMA5020 (09-05) Service of Suit Clause (U.S.A.)LMA5021 (09-05) Applicable Law (U.S.A.)IL0255 (09-08) FL Changes Cancel/NonrenewalLMA5092 (01-08) TRIA Not Purchased ClauseTAP-PR-01 (11-09) Property Supplemental DecTAP-SM-01 (11-09) Schedule of Mortgage HoldersTAP-3G-1 (03-92) Glass Exclusion - VandalismTCP005 (09-99) Total or Constructive LossTAP-183G (03-10) Wind/Hail DeductibleForm 2340 (11-88) Endos/ExclusionsIL0401 (10-07) FL Sinkhole Loss CoverageProp-01 (07-08) Property ExclusionsIL0935 (04-98) Year 2000 ExcCP0010 (06-07) Bldg & Pers. Prop. CoverageCP0090 (07-88) Commercial Property ConditionsCP0140 (07-06) Excl - Loss Due to Virus or BactCP1032 (08-08) Water Exclusion EndorsementCP1010 (06-07) Causes of Loss - BasicCP0125 (07-08) FL ChangesCP0450 (07-88) Vacancy PermitTAP-GL-01 (11-09) GL Supplemental DecTAP-BRGL-02 (08-97) Construction Exc.TAP-SP-01 (05-03) Swimming Pool ExclusionSPGL-01 (05-09) Additional ExclusionsCG0001 (12-07) Comm Gen Liability Cov PartCG0068 (05-09) Recording & Distribution of MateCG0220 (12-07) FL Changes Cancel/NonrenewalCG2104 (11-85) Products/Completed Ops ExclCG2135 (10-01) Medical Payments ExclCG2136 (03-05) New Entities ExclCG2137 (10-01) Employees as Insureds ExclCG2138 (11-85) P & A ExclusionCG2139 (10-93) Contractual Liab LimitCG2144 (07-98) Designated Premises LimitationCG2145 (07-98) Fire Legal Liability ExclCG2160 (04-98) Year 2000 ExcTAP-128G (10-94) Optional Provisions Endt

SAMPLE

TP-SL-01 (11-09) Schedule of LocationsSAMPLE

TP-SL-01 (11-09) Schedule of LocationsIL0017 (11-98) Common Policy ConditionsSAMPLE

IL0017 (11-98) Common Policy ConditionsTP-SL-01 (11-09) Schedule of LocationsIL0017 (11-98) Common Policy ConditionsTP-SL-01 (11-09) Schedule of LocationsSAMPLE

TP-SL-01 (11-09) Schedule of LocationsIL0017 (11-98) Common Policy ConditionsTP-SL-01 (11-09) Schedule of Locations

MOLD EXCL (10-01) Mold ExclusionSAMPLE

MOLD EXCL (10-01) Mold ExclusionIL0017 (11-98) Common Policy ConditionsMOLD EXCL (10-01) Mold ExclusionIL0017 (11-98) Common Policy ConditionsSAMPLE

IL0017 (11-98) Common Policy ConditionsMOLD EXCL (10-01) Mold ExclusionIL0017 (11-98) Common Policy Conditions

SVBW-01 (03-05) Secured Vacant Building WarrantySAMPLE

SVBW-01 (03-05) Secured Vacant Building WarrantyMOLD EXCL (10-01) Mold ExclusionSVBW-01 (03-05) Secured Vacant Building WarrantyMOLD EXCL (10-01) Mold ExclusionSAMPLE

MOLD EXCL (10-01) Mold ExclusionSVBW-01 (03-05) Secured Vacant Building WarrantyMOLD EXCL (10-01) Mold Exclusion

NMA1256 Nuclear Incident Excl ClauseSAMPLE

NMA1256 Nuclear Incident Excl ClauseSVBW-01 (03-05) Secured Vacant Building WarrantyNMA1256 Nuclear Incident Excl ClauseSVBW-01 (03-05) Secured Vacant Building WarrantySAMPLE

SVBW-01 (03-05) Secured Vacant Building WarrantyNMA1256 Nuclear Incident Excl ClauseSVBW-01 (03-05) Secured Vacant Building Warranty

NMA2918 War/Terrorism ExclusionSAMPLE

NMA2918 War/Terrorism ExclusionNMA2962 Biological/Chem Materials ExclSAMPLE

NMA2962 Biological/Chem Materials ExclNMA2918 War/Terrorism ExclusionNMA2962 Biological/Chem Materials ExclNMA2918 War/Terrorism ExclusionSAMPLE

NMA2918 War/Terrorism ExclusionNMA2962 Biological/Chem Materials ExclNMA2918 War/Terrorism Exclusion

LMA5020 (09-05) Service of Suit Clause (U.S.A.)SAMPLE

LMA5020 (09-05) Service of Suit Clause (U.S.A.)NMA2962 Biological/Chem Materials ExclLMA5020 (09-05) Service of Suit Clause (U.S.A.)NMA2962 Biological/Chem Materials ExclSAMPLE

NMA2962 Biological/Chem Materials ExclLMA5020 (09-05) Service of Suit Clause (U.S.A.)NMA2962 Biological/Chem Materials Excl

LMA5021 (09-05) Applicable Law (U.S.A.)

SAMPLE

LMA5021 (09-05) Applicable Law (U.S.A.)LMA5020 (09-05) Service of Suit Clause (U.S.A.)LMA5021 (09-05) Applicable Law (U.S.A.)LMA5020 (09-05) Service of Suit Clause (U.S.A.)SAMPLE

LMA5020 (09-05) Service of Suit Clause (U.S.A.)LMA5021 (09-05) Applicable Law (U.S.A.)LMA5020 (09-05) Service of Suit Clause (U.S.A.)

IL0255 (09-08) FL Changes Cancel/Nonrenewal

SAMPLE

IL0255 (09-08) FL Changes Cancel/NonrenewalLMA5021 (09-05) Applicable Law (U.S.A.)IL0255 (09-08) FL Changes Cancel/NonrenewalLMA5021 (09-05) Applicable Law (U.S.A.)

SAMPLE

LMA5021 (09-05) Applicable Law (U.S.A.)IL0255 (09-08) FL Changes Cancel/NonrenewalLMA5021 (09-05) Applicable Law (U.S.A.)

LMA5092 (01-08) TRIA Not Purchased Clause

SAMPLE

LMA5092 (01-08) TRIA Not Purchased ClauseIL0255 (09-08) FL Changes Cancel/NonrenewalLMA5092 (01-08) TRIA Not Purchased ClauseIL0255 (09-08) FL Changes Cancel/Nonrenewal

SAMPLE

IL0255 (09-08) FL Changes Cancel/NonrenewalLMA5092 (01-08) TRIA Not Purchased ClauseIL0255 (09-08) FL Changes Cancel/Nonrenewal

TAP-PR-01 (11-09) Property Supplemental Dec

SAMPLE

TAP-PR-01 (11-09) Property Supplemental DecLMA5092 (01-08) TRIA Not Purchased ClauseTAP-PR-01 (11-09) Property Supplemental DecLMA5092 (01-08) TRIA Not Purchased Clause

SAMPLE

LMA5092 (01-08) TRIA Not Purchased ClauseTAP-PR-01 (11-09) Property Supplemental DecLMA5092 (01-08) TRIA Not Purchased Clause

TAP-SM-01 (11-09) Schedule of Mortgage Holders

SAMPLE

TAP-SM-01 (11-09) Schedule of Mortgage HoldersTAP-PR-01 (11-09) Property Supplemental DecTAP-SM-01 (11-09) Schedule of Mortgage HoldersTAP-PR-01 (11-09) Property Supplemental Dec

SAMPLE

TAP-PR-01 (11-09) Property Supplemental DecTAP-SM-01 (11-09) Schedule of Mortgage HoldersTAP-PR-01 (11-09) Property Supplemental Dec

TAP-3G-1 (03-92) Glass Exclusion - Vandalism

SAMPLE

TAP-3G-1 (03-92) Glass Exclusion - VandalismTAP-SM-01 (11-09) Schedule of Mortgage HoldersTAP-3G-1 (03-92) Glass Exclusion - VandalismTAP-SM-01 (11-09) Schedule of Mortgage Holders

SAMPLE

TAP-SM-01 (11-09) Schedule of Mortgage HoldersTAP-3G-1 (03-92) Glass Exclusion - VandalismTAP-SM-01 (11-09) Schedule of Mortgage Holders

TCP005 (09-99) Total or Constructive Loss

SAMPLE

TCP005 (09-99) Total or Constructive LossTAP-3G-1 (03-92) Glass Exclusion - VandalismTCP005 (09-99) Total or Constructive LossTAP-3G-1 (03-92) Glass Exclusion - Vandalism

SAMPLE

TAP-3G-1 (03-92) Glass Exclusion - VandalismTCP005 (09-99) Total or Constructive LossTAP-3G-1 (03-92) Glass Exclusion - Vandalism

TAP-183G (03-10) Wind/Hail Deductible

SAMPLETAP-183G (03-10) Wind/Hail DeductibleTCP005 (09-99) Total or Constructive LossTAP-183G (03-10) Wind/Hail DeductibleTCP005 (09-99) Total or Constructive Loss

SAMPLE

TCP005 (09-99) Total or Constructive LossTAP-183G (03-10) Wind/Hail DeductibleTCP005 (09-99) Total or Constructive Loss

Form 2340 (11-88) Endos/Exclusions

SAMPLEForm 2340 (11-88) Endos/ExclusionsTAP-183G (03-10) Wind/Hail DeductibleForm 2340 (11-88) Endos/ExclusionsTAP-183G (03-10) Wind/Hail Deductible

SAMPLETAP-183G (03-10) Wind/Hail DeductibleForm 2340 (11-88) Endos/ExclusionsTAP-183G (03-10) Wind/Hail Deductible

IL0401 (10-07) FL Sinkhole Loss Coverage

SAMPLEIL0401 (10-07) FL Sinkhole Loss CoverageForm 2340 (11-88) Endos/ExclusionsIL0401 (10-07) FL Sinkhole Loss CoverageForm 2340 (11-88) Endos/Exclusions

SAMPLEForm 2340 (11-88) Endos/ExclusionsIL0401 (10-07) FL Sinkhole Loss CoverageForm 2340 (11-88) Endos/Exclusions

Prop-01 (07-08) Property Exclusions

SAMPLEProp-01 (07-08) Property ExclusionsIL0401 (10-07) FL Sinkhole Loss CoverageProp-01 (07-08) Property ExclusionsIL0401 (10-07) FL Sinkhole Loss Coverage

SAMPLEIL0401 (10-07) FL Sinkhole Loss CoverageProp-01 (07-08) Property ExclusionsIL0401 (10-07) FL Sinkhole Loss Coverage

IL0935 (04-98) Year 2000 Exc

SAMPLEIL0935 (04-98) Year 2000 ExcProp-01 (07-08) Property ExclusionsIL0935 (04-98) Year 2000 ExcProp-01 (07-08) Property Exclusions

SAMPLEProp-01 (07-08) Property ExclusionsIL0935 (04-98) Year 2000 ExcProp-01 (07-08) Property Exclusions

CP0010 (06-07) Bldg & Pers. Prop. Coverage

SAMPLECP0010 (06-07) Bldg & Pers. Prop. CoverageIL0935 (04-98) Year 2000 ExcCP0010 (06-07) Bldg & Pers. Prop. CoverageIL0935 (04-98) Year 2000 Exc

SAMPLEIL0935 (04-98) Year 2000 ExcCP0010 (06-07) Bldg & Pers. Prop. CoverageIL0935 (04-98) Year 2000 Exc

CP0090 (07-88) Commercial Property Conditions

SAMPLECP0090 (07-88) Commercial Property ConditionsCP0010 (06-07) Bldg & Pers. Prop. CoverageCP0090 (07-88) Commercial Property ConditionsCP0010 (06-07) Bldg & Pers. Prop. Coverage

SAMPLECP0010 (06-07) Bldg & Pers. Prop. CoverageCP0090 (07-88) Commercial Property ConditionsCP0010 (06-07) Bldg & Pers. Prop. Coverage

CP0140 (07-06) Excl - Loss Due to Virus or Bact

SAMPLECP0140 (07-06) Excl - Loss Due to Virus or BactCP0090 (07-88) Commercial Property ConditionsCP0140 (07-06) Excl - Loss Due to Virus or BactCP0090 (07-88) Commercial Property Conditions

SAMPLECP0090 (07-88) Commercial Property ConditionsCP0140 (07-06) Excl - Loss Due to Virus or BactCP0090 (07-88) Commercial Property Conditions

CP1032 (08-08) Water Exclusion Endorsement

SAMPLECP1032 (08-08) Water Exclusion EndorsementCP0140 (07-06) Excl - Loss Due to Virus or BactCP1032 (08-08) Water Exclusion EndorsementCP0140 (07-06) Excl - Loss Due to Virus or Bact

SAMPLECP0140 (07-06) Excl - Loss Due to Virus or BactCP1032 (08-08) Water Exclusion EndorsementCP0140 (07-06) Excl - Loss Due to Virus or Bact

CP1010 (06-07) Causes of Loss - Basic

SAMPLECP1010 (06-07) Causes of Loss - BasicCP1032 (08-08) Water Exclusion EndorsementCP1010 (06-07) Causes of Loss - BasicCP1032 (08-08) Water Exclusion Endorsement

SAMPLECP1032 (08-08) Water Exclusion EndorsementCP1010 (06-07) Causes of Loss - BasicCP1032 (08-08) Water Exclusion Endorsement

CP0125 (07-08) FL Changes

SAMPLECP0125 (07-08) FL ChangesCP1010 (06-07) Causes of Loss - BasicCP0125 (07-08) FL ChangesCP1010 (06-07) Causes of Loss - Basic

SAMPLECP1010 (06-07) Causes of Loss - BasicCP0125 (07-08) FL ChangesCP1010 (06-07) Causes of Loss - Basic

CP0450 (07-88) Vacancy Permit

SAMPLECP0450 (07-88) Vacancy PermitCP0125 (07-08) FL ChangesCP0450 (07-88) Vacancy PermitCP0125 (07-08) FL Changes

SAMPLECP0125 (07-08) FL ChangesCP0450 (07-88) Vacancy PermitCP0125 (07-08) FL Changes

TAP-GL-01 (11-09) GL Supplemental Dec

SAMPLETAP-GL-01 (11-09) GL Supplemental DecCP0450 (07-88) Vacancy PermitTAP-GL-01 (11-09) GL Supplemental DecCP0450 (07-88) Vacancy Permit

SAMPLECP0450 (07-88) Vacancy PermitTAP-GL-01 (11-09) GL Supplemental DecCP0450 (07-88) Vacancy Permit

TAP-BRGL-02 (08-97) Construction Exc.

SAMPLETAP-BRGL-02 (08-97) Construction Exc.TAP-GL-01 (11-09) GL Supplemental DecTAP-BRGL-02 (08-97) Construction Exc.TAP-GL-01 (11-09) GL Supplemental Dec

SAMPLETAP-GL-01 (11-09) GL Supplemental DecTAP-BRGL-02 (08-97) Construction Exc.TAP-GL-01 (11-09) GL Supplemental Dec

TAP-SP-01 (05-03) Swimming Pool Exclusion

SAMPLETAP-SP-01 (05-03) Swimming Pool ExclusionTAP-BRGL-02 (08-97) Construction Exc.TAP-SP-01 (05-03) Swimming Pool ExclusionTAP-BRGL-02 (08-97) Construction Exc.

SAMPLETAP-BRGL-02 (08-97) Construction Exc.TAP-SP-01 (05-03) Swimming Pool ExclusionTAP-BRGL-02 (08-97) Construction Exc.

SPGL-01 (05-09) Additional Exclusions

SAMPLESPGL-01 (05-09) Additional ExclusionsTAP-SP-01 (05-03) Swimming Pool ExclusionSPGL-01 (05-09) Additional ExclusionsTAP-SP-01 (05-03) Swimming Pool Exclusion

SAMPLETAP-SP-01 (05-03) Swimming Pool ExclusionSPGL-01 (05-09) Additional ExclusionsTAP-SP-01 (05-03) Swimming Pool Exclusion

CG0001 (12-07) Comm Gen Liability Cov Part

SAMPLECG0001 (12-07) Comm Gen Liability Cov PartSPGL-01 (05-09) Additional ExclusionsCG0001 (12-07) Comm Gen Liability Cov PartSPGL-01 (05-09) Additional Exclusions

SAMPLESPGL-01 (05-09) Additional ExclusionsCG0001 (12-07) Comm Gen Liability Cov PartSPGL-01 (05-09) Additional Exclusions

SAMPLECG0068 (05-09) Recording & Distribution of Mate

SAMPLECG0068 (05-09) Recording & Distribution of MateCG0001 (12-07) Comm Gen Liability Cov PartCG0068 (05-09) Recording & Distribution of MateCG0001 (12-07) Comm Gen Liability Cov Part

SAMPLECG0001 (12-07) Comm Gen Liability Cov PartCG0068 (05-09) Recording & Distribution of MateCG0001 (12-07) Comm Gen Liability Cov Part

CG0220 (12-07) FL Changes Cancel/Nonrenewal

SAMPLECG0220 (12-07) FL Changes Cancel/NonrenewalCG0068 (05-09) Recording & Distribution of MateCG0220 (12-07) FL Changes Cancel/NonrenewalCG0068 (05-09) Recording & Distribution of Mate

SAMPLECG0068 (05-09) Recording & Distribution of MateCG0220 (12-07) FL Changes Cancel/NonrenewalCG0068 (05-09) Recording & Distribution of Mate

CG2104 (11-85) Products/Completed Ops Excl

SAMPLECG2104 (11-85) Products/Completed Ops ExclCG0220 (12-07) FL Changes Cancel/NonrenewalCG2104 (11-85) Products/Completed Ops ExclCG0220 (12-07) FL Changes Cancel/Nonrenewal

SAMPLECG0220 (12-07) FL Changes Cancel/NonrenewalCG2104 (11-85) Products/Completed Ops ExclCG0220 (12-07) FL Changes Cancel/Nonrenewal

CG2135 (10-01) Medical Payments Excl

SAMPLECG2135 (10-01) Medical Payments ExclCG2104 (11-85) Products/Completed Ops ExclCG2135 (10-01) Medical Payments ExclCG2104 (11-85) Products/Completed Ops Excl

SAMPLECG2104 (11-85) Products/Completed Ops ExclCG2135 (10-01) Medical Payments ExclCG2104 (11-85) Products/Completed Ops Excl

CG2136 (03-05) New Entities Excl

SAMPLECG2136 (03-05) New Entities ExclCG2135 (10-01) Medical Payments ExclCG2136 (03-05) New Entities ExclCG2135 (10-01) Medical Payments Excl

SAMPLECG2135 (10-01) Medical Payments ExclCG2136 (03-05) New Entities ExclCG2135 (10-01) Medical Payments Excl

CG2137 (10-01) Employees as Insureds Excl

SAMPLECG2137 (10-01) Employees as Insureds ExclCG2136 (03-05) New Entities ExclCG2137 (10-01) Employees as Insureds ExclCG2136 (03-05) New Entities Excl

SAMPLECG2136 (03-05) New Entities ExclCG2137 (10-01) Employees as Insureds ExclCG2136 (03-05) New Entities Excl

CG2139 (10-93) Contractual Liab Limit

SAMPLECG2139 (10-93) Contractual Liab LimitCG2144 (07-98) Designated Premises Limitation

SAMPLECG2144 (07-98) Designated Premises LimitationCG2139 (10-93) Contractual Liab LimitCG2144 (07-98) Designated Premises LimitationCG2139 (10-93) Contractual Liab Limit

SAMPLECG2139 (10-93) Contractual Liab LimitCG2144 (07-98) Designated Premises LimitationCG2139 (10-93) Contractual Liab Limit

CG2145 (07-98) Fire Legal Liability Excl

SAMPLECG2145 (07-98) Fire Legal Liability ExclCG2144 (07-98) Designated Premises LimitationCG2145 (07-98) Fire Legal Liability ExclCG2144 (07-98) Designated Premises Limitation

SAMPLECG2144 (07-98) Designated Premises LimitationCG2145 (07-98) Fire Legal Liability ExclCG2144 (07-98) Designated Premises Limitation

Claim Reporting Information

Our commitment to you is to provide fast, fair claim service. Promptly reporting an event that could lead to a claim, as required by your policy, helps us fulfill this commitment to you. Please refer to your policy for this and all other terms and conditions.

To report a claim, you can contact your agent or notify the Claims Department by calling or emailing

or faxing to

How To Report A Claim Directly to

Call or email or fax to

In order to expedite this process, please be prepared to furnish as much of the following information as possible:

Your Policy Number

Date, time, and location of the loss/accident

Details of the loss/accident

Name, address and phone number of any involved parties

If applicable, name of law enforcement agency or fire department along with the incident number

Claim Reporting Information

Our commitment to you is to provide fast, fair claim service. Promptly reporting an event that could lead to a claim, as required by your policy, helps us fulfill this commitment to you. Please refer to your policy for this and all other terms and conditions.

To report a claim, you can contact your agent or notify the Claims Department by calling or emailing

or faxing to

How To Report A Claim Directly to

Call or email or fax to

In order to expedite this process, please be prepared to furnish as much of the following information as possible:

Your Policy Number

Date, time, and location of the loss/accident

Details of the loss/accident

Name, address and phone number of any involved parties

If applicable, name of law enforcement agency or fire department along with the incident number

SAMPLE

To report a claim, you can contact your agent or notify the To report a claim, you can contact your agent or notify the To report a claim, you can contact your agent or notify the SAMPLE

To report a claim, you can contact your agent or notify the To report a claim, you can contact your agent or notify the To report a claim, you can contact your agent or notify the Claims Department by calling Claims Department by calling Claims Department by calling SAMPLE

Claims Department by calling Claims Department by calling Claims Department by calling SAMPLE

How To Report A Claim Directly to How To Report A Claim Directly to How To Report A Claim Directly to

SAMPLE

How To Report A Claim Directly to How To Report A Claim Directly to How To Report A Claim Directly to

or email or email or email

SAMPLE

or email or email or email

SAMPLEIn order to expedite this process, please be prepared to furnish as In order to expedite this process, please be prepared to furnish as In order to expedite this process, please be prepared to furnish as

SAMPLEIn order to expedite this process, please be prepared to furnish as In order to expedite this process, please be prepared to furnish as In order to expedite this process, please be prepared to furnish as much of the following information as possible:much of the following information as possible:much of the following information as possible:

SAMPLEmuch of the following information as possible:much of the following information as possible:much of the following information as possible:

Date, time, and location of the loss/accidentDate, time, and location of the loss/accidentDate, time, and location of the loss/accident

SAMPLEDate, time, and location of the loss/accidentDate, time, and location of the loss/accidentDate, time, and location of the loss/accident

Name, address and phone number of any involved partiesName, address and phone number of any involved partiesName, address and phone number of any involved parties

SAMPLEName, address and phone number of any involved partiesName, address and phone number of any involved partiesName, address and phone number of any involved parties

If applicable, name of law enforcement agency or fire If applicable, name of law enforcement agency or fire If applicable, name of law enforcement agency or fire

SAMPLEIf applicable, name of law enforcement agency or fire If applicable, name of law enforcement agency or fire If applicable, name of law enforcement agency or fire

SAMPLE

SAMPLE

SAMPLE

SAMPLE

SAMPLE

SAMPLE

SAMPLE

SAMPLE

FLOOD INSURANCE NOTICEPlease be advised that this policy does NOT

provide coverage for FLOODS.

You will NOT have coverage for FLOODSunless you purchase a separate policy of

FLOOD insurance.

FLOOD INSURANCE NOTICEPlease be advised that this policy does NOT

provide coverage for FLOODS.

You will NOT have coverage for FLOODSunless you purchase a separate policy of

FLOOD insurance.

Flood coverage may be available through the Federal Government's National Flood Insurance Program or through other sources.

You can obtain information about the National Flood Insurance Program by contacting your insurance agent or by going on the internet to www.FLOODSMART.gov or by calling 1-888-379-9531.

Flood coverage may be available through the Federal Government's National Flood Insurance Program or through other sources.

You can obtain information about the National Flood Insurance Program by contacting your insurance agent or by going on the internet to www.FLOODSMART.gov or by calling 1-888-379-9531.

SAMPLE

You will NOT have coverage for FLOODSYou will NOT have coverage for FLOODSYou will NOT have coverage for FLOODSSAMPLE

You will NOT have coverage for FLOODSYou will NOT have coverage for FLOODSYou will NOT have coverage for FLOODSunless you purchase a separate policy ofunless you purchase a separate policy ofunless you purchase a separate policy ofSAMPLE

unless you purchase a separate policy ofunless you purchase a separate policy ofunless you purchase a separate policy ofFLOOD insurance.FLOOD insurance.FLOOD insurance.SAMPLE

FLOOD insurance.FLOOD insurance.FLOOD insurance.

Government's National Flood Insurance Program or

SAMPLEGovernment's National Flood Insurance Program or Flood coverage may be available through the Federal Flood coverage may be available through the Federal Flood coverage may be available through the Federal

SAMPLE

Flood coverage may be available through the Federal Flood coverage may be available through the Federal Flood coverage may be available through the Federal Government's National Flood Insurance Program or Government's National Flood Insurance Program or Government's National Flood Insurance Program or

SAMPLEGovernment's National Flood Insurance Program or Government's National Flood Insurance Program or Government's National Flood Insurance Program or through other sources.through other sources.through other sources.

SAMPLEthrough other sources.through other sources.through other sources.

SAMPLEor by calling 1-888-379-9531.

SAMPLEor by calling 1-888-379-9531.

You can obtain information about the National Flood You can obtain information about the National Flood You can obtain information about the National Flood

SAMPLEYou can obtain information about the National Flood You can obtain information about the National Flood You can obtain information about the National Flood Insurance Program by contacting your insurance agent

SAMPLEInsurance Program by contacting your insurance agent Insurance Program by contacting your insurance agent Insurance Program by contacting your insurance agent Insurance Program by contacting your insurance agent

SAMPLEInsurance Program by contacting your insurance agent Insurance Program by contacting your insurance agent Insurance Program by contacting your insurance agent or by going on the internet to www.FLOODSMART.gov

SAMPLEor by going on the internet to www.FLOODSMART.gov or by going on the internet to www.FLOODSMART.gov or by going on the internet to www.FLOODSMART.gov or by going on the internet to www.FLOODSMART.gov

SAMPLEor by going on the internet to www.FLOODSMART.gov or by going on the internet to www.FLOODSMART.gov or by going on the internet to www.FLOODSMART.gov or by calling 1-888-379-9531.or by calling 1-888-379-9531.or by calling 1-888-379-9531.

SAMPLEor by calling 1-888-379-9531.or by calling 1-888-379-9531.or by calling 1-888-379-9531.

TP-SL-01 (11-09)

SCHEDULE OF LOCATIONS

Prem. Bldg. Designated PremisesNo. No. (Address, City, State, Zip Code) Occupancy

BUILDING TYPE:

Policy No.

Named Insured

Effective Date12:01 A.M. Standard Time

Agent No. 32303

01 01 Frame

VACANT BUILDING

Agent

SAMPLE

SAMPLE

BUILDING TYPE: SAMPLE

BUILDING TYPE: SAMPLE

COMMON POLICY CONDITIONS

IL 00 17 11 98 Copyright, Insurance Services Office, Inc., 1997 Page 1 of 1

All Coverage Parts included in this policy are subject to the following conditions.

A. Cancellation

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

2. We may cancel this policy by mailing or delivering to the first Named Insured written notice of cancellation at least:

a. 10 days before the effective date of cancellation if we cancel for nonpayment of premium; orb. 30 days before the effective date of cancellation if we cancel for any other reason.

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

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

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

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

B. Changes

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

C. 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; andc. Recommend changes.

2. We are not obligated to make any inspections, surveys, reports or recommendations and any such actions we do undertake relate only to insurability and the premiums to be charged. We do not make safety inspections. We do not undertake to perform the duty of any person or organization to provide for the health or safety of workers or the public. And we do not warrant that conditions:

a. Are safe or healthful; orb. Comply with laws, regulations, codes or standards.

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

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

E. Premiums

The first Named Insured shown in the Declarations:

1. Is responsible for the payment of all premiums; and2. Will be the payee for any return premiums we pay.

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 insured.

If you die, your rights and duties will be transferred 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 custody of your property will have your rights and duties but only with respect to that property.

Agent

SAMPLE

If this policy is cancelled, we will send the first Named Insured any premium refund due. If we cancel, the refund SAMPLE

If this policy is cancelled, we will send the first Named Insured any premium refund due. If we cancel, the refund will be pro rata. If the first Named Insured cancels, the refund may be less than pro rata. The cancellation will be SAMPLE

will be pro rata. If the first Named Insured cancels, the refund may be less than pro rata. The cancellation will be effective even if we have not made or offered a refund.SAMPLE

effective even if we have not made or offered a refund.

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

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

This policy contains all the agreements between you and us concerning the insurance afforded. The first Named

SAMPLE

This policy contains all the agreements between you and us concerning the insurance afforded. The first Named Insured shown in the Declarations is authorized to make changes in the terms of this policy with our consent. This

SAMPLE

Insured shown in the Declarations is authorized to make changes in the terms of this policy with our consent. This policy's terms can be amended or waived only by endorsement issued by us and made a part of this policy.

SAMPLE

policy's terms can be amended or waived only by endorsement issued by us and made a part of this policy.

Examination Of Your Books And Records

SAMPLE

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

SAMPLE

We may examine and audit your books and records as they relate to this policy at any time during the policy period

Make inspections and surveys at any time;

SAMPLEMake inspections and surveys at any time;Give you reports on the conditions we find; and

SAMPLEGive you reports on the conditions we find; and

We are not obligated to make any inspections, surveys, reports or recommendations and any such actions we do

SAMPLEWe are not obligated to make any inspections, surveys, reports or recommendations and any such actions we do undertake relate only to insurability and the premiums to be charged. We do not make safety inspections. We do

SAMPLEundertake 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

SAMPLEnot undertake to perform the duty of any person or organization to provide for the health or safety of workers or

Paragraphs 1. and 2. of this condition apply not only to us, but also to any rating, advisory, rate service or similar

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

SAMPLEorganization which makes insurance inspections, surveys, reports or recommendations.

SAMPLEParagraph 2. of this condition does not apply to any inspections, surveys, reports or recommendations we may

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

SAMPLEmake relative to certification, under state or municipal statutes, ordinances or regulations, of boilers, pressure

THIS ENDORSEMENT CHANGES THE POLICY - PLEASE READ CAREFULLY

The following provision changes coverage afforded by the Policy:

TOTAL "MOLD" EXCLUSION

Commercial General Liability Total Mold ExclusionMOLD EXCL (10-01)

Notwithstanding anything to the contrary contained in the Policy,:

This insurance does not apply to "bodily injury", "property damage", "personal injury", "advertising injury", "medical payments" arising out of, resulting from, caused by, contributed to, or in any way related to any "mold".

This exclusion applies to all "bodily injury", "property damage", and "medical payments" included in the "products-completed operations hazard". This exclusion also applies to all "bodily injury", "property damage" and "medical payments" which is not included in the "products-completed operations hazard".

This exclusion also applies to any loss, cost or expense arising out of or associated, in any way, with any:

1) request, demand, or order that any insured or others abate, mitigate, test for, monitor, remediate, clean up, remove, contain, treat, detoxify, kill, destroy, dispose of, investigate or neutralize, or in any way respond to or assess the presence or effects of "mold"; or

2) claim or suit on behalf of any person, entity, or organization, including any governmentalauthority, for damages because of abating, mitigating, testing for, monitoring, remediating,clean up, removing, containing, treating, detoxifying, killing, destroying, disposing of, investigating, or neutralizing, or in any way responding to, or assessing, the effects of"mold"; or

3) any obligation to share with, repay, or indemnify any person, organization or entity, relatedin any way to items 1) and 2) above.

We will not defend any claim or suit, or pay any damages, loss, expense, cost, or obligation caused directly or indirectly by, arising out of, resulting from, contributed to by, or related in an way to "mold".

The following definition is added to the Policy;

"Mold" means any species of fungi, including, but not limited to, mold, yeast, mildew, spores, mold toxins, mycotoxins, mold metabolites, mold antigens, mold allergens, mold-produced antibiotics, or dust or fumes containing any of the foregoing, individually, or in any combination therewith or with another substance.

SAMPLE

This insurance does not apply to "bodily injury", "property damage", "personal injury", "advertising SAMPLE

This insurance does not apply to "bodily injury", "property damage", "personal injury", "advertising injury", "medical payments" arising out of, resulting from, caused by, contributed to, or in any way SAMPLE

injury", "medical payments" arising out of, resulting from, caused by, contributed to, or in any way related to any "mold".SAMPLE

related to any "mold".

This exclusion applies to all "bodily injury", "property damage", and "medical payments" included in SAMPLE

This exclusion applies to all "bodily injury", "property damage", and "medical payments" included in the "products-completed operations hazard". This exclusion also applies to all "bodily injury", SAMPLE

the "products-completed operations hazard". This exclusion also applies to all "bodily injury", "property damage" and "medical payments" which is not included in the "products-completed SAMPLE

"property damage" and "medical payments" which is not included in the "products-completed operations hazard".

SAMPLE

operations hazard".

This exclusion also applies to any loss, cost or expense arising out of or associated, in any way,

SAMPLE

This exclusion also applies to any loss, cost or expense arising out of or associated, in any way,

request, demand, or order that any insured or others abate, mitigate, test for, monitor,

SAMPLE

request, demand, or order that any insured or others abate, mitigate, test for, monitor, remediate, clean up, remove, contain, treat, detoxify, kill, destroy, dispose of, investigate or

SAMPLEremediate, clean up, remove, contain, treat, detoxify, kill, destroy, dispose of, investigate or neutralize, or in any way respond to or assess the presence or effects of "mold"; or

SAMPLEneutralize, or in any way respond to or assess the presence or effects of "mold"; or

claim or suit on behalf of any person, entity, or organization, including any governmental

SAMPLEclaim or suit on behalf of any person, entity, or organization, including any governmentalauthority, for damages because of abating, mitigating, testing for, monitoring, remediating,

SAMPLEauthority, for damages because of abating, mitigating, testing for, monitoring, remediating,clean up, removing, containing, treating, detoxifying, killing, destroying, disposing of,

SAMPLEclean up, removing, containing, treating, detoxifying, killing, destroying, disposing of, investigating, or neutralizing, or in any way responding to, or assessing, the effects of

SAMPLEinvestigating, or neutralizing, or in any way responding to, or assessing, the effects of

any obligation to share with, repay, or indemnify any person, organization or entity, related

SAMPLEany obligation to share with, repay, or indemnify any person, organization or entity, related

SAMPLEWe will not defend any claim or suit, or pay any damages, loss, expense, cost, or obligation caused

SAMPLEWe will not defend any claim or suit, or pay any damages, loss, expense, cost, or obligation caused directly or indirectly by, arising out of, resulting from, contributed to by, or related in an way to

SAMPLEdirectly or indirectly by, arising out of, resulting from, contributed to by, or related in an way to

"Mold" means any species of fungi, including, but not limited to, mold, yeast, mildew, spores, mold

SAMPLE"Mold" means any species of fungi, including, but not limited to, mold, yeast, mildew, spores, mold toxins, mycotoxins, mold metabolites, mold antigens, mold allergens, mold-produced antibiotics,

SAMPLEtoxins, mycotoxins, mold metabolites, mold antigens, mold allergens, mold-produced antibiotics, or dust or fumes containing any of the foregoing, individually, or in any combination therewith or

SAMPLEor dust or fumes containing any of the foregoing, individually, or in any combination therewith or

THIS ENDORSEMENT CHANGES THE POLICY - PLEASE READ CAREFULLY

The following provision changes coverage afforded by the Policy:

TOTAL "MOLD" EXCLUSION

Commercial Property Total Mold ExclusionMOLD EXCL (10-01)

Notwithstanding anything to the contrary contained in the Policy,:

We will not pay for loss, damage, cost, or expense caused directly or indirectly by , arising out of, resulting from, contributed to by, or related in any way to "mold". Loss, damage, cost, or expense caused directly or indirectly by, arising out of, resulting from, contributed to by, or related in any way to "mold" is excluded regardless of any other cause or event that contributes concurrently, or in any sequence with, the loss, damage, cost or expense.

The following definition is added to the Policy;

"Mold" means any species of fungi, including, but not limited to, mold, yeast, mildew, spores, mold toxins, mycotoxins, mold metabolites, mold antigens, mold allergens, mold-produced antibiotics, or dust or fumes containing any of the foregoing individually, or in any combination therewith or another substance.

SAMPLE

Notwithstanding anything to the contrary contained in the Policy,:SAMPLE

Notwithstanding anything to the contrary contained in the Policy,:

We will not pay for loss, damage, cost, or expense caused directly or indirectly by , arising out of, SAMPLE

We will not pay for loss, damage, cost, or expense caused directly or indirectly by , arising out of, resulting from, contributed to by, or related in any way to "mold". Loss, damage, cost, or expense SAMPLE

resulting from, contributed to by, or related in any way to "mold". Loss, damage, cost, or expense caused directly or indirectly by, arising out of, resulting from, contributed to by, or related in any

SAMPLE

caused directly or indirectly by, arising out of, resulting from, contributed to by, or related in any way to "mold" is excluded regardless of any other cause or event that contributes concurrently, or

SAMPLE

way to "mold" is excluded regardless of any other cause or event that contributes concurrently, or in any sequence with, the loss, damage, cost or expense.

SAMPLE

in any sequence with, the loss, damage, cost or expense.

The following definition is added to the Policy;

SAMPLEThe following definition is added to the Policy;

"Mold" means any species of fungi, including, but not limited to, mold, yeast, mildew, spores, mold

SAMPLE"Mold" means any species of fungi, including, but not limited to, mold, yeast, mildew, spores, mold

SAMPLEtoxins, mycotoxins, mold metabolites, mold antigens, mold allergens, mold-produced antibiotics,

SAMPLEtoxins, mycotoxins, mold metabolites, mold antigens, mold allergens, mold-produced antibiotics, or dust or fumes containing any of the foregoing individually, or in any combination therewith or

SAMPLEor dust or fumes containing any of the foregoing individually, or in any combination therewith or

SECURED VACANT BUILDING WARRANTY

SVBW-01 (03/05)

The assured warrants that all doors, windows, and other ways of access to the insured building shall be securely locked and/or boarded up to prevent unauthorized entrance at all times during the policy period.

SAMPLE

SAMPLE

NMA1256NMA1256

NUCLEAR INCIDENT EXCLUSION CLAUSE - LIABILITY - DIRECT (BROAD)(Approved by Lloyd's Underwriters' Non-Marine Association)

For attachment to insurances of the following classifications in the U.S.A., it's Territories and Possessions, Puerto Rico and the Canal Zone: -

Owners, Landlords and Tenants Liability, Contractual Liability, Elevator Liability, Owners or Contractors (including railroad) Protective Liability, Manufacturers and Contractors Liability, Product Liability, Professional and MalpracticeLiability, Storekeepers Liability, Garage Liability, Automotive Liability (including Massachusetts Motor Vehicle orGarage Liability).

not being insurance's of the classifications to which the Nuclear Incident Exclusions Clause - Liability - Direct (Limited) applies.

This policy*does not apply: -

I Under any Liability Coverage, to injury, sickness, disease, death or destruction(a) With respect to which an insured under the policy is also an insured under a nuclear energy

liability policy issued by Nuclear Energy Liability Insurance Association, Mutual Atomic EnergyLiability Underwriters or Nuclear Insurance Association of Canada, or would be an insured underany such policy but for its termination upon exhaustion of its limit of liability; or

(b) Resulting from the hazardous properties of nuclear material and with respect to which (1) anyperson or organization is required to maintain financial protection pursuant to the Atomic EnergyAct of 1954, or any law amendatory thereof, of (2) the insured is, or had this policy not been issued would be, entitled to indemnity from the United States of America, or any agency thereof,under any agreement entered into by the United States of America, or any agency thereof, witha person or organization.

II Under any Medical Payments Coverage, or under any Supplementary Payments Provision relating toimmediate medical or surgical relief, to expenses incurred with respect to bodily injury, sickness, disease ordeath resulting from the hazardous properties of nuclear material and arising out of the operation of a nuclearfacility by any person or organization.

III Under any Liability Coverage, to injury, sickness, disease, death, or destruction resulting from the hazardousproperties of nuclear material, if

(a) the nuclear material (1) is at any nuclear facility owned by, or operated by or on behalf of, aninsured or (2) has been discharged or dispersed therefrom;

(b) the nuclear material is contained in spent fuel or waste at any time possessed, handled, usedprocessed, stored, transported or disposed of by or on behalf of an insured; or

(c) the injury, sickness, disease, death or destruction arises out of the furnishing by an insured ofservices, materials, parts or equipment in connection with the planning, construction, maintenance, operation or use of any nuclear facility, but if such facility is located within theUnited States of America, its territories or possessions or Canada, this exclusion (c) applies onlyto injury to or destruction of property at such nuclear facility.

IV As used in this endorsement:"hazardous properties" include radioactive, toxic or explosive properties: "nuclear material" meanssource material, special nuclear material or byproduct material; "source material", "special nuclearmaterial", and "byproduct material" have the meanings given them in the Atomic Energy Act 1954 or inany law amendatory thereof; "spent fuel" means any fuel element or fuel component, solid or liquid, whichhas been used or exposed to radiation in a nuclear reactor; "waste" means any waste material (1) continuing byproduct material and (2) resulting from the operation by any person or organization of any nuclear facility included within the definition of nuclear facility under paragraph (a) or (b) thereof; "nuclearfacility" 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 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 wheresuch equipment or device is located consists of or contains more than 25 grams of plutonium oruranium 233 or any combination thereof, or more than 250 grams of uranium 235,

(d) any structure, basin, excavation, premises or place prepared or used for the storage or disposalof waste.

and includes the site on which any of the foregoing is located, all operations conducted on such site and allpremises used for such operations; "nuclear reactor" means any apparatus designed or used to sustain nuclearfission in a self-supporting chain reaction or to contain a critical mass of fissionable material. With respect to injuryto or destruction of property, the word "injury" or "destruction" includes all forms of radioactive contamination ofproperty.

It is understood and agreed that, except as specifically provided in the foregoing to the contrary, this clause is subjectto the terms, exclusions, conditions and limitations of the Policy to which it is attached.

*NOTE:- As respects policies which afford liability coverage's and other forms of coverage's in addition, the wordsunderlined should be amended to designate the liability coverage to which this clause is to apply.

NUCLEAR INCIDENT EXCLUSION CLAUSE - LIABILITY - DIRECT (BROAD)(Approved by Lloyd's Underwriters' Non-Marine Association)

For attachment to insurances of the following classifications in the U.S.A., it's Territories and Possessions, Puerto Rico and the Canal Zone: -

Owners, Landlords and Tenants Liability, Contractual Liability, Elevator Liability, Owners or Contractors (including railroad) Protective Liability, Manufacturers and Contractors Liability, Product Liability, Professional and MalpracticeLiability, Storekeepers Liability, Garage Liability, Automotive Liability (including Massachusetts Motor Vehicle orGarage Liability).

not being insurance's of the classifications to which the Nuclear Incident Exclusions Clause - Liability - Direct (Limited) applies.

This policy*does not apply: -

I Under any Liability Coverage, to injury, sickness, disease, death or destruction(a) With respect to which an insured under the policy is also an insured under a nuclear energy

liability policy issued by Nuclear Energy Liability Insurance Association, Mutual Atomic EnergyLiability Underwriters or Nuclear Insurance Association of Canada, or would be an insured underany such policy but for its termination upon exhaustion of its limit of liability; or

(b) Resulting from the hazardous properties of nuclear material and with respect to which (1) anyperson or organization is required to maintain financial protection pursuant to the Atomic EnergyAct of 1954, or any law amendatory thereof, of (2) the insured is, or had this policy not been issued would be, entitled to indemnity from the United States of America, or any agency thereof,under any agreement entered into by the United States of America, or any agency thereof, witha person or organization.

II Under any Medical Payments Coverage, or under any Supplementary Payments Provision relating toimmediate medical or surgical relief, to expenses incurred with respect to bodily injury, sickness, disease ordeath resulting from the hazardous properties of nuclear material and arising out of the operation of a nuclearfacility by any person or organization.

III Under any Liability Coverage, to injury, sickness, disease, death, or destruction resulting from the hazardousproperties of nuclear material, if

(a) the nuclear material (1) is at any nuclear facility owned by, or operated by or on behalf of, aninsured or (2) has been discharged or dispersed therefrom;

(b) the nuclear material is contained in spent fuel or waste at any time possessed, handled, usedprocessed, stored, transported or disposed of by or on behalf of an insured; or

(c) the injury, sickness, disease, death or destruction arises out of the furnishing by an insured ofservices, materials, parts or equipment in connection with the planning, construction, maintenance, operation or use of any nuclear facility, but if such facility is located within theUnited States of America, its territories or possessions or Canada, this exclusion (c) applies onlyto injury to or destruction of property at such nuclear facility.

IV As used in this endorsement:"hazardous properties" include radioactive, toxic or explosive properties: "nuclear material" meanssource material, special nuclear material or byproduct material; "source material", "special nuclearmaterial", and "byproduct material" have the meanings given them in the Atomic Energy Act 1954 or inany law amendatory thereof; "spent fuel" means any fuel element or fuel component, solid or liquid, whichhas been used or exposed to radiation in a nuclear reactor; "waste" means any waste material (1) continuing byproduct material and (2) resulting from the operation by any person or organization of any nuclear facility included within the definition of nuclear facility under paragraph (a) or (b) thereof; "nuclearfacility" 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 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 wheresuch equipment or device is located consists of or contains more than 25 grams of plutonium oruranium 233 or any combination thereof, or more than 250 grams of uranium 235,

(d) any structure, basin, excavation, premises or place prepared or used for the storage or disposalof waste.

and includes the site on which any of the foregoing is located, all operations conducted on such site and allpremises used for such operations; "nuclear reactor" means any apparatus designed or used to sustain nuclearfission in a self-supporting chain reaction or to contain a critical mass of fissionable material. With respect to injuryto or destruction of property, the word "injury" or "destruction" includes all forms of radioactive contamination ofproperty.

It is understood and agreed that, except as specifically provided in the foregoing to the contrary, this clause is subjectto the terms, exclusions, conditions and limitations of the Policy to which it is attached.

*NOTE:- As respects policies which afford liability coverage's and other forms of coverage's in addition, the wordsunderlined should be amended to designate the liability coverage to which this clause is to apply.

SAMPLE

any such policy but for its termination upon exhaustion of its limit of liability; orany such policy but for its termination upon exhaustion of its limit of liability; orany such policy but for its termination upon exhaustion of its limit of liability; orSAMPLE

any such policy but for its termination upon exhaustion of its limit of liability; orany such policy but for its termination upon exhaustion of its limit of liability; orany such policy but for its termination upon exhaustion of its limit of liability; orResulting from the hazardous properties of nuclear material and with respect to which (1) anyResulting from the hazardous properties of nuclear material and with respect to which (1) anyResulting from the hazardous properties of nuclear material and with respect to which (1) anySAMPLE

Resulting from the hazardous properties of nuclear material and with respect to which (1) anyResulting from the hazardous properties of nuclear material and with respect to which (1) anyResulting from the hazardous properties of nuclear material and with respect to which (1) anyperson or organization is required to maintain financial protection pursuant to the Atomic Energyperson or organization is required to maintain financial protection pursuant to the Atomic Energyperson or organization is required to maintain financial protection pursuant to the Atomic EnergySAMPLE

person or organization is required to maintain financial protection pursuant to the Atomic Energyperson or organization is required to maintain financial protection pursuant to the Atomic Energyperson or organization is required to maintain financial protection pursuant to the Atomic EnergyAct of 1954, or any law amendatory thereof, of (2) the insured is, or had this policy not been Act of 1954, or any law amendatory thereof, of (2) the insured is, or had this policy not been Act of 1954, or any law amendatory thereof, of (2) the insured is, or had this policy not been SAMPLE

Act of 1954, or any law amendatory thereof, of (2) the insured is, or had this policy not been Act of 1954, or any law amendatory thereof, of (2) the insured is, or had this policy not been Act of 1954, or any law amendatory thereof, of (2) the insured is, or had this policy not been issued would be, entitled to indemnity from the United States of America, or any agency thereof,issued would be, entitled to indemnity from the United States of America, or any agency thereof,issued would be, entitled to indemnity from the United States of America, or any agency thereof,SAMPLE

issued would be, entitled to indemnity from the United States of America, or any agency thereof,issued would be, entitled to indemnity from the United States of America, or any agency thereof,issued would be, entitled to indemnity from the United States of America, or any agency thereof,under any agreement entered into by the United States of America, or any agency thereof, withunder any agreement entered into by the United States of America, or any agency thereof, withunder any agreement entered into by the United States of America, or any agency thereof, withSAMPLE

under any agreement entered into by the United States of America, or any agency thereof, withunder any agreement entered into by the United States of America, or any agency thereof, withunder any agreement entered into by the United States of America, or any agency thereof, witha person or organization.a person or organization.a person or organization.

SAMPLE

a person or organization.a person or organization.a person or organization.Under any Medical Payments Coverage, or under any Supplementary Payments Provision relating toUnder any Medical Payments Coverage, or under any Supplementary Payments Provision relating toUnder any Medical Payments Coverage, or under any Supplementary Payments Provision relating to

SAMPLE

Under any Medical Payments Coverage, or under any Supplementary Payments Provision relating toUnder any Medical Payments Coverage, or under any Supplementary Payments Provision relating toUnder any Medical Payments Coverage, or under any Supplementary Payments Provision relating toimmediate medical or surgical relief, to expenses incurred with respect to bodily injury, sickness, disease orimmediate medical or surgical relief, to expenses incurred with respect to bodily injury, sickness, disease orimmediate medical or surgical relief, to expenses incurred with respect to bodily injury, sickness, disease or

SAMPLE

immediate medical or surgical relief, to expenses incurred with respect to bodily injury, sickness, disease orimmediate medical or surgical relief, to expenses incurred with respect to bodily injury, sickness, disease orimmediate medical or surgical relief, to expenses incurred with respect to bodily injury, sickness, disease ordeath resulting from the hazardous properties of nuclear material and arising out of the operation of a nucleardeath resulting from the hazardous properties of nuclear material and arising out of the operation of a nucleardeath resulting from the hazardous properties of nuclear material and arising out of the operation of a nuclear

SAMPLE

death resulting from the hazardous properties of nuclear material and arising out of the operation of a nucleardeath resulting from the hazardous properties of nuclear material and arising out of the operation of a nucleardeath resulting from the hazardous properties of nuclear material and arising out of the operation of a nuclearfacility by any person or organization.facility by any person or organization.facility by any person or organization.

SAMPLE

facility by any person or organization.facility by any person or organization.facility by any person or organization.Under any Liability Coverage, to injury, sickness, disease, death, or destruction resulting from the hazardousUnder any Liability Coverage, to injury, sickness, disease, death, or destruction resulting from the hazardousUnder any Liability Coverage, to injury, sickness, disease, death, or destruction resulting from the hazardous

SAMPLE

Under any Liability Coverage, to injury, sickness, disease, death, or destruction resulting from the hazardousUnder any Liability Coverage, to injury, sickness, disease, death, or destruction resulting from the hazardousUnder any Liability Coverage, to injury, sickness, disease, death, or destruction resulting from the hazardousproperties of nuclear material, ifproperties of nuclear material, ifproperties of nuclear material, if

SAMPLEproperties of nuclear material, ifproperties of nuclear material, ifproperties of nuclear material, if

the nuclear material (1) is at any nuclear facility owned by, or operated by or on behalf of, anthe nuclear material (1) is at any nuclear facility owned by, or operated by or on behalf of, anthe nuclear material (1) is at any nuclear facility owned by, or operated by or on behalf of, an

SAMPLEthe nuclear material (1) is at any nuclear facility owned by, or operated by or on behalf of, anthe nuclear material (1) is at any nuclear facility owned by, or operated by or on behalf of, anthe nuclear material (1) is at any nuclear facility owned by, or operated by or on behalf of, aninsured or (2) has been discharged or dispersed therefrom;insured or (2) has been discharged or dispersed therefrom;insured or (2) has been discharged or dispersed therefrom;

SAMPLEinsured or (2) has been discharged or dispersed therefrom;insured or (2) has been discharged or dispersed therefrom;insured or (2) has been discharged or dispersed therefrom;the nuclear material is contained in spent fuel or waste at any time possessed, handled, usedthe nuclear material is contained in spent fuel or waste at any time possessed, handled, usedthe nuclear material is contained in spent fuel or waste at any time possessed, handled, used

SAMPLEthe nuclear material is contained in spent fuel or waste at any time possessed, handled, usedthe nuclear material is contained in spent fuel or waste at any time possessed, handled, usedthe nuclear material is contained in spent fuel or waste at any time possessed, handled, usedprocessed, stored, transported or disposed of by or on behalf of an insured; orprocessed, stored, transported or disposed of by or on behalf of an insured; orprocessed, stored, transported or disposed of by or on behalf of an insured; or

SAMPLEprocessed, stored, transported or disposed of by or on behalf of an insured; orprocessed, stored, transported or disposed of by or on behalf of an insured; orprocessed, stored, transported or disposed of by or on behalf of an insured; orthe injury, sickness, disease, death or destruction arises out of the furnishing by an insured ofthe injury, sickness, disease, death or destruction arises out of the furnishing by an insured ofthe injury, sickness, disease, death or destruction arises out of the furnishing by an insured of

SAMPLEthe injury, sickness, disease, death or destruction arises out of the furnishing by an insured ofthe injury, sickness, disease, death or destruction arises out of the furnishing by an insured ofthe injury, sickness, disease, death or destruction arises out of the furnishing by an insured ofservices, materials, parts or equipment in connection with the planning, construction, services, materials, parts or equipment in connection with the planning, construction, services, materials, parts or equipment in connection with the planning, construction,

SAMPLEservices, materials, parts or equipment in connection with the planning, construction, services, materials, parts or equipment in connection with the planning, construction, services, materials, parts or equipment in connection with the planning, construction, maintenance, operation or use of any nuclear facility, but if such facility is located within themaintenance, operation or use of any nuclear facility, but if such facility is located within themaintenance, operation or use of any nuclear facility, but if such facility is located within the

SAMPLEmaintenance, operation or use of any nuclear facility, but if such facility is located within themaintenance, operation or use of any nuclear facility, but if such facility is located within themaintenance, operation or use of any nuclear facility, but if such facility is located within theUnited States of America, its territories or possessions or Canada, this exclusion (c) applies onlyUnited States of America, its territories or possessions or Canada, this exclusion (c) applies onlyUnited States of America, its territories or possessions or Canada, this exclusion (c) applies only

SAMPLEUnited States of America, its territories or possessions or Canada, this exclusion (c) applies onlyUnited States of America, its territories or possessions or Canada, this exclusion (c) applies onlyUnited States of America, its territories or possessions or Canada, this exclusion (c) applies onlyto injury to or destruction of property at such nuclear facility.to injury to or destruction of property at such nuclear facility.to injury to or destruction of property at such nuclear facility.

SAMPLEto injury to or destruction of property at such nuclear facility.to injury to or destruction of property at such nuclear facility.to injury to or destruction of property at such nuclear facility.

include radioactive, toxic or explosive properties: include radioactive, toxic or explosive properties: include radioactive, toxic or explosive properties:

SAMPLE include radioactive, toxic or explosive properties: include radioactive, toxic or explosive properties: include radioactive, toxic or explosive properties:source material, special nuclear material or byproduct material; source material, special nuclear material or byproduct material; source material, special nuclear material or byproduct material;

SAMPLEsource material, special nuclear material or byproduct material; source material, special nuclear material or byproduct material; source material, special nuclear material or byproduct material; "source material" "source material" "source material"

SAMPLE "source material" "source material" "source material" have the meanings given them in the Atomic Energy Act 1954 or in have the meanings given them in the Atomic Energy Act 1954 or in have the meanings given them in the Atomic Energy Act 1954 or in

SAMPLE have the meanings given them in the Atomic Energy Act 1954 or in have the meanings given them in the Atomic Energy Act 1954 or in have the meanings given them in the Atomic Energy Act 1954 or in means any fuel element or fuel component, solid or liquid, which means any fuel element or fuel component, solid or liquid, which means any fuel element or fuel component, solid or liquid, which

SAMPLE means any fuel element or fuel component, solid or liquid, which means any fuel element or fuel component, solid or liquid, which means any fuel element or fuel component, solid or liquid, whichhas been used or exposed to radiation in a nuclear reactor;has been used or exposed to radiation in a nuclear reactor;has been used or exposed to radiation in a nuclear reactor;

SAMPLEhas been used or exposed to radiation in a nuclear reactor;has been used or exposed to radiation in a nuclear reactor;has been used or exposed to radiation in a nuclear reactor;

SAMPLE"waste""waste""waste"

SAMPLE"waste""waste""waste" means any waste material (1) means any waste material (1) means any waste material (1)

SAMPLE means any waste material (1) means any waste material (1) means any waste material (1) continuing byproduct material and (2) resulting from the operation by any person or organization of any continuing byproduct material and (2) resulting from the operation by any person or organization of any continuing byproduct material and (2) resulting from the operation by any person or organization of any

SAMPLEcontinuing byproduct material and (2) resulting from the operation by any person or organization of any continuing byproduct material and (2) resulting from the operation by any person or organization of any continuing byproduct material and (2) resulting from the operation by any person or organization of any nuclear facility included within the definition of nuclear facility under paragraph (a) or (b) thereof;nuclear facility included within the definition of nuclear facility under paragraph (a) or (b) thereof;nuclear facility included within the definition of nuclear facility under paragraph (a) or (b) thereof;

SAMPLEnuclear facility included within the definition of nuclear facility under paragraph (a) or (b) thereof;nuclear facility included within the definition of nuclear facility under paragraph (a) or (b) thereof;nuclear facility included within the definition of nuclear facility under paragraph (a) or (b) thereof;

SAMPLEany equipment or device designed or used for (1) separating the isotopes of uranium orany equipment or device designed or used for (1) separating the isotopes of uranium orany equipment or device designed or used for (1) separating the isotopes of uranium or

SAMPLEany equipment or device designed or used for (1) separating the isotopes of uranium orany equipment or device designed or used for (1) separating the isotopes of uranium orany equipment or device designed or used for (1) separating the isotopes of uranium orplutonium, (2) processing or utilizing spent fuel, or (3) handling, processing or packaging waste,plutonium, (2) processing or utilizing spent fuel, or (3) handling, processing or packaging waste,plutonium, (2) processing or utilizing spent fuel, or (3) handling, processing or packaging waste,

SAMPLEplutonium, (2) processing or utilizing spent fuel, or (3) handling, processing or packaging waste,plutonium, (2) processing or utilizing spent fuel, or (3) handling, processing or packaging waste,plutonium, (2) processing or utilizing spent fuel, or (3) handling, processing or packaging waste,

WAR AND TERRORISM EXCLUSION ENDORSEMENT

NMA291808/10/2001

WAR AND TERRORISM EXCLUSION ENDORSEMENT

NMA291808/10/2001

Notwithstanding any provision to the contrary within this insurance or any endorsement thereto it is agreed that this insurance excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any of the following regardless of any other cause or event contributing concurrently or in any other sequence to the loss;

1) war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civilwar, rebellion, revolution, insurrection, civil commotionassuming the proportions of or amounting to an uprising, military or usurped power; or

2) any act of terrorism.For the purpose of this endorsement an act of terrorism meansan act, including but not limited to the use of force orviolence and/or the threat thereof, of any person or group(s)of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s), committed for political, religious, ideological or similarpurposes including the intention to influence any governmentand/or to put the pubic, or any section of the public, in fear.

This endorsement also excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or in any way relating to (1) and (2) above.

If the Underwriters allege that by reason of this exclusion, any loss, damage, cost or expense is not covered by this insurance the burden of proving the contrary shall be upon the Assured.

In the event any portion of this endorsement is found to be invalid or unenforceable, the remainder shall remain in full force and effect.

Notwithstanding any provision to the contrary within this insurance or any endorsement thereto it is agreed that this insurance excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any of the following regardless of any other cause or event contributing concurrently or in any other sequence to the loss;

1) war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civilwar, rebellion, revolution, insurrection, civil commotionassuming the proportions of or amounting to an uprising, military or usurped power; or

2) any act of terrorism.For the purpose of this endorsement an act of terrorism meansan act, including but not limited to the use of force orviolence and/or the threat thereof, of any person or group(s)of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s), committed for political, religious, ideological or similarpurposes including the intention to influence any governmentand/or to put the pubic, or any section of the public, in fear.

This endorsement also excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or in any way relating to (1) and (2) above.

If the Underwriters allege that by reason of this exclusion, any loss, damage, cost or expense is not covered by this insurance the burden of proving the contrary shall be upon the Assured.

In the event any portion of this endorsement is found to be invalid or unenforceable, the remainder shall remain in full force and effect.

SAMPLE

assuming the proportions of or amounting to an uprising, SAMPLE

assuming the proportions of or amounting to an uprising, military or usurped power; orSAMPLE

military or usurped power; or

any act of terrorism.SAMPLE

any act of terrorism.For the purpose of this endorsement an act of terrorism meansSAMPLE

For the purpose of this endorsement an act of terrorism meansan act, including but not limited to the use of force orSAMPLE

an act, including but not limited to the use of force orviolence and/or the threat thereof, of any person or group(s)SAMPLE

violence and/or the threat thereof, of any person or group(s)of persons, whether acting alone or on behalf of or in

SAMPLE

of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s),

SAMPLE

connection with any organization(s) or government(s), committed for political, religious, ideological or similar

SAMPLE

committed for political, religious, ideological or similarpurposes including the intention to influence any government

SAMPLE

purposes including the intention to influence any governmentand/or to put the pubic, or any section of the public, in

SAMPLE

and/or to put the pubic, or any section of the public, in

This endorsement also excludes loss, damage, cost or expense of whatsoever nature directly or indirectly

SAMPLEThis endorsement also excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or in

SAMPLEcaused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or in

If the Underwriters allege that by reason of this exclusion, any loss, damage, cost or expense is not covered by

SAMPLEIf the Underwriters allege that by reason of this exclusion, any loss, damage, cost or expense is not covered by this insurance the burden of proving the contrary shall be upon the Assured.

SAMPLEthis insurance the burden of proving the contrary shall be upon the Assured.

In the event any portion of this endorsement is found to be invalid or unenforceable, the remainder shall remain

SAMPLEIn the event any portion of this endorsement is found to be invalid or unenforceable, the remainder shall remain

assuming the proportions of or amounting to an uprising, assuming the proportions of or amounting to an uprising, assuming the proportions of or amounting to an uprising, SAMPLE

assuming the proportions of or amounting to an uprising, assuming the proportions of or amounting to an uprising, assuming the proportions of or amounting to an uprising, military or usurped power; orSAMPLE

military or usurped power; ormilitary or usurped power; ormilitary or usurped power; ormilitary or usurped power; orSAMPLE

military or usurped power; ormilitary or usurped power; ormilitary or usurped power; or

any act of terrorism.SAMPLE

any act of terrorism.any act of terrorism.any act of terrorism.any act of terrorism.SAMPLE

any act of terrorism.any act of terrorism.any act of terrorism.For the purpose of this endorsement an act of terrorism meansSAMPLE

For the purpose of this endorsement an act of terrorism meansFor the purpose of this endorsement an act of terrorism meansFor the purpose of this endorsement an act of terrorism meansFor the purpose of this endorsement an act of terrorism meansSAMPLE

For the purpose of this endorsement an act of terrorism meansFor the purpose of this endorsement an act of terrorism meansFor the purpose of this endorsement an act of terrorism meansan act, including but not limited to the use of force orSAMPLE

an act, including but not limited to the use of force oran act, including but not limited to the use of force oran act, including but not limited to the use of force oran act, including but not limited to the use of force orSAMPLE

an act, including but not limited to the use of force oran act, including but not limited to the use of force oran act, including but not limited to the use of force orviolence and/or the threat thereof, of any person or group(s)SAMPLE

violence and/or the threat thereof, of any person or group(s)violence and/or the threat thereof, of any person or group(s)violence and/or the threat thereof, of any person or group(s)violence and/or the threat thereof, of any person or group(s)SAMPLE

violence and/or the threat thereof, of any person or group(s)violence and/or the threat thereof, of any person or group(s)violence and/or the threat thereof, of any person or group(s)of persons, whether acting alone or on behalf of or in

SAMPLE

of persons, whether acting alone or on behalf of or in of persons, whether acting alone or on behalf of or in of persons, whether acting alone or on behalf of or in of persons, whether acting alone or on behalf of or in

SAMPLE

of persons, whether acting alone or on behalf of or in of persons, whether acting alone or on behalf of or in of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s),

SAMPLE

connection with any organization(s) or government(s), connection with any organization(s) or government(s), connection with any organization(s) or government(s), connection with any organization(s) or government(s),

SAMPLE

connection with any organization(s) or government(s), connection with any organization(s) or government(s), connection with any organization(s) or government(s), committed for political, religious, ideological or similar

SAMPLE

committed for political, religious, ideological or similarcommitted for political, religious, ideological or similarcommitted for political, religious, ideological or similarcommitted for political, religious, ideological or similar

SAMPLE

committed for political, religious, ideological or similarcommitted for political, religious, ideological or similarcommitted for political, religious, ideological or similarpurposes including the intention to influence any government

SAMPLE

purposes including the intention to influence any governmentpurposes including the intention to influence any governmentpurposes including the intention to influence any governmentpurposes including the intention to influence any government

SAMPLE

purposes including the intention to influence any governmentpurposes including the intention to influence any governmentpurposes including the intention to influence any governmentand/or to put the pubic, or any section of the public, in

SAMPLE

and/or to put the pubic, or any section of the public, in and/or to put the pubic, or any section of the public, in and/or to put the pubic, or any section of the public, in and/or to put the pubic, or any section of the public, in

SAMPLE

and/or to put the pubic, or any section of the public, in and/or to put the pubic, or any section of the public, in and/or to put the pubic, or any section of the public, in

This endorsement also excludes loss, damage, cost or expense of whatsoever nature directly or indirectly

SAMPLEThis endorsement also excludes loss, damage, cost or expense of whatsoever nature directly or indirectly This endorsement also excludes loss, damage, cost or expense of whatsoever nature directly or indirectly This endorsement also excludes loss, damage, cost or expense of whatsoever nature directly or indirectly This endorsement also excludes loss, damage, cost or expense of whatsoever nature directly or indirectly

SAMPLEThis endorsement also excludes loss, damage, cost or expense of whatsoever nature directly or indirectly This endorsement also excludes loss, damage, cost or expense of whatsoever nature directly or indirectly This endorsement also excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or in

SAMPLEcaused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or in caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or in caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or in caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or in

SAMPLEcaused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or in caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or in caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or in

If the Underwriters allege that by reason of this exclusion, any loss, damage, cost or expense is not covered by

SAMPLEIf the Underwriters allege that by reason of this exclusion, any loss, damage, cost or expense is not covered by If the Underwriters allege that by reason of this exclusion, any loss, damage, cost or expense is not covered by If the Underwriters allege that by reason of this exclusion, any loss, damage, cost or expense is not covered by If the Underwriters allege that by reason of this exclusion, any loss, damage, cost or expense is not covered by

SAMPLEIf the Underwriters allege that by reason of this exclusion, any loss, damage, cost or expense is not covered by If the Underwriters allege that by reason of this exclusion, any loss, damage, cost or expense is not covered by If the Underwriters allege that by reason of this exclusion, any loss, damage, cost or expense is not covered by this insurance the burden of proving the contrary shall be upon the Assured.

SAMPLEthis insurance the burden of proving the contrary shall be upon the Assured.this insurance the burden of proving the contrary shall be upon the Assured.this insurance the burden of proving the contrary shall be upon the Assured.this insurance the burden of proving the contrary shall be upon the Assured.

SAMPLEthis insurance the burden of proving the contrary shall be upon the Assured.this insurance the burden of proving the contrary shall be upon the Assured.this insurance the burden of proving the contrary shall be upon the Assured.

In the event any portion of this endorsement is found to be invalid or unenforceable, the remainder shall remain

SAMPLEIn the event any portion of this endorsement is found to be invalid or unenforceable, the remainder shall remain In the event any portion of this endorsement is found to be invalid or unenforceable, the remainder shall remain In the event any portion of this endorsement is found to be invalid or unenforceable, the remainder shall remain In the event any portion of this endorsement is found to be invalid or unenforceable, the remainder shall remain

SAMPLEIn the event any portion of this endorsement is found to be invalid or unenforceable, the remainder shall remain In the event any portion of this endorsement is found to be invalid or unenforceable, the remainder shall remain In the event any portion of this endorsement is found to be invalid or unenforceable, the remainder shall remain

BIOLOGICAL OR CHEMICAL MATERIALS EXCLUSION

It is agreed that this Insurance excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with the actual or threatened malicious use of pathogenic or poisonous biological or chemical materials regardless of any other cause or event contributing concurrently or in any other sequence thereto.

06/02/03NMA2962

BIOLOGICAL OR CHEMICAL MATERIALS EXCLUSION

It is agreed that this Insurance excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with the actual or threatened malicious use of pathogenic or poisonous biological or chemical materials regardless of any other cause or event contributing concurrently or in any other sequence thereto.

06/02/03NMA2962 SAMPLE

SAMPLE

SERVICE OF SUIT CLAUSE (U.S.A.)

This Service of Suit Clause will not be read to conflict with or override the obligations of the parties to arbitrate their disputes as provided for in any Arbitration provision within this Policy. This Clause is intended as an aid to compelling arbitration or enforcing such arbitration or arbitral award, not as an alternative to such Arbitration provision for resolving disputes arising out of this contract of insurance (or reinsurance).

It is agreed that in the event of the failure of the Underwriters hereon to pay any amount claimed to be due hereunder, the Underwriters hereon, at the request of the Insured (or Reinsured), will submit to the jurisdiction of a Court of competent jurisdiction within the United States. Nothing in this Clause constitutes or should be understood to constitute a waiver of Underwriters' rights to commence an action in any Court of competent jurisdiction in the United States, to remove an action to a United States District Court, or to seek a transfer of a case to another Court as permitted by the laws of the United States or of any State in the United States.

It is further agreed that service of process in such suit may be made upon

and that in any suit instituted against any one of them upon this contract, Underwriters will abide by the final decision of such Court or of any Appellate Court in the event of an appeal.

The above-named are authorized and directed to accept service of process on behalf of Underwriters in any such suit and/or upon the request of the Insured (or Reinsured) to give a written undertaking to the Insured (or Reinsured) that they will enter a general appearance upon Underwriters' behalf in the event such a suit shall be instituted.

Further, pursuant to any statute of any state, territory or district of the United States which makes provision therefor, Underwriters hereon hereby designate the Superintendent, Commissioner or Director of Insurance or other officer specified for that purpose in the statute, or his successor or successors in office, as their true and lawful attorney upon whom may be served any lawful process in any action, suit or proceeding instituted by or on behalf of the Insured (or Reinsured) or any beneficiary hereunder arising out of this contract of insurance (or reinsurance), and hereby designate the above-named as the person to whom the said officer is authorized to mail such process or a true copy thereof.

14/09/2005LMA5020Form approved by Lloyd’s Market Association

MENDES & MOUNT, LLP750 SEVENTH AVENUE, NEW YORK, NY 10019-6829

SAMPLE

It is agreed that in the event of the failure of the Underwriters hereon to pay any amount claimed to be SAMPLE

It is agreed that in the event of the failure of the Underwriters hereon to pay any amount claimed to be due hereunder, the Underwriters hereon, at the request of the Insured (or Reinsured), will submit to the SAMPLE

due hereunder, the Underwriters hereon, at the request of the Insured (or Reinsured), will submit to the jurisdiction of a Court of competent jurisdiction within the United States. Nothing in this Clause SAMPLE

jurisdiction of a Court of competent jurisdiction within the United States. Nothing in this Clause constitutes or should be understood to constitute a waiver of Underwriters' rights to commence an SAMPLE

constitutes or should be understood to constitute a waiver of Underwriters' rights to commence an action in any Court of competent jurisdiction in the United States, to remove an action to a United SAMPLE

action in any Court of competent jurisdiction in the United States, to remove an action to a United States District Court, or to seek a transfer of a case to another Court as permitted by the laws of the SAMPLE

States District Court, or to seek a transfer of a case to another Court as permitted by the laws of the United States or of any State in the United States.

SAMPLE

United States or of any State in the United States.

It is further agreed that service of process in such suit may be made upon

SAMPLE

It is further agreed that service of process in such suit may be made upon

SAMPLEand that in any suit instituted against any one of them upon this contract, Underwriters will abide by the

SAMPLEand that in any suit instituted against any one of them upon this contract, Underwriters will abide by the final decision of such Court or of any Appellate Court in the event of an appeal.

SAMPLEfinal decision of such Court or of any Appellate Court in the event of an appeal.

The above-named are authorized and directed to accept service of process on behalf of Underwriters

SAMPLEThe above-named are authorized and directed to accept service of process on behalf of Underwriters in any such suit and/or upon the request of the Insured (or Reinsured) to give a written undertaking to

SAMPLEin any such suit and/or upon the request of the Insured (or Reinsured) to give a written undertaking to the Insured (or Reinsured) that they will enter a general appearance upon Underwriters' behalf in the

SAMPLEthe Insured (or Reinsured) that they will enter a general appearance upon Underwriters' behalf in the

Further, pursuant to any statute of any state, territory or district of the United States which makes

SAMPLEFurther, pursuant to any statute of any state, territory or district of the United States which makes provision therefor, Underwriters hereon hereby designate the Superintendent, Commissioner or

SAMPLEprovision therefor, Underwriters hereon hereby designate the Superintendent, Commissioner or Director of Insurance or other officer specified for that purpose in the statute, or his successor or

SAMPLEDirector of Insurance or other officer specified for that purpose in the statute, or his successor or

SAMPLEsuccessors in office, as their true and lawful attorney upon whom may be served any lawful process in

SAMPLEsuccessors in office, as their true and lawful attorney upon whom may be served any lawful process in any action, suit or proceeding instituted by or on behalf of the Insured (or Reinsured) or any beneficiary

SAMPLEany action, suit or proceeding instituted by or on behalf of the Insured (or Reinsured) or any beneficiary hereunder arising out of this contract of insurance (or reinsurance), and hereby designate the

SAMPLEhereunder arising out of this contract of insurance (or reinsurance), and hereby designate the above-named as the person to whom the said officer is authorized to mail such process or a true copy

SAMPLEabove-named as the person to whom the said officer is authorized to mail such process or a true copy

MENDES & MOUNT, LLP

SAMPLE

MENDES & MOUNT, LLP750 SEVENTH AVENUE, NEW YORK, NY 10019-6829

SAMPLE750 SEVENTH AVENUE, NEW YORK, NY 10019-6829

APPLICABLE LAW (U.S.A.)

This Insurance shall be subject to the applicable state law to be determined by the court of competent jurisdiction as determined by the provisions of the Service of SuitClause (U.S.A.)

14/09/2005LMA5021Form approved by Lloyd's Market Association

APPLICABLE LAW (U.S.A.)

This Insurance shall be subject to the applicable state law to be determined by the court of competent jurisdiction as determined by the provisions of the Service of SuitClause (U.S.A.)

14/09/2005LMA5021Form approved by Lloyd's Market AssociationSAMPLE

SAMPLE

Form approved by Lloyd's Market AssociationForm approved by Lloyd's Market AssociationForm approved by Lloyd's Market AssociationSAMPLE

Form approved by Lloyd's Market AssociationForm approved by Lloyd's Market AssociationForm approved by Lloyd's Market Association

IL 02 55 09 08 Copyright, Insurance Services Office, Inc., 2008 Page 1 of 4

IL 02 55 09 08

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

FLORIDA CHANGES - CANCELLATION AND NONRENEWAL

This endorsement modifies insurance provided under the following:

CAPITAL ASSETS PROGRAM (OUTPUT POLICY) COVERAGE PARTCOMMERCIAL INLAND MARINE COVERAGE PARTCOMMERCIAL PROPERTY COVERAGE PARTCRIME AND FIDELITY COVERAGE PARTEQUIPMENT BREAKDOWN COVERAGE PARTFARM COVERAGE PARTSTANDARD PROPERTY POLICY

A. Paragraph 2. of the Cancellation Common PolicyCondition is replaced by the following: 2. Cancellation For Policies In Effect 90 Days

Or Lessa. If this policy has been in effect for 90 days

or less, we may cancel this policy by mail-ing or delivering to the first Named Insuredwritten notice of cancellation, accom-panied by the specific reasons for cancel-lation, at least: (1) 10 days before the effective date of

cancellation if we cancel for nonpay-ment of premium; or

(2) 20 days before the effective date of cancellation if we cancel for any otherreason, except we may cancel imme-diately if there has been: (a) A material misstatement or mis-

representation; or (b) A failure to comply with underwrit-

ing requirements established bythe insurer.

b. However, Paragraph 2.a.(2) does not ap-ply to a first Named Insured whose resi-dential structure has been insured by us oran affiliated insurer for at least a five-year period immediately prior to the dateof written notice. Instead, refer to Para-graph C.7.b.(4) of this endorsement.

c. We may not cancel: (1) On the basis of property insurance

claims that are the result of an act ofGod, unless we can demonstrate, byclaims frequency or otherwise, thatyou have failed to take action reason-ably necessary as requested by us toprevent recurrence of damage to theinsured property; or

(2) On the basis of filing of claims forpartial loss caused by sinkhole dam-age or clay shrinkage, regardless ofwhether this policy has been the sub-ject of a sinkhole or clay shrinkageclaim, or on the basis of the risk asso-ciated with the occurrence of such aclaim. However, we may cancel thispolicy if: (a) The total of such property in-

surance claim payments for thispolicy exceeds the current policylimits of coverage for propertydamage; or

(b) You have failed to repair the struc-ture in accordance with the engi-neering recommendations uponwhich any loss payment or policyproceeds were based.

(3) Solely on the basis of a single propertyinsurance claim which is the result ofwater damage, unless we can demon-strate that you have failed to takeaction reasonably requested by us toprevent a future similar occurrence ofdamage to the insured property.

SAMPLE

COMMERCIAL PROPERTY COVERAGE PARTSAMPLE

COMMERCIAL PROPERTY COVERAGE PARTCRIME AND FIDELITY COVERAGE PARTSAMPLE

CRIME AND FIDELITY COVERAGE PARTEQUIPMENT BREAKDOWN COVERAGE PARTSAMPLE

EQUIPMENT BREAKDOWN COVERAGE PARTFARM COVERAGE PARTSAMPLE

FARM COVERAGE PARTSTANDARD PROPERTY POLICYSAMPLE

STANDARD PROPERTY POLICY

the

SAMPLE

the Cancellation

SAMPLE

Cancellation Common

SAMPLE

Common Policy

SAMPLE

PolicyCondition is replaced by the following:

SAMPLE

Condition is replaced by the following: Cancellation For Policies In Effect 90 Days

SAMPLE

Cancellation For Policies In Effect 90 Days

been

SAMPLEbeen in

SAMPLEin effect

SAMPLEeffect for

SAMPLEfor 90

SAMPLE90 days

SAMPLEdays

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SAMPLEthis policy

SAMPLEpolicy by

SAMPLEby mail-

SAMPLEmail-

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SAMPLEInsured

cancellation,

SAMPLEcancellation, accom-

SAMPLEaccom-

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SAMPLEfor cancel-

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SAMPLEdate of

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SAMPLEThe total

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SAMPLEsurance claim

SAMPLE claim payments

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IL 02 55 09 08Copyright, Insurance Services Office, Inc., 2008Page 2 of 4

B. Paragraph 5. of the Cancellation Common PolicyCondition is replaced by the following:5. If this policy is cancelled, we will send the first

Named Insured any premium refund due. If wecancel, the refund will be pro rata. If the firstNamed Insured cancels, the refund may beless than pro rata. If the return premium is notrefunded with the notice of cancellation orwhen this policy is returned to us, we will mailthe refund within 15 working days after thedate cancellation takes effect, unless this is anaudit policy. If this is an audit policy, then, subject to yourfull cooperation with us or our agent in secur-ing the necessary data for audit, we will returnany premium refund due within 90 days of thedate cancellation takes effect. If our audit is notcompleted within this time limitation, then weshall accept your own audit, and any premiumrefund due shall be mailed within 10 workingdays of receipt of your audit.The cancellation will be effective even if wehave not made or offered a refund.

C. The following is added to the Cancellation Com-mon Policy Condition: 7. Cancellation For Policies In Effect For More

Than 90 Days a. If this policy has been in effect for more

than 90 days, we may cancel this pol-icy only for one or more of the followingreasons:(1) Nonpayment of premium; (2) The policy was obtained by a material

misstatement;(3) There has been a failure to comply

with underwriting requirements estab-lished by us within 90 days of the ef-fective date of coverage;

(4) There has been a substantial changein the risk covered by the policy;

(5) The cancellation is for all insuredsunder such policies for a given class ofinsureds;

(6) On the basis of property insuranceclaims that are the result of an act ofGod, if we can demonstrate, by claimsfrequency or otherwise, that you havefailed to take action reasonably neces-sary as requested by us to prevent re-currence of damage to the insuredproperty;

(7) On the basis of filing of claims for par-tial loss caused by sinkhole damageor clay shrinkage, or on the basis ofthe risk associated with the occur-rence of such a claim, if: (a) The total of such property insur-

ance claim payments for this pol-icy exceeds the current policylimits of coverage for propertydamage; or

(b) You have failed to repair the struc-ture in accordance with the engi-neering recommendations uponwhich any loss payment or policyproceeds were based; or

(8) On the basis of a single property insur-ance claim which is the result of waterdamage, if we can demonstrate thatyou have failed to take action rea-sonably requested by us to prevent afuture similar occurrence of damageto the insured property.

b. If we cancel this policy for any of thesereasons, we will mail or deliver to the firstNamed Insured written notice of cancella-tion, accompanied by the specific reasonsfor cancellation, at least: (1) 10 days before the effective date of

cancellation if cancellation is for non-payment of premium; or

(2) 45 days before the effective date of cancellation if: (a) Cancellation is for one or more

of the reasons stated in Para-graphs 7.a.(2) through 7.a.(8)above; and

(b) This policy does not cover a resi-dential structure or its contents; or

(3) 100 days before the effective date of cancellation if: (a) Cancellation is for one or more

of the reasons stated in Para-graphs 7.a.(2) through 7.a.(8)above; and

(b) This policy covers a residentialstructure or its contents, unlessParagraph 7.b.(4) applies.

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IL 02 55 09 08 Copyright, Insurance Services Office, Inc., 2008 Page 3 of 4

However, if cancellation is to be-come effective between June 1 andNovember 30, we will mail or deliver tothe first Named Insured written noticeof cancellation at least 100 days priorto the effective date of cancellation orby June 1, whichever is earlier. There-fore, when cancellation is to becomeeffective between September 9 andNovember 30, we will mail or deliver tothe first Named Insured written noticeof cancellation by June 1.

(4) 180 days before the effective date of cancellation if:(a) Cancellation is for one or more

of the reasons stated in Para-graphs 7.a.(2) through 7.a.(8)above; and

(b) The first Named Insured's residen-tial structure has been insuredby us or an affiliated insurer for atleast a five-year period immedi-ately prior to the date of the writ-ten notice.

D. The following is added:NONRENEWAL1. If we decide not to renew this policy we will

mail or deliver to the first Named Insured writ-ten notice of nonrenewal, accompanied by thespecific reason for nonrenewal, at least: a. 45 days prior to the expiration of the policy

if this policy does not cover a residentialstructure or its contents; or

b. 100 days prior to the expiration of the pol-icy if this policy covers a residential struc-ture or its contents, unless Subsection c.or d. applies.

c. If this policy covers a residential struc-ture or its contents and nonrenewal is tobecome effective between June 1 andNovember 30, we will mail or deliver to thefirst Named Insured written notice of non-renewal at least 100 days prior to the effec-tive date of nonrenewal or by June 1,whichever is earlier. Therefore, when non-renewal is to become effective betweenSeptember 9 and November 30, we willmail or deliver to the first Named Insuredwritten notice of nonrenewal by June 1. Ifnonrenewal is due to a revision to this pol-icy's coverage for sinkhole losses or cata-strophic ground cover collapse pursuantto the 2007 changes in the Florida Insur-ance Laws concerning such coverage,then this subsection, c., does not apply.Therefore, in such a case, Subsection b. ord. applies.

d. 180 days prior to the effective date of non-renewal if the first Named Insured's resi-dential structure has been insured by us oran affiliated insurer for at least a five-yearperiod immediately prior to the date of thewritten notice.

2. Any notice of nonrenewal will be mailed or de-livered to the first Named Insured's last mailingaddress known to us. If notice is mailed, proofof mailing will be sufficient proof of notice.

3. We may not refuse to renew this policy: a. On the basis of property insurance claims

that are the result of an act of God, unlesswe can demonstrate, by claims frequencyor otherwise, that you have failed to takeaction reasonably necessary as requestedby us to prevent recurrence of damage tothe insured property; or

b. On the basis of filing of claims for partialloss caused by sinkhole damage or clayshrinkage, regardless of whether this pol-icy has been the subject of a sinkhole orclay shrinkage claim, or on the basis of therisk associated with the occurrence ofsuch a claim. However, we may refuse torenew this policy if: (1) The total of such property insurance

claim payments for this policy ex-ceeds the current policy limits of cov-erage for property damage; or

(2) You have failed to repair the structurein accordance with the engineeringrecommendations upon which anyloss payment or policy proceeds werebased.

c. Solely on the basis of a single property in-surance claim which is the result of waterdamage, unless we can demonstrate thatyou have failed to take action reasonablyrequested by us to prevent a future similaroccurrence of damage to the insuredproperty.

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IL 02 55 09 08Copyright, Insurance Services Office, Inc., 2008Page 4 of 4

E. Limitations On Cancellation And Nonrenewal In The Event Of Hurricane Or Wind Loss - Residential Property1. The following provisions apply to a policy cov-

ering a residential structure or its contents, ifsuch property has sustained damage as a re-sult of a hurricane or windstorm that is thesubject of a declaration of emergency by theGovernor and filing of an order by the Com-missioner of Insurance Regulation:a. Except as provided in Paragraph E.1.b.,

we may not cancel or nonrenew the policyuntil at least 90 days after repairs to theresidential structure or its contents havebeen substantially completed so that it isrestored to the extent that it is insurable byanother insurer writing policies in Florida.If we elect to not renew the policy, we willprovide at least 100 days' notice that weintend to nonrenew 90 days after the sub-stantial completion of repairs.

b. We may cancel or nonrenew the policyprior to restoration of the structure or itscontents, for any of the following reasons:(1) Nonpayment of premium;(2) Material misstatement or fraud related

to the claim;(3) We determine that you have unreason-

ably caused a delay in the repair of thestructure; or

(4) We have paid the policy limits.If we cancel or nonrenew for nonpaymentof premium, we will give you 10 days' no-tice. If we cancel or nonrenew for a reasonlisted in Paragraph b.(2), b.(3) or b.(4), wewill give you 45 days' notice.

2. With respect to a policy covering a residentialstructure or its contents, any cancellation ornonrenewal that would otherwise take effectduring the duration of a hurricane will not takeeffect until the end of the duration of such hur-ricane, unless a replacement policy has beenobtained and is in effect for a claim occurringduring the duration of the hurricane. We maycollect premium for the period of time forwhich the policy period is extended.

3. With respect to Paragraph E.2., a hurricane isa storm system that has been declared to be ahurricane by the National Hurricane Center ofthe National Weather Service (hereafter re-ferred to as NHC). The hurricane occurrencebegins at the time a hurricane watch or hurri-cane warning is issued for any part of Floridaby the NHC, and ends 72 hours after the termi-nation of the last hurricane watch or hurricanewarning issued for any part of Florida by theNHC.

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U.S. Terrorism Risk Insurance Act of 2002 as amendedNot Purchased Clause

This Clause is issued in accordance with the terms and conditions of the "U.S. Terrorism Risk Insurance Act of 2002" as amended as summarized in the disclosure notice.

It is hereby noted that the Underwriters have made available coverage for "insured losses" directly resulting from an "act of terrorism" as defined in the "U.S. Terrorism Risk Insurance Act of 2002" as amended ("TRIA") and the Insured has declined or not confirmed to purchase this coverage.

This insurance therefore affords no coverage for losses directly resulting from any "act of terrorism" as defined in TRIA except to the extent, if any, otherwise provided by this policy.

All other terms, conditions, insured coverage and exclusions of this Insurance including applicable limits and deductibles remain unchanged and apply in full force and effect to the coverage provided by this Insurance.

LMA5092

U.S. Terrorism Risk Insurance Act of 2002 as amendedNot Purchased Clause

This Clause is issued in accordance with the terms and conditions of the "U.S. Terrorism Risk Insurance Act of 2002" as amended as summarized in the disclosure notice.

It is hereby noted that the Underwriters have made available coverage for "insured losses" directly resulting from an "act of terrorism" as defined in the "U.S. Terrorism Risk Insurance Act of 2002" as amended ("TRIA") and the Insured has declined or not confirmed to purchase this coverage.

This insurance therefore affords no coverage for losses directly resulting from any "act of terrorism" as defined in TRIA except to the extent, if any, otherwise provided by this policy.

All other terms, conditions, insured coverage and exclusions of this Insurance including applicable limits and deductibles remain unchanged and apply in full force and effect to the coverage provided by this Insurance.

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TAP-PR-01 (11-09)

COMMERCIAL PROPERTY COVERAGE PARTSUPPLEMENTAL DECLARATIONS

Policy No.: Effective Date:12:01 A.M. Standard Time

Named Insured: Agent No.:

Item 1. Business Description:

Item 2. Premises Described:

Item 3. $500 Deductible unless otherwise indicated.

Item 4. Coverages Provided:

Covered Causes of Loss

Rate Premium

Replacement Cost:Deductible:

Rate Premium

Covered Causes of Loss Coinsurance %

Theft Buyback Extension:Loss Assessment:

Coverage Rate Premium

Covered Causes of Loss Coinsurance %

Coverage Rate Premium

Covered Causes of Loss Coinsurance %

Total Property Premium:

Replacement Cost:Deductible: Theft Buyback Extension:

Loss Assessment:

Replacement Cost:Deductible: Theft Buyback Extension:

Loss Assessment:

Replacement Cost:Deductible: Theft Buyback Extension:

Loss Assessment:

Limit ofInsurance

Bldg.No.

Prem.No.

Item 5. Forms and Endorsements:

Form(s) and Endorsement(s) made a part of this policy at time of issue:

See Schedule of Forms and Endorsements:

Limit ofInsurance

Bldg.No.

Prem.No.

THIS SUPPLEMENTAL DECLARATIONS AND THE COMMON POLICY DECLARATIONS, TOGETHER WITH THE COMMONPOLICY CONDITIONS, COVERAGE FORM(S) AND ENDORSEMENT(S) COMPLETE THE ABOVE NUMBERED POLICY.

Limit ofInsurance

Bldg.No.

Prem.No.

Limit ofInsurance

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Prem.No.

VACANT BUILDING

See Schedule Of Locations

01 01 VACANT BUILDING

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TAP-SM-01 (11-09)

Mortgage Holder Name and Mailing Address

SCHEDULE OF MORTGAGE HOLDER(S)

Prem. Bldg.No. No.

Policy No. Effective Date12:01 A.M. Standard Time

Named Insured Agent No.

01 01 NONE REPORTED

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ENDORSEMENTNO.

ATTACHED TO ANDFORM NG A PART OF

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MO. DAY YR. 12:01 NOON

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INSURED AGENCY AND CODE

AUTHORIZED REPRESENTATIVE DATE

TAP-3G-1 (03-92)

/

X

GLASS EXCLUSION - VANDALISM

CAUSES OF LOSS - BASIC FORM

All other terms and conditions remain unchanged.

ENDORSEMENTNO.

ATTACHED TO ANDFORM NG A PART OF

POLICY NUMBER

ENDORSEMENT EFFECTIVE(STANDARD T ME)

MO. DAY YR. 12:01 NOON

A M.

INSURED AGENCY AND CODE

AUTHORIZED REPRESENTATIVE DATE

TAP-3G-1 (03-92)

/

X

GLASS EXCLUSION - VANDALISM

CAUSES OF LOSS - BASIC FORM

All other terms and conditions remain unchanged.

Under A. COVERED CAUSES OF LOSS, Item 8. Vandalism, is deleted in its entirety and is replaced by the following:

8. Vandalism, meaning willful and malicious damage to, or destruction of, the described property.

We will not pay for loss or damage:

a. To glass (other than glass building blocks) that is part of a building, structure or anoutside sign; but we will pay for loss or damage to other property caused by orresulting from breakage of glass by vandals.

b. Caused by or resulting from theft, except for building damage caused by the breakingin or exiting of burglars.

Under A. COVERED CAUSES OF LOSS, Item 8. Vandalism, is deleted in its entirety and is replaced by the following:

8. Vandalism, meaning willful and malicious damage to, or destruction of, the described property.

We will not pay for loss or damage:

a. To glass (other than glass building blocks) that is part of a building, structure or anoutside sign; but we will pay for loss or damage to other property caused by orresulting from breakage of glass by vandals.

b. Caused by or resulting from theft, except for building damage caused by the breakingin or exiting of burglars.

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/AUTHORIZED REPRESENTATIVE DATE

TCP-005 (9-99)

ATTACHED TO ANDFORM NG A PART OF

POLICY NUMBER MONTH DAYEFFECTIVE

ENDORSEMENT

YEAR

NSURED

TOTAL OR CONSTRUCTIVE LOSS CAUSE

It is understood and agreed that in the event of a total loss or constructive total loss under the policy, theentire policy premium shall be earned in full and no return premium shall be due the named insured.

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/AUTHORIZED REPRESENTATIVE DATE

TAP-183g (3-10) Page 1 of 1

ENDORSEMENTNO.

ATTACHED TO ANDFORMING A PART OF

POLICY NUMBERENDORSEMENT EFFECTIVE DATE

(12:01 A.M. STANDARD TIME) NAMED INSURED AGENT NO.

Includes copyrighted material of ISO Properties, Inc., with its permission.Copyright, ISO Properties, Inc., 2006

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

WIND OR HAIL DEDUCTIBLE

This endorsement modifies insurance provided under the following:

BUILDERS RISK COVERAGE FORMBUILDING AND PERSONAL PROPERTY COVERAGE FORM

CONDOMINIUM ASSOCIATION COVERAGE FORM

SCHEDULE

Premises Number Building Number Windstorm Or HailDeductible Percentage

MinimumDeductible

Information required to complete this Schedule, if not shown above, will be shown in the Declarations.

With respect to the perils of wind and/or hail, Item D. De-ductible is replaced by:

D. Deductible

In any one occurrence of loss or damage to coveredproperty shown in the Schedule above by wind or hail(hereinafter referred to as loss), we will first reduce theamount of loss if required by the Coinsurance Condition orthe Agreed Value Optional Coverage. If the adjustedamount of loss is less than or equal to the Deductible, wewill not pay for that loss. If the adjusted amount of lossexceeds the Deductible, we will then subtract theDeductible from the adjusted amount of loss, and will pay

the resulting amount or the Limit of Insurance, whichever isless.

In determining the Deductible amount, if any, that we willpay for loss or damage, we will deduct an amount equal tothe percentage (as shown above in the schedule) of thelimit(s) of Insurance applicable to the covered property thathas sustained loss or damage, subject to the minimum de-ductible shown in the schedule above.

The wind or hail percentage Deductible is calculated sepa-rately for, and applies separately to each described itemthat sustains loss or damage.

01 01

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U.S.A. & CANADA

LAND, WATER AND AIR EXCLUSION

SEEPAGE AND/OR POLLUTION AND/OR CONTAMINATION EXCLUSION

DEBRIS REMOVAL ENDORSEMENT

LONDON FORM 2340 Page 1 of 2

Notwithstanding any provision to the contrary within the Policy of which this Endorsement forms part (or with any other Endorsement which forms part of the Policy), this Policy does not insure land (including by not limited to land on which the insured property is located), water or air, howsoever and wherever occurring, or any interest or right therein.

Notwithstanding any provision to the contrary within the Policy of which this Endorsement forms part (or with any other Endorsement which forms part of the Policy), this Policy does not insure:

a) any loss, damage, cost or expense, orb) any increase in insured loss, damage, cost or expense, orc) any loss damage, cost expense, fine or penalty, which is incurred, sustained or imposed by order,

direction, instruction or request of , or by any agreement with, any court, government agency or any public, civil or military authority, or threat thereof, (and whether or not as a result of public or private litigation),

which arises from any kind of seepage or any kind of pollution and/or contamination, or threat thereof, whether or not caused by or resulting from a peril insured, or from steps or measures taken in connection with the avoidance, prevention, abatement, mitigation, remediation, clean-up or removal of such seepage or pollution and/or contamination or threat thereof.

The term 'any kind of seepage or any kind of pollution and/or contamination' as used in this Endorsement includes (but is not limited to):

a) seepage of, or pollution and/or contamination by, any thing, including but not limited to, any material designated as a 'hazardous material' by the United States Environmental Protection Agency or as a 'hazardous material' by the United States Department of Transportation, or Defined as a 'toxic substance' by the Canadian Environmental Protection Act for the purposes of Part II of that Act, or any substance designated or defined as toxic, dangerous, hazardous or deleterious to persons or the environment under any other Federal, State, Provincial, Municipal or other law, ordinance or regulation; and

b) the presence, existence, or release of anything which endangers or threatens to endanger the health, safety or welfare of persons or the environment.

THIS ENDORSEMENT CONTAINS PROVISIONS WHICH MAY LIMIT OR PREVENT RECOVERY UNDER THIS POLICY FOR LOSS WHERE COSTS OR EXPENSES FOR DEBRIS REMOVAL ARE INCURRED.

Nothing contained in this Endorsement shall override any Seepage and/or Pollution and/or contamination Exclusion or any Radioactive Contamination Exclusion or any other Exclusion applicable to this Policy.

Any provision within this Policy (or within any other Endorsement which forms part of this Policy) which insures debris removal is cancelled and replaced by the following:

1) In the event of direct physical damage to or destruction of property, for which Underwriters hereon agree to pay, or which but for the application of a deductible or underlying amount they would agree to pay (hereinafter referred to as 'Damage of Destruction'), this Policy also insures, within the sum insured, subject to the limitations and method of calculation below, and to all the other terms and conditions of the Policy, costs or expenses;

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public, civil or military authority, or threat thereof, (and whether or not as a result of public or private

which arises from any kind of seepage or any kind of pollution and/or contamination, or threat thereof, whether

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which arises from any kind of seepage or any kind of pollution and/or contamination, or threat thereof, whether or not caused by or resulting from a peril insured, or from steps or measures taken in connection with the

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or not caused by or resulting from a peril insured, or from steps or measures taken in connection with the avoidance, prevention, abatement, mitigation, remediation, clean-up or removal of such seepage or pollution

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The term 'any kind of seepage or any kind of pollution and/or contamination' as used in this Endorsement

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SAMPLEsubstance' by the Canadian Environmental Protection Act for the purposes of Part II of that Act, or any substance designated or defined as toxic, dangerous, hazardous or deleterious to persons or the

SAMPLEsubstance designated or defined as toxic, dangerous, hazardous or deleterious to persons or the environment under any other Federal, State, Provincial, Municipal or other law, ordinance or regulation;

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SAMPLEthe presence, existence, or release of anything which endangers or threatens to endanger the health,

SAMPLEthe presence, existence, or release of anything which endangers or threatens to endanger the health,

THIS ENDORSEMENT CONTAINS PROVISIONS WHICH MAY LIMIT OR PREVENT RECOVERY UNDER THIS

SAMPLETHIS ENDORSEMENT CONTAINS PROVISIONS WHICH MAY LIMIT OR PREVENT RECOVERY UNDER THIS POLICY FOR LOSS WHERE COSTS OR EXPENSES FOR DEBRIS REMOVAL ARE INCURRED.

SAMPLEPOLICY FOR LOSS WHERE COSTS OR EXPENSES FOR DEBRIS REMOVAL ARE INCURRED.

Nothing contained in this Endorsement shall override any Seepage and/or Pollution and/or contamination

SAMPLENothing contained in this Endorsement shall override any Seepage and/or Pollution and/or contamination Exclusion or any Radioactive Contamination Exclusion or any other Exclusion applicable to this Policy.

SAMPLEExclusion or any Radioactive Contamination Exclusion or any other Exclusion applicable to this Policy.

LONDON FORM 2340 (11/88) Page 2 of 2

(a) which are reasonably and necessarily incurred by the Assured in the removal, from the premises of the Assured at which the Damage or Destruction occurred, of debris which results from the Damage

(b) of which the Assured becomes aware and advises the amount thereof to Underwriters hereon within one year of the commencement of such Damage or Destruction.or Destruction;

2) In calculating the amount, if any, payable under this Policy for loss where costs or expenses for removal of debris are incurred by the Assured (subject to the limitations in paragraph 1 above):

(a) the maximum amount of such costs and expenses that can be included in the method of calculation set out in (b) below shall be greater of U.S. $25,000 (twenty-five thousand dollars) or 10% (ten percent) of the amount of the Damage or Destruction from which such costs or expenses result; and

(b) the amount of such costs or expenses as limited in (a) above shall be added to:

(i) the amount of the Damage or Destruction; and(ii) all other amounts of loss, which arise as a result of the same occurrence, and for which

Underwriters hereon also agree to pay, or which but for the application of a deductible or underlying amount they would agree to pay; and

the resulting sum shall be the amount to which any deductible or underlying amount to which this Policy is subject and the limit (or applicable sub-limit) of this Policy, shall be applied.

SAMPLE

percent) of the amount of the Damage or Destruction from which such costs or expenses result; SAMPLE

percent) of the amount of the Damage or Destruction from which such costs or expenses result;

the amount of such costs or expenses as limited in (a) above shall be added to:SAMPLE

the amount of such costs or expenses as limited in (a) above shall be added to:

the amount of the Damage or Destruction; andSAMPLE

the amount of the Damage or Destruction; andall other amounts of loss, which arise as a result of the same occurrence, and for which SAMPLE

all other amounts of loss, which arise as a result of the same occurrence, and for which Underwriters hereon also agree to pay, or which but for the application of a deductible or

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Underwriters hereon also agree to pay, or which but for the application of a deductible or underlying amount they would agree to pay; and

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underlying amount they would agree to pay; and

the resulting sum shall be the amount to which any deductible or underlying amount to which this

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the resulting sum shall be the amount to which any deductible or underlying amount to which this Policy is subject and the limit (or applicable sub-limit) of this Policy, shall be applied.

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Policy is subject and the limit (or applicable sub-limit) of this Policy, shall be applied.

IL 04 01 10 07 Page 1 of 2Copyright, ISO Properties, Inc., 2007IL 04 01 10 07 Page 1 of 2Copyright, ISO Properties, Inc., 2007

IL 04 01 10 07

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

FLORIDA - SINKHOLE LOSS COVERAGE

This endorsement modifies insurance provided under the following:

CAPITAL ASSETS (OUTPUT POLICY) COVERAGE PARTCOMMERCIAL PROPERTY COVERAGE PARTFARM COVERAGE PART

A. When this endorsement is attached to the Stand-ard Property Policy CP 00 99, the term CoveragePart in this endorsement is replaced by the termPolicy.

B. When this endorsement is attached to the FarmLivestock Coverage Form, reference to loss (otherthan in the term Sinkhole Loss itself) means "loss"as defined in that Coverage Form.

C. The following is added to this Coverage Part as aCovered Cause of Loss. In the forms which ad-dress "specified causes of loss", the following isalso added as a "specified cause of loss". However,as a "specified cause of loss", the following doesnot apply to the Additional Coverage - Collapse.Sinkhole Loss, meaning loss or damage toCovered Property when structural damage to thebuilding, including the foundation, is caused bysettlement or systematic weakening of the earthsupporting the building, only when such settlementor systematic weakening results from movement orraveling of soils, sediments, or rock materials intosubterranean voids created by the effect of wateron a limestone or similar rock formation.Coverage for Sinkhole Loss includes stabiliza-tion of the building (including land stabilization)and repair to the foundation provided such work isin accordance with the requirements of FloridaInsurance Law and in accordance with the recom-mendation of a professional engineer and in con-sultation with you. The professional engineer mustbe selected or approved by us. However, until youenter into a contract for performance of buildingstabilization or foundation repair:1. We will not pay for underpinning or grouting or

any other repair technique performed belowthe existing foundation of the building; and

2. Our payment for Sinkhole Loss to CoveredProperty may be limited to the actual cashvalue of the loss to such property.

After you have entered into a contract for perform-ance of building stabilization or foundation repair,we will pay the amounts necessary to begin andperform such repairs as the work is performed andthe expenses are incurred. If repair has begun andthe aforementioned professional engineer deter-mines that the repairs will exceed the applicableLimit of Insurance, we will pay only the remainingportion of the applicable Limit of Insurance uponsuch determination. The most we will pay for thetotal of all Sinkhole Loss, including building andland stabilization and foundation repair, is the ap-plicable Limit of Insurance on the affected building.

D. Sinkhole Loss does not include:1. Sinking or collapse of land into man-made

underground cavities; or2. Earthquake.

E. With respect to coverage provided by this endorse-ment, the Earth Movement exclusion and the Col-lapse exclusion do not apply.

F. With respect to a claim for alleged Sinkhole Loss,the following provision is added:Following receipt by us of a report from a profes-sional engineer or professional geologist on thecause of loss and recommendations for land stabi-lization and repair of property, or if we deny yourclaim, we will notify you of your right to participatein a neutral evaluation program administered bythe Florida Department of Financial Services (here-inafter referred to as the Department). For allegedSinkhole Loss to commercial residential or farmresidential properties, this program applies insteadof any mediation or appraisal procedure set forthelsewhere in this policy.You or we may file a request with the Departmentfor neutral evaluation; the other party must complywith such request. We will pay the costs associatedwith the neutral evaluation, regardless of whichparty makes the request. The neutral evaluator willbe selected from a list maintained by the Depart-ment. The recommendation of the neutral evalua-tor will not be binding on you or us.

IL 04 01 10 07

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

FLORIDA - SINKHOLE LOSS COVERAGE

This endorsement modifies insurance provided under the following:

CAPITAL ASSETS (OUTPUT POLICY) COVERAGE PARTCOMMERCIAL PROPERTY COVERAGE PARTFARM COVERAGE PART

A. When this endorsement is attached to the Stand-ard Property Policy CP 00 99, the term CoveragePart in this endorsement is replaced by the termPolicy.

B. When this endorsement is attached to the FarmLivestock Coverage Form, reference to loss (otherthan in the term Sinkhole Loss itself) means "loss"as defined in that Coverage Form.

C. The following is added to this Coverage Part as aCovered Cause of Loss. In the forms which ad-dress "specified causes of loss", the following isalso added as a "specified cause of loss". However,as a "specified cause of loss", the following doesnot apply to the Additional Coverage - Collapse.Sinkhole Loss, meaning loss or damage toCovered Property when structural damage to thebuilding, including the foundation, is caused bysettlement or systematic weakening of the earthsupporting the building, only when such settlementor systematic weakening results from movement orraveling of soils, sediments, or rock materials intosubterranean voids created by the effect of wateron a limestone or similar rock formation.Coverage for Sinkhole Loss includes stabiliza-tion of the building (including land stabilization)and repair to the foundation provided such work isin accordance with the requirements of FloridaInsurance Law and in accordance with the recom-mendation of a professional engineer and in con-sultation with you. The professional engineer mustbe selected or approved by us. However, until youenter into a contract for performance of buildingstabilization or foundation repair:1. We will not pay for underpinning or grouting or

any other repair technique performed belowthe existing foundation of the building; and

2. Our payment for Sinkhole Loss to CoveredProperty may be limited to the actual cashvalue of the loss to such property.

After you have entered into a contract for perform-ance of building stabilization or foundation repair,we will pay the amounts necessary to begin andperform such repairs as the work is performed andthe expenses are incurred. If repair has begun andthe aforementioned professional engineer deter-mines that the repairs will exceed the applicableLimit of Insurance, we will pay only the remainingportion of the applicable Limit of Insurance uponsuch determination. The most we will pay for thetotal of all Sinkhole Loss, including building andland stabilization and foundation repair, is the ap-plicable Limit of Insurance on the affected building.

D. Sinkhole Loss does not include:1. Sinking or collapse of land into man-made

underground cavities; or2. Earthquake.

E. With respect to coverage provided by this endorse-ment, the Earth Movement exclusion and the Col-lapse exclusion do not apply.

F. With respect to a claim for alleged Sinkhole Loss,the following provision is added:Following receipt by us of a report from a profes-sional engineer or professional geologist on thecause of loss and recommendations for land stabi-lization and repair of property, or if we deny yourclaim, we will notify you of your right to participatein a neutral evaluation program administered bythe Florida Department of Financial Services (here-inafter referred to as the Department). For allegedSinkhole Loss to commercial residential or farmresidential properties, this program applies insteadof any mediation or appraisal procedure set forthelsewhere in this policy.You or we may file a request with the Departmentfor neutral evaluation; the other party must complywith such request. We will pay the costs associatedwith the neutral evaluation, regardless of whichparty makes the request. The neutral evaluator willbe selected from a list maintained by the Depart-ment. The recommendation of the neutral evalua-tor will not be binding on you or us.

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IL 04 01 10 07Page 2 of 2 Copyright, ISO Properties, Inc., 2007 IL 04 01 10 07Page 2 of 2 Copyright, ISO Properties, Inc., 2007

Participation in the neutral evaluation programdoes not change your right to file suit against us inaccordance with the Legal Action Against Us Con-dition in this policy; except that the time for filingsuit is extended for a period of 60 days followingthe conclusion of the neutral evaluation process orfive years, whichever is later.

G. Coverage for Sinkhole Loss under this endorse-ment does not increase the applicable Limit of In-surance. Even if loss or damage qualifies under, orincludes, both Catastrophic Ground Cover Col-lapse (addressed elsewhere in this Coverage Part)and Sinkhole Loss, only one Limit of Insurance willapply to such loss or damage.

Participation in the neutral evaluation programdoes not change your right to file suit against us inaccordance with the Legal Action Against Us Con-dition in this policy; except that the time for filingsuit is extended for a period of 60 days followingthe conclusion of the neutral evaluation process orfive years, whichever is later.

G. Coverage for Sinkhole Loss under this endorse-ment does not increase the applicable Limit of In-surance. Even if loss or damage qualifies under, orincludes, both Catastrophic Ground Cover Col-lapse (addressed elsewhere in this Coverage Part)and Sinkhole Loss, only one Limit of Insurance willapply to such loss or damage.

SAMPLE

Prop-01

CANCELLATION CLAUSE

RADIOACTIVE CONTAMINATION EXCLUSION CLAUSE -PHYSICAL DAMAGE DIRECT

Prop-01 (07-08)Page 1 of 3

SEVERAL LIABILITY NOTICE

FULLY EARNED ENDORSEMENT

LONDON FORM 1331

LONDON FORM 1191

LONDON FORM 1001

NOTWITHSTANDING anything contained in this Insurance to the contrary, this Insurance may be cancelled by the Insured at any time by written notice or by surrender of this contract of insurance. This Insurance may also be cancelled by or on behalf of the Insurers by the delivery to the Insured or by mailing to the Insured, by registered, certified or other first class mail, at the Insured's address as shown in this Insurance written notice stating when, not less that ten (10) days thereafter, the cancellation shall be effective. The mailing of such notice as aforesaid shall be sufficient proof of notice and this Insurance shall terminate at the date and hour specified in such notice.

If this Insurance shall be cancelled by the Insured, the Insurers shall retain customary short rate proportion of the premium hereon, except that if this Insurance is on an adjustable basis, the Insurers shall receive the earned premium hereon or the pro rata proportion of any minimum premium stipulated herein, whichever is the greater.

Payment or tender of any unearned premium by the Insurers shall not be a condition precedent to the effectiveness of cancellation, but such payment shall be made as soon as practicable.

If the period of limitation relating to the giving of notice is prohibited or made void by any law controlling the construction thereof, such period shall be deemed to be amended as to be equal to the minimum period of limitation permitted by such law.

This policy does not cover any loss or damage arising directly or indirectly from nuclear reaction, nuclear radiation or radioactive contamination, however such nuclear reaction, nuclear radiation or radioactive contamination may have been caused; *NEVERTHELESS if Fire is an insured peril and a Fire arises directly or indirectly from nuclear reaction, nuclear radiation or radioactive contamination, any loss or damage arising directly from the Fire shall (subject to the provisions of this policy) be covered EXCLUDING however all loss or damage caused by nuclear reaction, nuclear radiation or radioactive contamination arising directly or indirectly from that Fire.

*Note - If Fire is not an insured peril under this policy the words "NEVERTHELESS" to the end of the clause do not apply and should be disregarded.

The subscribing insurers' obligations under contracts of insurance to which they subscribe are several and not joint and are limited soley to the extent of their individual subscriptions. The subscribing insurers are not responsible for the subscription of any co-subscribing insurer, who for any reason, does not satifisfy all or part of its obligations.

It is agreed that in the event of a total loss to the insured unit, the premium for that unit shall be considered as FULLY EARNED by the Company. No return premium shall be due the insured for that unit. This endorsement shall not apply when inconsistent with a premium finance agreement or state law.

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RADIOACTIVE CONTAMINATION EXCLUSION CLAUSE -

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RADIOACTIVE CONTAMINATION EXCLUSION CLAUSE -PHYSICAL DAMAGE DIRECT

SAMPLEPHYSICAL DAMAGE DIRECT

Payment or tender of any unearned premium by the Insurers shall not be a condition precedent to the effectiveness of SAMPLE

Payment or tender of any unearned premium by the Insurers shall not be a condition precedent to the effectiveness of cancellation, but such payment shall be made as soon as practicable.SAMPLE

cancellation, but such payment shall be made as soon as practicable.

If the period of limitation relating to the giving of notice is prohibited or made void by any law controlling the construction SAMPLE

If the period of limitation relating to the giving of notice is prohibited or made void by any law controlling the construction thereof, such period shall be deemed to be amended as to be equal to the minimum period of limitation permitted by such law.SAMPLE

thereof, such period shall be deemed to be amended as to be equal to the minimum period of limitation permitted by such law.

This policy does not cover any loss or damage arising directly or indirectly from nuclear reaction, nuclear radiation or

SAMPLEThis policy does not cover any loss or damage arising directly or indirectly from nuclear reaction, nuclear radiation or radioactive contamination, however such nuclear reaction, nuclear radiation or radioactive contamination may have been

SAMPLEradioactive contamination, however such nuclear reaction, nuclear radiation or radioactive contamination may have been caused; *NEVERTHELESS if Fire is an insured peril and a Fire arises directly or indirectly from nuclear reaction, nuclear

SAMPLEcaused; *NEVERTHELESS if Fire is an insured peril and a Fire arises directly or indirectly from nuclear reaction, nuclear radiation or radioactive contamination, any loss or damage arising directly from the Fire shall (subject to the provisions of this

SAMPLEradiation or radioactive contamination, any loss or damage arising directly from the Fire shall (subject to the provisions of this policy) be covered EXCLUDING however all loss or damage caused by nuclear reaction, nuclear radiation or radioactive

SAMPLEpolicy) be covered EXCLUDING however all loss or damage caused by nuclear reaction, nuclear radiation or radioactive contamination arising directly or indirectly from that Fire.

SAMPLEcontamination arising directly or indirectly from that Fire.

SAMPLE

SAMPLE

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SAMPLE*Note - If Fire is not an insured peril under this policy the words "NEVERTHELESS" to the end of the clause do not apply and

SAMPLE*Note - If Fire is not an insured peril under this policy the words "NEVERTHELESS" to the end of the clause do not apply and

The subscribing insurers' obligations under contracts of insurance to which they subscribe are several and not joint and

SAMPLEThe subscribing insurers' obligations under contracts of insurance to which they subscribe are several and not joint and are limited soley to the extent of their individual subscriptions. The subscribing insurers are not responsible for the

SAMPLEare limited soley to the extent of their individual subscriptions. The subscribing insurers are not responsible for the subscription of any co-subscribing insurer, who for any reason, does not satifisfy all or part of its obligations.

SAMPLEsubscription of any co-subscribing insurer, who for any reason, does not satifisfy all or part of its obligations.

SEEPAGE AND/OR POLLUTION AND/OR CONTAMINATION EXCLUSION

LONDON FORM 2342

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ELECTRONIC DATE RECOGNITION EXCLUSION

LONDON FORM 2802

Notwithstanding any provision to the contrary within the Policy of which this Endorsement forms part (or within any other Endorsement which forms part of this Policy), this Policy does not insure:a) any loss, damage, cost or expense, or

b) any increase in insured loss, damage, cost or expense, or

c) any loss, damage, cost, expense, fine or penalty, which is incurred, sustained or imposed by order, direction, instruction or request of or by any agreement with, any court,

government agency or any public, civil or military authority, or threat thereof, (and whether or not as a resultof public or private litigation),

which arises from any kind of seepage or any kind of pollution and/or contamination, or threat thereof, whether or not caused by or resulting from a peril insured, or from steps or measures taken in connection with the avoidance, prevention, abatement, mitigation, remediation, clean-up or removal of such seepage or pollution and/or contamination or threat thereof.The term “any kind of seepage or any kind of pollution and/or contamination” as used in this Endorsement includes (but is not limited to):a) seepage of, or pollution and/or contamination by, anything, including but not limited to any material designated as a “hazardous substance” by the United States Environmental Protection Agency or as a “hazardous material” by the United States Department of Transportation, or as defined as a “toxic substance” by the Canadian Environmental Protection Act for the purposes of Part II of that Act, or any substance designated or defined as toxic, dangerous, hazardous, or deleterious to persons or the environment.

b) the presence, existence, or release of anything which endangers or threatens to endanger the health, safety or welfare of persons or the environment.

This policy does not cover any loss, damage, cost, claim or expense, whether preventative, remedial or otherwise, directly or indirectly arising out of or relating to:

a) the calculation, comparison, differentiation, sequencing or processing of data involving the date change to the year 2000, or any other date change including

leap year calculations, by any computer system, hardware, programme or software and/or any microchip, integrated circuit or similar device in computer equipment or non-computer equipment, whether the property of the Insured or not; or

b) any change, alteration, or modification involving the date change to the year 2000, or any other date change including leap year calculations, to any such

computer system, hardware, programme or software and/or any microchip, integrated circuit or similar device in computer equipment or non-computer equipment, whether the property of the insured or not.

This clause applies regardless of any other cause or event that contributes concurrently or in any sequence to the loss, damage, cost, claim or expense.

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SAMPLEELECTRONIC DATE RECOGNITION EXCLUSION

SAMPLEELECTRONIC DATE RECOGNITION EXCLUSION

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prevention, abatement, mitigation, remediation, clean-up or removal of such SAMPLE

prevention, abatement, mitigation, remediation, clean-up or removal of such pollution and/or contamination or threat thereof.SAMPLE

pollution and/or contamination or threat thereof.The term “any kind of seepage or any kind of pollution and/or contamination” as used in this Endorsement includes SAMPLE

The term “any kind of seepage or any kind of pollution and/or contamination” as used in this Endorsement includes

a) seepage of, or pollution and/or contamination by, anything, including but not limited to any material SAMPLE

a) seepage of, or pollution and/or contamination by, anything, including but not limited to any material designated as a “hazardous substance” by the United States Environmental Protection Agency or as a “hazardous

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designated as a “hazardous substance” by the United States Environmental Protection Agency or as a “hazardous material” by the United States Department of Transportation, or as defined as a “toxic substance” by the Canadian

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material” by the United States Department of Transportation, or as defined as a “toxic substance” by the Canadian Environmental Protection Act for the purposes of Part II of that Act, or any substance designated or defined as

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Environmental Protection Act for the purposes of Part II of that Act, or any substance designated or defined as toxic, dangerous, hazardous, or deleterious to persons or the environment.

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toxic, dangerous, hazardous, or deleterious to persons or the environment.

b) the presence, existence, or release of anything which endangers or threatens to endanger the health, safety or

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b) the presence, existence, or release of anything which endangers or threatens to endanger the health, safety or

SAMPLEwelfare of persons or the environment.

SAMPLEwelfare of persons or the environment.

This policy does not cover any loss, damage, cost, claim or expense, whether

SAMPLEThis policy does not cover any loss, damage, cost, claim or expense, whether preventative, remedial or otherwise, directly or indirectly arising out of or relating to:

SAMPLEpreventative, remedial or otherwise, directly or indirectly arising out of or relating to:

the calculation, comparison, differentiation, sequencing or processing of data

SAMPLEthe calculation, comparison, differentiation, sequencing or processing of data involving the date change to the year 2000, or any other date change including

SAMPLEinvolving the date change to the year 2000, or any other date change including leap year calculations, by any computer system, hardware, programme or

SAMPLEleap year calculations, by any computer system, hardware, programme or software and/or any microchip, integrated circuit or similar device in computer

SAMPLEsoftware and/or any microchip, integrated circuit or similar device in computer equipment or non-computer equipment, whether the property of the Insured or

SAMPLEequipment or non-computer equipment, whether the property of the Insured or

any change, alteration, or modification involving the date change to the year

SAMPLEany change, alteration, or modification involving the date change to the year

ELECTRONIC DATA ENDORSEMENT B

1. Electronic Data Exclusion

2. Electronic Data Processing Media Valuation

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25/01/01LONDON FORM 2915

Notwithstanding any provision to the contrary within the Policy or any endorsement thereto, it is understood and agreed as follows:

(a) This Policy does not insure loss, damage, distortion, erasure, corruption or alteration ofELECTRONIC DATA from any cause whatsoever (including but not limited to COMPUTER VIRUS)or loss of use, reduction in functionality, cost, expense of whatsoever nature resulting therefrom,regardless of any other cause or event contributing concurrently or in any other sequence to the loss.

ELECTRONIC DATA means facts, concepts and information converted to a form useable forcommunications, interpretation or processing by electronic and electromechanical data processingor electronically controlled equipment and includes programmes, software and other coded instructions for the processing and manipulation of data or the direction and manipulation of suchequipment.

COMPUTER VIRUS means a set of corrupting, harmful or otherwise unauthorized instructions or codeincluding a set of maliciously introduced unauthorized instructions or code, programmatic orotherwise, that propagate themselves through a computer system or network of whatsoever nature.COMPUTER VIRUS includes but it not limited to 'Trojan Horses', 'worms', and 'time or logic bombs'.

(b) However, in the event that a peril listed below results from any of the matters described in paragraph (a) above, this Policy, subject to all its terms, conditions and exclusions, will cover physical damageoccurring during the Policy period to property insured by this Policy directly caused by such listedperil.

Listed Perils

Explosion

Notwithstanding any provision to the contrary within the Policy or any endorsement thereto, it is understood and agreed as follows:

Should electronic data processing media insured by this Policy suffer physical loss or damage insured bythis Policy, then the basis of valuation shall be the cost of the blank media plus the costs of copying theELECTRONIC DATA from back-up or from originals of a previous generation. These costs will notinclude research and engineering nor any costs of recreating, gathering or assembling such ELECTRONICDATA. If the media is not repaired, replaced or restored the basis of valuation shall be the cost of the blankmedia. However this Policy does not insure any amount pertaining to the value of such ELECTRONICDATA to the Assured or any other party, even if such ELECTRONIC DATA cannot be recreated, gatheredor assembled.

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regardless of any other cause or event contributing concurrently or in any other sequence to the loss.SAMPLE

regardless of any other cause or event contributing concurrently or in any other sequence to the loss.

ELECTRONIC DATA means facts, concepts and information converted to a form useable forSAMPLE

ELECTRONIC DATA means facts, concepts and information converted to a form useable forcommunications, interpretation or processing by electronic and electromechanical data processingSAMPLE

communications, interpretation or processing by electronic and electromechanical data processingor electronically controlled equipment and includes programmes, software and other coded SAMPLE

or electronically controlled equipment and includes programmes, software and other coded instructions for the processing and manipulation of data or the direction and manipulation of suchSAMPLE

instructions for the processing and manipulation of data or the direction and manipulation of suchequipment.

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equipment.

COMPUTER VIRUS means a set of corrupting, harmful or otherwise unauthorized instructions or code

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COMPUTER VIRUS means a set of corrupting, harmful or otherwise unauthorized instructions or codeincluding a set of maliciously introduced unauthorized instructions or code, programmatic or

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including a set of maliciously introduced unauthorized instructions or code, programmatic orotherwise, that propagate themselves through a computer system or network of whatsoever nature.

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otherwise, that propagate themselves through a computer system or network of whatsoever nature.COMPUTER VIRUS includes but it not limited to 'Trojan Horses', 'worms', and 'time or logic bombs'.

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COMPUTER VIRUS includes but it not limited to 'Trojan Horses', 'worms', and 'time or logic bombs'.

However, in the event that a peril listed below results from any of the matters described in paragraph

SAMPLEHowever, in the event that a peril listed below results from any of the matters described in paragraph (a) above, this Policy, subject to all its terms, conditions and exclusions, will cover physical damage

SAMPLE(a) above, this Policy, subject to all its terms, conditions and exclusions, will cover physical damageoccurring during the Policy period to property insured by this Policy directly caused by such listed

SAMPLEoccurring during the Policy period to property insured by this Policy directly caused by such listed

Notwithstanding any provision to the contrary within the Policy or any endorsement thereto, it is

SAMPLENotwithstanding any provision to the contrary within the Policy or any endorsement thereto, it is

Should electronic data processing media insured by this Policy suffer physical loss or damage insured by

SAMPLEShould electronic data processing media insured by this Policy suffer physical loss or damage insured bythis Policy, then the basis of valuation shall be the cost of the blank media plus the costs of copying the

SAMPLEthis Policy, then the basis of valuation shall be the cost of the blank media plus the costs of copying the

SAMPLEELECTRONIC DATA from back-up or from originals of a previous generation. These costs will not

SAMPLEELECTRONIC DATA from back-up or from originals of a previous generation. These costs will notinclude research and engineering nor any costs of recreating, gathering or assembling such ELECTRONIC

SAMPLEinclude research and engineering nor any costs of recreating, gathering or assembling such ELECTRONICDATA. If the media is not repaired, replaced or restored the basis of valuation shall be the cost of the blank

SAMPLEDATA. If the media is not repaired, replaced or restored the basis of valuation shall be the cost of the blank

IL 09 35 04 98

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

EXCLUSION OF CERTAIN COMPUTER-RELATED LOSSESThis endorsement modifies insurance provided under the following:

BOILER AND MACHINERY COVERAGE PARTCOMMERCIAL CRIME COVERAGE PARTCOMMERCIAL INLAND MARINE COVERAGE PARTCOMMERCIAL PROPERTY COVERAGE PARTSTANDARD PROPERTY POLICY

IL 09 35 04 98 Copyright, Insurance Services Office, Inc., 1997 Page 1 of 2

IL 09 35 04 98

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

EXCLUSION OF CERTAIN COMPUTER-RELATED LOSSESThis endorsement modifies insurance provided under the following:

BOILER AND MACHINERY COVERAGE PARTCOMMERCIAL CRIME COVERAGE PARTCOMMERCIAL INLAND MARINE COVERAGE PARTCOMMERCIAL PROPERTY COVERAGE PARTSTANDARD PROPERTY POLICY

IL 09 35 04 98 Copyright, Insurance Services Office, Inc., 1997 Page 1 of 2

A. We will not pay for loss ("loss") or damage causeddirectly or indirectly by the following. Such loss("loss") or damage is excluded regardless of anyother cause or event that contributes concurrentlyor in any sequence to the loss ("loss") or damage.1. The failure, malfunction or inadequacy of:

a. Any of the following, whether belonging toany insured or to others:(1) Computer hardware, including micro-

processors;(2) Computer application software;(3) Computer operating systems and re-

lated software;(4) Computer networks;(5) Microprocessors (computer chips) not

part of any computer system; or(6) Any other computerized or electronic

equipment or components; orb. Any other products, and any services, data

or functions that directly or indirectly useor rely upon, in any manner, any of theitems listed in Paragraph A.1.a. of thisendorsement;

due to the inability to correctly recognize, pro-cess, distinguish, interpret or accept one ormore dates or times. An example is the inabilityof computer software to recognize the year2000.

2. Any advice, consultation, design, evaluation,inspection, installation, maintenance, repair,replacement or supervision provided or doneby you or for you to determine, rectify or testfor, any potential or actual problems de-scribed in Paragraph A.1. of this endorse-ment.

B. If an excluded Cause of Loss as described inParagraph A. of this endorsement results:1. In a Covered Cause of Loss under the Boiler

And Machinery Coverage Part, the Commer-cial Crime Coverage Part, the CommercialInland Marine Coverage Part or the StandardProperty Policy; or

2. Under the Commercial Property CoveragePart:a. In a "Specified Cause of Loss" under the

Causes of Loss - Special Form; orb. In a Covered Cause of Loss under the

Causes of Loss - Basic Form or theCauses of Loss - Broad Form;

we will pay only for the loss ("loss") or damagecaused by such "Specified Cause of Loss" orCovered Cause of Loss.

C. We will not pay for repair, replacement or mod-ification of any items in Paragraphs A.1.a. andA.1.b. of this endorsement to correct any defi-ciencies or change any features.

A. We will not pay for loss ("loss") or damage causeddirectly or indirectly by the following. Such loss("loss") or damage is excluded regardless of anyother cause or event that contributes concurrentlyor in any sequence to the loss ("loss") or damage.1. The failure, malfunction or inadequacy of:

a. Any of the following, whether belonging toany insured or to others:(1) Computer hardware, including micro-

processors;(2) Computer application software;(3) Computer operating systems and re-

lated software;(4) Computer networks;(5) Microprocessors (computer chips) not

part of any computer system; or(6) Any other computerized or electronic

equipment or components; orb. Any other products, and any services, data

or functions that directly or indirectly useor rely upon, in any manner, any of theitems listed in Paragraph A.1.a. of thisendorsement;

due to the inability to correctly recognize, pro-cess, distinguish, interpret or accept one ormore dates or times. An example is the inabilityof computer software to recognize the year2000.

2. Any advice, consultation, design, evaluation,inspection, installation, maintenance, repair,replacement or supervision provided or doneby you or for you to determine, rectify or testfor, any potential or actual problems de-scribed in Paragraph A.1. of this endorse-ment.

B. If an excluded Cause of Loss as described inParagraph A. of this endorsement results:1. In a Covered Cause of Loss under the Boiler

And Machinery Coverage Part, the Commer-cial Crime Coverage Part, the CommercialInland Marine Coverage Part or the StandardProperty Policy; or

2. Under the Commercial Property CoveragePart:a. In a "Specified Cause of Loss" under the

Causes of Loss - Special Form; orb. In a Covered Cause of Loss under the

Causes of Loss - Basic Form or theCauses of Loss - Broad Form;

we will pay only for the loss ("loss") or damagecaused by such "Specified Cause of Loss" orCovered Cause of Loss.

C. We will not pay for repair, replacement or mod-ification of any items in Paragraphs A.1.a. andA.1.b. of this endorsement to correct any defi-ciencies or change any features.

Agent

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Page 2 of 2 Copyright, Insurance Services Office, Inc., 1997 IL 09 35 04 98Page 2 of 2 Copyright, Insurance Services Office, Inc., 1997 IL 09 35 04 98

D. If this endorsement is attached to the BusinessIncome (Without Extra Expense) Coverage Form,the following apply:1. Subject to Paragraph H., this endorsement

covers actual loss of Business Income yousustain caused by Computer Failure at thepremises described in the Schedule, or atanother location if the off-premises Computerinterfaces with a Computer at the describedpremises or is otherwise used in the "opera-tions" of the business at the described prem-ises.

2. Subject to Paragraph H., this endorsementcovers Expenses to Reduce Loss. In the eventof a covered loss of Business Income underthis endorsement, we will pay actual andnecessary expenses you incur to avoid furtherloss of Business Income, including expensesfor repair, modification or replacement of theComputer. The total of our payment for Busi-ness Income loss and Expenses to ReduceLoss will not be more than the BusinessIncome loss that would have been payableunder this endorsement if the Expenses toReduce Loss had not been incurred.

E. If this endorsement is attached to the Extra Ex-pense Coverage Form, the following apply:Subject to Paragraph H., this endorsement coversthe actual and necessary Extra Expense you incurdue to Computer Failure at the premises describedin the Schedule, or at another location if theoff-premises Computer Interfaces with a Computerat the described premises or is otherwise used inthe "operations" of the business at the describedpremises. Extra Expense means necessary expen-ses you incur that you would not have incurred ifthere had been no Computer Failure. But ExtraExpense does not include expenses for repair,modification or replacement of the Computer.

F. The coverage set forth in Paragraphs C., D. and E.does not apply to a Computer Failure that affectsthe business "operations" at the described prem-ises prior to the inception date of this endorse-ment.

G. With respect to an instance of Computer Failure,coverage under this endorsement ends 30 daysafter the Computer Failure is corrected, or whenthere is no further loss or expense caused by thatComputer Failure, whichever comes first.

H. The most we will pay under this endorsement forthe total of all losses and/or expenses sustained inany one policy year is $25,000, regardless of thenumber of Computer Failures or the number ofComputers involved in any Computer Failure.The $25,000 limit is not subject to the CoinsuranceCondition of the Coverage Form. Nor is paymentunder this endorsement affected by the MaximumPeriod Of Indemnity, Monthly Limit Of Indemnity orBusiness Income Agreed Value coverages or theLoss Condition titled Limits On Loss Payment.

D. If this endorsement is attached to the BusinessIncome (Without Extra Expense) Coverage Form,the following apply:1. Subject to Paragraph H., this endorsement

covers actual loss of Business Income yousustain caused by Computer Failure at thepremises described in the Schedule, or atanother location if the off-premises Computerinterfaces with a Computer at the describedpremises or is otherwise used in the "opera-tions" of the business at the described prem-ises.

2. Subject to Paragraph H., this endorsementcovers Expenses to Reduce Loss. In the eventof a covered loss of Business Income underthis endorsement, we will pay actual andnecessary expenses you incur to avoid furtherloss of Business Income, including expensesfor repair, modification or replacement of theComputer. The total of our payment for Busi-ness Income loss and Expenses to ReduceLoss will not be more than the BusinessIncome loss that would have been payableunder this endorsement if the Expenses toReduce Loss had not been incurred.

E. If this endorsement is attached to the Extra Ex-pense Coverage Form, the following apply:Subject to Paragraph H., this endorsement coversthe actual and necessary Extra Expense you incurdue to Computer Failure at the premises describedin the Schedule, or at another location if theoff-premises Computer Interfaces with a Computerat the described premises or is otherwise used inthe "operations" of the business at the describedpremises. Extra Expense means necessary expen-ses you incur that you would not have incurred ifthere had been no Computer Failure. But ExtraExpense does not include expenses for repair,modification or replacement of the Computer.

F. The coverage set forth in Paragraphs C., D. and E.does not apply to a Computer Failure that affectsthe business "operations" at the described prem-ises prior to the inception date of this endorse-ment.

G. With respect to an instance of Computer Failure,coverage under this endorsement ends 30 daysafter the Computer Failure is corrected, or whenthere is no further loss or expense caused by thatComputer Failure, whichever comes first.

H. The most we will pay under this endorsement forthe total of all losses and/or expenses sustained inany one policy year is $25,000, regardless of thenumber of Computer Failures or the number ofComputers involved in any Computer Failure.The $25,000 limit is not subject to the CoinsuranceCondition of the Coverage Form. Nor is paymentunder this endorsement affected by the MaximumPeriod Of Indemnity, Monthly Limit Of Indemnity orBusiness Income Agreed Value coverages or theLoss Condition titled Limits On Loss Payment.

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CP 00 10 06 07 Page 1 of 15Copyright, ISO Properties, Inc., 2007CP 00 10 06 07 Page 1 of 15Copyright, ISO Properties, Inc., 2007

COMMERCIAL PROPERTYCP 00 10 06 07

BUILDING AND PERSONAL PROPERTY COVERAGE FORM

Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties andwhat is and 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 H., Definitions.

A. CoverageWe will pay for direct physical loss of or damage toCovered Property at the premises described in theDeclarations caused by or resulting from any Cov-ered Cause of Loss. 1. Covered Property

Covered Property, as used in this CoveragePart, means the type of property described inthis section, A.1., and limited in A.2., PropertyNot Covered, if a Limit of Insurance is shown inthe Declarations for that type of property. a. Building, meaning the building or struc-

ture described in the Declarations,including:(1) Completed additions; (2) Fixtures, including outdoor fixtures; (3) Permanently installed:

(a) Machinery and (b) Equipment;

(4) Personal property owned by you thatis used to maintain or service thebuilding or structure or its premises,including:(a) Fire-extinguishing equipment; (b) Outdoor furniture; (c) Floor coverings; and (d) Appliances used for refrigerating,

ventilating, cooking, dishwashingor laundering;

(5) If not covered by other insurance: (a) Additions under construction, al-

terations and repairs to the build-ing or structure;

(b) Materials, equipment, suppliesand temporary structures, on orwithin 100 feet of the describedpremises, used for making addi-tions, alterations or repairs to thebuilding or structure.

b. Your Business Personal Property locatedin or on the building described in the Dec-larations or in the open (or in a vehicle)within 100 feet of the described premises,consisting of the following unless other-wise specified in the Declarations or on theYour Business Personal Property - Separa-tion Of Coverage form: (1) Furniture and fixtures; (2) Machinery and equipment; (3) "Stock";(4) All other personal property owned by

you and used in your business; (5) Labor, materials or services furnished

or arranged by you on personal prop-erty of others;

(6) Your use interest as tenant in improve-ments and betterments. Improve-ments and betterments are fixtures,alterations, installations or additions: (a) Made a part of the building or

structure you occupy but do notown; and

(b) You acquired or made at your ex-pense but cannot legally remove;

(7) Leased personal property for whichyou have a contractual responsibilityto insure, unless otherwise providedfor under Personal Property Of Others.

COMMERCIAL PROPERTYCP 00 10 06 07

BUILDING AND PERSONAL PROPERTY COVERAGE FORM

Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties andwhat is and 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 H., Definitions.

A. CoverageWe will pay for direct physical loss of or damage toCovered Property at the premises described in theDeclarations caused by or resulting from any Cov-ered Cause of Loss. 1. Covered Property

Covered Property, as used in this CoveragePart, means the type of property described inthis section, A.1., and limited in A.2., PropertyNot Covered, if a Limit of Insurance is shown inthe Declarations for that type of property. a. Building, meaning the building or struc-

ture described in the Declarations,including:(1) Completed additions; (2) Fixtures, including outdoor fixtures; (3) Permanently installed:

(a) Machinery and (b) Equipment;

(4) Personal property owned by you thatis used to maintain or service thebuilding or structure or its premises,including:(a) Fire-extinguishing equipment; (b) Outdoor furniture; (c) Floor coverings; and (d) Appliances used for refrigerating,

ventilating, cooking, dishwashingor laundering;

(5) If not covered by other insurance: (a) Additions under construction, al-

terations and repairs to the build-ing or structure;

(b) Materials, equipment, suppliesand temporary structures, on orwithin 100 feet of the describedpremises, used for making addi-tions, alterations or repairs to thebuilding or structure.

b. Your Business Personal Property locatedin or on the building described in the Dec-larations or in the open (or in a vehicle)within 100 feet of the described premises,consisting of the following unless other-wise specified in the Declarations or on theYour Business Personal Property - Separa-tion Of Coverage form: (1) Furniture and fixtures; (2) Machinery and equipment; (3) "Stock";(4) All other personal property owned by

you and used in your business; (5) Labor, materials or services furnished

or arranged by you on personal prop-erty of others;

(6) Your use interest as tenant in improve-ments and betterments. Improve-ments and betterments are fixtures,alterations, installations or additions: (a) Made a part of the building or

structure you occupy but do notown; and

(b) You acquired or made at your ex-pense but cannot legally remove;

(7) Leased personal property for whichyou have a contractual responsibilityto insure, unless otherwise providedfor under Personal Property Of Others.

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CP 00 10 06 07Page 2 of 15 Copyright, ISO Properties, Inc., 2007 CP 00 10 06 07Page 2 of 15 Copyright, ISO Properties, Inc., 2007

c. Personal Property Of Others that is: (1) In your care, custody or control; and (2) Located in or on the building de-

scribed in the Declarations or in theopen (or in a vehicle) within 100 feet ofthe described premises.

However, our payment for loss of or dam-age to personal property of others will onlybe for the account of the owner of theproperty.

2. Property Not Covered Covered Property does not include: a. Accounts, bills, currency, food stamps or

other evidences of debt, money, notes orsecurities. Lottery tickets held for sale arenot securities;

b. Animals, unless owned by others andboarded by you, or if owned by you, onlyas "stock" while inside of buildings;

c. Automobiles held for sale; d. Bridges, roadways, walks, patios or other

paved surfaces; e. Contraband, or property in the course of il-

legal transportation or trade; f. The cost of excavations, grading, backfill-

ing or filling; g. Foundations of buildings, structures, ma-

chinery or boilers if their foundations arebelow:(1) The lowest basement floor; or (2) The surface of the ground, if there is

no basement; h. Land (including land on which the property

is located), water, growing crops or lawns; i. Personal property while airborne or

waterborne;j. Bulkheads, pilings, piers, wharves or

docks;k. Property that is covered under another

coverage form of this or any other policy inwhich it is more specifically described, ex-cept for the excess of the amount due(whether you can collect on it or not) fromthat other insurance;

l. Retaining walls that are not part of abuilding;

m. Underground pipes, flues or drains;

n. Electronic data, except as provided underthe Additional Coverage, Electronic Data.Electronic data means information, factsor computer programs stored as or on,created or used on, or transmitted to orfrom computer software (including sys-tems and applications software), on hardor floppy disks, CD-ROMs, tapes, drives,cells, data processing devices or any otherrepositories of computer software whichare used with electronically controlledequipment. The term computer programs,referred to in the foregoing description ofelectronic data, means a set of relatedelectronic instructions which direct the op-erations and functions of a computer ordevice connected to it, which enable thecomputer or device to receive, process,store, retrieve or send data. This para-graph, n., does not apply to your "stock" ofprepackaged software;

o. The cost to replace or restore the infor-mation on valuable papers and records,including those which exist as electronicdata. Valuable papers and records includebut are not limited to proprietary informa-tion, books of account, deeds, manu-scripts, abstracts, drawings and cardindex systems. Refer to the Coverage Ex-tension for Valuable Papers And Records(Other Than Electronic Data) for limitedcoverage for valuable papers and recordsother than those which exist as electronicdata;

p. Vehicles or self-propelled machines (in-cluding aircraft or watercraft) that: (1) Are licensed for use on public roads;

or(2) Are operated principally away from the

described premises. This paragraph does not apply to:

(a) Vehicles or self-propelled ma-chines or autos you manufacture,process or warehouse;

(b) Vehicles or self-propelled ma-chines, other than autos, you holdfor sale;

(c) Rowboats or canoes out of waterat the described premises; or

(d) Trailers, but only to the extent pro-vided for in the Coverage Exten-sion for Non-owned DetachedTrailers;

c. Personal Property Of Others that is: (1) In your care, custody or control; and (2) Located in or on the building de-

scribed in the Declarations or in theopen (or in a vehicle) within 100 feet ofthe described premises.

However, our payment for loss of or dam-age to personal property of others will onlybe for the account of the owner of theproperty.

2. Property Not Covered Covered Property does not include: a. Accounts, bills, currency, food stamps or

other evidences of debt, money, notes orsecurities. Lottery tickets held for sale arenot securities;

b. Animals, unless owned by others andboarded by you, or if owned by you, onlyas "stock" while inside of buildings;

c. Automobiles held for sale; d. Bridges, roadways, walks, patios or other

paved surfaces; e. Contraband, or property in the course of il-

legal transportation or trade; f. The cost of excavations, grading, backfill-

ing or filling; g. Foundations of buildings, structures, ma-

chinery or boilers if their foundations arebelow:(1) The lowest basement floor; or (2) The surface of the ground, if there is

no basement; h. Land (including land on which the property

is located), water, growing crops or lawns; i. Personal property while airborne or

waterborne;j. Bulkheads, pilings, piers, wharves or

docks;k. Property that is covered under another

coverage form of this or any other policy inwhich it is more specifically described, ex-cept for the excess of the amount due(whether you can collect on it or not) fromthat other insurance;

l. Retaining walls that are not part of abuilding;

m. Underground pipes, flues or drains;

n. Electronic data, except as provided underthe Additional Coverage, Electronic Data.Electronic data means information, factsor computer programs stored as or on,created or used on, or transmitted to orfrom computer software (including sys-tems and applications software), on hardor floppy disks, CD-ROMs, tapes, drives,cells, data processing devices or any otherrepositories of computer software whichare used with electronically controlledequipment. The term computer programs,referred to in the foregoing description ofelectronic data, means a set of relatedelectronic instructions which direct the op-erations and functions of a computer ordevice connected to it, which enable thecomputer or device to receive, process,store, retrieve or send data. This para-graph, n., does not apply to your "stock" ofprepackaged software;

o. The cost to replace or restore the infor-mation on valuable papers and records,including those which exist as electronicdata. Valuable papers and records includebut are not limited to proprietary informa-tion, books of account, deeds, manu-scripts, abstracts, drawings and cardindex systems. Refer to the Coverage Ex-tension for Valuable Papers And Records(Other Than Electronic Data) for limitedcoverage for valuable papers and recordsother than those which exist as electronicdata;

p. Vehicles or self-propelled machines (in-cluding aircraft or watercraft) that: (1) Are licensed for use on public roads;

or(2) Are operated principally away from the

described premises. This paragraph does not apply to:

(a) Vehicles or self-propelled ma-chines or autos you manufacture,process or warehouse;

(b) Vehicles or self-propelled ma-chines, other than autos, you holdfor sale;

(c) Rowboats or canoes out of waterat the described premises; or

(d) Trailers, but only to the extent pro-vided for in the Coverage Exten-sion for Non-owned DetachedTrailers;

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CP 00 10 06 07 Page 3 of 15Copyright, ISO Properties, Inc., 2007CP 00 10 06 07 Page 3 of 15Copyright, ISO Properties, Inc., 2007

q. The following property while outside ofbuildings:(1) Grain, hay, straw or other crops; (2) Fences, radio or television antennas

(including satellite dishes) and theirlead-in wiring, masts or towers, trees,shrubs or plants (other than "stock" oftrees, shrubs or plants), all except asprovided in the Coverage Extensions.

3. Covered Causes Of Loss See applicable Causes Of Loss Form asshown in the Declarations.

4. Additional Coverages a. Debris Removal

(1) Subject to Paragraphs (3) and (4), wewill pay your expense to remove de-bris of Covered Property caused by orresulting from a Covered Cause ofLoss that occurs during the policy pe-riod. The expenses will be paid only ifthey are reported to us in writing within180 days of the date of direct physicalloss or damage.

(2) Debris Removal does not apply tocosts to: (a) Extract "pollutants" from land or

water; or (b) Remove, restore or replace pol-

luted land or water.(3) Subject to the exceptions in Para-

graph (4), the following provisionsapply:(a) The most we will pay for the total

of direct physical loss or damageplus debris removal expense is theLimit of Insurance applicable tothe Covered Property that hassustained loss or damage.

(b) Subject to (a) above, the amountwe will pay for debris removal ex-pense is limited to 25% of the sumof the deductible plus the amountthat we pay for direct physical lossor damage to the Covered Prop-erty that has sustained loss ordamage.

(4) We will pay up to an additional$10,000 for debris removal expense,for each location, in any one occur-rence of physical loss or damage toCovered Property, if one or both of thefollowing circumstances apply:

(a) The total of the actual debris re-moval expense plus the amountwe pay for direct physical loss ordamage exceeds the Limit ofInsurance on the Covered Prop-erty that has sustained loss ordamage.

(b) The actual debris removal ex-pense exceeds 25% of the sum ofthe deductible plus the amountthat we pay for direct physical lossor damage to the Covered Prop-erty that has sustained loss ordamage.

Therefore, if (4)(a) and/or (4)(b)apply, our total payment for directphysical loss or damage and debrisremoval expense may reach but willnever exceed the Limit of Insurance onthe Covered Property that has sus-tained loss or damage, plus $10,000.

(5) ExamplesThe following examples assume thatthere is no Coinsurance penalty.

EXAMPLE #1Limit of Insurance: $ 90,000Amount of Deductible: $ 500Amount of Loss: $ 50,000Amount of Loss Payable: $ 49,500

($50,000 - $500)Debris Removal Expense: $ 10,000Debris Removal Expense Payable: $ 10,000($10,000 is 20% of $50,000.) The debris removal expense is less than 25% of thesum of the loss payable plus the deductible. The sumof the loss payable and the debris removal expense($49,500 + $10,000 = $59,500) is less than the Limit ofInsurance. Therefore the full amount of debris removalexpense is payable in accordance with the terms ofParagraph (3).

EXAMPLE #2Limit of Insurance: $ 90,000Amount of Deductible: $ 500Amount of Loss: $ 80,000Amount of Loss Payable: $ 79,500

($80,000 - $500)Debris Removal Expense: $ 30,000Debris Removal Expense Payable

Basic Amount: $ 10,500Additional Amount: $ 10,000

q. The following property while outside ofbuildings:(1) Grain, hay, straw or other crops; (2) Fences, radio or television antennas

(including satellite dishes) and theirlead-in wiring, masts or towers, trees,shrubs or plants (other than "stock" oftrees, shrubs or plants), all except asprovided in the Coverage Extensions.

3. Covered Causes Of Loss See applicable Causes Of Loss Form asshown in the Declarations.

4. Additional Coverages a. Debris Removal

(1) Subject to Paragraphs (3) and (4), wewill pay your expense to remove de-bris of Covered Property caused by orresulting from a Covered Cause ofLoss that occurs during the policy pe-riod. The expenses will be paid only ifthey are reported to us in writing within180 days of the date of direct physicalloss or damage.

(2) Debris Removal does not apply tocosts to: (a) Extract "pollutants" from land or

water; or (b) Remove, restore or replace pol-

luted land or water.(3) Subject to the exceptions in Para-

graph (4), the following provisionsapply:(a) The most we will pay for the total

of direct physical loss or damageplus debris removal expense is theLimit of Insurance applicable tothe Covered Property that hassustained loss or damage.

(b) Subject to (a) above, the amountwe will pay for debris removal ex-pense is limited to 25% of the sumof the deductible plus the amountthat we pay for direct physical lossor damage to the Covered Prop-erty that has sustained loss ordamage.

(4) We will pay up to an additional$10,000 for debris removal expense,for each location, in any one occur-rence of physical loss or damage toCovered Property, if one or both of thefollowing circumstances apply:

(a) The total of the actual debris re-moval expense plus the amountwe pay for direct physical loss ordamage exceeds the Limit ofInsurance on the Covered Prop-erty that has sustained loss ordamage.

(b) The actual debris removal ex-pense exceeds 25% of the sum ofthe deductible plus the amountthat we pay for direct physical lossor damage to the Covered Prop-erty that has sustained loss ordamage.

Therefore, if (4)(a) and/or (4)(b)apply, our total payment for directphysical loss or damage and debrisremoval expense may reach but willnever exceed the Limit of Insurance onthe Covered Property that has sus-tained loss or damage, plus $10,000.

(5) ExamplesThe following examples assume thatthere is no Coinsurance penalty.

EXAMPLE #1Limit of Insurance: $ 90,000Amount of Deductible: $ 500Amount of Loss: $ 50,000Amount of Loss Payable: $ 49,500

($50,000 - $500)Debris Removal Expense: $ 10,000Debris Removal Expense Payable: $ 10,000($10,000 is 20% of $50,000.) The debris removal expense is less than 25% of thesum of the loss payable plus the deductible. The sumof the loss payable and the debris removal expense($49,500 + $10,000 = $59,500) is less than the Limit ofInsurance. Therefore the full amount of debris removalexpense is payable in accordance with the terms ofParagraph (3).

EXAMPLE #2Limit of Insurance: $ 90,000Amount of Deductible: $ 500Amount of Loss: $ 80,000Amount of Loss Payable: $ 79,500

($80,000 - $500)Debris Removal Expense: $ 30,000Debris Removal Expense Payable

Basic Amount: $ 10,500Additional Amount: $ 10,000

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EXAMPLE #1EXAMPLE #1EXAMPLE #1

SAMPLEEXAMPLE #1EXAMPLE #1EXAMPLE #1Limit of Insurance:

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SAMPLELimit of Insurance:Limit of Insurance:Limit of Insurance:Amount of Deductible:Amount of Deductible:Amount of Deductible:

SAMPLEAmount of Deductible:Amount of Deductible:Amount of Deductible:Amount of Loss:

SAMPLEAmount of Loss:Amount of Loss:Amount of Loss:Amount of Loss:

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Debris Removal Expense:

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SAMPLE($10,000 is 20% of $50,000.) ($10,000 is 20% of $50,000.) ($10,000 is 20% of $50,000.) ($10,000 is 20% of $50,000.)

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CP 00 10 06 07Page 4 of 15 Copyright, ISO Properties, Inc., 2007 CP 00 10 06 07Page 4 of 15 Copyright, ISO Properties, Inc., 2007

The basic amount payable for debris removal expenseunder the terms of Paragraph (3) is calculated as fol-lows: $80,000 ($79,500 + $500) x .25 = $20,000;capped at $10,500. The cap applies because the sumof the loss payable ($79,500) and the basic amountpayable for debris removal expense ($10,500) cannotexceed the Limit of Insurance ($90,000).The additional amount payable for debris removal ex-pense is provided in accordance with the terms ofParagraph (4), because the debris removal expense($30,000) exceeds 25% of the loss payable plus the de-ductible ($30,000 is 37.5% of $80,000), and becausethe sum of the loss payable and debris removal ex-pense ($79,500 + $30,000 = $109,500) would exceedthe Limit of Insurance ($90,000). The additional amountof covered debris removal expense is $10,000, themaximum payable under Paragraph (4). Thus the totalpayable for debris removal expense in this example is$20,500; $9,500 of the debris removal expense is notcovered.

b. Preservation Of Property If it is necessary to move Covered Prop-erty from the described premises to pre-serve it from loss or damage by a CoveredCause of Loss, we will pay for any directphysical loss or damage to that property: (1) While it is being moved or while tem-

porarily stored at another location;and

(2) Only if the loss or damage occurswithin 30 days after the property is firstmoved.

c. Fire Department Service Charge When the fire department is called to saveor protect Covered Property from a Cov-ered Cause of Loss, we will pay up to$1,000, unless a higher limit is shown inthe Declarations, for your liability for firedepartment service charges: (1) Assumed by contract or agreement

prior to loss; or (2) Required by local ordinance. No Deductible applies to this AdditionalCoverage.

d. Pollutant Clean-up And Removal We will pay your expense to extract "pollu-tants" from land or water at the describedpremises if the discharge, dispersal, seep-age, migration, release or escape of the"pollutants" is caused by or results from aCovered Cause of Loss that occurs duringthe policy period. The expenses will bepaid only if they are reported to us in writ-ing within 180 days of the date on whichthe Covered Cause of Loss occurs. This Additional Coverage does not applyto costs to test for, monitor or assess theexistence, concentration or effects of "pol-lutants". But we will pay for testing which isperformed in the course of extracting the"pollutants" from the land or water. The most we will pay under this AdditionalCoverage for each described premises is$10,000 for the sum of all covered ex-penses arising out of Covered Causes ofLoss occurring during each separate12-month period of this policy.

e. Increased Cost Of Construction(1) This Additional Coverage applies only

to buildings to which the ReplacementCost Optional Coverage applies.

(2) In the event of damage by a CoveredCause of Loss to a building that isCovered Property, we will pay the in-creased costs incurred to comply withenforcement of an ordinance or law inthe course of repair, rebuilding or re-placement of damaged parts of thatproperty, subject to the limitationsstated in e.(3) through e.(9) of this Ad-ditional Coverage.

(3) The ordinance or law referred to ine.(2) of this Additional Coverage is anordinance or law that regulates theconstruction or repair of buildings orestablishes zoning or land use require-ments at the described premises, andis in force at the time of loss.

The basic amount payable for debris removal expenseunder the terms of Paragraph (3) is calculated as fol-lows: $80,000 ($79,500 + $500) x .25 = $20,000;capped at $10,500. The cap applies because the sumof the loss payable ($79,500) and the basic amountpayable for debris removal expense ($10,500) cannotexceed the Limit of Insurance ($90,000).The additional amount payable for debris removal ex-pense is provided in accordance with the terms ofParagraph (4), because the debris removal expense($30,000) exceeds 25% of the loss payable plus the de-ductible ($30,000 is 37.5% of $80,000), and becausethe sum of the loss payable and debris removal ex-pense ($79,500 + $30,000 = $109,500) would exceedthe Limit of Insurance ($90,000). The additional amountof covered debris removal expense is $10,000, themaximum payable under Paragraph (4). Thus the totalpayable for debris removal expense in this example is$20,500; $9,500 of the debris removal expense is notcovered.

b. Preservation Of Property If it is necessary to move Covered Prop-erty from the described premises to pre-serve it from loss or damage by a CoveredCause of Loss, we will pay for any directphysical loss or damage to that property: (1) While it is being moved or while tem-

porarily stored at another location;and

(2) Only if the loss or damage occurswithin 30 days after the property is firstmoved.

c. Fire Department Service Charge When the fire department is called to saveor protect Covered Property from a Cov-ered Cause of Loss, we will pay up to$1,000, unless a higher limit is shown inthe Declarations, for your liability for firedepartment service charges: (1) Assumed by contract or agreement

prior to loss; or (2) Required by local ordinance. No Deductible applies to this AdditionalCoverage.

d. Pollutant Clean-up And Removal We will pay your expense to extract "pollu-tants" from land or water at the describedpremises if the discharge, dispersal, seep-age, migration, release or escape of the"pollutants" is caused by or results from aCovered Cause of Loss that occurs duringthe policy period. The expenses will bepaid only if they are reported to us in writ-ing within 180 days of the date on whichthe Covered Cause of Loss occurs. This Additional Coverage does not applyto costs to test for, monitor or assess theexistence, concentration or effects of "pol-lutants". But we will pay for testing which isperformed in the course of extracting the"pollutants" from the land or water. The most we will pay under this AdditionalCoverage for each described premises is$10,000 for the sum of all covered ex-penses arising out of Covered Causes ofLoss occurring during each separate12-month period of this policy.

e. Increased Cost Of Construction(1) This Additional Coverage applies only

to buildings to which the ReplacementCost Optional Coverage applies.

(2) In the event of damage by a CoveredCause of Loss to a building that isCovered Property, we will pay the in-creased costs incurred to comply withenforcement of an ordinance or law inthe course of repair, rebuilding or re-placement of damaged parts of thatproperty, subject to the limitationsstated in e.(3) through e.(9) of this Ad-ditional Coverage.

(3) The ordinance or law referred to ine.(2) of this Additional Coverage is anordinance or law that regulates theconstruction or repair of buildings orestablishes zoning or land use require-ments at the described premises, andis in force at the time of loss.

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CP 00 10 06 07 Page 5 of 15Copyright, ISO Properties, Inc., 2007CP 00 10 06 07 Page 5 of 15Copyright, ISO Properties, Inc., 2007

(4) Under this Additional Coverage, wewill not pay any costs due to an ordi-nance or law that:(a) You were required to comply with

before the loss, even when thebuilding was undamaged; and

(b) You failed to comply with.(5) Under this Additional Coverage, we

will not pay for: (a) The enforcement of any ordinance

or law which requires demolition,repair, replacement, reconstruc-tion, remodeling or remediation ofproperty due to contamination by"pollutants" or due to the pres-ence, growth, proliferation, spreador any activity of "fungus", wet ordry rot or bacteria; or

(b) Any costs associated with theenforcement of an ordinance orlaw which requires any insured orothers to test for, monitor, cleanup, remove, contain, treat, de-toxify or neutralize, or in any wayrespond to, or assess the effectsof "pollutants", "fungus", wet or dryrot or bacteria.

(6) The most we will pay under this Addi-tional Coverage, for each describedbuilding insured under this CoverageForm, is $10,000 or 5% of the Limit ofInsurance applicable to that building,whichever is less. If a damaged build-ing is covered under a blanket Limit ofInsurance which applies to more thanone building or item of property, thenthe most we will pay under this Addi-tional Coverage, for that damagedbuilding, is the lesser of: $10,000 or5% times the value of the damagedbuilding as of the time of loss times theapplicable Coinsurance percentage.The amount payable under this Addi-tional Coverage is additional insur-ance.

(7) With respect to this Additional Cover-age:(a) We will not pay for the Increased

Cost of Construction:(i) Until the property is actually

repaired or replaced, at thesame or another premises;and

(ii) Unless the repairs or replace-ment are made as soon asreasonably possible after theloss or damage, not to exceedtwo years. We may extendthis period in writing duringthe two years.

(b) If the building is repaired or re-placed at the same premises, or ifyou elect to rebuild at anotherpremises, the most we will pay forthe Increased Cost of Construc-tion, subject to the provisions ofe.(6) of this Additional Coverage,is the increased cost of construc-tion at the same premises.

(c) If the ordinance or law requires re-location to another premises, themost we will pay for the IncreasedCost of Construction, subject tothe provisions of e.(6) of this Addi-tional Coverage, is the increasedcost of construction at the newpremises.

(8) This Additional Coverage is not sub-ject to the terms of the Ordinance OrLaw Exclusion, to the extent that suchExclusion would conflict with the pro-visions of this Additional Coverage.

(9) The costs addressed in the Loss Pay-ment and Valuation Conditions, andthe Replacement Cost Optional Cover-age, in this Coverage Form, do not in-clude the increased cost attributableto enforcement of an ordinance or law.The amount payable under this Addi-tional Coverage, as stated in e.(6) ofthis Additional Coverage, is not sub-ject to such limitation.

f. Electronic Data(1) Under this Additional Coverage, elec-

tronic data has the meaning describedunder Property Not Covered, Elec-tronic Data.

(2) Subject to the provisions of this Addi-tional Coverage, we will pay for thecost to replace or restore electronicdata which has been destroyed or cor-rupted by a Covered Cause of Loss.To the extent that electronic data isnot replaced or restored, the loss willbe valued at the cost of replacementof the media on which the electronicdata was stored, with blank media ofsubstantially identical type.

(4) Under this Additional Coverage, wewill not pay any costs due to an ordi-nance or law that:(a) You were required to comply with

before the loss, even when thebuilding was undamaged; and

(b) You failed to comply with.(5) Under this Additional Coverage, we

will not pay for: (a) The enforcement of any ordinance

or law which requires demolition,repair, replacement, reconstruc-tion, remodeling or remediation ofproperty due to contamination by"pollutants" or due to the pres-ence, growth, proliferation, spreador any activity of "fungus", wet ordry rot or bacteria; or

(b) Any costs associated with theenforcement of an ordinance orlaw which requires any insured orothers to test for, monitor, cleanup, remove, contain, treat, de-toxify or neutralize, or in any wayrespond to, or assess the effectsof "pollutants", "fungus", wet or dryrot or bacteria.

(6) The most we will pay under this Addi-tional Coverage, for each describedbuilding insured under this CoverageForm, is $10,000 or 5% of the Limit ofInsurance applicable to that building,whichever is less. If a damaged build-ing is covered under a blanket Limit ofInsurance which applies to more thanone building or item of property, thenthe most we will pay under this Addi-tional Coverage, for that damagedbuilding, is the lesser of: $10,000 or5% times the value of the damagedbuilding as of the time of loss times theapplicable Coinsurance percentage.The amount payable under this Addi-tional Coverage is additional insur-ance.

(7) With respect to this Additional Cover-age:(a) We will not pay for the Increased

Cost of Construction:(i) Until the property is actually

repaired or replaced, at thesame or another premises;and

(ii) Unless the repairs or replace-ment are made as soon asreasonably possible after theloss or damage, not to exceedtwo years. We may extendthis period in writing duringthe two years.

(b) If the building is repaired or re-placed at the same premises, or ifyou elect to rebuild at anotherpremises, the most we will pay forthe Increased Cost of Construc-tion, subject to the provisions ofe.(6) of this Additional Coverage,is the increased cost of construc-tion at the same premises.

(c) If the ordinance or law requires re-location to another premises, themost we will pay for the IncreasedCost of Construction, subject tothe provisions of e.(6) of this Addi-tional Coverage, is the increasedcost of construction at the newpremises.

(8) This Additional Coverage is not sub-ject to the terms of the Ordinance OrLaw Exclusion, to the extent that suchExclusion would conflict with the pro-visions of this Additional Coverage.

(9) The costs addressed in the Loss Pay-ment and Valuation Conditions, andthe Replacement Cost Optional Cover-age, in this Coverage Form, do not in-clude the increased cost attributableto enforcement of an ordinance or law.The amount payable under this Addi-tional Coverage, as stated in e.(6) ofthis Additional Coverage, is not sub-ject to such limitation.

f. Electronic Data(1) Under this Additional Coverage, elec-

tronic data has the meaning describedunder Property Not Covered, Elec-tronic Data.

(2) Subject to the provisions of this Addi-tional Coverage, we will pay for thecost to replace or restore electronicdata which has been destroyed or cor-rupted by a Covered Cause of Loss.To the extent that electronic data isnot replaced or restored, the loss willbe valued at the cost of replacementof the media on which the electronicdata was stored, with blank media ofsubstantially identical type.

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CP 00 10 06 07Page 6 of 15 Copyright, ISO Properties, Inc., 2007 CP 00 10 06 07Page 6 of 15 Copyright, ISO Properties, Inc., 2007

(3) The Covered Causes of Loss appli-cable to Your Business PersonalProperty apply to this Additional Cov-erage, Electronic Data, subject to thefollowing:(a) If the Causes Of Loss - Special

Form applies, coverage under thisAdditional Coverage, ElectronicData, is limited to the "specifiedcauses of loss" as defined in thatform, and Collapse as set forth inthat form.

(b) If the Causes Of Loss - BroadForm applies, coverage under thisAdditional Coverage, ElectronicData, includes Collapse as setforth in that form.

(c) If the Causes Of Loss Form is en-dorsed to add a Covered Cause ofLoss, the additional CoveredCause of Loss does not apply tothe coverage provided under thisAdditional Coverage, ElectronicData.

(d) The Covered Causes of Loss in-clude a virus, harmful code or sim-ilar instruction introduced into orenacted on a computer system(including electronic data) or anetwork to which it is connected,designed to damage or destroyany part of the system or disruptits normal operation. But there isno coverage for loss or damagecaused by or resulting from ma-nipulation of a computer system(including electronic data) by anyemployee, including a temporaryor leased employee, or by an en-tity retained by you or for you toinspect, design, install, modify,maintain, repair or replace thatsystem.

(4) The most we will pay under this Addi-tional Coverage, Electronic Data, is$2,500 for all loss or damage sus-tained in any one policy year, regard-less of the number of occurrences ofloss or damage or the number ofpremises, locations or computer sys-tems involved. If loss payment on thefirst occurrence does not exhaust thisamount, then the balance is availablefor subsequent loss or damage sus-tained in but not after that policy year.With respect to an occurrence whichbegins in one policy year and contin-ues or results in additional loss or

damage in a subsequent policyyear(s), all loss or damage is deemedto be sustained in the policy year inwhich the occurrence began.

5. Coverage Extensions Except as otherwise provided, the followingExtensions apply to property located in or onthe building described in the Declarations or inthe open (or in a vehicle) within 100 feet of thedescribed premises. If a Coinsurance percentage of 80% ormore, or a Value Reporting period symbol, isshown in the Declarations, you may extend theinsurance provided by this Coverage Part asfollows:a. Newly Acquired Or Constructed

Property(1) Buildings

If this policy covers Building, you mayextend that insurance to apply to:(a) Your new buildings while being

built on the described premises;and

(b) Buildings you acquire at locations,other than the described prem-ises, intended for: (i) Similar use as the building de-

scribed in the Declarations; or (ii) Use as a warehouse.

The most we will pay for loss or dam-age under this Extension is $250,000at each building.

(2) Your Business Personal Property (a) If this policy covers Your Business

Personal Property, you may ex-tend that insurance to apply to:(i) Business personal property,

including such property thatyou newly acquire, at any lo-cation you acquire other thanat fairs, trade shows or exhibi-tions;

(ii) Business personal property,including such property thatyou newly acquire, located atyour newly constructed oracquired buildings at thelocation described in theDeclarations; or

(iii) Business personal propertythat you newly acquire, lo-cated at the described prem-ises.

(3) The Covered Causes of Loss appli-cable to Your Business PersonalProperty apply to this Additional Cov-erage, Electronic Data, subject to thefollowing:(a) If the Causes Of Loss - Special

Form applies, coverage under thisAdditional Coverage, ElectronicData, is limited to the "specifiedcauses of loss" as defined in thatform, and Collapse as set forth inthat form.

(b) If the Causes Of Loss - BroadForm applies, coverage under thisAdditional Coverage, ElectronicData, includes Collapse as setforth in that form.

(c) If the Causes Of Loss Form is en-dorsed to add a Covered Cause ofLoss, the additional CoveredCause of Loss does not apply tothe coverage provided under thisAdditional Coverage, ElectronicData.

(d) The Covered Causes of Loss in-clude a virus, harmful code or sim-ilar instruction introduced into orenacted on a computer system(including electronic data) or anetwork to which it is connected,designed to damage or destroyany part of the system or disruptits normal operation. But there isno coverage for loss or damagecaused by or resulting from ma-nipulation of a computer system(including electronic data) by anyemployee, including a temporaryor leased employee, or by an en-tity retained by you or for you toinspect, design, install, modify,maintain, repair or replace thatsystem.

(4) The most we will pay under this Addi-tional Coverage, Electronic Data, is$2,500 for all loss or damage sus-tained in any one policy year, regard-less of the number of occurrences ofloss or damage or the number ofpremises, locations or computer sys-tems involved. If loss payment on thefirst occurrence does not exhaust thisamount, then the balance is availablefor subsequent loss or damage sus-tained in but not after that policy year.With respect to an occurrence whichbegins in one policy year and contin-ues or results in additional loss or

damage in a subsequent policyyear(s), all loss or damage is deemedto be sustained in the policy year inwhich the occurrence began.

5. Coverage Extensions Except as otherwise provided, the followingExtensions apply to property located in or onthe building described in the Declarations or inthe open (or in a vehicle) within 100 feet of thedescribed premises. If a Coinsurance percentage of 80% ormore, or a Value Reporting period symbol, isshown in the Declarations, you may extend theinsurance provided by this Coverage Part asfollows:a. Newly Acquired Or Constructed

Property(1) Buildings

If this policy covers Building, you mayextend that insurance to apply to:(a) Your new buildings while being

built on the described premises;and

(b) Buildings you acquire at locations,other than the described prem-ises, intended for: (i) Similar use as the building de-

scribed in the Declarations; or (ii) Use as a warehouse.

The most we will pay for loss or dam-age under this Extension is $250,000at each building.

(2) Your Business Personal Property (a) If this policy covers Your Business

Personal Property, you may ex-tend that insurance to apply to:(i) Business personal property,

including such property thatyou newly acquire, at any lo-cation you acquire other thanat fairs, trade shows or exhibi-tions;

(ii) Business personal property,including such property thatyou newly acquire, located atyour newly constructed oracquired buildings at thelocation described in theDeclarations; or

(iii) Business personal propertythat you newly acquire, lo-cated at the described prem-ises.

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CP 00 10 06 07 Page 7 of 15Copyright, ISO Properties, Inc., 2007CP 00 10 06 07 Page 7 of 15Copyright, ISO Properties, Inc., 2007

The most we will pay for loss ordamage under this Extension is$100,000 at each building.

(b) This Extension does not apply to:(i) Personal property of others

that is temporarily in your pos-session in the course of instal-ling or performing work onsuch property; or

(ii) Personal property of othersthat is temporarily in your pos-session in the course of yourmanufacturing or wholesalingactivities.

(3) Period Of CoverageWith respect to insurance on orat each newly acquired or con-structed property, coverage willend when any of the following firstoccurs:

(a) This policy expires;(b) 30 days expire after you acquire

the property or begin constructionof that part of the building thatwould qualify as covered prop-erty; or

(c) You report values to us. We will charge you additional premium forvalues reported from the date you acquirethe property or beginconstruction of thatpart of the building that would qualify ascovered property.

b. Personal Effects And Property Of Others You may extend the insurance that appliesto Your Business Personal Property to ap-ply to: (1) Personal effects owned by you, your

officers, your partners or members,your managers or your employees.This Extension does not apply to lossor damage by theft.

(2) Personal property of others in yourcare, custody or control.

The most we will pay for loss or damageunder this Extension is $2,500 at each de-scribed premises. Our payment for loss ofor damage to personal property of otherswill only be for the account of the owner ofthe property.

c. Valuable Papers And Records (OtherThan Electronic Data)(1) You may extend the insurance that ap-

plies to Your Business Personal Prop-erty to apply to the cost to replaceor restore the lost information on val-uable papers and records for whichduplicates do not exist. But this Exten-sion does not apply to valuable papersand records which exist as electronicdata. Electronic data has the meaningdescribed under Property Not Cov-ered, Electronic Data.

(2) If the Causes Of Loss - Special Formapplies, coverage under this Exten-sion is limited to the "specified causesof loss" as defined in that form, andCollapse as set forth in that form.

(3) If the Causes Of Loss - Broad Formapplies, coverage under this Exten-sion includes Collapse as set forth inthat form.

(4) Under this Extension, the most wewill pay to replace or restore the lostinformation is $2,500 at each de-scribed premises, unless a higher limitis shown in the Declarations. Suchamount is additional insurance. Wewill also pay for the cost of blank ma-terial for reproducing the records(whether or not duplicates exist), and(when there is a duplicate) for the costof labor to transcribe or copy therecords. The costs of blank materialand labor are subject to the applicableLimit of Insurance on Your BusinessPersonal Property and therefore cov-erage of such costs is not additionalinsurance.

d. Property Off-premises (1) You may extend the insurance pro-

vided by this Coverage Form to applyto your Covered Property while it isaway from the described premises, if itis:(a) Temporarily at a location you do

not own, lease or operate;(b) In storage at a location you lease,

provided the lease was executedafter the beginning of the currentpolicy term; or

(c) At any fair, trade show or exhibi-tion.

The most we will pay for loss ordamage under this Extension is$100,000 at each building.

(b) This Extension does not apply to:(i) Personal property of others

that is temporarily in your pos-session in the course of instal-ling or performing work onsuch property; or

(ii) Personal property of othersthat is temporarily in your pos-session in the course of yourmanufacturing or wholesalingactivities.

(3) Period Of CoverageWith respect to insurance on orat each newly acquired or con-structed property, coverage willend when any of the following firstoccurs:

(a) This policy expires;(b) 30 days expire after you acquire

the property or begin constructionof that part of the building thatwould qualify as covered prop-erty; or

(c) You report values to us. We will charge you additional premium forvalues reported from the date you acquirethe property or beginconstruction of thatpart of the building that would qualify ascovered property.

b. Personal Effects And Property Of Others You may extend the insurance that appliesto Your Business Personal Property to ap-ply to: (1) Personal effects owned by you, your

officers, your partners or members,your managers or your employees.This Extension does not apply to lossor damage by theft.

(2) Personal property of others in yourcare, custody or control.

The most we will pay for loss or damageunder this Extension is $2,500 at each de-scribed premises. Our payment for loss ofor damage to personal property of otherswill only be for the account of the owner ofthe property.

c. Valuable Papers And Records (OtherThan Electronic Data)(1) You may extend the insurance that ap-

plies to Your Business Personal Prop-erty to apply to the cost to replaceor restore the lost information on val-uable papers and records for whichduplicates do not exist. But this Exten-sion does not apply to valuable papersand records which exist as electronicdata. Electronic data has the meaningdescribed under Property Not Cov-ered, Electronic Data.

(2) If the Causes Of Loss - Special Formapplies, coverage under this Exten-sion is limited to the "specified causesof loss" as defined in that form, andCollapse as set forth in that form.

(3) If the Causes Of Loss - Broad Formapplies, coverage under this Exten-sion includes Collapse as set forth inthat form.

(4) Under this Extension, the most wewill pay to replace or restore the lostinformation is $2,500 at each de-scribed premises, unless a higher limitis shown in the Declarations. Suchamount is additional insurance. Wewill also pay for the cost of blank ma-terial for reproducing the records(whether or not duplicates exist), and(when there is a duplicate) for the costof labor to transcribe or copy therecords. The costs of blank materialand labor are subject to the applicableLimit of Insurance on Your BusinessPersonal Property and therefore cov-erage of such costs is not additionalinsurance.

d. Property Off-premises (1) You may extend the insurance pro-

vided by this Coverage Form to applyto your Covered Property while it isaway from the described premises, if itis:(a) Temporarily at a location you do

not own, lease or operate;(b) In storage at a location you lease,

provided the lease was executedafter the beginning of the currentpolicy term; or

(c) At any fair, trade show or exhibi-tion.

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CP 00 10 06 07Page 8 of 15 Copyright, ISO Properties, Inc., 2007 CP 00 10 06 07Page 8 of 15 Copyright, ISO Properties, Inc., 2007

(2) This Extension does not apply toproperty:(a) In or on a vehicle; or(b) In the care, custody or control of

your salespersons, unless theproperty is in such care, custodyor control at a fair, trade show orexhibition.

(3) The most we will pay for loss or dam-age under this Extension is $10,000.

e. Outdoor PropertyYou may extend the insurance providedby this Coverage Form to apply to youroutdoor fences, radio and television anten-nas (including satellite dishes), trees,shrubs and plants (other than "stock" oftrees, shrubs or plants), including debrisremoval expense, caused by or resultingfrom any of the following causes of loss ifthey are Covered Causes of Loss: (1) Fire;(2) Lightning;(3) Explosion;(4) Riot or Civil Commotion; or (5) Aircraft.The most we will pay for loss or damageunder this Extension is $1,000, but not more than $250 for any one tree, shrubor plant. These limits apply to any one oc-currence, regardless of the types ornumber of items lost or damaged in thatoccurrence.

f. Non-owned Detached Trailers(1) You may extend the insurance that ap-

plies to Your Business Personal Prop-erty to apply to loss or damage totrailers that you do not own, providedthat:(a) The trailer is used in your busi-

ness;(b) The trailer is in your care, custody

or control at the premises de-scribed in the Declarations; and

(c) You have a contractual responsi-bility to pay for loss or damage tothe trailer.

(2) We will not pay for any loss or damagethat occurs:(a) While the trailer is attached to any

motor vehicle or motorized con-veyance, whether or not the motorvehicle or motorized conveyanceis in motion;

(b) During hitching or unhitching op-erations, or when a trailer be-comes accidentally unhitchedfrom a motor vehicle or motorizedconveyance.

(3) The most we will pay for loss or dam-age under this Extension is $5,000,unless a higher limit is shown in theDeclarations.

(4) This insurance is excess over theamount due (whether you can collecton it or not) from any other insurancecovering such property.

Each of these Extensions is additional insur-ance unless otherwise indicated. The AdditionalCondition, Coinsurance, does not apply to theseExtensions.

B. Exclusions And Limitations See applicable Causes Of Loss Form as shown inthe Declarations.

C. Limits Of InsuranceThe most we will pay for loss or damage in any oneoccurrence is the applicable Limit of Insuranceshown in the Declarations. The most we will pay for loss or damage to outdoorsigns, whether or not the sign is attached to abuilding, is $2,500 per sign in any one occurrence. The amounts of insurance stated in the followingAdditional Coverages apply in accordance with theterms of such coverages and are separate from theLimit(s) of Insurance shown in the Declarations forany other coverage:1. Fire Department Service Charge;2. Pollutant Clean-up And Removal;3. Increased Cost Of Construction; and4. Electronic Data.Payments under the Preservation Of Property Ad-ditional Coverage will not increase the applicableLimit of Insurance.

(2) This Extension does not apply toproperty:(a) In or on a vehicle; or(b) In the care, custody or control of

your salespersons, unless theproperty is in such care, custodyor control at a fair, trade show orexhibition.

(3) The most we will pay for loss or dam-age under this Extension is $10,000.

e. Outdoor PropertyYou may extend the insurance providedby this Coverage Form to apply to youroutdoor fences, radio and television anten-nas (including satellite dishes), trees,shrubs and plants (other than "stock" oftrees, shrubs or plants), including debrisremoval expense, caused by or resultingfrom any of the following causes of loss ifthey are Covered Causes of Loss: (1) Fire;(2) Lightning;(3) Explosion;(4) Riot or Civil Commotion; or (5) Aircraft.The most we will pay for loss or damageunder this Extension is $1,000, but not more than $250 for any one tree, shrubor plant. These limits apply to any one oc-currence, regardless of the types ornumber of items lost or damaged in thatoccurrence.

f. Non-owned Detached Trailers(1) You may extend the insurance that ap-

plies to Your Business Personal Prop-erty to apply to loss or damage totrailers that you do not own, providedthat:(a) The trailer is used in your busi-

ness;(b) The trailer is in your care, custody

or control at the premises de-scribed in the Declarations; and

(c) You have a contractual responsi-bility to pay for loss or damage tothe trailer.

(2) We will not pay for any loss or damagethat occurs:(a) While the trailer is attached to any

motor vehicle or motorized con-veyance, whether or not the motorvehicle or motorized conveyanceis in motion;

(b) During hitching or unhitching op-erations, or when a trailer be-comes accidentally unhitchedfrom a motor vehicle or motorizedconveyance.

(3) The most we will pay for loss or dam-age under this Extension is $5,000,unless a higher limit is shown in theDeclarations.

(4) This insurance is excess over theamount due (whether you can collecton it or not) from any other insurancecovering such property.

Each of these Extensions is additional insur-ance unless otherwise indicated. The AdditionalCondition, Coinsurance, does not apply to theseExtensions.

B. Exclusions And Limitations See applicable Causes Of Loss Form as shown inthe Declarations.

C. Limits Of InsuranceThe most we will pay for loss or damage in any oneoccurrence is the applicable Limit of Insuranceshown in the Declarations. The most we will pay for loss or damage to outdoorsigns, whether or not the sign is attached to abuilding, is $2,500 per sign in any one occurrence. The amounts of insurance stated in the followingAdditional Coverages apply in accordance with theterms of such coverages and are separate from theLimit(s) of Insurance shown in the Declarations forany other coverage:1. Fire Department Service Charge;2. Pollutant Clean-up And Removal;3. Increased Cost Of Construction; and4. Electronic Data.Payments under the Preservation Of Property Ad-ditional Coverage will not increase the applicableLimit of Insurance.

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CP 00 10 06 07 Page 9 of 15Copyright, ISO Properties, Inc., 2007CP 00 10 06 07 Page 9 of 15Copyright, ISO Properties, Inc., 2007

D. DeductibleIn any one occurrence of loss or damage (herein-after referred to as loss), we will first reduce theamount of loss if required by the Coinsurance Con-dition or the Agreed Value Optional Coverage. Ifthe adjusted amount of loss is less than or equal tothe Deductible, we will not pay for that loss. If theadjusted amount of loss exceeds the Deductible,we will then subtract the Deductible from the ad-justed amount of loss, and will pay the resultingamount or the Limit of Insurance, whichever is less.When the occurrence involves loss to more thanone item of Covered Property and separate Limitsof Insurance apply, the losses will not be com-bined in determining application of the Deductible.But the Deductible will be applied only once peroccurrence.

EXAMPLE #1(This example assumes there is no Coinsurancepenalty.)Deductible: $ 250Limit of Insurance - Building #1: $ 60,000Limit of Insurance - Building #2: $ 80,000Loss to Building #1: $ 60,100Loss to Building #2: $ 90,000The amount of loss to Building #1 ($60,100) is lessthan the sum ($60,250) of the Limit of Insurance appli-cable to Building #1 plus the Deductible. The Deductible will be subtracted from the amount ofloss in calculating the loss payable for Building #1:

$ 60,100- 250$ 59,850 Loss Payable - Building #1

The Deductible applies once per occurrence and there-fore is not subtracted in determining the amount of losspayable for Building #2. Loss payable for Building #2is the Limit of Insurance of $80,000. Total amount of loss payable: $59,850 + $80,000 = $139,850

EXAMPLE #2(This example, too, assumes there is no Coinsurancepenalty.)The Deductible and Limits of Insurance are the sameas those in Example #1. Loss to Building #1: $ 70,000

(Exceeds Limit of Insurance plus Deductible)Loss to Building #2: $ 90,000

(Exceeds Limit of Insurance plus Deductible)Loss Payable - Building #1: $ 60,000

(Limit of Insurance)Loss Payable - Building #2: $ 80,000

(Limit of Insurance)Total amount of loss payable: $ 140,000E. Loss Conditions

The following conditions apply in addition to theCommon Policy Conditions and the CommercialProperty Conditions. 1. Abandonment

There can be no abandonment of any propertyto us.

2. AppraisalIf we and you disagree on the value of theproperty or the amount of loss, either maymake written demand for an appraisal of theloss. In this event, each party will select a com-petent and impartial appraiser. The two ap-praisers will select an umpire. If they cannotagree, either may request that selection bemade by a judge of a court having jurisdiction.The appraisers will state separately the value ofthe property and amount of loss. If they fail toagree, they will submit their differences to theumpire. A decision agreed to by any two willbe 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 ourright to deny the claim.

D. DeductibleIn any one occurrence of loss or damage (herein-after referred to as loss), we will first reduce theamount of loss if required by the Coinsurance Con-dition or the Agreed Value Optional Coverage. Ifthe adjusted amount of loss is less than or equal tothe Deductible, we will not pay for that loss. If theadjusted amount of loss exceeds the Deductible,we will then subtract the Deductible from the ad-justed amount of loss, and will pay the resultingamount or the Limit of Insurance, whichever is less.When the occurrence involves loss to more thanone item of Covered Property and separate Limitsof Insurance apply, the losses will not be com-bined in determining application of the Deductible.But the Deductible will be applied only once peroccurrence.

EXAMPLE #1(This example assumes there is no Coinsurancepenalty.)Deductible: $ 250Limit of Insurance - Building #1: $ 60,000Limit of Insurance - Building #2: $ 80,000Loss to Building #1: $ 60,100Loss to Building #2: $ 90,000The amount of loss to Building #1 ($60,100) is lessthan the sum ($60,250) of the Limit of Insurance appli-cable to Building #1 plus the Deductible. The Deductible will be subtracted from the amount ofloss in calculating the loss payable for Building #1:

$ 60,100- 250$ 59,850 Loss Payable - Building #1

The Deductible applies once per occurrence and there-fore is not subtracted in determining the amount of losspayable for Building #2. Loss payable for Building #2is the Limit of Insurance of $80,000. Total amount of loss payable: $59,850 + $80,000 = $139,850

EXAMPLE #2(This example, too, assumes there is no Coinsurancepenalty.)The Deductible and Limits of Insurance are the sameas those in Example #1. Loss to Building #1: $ 70,000

(Exceeds Limit of Insurance plus Deductible)Loss to Building #2: $ 90,000

(Exceeds Limit of Insurance plus Deductible)Loss Payable - Building #1: $ 60,000

(Limit of Insurance)Loss Payable - Building #2: $ 80,000

(Limit of Insurance)Total amount of loss payable: $ 140,000E. Loss Conditions

The following conditions apply in addition to theCommon Policy Conditions and the CommercialProperty Conditions. 1. Abandonment

There can be no abandonment of any propertyto us.

2. AppraisalIf we and you disagree on the value of theproperty or the amount of loss, either maymake written demand for an appraisal of theloss. In this event, each party will select a com-petent and impartial appraiser. The two ap-praisers will select an umpire. If they cannotagree, either may request that selection bemade by a judge of a court having jurisdiction.The appraisers will state separately the value ofthe property and amount of loss. If they fail toagree, they will submit their differences to theumpire. A decision agreed to by any two willbe 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 ourright to deny the claim.

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CP 00 10 06 07Page 10 of 15 Copyright, ISO Properties, Inc., 2007 CP 00 10 06 07Page 10 of 15 Copyright, ISO Properties, Inc., 2007

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 CoveredProperty:(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 theproperty involved.

(3) As soon as possible, give us a descrip-tion of how, when and where the lossor damage occurred.

(4) Take all reasonable steps to protectthe Covered Property from furtherdamage, and keep a record of yourexpenses necessary to protect theCovered Property, for consideration inthe settlement of the claim. This willnot increase the Limit of Insurance.However, we will not pay for any sub-sequent loss or damage resulting froma cause of loss that is not a CoveredCause of Loss. Also, if feasible, set thedamaged property aside and in thebest possible order for examination.

(5) At our request, give us complete in-ventories of the damaged and undam-aged property. Include quantities,costs, values and amount of lossclaimed.

(6) As often as may be reasonably re-quired, permit us to inspect the prop-erty proving the loss or damage andexamine your books and records. Also permit us to take samples ofdamaged and undamaged propertyfor inspection, testing and analysis,and permit us to make copies fromyour books and records.

(7) Send us a signed, sworn proof of losscontaining the information we requestto investigate the claim. You must dothis within 60 days after our request.We will supply you with the necessaryforms.

(8) Cooperate with us in the investigationor settlement of the claim.

b. We may examine any insured under oath,while not in the presence of any otherinsured and at such times as may be rea-sonably required, about any matter relat-ing to this insurance or the claim, includingan insured's books and records. In theevent of an examination, an insured's an-swers must be signed.

4. Loss Payment a. In the event of loss or damage covered by

this Coverage Form, at our option, we willeither:(1) Pay the value of lost or damaged

property;(2) Pay the cost of repairing or replacing

the lost or damaged property, subjectto b. below;

(3) Take all or any part of the property atan agreed or appraised value; or

(4) Repair, rebuild or replace the propertywith other property of like kind andquality, subject to b. below.

We will determine the value of lost or dam-aged property, or the cost of its repair orreplacement, in accordance with the appli-cable terms of the Valuation Condition inthis Coverage Form or any applicable pro-vision which amends or supersedes theValuation Condition.

b. The cost to repair, rebuild or replace doesnot include the increased cost attributableto enforcement of any ordinance or lawregulating the construction, use or repairof any property.

c. We will give notice of our intentions within30 days after we receive the sworn proof ofloss.

d. We will not pay you more than your finan-cial interest in the Covered Property.

e. We may adjust losses with the owners oflost or damaged property if other than you.If we pay the owners, such payments willsatisfy your claims against us for the own-ers' property. We will not pay the ownersmore than their financial interest in theCovered Property.

f. We may elect to defend you against suitsarising from claims of owners of property.We will do this at our expense.

g. We will pay for covered loss or damagewithin 30 days after we receive the swornproof of loss, if you have complied with allof the terms of this Coverage Part and: (1) We have reached agreement with you

on the amount of loss; or (2) An appraisal award has been made.

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 CoveredProperty:(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 theproperty involved.

(3) As soon as possible, give us a descrip-tion of how, when and where the lossor damage occurred.

(4) Take all reasonable steps to protectthe Covered Property from furtherdamage, and keep a record of yourexpenses necessary to protect theCovered Property, for consideration inthe settlement of the claim. This willnot increase the Limit of Insurance.However, we will not pay for any sub-sequent loss or damage resulting froma cause of loss that is not a CoveredCause of Loss. Also, if feasible, set thedamaged property aside and in thebest possible order for examination.

(5) At our request, give us complete in-ventories of the damaged and undam-aged property. Include quantities,costs, values and amount of lossclaimed.

(6) As often as may be reasonably re-quired, permit us to inspect the prop-erty proving the loss or damage andexamine your books and records. Also permit us to take samples ofdamaged and undamaged propertyfor inspection, testing and analysis,and permit us to make copies fromyour books and records.

(7) Send us a signed, sworn proof of losscontaining the information we requestto investigate the claim. You must dothis within 60 days after our request.We will supply you with the necessaryforms.

(8) Cooperate with us in the investigationor settlement of the claim.

b. We may examine any insured under oath,while not in the presence of any otherinsured and at such times as may be rea-sonably required, about any matter relat-ing to this insurance or the claim, includingan insured's books and records. In theevent of an examination, an insured's an-swers must be signed.

4. Loss Payment a. In the event of loss or damage covered by

this Coverage Form, at our option, we willeither:(1) Pay the value of lost or damaged

property;(2) Pay the cost of repairing or replacing

the lost or damaged property, subjectto b. below;

(3) Take all or any part of the property atan agreed or appraised value; or

(4) Repair, rebuild or replace the propertywith other property of like kind andquality, subject to b. below.

We will determine the value of lost or dam-aged property, or the cost of its repair orreplacement, in accordance with the appli-cable terms of the Valuation Condition inthis Coverage Form or any applicable pro-vision which amends or supersedes theValuation Condition.

b. The cost to repair, rebuild or replace doesnot include the increased cost attributableto enforcement of any ordinance or lawregulating the construction, use or repairof any property.

c. We will give notice of our intentions within30 days after we receive the sworn proof ofloss.

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g. We will pay for covered loss or damagewithin 30 days after we receive the swornproof of loss, if you have complied with allof the terms of this Coverage Part and: (1) We have reached agreement with you

on the amount of loss; or (2) An appraisal award has been made.

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CP 00 10 06 07 Page 11 of 15Copyright, ISO Properties, Inc., 2007CP 00 10 06 07 Page 11 of 15Copyright, ISO Properties, Inc., 2007

h. A party wall is a wall that separates and iscommon to adjoining buildings that areowned by different parties. In settling cov-ered losses involving a party wall, we willpay a proportion of the loss to the partywall based on your interest in the wall inproportion to the interest of the owner ofthe adjoining building. However, if youelect to repair or replace your building andthe owner of the adjoining building electsnot to repair or replace that building, wewill pay you the full value of the loss to theparty wall, subject to all applicable policyprovisions including Limits of Insurance,the Valuation and Coinsurance Conditionsand all other provisions of this Loss Pay-ment Condition. Our payment under theprovisions of this paragraph does not alterany right of subrogation we may haveagainst any entity, including the owner orinsurer of the adjoining building, and doesnot alter the terms of the Transfer OfRights Of Recovery Against Others To UsCondition in this policy.

5. Recovered Property If either you or we recover any property afterloss settlement, that party must give the otherprompt notice. At your option, the property willbe returned to you. You must then return to usthe amount we paid to you for the property.We will pay recovery expenses and the ex-penses to repair the recovered property, sub-ject to the Limit of Insurance.

6. Vacancya. Description Of Terms

(1) As used in this Vacancy Condition, theterm building and the term vacanthave the meanings set forth in (1)(a)and (1)(b) below: (a) When this policy is issued to a ten-

ant, and with respect to that ten-ant's interest in Covered Property,building means the unit or suiterented or leased to the tenant.Such building is vacant when itdoes not contain enough businesspersonal property to conduct cus-tomary operations.

(b) When this policy is issued to theowner or general lessee of a build-ing, building means the entirebuilding. Such building is vacantunless at least 31% of its totalsquare footage is:(i) Rented to a lessee or sub-les-

see and used by the lessee orsub-lessee to conduct its cus-tomary operations; and/or

(ii) Used by the building ownerto conduct customary opera-tions.

(2) Buildings under construction or reno-vation are not considered vacant.

b. Vacancy Provisions If the building where loss or damageoccurs has been vacant for more than60 consecutive days before that loss ordamage occurs: (1) We will not pay for any loss or damage

caused by any of the following even ifthey are Covered Causes of Loss: (a) Vandalism;(b) Sprinkler leakage, unless you

have protected the system againstfreezing;

(c) Building glass breakage; (d) Water damage; (e) Theft; or (f) Attempted theft.

(2) With respect to Covered Causes ofLoss other than those listed in b.(1)(a)through b.(1)(f) above, we will reducethe amount we would otherwise payfor the loss or damage by 15%.

7. ValuationWe will determine the value of Covered Prop-erty in the event of loss or damage as follows: a. At actual cash value as of the time of loss

or damage, except as provided in b., c., d.and e. below.

b. If the Limit of Insurance for Building satis-fies the Additional Condition, Coinsurance,and the cost to repair or replace the dam-aged building property is $2,500 or less,we will pay the cost of building repairs orreplacement.

h. A party wall is a wall that separates and iscommon to adjoining buildings that areowned by different parties. In settling cov-ered losses involving a party wall, we willpay a proportion of the loss to the partywall based on your interest in the wall inproportion to the interest of the owner ofthe adjoining building. However, if youelect to repair or replace your building andthe owner of the adjoining building electsnot to repair or replace that building, wewill pay you the full value of the loss to theparty wall, subject to all applicable policyprovisions including Limits of Insurance,the Valuation and Coinsurance Conditionsand all other provisions of this Loss Pay-ment Condition. Our payment under theprovisions of this paragraph does not alterany right of subrogation we may haveagainst any entity, including the owner orinsurer of the adjoining building, and doesnot alter the terms of the Transfer OfRights Of Recovery Against Others To UsCondition in this policy.

5. Recovered Property If either you or we recover any property afterloss settlement, that party must give the otherprompt notice. At your option, the property willbe returned to you. You must then return to usthe amount we paid to you for the property.We will pay recovery expenses and the ex-penses to repair the recovered property, sub-ject to the Limit of Insurance.

6. Vacancya. Description Of Terms

(1) As used in this Vacancy Condition, theterm building and the term vacanthave the meanings set forth in (1)(a)and (1)(b) below: (a) When this policy is issued to a ten-

ant, and with respect to that ten-ant's interest in Covered Property,building means the unit or suiterented or leased to the tenant.Such building is vacant when itdoes not contain enough businesspersonal property to conduct cus-tomary operations.

(b) When this policy is issued to theowner or general lessee of a build-ing, building means the entirebuilding. Such building is vacantunless at least 31% of its totalsquare footage is:(i) Rented to a lessee or sub-les-

see and used by the lessee orsub-lessee to conduct its cus-tomary operations; and/or

(ii) Used by the building ownerto conduct customary opera-tions.

(2) Buildings under construction or reno-vation are not considered vacant.

b. Vacancy Provisions If the building where loss or damageoccurs has been vacant for more than60 consecutive days before that loss ordamage occurs: (1) We will not pay for any loss or damage

caused by any of the following even ifthey are Covered Causes of Loss: (a) Vandalism;(b) Sprinkler leakage, unless you

have protected the system againstfreezing;

(c) Building glass breakage; (d) Water damage; (e) Theft; or (f) Attempted theft.

(2) With respect to Covered Causes ofLoss other than those listed in b.(1)(a)through b.(1)(f) above, we will reducethe amount we would otherwise payfor the loss or damage by 15%.

7. ValuationWe will determine the value of Covered Prop-erty in the event of loss or damage as follows: a. At actual cash value as of the time of loss

or damage, except as provided in b., c., d.and e. below.

b. If the Limit of Insurance for Building satis-fies the Additional Condition, Coinsurance,and the cost to repair or replace the dam-aged building property is $2,500 or less,we will pay the cost of building repairs orreplacement.

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CP 00 10 06 07Page 12 of 15 Copyright, ISO Properties, Inc., 2007 CP 00 10 06 07Page 12 of 15 Copyright, ISO Properties, Inc., 2007

The cost of building repairs or replace-ment does not include the increased costattributable to enforcement of any ordi-nance or law regulating the construction,use or repair of any property. However, the following property will be val-ued at the actual cash value even when at-tached to the building: (1) Awnings or floor coverings; (2) Appliances for refrigerating, ventilat-

ing, cooking, dishwashing or launder-ing; or

(3) Outdoor equipment or furniture. c. "Stock" you have sold but not delivered at

the selling price less discounts and ex-penses you otherwise would have had.

d. Glass at the cost of replacement withsafety-glazing material if required by law.

e. Tenants' Improvements and Bettermentsat:(1) Actual cash value of the lost or dam-

aged property if you make repairspromptly.

(2) A proportion of your original cost ifyou do not make repairs promptly. Wewill determine the proportionate valueas follows: (a) Multiply the original cost by the

number of days from the loss ordamage to the expiration of thelease; and

(b) Divide the amount determined in(a) above by the number of daysfrom the installation of improve-ments to the expiration of thelease.

If your lease contains a renewal op-tion, the expiration of the renewal op-tion period will replace the expirationof the lease in this procedure.

(3) Nothing if others pay for repairs or re-placement.

F. Additional ConditionsThe following conditions apply in addition to theCommon Policy Conditions and the CommercialProperty Conditions.

1. CoinsuranceIf a Coinsurance percentage is shown in theDeclarations, the following condition applies. a. We will not pay the full amount of any

loss if the value of Covered Property at thetime of loss times the Coinsurance per-centage shown for it in the Declarations isgreater than the Limit of Insurance for theproperty.Instead, we will determine the most we willpay using the following steps: (1) Multiply the value of Covered Property

at the time of loss by the Coinsurancepercentage;

(2) Divide the Limit of Insurance of theproperty by the figure determined inStep (1);

(3) Multiply the total amount of loss, be-fore the application of any deductible,by the figure determined in Step (2);and

(4) Subtract the deductible from the figuredetermined in Step (3).

We will pay the amount determined inStep (4) or the limit of insurance, which-ever is less. For the remainder, you willeither have to rely on other insurance orabsorb the loss yourself.

EXAMPLE #1 (UNDERINSURANCE)When: The value of the property is: $ 250,000

The Coinsurance percentagefor it is: 80%

The Limit of Insurance for it is: $ 100,000The Deductible is: $ 250The amount of loss is: $ 40,000

Step (1): $250,000 x 80% = $200,000(the minimum amount of insurance to meet your Coinsurance requirements)

Step (2): $100,000 $200,000 = .50Step (3): $40,000 x .50 = $20,000Step (4): $20,000 - $250 = $19,750We will pay no more than $19,750. The remaining$20,250 is not covered.

The cost of building repairs or replace-ment does not include the increased costattributable to enforcement of any ordi-nance or law regulating the construction,use or repair of any property. However, the following property will be val-ued at the actual cash value even when at-tached to the building: (1) Awnings or floor coverings; (2) Appliances for refrigerating, ventilat-

ing, cooking, dishwashing or launder-ing; or

(3) Outdoor equipment or furniture. c. "Stock" you have sold but not delivered at

the selling price less discounts and ex-penses you otherwise would have had.

d. Glass at the cost of replacement withsafety-glazing material if required by law.

e. Tenants' Improvements and Bettermentsat:(1) Actual cash value of the lost or dam-

aged property if you make repairspromptly.

(2) A proportion of your original cost ifyou do not make repairs promptly. Wewill determine the proportionate valueas follows: (a) Multiply the original cost by the

number of days from the loss ordamage to the expiration of thelease; and

(b) Divide the amount determined in(a) above by the number of daysfrom the installation of improve-ments to the expiration of thelease.

If your lease contains a renewal op-tion, the expiration of the renewal op-tion period will replace the expirationof the lease in this procedure.

(3) Nothing if others pay for repairs or re-placement.

F. Additional ConditionsThe following conditions apply in addition to theCommon Policy Conditions and the CommercialProperty Conditions.

1. CoinsuranceIf a Coinsurance percentage is shown in theDeclarations, the following condition applies. a. We will not pay the full amount of any

loss if the value of Covered Property at thetime of loss times the Coinsurance per-centage shown for it in the Declarations isgreater than the Limit of Insurance for theproperty.Instead, we will determine the most we willpay using the following steps: (1) Multiply the value of Covered Property

at the time of loss by the Coinsurancepercentage;

(2) Divide the Limit of Insurance of theproperty by the figure determined inStep (1);

(3) Multiply the total amount of loss, be-fore the application of any deductible,by the figure determined in Step (2);and

(4) Subtract the deductible from the figuredetermined in Step (3).

We will pay the amount determined inStep (4) or the limit of insurance, which-ever is less. For the remainder, you willeither have to rely on other insurance orabsorb the loss yourself.

EXAMPLE #1 (UNDERINSURANCE)When: The value of the property is: $ 250,000

The Coinsurance percentagefor it is: 80%

The Limit of Insurance for it is: $ 100,000The Deductible is: $ 250The amount of loss is: $ 40,000

Step (1): $250,000 x 80% = $200,000(the minimum amount of insurance to meet your Coinsurance requirements)

Step (2): $100,000 $200,000 = .50Step (3): $40,000 x .50 = $20,000Step (4): $20,000 - $250 = $19,750We will pay no more than $19,750. The remaining$20,250 is not covered.

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EXAMPLE #1 (UNDERINSURANCE)EXAMPLE #1 (UNDERINSURANCE)EXAMPLE #1 (UNDERINSURANCE)

SAMPLEEXAMPLE #1 (UNDERINSURANCE)EXAMPLE #1 (UNDERINSURANCE)EXAMPLE #1 (UNDERINSURANCE)When:

SAMPLEWhen:When:When:When:

SAMPLEWhen:When:When: The value of the property is:The value of the property is:The value of the property is:

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SAMPLE$250,000 x 80% = $200,000

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SAMPLE$40,000 x .50 = $20,000$40,000 x .50 = $20,000$40,000 x .50 = $20,000

CP 00 10 06 07 Page 13 of 15Copyright, ISO Properties, Inc., 2007CP 00 10 06 07 Page 13 of 15Copyright, ISO Properties, Inc., 2007

EXAMPLE #2 (ADEQUATE INSURANCE)When: The value of the property is: $ 250,000

The Coinsurance percentage for it is: 80%The Limit of Insurance for it is: $ 200,000The Deductible is: $ 250The amount of loss is: $ 40,000

The minimum amount of insurance to meet your Coin-surance requirement is $200,000 ($250,000 x 80%).Therefore, the Limit of Insurance in this example is ad-equate and no penalty applies. We will pay no morethan $39,750 ($40,000 amount of loss minus the de-ductible of $250).

b. If one Limit of Insurance applies to two ormore separate items, this condition will ap-ply to the total of all property to which thelimit applies.

EXAMPLE #3When: The value of the property is:

Building at Location #1: $ 75,000Building at Location #2: $ 100,000Personal Property at Location #2: $ 75,000

$ 250,000The Coinsurance percentage for it is: 90%The Limit of Insurance for Buildings and Personal Property at Locations #1 and #2 is: $ 180,000The Deductible is: $ 1,000The amount of loss is:Building at Location #2: $ 30,000Personal Property at Location #2: $20,000

$ 50,000Step (1): $250,000 x 90% = $225,000

(the minimum amount of insurance to meet your Coinsurance requirements and to avoid the penalty shown below)

Step (2): $180,000 $225.000 = .80Step (3): $50,000 x .80 = $40,000Step (4): $40,000 - $1,000 = $39,000We will pay no more than $39,000. The remaining$11,000 is not covered.

2. Mortgageholdersa. The term mortgageholder includes trustee. b. We will pay for covered loss of or damage

to buildings or structures to each mort-gageholder shown in the Declarations intheir order of precedence, as interests mayappear.

c. The mortgageholder has the right to re-ceive loss payment even if the mortgage-holder has started foreclosure or similaraction on the building or structure.

d. If we deny your claim because of your actsor because you have failed to comply withthe terms of this Coverage Part, the mort-gageholder will still have the right to re-ceive loss payment if the mortgageholder: (1) Pays any premium due under this

Coverage Part at our request if youhave failed to do so;

(2) Submits a signed, sworn proof of losswithin 60 days after receiving noticefrom us of your failure to do so; and

(3) Has notified us of any change inownership, occupancy or substantialchange in risk known to the mortgage-holder.

All of the terms of this Coverage Part willthen apply directly to the mortgageholder.

e. If we pay the mortgageholder for any lossor damage and deny payment to you be-cause of your acts or because you havefailed to comply with the terms of this Cov-erage Part: (1) The mortgageholder's rights under the

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

(2) The mortgageholder's right to recoverthe full amount of the mortgage-holder's claim will not be impaired.

At our option, we may pay to the mort-gageholder the whole principal on themortgage plus any accrued interest. In thisevent, your mortgage and note will betransferred to us and you will pay your re-maining mortgage debt to us.

EXAMPLE #2 (ADEQUATE INSURANCE)When: The value of the property is: $ 250,000

The Coinsurance percentage for it is: 80%The Limit of Insurance for it is: $ 200,000The Deductible is: $ 250The amount of loss is: $ 40,000

The minimum amount of insurance to meet your Coin-surance requirement is $200,000 ($250,000 x 80%).Therefore, the Limit of Insurance in this example is ad-equate and no penalty applies. We will pay no morethan $39,750 ($40,000 amount of loss minus the de-ductible of $250).

b. If one Limit of Insurance applies to two ormore separate items, this condition will ap-ply to the total of all property to which thelimit applies.

EXAMPLE #3When: The value of the property is:

Building at Location #1: $ 75,000Building at Location #2: $ 100,000Personal Property at Location #2: $ 75,000

$ 250,000The Coinsurance percentage for it is: 90%The Limit of Insurance for Buildings and Personal Property at Locations #1 and #2 is: $ 180,000The Deductible is: $ 1,000The amount of loss is:Building at Location #2: $ 30,000Personal Property at Location #2: $20,000

$ 50,000Step (1): $250,000 x 90% = $225,000

(the minimum amount of insurance to meet your Coinsurance requirements and to avoid the penalty shown below)

Step (2): $180,000 $225.000 = .80Step (3): $50,000 x .80 = $40,000Step (4): $40,000 - $1,000 = $39,000We will pay no more than $39,000. The remaining$11,000 is not covered.

2. Mortgageholdersa. The term mortgageholder includes trustee. b. We will pay for covered loss of or damage

to buildings or structures to each mort-gageholder shown in the Declarations intheir order of precedence, as interests mayappear.

c. The mortgageholder has the right to re-ceive loss payment even if the mortgage-holder has started foreclosure or similaraction on the building or structure.

d. If we deny your claim because of your actsor because you have failed to comply withthe terms of this Coverage Part, the mort-gageholder will still have the right to re-ceive loss payment if the mortgageholder: (1) Pays any premium due under this

Coverage Part at our request if youhave failed to do so;

(2) Submits a signed, sworn proof of losswithin 60 days after receiving noticefrom us of your failure to do so; and

(3) Has notified us of any change inownership, occupancy or substantialchange in risk known to the mortgage-holder.

All of the terms of this Coverage Part willthen apply directly to the mortgageholder.

e. If we pay the mortgageholder for any lossor damage and deny payment to you be-cause of your acts or because you havefailed to comply with the terms of this Cov-erage Part: (1) The mortgageholder's rights under the

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

(2) The mortgageholder's right to recoverthe full amount of the mortgage-holder's claim will not be impaired.

At our option, we may pay to the mort-gageholder the whole principal on themortgage plus any accrued interest. In thisevent, your mortgage and note will betransferred to us and you will pay your re-maining mortgage debt to us.

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CP 00 10 06 07Page 14 of 15 Copyright, ISO Properties, Inc., 2007 CP 00 10 06 07Page 14 of 15 Copyright, ISO Properties, Inc., 2007

f. If we cancel this policy, we will give writtennotice 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 otherreason.

g. If we elect not to renew this policy, we willgive written notice to the mortgageholderat least 10 days before the expiration dateof this policy.

G. Optional CoveragesIf shown as applicable in the Declarations, the fol-lowing Optional Coverages apply separately toeach item. 1. Agreed Value

a. The Additional Condition, Coinsurance,does not apply to Covered Property towhich this Optional Coverage applies. Wewill pay no more for loss of or damage tothat property than the proportion that theLimit of Insurance under this CoveragePart for the property bears to the AgreedValue shown for it in the Declarations.

b. If the expiration date for this OptionalCoverage shown in the Declarations is notextended, the Additional Condition, Coin-surance, is reinstated and this OptionalCoverage expires.

c. The terms of this Optional Coverage applyonly to loss or damage that occurs: (1) On or after the effective date of this

Optional Coverage; and (2) Before the Agreed Value expiration

date shown in the Declarations or thepolicy expiration date, whichever oc-curs first.

2. Inflation Guard a. The Limit of Insurance for property to

which this Optional Coverage applied willautomatically increase by the annual per-centage shown in the Declarations.

b. The amount of increase will be: (1) The Limit of Insurance that applied on

the most recent of the policy inceptiondate, the policy anniversary date, orany other policy change amending theLimit of Insurance, times

(2) The percentage of annual increaseshown in the Declarations, expressedas a decimal (example: 8% is .08),times

(3) The number of days since the begin-ning of the current policy year or theeffective date of the most recent policychange amending the Limit of Insur-ance, divided by 365.

EXAMPLEIf: The applicable Limit of Insurance is: $ 100,000

The annual percentage increase is: 8%The number of days since the beginning of the policy year (or last policy change) is: 146The amount of increase is: $100,000 x .08 x 146 365 = $ 3,200

3. Replacement Cost a. Replacement Cost (without deduction for

depreciation) replaces Actual Cash Valuein the Valuation Loss Condition of thisCoverage Form.

b. This Optional Coverage does not apply to: (1) Personal property of others; (2) Contents of a residence; (3) Works of art, antiques or rare articles,

including etchings, pictures, statuary,marbles, bronzes, porcelains andbric-a-brac; or

(4) "Stock", unless the Including "Stock"option is shown in the Declarations.

Under the terms of this Replacement CostOptional Coverage, tenants' improve-ments and betterments are not consideredto be the personal property of others.

c. You may make a claim for loss or damagecovered by this insurance on an actualcash value basis instead of on a replace-ment cost basis. In the event you elect tohave loss or damage settled on an actualcash value basis, you may still make aclaim for the additional coverage this Op-tional Coverage provides if you notify us ofyour intent to do so within 180 days afterthe loss or damage.

d. We will not pay on a replacement costbasis for any loss or damage: (1) Until the lost or damaged property is

actually repaired or replaced; and (2) Unless the repairs or replacement are

made as soon as reasonably possibleafter the loss or damage.

f. If we cancel this policy, we will give writtennotice 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 otherreason.

g. If we elect not to renew this policy, we willgive written notice to the mortgageholderat least 10 days before the expiration dateof this policy.

G. Optional CoveragesIf shown as applicable in the Declarations, the fol-lowing Optional Coverages apply separately toeach item. 1. Agreed Value

a. The Additional Condition, Coinsurance,does not apply to Covered Property towhich this Optional Coverage applies. Wewill pay no more for loss of or damage tothat property than the proportion that theLimit of Insurance under this CoveragePart for the property bears to the AgreedValue shown for it in the Declarations.

b. If the expiration date for this OptionalCoverage shown in the Declarations is notextended, the Additional Condition, Coin-surance, is reinstated and this OptionalCoverage expires.

c. The terms of this Optional Coverage applyonly to loss or damage that occurs: (1) On or after the effective date of this

Optional Coverage; and (2) Before the Agreed Value expiration

date shown in the Declarations or thepolicy expiration date, whichever oc-curs first.

2. Inflation Guard a. The Limit of Insurance for property to

which this Optional Coverage applied willautomatically increase by the annual per-centage shown in the Declarations.

b. The amount of increase will be: (1) The Limit of Insurance that applied on

the most recent of the policy inceptiondate, the policy anniversary date, orany other policy change amending theLimit of Insurance, times

(2) The percentage of annual increaseshown in the Declarations, expressedas a decimal (example: 8% is .08),times

(3) The number of days since the begin-ning of the current policy year or theeffective date of the most recent policychange amending the Limit of Insur-ance, divided by 365.

EXAMPLEIf: The applicable Limit of Insurance is: $ 100,000

The annual percentage increase is: 8%The number of days since the beginning of the policy year (or last policy change) is: 146The amount of increase is: $100,000 x .08 x 146 365 = $ 3,200

3. Replacement Cost a. Replacement Cost (without deduction for

depreciation) replaces Actual Cash Valuein the Valuation Loss Condition of thisCoverage Form.

b. This Optional Coverage does not apply to: (1) Personal property of others; (2) Contents of a residence; (3) Works of art, antiques or rare articles,

including etchings, pictures, statuary,marbles, bronzes, porcelains andbric-a-brac; or

(4) "Stock", unless the Including "Stock"option is shown in the Declarations.

Under the terms of this Replacement CostOptional Coverage, tenants' improve-ments and betterments are not consideredto be the personal property of others.

c. You may make a claim for loss or damagecovered by this insurance on an actualcash value basis instead of on a replace-ment cost basis. In the event you elect tohave loss or damage settled on an actualcash value basis, you may still make aclaim for the additional coverage this Op-tional Coverage provides if you notify us ofyour intent to do so within 180 days afterthe loss or damage.

d. We will not pay on a replacement costbasis for any loss or damage: (1) Until the lost or damaged property is

actually repaired or replaced; and (2) Unless the repairs or replacement are

made as soon as reasonably possibleafter the loss or damage.

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CP 00 10 06 07 Page 15 of 15Copyright, ISO Properties, Inc., 2007CP 00 10 06 07 Page 15 of 15Copyright, ISO Properties, Inc., 2007

With respect to tenants' improvementsand betterments, the following also apply:(3) If the conditions in d.(1) and d.(2)

above are not met, the value of ten-ants' improvements and bettermentswill be determined as a proportion ofyour original cost, as set forth in theValuation Loss Condition of this Cov-erage Form; and

(4) We will not pay for loss or damageto tenants' improvements and better-ments if others pay for repairs orreplacement.

e. We will not pay more for loss or damageon a replacement cost basis than the leastof (1), (2) or (3), subject to f. below:(1) The Limit of Insurance applicable to

the lost or damaged property; (2) The cost to replace the lost or dam-

aged property with other property: (a) Of comparable material and qual-

ity; and (b) Used for the same purpose; or

(3) The amount actually spent that is nec-essary to repair or replace the lost ordamaged property.

If a building is rebuilt at a new premises,the cost described in e.(2) above is limitedto the cost which would have been in-curred if the building had been rebuilt atthe original premises.

f. The cost of repair or replacement does notinclude the increased cost attributable toenforcement of any ordinance or law regu-lating the construction, use or repair of anyproperty.

4. Extension Of Replacement Cost To PersonalProperty Of Othersa. If the Replacement Cost Optional Cover-

age is shown as applicable in the Declara-tions, then this Extension may also beshown as applicable. If the Declarationsshow this Extension as applicable, thenParagraph 3.b.(1) of the ReplacementCost Optional Coverage is deleted and allother provisions of the Replacement CostOptional Coverage apply to replacementcost on personal property of others.

b. With respect to replacement cost on thepersonal property of others, the followinglimitation applies:If an item(s) of personal property of othersis subject to a written contract which gov-erns your liability for loss or damage tothat item(s), then valuation of that item(s)will be based on the amount for which youare liable under such contract, but not to exceed the lesser of the replacement costof the property or the applicable Limit ofInsurance.

H. Definitions1. "Fungus" means any type or form of fungus, in-

cluding mold or mildew, and any mycotoxins,spores, scents or by-products produced or re-leased by fungi.

2. "Pollutants" means any solid, liquid, gaseousor thermal irritant or contaminant, includingsmoke, vapor, soot, fumes, acids, alkalis,chemicals and waste. Waste includes materialsto be recycled, reconditioned or reclaimed.

3. "Stock" means merchandise held in storage orfor sale, raw materials and in-process or fin-ished goods, including supplies used in theirpacking or shipping.

With respect to tenants' improvementsand betterments, the following also apply:(3) If the conditions in d.(1) and d.(2)

above are not met, the value of ten-ants' improvements and bettermentswill be determined as a proportion ofyour original cost, as set forth in theValuation Loss Condition of this Cov-erage Form; and

(4) We will not pay for loss or damageto tenants' improvements and better-ments if others pay for repairs orreplacement.

e. We will not pay more for loss or damageon a replacement cost basis than the leastof (1), (2) or (3), subject to f. below:(1) The Limit of Insurance applicable to

the lost or damaged property; (2) The cost to replace the lost or dam-

aged property with other property: (a) Of comparable material and qual-

ity; and (b) Used for the same purpose; or

(3) The amount actually spent that is nec-essary to repair or replace the lost ordamaged property.

If a building is rebuilt at a new premises,the cost described in e.(2) above is limitedto the cost which would have been in-curred if the building had been rebuilt atthe original premises.

f. The cost of repair or replacement does notinclude the increased cost attributable toenforcement of any ordinance or law regu-lating the construction, use or repair of anyproperty.

4. Extension Of Replacement Cost To PersonalProperty Of Othersa. If the Replacement Cost Optional Cover-

age is shown as applicable in the Declara-tions, then this Extension may also beshown as applicable. If the Declarationsshow this Extension as applicable, thenParagraph 3.b.(1) of the ReplacementCost Optional Coverage is deleted and allother provisions of the Replacement CostOptional Coverage apply to replacementcost on personal property of others.

b. With respect to replacement cost on thepersonal property of others, the followinglimitation applies:If an item(s) of personal property of othersis subject to a written contract which gov-erns your liability for loss or damage tothat item(s), then valuation of that item(s)will be based on the amount for which youare liable under such contract, but not to exceed the lesser of the replacement costof the property or the applicable Limit ofInsurance.

H. Definitions1. "Fungus" means any type or form of fungus, in-

cluding mold or mildew, and any mycotoxins,spores, scents or by-products produced or re-leased by fungi.

2. "Pollutants" means any solid, liquid, gaseousor thermal irritant or contaminant, includingsmoke, vapor, soot, fumes, acids, alkalis,chemicals and waste. Waste includes materialsto be recycled, reconditioned or reclaimed.

3. "Stock" means merchandise held in storage orfor sale, raw materials and in-process or fin-ished goods, including supplies used in theirpacking or shipping.

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CF 189(7-88)

CP 00 90 07 88

COMMERCIAL PROPERTY CONDITIONSThis Coverage Part is subject to the following conditions,the Common Policy Conditions and applicable Loss Con -ditions and Additional Conditions in Commercial PropertyCoverage Forms.A. CONCEALMENT, MISREPRESENTATION OR

FRAUDThis Coverage Part is void in any case of fraud by youas it relates to this Coverage Part at any time. It is alsovoid if you or any other insured, at any time, intention-ally conceal or misrepresent a material fact concern -ing:1. This Coverage Part;2. The Covered Property;3. Your interest in the Covered Property; or4. A claim under this Coverage Part.

B. CONTROL OF PROPERTYAny act or neglect of any person other than youbeyond your direction or control will not affect thisinsurance.The breach of any condition of this Coverage Part atany one or more locations will not affect coverage atany location where, at the time of loss or damage, thebreach of condition does not exist.

C. INSURANCE UNDER TWO OR MORE COVER-AGESIf two or more of this policy's coverages apply to thesame loss or damage, we will not pay more than theactual amount of the loss or damage.

D. LEGAL ACTION AGAINST USNo one may bring a legal action against us under thisCoverage Part unless:1. There has been full compliance with all of the

terms of this Coverage Part; and2. The action is brought within 2 years after the date

on which the direct physical loss or damage oc -curred.

E. LIBERALIZATIONIf we adopt any revision that would broaden thecoverage under this Coverage Part without additionalpremium within 45 days prior to or during the policyperiod, the broadened coverage will immediatelyapply to this Coverage Part.

F. NO BENEFIT TO BAILEENo person or organization, other than you, havingcustody of Covered Property will benefit from thisinsurance.

G. OTHER INSURANCE

1. You may have other insurance subject to thesame plan, terms, conditions and provisions asthe insurance under this Coverage Part. If you do,we will pay our share of the covered loss ordamage. Our share is the proportion that theapplicable Limit of Insurance under this CoveragePart bears to the Limits Of Insurance of all in -surance covering on the same basis.

2. If there is other insurance covering the same lossor damage, other than that described in 1. above,we will pay only for the amount of covered loss ordamage in excess of the amount due from thatother insurance, whether you can collect on it ornot. But we will not pay more than the applicableLimit of Insurance.

H. POLICY PERIOD, COVERAGE TERRITORYUnder this Coverage Part:1. We cover loss or damage commencing:

a. During the policy period shown in the Decla -rations; and

b. Within the coverage territory.2. The coverage territory is:

a. The United States of America (including itsterritories and possessions);

b. Puerto Rico; andc. Canada.

I. TRANSFER OF RIGHTS OF RECOVERY AGAINSTOTHERS TO USIf any person or organization to or for whom we makepayment under this Coverage Part has rights torecover damages from another, those rights aretransferred to us to the extent of our payment. Thatperson or organization must do everything necessaryto secure our rights and must do nothing after loss toimpair them. But you may waive your rights againstanother party in writing:1. Prior to a loss to your Covered Property or

Covered Income.2. After a loss to your Covered Property or Covered

Income only if, at time of loss, that party is one ofthe following:a. Someone insured by this insurance;b. A business firm:

(1) Owned or controlled by you; or(2) That owns or controls you; or

c. Your tenant.This will not restrict your insurance.

CF 189 (7-88)CP 00 90 07 88 Copyright, ISO Commercial Risk Services, Inc., 1983, 1987 Page 1 of 1

SAMPLE

ally conceal or misrepresent a material fact concernSAMPLE

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This Coverage Part;SAMPLE

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Your interest in the Covered Property; orA claim under this Coverage Part.

SAMPLE

A claim under this Coverage Part.CONTROL OF PROPERTY

SAMPLE

CONTROL OF PROPERTYAny act or neglect of any person other than you

SAMPLE

Any act or neglect of any person other than youbeyond your direction or control will not affect this

SAMPLE

beyond your direction or control will not affect this

The breach of any condition of this Coverage Part at

SAMPLEThe breach of any condition of this Coverage Part atany one or more locations will not affect coverage at

SAMPLEany one or more locations will not affect coverage atany location where, at the time of loss or damage, the

SAMPLEany location where, at the time of loss or damage, the

INSURANCE UNDER TWO OR MORE COVER-

SAMPLEINSURANCE UNDER TWO OR MORE COVER-

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SAMPLETRANSFER OF RIGHTS OF RECOVERY AGAINSTOTHERS TO US

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CP 01 40 07 06 Copyright, ISO Properties, Inc., 2006 Page 1 of 1

COMMERCIAL PROPERTYCP 01 40 07 06

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

EXCLUSION OF LOSS DUE TO VIRUS OR BACTERIA

This endorsement modifies insurance provided under the following:

COMMERCIAL PROPERTY COVERAGE PARTSTANDARD PROPERTY POLICY

A. The exclusion set forth in Paragraph B. applies toall coverage under all forms and endorsementsthat comprise this Coverage Part or Policy, includ-ing but not limited to forms or endorsements thatcover property damage to buildings or personalproperty and forms or endorsements that coverbusiness income, extra expense or action of civilauthority.

B. We will not pay for loss or damage caused by orresulting from any virus, bacterium or other micro-organism that induces or is capable of inducingphysical distress, illness or disease.However, this exclusion does not apply to loss ordamage caused by or resulting from "fungus",wet rot or dry rot. Such loss or damage is ad-dressed in a separate exclusion in this CoveragePart or Policy.

C. With respect to any loss or damage subject to theexclusion in Paragraph B., such exclusion super-sedes any exclusion relating to "pollutants".

D. The following provisions in this Coverage Part orPolicy are hereby amended to remove reference tobacteria:1. Exclusion of "Fungus", Wet Rot, Dry Rot And

Bacteria; and2. Additional Coverage - Limited Coverage for

"Fungus", Wet Rot, Dry Rot And Bacteria, in-cluding any endorsement increasing the scopeor amount of coverage.

E. The terms of the exclusion in Paragraph B., or theinapplicability of this exclusion to a particular loss,do not serve to create coverage for any loss thatwould otherwise be excluded under this CoveragePart or Policy.

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Copyright, Insurance Services Office, Inc., 2008CP 10 32 08 08 Page 1 of 1Copyright, Insurance Services Office, Inc., 2008CP 10 32 08 08 Page 1 of 1

COMMERCIAL EXCESS LIABILITYCP 10 32 08 08

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

WATER EXCLUSION ENDORSEMENT

This endorsement modifies insurance provided under the following:

COMMERCIAL PROPERTY COVERAGE PARTSTANDARD PROPERTY POLICY

A. The exclusion in Paragraph B. replaces the WaterExclusion in this Coverage Part or Policy.

B. Water1. Flood, surface water, waves (including tidal

wave and tsunami), tides, tidal water, overflowof any body of water, or spray from any ofthese, all whether or not driven by wind (in-cluding storm surge);

2. Mudslide or mudflow;3. Water that backs up or overflows or is other-

wise discharged from a sewer, drain, sump,sump pump or related equipment;

4. Water under the ground surface pressing on,or flowing or seeping through:a. Foundations, walls, floors or paved

surfaces;b. Basements, whether paved or not; orc. Doors, windows or other openings; or

5. Waterborne material carried or otherwisemoved by any of the water referred to in Para-graph 1., 3. or 4., or material carried or other-wise moved by mudslide or mudflow.

This exclusion applies regardless of whether any ofthe above, in Paragraphs 1. through 5., is causedby an act of nature or is otherwise caused. An ex-ample of a situation to which this exclusion appliesis the situation where a dam, levee, seawall orother boundary or containment system fails inwhole or in part, for any reason, to contain thewater.But if any of the above, in Paragraphs 1.through 5., results in fire, explosion or sprinklerleakage, we will pay for the loss or damage causedby that fire, explosion or sprinkler leakage (if sprin-kler leakage is a Covered Cause of Loss).

COMMERCIAL EXCESS LIABILITYCP 10 32 08 08

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

WATER EXCLUSION ENDORSEMENT

This endorsement modifies insurance provided under the following:

COMMERCIAL PROPERTY COVERAGE PARTSTANDARD PROPERTY POLICY

A. The exclusion in Paragraph B. replaces the WaterExclusion in this Coverage Part or Policy.

B. Water1. Flood, surface water, waves (including tidal

wave and tsunami), tides, tidal water, overflowof any body of water, or spray from any ofthese, all whether or not driven by wind (in-cluding storm surge);

2. Mudslide or mudflow;3. Water that backs up or overflows or is other-

wise discharged from a sewer, drain, sump,sump pump or related equipment;

4. Water under the ground surface pressing on,or flowing or seeping through:a. Foundations, walls, floors or paved

surfaces;b. Basements, whether paved or not; orc. Doors, windows or other openings; or

5. Waterborne material carried or otherwisemoved by any of the water referred to in Para-graph 1., 3. or 4., or material carried or other-wise moved by mudslide or mudflow.

This exclusion applies regardless of whether any ofthe above, in Paragraphs 1. through 5., is causedby an act of nature or is otherwise caused. An ex-ample of a situation to which this exclusion appliesis the situation where a dam, levee, seawall orother boundary or containment system fails inwhole or in part, for any reason, to contain thewater.But if any of the above, in Paragraphs 1.through 5., results in fire, explosion or sprinklerleakage, we will pay for the loss or damage causedby that fire, explosion or sprinkler leakage (if sprin-kler leakage is a Covered Cause of Loss).

Agent

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SAMPLE

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SAMPLE

isisisis

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isisis other-

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other-other-other-other-

SAMPLE

other-other-other-sewer,

SAMPLEsewer,sewer,sewer,sewer,

SAMPLEsewer,sewer,sewer, drain,

SAMPLEdrain,drain,drain,drain,

SAMPLEdrain,drain,drain, sump,

SAMPLEsump,sump,sump,sump,

SAMPLEsump,sump,sump,

sump pump or related equipment;sump pump or related equipment;sump pump or related equipment;

SAMPLEsump pump or related equipment;sump pump or related equipment;sump pump or related equipment;

surfacesurfacesurface

SAMPLEsurfacesurfacesurface pressing

SAMPLEpressingpressingpressingpressing

SAMPLEpressingpressingpressing on,on,on,

SAMPLEon,on,on,

or

SAMPLEorororor

SAMPLEororor pavedpavedpaved

SAMPLEpavedpavedpaved

throughthroughthrough

SAMPLEthroughthroughthroughleakage,

SAMPLEleakage,leakage,leakage,leakage,

SAMPLEleakage,leakage,leakage,by

SAMPLEbybybyby

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SAMPLEthatthatthatthat

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kler leakage is a Covered Cause of Loss).kler leakage is a Covered Cause of Loss).kler leakage is a Covered Cause of Loss).

SAMPLEkler leakage is a Covered Cause of Loss).kler leakage is a Covered Cause of Loss).kler leakage is a Covered Cause of Loss).

Copyright, ISO Properties, Inc., 2007CP 10 10 06 07 Page 1 of 6Copyright, ISO Properties, Inc., 2007CP 10 10 06 07 Page 1 of 6

COMMERCIAL PROPERTYCP 10 10 06 07

CAUSES OF LOSS - BASIC FORM

A. Covered Causes Of Loss When Basic is shown in the Declarations, CoveredCauses of Loss means the following: 1. Fire.2. Lightning.3. Explosion, including the explosion of gases or

fuel within the furnace of any fired vessel orwithin the flues or passages through which thegases of combustion pass. This cause of lossdoes not include loss or damage by: a. Rupture, bursting or operation of pres-

sure-relief devices; or b. Rupture or bursting due to expansion or

swelling of the contents of any building orstructure, caused by or resulting fromwater.

4. Windstorm or Hail, but not including: a. Frost or cold weather; b. Ice (other than hail), snow or sleet,

whether driven by wind or not; or c. Loss or damage to the interior of any

building or structure, or the property insidethe building or structure, caused by rain,snow, sand or dust, whether driven bywind or not, unless the building or struc-ture first sustains wind or hail damage toits roof or walls through which the rain,snow, sand or dust enters.

5. Smoke causing sudden and accidental loss ordamage. This cause of loss does not includesmoke from agricultural smudging or industrialoperations.

6. Aircraft or Vehicles, meaning only physicalcontact of an aircraft, a spacecraft, a self-pro-pelled missile, a vehicle or an object thrown upby a vehicle with the described property orwith the building or structure containing thedescribed property. This cause of loss in-cludes loss or damage by objects falling fromaircraft.We will not pay for loss or damage caused byor resulting from vehicles you own or whichare operated in the course of your business.

7. Riot or Civil Commotion, including: a. Acts of striking employees while occupy-

ing the described premises; and b. Looting occurring at the time and place of

a riot or civil commotion. 8. Vandalism, meaning willful and malicious

damage to, or destruction of, the describedproperty.We will not pay for loss or damage caused byor resulting from theft, except for building dam-age caused by the breaking in or exiting ofburglars.

9. Sprinkler Leakage, meaning leakage or dis-charge of any substance from an AutomaticSprinkler System, including collapse of a tankthat is part of the system. If the building or structure containing the Auto-matic Sprinkler System is Covered Property,we will also pay the cost to: a. Repair or replace damaged parts of the

Automatic Sprinkler System if the damage: (1) Results in sprinkler leakage; or (2) Is directly caused by freezing.

b. Tear out and replace any part of the build-ing or structure to repair damage to theAutomatic Sprinkler System that has re-sulted in sprinkler leakage. Automatic Sprinkler System means: (1) Any automatic fire-protective or extin-

guishing system, including connected: (a) Sprinklers and discharge nozzles; (b) Ducts, pipes, valves and fittings; (c) Tanks, their component parts and

supports; and (d) Pumps and private fire protection

mains.(2) When supplied from an automatic

fire-protective system: (a) Non-automatic fire-protective sys-

tems; and (b) Hydrants, standpipes and outlets.

COMMERCIAL PROPERTYCP 10 10 06 07

CAUSES OF LOSS - BASIC FORM

A. Covered Causes Of Loss When Basic is shown in the Declarations, CoveredCauses of Loss means the following: 1. Fire.2. Lightning.3. Explosion, including the explosion of gases or

fuel within the furnace of any fired vessel orwithin the flues or passages through which thegases of combustion pass. This cause of lossdoes not include loss or damage by: a. Rupture, bursting or operation of pres-

sure-relief devices; or b. Rupture or bursting due to expansion or

swelling of the contents of any building orstructure, caused by or resulting fromwater.

4. Windstorm or Hail, but not including: a. Frost or cold weather; b. Ice (other than hail), snow or sleet,

whether driven by wind or not; or c. Loss or damage to the interior of any

building or structure, or the property insidethe building or structure, caused by rain,snow, sand or dust, whether driven bywind or not, unless the building or struc-ture first sustains wind or hail damage toits roof or walls through which the rain,snow, sand or dust enters.

5. Smoke causing sudden and accidental loss ordamage. This cause of loss does not includesmoke from agricultural smudging or industrialoperations.

6. Aircraft or Vehicles, meaning only physicalcontact of an aircraft, a spacecraft, a self-pro-pelled missile, a vehicle or an object thrown upby a vehicle with the described property orwith the building or structure containing thedescribed property. This cause of loss in-cludes loss or damage by objects falling fromaircraft.We will not pay for loss or damage caused byor resulting from vehicles you own or whichare operated in the course of your business.

7. Riot or Civil Commotion, including: a. Acts of striking employees while occupy-

ing the described premises; and b. Looting occurring at the time and place of

a riot or civil commotion. 8. Vandalism, meaning willful and malicious

damage to, or destruction of, the describedproperty.We will not pay for loss or damage caused byor resulting from theft, except for building dam-age caused by the breaking in or exiting ofburglars.

9. Sprinkler Leakage, meaning leakage or dis-charge of any substance from an AutomaticSprinkler System, including collapse of a tankthat is part of the system. If the building or structure containing the Auto-matic Sprinkler System is Covered Property,we will also pay the cost to: a. Repair or replace damaged parts of the

Automatic Sprinkler System if the damage: (1) Results in sprinkler leakage; or (2) Is directly caused by freezing.

b. Tear out and replace any part of the build-ing or structure to repair damage to theAutomatic Sprinkler System that has re-sulted in sprinkler leakage. Automatic Sprinkler System means: (1) Any automatic fire-protective or extin-

guishing system, including connected: (a) Sprinklers and discharge nozzles; (b) Ducts, pipes, valves and fittings; (c) Tanks, their component parts and

supports; and (d) Pumps and private fire protection

mains.(2) When supplied from an automatic

fire-protective system: (a) Non-automatic fire-protective sys-

tems; and (b) Hydrants, standpipes and outlets.

SAMPLE

furnaceSAMPLE

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SAMPLE(1) Any

SAMPLEAny fire-protective

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(b)

SAMPLE(b) Ducts, pipes, valves and fittings;

SAMPLEDucts, pipes, valves and fittings; Tanks,

SAMPLETanks, their

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snow

SAMPLEsnowsnowsnowsnow

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SAMPLEsleet,sleet,sleet,sleet,

SAMPLEsleet,sleet,sleet,

whether driven by wind or not; or

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SAMPLEwhether driven by wind or not; or whether driven by wind or not; or whether driven by wind or not; or

interior

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SAMPLESprinklerSprinklerSprinklersulted in sprinkler leakage. sulted in sprinkler leakage. sulted in sprinkler leakage.

SAMPLEsulted in sprinkler leakage. sulted in sprinkler leakage. sulted in sprinkler leakage. Automatic Sprinkler System means:

SAMPLEAutomatic Sprinkler System means: Automatic Sprinkler System means: Automatic Sprinkler System means: Automatic Sprinkler System means:

SAMPLEAutomatic Sprinkler System means: Automatic Sprinkler System means: Automatic Sprinkler System means: (1)

SAMPLE(1)(1)(1)(1)

SAMPLE(1)(1)(1) Any

SAMPLEAnyAnyAnyAny

SAMPLEAnyAnyAny automatic

SAMPLEautomaticautomaticautomaticautomatic

SAMPLEautomaticautomaticautomatic fire-protectivefire-protectivefire-protective

SAMPLE fire-protectivefire-protectivefire-protectiveguishing system, including connected: guishing system, including connected: guishing system, including connected:

SAMPLEguishing system, including connected: guishing system, including connected: guishing system, including connected: (a)

SAMPLE(a)(a)(a)(a)

SAMPLE(a)(a)(a) Sprinklers and discharge nozzles; Sprinklers and discharge nozzles; Sprinklers and discharge nozzles;

SAMPLESprinklers and discharge nozzles; Sprinklers and discharge nozzles; Sprinklers and discharge nozzles; (b)

SAMPLE(b)(b)(b)(b)

SAMPLE(b)(b)(b) Ducts, pipes, valves and fittings; Ducts, pipes, valves and fittings; Ducts, pipes, valves and fittings;

SAMPLEDucts, pipes, valves and fittings; Ducts, pipes, valves and fittings; Ducts, pipes, valves and fittings;

(c)

SAMPLE(c)(c)(c)(c)

SAMPLE(c)(c)(c) Tanks,

SAMPLETanks,Tanks,Tanks,Tanks,

SAMPLETanks,Tanks,Tanks, theirtheirtheir

SAMPLEtheirtheirtheir

SAMPLEsupports; and

SAMPLEsupports; and supports; and

SAMPLEsupports; and supports; and supports; and supports; and

SAMPLEsupports; and supports; and supports; and Pumps

SAMPLEPumpsPumpsPumpsPumps

SAMPLEPumpsPumpsPumps

CP 10 10 06 07Copyright, ISO Properties, Inc., 2007Page 2 of 6 CP 10 10 06 07Copyright, ISO Properties, Inc., 2007Page 2 of 6

10. Sinkhole Collapse, meaning loss or damagecaused by the sudden sinking or collapse ofland into underground empty spaces createdby the action of water on limestone or dolo-mite. This cause of loss does not include: a. The cost of filling sinkholes; or b. Sinking or collapse of land into man-made

underground cavities. 11. Volcanic Action, meaning direct loss or dam-

age resulting from the eruption of a vol-canowhen the loss or damage is caused by: a. Airborne volcanic blast or airborne shock

waves;b. Ash, dust or particulate matter; or c. Lava flow. All volcanic eruptions that occur within any168-hour period will constitute a singleoccurrence.This cause of loss does not include the cost toremove ash, dust or particulate matter thatdoes not cause direct physical loss or damageto the described property.

B. Exclusions1. We will not pay for loss or damage caused di-

rectly or indirectly by any of the following.Such loss or damage is excluded regardless ofany other cause or event that contributes con-currently or in any sequence to the loss. a. Ordinance Or Law

The enforcement of any ordinance or law: (1) Regulating the construction, use or re-

pair of any property; or (2) Requiring the tearing down of any

property, including the cost of remov-ing its debris.

This exclusion, Ordinance Or Law, applieswhether the loss results from:

(a) An ordinance or law that is en-forced even if the property has notbeen damaged; or

(b) The increased costs incurred tocomply with an ordinance or lawin the course of construction, re-pair, renovation, remodeling ordemolition of property, or removalof its debris, following a physicalloss to that property.

b. Earth Movement (1) Earthquake, including any earth sink-

ing, rising or shifting related to suchevent;

(2) Landslide, including any earth sinking,rising or shifting related to such event;

(3) Mine subsidence, meaning subsi-dence of a man-made mine, whetheror not mining activity has ceased;

(4) Earth sinking (other than sinkhole col-lapse), rising or shifting including soilconditions which cause settling,cracking or other disarrangement offoundations or other parts of realty.Soil conditions include contraction,expansion, freezing, thawing, erosion,improperly compacted soil and theaction of water under the groundsurface.

But if Earth Movement, as described inb.(1) through (4) above, results in fire orexplosion, we will pay for the loss or dam-age caused by that fire or explosion.(5) Volcanic eruption, explosion or effu-

sion. But if volcanic eruption, explo-sion or effusion results in fire orVolcanic Action, we will pay for theloss or damage caused by that fire orVolcanic Action.

c. Governmental Action Seizure or destruction of property by orderof governmental authority. But we will pay for loss or damage causedby or resulting from acts of destruction or-dered by governmental authority and tak-en at the time of a fire to prevent itsspread, if the fire would be covered underthis Coverage Part.

d. Nuclear Hazard Nuclear reaction or radiation, or radioac-tive contamination, however caused. But if nuclear reaction or radiation, or ra-dioactive contamination, results in fire, wewill pay for the loss or damage caused bythat fire.

e. Utility Services The failure of power, communication,water or other utility service supplied to thedescribed premises, however caused, ifthe failure:(1) Originates away from the described

premises; or(2) Originates at the described premises,

but only if such failure involves equip-ment used to supply the utility serviceto the described premises from asource away from the described prem-ises.

10. Sinkhole Collapse, meaning loss or damagecaused by the sudden sinking or collapse ofland into underground empty spaces createdby the action of water on limestone or dolo-mite. This cause of loss does not include: a. The cost of filling sinkholes; or b. Sinking or collapse of land into man-made

underground cavities. 11. Volcanic Action, meaning direct loss or dam-

age resulting from the eruption of a vol-canowhen the loss or damage is caused by: a. Airborne volcanic blast or airborne shock

waves;b. Ash, dust or particulate matter; or c. Lava flow. All volcanic eruptions that occur within any168-hour period will constitute a singleoccurrence.This cause of loss does not include the cost toremove ash, dust or particulate matter thatdoes not cause direct physical loss or damageto the described property.

B. Exclusions1. We will not pay for loss or damage caused di-

rectly or indirectly by any of the following.Such loss or damage is excluded regardless ofany other cause or event that contributes con-currently or in any sequence to the loss. a. Ordinance Or Law

The enforcement of any ordinance or law: (1) Regulating the construction, use or re-

pair of any property; or (2) Requiring the tearing down of any

property, including the cost of remov-ing its debris.

This exclusion, Ordinance Or Law, applieswhether the loss results from:

(a) An ordinance or law that is en-forced even if the property has notbeen damaged; or

(b) The increased costs incurred tocomply with an ordinance or lawin the course of construction, re-pair, renovation, remodeling ordemolition of property, or removalof its debris, following a physicalloss to that property.

b. Earth Movement (1) Earthquake, including any earth sink-

ing, rising or shifting related to suchevent;

(2) Landslide, including any earth sinking,rising or shifting related to such event;

(3) Mine subsidence, meaning subsi-dence of a man-made mine, whetheror not mining activity has ceased;

(4) Earth sinking (other than sinkhole col-lapse), rising or shifting including soilconditions which cause settling,cracking or other disarrangement offoundations or other parts of realty.Soil conditions include contraction,expansion, freezing, thawing, erosion,improperly compacted soil and theaction of water under the groundsurface.

But if Earth Movement, as described inb.(1) through (4) above, results in fire orexplosion, we will pay for the loss or dam-age caused by that fire or explosion.(5) Volcanic eruption, explosion or effu-

sion. But if volcanic eruption, explo-sion or effusion results in fire orVolcanic Action, we will pay for theloss or damage caused by that fire orVolcanic Action.

c. Governmental Action Seizure or destruction of property by orderof governmental authority. But we will pay for loss or damage causedby or resulting from acts of destruction or-dered by governmental authority and tak-en at the time of a fire to prevent itsspread, if the fire would be covered underthis Coverage Part.

d. Nuclear Hazard Nuclear reaction or radiation, or radioac-tive contamination, however caused. But if nuclear reaction or radiation, or ra-dioactive contamination, results in fire, wewill pay for the loss or damage caused bythat fire.

e. Utility Services The failure of power, communication,water or other utility service supplied to thedescribed premises, however caused, ifthe failure:(1) Originates away from the described

premises; or(2) Originates at the described premises,

but only if such failure involves equip-ment used to supply the utility serviceto the described premises from asource away from the described prem-ises.

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CP 10 10 06 07 Copyright, ISO Properties, Inc., 2007 Page 3 of 6CP 10 10 06 07 Copyright, ISO Properties, Inc., 2007 Page 3 of 6

Failure of any utility service includes lackof sufficient capacity and reduction insupply.Loss or damage caused by a surge ofpower is also excluded, if the surge wouldnot have occurred but for an event caus-ing a failure of power.But if the failure or surge of power, or thefailure of communication, water or otherutility service, results in a Covered Causeof Loss, we will pay for the loss or damagecaused by that Covered Cause of Loss.Communication services include but arenot limited to service relating to Internetaccess or access to any electronic, cellu-lar or satellite network.

f. War And 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 expectedattack, by any government, sovereignor other authority using military per-sonnel or other agents; or

(3) Insurrection, rebellion, revolution,usurped power, or action taken bygovernmental authority in hindering ordefending against any of these.

g. Water(1) Flood, surface water, waves, tides, ti-

dal waves, overflow of any body ofwater, or their spray, all whether drivenby wind or not;

(2) Mudslide or mudflow; (3) Water that backs up or overflows from

a sewer, drain or sump; or (4) Water under the ground surface press-

ing 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 open-

ings.But if Water, as described in g.(1) through(4) above, results in fire, explosion orsprinkler leakage, we will pay for the lossor damage caused by that fire, explosionor sprinkler leakage.

h. "Fungus", Wet Rot, Dry Rot And BacteriaPresence, growth, proliferation, spread orany activity of "fungus", wet or dry rot orbacteria.But if "fungus", wet or dry rot or bacteriaresults in a Covered Cause of Loss, we willpay for the loss or damage caused by thatCovered Cause of Loss.This exclusion does not apply:1. When "fungus", wet or dry rot or bacte-

ria results from fire or lightning; or2. To the extent that coverage is pro-

vided in the Additional Coverage - Lim-ited Coverage For "Fungus", Wet Rot,Dry Rot And Bacteria with respect toloss or damage by a cause of loss oth-er than fire or lightning.

Exclusions B.1.a. through B.1.h. applywhether or not the loss event results in wide-spread damage or affects a substantial area.

2. We will not pay for loss or damage caused byor resulting from:a. Artificially generated electrical, magnetic

or electromagnetic energy that damages,disturbs, disrupts or otherwise interfereswith any:(1) Electrical or electronic wire, device,

appliance, system or network; or (2) Device, appliance, system or network

utilizing cellular or satellite technology. For the purpose of this exclusion, electri-cal, magnetic or electromagnetic energyincludes but is not limited to:

(a) Electrical current, including arc-ing;

(b) Electrical charge produced orconducted by a magnetic or elec-tromagnetic field;

(c) Pulse of electromagnetic energy;or

(d) Electromagnetic waves or micro-waves.

But if fire results, we will pay for the loss ordamage caused by that fire.

b. Rupture or bursting of water pipes (otherthan Automatic Sprinkler Systems) unlesscaused by a Covered Cause of Loss.

Failure of any utility service includes lackof sufficient capacity and reduction insupply.Loss or damage caused by a surge ofpower is also excluded, if the surge wouldnot have occurred but for an event caus-ing a failure of power.But if the failure or surge of power, or thefailure of communication, water or otherutility service, results in a Covered Causeof Loss, we will pay for the loss or damagecaused by that Covered Cause of Loss.Communication services include but arenot limited to service relating to Internetaccess or access to any electronic, cellu-lar or satellite network.

f. War And 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 expectedattack, by any government, sovereignor other authority using military per-sonnel or other agents; or

(3) Insurrection, rebellion, revolution,usurped power, or action taken bygovernmental authority in hindering ordefending against any of these.

g. Water(1) Flood, surface water, waves, tides, ti-

dal waves, overflow of any body ofwater, or their spray, all whether drivenby wind or not;

(2) Mudslide or mudflow; (3) Water that backs up or overflows from

a sewer, drain or sump; or (4) Water under the ground surface press-

ing 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 open-

ings.But if Water, as described in g.(1) through(4) above, results in fire, explosion orsprinkler leakage, we will pay for the lossor damage caused by that fire, explosionor sprinkler leakage.

h. "Fungus", Wet Rot, Dry Rot And BacteriaPresence, growth, proliferation, spread orany activity of "fungus", wet or dry rot orbacteria.But if "fungus", wet or dry rot or bacteriaresults in a Covered Cause of Loss, we willpay for the loss or damage caused by thatCovered Cause of Loss.This exclusion does not apply:1. When "fungus", wet or dry rot or bacte-

ria results from fire or lightning; or2. To the extent that coverage is pro-

vided in the Additional Coverage - Lim-ited Coverage For "Fungus", Wet Rot,Dry Rot And Bacteria with respect toloss or damage by a cause of loss oth-er than fire or lightning.

Exclusions B.1.a. through B.1.h. applywhether or not the loss event results in wide-spread damage or affects a substantial area.

2. We will not pay for loss or damage caused byor resulting from:a. Artificially generated electrical, magnetic

or electromagnetic energy that damages,disturbs, disrupts or otherwise interfereswith any:(1) Electrical or electronic wire, device,

appliance, system or network; or (2) Device, appliance, system or network

utilizing cellular or satellite technology. For the purpose of this exclusion, electri-cal, magnetic or electromagnetic energyincludes but is not limited to:

(a) Electrical current, including arc-ing;

(b) Electrical charge produced orconducted by a magnetic or elec-tromagnetic field;

(c) Pulse of electromagnetic energy;or

(d) Electromagnetic waves or micro-waves.

But if fire results, we will pay for the loss ordamage caused by that fire.

b. Rupture or bursting of water pipes (otherthan Automatic Sprinkler Systems) unlesscaused by a Covered Cause of Loss.

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Page 4 of 6 Copyright, ISO Properties, Inc., 2007 CP 10 10 06 07Page 4 of 6 Copyright, ISO Properties, Inc., 2007 CP 10 10 06 07

c. Leakage or discharge of water or steamfrom any part of a system or appliancecontaining water or steam (other than anAutomatic Sprinkler System), unless theleakage or discharge occurs because thesystem or appliance was damaged by aCovered Cause of Loss. But we will notpay for loss or damage caused by or re-sulting from continuous or repeated seep-age or leakage of water, or the presenceor condensation of humidity, moisture orvapor, that occurs over a period of 14 daysor more.

d. Explosion of steam boilers, steam pipes,steam engines or steam turbines owned orleased by you, or operated under yourcontrol.But if explosion of steam boilers, steampipes, steam engines or steam turbines re-sults in fire or combustion explosion, wewill pay for the loss or damage caused bythat fire or combustion explosion.

e. Mechanical breakdown, including ruptureor bursting caused by centrifugal force. But if mechanical breakdown results in aCovered Cause of Loss, we will pay for theloss or damage caused by that CoveredCause of Loss.

f. Neglect of an insured to use all reasonablemeans to save and preserve property fromfurther damage at and after the time ofloss.

3. Special Exclusions The following provisions apply only to thespecified Coverage Forms. a. Business Income (And Extra Expense)

Coverage Form, Business Income (With-out Extra Expense) Coverage Form, OrExtra Expense Coverage FormWe will not pay for: (1) Any loss caused by or resulting from:

(a) Damage or destruction of "fin-ished stock"; or

(b) The time required to reproduce"finished stock".

This exclusion does not apply to ExtraExpense.

(2) Any loss caused by or resulting fromdirect physical loss or damage to ra-dio or television antennas (includingsatellite dishes) and their lead-in wir-ing, masts or towers.

(3) Any increase of loss caused by or re-sulting from: (a) Delay in rebuilding, repairing or re-

placing the property or resuming"operations", due to interferenceat the location of the rebuilding,repair or replacement by strikersor other persons; or

(b) Suspension, lapse or cancellationof any license, lease or contract.But if the suspension, lapse orcancellation is directly caused bythe "suspension" of "operations",we will cover such loss that affectsyour Business Income during the"period of restoration" and any ex-tension of the "period of restora-tion" in accordance with the termsof the Extended Business IncomeAdditional Coverage and the Ex-tended Period of Indemnity Op-tional Coverage or any variation ofthese.

(4) Any Extra Expense caused by orresulting from suspension, lapse orcancellation of any license, leaseor contract beyond the "period ofrestoration".

(5) Any other consequential loss. b. Leasehold Interest Coverage Form

(1) Paragraph B.1.a., Ordinance Or Law,does not apply to insurance under thisCoverage Form.

(2) We will not pay for any loss caused by: (a) Your cancelling the lease; (b) The suspension, lapse or cancel-

lation of any license; or (c) Any other consequential loss.

c. Legal Liability Coverage Form (1) The following exclusions do not apply

to insurance under this CoverageForm:(a) Paragraph B.1.a., Ordinance Or

Law;(b) Paragraph B.1.c., Governmental

Action;(c) Paragraph B.1.d., Nuclear Haz-

ard;(d) Paragraph B.1.e., Utility Services;

and(e) Paragraph B.1.f., War And Military

Action.

c. Leakage or discharge of water or steamfrom any part of a system or appliancecontaining water or steam (other than anAutomatic Sprinkler System), unless theleakage or discharge occurs because thesystem or appliance was damaged by aCovered Cause of Loss. But we will notpay for loss or damage caused by or re-sulting from continuous or repeated seep-age or leakage of water, or the presenceor condensation of humidity, moisture orvapor, that occurs over a period of 14 daysor more.

d. Explosion of steam boilers, steam pipes,steam engines or steam turbines owned orleased by you, or operated under yourcontrol.But if explosion of steam boilers, steampipes, steam engines or steam turbines re-sults in fire or combustion explosion, wewill pay for the loss or damage caused bythat fire or combustion explosion.

e. Mechanical breakdown, including ruptureor bursting caused by centrifugal force. But if mechanical breakdown results in aCovered Cause of Loss, we will pay for theloss or damage caused by that CoveredCause of Loss.

f. Neglect of an insured to use all reasonablemeans to save and preserve property fromfurther damage at and after the time ofloss.

3. Special Exclusions The following provisions apply only to thespecified Coverage Forms. a. Business Income (And Extra Expense)

Coverage Form, Business Income (With-out Extra Expense) Coverage Form, OrExtra Expense Coverage FormWe will not pay for: (1) Any loss caused by or resulting from:

(a) Damage or destruction of "fin-ished stock"; or

(b) The time required to reproduce"finished stock".

This exclusion does not apply to ExtraExpense.

(2) Any loss caused by or resulting fromdirect physical loss or damage to ra-dio or television antennas (includingsatellite dishes) and their lead-in wir-ing, masts or towers.

(3) Any increase of loss caused by or re-sulting from: (a) Delay in rebuilding, repairing or re-

placing the property or resuming"operations", due to interferenceat the location of the rebuilding,repair or replacement by strikersor other persons; or

(b) Suspension, lapse or cancellationof any license, lease or contract.But if the suspension, lapse orcancellation is directly caused bythe "suspension" of "operations",we will cover such loss that affectsyour Business Income during the"period of restoration" and any ex-tension of the "period of restora-tion" in accordance with the termsof the Extended Business IncomeAdditional Coverage and the Ex-tended Period of Indemnity Op-tional Coverage or any variation ofthese.

(4) Any Extra Expense caused by orresulting from suspension, lapse orcancellation of any license, leaseor contract beyond the "period ofrestoration".

(5) Any other consequential loss. b. Leasehold Interest Coverage Form

(1) Paragraph B.1.a., Ordinance Or Law,does not apply to insurance under thisCoverage Form.

(2) We will not pay for any loss caused by: (a) Your cancelling the lease; (b) The suspension, lapse or cancel-

lation of any license; or (c) Any other consequential loss.

c. Legal Liability Coverage Form (1) The following exclusions do not apply

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Action;(c) Paragraph B.1.d., Nuclear Haz-

ard;(d) Paragraph B.1.e., Utility Services;

and(e) Paragraph B.1.f., War And Military

Action.

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CP 10 10 06 07 Copyright, ISO Properties, Inc., 2007 Page 5 of 6CP 10 10 06 07 Copyright, ISO Properties, Inc., 2007 Page 5 of 6

(2) The following additional exclusionsapply to insurance under this Cover-age Form: (a) Contractual Liability

We will not defend any claim or"suit", or pay damages that youare legally liable to pay, solely byreason of your assumption of li-ability in a contract or agreement.But this exclusion does not applyto a written lease agreement inwhich you have assumed liabilityfor building damage resulting froman actual or attempted burglary orrobbery, provided that: (i) Your assumption of liability

was executed prior to the ac-cident; and

(ii) The building is Covered Prop-erty under this CoverageForm.

(b) Nuclear Hazard We will not defend any claim or"suit", or pay any damages, loss,expense or obligation, resultingfrom nuclear reaction or radi-ation, or radioactive contamina-tion, however caused.

C. Additional Coverage - Limited Coverage For"Fungus", Wet Rot, Dry Rot And Bacteria1. The coverage described in C.2. and C.6. only

applies when the "fungus", wet or dry rot orbacteria is the result of one or more of the fol-lowing causes that occurs during the policyperiod and only if all reasonable means wereused to save and preserve the property fromfurther damage at the time of and after thatoccurrence.a. A Covered Cause of Loss other than fire or

lightning; orb. Flood, if the Flood Coverage Endorsement

applies to the affected premises.2. We will pay for loss or damage by "fungus",

wet or dry rot or bacteria. As used in this Lim-ited Coverage, the term loss or damagemeans:a. Direct physical loss or damage to Covered

Property caused by "fungus", wet or dryrot or bacteria, including the cost of re-moval of the "fungus", wet or dry rot orbacteria;

b. The cost to tear out and replace any partof the building or other property as neededto gain access to the "fungus", wet or dryrot or bacteria; and

c. The cost of testing performed after remov-al, repair, replacement or restoration of thedamaged property is completed, providedthere is a reason to believe that "fungus",wet or dry rot or bacteria are present.

3. The coverage described under C.2. of this Lim-ited Coverage is limited to $15,000. Regardlessof the number of claims, this limit is the mostwe will pay for the total of all loss or damagearising out of all occurrences of CoveredCauses of Loss (other than fire or lightning)and Flood which take place in a 12-monthperiod (starting with the beginning of thepresent annual policy period). With respect toa particular occurrence of loss which results in"fungus", wet or dry rot or bacteria, we will notpay more than a total of $15,000 even if the"fungus", wet or dry rot or bacteria continuestobe present or active, or recurs, in a later policyperiod.

4. The coverage provided under this Limited Cov-erage does not increase the applicable Limit ofInsurance on any Covered Property. If a partic-ular occurrence results in loss or damage by"fungus", wet or dry rot or bacteria, and otherloss or damage, we will not pay more, for thetotal of all loss or damage, than the applicableLimit of Insurance on the affected CoveredProperty.If there is covered loss or damage to CoveredProperty, not caused by "fungus", wet or dryrot or bacteria, loss payment will not be limitedby the terms of this Limited Coverage, exceptto the extent that "fungus", wet or dry rot orbacteria causes an increase in the loss. Anysuch increase in the loss will be subject to theterms of this Limited Coverage.

5. The terms of this Limited Coverage do not in-crease or reduce the coverage provided underParagraph b. of Covered Causes Of Loss 9.,Sprinkler Leakage.

6. The following, 6.a. or 6.b., applies only if Busi-ness Income and/or Extra Expense Coverageapplies to the described premises and only ifthe "suspension" of "operations" satisfies allterms and conditions of the applicable Busi-ness Income and/or Extra Expense CoverageForm.a. If the loss which resulted in "fungus", wet

or dry rot or bacteria does not in itself ne-cessitate a "suspension" of "operations",but such "suspension" is necessary due toloss or damage to property caused by

(2) The following additional exclusionsapply to insurance under this Cover-age Form: (a) Contractual Liability

We will not defend any claim or"suit", or pay damages that youare legally liable to pay, solely byreason of your assumption of li-ability in a contract or agreement.But this exclusion does not applyto a written lease agreement inwhich you have assumed liabilityfor building damage resulting froman actual or attempted burglary orrobbery, provided that: (i) Your assumption of liability

was executed prior to the ac-cident; and

(ii) The building is Covered Prop-erty under this CoverageForm.

(b) Nuclear Hazard We will not defend any claim or"suit", or pay any damages, loss,expense or obligation, resultingfrom nuclear reaction or radi-ation, or radioactive contamina-tion, however caused.

C. Additional Coverage - Limited Coverage For"Fungus", Wet Rot, Dry Rot And Bacteria1. The coverage described in C.2. and C.6. only

applies when the "fungus", wet or dry rot orbacteria is the result of one or more of the fol-lowing causes that occurs during the policyperiod and only if all reasonable means wereused to save and preserve the property fromfurther damage at the time of and after thatoccurrence.a. A Covered Cause of Loss other than fire or

lightning; orb. Flood, if the Flood Coverage Endorsement

applies to the affected premises.2. We will pay for loss or damage by "fungus",

wet or dry rot or bacteria. As used in this Lim-ited Coverage, the term loss or damagemeans:a. Direct physical loss or damage to Covered

Property caused by "fungus", wet or dryrot or bacteria, including the cost of re-moval of the "fungus", wet or dry rot orbacteria;

b. The cost to tear out and replace any partof the building or other property as neededto gain access to the "fungus", wet or dryrot or bacteria; and

c. The cost of testing performed after remov-al, repair, replacement or restoration of thedamaged property is completed, providedthere is a reason to believe that "fungus",wet or dry rot or bacteria are present.

3. The coverage described under C.2. of this Lim-ited Coverage is limited to $15,000. Regardlessof the number of claims, this limit is the mostwe will pay for the total of all loss or damagearising out of all occurrences of CoveredCauses of Loss (other than fire or lightning)and Flood which take place in a 12-monthperiod (starting with the beginning of thepresent annual policy period). With respect toa particular occurrence of loss which results in"fungus", wet or dry rot or bacteria, we will notpay more than a total of $15,000 even if the"fungus", wet or dry rot or bacteria continuestobe present or active, or recurs, in a later policyperiod.

4. The coverage provided under this Limited Cov-erage does not increase the applicable Limit ofInsurance on any Covered Property. If a partic-ular occurrence results in loss or damage by"fungus", wet or dry rot or bacteria, and otherloss or damage, we will not pay more, for thetotal of all loss or damage, than the applicableLimit of Insurance on the affected CoveredProperty.If there is covered loss or damage to CoveredProperty, not caused by "fungus", wet or dryrot or bacteria, loss payment will not be limitedby the terms of this Limited Coverage, exceptto the extent that "fungus", wet or dry rot orbacteria causes an increase in the loss. Anysuch increase in the loss will be subject to theterms of this Limited Coverage.

5. The terms of this Limited Coverage do not in-crease or reduce the coverage provided underParagraph b. of Covered Causes Of Loss 9.,Sprinkler Leakage.

6. The following, 6.a. or 6.b., applies only if Busi-ness Income and/or Extra Expense Coverageapplies to the described premises and only ifthe "suspension" of "operations" satisfies allterms and conditions of the applicable Busi-ness Income and/or Extra Expense CoverageForm.a. If the loss which resulted in "fungus", wet

or dry rot or bacteria does not in itself ne-cessitate a "suspension" of "operations",but such "suspension" is necessary due toloss or damage to property caused by

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Page 6 of 6 Copyright, ISO Properties, Inc., 2007 CP 10 10 06 07Page 6 of 6 Copyright, ISO Properties, Inc., 2007 CP 10 10 06 07

"fungus", wet or dry rot or bacteria, thenour payment under Business Incomeand/or Extra Expense is limited to theamount of loss and/or expense sustainedin a period of not more than 30 days. Thedays need not be consecutive.

b. If a covered "suspension" of "operations"was caused by loss or damage other than"fungus", wet or dry rot or bacteria but re-mediation of "fungus", wet or dry rot orbacteria prolongs the "period of restora-tion", we will pay for loss and/or expensesustained during the delay (regardless of

when such a delay occurs during the"period of restoration"), but such coverageis limited to 30 days. The days need not beconsecutive.

D. LimitationWe will pay for loss of animals only if they are killedor their destruction is made necessary.

E. Definitions"Fungus" means any type or form of fungus, includ-ing mold or mildew, and any mycotoxins, spores,scents or by-products produced or released byfungi.

"fungus", wet or dry rot or bacteria, thenour payment under Business Incomeand/or Extra Expense is limited to theamount of loss and/or expense sustainedin a period of not more than 30 days. Thedays need not be consecutive.

b. If a covered "suspension" of "operations"was caused by loss or damage other than"fungus", wet or dry rot or bacteria but re-mediation of "fungus", wet or dry rot orbacteria prolongs the "period of restora-tion", we will pay for loss and/or expensesustained during the delay (regardless of

when such a delay occurs during the"period of restoration"), but such coverageis limited to 30 days. The days need not beconsecutive.

D. LimitationWe will pay for loss of animals only if they are killedor their destruction is made necessary.

E. Definitions"Fungus" means any type or form of fungus, includ-ing mold or mildew, and any mycotoxins, spores,scents or by-products produced or released byfungi.SAMPLE

CP 01 25 07 08 Page 1 of 2Copyright, Insurance Services Office, Inc., 2008CP 01 25 07 08 Page 1 of 2Copyright, Insurance Services Office, Inc., 2008

A. When this endorsement is attached to the Stand-ard Property Policy CP 00 99, the term CoveragePart in this endorsement is replaced by the termPolicy.

B. The following provision applies when a Coinsur-ance percentage is shown in the Declarations: Florida law states as follows: Coinsurance contract: The rate charged in this pol-icy is based upon the use of the coinsuranceclause attached to this policy, with the consent ofthe Insured.

C. The following is added: If windstorm is a Covered Cause of Loss and lossor damage to Covered Property is caused by or re-sults from windstorm, the following exclusion ap-plies in: 1. Broward County; 2. Dade Count; 3. Martin County; 4. Monroe County; 5. Palm Beach County; and 6. All the areas east of the west bank of the

Intra-Coastal Waterway in the Counties of: a. Indian River; and b. St. Lucie.

WINDSTORM EXTERIOR PAINT ANDWATERPROOFING EXCLUSION We will not pay for loss or damage caused bywindstorm to: 1. Paint; or 2. Waterproofing material; applied to the exterior of Buildings unless theBuilding to which such loss or damage occurs alsosustains other loss or damage by windstorm in thecourse of the same storm event. But such cover-age applies only if windstorm is a Covered Causeof Loss.

When loss or damage to exterior paint or water-proofing material is excluded, we will not includethe value of paint or waterproofing material todetermine:

a. The amount of the Windstorm or Hail De-ductible; or

b. The value of Covered Property when ap-plying the Coinsurance Condition.

D. The Loss Payment Condition dealing with thenumber of days within which we must pay for cov-ered loss or damage is replaced by the following: Provided you have complied with all the terms ofthis Coverage Part, we will pay for covered loss ordamage upon the earliest of the following:

(1) Within 20 days after we receive the swornproof of loss and reach written agreementwith you;

(2) Within 30 days after we receive the swornproof of loss and: (a) There is an entry of a final judgment;

or(b) There is a filing of an appraisal award

with us; or(3) Within 90 days of receiving notice of claim,

unless we deny the claim during that timeor factors beyond our control reasonablyprevent such payment. If a portion of theclaim is denied, then the 90-day time pe-riod for payment of claim relates to theportion of the claim that is not denied. Paragraph (3) applies only to thefollowing:(a) A claim under a policy covering resi-

dential property;(b) A claim for building or contents cover-

age if the insured structure is 10,000square feet or less and the policy cov-ers only locations in Florida; or

COMMERCIAL PROPERTYCP 01 25 07 08

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

FLORIDA CHANGES

This endorsement modifies insurance provided under the following:

COMMERCIAL PROPERTY COVERAGE PART

A. When this endorsement is attached to the Stand-ard Property Policy CP 00 99, the term CoveragePart in this endorsement is replaced by the termPolicy.

B. The following provision applies when a Coinsur-ance percentage is shown in the Declarations: Florida law states as follows: Coinsurance contract: The rate charged in this pol-icy is based upon the use of the coinsuranceclause attached to this policy, with the consent ofthe Insured.

C. The following is added: If windstorm is a Covered Cause of Loss and lossor damage to Covered Property is caused by or re-sults from windstorm, the following exclusion ap-plies in: 1. Broward County; 2. Dade Count; 3. Martin County; 4. Monroe County; 5. Palm Beach County; and 6. All the areas east of the west bank of the

Intra-Coastal Waterway in the Counties of: a. Indian River; and b. St. Lucie.

WINDSTORM EXTERIOR PAINT ANDWATERPROOFING EXCLUSION We will not pay for loss or damage caused bywindstorm to: 1. Paint; or 2. Waterproofing material; applied to the exterior of Buildings unless theBuilding to which such loss or damage occurs alsosustains other loss or damage by windstorm in thecourse of the same storm event. But such cover-age applies only if windstorm is a Covered Causeof Loss.

When loss or damage to exterior paint or water-proofing material is excluded, we will not includethe value of paint or waterproofing material todetermine:

a. The amount of the Windstorm or Hail De-ductible; or

b. The value of Covered Property when ap-plying the Coinsurance Condition.

D. The Loss Payment Condition dealing with thenumber of days within which we must pay for cov-ered loss or damage is replaced by the following: Provided you have complied with all the terms ofthis Coverage Part, we will pay for covered loss ordamage upon the earliest of the following:

(1) Within 20 days after we receive the swornproof of loss and reach written agreementwith you;

(2) Within 30 days after we receive the swornproof of loss and: (a) There is an entry of a final judgment;

or(b) There is a filing of an appraisal award

with us; or(3) Within 90 days of receiving notice of claim,

unless we deny the claim during that timeor factors beyond our control reasonablyprevent such payment. If a portion of theclaim is denied, then the 90-day time pe-riod for payment of claim relates to theportion of the claim that is not denied. Paragraph (3) applies only to thefollowing:(a) A claim under a policy covering resi-

dential property;(b) A claim for building or contents cover-

age if the insured structure is 10,000square feet or less and the policy cov-ers only locations in Florida; or

COMMERCIAL PROPERTYCP 01 25 07 08

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

FLORIDA CHANGES

This endorsement modifies insurance provided under the following:

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CP 01 25 07 08Page 2 of 2 Copyright, Insurance Services Office, Inc., 2008 CP 01 25 07 08Page 2 of 2 Copyright, Insurance Services Office, Inc., 2008

(c) A claim for contents coverage under atenant's policy if the rented premisesare 10,000 square feet or less and thepolicy covers only locations in Florida.

E. Sinkhole Collapse Coverage RemovedSinkhole Collapse coverage is removed as indi-cated in Paragraphs E.1. through E.4.; and cover-age for Catastrophic Ground Cover Collapse isadded instead as set forth in Paragraph F.1. In the Causes of Loss - Basic Form and in the

Standard Property Policy, Sinkhole Collapse isdeleted from the Covered Causes of Loss andsinkhole collapse is no longer an exception tothe Earth Movement exclusion.

2. In the Causes of Loss - Broad Form, SinkholeCollapse is deleted from the Covered Causesof Loss and from the Additional Coverage -Collapse; and sinkhole collapse is no longer anexception to the Earth Movement exclusion.

3. In the Causes of Loss - Special Form, sinkholecollapse is deleted from the "specified causesof loss" and is no longer an exception to theEarth Movement exclusion.

4. In the Mortgageholders Errors And OmissionsCoverage Form, sinkhole collapse is deletedfrom the Covered Causes of Loss under Cov-erage B and from the "specified causes ofloss", and is no longer an exception to theEarth Movement exclusion.

Further, this Coverage Part does not insure againstSinkhole Loss as defined in Florida law unless anendorsement for Sinkhole Loss is made part of thispolicy. However, if Sinkhole Loss causes Cata-strophic Ground Cover Collapse, coverage is pro-vided for the resulting Catastrophic Ground CoverCollapse even if an endorsement for Sinkhole Lossis not made part of this policy.

F. The following is added to this Coverage Part as aCovered Cause Of Loss. In the Causes Of Loss -Special Form and Mortgageholders Errors AndOmissions Coverage Form, the following is alsoadded as a "specified cause of loss". However, as a"specified cause of loss", the following does not ap-ply to the Additional Coverage - Collapse.

CATASTROPHIC GROUND COVER COLLAPSEWe will pay for direct physical loss or damage toCovered Property caused by or resulting fromcatastrophic ground cover collapse, meaning geo-logical activity that results in all of the following:(a) The abrupt collapse of the ground cover;(b) A depression in the ground cover clearly visi-

ble to the naked eye;(c) Structural damage to the building, including

the foundation; and(d) The insured structure being condemned and

ordered to be vacated by the governmentalagency authorized by law to issue such an or-der for that structure.

However, structural damage consisting merely ofthe settling or cracking of a foundation, structureor building does not constitute loss or damage re-sulting from a catastrophic ground cover collapse.The Earth Movement exclusion and the Col-lapse exclusion do not apply to coverage for Cata-strophic Ground Cover Collapse.Coverage for Catastrophic Ground Cover Collapsedoes not increase the applicable Limit of Insur-ance. Regardless of whether loss or damage attrib-utable to catastrophic ground cover collapse alsoqualifies as Sinkhole Loss or Earthquake (if eitheror both of those causes of loss are covered underthis Coverage Part), only one Limit of Insurance willapply to such loss or damage.

G. The following applies to the Additional Coverage -Civil Authority under the Business Income (AndExtra Expense) Coverage Form, Business Income(Without Extra Expense) Coverage Form and ExtraExpense Coverage Form:1. The Additional Coverage - Civil Authority in-

cludes a requirement that the described prem-ises are not more than one mile from thedamaged property. With respect to the de-scribed premises located in Florida, suchone-mile radius does not apply.

2. The Additional Coverage - Civil Authority islimited to a coverage period of up to fourweeks. With respect to the described premiseslocated in Florida, such four week period is re-placed by a three-week period.

3. Civil Authority coverage is subject to all otherprovisions of that Additional Coverage.

(c) A claim for contents coverage under atenant's policy if the rented premisesare 10,000 square feet or less and thepolicy covers only locations in Florida.

E. Sinkhole Collapse Coverage RemovedSinkhole Collapse coverage is removed as indi-cated in Paragraphs E.1. through E.4.; and cover-age for Catastrophic Ground Cover Collapse isadded instead as set forth in Paragraph F.1. In the Causes of Loss - Basic Form and in the

Standard Property Policy, Sinkhole Collapse isdeleted from the Covered Causes of Loss andsinkhole collapse is no longer an exception tothe Earth Movement exclusion.

2. In the Causes of Loss - Broad Form, SinkholeCollapse is deleted from the Covered Causesof Loss and from the Additional Coverage -Collapse; and sinkhole collapse is no longer anexception to the Earth Movement exclusion.

3. In the Causes of Loss - Special Form, sinkholecollapse is deleted from the "specified causesof loss" and is no longer an exception to theEarth Movement exclusion.

4. In the Mortgageholders Errors And OmissionsCoverage Form, sinkhole collapse is deletedfrom the Covered Causes of Loss under Cov-erage B and from the "specified causes ofloss", and is no longer an exception to theEarth Movement exclusion.

Further, this Coverage Part does not insure againstSinkhole Loss as defined in Florida law unless anendorsement for Sinkhole Loss is made part of thispolicy. However, if Sinkhole Loss causes Cata-strophic Ground Cover Collapse, coverage is pro-vided for the resulting Catastrophic Ground CoverCollapse even if an endorsement for Sinkhole Lossis not made part of this policy.

F. The following is added to this Coverage Part as aCovered Cause Of Loss. In the Causes Of Loss -Special Form and Mortgageholders Errors AndOmissions Coverage Form, the following is alsoadded as a "specified cause of loss". However, as a"specified cause of loss", the following does not ap-ply to the Additional Coverage - Collapse.

CATASTROPHIC GROUND COVER COLLAPSEWe will pay for direct physical loss or damage toCovered Property caused by or resulting fromcatastrophic ground cover collapse, meaning geo-logical activity that results in all of the following:(a) The abrupt collapse of the ground cover;(b) A depression in the ground cover clearly visi-

ble to the naked eye;(c) Structural damage to the building, including

the foundation; and(d) The insured structure being condemned and

ordered to be vacated by the governmentalagency authorized by law to issue such an or-der for that structure.

However, structural damage consisting merely ofthe settling or cracking of a foundation, structureor building does not constitute loss or damage re-sulting from a catastrophic ground cover collapse.The Earth Movement exclusion and the Col-lapse exclusion do not apply to coverage for Cata-strophic Ground Cover Collapse.Coverage for Catastrophic Ground Cover Collapsedoes not increase the applicable Limit of Insur-ance. Regardless of whether loss or damage attrib-utable to catastrophic ground cover collapse alsoqualifies as Sinkhole Loss or Earthquake (if eitheror both of those causes of loss are covered underthis Coverage Part), only one Limit of Insurance willapply to such loss or damage.

G. The following applies to the Additional Coverage -Civil Authority under the Business Income (AndExtra Expense) Coverage Form, Business Income(Without Extra Expense) Coverage Form and ExtraExpense Coverage Form:1. The Additional Coverage - Civil Authority in-

cludes a requirement that the described prem-ises are not more than one mile from thedamaged property. With respect to the de-scribed premises located in Florida, suchone-mile radius does not apply.

2. The Additional Coverage - Civil Authority islimited to a coverage period of up to fourweeks. With respect to the described premiseslocated in Florida, such four week period is re-placed by a three-week period.

3. Civil Authority coverage is subject to all otherprovisions of that Additional Coverage.

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CF 360 (7-88)

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.CP 04 50 07 88

VACANCY PERMITThis endorsement modifies insurance provided under the following:

BUILDING AND PERSONAL PROPERTY COVERAGE FORMCONDOMINIUM ASSOCIATION COVERAGE FORMCONDOMINIUM COMMERCIAL UNIT-OWNERS COVERAGE FORMSTANDARD PROPERTY POLICY

SCHEDULE

Prem. No.

Bldg. No.

Excepted Causes of LossVandalism Sprinkler Leakage

Permit PeriodFrom To

A. The VACANCY Loss Condition does not apply to direct physical loss or damage:1.2.

At the locations; andDuring the Permit Period;

shown in the Schedule or in the Declaration.B. This Vacancy Permit does not apply to the Excepted Causes of Loss indicated in the Declarations or by an "X" in the

Schedule.

CF 360 (7-88)CP 04 50 07 88 Copyright, ISO Commercial Risk Services, Inc., 1983, 1987 Page 1 of 1

01 01 SAMPLE

SCHEDULESAMPLE

SCHEDULE

Excepted Causes of LossSAMPLE

Excepted Causes of LossExcepted Causes of LossSAMPLE

Excepted Causes of LossVandalismSAMPLE

Vandalism Sprinkler LeakageSAMPLE

Sprinkler Leakage

COMMERCIAL GENERAL LIABILITY COVERAGE PARTSUPPLEMENTAL DECLARATIONS

These Supplemental Declarations form a part of policy number

General Aggregate Limit (other than Products/Completed Operations)

Products/Completed Operations Aggregate Limit

Personal and Advertising Injury Limit

Each Occurrence Limit

Damage To Premises Rented To You

Medical Expense Limit

Form of business:

Business description:

Location of all premises you own, rent or occupy:

Individual Joint Venture Partnership Organization (other than Partnership or Joint Venture)

Classification Code No. *Premium Basis PR/Co All Other Pr/Co All OtherAdvance PremiumRate

Forms and endorsements applying to this Coverage Part and made part of this policy at time of issue:

*(a) Area, (c) Total Cost, (m) Admission, (p) Payroll, (s) Gross Sales, (u) Units, (o) Other

FORMS AND ENDORSEMENTS (other than applicable forms and endorsements shown elsewhere in the policy)

PREMIUM

BUSINESS DESCRIPTION AND LOCATION OF PREMISES

LIMITS OF INSURANCE

TAP-GL-01 (11-09)

$

$

$

$

$

$

any one fire

any one person

$ $

THIS SUPPLEMENTAL DECLARATIONS AND THE COMMERCIAL LIABILITY DECLARATIONS, TOGETHER WITH THE COMMON POLICYCONDITIONS, COVERAGE FORM(S) AND ENDORSEMENTS COMPLETE THE ABOVE NUMBERED POLICY.

VACANT BUILDINGS - NOT FACTORIESNOT FOR PROFITEXCLUDING PRODUCTS AND/ORCOMPLETED OPERATIONS

68606 FLAT EXCLUDED FLAT EXCLUDED

EXCLUDED

EXCLUDED

EXCLUDED

EXCLUDED

X

VACANT BUILDING

SEE SCHEDULE OF LOCATIONS

TAP-BRGL-02 (08-97), TAP-SP-01 (05-03), SPGL-01 (05-09), CG0001 (12-07), CG0068 (05-09), CG0220 (12-07), CG2104 (11-85),

CG2135 (10-01), CG2136 (03-05), CG2137 (10-01), CG2138 (11-85), CG2139 (10-93), CG2144 (07-98), CG2145 (07-98),

CG2160 (04-98), TAP-128G (10-94), x

Agent

SAMPLE

SAMPLE

Damage To Premises Rented To YouSAMPLE

Damage To Premises Rented To You

Medical Expense LimitSAMPLE

Medical Expense LimitSAMPLE

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SAMPLELocation of all premises you own, rent or occupy:

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SEE SCHEDULE OF LOCATIONS

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EXCLUSION - CONSTRUCTION OPERATIONS

TAP-BRGL-02 08 97

TAP-BRGL-02 08 97

It is agreed & understood that coverage is hereby excluded for any loss or damage arising out of or in any way relating to construction, renovation, remodeling or repair being performed at or upon the Insured premises. SAMPLE

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It is agreed & understood that coverage is hereby excluded for any loss or damage arising out of or in any way relating to construction, SAMPLE

or damage arising out of or in any way relating to construction, renovation, remodeling or repair being performed at or upon the SAMPLE

renovation, remodeling or repair being performed at or upon the Insured premises. SAMPLE

Insured premises.

TAP-SP-01 (05/03)TAP-SP-01 (05/03)

SWIMMING POOL EXCLUSION AND LIMITATION

No coverage is provided under this policy for Bodily Injury arising from the insured's ownership of a swimming pool that is unfenced and/or not in compliance with the city or state laws or safety requirements. The limit of liability that is applicable to any claim or suit brought against an insured relating to swimming pools is $25,000 including all expenses and defense costs.

SWIMMING POOL EXCLUSION AND LIMITATION

No coverage is provided under this policy for Bodily Injury arising from the insured's ownership of a swimming pool that is unfenced and/or not in compliance with the city or state laws or safety requirements. The limit of liability that is applicable to any claim or suit brought against an insured relating to swimming pools is $25,000 including all expenses and defense costs.

SAMPLE

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SPGL-01ATTACHED TO AND

FORMING A PART OFPOLICY NUMBER

ENDORSEMENTEFFECTIVE

MONTH DAY YEAR

INSURED

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

ADDITIONAL EXCLUSIONSThis endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

EXCLUSION - TOTAL POLLUTION

CG 21 49 11 88

EXCLUSION - ASBESTOS, SILICA DUST, TOXIC SUBSTANCES

EXCLUSION - ATHLETIC OR SPORTS PARTICIPANTS

Page 1 of 4SPGL-01SPGL-01 (05/09)

SPGL-01ATTACHED TO AND

FORMING A PART OFPOLICY NUMBER

ENDORSEMENTEFFECTIVE

MONTH DAY YEAR

INSURED

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

ADDITIONAL EXCLUSIONSThis endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

EXCLUSION - TOTAL POLLUTION

CG 21 49 11 88

EXCLUSION - ASBESTOS, SILICA DUST, TOXIC SUBSTANCES

EXCLUSION - ATHLETIC OR SPORTS PARTICIPANTS

Page 1 of 4SPGL-01SPGL-01 (05/09)

Exclusion f. under COVERAGE A (Section I) is replaced by the following:

f. (1) "Bodily injury" or "property damage" which would not have occurred in whole or part but for the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of pollutants at any time.

(2) Any loss, cost or expense arising out of any:

(a) Request, demand or order that any insured or others test for, monitor, clean up, remove, contain, treat, detoxify or neutralise, or in any way respond to, or assess the efects of pollutants; or

(b) Claim or suit by or on behalf of a government authority for damages because of testing for, monitoring, clearing up, removing, containing, treating, detoxifying or neutralising, or in any way responding to, or assessing the effects of pollutants.

Pollutants means any solid, liquid, gaseous, or thermal irritant or contaminant including smoke, vapour, soot, fumes, acid, alkalis, chemicals and waste. Waste includes material to be recycled, reconditioned or reclaimed.

The following exclusion is added to COVERAGES A, B, and C (Section I)

This insurance does not apply to:

(1) "Bodily injury," "personal injury" or medical payments caused by asbestosis, silicosis, mesothelioma, emphysema, pneumoconiosis, pulmonary fibrosis, pleuritis, endothelium or any lung disease or any ailment caused by, or aggravated by exposure, inhalation, consumption or absorption of asbestos fibres or dust or silica dust;

(2) Any "property damage" due to or arising out of the actual or alleged presence of asbestos or silica dust in any form, including the costs of remedial investigations or feasibility studies, or to the costs of testing, monitoring, cleaning or removal of any property or substance; or

(3) "Bodily injury," "property damage," "advertising injury," "personal injury" or medical payments or any other action based upon the Insured(s) supervision, removal; instructions, recommendations, warranties (expressed or implied), warnings or advice given, or withheld regarding asbestos fibres or dust or silica dust.

The following exclusion is added to COVERAGES A, B AND C (Section I)

This insurance does not apply to "bodily injury" to any person while practicing for or participating in any sports contest or exhibition that you sponsor.

CG 21 01 11 85

Exclusion f. under COVERAGE A (Section I) is replaced by the following:

f. (1) "Bodily injury" or "property damage" which would not have occurred in whole or part but for the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of pollutants at any time.

(2) Any loss, cost or expense arising out of any:

(a) Request, demand or order that any insured or others test for, monitor, clean up, remove, contain, treat, detoxify or neutralise, or in any way respond to, or assess the efects of pollutants; or

(b) Claim or suit by or on behalf of a government authority for damages because of testing for, monitoring, clearing up, removing, containing, treating, detoxifying or neutralising, or in any way responding to, or assessing the effects of pollutants.

Pollutants means any solid, liquid, gaseous, or thermal irritant or contaminant including smoke, vapour, soot, fumes, acid, alkalis, chemicals and waste. Waste includes material to be recycled, reconditioned or reclaimed.

The following exclusion is added to COVERAGES A, B, and C (Section I)

This insurance does not apply to:

(1) "Bodily injury," "personal injury" or medical payments caused by asbestosis, silicosis, mesothelioma, emphysema, pneumoconiosis, pulmonary fibrosis, pleuritis, endothelium or any lung disease or any ailment caused by, or aggravated by exposure, inhalation, consumption or absorption of asbestos fibres or dust or silica dust;

(2) Any "property damage" due to or arising out of the actual or alleged presence of asbestos or silica dust in any form, including the costs of remedial investigations or feasibility studies, or to the costs of testing, monitoring, cleaning or removal of any property or substance; or

(3) "Bodily injury," "property damage," "advertising injury," "personal injury" or medical payments or any other action based upon the Insured(s) supervision, removal; instructions, recommendations, warranties (expressed or implied), warnings or advice given, or withheld regarding asbestos fibres or dust or silica dust.

The following exclusion is added to COVERAGES A, B AND C (Section I)

This insurance does not apply to "bodily injury" to any person while practicing for or participating in any sports contest or exhibition that you sponsor.

CG 21 01 11 85

SAMPLE

"Bodily injury" or "property damage" which would not have occurred in whole or part but for the actual, alleged or SAMPLE

"Bodily injury" or "property damage" which would not have occurred in whole or part but for the actual, alleged or

Request, demand or order that any insured or others test for, monitor, clean up, remove, contain, treat, detoxify

SAMPLE

Request, demand or order that any insured or others test for, monitor, clean up, remove, contain, treat, detoxify

Pollutants means any solid, liquid, gaseous, or thermal irritant or contaminant including smoke, vapour, soot, fumes, acid,

SAMPLEPollutants means any solid, liquid, gaseous, or thermal irritant or contaminant including smoke, vapour, soot, fumes, acid,

"Bodily injury" or "property damage" which would not have occurred in whole or part but for the actual, alleged or "Bodily injury" or "property damage" which would not have occurred in whole or part but for the actual, alleged or "Bodily injury" or "property damage" which would not have occurred in whole or part but for the actual, alleged or SAMPLE

"Bodily injury" or "property damage" which would not have occurred in whole or part but for the actual, alleged or "Bodily injury" or "property damage" which would not have occurred in whole or part but for the actual, alleged or "Bodily injury" or "property damage" which would not have occurred in whole or part but for the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of pollutants at any time.SAMPLE

threatened discharge, dispersal, seepage, migration, release or escape of pollutants at any time.threatened discharge, dispersal, seepage, migration, release or escape of pollutants at any time.threatened discharge, dispersal, seepage, migration, release or escape of pollutants at any time.threatened discharge, dispersal, seepage, migration, release or escape of pollutants at any time.SAMPLE

threatened discharge, dispersal, seepage, migration, release or escape of pollutants at any time.threatened discharge, dispersal, seepage, migration, release or escape of pollutants at any time.threatened discharge, dispersal, seepage, migration, release or escape of pollutants at any time.

Any loss, cost or expense arising out of any: Any loss, cost or expense arising out of any: Any loss, cost or expense arising out of any:SAMPLE

Any loss, cost or expense arising out of any: Any loss, cost or expense arising out of any: Any loss, cost or expense arising out of any:

Request, demand or order that any insured or others test for, monitor, clean up, remove, contain, treat, detoxify

SAMPLE

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SAMPLE

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SAMPLE

or neutralise, or in any way respond to, or assess the efects of pollutants; oror neutralise, or in any way respond to, or assess the efects of pollutants; oror neutralise, or in any way respond to, or assess the efects of pollutants; or

Claim or suit by or on behalf of a government authority for damages because of testing for, monitoring, clearing Claim or suit by or on behalf of a government authority for damages because of testing for, monitoring, clearing Claim or suit by or on behalf of a government authority for damages because of testing for, monitoring, clearing

SAMPLE

Claim or suit by or on behalf of a government authority for damages because of testing for, monitoring, clearing Claim or suit by or on behalf of a government authority for damages because of testing for, monitoring, clearing Claim or suit by or on behalf of a government authority for damages because of testing for, monitoring, clearing up, removing, containing, treating, detoxifying or neutralising, or in any way responding to, or assessing the up, removing, containing, treating, detoxifying or neutralising, or in any way responding to, or assessing the up, removing, containing, treating, detoxifying or neutralising, or in any way responding to, or assessing the

SAMPLE

up, removing, containing, treating, detoxifying or neutralising, or in any way responding to, or assessing the up, removing, containing, treating, detoxifying or neutralising, or in any way responding to, or assessing the up, removing, containing, treating, detoxifying or neutralising, or in any way responding to, or assessing the

Pollutants means any solid, liquid, gaseous, or thermal irritant or contaminant including smoke, vapour, soot, fumes, acid, Pollutants means any solid, liquid, gaseous, or thermal irritant or contaminant including smoke, vapour, soot, fumes, acid, Pollutants means any solid, liquid, gaseous, or thermal irritant or contaminant including smoke, vapour, soot, fumes, acid,

SAMPLEPollutants means any solid, liquid, gaseous, or thermal irritant or contaminant including smoke, vapour, soot, fumes, acid, Pollutants means any solid, liquid, gaseous, or thermal irritant or contaminant including smoke, vapour, soot, fumes, acid, Pollutants means any solid, liquid, gaseous, or thermal irritant or contaminant including smoke, vapour, soot, fumes, acid,

SAMPLE

SAMPLE

SAMPLE

SAMPLE

SAMPLEEXCLUSION - ASBESTOS, SILICA DUST, TOXIC SUBSTANCESEXCLUSION - ASBESTOS, SILICA DUST, TOXIC SUBSTANCESEXCLUSION - ASBESTOS, SILICA DUST, TOXIC SUBSTANCES

SAMPLEEXCLUSION - ASBESTOS, SILICA DUST, TOXIC SUBSTANCESEXCLUSION - ASBESTOS, SILICA DUST, TOXIC SUBSTANCESEXCLUSION - ASBESTOS, SILICA DUST, TOXIC SUBSTANCES

SAMPLE"Bodily injury," "personal injury" or medical payments caused by asbestosis, silicosis, mesothelioma, emphysema,

SAMPLE"Bodily injury," "personal injury" or medical payments caused by asbestosis, silicosis, mesothelioma, emphysema,

SAMPLEpneumoconiosis, pulmonary fibrosis, pleuritis, endothelium or any lung disease or any ailment caused by, or

SAMPLEpneumoconiosis, pulmonary fibrosis, pleuritis, endothelium or any lung disease or any ailment caused by, or

SAMPLEAny "property damage" due to or arising out of the actual or alleged presence of asbestos or silica dust in any form,

SAMPLEAny "property damage" due to or arising out of the actual or alleged presence of asbestos or silica dust in any form,

SAMPLEalkalis, chemicals and waste. Waste includes material to be recycled, reconditioned or reclaimed.alkalis, chemicals and waste. Waste includes material to be recycled, reconditioned or reclaimed.alkalis, chemicals and waste. Waste includes material to be recycled, reconditioned or reclaimed.

SAMPLEalkalis, chemicals and waste. Waste includes material to be recycled, reconditioned or reclaimed.alkalis, chemicals and waste. Waste includes material to be recycled, reconditioned or reclaimed.alkalis, chemicals and waste. Waste includes material to be recycled, reconditioned or reclaimed.

The following exclusion is added to COVERAGES A, B, and C (Section I)The following exclusion is added to COVERAGES A, B, and C (Section I)The following exclusion is added to COVERAGES A, B, and C (Section I)

SAMPLEThe following exclusion is added to COVERAGES A, B, and C (Section I)The following exclusion is added to COVERAGES A, B, and C (Section I)The following exclusion is added to COVERAGES A, B, and C (Section I)

"Bodily injury," "personal injury" or medical payments caused by asbestosis, silicosis, mesothelioma, emphysema,

SAMPLE"Bodily injury," "personal injury" or medical payments caused by asbestosis, silicosis, mesothelioma, emphysema, "Bodily injury," "personal injury" or medical payments caused by asbestosis, silicosis, mesothelioma, emphysema, "Bodily injury," "personal injury" or medical payments caused by asbestosis, silicosis, mesothelioma, emphysema, "Bodily injury," "personal injury" or medical payments caused by asbestosis, silicosis, mesothelioma, emphysema,

SAMPLE"Bodily injury," "personal injury" or medical payments caused by asbestosis, silicosis, mesothelioma, emphysema, "Bodily injury," "personal injury" or medical payments caused by asbestosis, silicosis, mesothelioma, emphysema, "Bodily injury," "personal injury" or medical payments caused by asbestosis, silicosis, mesothelioma, emphysema, pneumoconiosis, pulmonary fibrosis, pleuritis, endothelium or any lung disease or any ailment caused by, or

SAMPLEpneumoconiosis, pulmonary fibrosis, pleuritis, endothelium or any lung disease or any ailment caused by, or pneumoconiosis, pulmonary fibrosis, pleuritis, endothelium or any lung disease or any ailment caused by, or pneumoconiosis, pulmonary fibrosis, pleuritis, endothelium or any lung disease or any ailment caused by, or pneumoconiosis, pulmonary fibrosis, pleuritis, endothelium or any lung disease or any ailment caused by, or

SAMPLEpneumoconiosis, pulmonary fibrosis, pleuritis, endothelium or any lung disease or any ailment caused by, or pneumoconiosis, pulmonary fibrosis, pleuritis, endothelium or any lung disease or any ailment caused by, or pneumoconiosis, pulmonary fibrosis, pleuritis, endothelium or any lung disease or any ailment caused by, or aggravated by exposure, inhalation, consumption or absorption of asbestos fibres or dust or silica dust;aggravated by exposure, inhalation, consumption or absorption of asbestos fibres or dust or silica dust;aggravated by exposure, inhalation, consumption or absorption of asbestos fibres or dust or silica dust;

SAMPLEaggravated by exposure, inhalation, consumption or absorption of asbestos fibres or dust or silica dust;aggravated by exposure, inhalation, consumption or absorption of asbestos fibres or dust or silica dust;aggravated by exposure, inhalation, consumption or absorption of asbestos fibres or dust or silica dust;

Any "property damage" due to or arising out of the actual or alleged presence of asbestos or silica dust in any form, Any "property damage" due to or arising out of the actual or alleged presence of asbestos or silica dust in any form, Any "property damage" due to or arising out of the actual or alleged presence of asbestos or silica dust in any form,

SAMPLEAny "property damage" due to or arising out of the actual or alleged presence of asbestos or silica dust in any form, Any "property damage" due to or arising out of the actual or alleged presence of asbestos or silica dust in any form, Any "property damage" due to or arising out of the actual or alleged presence of asbestos or silica dust in any form, including the costs of remedial investigations or feasibility studies, or to the costs of testing, monitoring, cleaning or including the costs of remedial investigations or feasibility studies, or to the costs of testing, monitoring, cleaning or including the costs of remedial investigations or feasibility studies, or to the costs of testing, monitoring, cleaning or

SAMPLEincluding the costs of remedial investigations or feasibility studies, or to the costs of testing, monitoring, cleaning or including the costs of remedial investigations or feasibility studies, or to the costs of testing, monitoring, cleaning or including the costs of remedial investigations or feasibility studies, or to the costs of testing, monitoring, cleaning or

"Bodily injury," "property damage," "advertising injury," "personal injury" or medical payments or any other action "Bodily injury," "property damage," "advertising injury," "personal injury" or medical payments or any other action "Bodily injury," "property damage," "advertising injury," "personal injury" or medical payments or any other action

SAMPLE"Bodily injury," "property damage," "advertising injury," "personal injury" or medical payments or any other action "Bodily injury," "property damage," "advertising injury," "personal injury" or medical payments or any other action "Bodily injury," "property damage," "advertising injury," "personal injury" or medical payments or any other action

EXCLUSION - LEAD CONTAMINATION

EXCLUSION - PUNITIVE OR EXEMPLARY DAMAGE

EXCLUSION - VOLUNTARY LABOR

EXCLUSION - EMPLOYMENT RELATED PRACTICES

Page 2 of 4

SPGL-01

SPGL-01SPGL-01 (05/09)

EXCLUSION - LEAD CONTAMINATION

EXCLUSION - PUNITIVE OR EXEMPLARY DAMAGE

EXCLUSION - VOLUNTARY LABOR

EXCLUSION - EMPLOYMENT RELATED PRACTICES

Page 2 of 4

SPGL-01

SPGL-01SPGL-01 (05/09)

The following exclusion is added to COVERAGES A, B, AND C (Section I):

This insurance does not apply to:

(1) "Bodily injury," "property damage," "advertising injury," "personal injury" or medical payments arising out of the ingestion, inhalation or absorption of lead in any form;

(2) Any loss, cost or expense arising out of any request, demand or order that any insured or others test for, monitor, clean up, remove, contain, treat, detoxify or neutralise, or in any way respond to, or assess the effects of lead; or

(3) Any loss, cost or expense arising out of any claim or suit by or on behalf of a governmental authority for damages because of testing for, monitoring, cleaning up, removing, containing, treating, detoxifying or neutralising, or in any way responding to, or assessing the effects of lead.

The following exclusion is added to COVERAGES A, B, and C (Section I):

This insurance does not apply to a claim of or indemnification for punitive or exemplary damages. If a suit shall have been brought against you for a claim within the coverage provided under the policy, seeking both compensatory and punitive or exemplary damages, then we will afford a defence for such action. We shall not have an obligation to pay for any costs, interest, or damages attributable to punitive or exemplary damages.

The following exclusion is added to COVERAGE A, B and C (Section I):

This insurance does not apply to "bodily injury", "personal injury" or medical payments to any member, associate, affiliated member, or to any person or persons loaned to or volunteering services to you, whether or not paid by you, arising out of or in the course of work performed for you or on your behalf.

The following is added to COVERAGE A and B (Section I):

This insurance does not apply to "bodily injury" or "personal injury" arising out of any:

(1) Refusal to employ;(2) Termination of employment;(3) Coercion, demotion, evaluation, reassignment, discipline, defamation, harrassment, humiliation, discrimination or

other employment-related practices, policies, acts or omissions; or(4) Consequential "bodily injury" or "personal injury" as a result of (1) through (3) above.

This exclusion applies whether the insured may be held liable as an employer or in any other capacity and to any obligation to share damages with or to repay someone else who must pay damages because of the injury.

The following exclusion is added to COVERAGES A, B, AND C (Section I):

This insurance does not apply to:

(1) "Bodily injury," "property damage," "advertising injury," "personal injury" or medical payments arising out of the ingestion, inhalation or absorption of lead in any form;

(2) Any loss, cost or expense arising out of any request, demand or order that any insured or others test for, monitor, clean up, remove, contain, treat, detoxify or neutralise, or in any way respond to, or assess the effects of lead; or

(3) Any loss, cost or expense arising out of any claim or suit by or on behalf of a governmental authority for damages because of testing for, monitoring, cleaning up, removing, containing, treating, detoxifying or neutralising, or in any way responding to, or assessing the effects of lead.

The following exclusion is added to COVERAGES A, B, and C (Section I):

This insurance does not apply to a claim of or indemnification for punitive or exemplary damages. If a suit shall have been brought against you for a claim within the coverage provided under the policy, seeking both compensatory and punitive or exemplary damages, then we will afford a defence for such action. We shall not have an obligation to pay for any costs, interest, or damages attributable to punitive or exemplary damages.

The following exclusion is added to COVERAGE A, B and C (Section I):

This insurance does not apply to "bodily injury", "personal injury" or medical payments to any member, associate, affiliated member, or to any person or persons loaned to or volunteering services to you, whether or not paid by you, arising out of or in the course of work performed for you or on your behalf.

The following is added to COVERAGE A and B (Section I):

This insurance does not apply to "bodily injury" or "personal injury" arising out of any:

(1) Refusal to employ;(2) Termination of employment;(3) Coercion, demotion, evaluation, reassignment, discipline, defamation, harrassment, humiliation, discrimination or

other employment-related practices, policies, acts or omissions; or(4) Consequential "bodily injury" or "personal injury" as a result of (1) through (3) above.

This exclusion applies whether the insured may be held liable as an employer or in any other capacity and to any obligation to share damages with or to repay someone else who must pay damages because of the injury.

SAMPLE

SAMPLE

SAMPLE

SAMPLE

SAMPLE

SAMPLE

SAMPLE

SAMPLE

SAMPLE

SAMPLE

EXCLUSION - PUNITIVE OR EXEMPLARY DAMAGEEXCLUSION - PUNITIVE OR EXEMPLARY DAMAGEEXCLUSION - PUNITIVE OR EXEMPLARY DAMAGE

SAMPLE

EXCLUSION - PUNITIVE OR EXEMPLARY DAMAGEEXCLUSION - PUNITIVE OR EXEMPLARY DAMAGEEXCLUSION - PUNITIVE OR EXEMPLARY DAMAGE

EXCLUSION - VOLUNTARY LABOREXCLUSION - VOLUNTARY LABOREXCLUSION - VOLUNTARY LABOR

SAMPLEEXCLUSION - VOLUNTARY LABOREXCLUSION - VOLUNTARY LABOREXCLUSION - VOLUNTARY LABOR

EXCLUSION - EMPLOYMENT RELATED PRACTICESEXCLUSION - EMPLOYMENT RELATED PRACTICESEXCLUSION - EMPLOYMENT RELATED PRACTICES

SAMPLEEXCLUSION - EMPLOYMENT RELATED PRACTICESEXCLUSION - EMPLOYMENT RELATED PRACTICESEXCLUSION - EMPLOYMENT RELATED PRACTICES

Any loss, cost or expense arising out of any claim or suit by or on behalf of a governmental authority for damages SAMPLE

Any loss, cost or expense arising out of any claim or suit by or on behalf of a governmental authority for damages because of testing for, monitoring, cleaning up, removing, containing, treating, detoxifying or neutralising, or in any SAMPLE

because of testing for, monitoring, cleaning up, removing, containing, treating, detoxifying or neutralising, or in any

The following exclusion is added to COVERAGES A, B, and C (Section I):

SAMPLE

The following exclusion is added to COVERAGES A, B, and C (Section I):

This insurance does not apply to a claim of or indemnification for punitive or exemplary damages. If a suit shall have been

SAMPLEThis insurance does not apply to a claim of or indemnification for punitive or exemplary damages. If a suit shall have been brought against you for a claim within the coverage provided under the policy, seeking both compensatory and punitive or

SAMPLEbrought against you for a claim within the coverage provided under the policy, seeking both compensatory and punitive or exemplary damages, then we will afford a defence for such action. We shall not have an obligation to pay for any costs,

SAMPLEexemplary damages, then we will afford a defence for such action. We shall not have an obligation to pay for any costs, interest, or damages attributable to punitive or exemplary damages.

SAMPLEinterest, or damages attributable to punitive or exemplary damages.

The following exclusion is added to COVERAGE A, B and C (Section I):

SAMPLEThe following exclusion is added to COVERAGE A, B and C (Section I):

This insurance does not apply to "bodily injury", "personal injury" or medical payments to any member, associate, affiliated

SAMPLEThis insurance does not apply to "bodily injury", "personal injury" or medical payments to any member, associate, affiliated member, or to any person or persons loaned to or volunteering services to you, whether or not paid by you, arising out of or

SAMPLEmember, or to any person or persons loaned to or volunteering services to you, whether or not paid by you, arising out of or

Any loss, cost or expense arising out of any claim or suit by or on behalf of a governmental authority for damages SAMPLE

Any loss, cost or expense arising out of any claim or suit by or on behalf of a governmental authority for damages Any loss, cost or expense arising out of any claim or suit by or on behalf of a governmental authority for damages Any loss, cost or expense arising out of any claim or suit by or on behalf of a governmental authority for damages Any loss, cost or expense arising out of any claim or suit by or on behalf of a governmental authority for damages SAMPLE

Any loss, cost or expense arising out of any claim or suit by or on behalf of a governmental authority for damages Any loss, cost or expense arising out of any claim or suit by or on behalf of a governmental authority for damages Any loss, cost or expense arising out of any claim or suit by or on behalf of a governmental authority for damages because of testing for, monitoring, cleaning up, removing, containing, treating, detoxifying or neutralising, or in any SAMPLE

because of testing for, monitoring, cleaning up, removing, containing, treating, detoxifying or neutralising, or in any because of testing for, monitoring, cleaning up, removing, containing, treating, detoxifying or neutralising, or in any because of testing for, monitoring, cleaning up, removing, containing, treating, detoxifying or neutralising, or in any because of testing for, monitoring, cleaning up, removing, containing, treating, detoxifying or neutralising, or in any SAMPLE

because of testing for, monitoring, cleaning up, removing, containing, treating, detoxifying or neutralising, or in any because of testing for, monitoring, cleaning up, removing, containing, treating, detoxifying or neutralising, or in any because of testing for, monitoring, cleaning up, removing, containing, treating, detoxifying or neutralising, or in any way responding to, or assessing the effects of lead.SAMPLE

way responding to, or assessing the effects of lead.way responding to, or assessing the effects of lead.way responding to, or assessing the effects of lead.way responding to, or assessing the effects of lead.SAMPLE

way responding to, or assessing the effects of lead.way responding to, or assessing the effects of lead.way responding to, or assessing the effects of lead.

The following exclusion is added to COVERAGES A, B, and C (Section I):The following exclusion is added to COVERAGES A, B, and C (Section I):The following exclusion is added to COVERAGES A, B, and C (Section I):

SAMPLE

The following exclusion is added to COVERAGES A, B, and C (Section I):The following exclusion is added to COVERAGES A, B, and C (Section I):The following exclusion is added to COVERAGES A, B, and C (Section I):

This insurance does not apply to a claim of or indemnification for punitive or exemplary damages. If a suit shall have been

SAMPLEThis insurance does not apply to a claim of or indemnification for punitive or exemplary damages. If a suit shall have been This insurance does not apply to a claim of or indemnification for punitive or exemplary damages. If a suit shall have been This insurance does not apply to a claim of or indemnification for punitive or exemplary damages. If a suit shall have been This insurance does not apply to a claim of or indemnification for punitive or exemplary damages. If a suit shall have been

SAMPLEThis insurance does not apply to a claim of or indemnification for punitive or exemplary damages. If a suit shall have been This insurance does not apply to a claim of or indemnification for punitive or exemplary damages. If a suit shall have been This insurance does not apply to a claim of or indemnification for punitive or exemplary damages. If a suit shall have been brought against you for a claim within the coverage provided under the policy, seeking both compensatory and punitive or

SAMPLEbrought against you for a claim within the coverage provided under the policy, seeking both compensatory and punitive or brought against you for a claim within the coverage provided under the policy, seeking both compensatory and punitive or brought against you for a claim within the coverage provided under the policy, seeking both compensatory and punitive or brought against you for a claim within the coverage provided under the policy, seeking both compensatory and punitive or

SAMPLEbrought against you for a claim within the coverage provided under the policy, seeking both compensatory and punitive or brought against you for a claim within the coverage provided under the policy, seeking both compensatory and punitive or brought against you for a claim within the coverage provided under the policy, seeking both compensatory and punitive or exemplary damages, then we will afford a defence for such action. We shall not have an obligation to pay for any costs,

SAMPLEexemplary damages, then we will afford a defence for such action. We shall not have an obligation to pay for any costs, exemplary damages, then we will afford a defence for such action. We shall not have an obligation to pay for any costs, exemplary damages, then we will afford a defence for such action. We shall not have an obligation to pay for any costs, exemplary damages, then we will afford a defence for such action. We shall not have an obligation to pay for any costs,

SAMPLEexemplary damages, then we will afford a defence for such action. We shall not have an obligation to pay for any costs, exemplary damages, then we will afford a defence for such action. We shall not have an obligation to pay for any costs, exemplary damages, then we will afford a defence for such action. We shall not have an obligation to pay for any costs, interest, or damages attributable to punitive or exemplary damages.

SAMPLEinterest, or damages attributable to punitive or exemplary damages.interest, or damages attributable to punitive or exemplary damages.interest, or damages attributable to punitive or exemplary damages.interest, or damages attributable to punitive or exemplary damages.

SAMPLEinterest, or damages attributable to punitive or exemplary damages.interest, or damages attributable to punitive or exemplary damages.interest, or damages attributable to punitive or exemplary damages.

The following exclusion is added to COVERAGE A, B and C (Section I):

SAMPLEThe following exclusion is added to COVERAGE A, B and C (Section I):The following exclusion is added to COVERAGE A, B and C (Section I):The following exclusion is added to COVERAGE A, B and C (Section I):The following exclusion is added to COVERAGE A, B and C (Section I):

SAMPLEThe following exclusion is added to COVERAGE A, B and C (Section I):The following exclusion is added to COVERAGE A, B and C (Section I):The following exclusion is added to COVERAGE A, B and C (Section I):

This insurance does not apply to "bodily injury", "personal injury" or medical payments to any member, associate, affiliated

SAMPLEThis insurance does not apply to "bodily injury", "personal injury" or medical payments to any member, associate, affiliated This insurance does not apply to "bodily injury", "personal injury" or medical payments to any member, associate, affiliated This insurance does not apply to "bodily injury", "personal injury" or medical payments to any member, associate, affiliated This insurance does not apply to "bodily injury", "personal injury" or medical payments to any member, associate, affiliated

SAMPLEThis insurance does not apply to "bodily injury", "personal injury" or medical payments to any member, associate, affiliated This insurance does not apply to "bodily injury", "personal injury" or medical payments to any member, associate, affiliated This insurance does not apply to "bodily injury", "personal injury" or medical payments to any member, associate, affiliated member, or to any person or persons loaned to or volunteering services to you, whether or not paid by you, arising out of or member, or to any person or persons loaned to or volunteering services to you, whether or not paid by you, arising out of or member, or to any person or persons loaned to or volunteering services to you, whether or not paid by you, arising out of or

SAMPLEmember, or to any person or persons loaned to or volunteering services to you, whether or not paid by you, arising out of or member, or to any person or persons loaned to or volunteering services to you, whether or not paid by you, arising out of or member, or to any person or persons loaned to or volunteering services to you, whether or not paid by you, arising out of or

EXCLUSION - ASSAULT AND BATTERY / NEGLIGENT HIRING

EXCLUSION - ABUSE OR MOLESTATION

EXCLUSION - COMMUNICABLE DISEASE

Page 3 of 4

SPGL-01

SPGL-01SPGL-01 (05/09)

ANIMAL EXCLUSION

EXCLUSION - ASSAULT AND BATTERY / NEGLIGENT HIRING

EXCLUSION - ABUSE OR MOLESTATION

EXCLUSION - COMMUNICABLE DISEASE

Page 3 of 4

SPGL-01

SPGL-01SPGL-01 (05/09)

ANIMAL EXCLUSION

The following exclusion is added to COVERAGES A, B and C (Section I):

This insurance does not apply to "bodily injury," "personal injury" or medical payments arising out of:

(1) The actual or threatened abuse or molestation by anyone of any person while in the care, custody or control of any insured; or

(2) The negligent:

(a) employment;(b) investigation;(c) supervision;(d) reporting to the proper authorities, or failure to so report; or(e) retention;

of a person for whom any insured is or ever was legally responsible and whose conduct would be excluded by (a) above.

The following exclusion is added to COVERAGES A, B and C (Section I):

This insurance does not apply to "bodily injury," "personal injury" or medical payments arising out of claims, accusations or charges brought by or against any insured(s) for actural or alleged damages arising out of a communicable disease no matter how transmitted including, but not limited to, Acquired Immune Deficiency Syndrome (AIDS).

Notwithstanding anything contained herein to the contrary, it is understood and agreed that this policy excludes claims arising out of;

1. Assault and Battery, whether caused by or at the instructions of, or at the direction of or negligence of the insured, his employees, patrons or any causes whatsoever and

2. Allegations of negligent act or ommission by or on behalf of the Insured in connectionwith hiring, retention or control of employees, supervision or prevention or suppressionof such assault and battery.

This policy does not cover liability for property damage or bodily injury caused by any animals or pets whether owned by the insured or not and whether disclosed or not on the application. The term "animal" shall include all living organisms capable of movement and sensation except human beings.

The following exclusion is added to COVERAGES A, B and C (Section I):

This insurance does not apply to "bodily injury," "personal injury" or medical payments arising out of:

(1) The actual or threatened abuse or molestation by anyone of any person while in the care, custody or control of any insured; or

(2) The negligent:

(a) employment;(b) investigation;(c) supervision;(d) reporting to the proper authorities, or failure to so report; or(e) retention;

of a person for whom any insured is or ever was legally responsible and whose conduct would be excluded by (a) above.

The following exclusion is added to COVERAGES A, B and C (Section I):

This insurance does not apply to "bodily injury," "personal injury" or medical payments arising out of claims, accusations or charges brought by or against any insured(s) for actural or alleged damages arising out of a communicable disease no matter how transmitted including, but not limited to, Acquired Immune Deficiency Syndrome (AIDS).

Notwithstanding anything contained herein to the contrary, it is understood and agreed that this policy excludes claims arising out of;

1. Assault and Battery, whether caused by or at the instructions of, or at the direction of or negligence of the insured, his employees, patrons or any causes whatsoever and

2. Allegations of negligent act or ommission by or on behalf of the Insured in connectionwith hiring, retention or control of employees, supervision or prevention or suppressionof such assault and battery.

This policy does not cover liability for property damage or bodily injury caused by any animals or pets whether owned by the insured or not and whether disclosed or not on the application. The term "animal" shall include all living organisms capable of movement and sensation except human beings.

SAMPLE

SAMPLE

SAMPLE

SAMPLE

SAMPLE

EXCLUSION - ABUSE OR MOLESTATIONEXCLUSION - ABUSE OR MOLESTATIONEXCLUSION - ABUSE OR MOLESTATIONSAMPLE

EXCLUSION - ABUSE OR MOLESTATIONEXCLUSION - ABUSE OR MOLESTATIONEXCLUSION - ABUSE OR MOLESTATION

The following exclusion is added to COVERAGES A, B and C (Section I):

SAMPLE

The following exclusion is added to COVERAGES A, B and C (Section I):The following exclusion is added to COVERAGES A, B and C (Section I):The following exclusion is added to COVERAGES A, B and C (Section I):The following exclusion is added to COVERAGES A, B and C (Section I):

SAMPLE

The following exclusion is added to COVERAGES A, B and C (Section I):The following exclusion is added to COVERAGES A, B and C (Section I):The following exclusion is added to COVERAGES A, B and C (Section I):

SAMPLEreporting to the proper authorities, or failure to so report; or

SAMPLEreporting to the proper authorities, or failure to so report; or

SAMPLE

SAMPLE

SAMPLE

SAMPLE

SAMPLE

SAMPLE

SAMPLE

SAMPLEEXCLUSION - COMMUNICABLE DISEASEEXCLUSION - COMMUNICABLE DISEASEEXCLUSION - COMMUNICABLE DISEASE

SAMPLEEXCLUSION - COMMUNICABLE DISEASEEXCLUSION - COMMUNICABLE DISEASEEXCLUSION - COMMUNICABLE DISEASE

of a person for whom any insured is or ever was legally responsible and whose conduct would be excluded by (a)

SAMPLEof a person for whom any insured is or ever was legally responsible and whose conduct would be excluded by (a)

This insurance does not apply to "bodily injury," "personal injury" or medical payments arising out of:This insurance does not apply to "bodily injury," "personal injury" or medical payments arising out of:This insurance does not apply to "bodily injury," "personal injury" or medical payments arising out of:

SAMPLE

This insurance does not apply to "bodily injury," "personal injury" or medical payments arising out of:This insurance does not apply to "bodily injury," "personal injury" or medical payments arising out of:This insurance does not apply to "bodily injury," "personal injury" or medical payments arising out of:

The actual or threatened abuse or molestation by anyone of any person while in the care, custody or control of any The actual or threatened abuse or molestation by anyone of any person while in the care, custody or control of any The actual or threatened abuse or molestation by anyone of any person while in the care, custody or control of any

SAMPLE

The actual or threatened abuse or molestation by anyone of any person while in the care, custody or control of any The actual or threatened abuse or molestation by anyone of any person while in the care, custody or control of any The actual or threatened abuse or molestation by anyone of any person while in the care, custody or control of any

reporting to the proper authorities, or failure to so report; or

SAMPLEreporting to the proper authorities, or failure to so report; orreporting to the proper authorities, or failure to so report; orreporting to the proper authorities, or failure to so report; orreporting to the proper authorities, or failure to so report; or

SAMPLEreporting to the proper authorities, or failure to so report; orreporting to the proper authorities, or failure to so report; orreporting to the proper authorities, or failure to so report; or

of a person for whom any insured is or ever was legally responsible and whose conduct would be excluded by (a)

SAMPLEof a person for whom any insured is or ever was legally responsible and whose conduct would be excluded by (a) of a person for whom any insured is or ever was legally responsible and whose conduct would be excluded by (a) of a person for whom any insured is or ever was legally responsible and whose conduct would be excluded by (a) of a person for whom any insured is or ever was legally responsible and whose conduct would be excluded by (a)

SAMPLEof a person for whom any insured is or ever was legally responsible and whose conduct would be excluded by (a) of a person for whom any insured is or ever was legally responsible and whose conduct would be excluded by (a) of a person for whom any insured is or ever was legally responsible and whose conduct would be excluded by (a)

SAMPLEThis insurance does not apply to "bodily injury," "personal injury" or medical payments arising out of claims, accusations or This insurance does not apply to "bodily injury," "personal injury" or medical payments arising out of claims, accusations or This insurance does not apply to "bodily injury," "personal injury" or medical payments arising out of claims, accusations or

SAMPLEThis insurance does not apply to "bodily injury," "personal injury" or medical payments arising out of claims, accusations or This insurance does not apply to "bodily injury," "personal injury" or medical payments arising out of claims, accusations or This insurance does not apply to "bodily injury," "personal injury" or medical payments arising out of claims, accusations or charges brought by or against any insured(s) for actural or alleged damages arising out of a communicable disease no matter

SAMPLEcharges brought by or against any insured(s) for actural or alleged damages arising out of a communicable disease no matter charges brought by or against any insured(s) for actural or alleged damages arising out of a communicable disease no matter charges brought by or against any insured(s) for actural or alleged damages arising out of a communicable disease no matter charges brought by or against any insured(s) for actural or alleged damages arising out of a communicable disease no matter

SAMPLEcharges brought by or against any insured(s) for actural or alleged damages arising out of a communicable disease no matter charges brought by or against any insured(s) for actural or alleged damages arising out of a communicable disease no matter charges brought by or against any insured(s) for actural or alleged damages arising out of a communicable disease no matter

SPGL-01

EXCLUSION - CLASSIFICATION LIMITATION

ADDITIONAL CONDITIONS

NOTICE TO ALL POLICY HOLDERS

LIMITATION - OTHER INSURANCE

LIQUOR LIABILITY EXCLUSION

Page 4 of 4SPGL-01SPGL-01 (05/09)

SPGL-01

EXCLUSION - CLASSIFICATION LIMITATION

ADDITIONAL CONDITIONS

NOTICE TO ALL POLICY HOLDERS

LIMITATION - OTHER INSURANCE

LIQUOR LIABILITY EXCLUSION

Page 4 of 4SPGL-01SPGL-01 (05/09)

The following exclusion is added to COVERAGES A, B, and C (Section I):

This insurance does not apply to "bodliy injury", "Property damage", "advertising injury", "personal injury" or medical payments for operations which are not classified or shown on the Commercial General Liability Coverage Declarations, its endorsements or supplements. Coverage applies only to those operations as described under the "Description of Hazards".

This insurance does not provide coverage as required by Environmental Protection Agency (EPA) 40 CFR Parts 280 and 281 for underground storage tanks nor any coverage under CERCLA or similar State or Federal Environmental Act(s).

THIS POLICY EXCLUDES COVERAGE FOR POLLUTION AND / OR ACTUAL, ALLEGED OR THREATENED DISCHARGE, DISPERSAL, SEEPAGE, MIGRATION, RELEASE OR ESCAPE OF POLLUTANTS AT ANY TIME.

CONDITION 4. Other Insurance, under COMMERCIAL GENERAL LIABILITY CONDITIONS (Section IV), item b(3) providing Excess Insurance if the loss arises out of the maintenance or use of aircraft, "autos" or watercraft is deleted.

ALL OTHER TERMS AND CONDITONS OF THIS POLICY REMAIN UNCHANGED

Exclusion (c) under Coverage A (Section 1) is replaced by the following:

It is agreed that this policy shall not apply to Bodily Injury or Property Damage for which the Insured or his indemnitee may be held liable or negligent (1) as a person or organization engaged in the business of manufacturing, distributing, selling, or serving alcoholic beverages, or (2) if not so engaged, as an owner or lessor of premises used for such purposes, by reason of the selling, serving or giving of any alcoholic beverage:

(a) in violation of any statute, ordinance, or regulation,(b) to a minor,(c) to a person under the influence of alcohol, or(d) which causes or contributes to the intoxication of any person

This exclusion applies regardless of whether the insured or the insured's indemnitee is in the business of making a profit from the selling or serving of such alcoholic beverage and the Company shall have no obligation to defend any loss excluded under this endorsement against the insured seeking damages by reason of such bodily injury or property damage, even if any of the allegations of the suit are groundless, false or fraudulent.

This exclusion applies to all allegations including, but not limited to, negligent hiring, placement, training, supervision, or to any act, error or omission relating to the consumption or distribution of any alcoholic beverage.

LLE-10 (7/93)

The following exclusion is added to COVERAGES A, B, and C (Section I):

This insurance does not apply to "bodliy injury", "Property damage", "advertising injury", "personal injury" or medical payments for operations which are not classified or shown on the Commercial General Liability Coverage Declarations, its endorsements or supplements. Coverage applies only to those operations as described under the "Description of Hazards".

This insurance does not provide coverage as required by Environmental Protection Agency (EPA) 40 CFR Parts 280 and 281 for underground storage tanks nor any coverage under CERCLA or similar State or Federal Environmental Act(s).

THIS POLICY EXCLUDES COVERAGE FOR POLLUTION AND / OR ACTUAL, ALLEGED OR THREATENED DISCHARGE, DISPERSAL, SEEPAGE, MIGRATION, RELEASE OR ESCAPE OF POLLUTANTS AT ANY TIME.

CONDITION 4. Other Insurance, under COMMERCIAL GENERAL LIABILITY CONDITIONS (Section IV), item b(3) providing Excess Insurance if the loss arises out of the maintenance or use of aircraft, "autos" or watercraft is deleted.

ALL OTHER TERMS AND CONDITONS OF THIS POLICY REMAIN UNCHANGED

Exclusion (c) under Coverage A (Section 1) is replaced by the following:

It is agreed that this policy shall not apply to Bodily Injury or Property Damage for which the Insured or his indemnitee may be held liable or negligent (1) as a person or organization engaged in the business of manufacturing, distributing, selling, or serving alcoholic beverages, or (2) if not so engaged, as an owner or lessor of premises used for such purposes, by reason of the selling, serving or giving of any alcoholic beverage:

(a) in violation of any statute, ordinance, or regulation,(b) to a minor,(c) to a person under the influence of alcohol, or(d) which causes or contributes to the intoxication of any person

This exclusion applies regardless of whether the insured or the insured's indemnitee is in the business of making a profit from the selling or serving of such alcoholic beverage and the Company shall have no obligation to defend any loss excluded under this endorsement against the insured seeking damages by reason of such bodily injury or property damage, even if any of the allegations of the suit are groundless, false or fraudulent.

This exclusion applies to all allegations including, but not limited to, negligent hiring, placement, training, supervision, or to any act, error or omission relating to the consumption or distribution of any alcoholic beverage.

LLE-10 (7/93)

SAMPLE

SAMPLE

SAMPLE

SAMPLE

SAMPLE

SAMPLE

SAMPLE

SAMPLE

SAMPLE

SAMPLELIQUOR LIABILITY EXCLUSION

SAMPLELIQUOR LIABILITY EXCLUSION

LIMITATION - OTHER INSURANCE

SAMPLE

LIMITATION - OTHER INSURANCELIMITATION - OTHER INSURANCELIMITATION - OTHER INSURANCELIMITATION - OTHER INSURANCE

SAMPLE

LIMITATION - OTHER INSURANCELIMITATION - OTHER INSURANCELIMITATION - OTHER INSURANCE

LIQUOR LIABILITY EXCLUSIONLIQUOR LIABILITY EXCLUSIONLIQUOR LIABILITY EXCLUSION

SAMPLELIQUOR LIABILITY EXCLUSIONLIQUOR LIABILITY EXCLUSIONLIQUOR LIABILITY EXCLUSION

This insurance does not provide coverage as required by Environmental Protection Agency (EPA) 40 CFR Parts 280 and 281 SAMPLE

This insurance does not provide coverage as required by Environmental Protection Agency (EPA) 40 CFR Parts 280 and 281 for underground storage tanks nor any coverage under CERCLA or similar State or Federal Environmental Act(s).SAMPLE

for underground storage tanks nor any coverage under CERCLA or similar State or Federal Environmental Act(s).

THIS POLICY EXCLUDES COVERAGE FOR POLLUTION AND / OR ACTUAL, ALLEGED OR THREATENED SAMPLE

THIS POLICY EXCLUDES COVERAGE FOR POLLUTION AND / OR ACTUAL, ALLEGED OR THREATENED DISCHARGE, DISPERSAL, SEEPAGE, MIGRATION, RELEASE OR ESCAPE OF POLLUTANTS AT ANY TIME.

SAMPLE

DISCHARGE, DISPERSAL, SEEPAGE, MIGRATION, RELEASE OR ESCAPE OF POLLUTANTS AT ANY TIME.

CONDITION 4. Other Insurance, under COMMERCIAL GENERAL LIABILITY CONDITIONS (Section IV), item b(3) providing

SAMPLECONDITION 4. Other Insurance, under COMMERCIAL GENERAL LIABILITY CONDITIONS (Section IV), item b(3) providing Excess Insurance if the loss arises out of the maintenance or use of aircraft, "autos" or watercraft

SAMPLEExcess Insurance if the loss arises out of the maintenance or use of aircraft, "autos" or watercraft

ALL OTHER TERMS AND CONDITONS OF THIS POLICY REMAIN UNCHANGED

SAMPLEALL OTHER TERMS AND CONDITONS OF THIS POLICY REMAIN UNCHANGED

Property Damage

SAMPLEProperty Damage for which the

SAMPLE for which the

This insurance does not provide coverage as required by Environmental Protection Agency (EPA) 40 CFR Parts 280 and 281 SAMPLE

This insurance does not provide coverage as required by Environmental Protection Agency (EPA) 40 CFR Parts 280 and 281 This insurance does not provide coverage as required by Environmental Protection Agency (EPA) 40 CFR Parts 280 and 281 This insurance does not provide coverage as required by Environmental Protection Agency (EPA) 40 CFR Parts 280 and 281 This insurance does not provide coverage as required by Environmental Protection Agency (EPA) 40 CFR Parts 280 and 281 SAMPLE

This insurance does not provide coverage as required by Environmental Protection Agency (EPA) 40 CFR Parts 280 and 281 This insurance does not provide coverage as required by Environmental Protection Agency (EPA) 40 CFR Parts 280 and 281 This insurance does not provide coverage as required by Environmental Protection Agency (EPA) 40 CFR Parts 280 and 281 for underground storage tanks nor any coverage under CERCLA or similar State or Federal Environmental Act(s).SAMPLE

for underground storage tanks nor any coverage under CERCLA or similar State or Federal Environmental Act(s).for underground storage tanks nor any coverage under CERCLA or similar State or Federal Environmental Act(s).for underground storage tanks nor any coverage under CERCLA or similar State or Federal Environmental Act(s).for underground storage tanks nor any coverage under CERCLA or similar State or Federal Environmental Act(s).SAMPLE

for underground storage tanks nor any coverage under CERCLA or similar State or Federal Environmental Act(s).for underground storage tanks nor any coverage under CERCLA or similar State or Federal Environmental Act(s).for underground storage tanks nor any coverage under CERCLA or similar State or Federal Environmental Act(s).

THIS POLICY EXCLUDES COVERAGE FOR POLLUTION AND / OR ACTUAL, ALLEGED OR THREATENED SAMPLE

THIS POLICY EXCLUDES COVERAGE FOR POLLUTION AND / OR ACTUAL, ALLEGED OR THREATENED THIS POLICY EXCLUDES COVERAGE FOR POLLUTION AND / OR ACTUAL, ALLEGED OR THREATENED THIS POLICY EXCLUDES COVERAGE FOR POLLUTION AND / OR ACTUAL, ALLEGED OR THREATENED THIS POLICY EXCLUDES COVERAGE FOR POLLUTION AND / OR ACTUAL, ALLEGED OR THREATENED SAMPLE

THIS POLICY EXCLUDES COVERAGE FOR POLLUTION AND / OR ACTUAL, ALLEGED OR THREATENED THIS POLICY EXCLUDES COVERAGE FOR POLLUTION AND / OR ACTUAL, ALLEGED OR THREATENED THIS POLICY EXCLUDES COVERAGE FOR POLLUTION AND / OR ACTUAL, ALLEGED OR THREATENED DISCHARGE, DISPERSAL, SEEPAGE, MIGRATION, RELEASE OR ESCAPE OF POLLUTANTS AT ANY TIME.DISCHARGE, DISPERSAL, SEEPAGE, MIGRATION, RELEASE OR ESCAPE OF POLLUTANTS AT ANY TIME.DISCHARGE, DISPERSAL, SEEPAGE, MIGRATION, RELEASE OR ESCAPE OF POLLUTANTS AT ANY TIME.

SAMPLE

DISCHARGE, DISPERSAL, SEEPAGE, MIGRATION, RELEASE OR ESCAPE OF POLLUTANTS AT ANY TIME.DISCHARGE, DISPERSAL, SEEPAGE, MIGRATION, RELEASE OR ESCAPE OF POLLUTANTS AT ANY TIME.DISCHARGE, DISPERSAL, SEEPAGE, MIGRATION, RELEASE OR ESCAPE OF POLLUTANTS AT ANY TIME.

CONDITION 4. Other Insurance, under COMMERCIAL GENERAL LIABILITY CONDITIONS (Section IV), item b(3) providing CONDITION 4. Other Insurance, under COMMERCIAL GENERAL LIABILITY CONDITIONS (Section IV), item b(3) providing CONDITION 4. Other Insurance, under COMMERCIAL GENERAL LIABILITY CONDITIONS (Section IV), item b(3) providing

SAMPLECONDITION 4. Other Insurance, under COMMERCIAL GENERAL LIABILITY CONDITIONS (Section IV), item b(3) providing CONDITION 4. Other Insurance, under COMMERCIAL GENERAL LIABILITY CONDITIONS (Section IV), item b(3) providing CONDITION 4. Other Insurance, under COMMERCIAL GENERAL LIABILITY CONDITIONS (Section IV), item b(3) providing Excess Insurance if the loss arises out of the maintenance or use of aircraft, "autos" or watercraft

SAMPLEExcess Insurance if the loss arises out of the maintenance or use of aircraft, "autos" or watercraft Excess Insurance if the loss arises out of the maintenance or use of aircraft, "autos" or watercraft Excess Insurance if the loss arises out of the maintenance or use of aircraft, "autos" or watercraft Excess Insurance if the loss arises out of the maintenance or use of aircraft, "autos" or watercraft

SAMPLEExcess Insurance if the loss arises out of the maintenance or use of aircraft, "autos" or watercraft Excess Insurance if the loss arises out of the maintenance or use of aircraft, "autos" or watercraft Excess Insurance if the loss arises out of the maintenance or use of aircraft, "autos" or watercraft

ALL OTHER TERMS AND CONDITONS OF THIS POLICY REMAIN UNCHANGED

SAMPLEALL OTHER TERMS AND CONDITONS OF THIS POLICY REMAIN UNCHANGEDALL OTHER TERMS AND CONDITONS OF THIS POLICY REMAIN UNCHANGEDALL OTHER TERMS AND CONDITONS OF THIS POLICY REMAIN UNCHANGEDALL OTHER TERMS AND CONDITONS OF THIS POLICY REMAIN UNCHANGED

SAMPLEALL OTHER TERMS AND CONDITONS OF THIS POLICY REMAIN UNCHANGEDALL OTHER TERMS AND CONDITONS OF THIS POLICY REMAIN UNCHANGEDALL OTHER TERMS AND CONDITONS OF THIS POLICY REMAIN UNCHANGED

Exclusion (c) under Coverage A (Section 1) is replaced by the following:Exclusion (c) under Coverage A (Section 1) is replaced by the following:Exclusion (c) under Coverage A (Section 1) is replaced by the following:

SAMPLEExclusion (c) under Coverage A (Section 1) is replaced by the following:Exclusion (c) under Coverage A (Section 1) is replaced by the following:Exclusion (c) under Coverage A (Section 1) is replaced by the following:

Property Damage

SAMPLEProperty DamageProperty DamageProperty DamageProperty Damage

SAMPLEProperty DamageProperty DamageProperty Damage for which the

SAMPLE for which the for which the for which the for which the

SAMPLE for which the for which the for which the

SAMPLEselling, or serving alcoholic beverages, or (2) if not so engaged, as an owner or lessor of premises used for such

SAMPLEselling, or serving alcoholic beverages, or (2) if not so engaged, as an owner or lessor of premises used for such

Insured Insured Insured

SAMPLE Insured Insured Insuredmay be held liable or negligent (1) as a person or organization engaged in the business of manufacturing, distributing,

SAMPLEmay be held liable or negligent (1) as a person or organization engaged in the business of manufacturing, distributing, may be held liable or negligent (1) as a person or organization engaged in the business of manufacturing, distributing, may be held liable or negligent (1) as a person or organization engaged in the business of manufacturing, distributing, may be held liable or negligent (1) as a person or organization engaged in the business of manufacturing, distributing,

SAMPLEmay be held liable or negligent (1) as a person or organization engaged in the business of manufacturing, distributing, may be held liable or negligent (1) as a person or organization engaged in the business of manufacturing, distributing, may be held liable or negligent (1) as a person or organization engaged in the business of manufacturing, distributing, selling, or serving alcoholic beverages, or (2) if not so engaged, as an owner or lessor of premises used for such

SAMPLEselling, or serving alcoholic beverages, or (2) if not so engaged, as an owner or lessor of premises used for such selling, or serving alcoholic beverages, or (2) if not so engaged, as an owner or lessor of premises used for such selling, or serving alcoholic beverages, or (2) if not so engaged, as an owner or lessor of premises used for such selling, or serving alcoholic beverages, or (2) if not so engaged, as an owner or lessor of premises used for such

SAMPLEselling, or serving alcoholic beverages, or (2) if not so engaged, as an owner or lessor of premises used for such selling, or serving alcoholic beverages, or (2) if not so engaged, as an owner or lessor of premises used for such selling, or serving alcoholic beverages, or (2) if not so engaged, as an owner or lessor of premises used for such purposes, by reason of the selling, serving or giving of any alcoholic beverage:

SAMPLEpurposes, by reason of the selling, serving or giving of any alcoholic beverage:purposes, by reason of the selling, serving or giving of any alcoholic beverage:purposes, by reason of the selling, serving or giving of any alcoholic beverage:purposes, by reason of the selling, serving or giving of any alcoholic beverage:

SAMPLEpurposes, by reason of the selling, serving or giving of any alcoholic beverage:purposes, by reason of the selling, serving or giving of any alcoholic beverage:purposes, by reason of the selling, serving or giving of any alcoholic beverage:

Copyright, ISO Properties, Inc., 2006CG 00 01 12 07 Page 1 of 16Copyright, ISO Properties, Inc., 2006CG 00 01 12 07 Page 1 of 16

COMMERCIAL GENERAL LIABILITYCG 00 01 12 07

COMMERCIAL GENERAL LIABILITY COVERAGE FORM

Various provisions in this policy restrict coverage. Readthe entire policy carefully to determine rights, dutiesand what is and is not covered. Throughout this policy the words "you" and "your"refer to the Named Insured shown in the Declarations,and any other person or organization qualifying asa Named Insured under this policy. The words "we","us" and "our" refer to the company providing thisinsurance.The word "insured" means any person or organizationqualifying as such under Section II - Who Is An Insured. Other words and phrases that appear in quotationmarks have special meaning. Refer to Section V -Definitions.SECTION I - COVERAGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY 1. Insuring Agreement

a. We will pay those sums that the insured be-comes legally obligated to pay as damagesbecause of "bodily injury" or "property dam-age" to which this insurance applies. We willhave the right and duty to defend the insuredagainst any "suit" seeking those damages.However, we will have no duty to defend the in-sured against any "suit" seeking damages for"bodily injury" or "property damage" to whichthis insurance does not apply. We may, at ourdiscretion, investigate any "occurrence" andsettle any claim or "suit" that may result. But: (1) The amount we will pay for damages is

limited as described in Section III - LimitsOf Insurance; and

(2) Our right and duty to defend ends whenwe have used up the applicable limit of in-surance in the payment of judgments orsettlements under Coverages A or B ormedical expenses under Coverage C.

No other obligation or liability to pay sums orperform acts or services is covered unless ex-plicitly provided for under Supplementary Pay-ments - Coverages A and B.

b. This insurance applies to "bodily injury" and"property damage" only if: (1) The "bodily injury" or "property damage" is

caused by an "occurrence" that takesplace in the "coverage territory";

(2) The "bodily injury" or "property damage"occurs during the policy period; and

(3) Prior to the policy period, no insured listedunder Paragraph 1. of Section II - Who IsAn Insured and no "employee" authorizedby you to give or receive notice of an "oc-currence" or claim, knew that the "bodilyinjury" or "property damage" had oc-curred, in whole or in part. If such a listedinsured or authorized "employee" knew,prior to the policy period, that the "bodilyinjury" or "property damage" occurred,then any continuation, change or resump-tion of such "bodily injury" or "propertydamage" during or after the policy periodwill be deemed to have been known priorto the policy period.

c. "Bodily injury" or "property damage" whichoccurs during the policy period and was not,prior to the policy period, known to have oc-curred by any insured listed under Para-graph 1. of Section II - Who Is An Insured orany "employee" authorized by you to give orreceive notice of an "occurrence" or claim, in-cludes any continuation, change or resump-tion of that "bodily injury" or "property damage"after the end of the policy period.

d. "Bodily injury" or "property damage" will bedeemed to have been known to have occurredat the earliest time when any insured listedunder Paragraph 1. of Section II - Who Is AnInsured or any "employee" authorized by youto give or receive notice of an "occurrence" orclaim:(1) Reports all, or any part, of the "bodily in-

jury" or "property damage" to us or anyother insurer;

(2) Receives a written or verbal demand orclaim for damages because of the "bodilyinjury" or "property damage"; or

(3) Becomes aware by any other means that"bodily injury" or "property damage" hasoccurred or has begun to occur.

COMMERCIAL GENERAL LIABILITYCG 00 01 12 07

COMMERCIAL GENERAL LIABILITY COVERAGE FORM

Various provisions in this policy restrict coverage. Readthe entire policy carefully to determine rights, dutiesand what is and is not covered. Throughout this policy the words "you" and "your"refer to the Named Insured shown in the Declarations,and any other person or organization qualifying asa Named Insured under this policy. The words "we","us" and "our" refer to the company providing thisinsurance.The word "insured" means any person or organizationqualifying as such under Section II - Who Is An Insured. Other words and phrases that appear in quotationmarks have special meaning. Refer to Section V -Definitions.SECTION I - COVERAGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY 1. Insuring Agreement

a. We will pay those sums that the insured be-comes legally obligated to pay as damagesbecause of "bodily injury" or "property dam-age" to which this insurance applies. We willhave the right and duty to defend the insuredagainst any "suit" seeking those damages.However, we will have no duty to defend the in-sured against any "suit" seeking damages for"bodily injury" or "property damage" to whichthis insurance does not apply. We may, at ourdiscretion, investigate any "occurrence" andsettle any claim or "suit" that may result. But: (1) The amount we will pay for damages is

limited as described in Section III - LimitsOf Insurance; and

(2) Our right and duty to defend ends whenwe have used up the applicable limit of in-surance in the payment of judgments orsettlements under Coverages A or B ormedical expenses under Coverage C.

No other obligation or liability to pay sums orperform acts or services is covered unless ex-plicitly provided for under Supplementary Pay-ments - Coverages A and B.

b. This insurance applies to "bodily injury" and"property damage" only if: (1) The "bodily injury" or "property damage" is

caused by an "occurrence" that takesplace in the "coverage territory";

(2) The "bodily injury" or "property damage"occurs during the policy period; and

(3) Prior to the policy period, no insured listedunder Paragraph 1. of Section II - Who IsAn Insured and no "employee" authorizedby you to give or receive notice of an "oc-currence" or claim, knew that the "bodilyinjury" or "property damage" had oc-curred, in whole or in part. If such a listedinsured or authorized "employee" knew,prior to the policy period, that the "bodilyinjury" or "property damage" occurred,then any continuation, change or resump-tion of such "bodily injury" or "propertydamage" during or after the policy periodwill be deemed to have been known priorto the policy period.

c. "Bodily injury" or "property damage" whichoccurs during the policy period and was not,prior to the policy period, known to have oc-curred by any insured listed under Para-graph 1. of Section II - Who Is An Insured orany "employee" authorized by you to give orreceive notice of an "occurrence" or claim, in-cludes any continuation, change or resump-tion of that "bodily injury" or "property damage"after the end of the policy period.

d. "Bodily injury" or "property damage" will bedeemed to have been known to have occurredat the earliest time when any insured listedunder Paragraph 1. of Section II - Who Is AnInsured or any "employee" authorized by youto give or receive notice of an "occurrence" orclaim:(1) Reports all, or any part, of the "bodily in-

jury" or "property damage" to us or anyother insurer;

(2) Receives a written or verbal demand orclaim for damages because of the "bodilyinjury" or "property damage"; or

(3) Becomes aware by any other means that"bodily injury" or "property damage" hasoccurred or has begun to occur.

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Copyright, ISO Properties, Inc., 2006 CG 00 01 12 07Page 2 of 16 Copyright, ISO Properties, Inc., 2006 CG 00 01 12 07Page 2 of 16

e. Damages because of "bodily injury" includedamages claimed by any person or organiza-tion for care, loss of services or death resultingat any time from the "bodily injury".

2. ExclusionsThis 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 "bodily injury"resulting from the use of reasonable force toprotect persons or property.

b. Contractual Liability "Bodily injury" or "property damage" for whichthe insured is obligated to pay damages byreason of the assumption of liability in a con-tract or agreement. This exclusion does notapply to liability for damages: (1) That the insured would have in the ab-

sence of the contract or agreement; or (2) Assumed in a contract or agreement that

is an "insured contract", provided the "bod-ily injury" or "property damage" occurssubsequent to the execution of the con-tract or agreement. Solely for the purposesof liability assumed in an "insuredcontract", reasonable attorney fees andnecessary litigation expenses incurred byor for a party other than an insured aredeemed to be damages because of "bodilyinjury" or "property damage", provided: (a) Liability to such party for, or for the

cost of, that party's defense has alsobeen assumed in the same "insuredcontract"; and

(b) Such attorney fees and litigation ex-penses are for defense of that partyagainst a civil or alternative disputeresolution proceeding in which dam-ages to which this insurance appliesare alleged.

c. Liquor Liability "Bodily injury" or "property damage" for whichany insured may be held liable by reason of: (1) Causing or contributing to the intoxication

of any person; (2) The furnishing of alcoholic beverages to a

person under the legal drinking age orunder the influence of alcohol; or

(3) Any statute, ordinance or regulation relat-ing to the sale, gift, distribution or use of al-coholic beverages.

This exclusion applies only if you are in thebusiness of manufacturing, distributing, sell-ing, serving or furnishing alcoholic beverages.

d. Workers' Compensation And Similar Laws Any obligation of the insured under a workers'compensation, disability benefits or unemploy-ment compensation law or any similar law.

e. Employer's Liability "Bodily injury" to: (1) An "employee" of the insured arising out of

and in the course of: (a) Employment by the insured; or (b) Performing duties related to the con-

duct of the insured's business; or (2) The spouse, child, parent, brother or sister

of that "employee" as a consequence ofParagraph (1) above.

This exclusion applies whether the insuredmay be liable as an employer or in any othercapacity and to any obligation to share dam-ages with or repay someone else who mustpay damages because of the injury.This exclusion does not apply to liability as-sumed by the insured under an "insuredcontract".

e. Damages because of "bodily injury" includedamages claimed by any person or organiza-tion for care, loss of services or death resultingat any time from the "bodily injury".

2. ExclusionsThis 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 "bodily injury"resulting from the use of reasonable force toprotect persons or property.

b. Contractual Liability "Bodily injury" or "property damage" for whichthe insured is obligated to pay damages byreason of the assumption of liability in a con-tract or agreement. This exclusion does notapply to liability for damages: (1) That the insured would have in the ab-

sence of the contract or agreement; or (2) Assumed in a contract or agreement that

is an "insured contract", provided the "bod-ily injury" or "property damage" occurssubsequent to the execution of the con-tract or agreement. Solely for the purposesof liability assumed in an "insuredcontract", reasonable attorney fees andnecessary litigation expenses incurred byor for a party other than an insured aredeemed to be damages because of "bodilyinjury" or "property damage", provided: (a) Liability to such party for, or for the

cost of, that party's defense has alsobeen assumed in the same "insuredcontract"; and

(b) Such attorney fees and litigation ex-penses are for defense of that partyagainst a civil or alternative disputeresolution proceeding in which dam-ages to which this insurance appliesare alleged.

c. Liquor Liability "Bodily injury" or "property damage" for whichany insured may be held liable by reason of: (1) Causing or contributing to the intoxication

of any person; (2) The furnishing of alcoholic beverages to a

person under the legal drinking age orunder the influence of alcohol; or

(3) Any statute, ordinance or regulation relat-ing to the sale, gift, distribution or use of al-coholic beverages.

This exclusion applies only if you are in thebusiness of manufacturing, distributing, sell-ing, serving or furnishing alcoholic beverages.

d. Workers' Compensation And Similar Laws Any obligation of the insured under a workers'compensation, disability benefits or unemploy-ment compensation law or any similar law.

e. Employer's Liability "Bodily injury" to: (1) An "employee" of the insured arising out of

and in the course of: (a) Employment by the insured; or (b) Performing duties related to the con-

duct of the insured's business; or (2) The spouse, child, parent, brother or sister

of that "employee" as a consequence ofParagraph (1) above.

This exclusion applies whether the insuredmay be liable as an employer or in any othercapacity and to any obligation to share dam-ages with or repay someone else who mustpay damages because of the injury.This exclusion does not apply to liability as-sumed by the insured under an "insuredcontract".

SAMPLE

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Copyright, ISO Properties, Inc., 2006CG 00 01 12 07 Page 3 of 16Copyright, ISO Properties, Inc., 2006CG 00 01 12 07 Page 3 of 16

f. Pollution(1) "Bodily injury" or "property damage" aris-

ing out of the actual, alleged or threateneddischarge, dispersal, seepage, migration,release or escape of "pollutants":(a) At or from any premises, site or loca-

tion which is or was at any time ownedor occupied by, or rented or loaned to,any insured. However, this subpara-graph does not apply to:(i) "Bodily injury" if sustained within a

building and caused by smoke,fumes, vapor or soot produced byor originating from equipment thatis used to heat, cool or dehumidifythe building, or equipment that isused to heat water for personaluse, by the building's occupantsor their guests;

(ii) "Bodily injury" or "property dam-age" for which you may be heldliable, if you are a contractor andthe owner or lessee of such prem-ises, site or location has beenadded to your policy as an addi-tional insured with respect to yourongoing operations performed forthat additional insured at thatpremises, site or location and suchpremises, site or location is notand never was owned or occupiedby, or rented or loaned to, any in-sured, other than that additional in-sured; or

(iii) "Bodily injury" or "property dam-age" arising out of heat, smoke orfumes from a "hostile fire";

(b) At or from any premises, site or loca-tion which is or was at any time usedby or for any insured or others for thehandling, storage, disposal, process-ing or treatment of waste;

(c) Which are or were at any time trans-ported, handled, stored, treated, dis-posed of, or processed as waste by orfor:(i) Any insured; or (ii) Any person or organization for

whom you may be legally respon-sible; or

(d) At or from any premises, site or loca-tion on which any insured or any con-tractors or subcontractors workingdirectly or indirectly on any insured'sbehalf are performing operations if the"pollutants" are brought on or to thepremises, site or location in connec-tion with such operations by such in-sured, contractor or subcontractor.However, this subparagraph does notapply to: (i) "Bodily injury" or "property dam-

age" arising out of the escape offuels, lubricants or other operatingfluids which are needed to per-form the normal electrical, hy-draulic or mechanical functionsnecessary for the operation of"mobile equipment" or its parts, ifsuch fuels, lubricants or other op-erating fluids escape from a ve-hicle part designed to hold, storeor receive them. This exceptiondoes not apply if the "bodily injury"or "property damage" arises out ofthe intentional discharge, disper-sal or release of the fuels, lubri-cants or other operating fluids, orif such fuels, lubricants or otheroperating fluids are brought on orto the premises, site or locationwith the intent that they be dis-charged, dispersed or released aspart of the operations being per-formed by such insured, contrac-tor or subcontractor;

(ii) "Bodily injury" or "property dam-age" sustained within a buildingand caused by the release ofgases, fumes or vapors from ma-terials brought into that building inconnection with operations beingperformed by you or on your be-half by a contractor or subcon-tractor; or

(iii) "Bodily injury" or "property dam-age" arising out of heat, smoke orfumes from a "hostile fire".

(e) At or from any premises, site or loca-tion on which any insured or any con-tractors or subcontractors workingdirectly or indirectly on any insured'sbehalf are performing operations if theoperations are to test for, monitor,clean up, remove, contain, treat, de-toxify or neutralize, or in any wayrespond to, or assess the effects of,"pollutants".

f. Pollution(1) "Bodily injury" or "property damage" aris-

ing out of the actual, alleged or threateneddischarge, dispersal, seepage, migration,release or escape of "pollutants":(a) At or from any premises, site or loca-

tion which is or was at any time ownedor occupied by, or rented or loaned to,any insured. However, this subpara-graph does not apply to:(i) "Bodily injury" if sustained within a

building and caused by smoke,fumes, vapor or soot produced byor originating from equipment thatis used to heat, cool or dehumidifythe building, or equipment that isused to heat water for personaluse, by the building's occupantsor their guests;

(ii) "Bodily injury" or "property dam-age" for which you may be heldliable, if you are a contractor andthe owner or lessee of such prem-ises, site or location has beenadded to your policy as an addi-tional insured with respect to yourongoing operations performed forthat additional insured at thatpremises, site or location and suchpremises, site or location is notand never was owned or occupiedby, or rented or loaned to, any in-sured, other than that additional in-sured; or

(iii) "Bodily injury" or "property dam-age" arising out of heat, smoke orfumes from a "hostile fire";

(b) At or from any premises, site or loca-tion which is or was at any time usedby or for any insured or others for thehandling, storage, disposal, process-ing or treatment of waste;

(c) Which are or were at any time trans-ported, handled, stored, treated, dis-posed of, or processed as waste by orfor:(i) Any insured; or (ii) Any person or organization for

whom you may be legally respon-sible; or

(d) At or from any premises, site or loca-tion on which any insured or any con-tractors or subcontractors workingdirectly or indirectly on any insured'sbehalf are performing operations if the"pollutants" are brought on or to thepremises, site or location in connec-tion with such operations by such in-sured, contractor or subcontractor.However, this subparagraph does notapply to: (i) "Bodily injury" or "property dam-

age" arising out of the escape offuels, lubricants or other operatingfluids which are needed to per-form the normal electrical, hy-draulic or mechanical functionsnecessary for the operation of"mobile equipment" or its parts, ifsuch fuels, lubricants or other op-erating fluids escape from a ve-hicle part designed to hold, storeor receive them. This exceptiondoes not apply if the "bodily injury"or "property damage" arises out ofthe intentional discharge, disper-sal or release of the fuels, lubri-cants or other operating fluids, orif such fuels, lubricants or otheroperating fluids are brought on orto the premises, site or locationwith the intent that they be dis-charged, dispersed or released aspart of the operations being per-formed by such insured, contrac-tor or subcontractor;

(ii) "Bodily injury" or "property dam-age" sustained within a buildingand caused by the release ofgases, fumes or vapors from ma-terials brought into that building inconnection with operations beingperformed by you or on your be-half by a contractor or subcon-tractor; or

(iii) "Bodily injury" or "property dam-age" arising out of heat, smoke orfumes from a "hostile fire".

(e) At or from any premises, site or loca-tion on which any insured or any con-tractors or subcontractors workingdirectly or indirectly on any insured'sbehalf are performing operations if theoperations are to test for, monitor,clean up, remove, contain, treat, de-toxify or neutralize, or in any wayrespond to, or assess the effects of,"pollutants".

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Copyright, ISO Properties, Inc., 2006 CG 00 01 12 07Page 4 of 16 Copyright, ISO Properties, Inc., 2006 CG 00 01 12 07Page 4 of 16

(2) Any loss, cost or expense arising out ofany:(a) Request, demand, order or statutory

or regulatory requirement that any in-sured or others test for, monitor, cleanup, remove, contain, treat, detoxify orneutralize, or in any way respond to,or assess the effects of, "pollutants"; or

(b) Claim or "suit" by or on behalf of agovernmental authority for damagesbecause of testing for, monitoring,cleaning up, removing, containing,treating, detoxifying or neutralizing, orin any way responding to, or assess-ing the effects of, "pollutants".

However, this paragraph does not apply toliability for damages because of "propertydamage" that the insured would have inthe absence of such request, demand, or-der or statutory or regulatory requirement,or such claim or "suit" by or on behalf of agovernmental authority.

g. Aircraft, Auto Or Watercraft "Bodily injury" or "property damage" arising outof the ownership, maintenance, use or entrust-ment to others of any aircraft, "auto" or water-craft owned or operated by or rented or loanedto any insured. Use includes operation and"loading or unloading". This exclusion applies even if the claimsagainst any insured allege negligence or otherwrongdoing in the supervision, hiring, employ-ment, training or monitoring of others by thatinsured, if the "occurrence" which caused the"bodily injury" or "property damage" involvedthe ownership, maintenance, use or entrust-ment to others of any aircraft, "auto" or water-craft that is owned or operated by or rented orloaned to any insured.This exclusion does not apply to: (1) A watercraft while ashore on premises you

own or rent; (2) A watercraft you do not own that is:

(a) Less than 26 feet long; and (b) Not being used to carry persons or

property for a charge; (3) Parking an "auto" on, or on the ways next

to, premises you own or rent, provided the"auto" is not owned by or rented or loanedto you or the insured;

(4) Liability assumed under any "insured con-tract" for the ownership, maintenance oruse of aircraft or watercraft; or

(5) "Bodily injury" or "property damage" aris-ing out of: (a) The operation of machinery or equip-

ment that is attached to, or part of, aland vehicle that would qualify underthe definition of "mobile equipment" ifit were not subject to a compulsory orfinancial responsibility law or othermotor vehicle insurance law in thestate where it is licensed or principallygaraged; or

(b) the operation of any of the machineryor equipment listed in Paragraph f.(2)or f.(3) of the definition of "mobileequipment".

h. Mobile Equipment "Bodily injury" or "property damage" arising outof:(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, or whilein practice for, or while being prepared for,any prearranged racing, speed, demoli-tion, or stunting activity.

i. War"Bodily injury" or "property damage", howevercaused, arising, directly or indirectly, out of:(1) War, including undeclared or civil war;(2) Warlike action by a military force, including

action in hindering or defending against anactual or expected attack, by any govern-ment, sovereign or other authority usingmilitary personnel or other agents; or

(3) Insurrection, rebellion, revolution, usurpedpower, or action taken by governmentalauthority in hindering or defending againstany of these.

j. Damage To Property "Property damage" to: (1) Property you own, rent, or occupy, includ-

ing any costs or expenses incurred byyou, or any other person, organization orentity, for repair, replacement, enhance-ment, restoration or maintenance of suchproperty for any reason, including preven-tion of injury to a person or damage to an-other'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 or

control of the insured;

(2) Any loss, cost or expense arising out ofany:(a) Request, demand, order or statutory

or regulatory requirement that any in-sured or others test for, monitor, cleanup, remove, contain, treat, detoxify orneutralize, or in any way respond to,or assess the effects of, "pollutants"; or

(b) Claim or "suit" by or on behalf of agovernmental authority for damagesbecause of testing for, monitoring,cleaning up, removing, containing,treating, detoxifying or neutralizing, orin any way responding to, or assess-ing the effects of, "pollutants".

However, this paragraph does not apply toliability for damages because of "propertydamage" that the insured would have inthe absence of such request, demand, or-der or statutory or regulatory requirement,or such claim or "suit" by or on behalf of agovernmental authority.

g. Aircraft, Auto Or Watercraft "Bodily injury" or "property damage" arising outof the ownership, maintenance, use or entrust-ment to others of any aircraft, "auto" or water-craft owned or operated by or rented or loanedto any insured. Use includes operation and"loading or unloading". This exclusion applies even if the claimsagainst any insured allege negligence or otherwrongdoing in the supervision, hiring, employ-ment, training or monitoring of others by thatinsured, if the "occurrence" which caused the"bodily injury" or "property damage" involvedthe ownership, maintenance, use or entrust-ment to others of any aircraft, "auto" or water-craft that is owned or operated by or rented orloaned to any insured.This exclusion does not apply to: (1) A watercraft while ashore on premises you

own or rent; (2) A watercraft you do not own that is:

(a) Less than 26 feet long; and (b) Not being used to carry persons or

property for a charge; (3) Parking an "auto" on, or on the ways next

to, premises you own or rent, provided the"auto" is not owned by or rented or loanedto you or the insured;

(4) Liability assumed under any "insured con-tract" for the ownership, maintenance oruse of aircraft or watercraft; or

(5) "Bodily injury" or "property damage" aris-ing out of: (a) The operation of machinery or equip-

ment that is attached to, or part of, aland vehicle that would qualify underthe definition of "mobile equipment" ifit were not subject to a compulsory orfinancial responsibility law or othermotor vehicle insurance law in thestate where it is licensed or principallygaraged; or

(b) the operation of any of the machineryor equipment listed in Paragraph f.(2)or f.(3) of the definition of "mobileequipment".

h. Mobile Equipment "Bodily injury" or "property damage" arising outof:(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, or whilein practice for, or while being prepared for,any prearranged racing, speed, demoli-tion, or stunting activity.

i. War"Bodily injury" or "property damage", howevercaused, arising, directly or indirectly, out of:(1) War, including undeclared or civil war;(2) Warlike action by a military force, including

action in hindering or defending against anactual or expected attack, by any govern-ment, sovereign or other authority usingmilitary personnel or other agents; or

(3) Insurrection, rebellion, revolution, usurpedpower, or action taken by governmentalauthority in hindering or defending againstany of these.

j. Damage To Property "Property damage" to: (1) Property you own, rent, or occupy, includ-

ing any costs or expenses incurred byyou, or any other person, organization orentity, for repair, replacement, enhance-ment, restoration or maintenance of suchproperty for any reason, including preven-tion of injury to a person or damage to an-other'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 or

control of the insured;

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Copyright, ISO Properties, Inc., 2006CG 00 01 12 07 Page 5 of 16Copyright, ISO Properties, Inc., 2006CG 00 01 12 07 Page 5 of 16

(5) That particular part of real property onwhich you or any contractors or subcon-tractors working directly or indirectly onyour behalf are performing operations, ifthe "property damage" arises out of thoseoperations; or

(6) That particular part of any property thatmust be restored, repaired or replaced be-cause "your work" was incorrectly per-formed on it.

Paragraphs (1), (3) and (4) of this exclusiondo not apply to "property damage" (other thandamage by fire) to premises, including thecontents of such premises, rented to you for aperiod of 7 or fewer consecutive days. A sepa-rate limit of insurance applies to Damage ToPremises Rented To You as described in Sec-tion III - Limits Of Insurance.Paragraph (2) of this exclusion does not applyif the premises are "your work" and were neveroccupied, rented or held for rental by you. Paragraphs (3), (4), (5) and (6) of this exclu-sion do not apply to liability assumed under asidetrack agreement. Paragraph (6) of this exclusion does not applyto "property damage" included in the "prod-ucts-completed operations hazard".

k. Damage To Your Product "Property damage" to "your product" arisingout of it or any part of it.

l. Damage To Your Work "Property damage" to "your work" arising out ofit or any part of it and included in the "prod-ucts-completed operations hazard". This exclusion does not apply if the damagedwork or the work out of which the damagearises was performed on your behalf by asubcontractor.

m. Damage To Impaired Property Or Property Not Physically Injured "Property damage" to "impaired property" orproperty that has not been physically injured,arising out of: (1) A defect, deficiency, inadequacy or dan-

gerous condition in "your product" or "yourwork"; or

(2) A delay or failure by you or anyone actingon your behalf to perform a contract oragreement in accordance with its terms.

This exclusion does not apply to the loss ofuse of other property arising out of sudden andaccidental physical injury to "your product" or"your work" after it has been put to its intendeduse.

n. Recall Of Products, Work Or Impaired PropertyDamages claimed for any loss, cost or ex-pense incurred by you or others for the loss ofuse, withdrawal, recall, inspection, repair, re-placement, adjustment, removal or disposal of: (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 anyperson or organization because of a known orsuspected defect, deficiency, inadequacy ordangerous condition in it.

o. Personal And Advertising Injury"Bodily injury" arising out of "personal and ad-vertising injury".

p. Electronic DataDamages arising out of the loss of, loss of useof, damage to, corruption of, inability to ac-cess, or inability to manipulate electronic data. As used in this exclusion, electronic datameans information, facts or programs storedas or on, created or used on, or transmitted toor from computer software, including systemsand applications software, hard or floppydisks, CD-ROMS, tapes, drives, cells, dataprocessing devices or any other media whichare used with electronically controlledequipment.

q. Distribution Of Material In Violation Of Statutes"Bodily injury" or "property damage" arising di-rectly or indirectly out of any action or omis-sion that violates or is alleged to violate:(1) The Telephone Consumer Protection Act

(TCPA), including any amendment of oraddition to such law; or

(2) The CAN-SPAM Act of 2003, including anyamendment of or addition to such law; or

(3) Any statute, ordinance or regulation, otherthan the TCPA or CAN-SPAM Act of 2003,that prohibits or limits the sending, trans-mitting, communicating or distribution ofmaterial or information.

(5) That particular part of real property onwhich you or any contractors or subcon-tractors working directly or indirectly onyour behalf are performing operations, ifthe "property damage" arises out of thoseoperations; or

(6) That particular part of any property thatmust be restored, repaired or replaced be-cause "your work" was incorrectly per-formed on it.

Paragraphs (1), (3) and (4) of this exclusiondo not apply to "property damage" (other thandamage by fire) to premises, including thecontents of such premises, rented to you for aperiod of 7 or fewer consecutive days. A sepa-rate limit of insurance applies to Damage ToPremises Rented To You as described in Sec-tion III - Limits Of Insurance.Paragraph (2) of this exclusion does not applyif the premises are "your work" and were neveroccupied, rented or held for rental by you. Paragraphs (3), (4), (5) and (6) of this exclu-sion do not apply to liability assumed under asidetrack agreement. Paragraph (6) of this exclusion does not applyto "property damage" included in the "prod-ucts-completed operations hazard".

k. Damage To Your Product "Property damage" to "your product" arisingout of it or any part of it.

l. Damage To Your Work "Property damage" to "your work" arising out ofit or any part of it and included in the "prod-ucts-completed operations hazard". This exclusion does not apply if the damagedwork or the work out of which the damagearises was performed on your behalf by asubcontractor.

m. Damage To Impaired Property Or Property Not Physically Injured "Property damage" to "impaired property" orproperty that has not been physically injured,arising out of: (1) A defect, deficiency, inadequacy or dan-

gerous condition in "your product" or "yourwork"; or

(2) A delay or failure by you or anyone actingon your behalf to perform a contract oragreement in accordance with its terms.

This exclusion does not apply to the loss ofuse of other property arising out of sudden andaccidental physical injury to "your product" or"your work" after it has been put to its intendeduse.

n. Recall Of Products, Work Or Impaired PropertyDamages claimed for any loss, cost or ex-pense incurred by you or others for the loss ofuse, withdrawal, recall, inspection, repair, re-placement, adjustment, removal or disposal of: (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 anyperson or organization because of a known orsuspected defect, deficiency, inadequacy ordangerous condition in it.

o. Personal And Advertising Injury"Bodily injury" arising out of "personal and ad-vertising injury".

p. Electronic DataDamages arising out of the loss of, loss of useof, damage to, corruption of, inability to ac-cess, or inability to manipulate electronic data. As used in this exclusion, electronic datameans information, facts or programs storedas or on, created or used on, or transmitted toor from computer software, including systemsand applications software, hard or floppydisks, CD-ROMS, tapes, drives, cells, dataprocessing devices or any other media whichare used with electronically controlledequipment.

q. Distribution Of Material In Violation Of Statutes"Bodily injury" or "property damage" arising di-rectly or indirectly out of any action or omis-sion that violates or is alleged to violate:(1) The Telephone Consumer Protection Act

(TCPA), including any amendment of oraddition to such law; or

(2) The CAN-SPAM Act of 2003, including anyamendment of or addition to such law; or

(3) Any statute, ordinance or regulation, otherthan the TCPA or CAN-SPAM Act of 2003,that prohibits or limits the sending, trans-mitting, communicating or distribution ofmaterial or information.

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Copyright, ISO Properties, Inc., 2006 CG 00 01 12 07Page 6 of 16 Copyright, ISO Properties, Inc., 2006 CG 00 01 12 07Page 6 of 16

Exclusions c. through n. do not apply to dam-age by fire to premises while rented to you ortemporarily occupied by you with permissionof the owner. A separate limit of insurance ap-plies to this coverage as described in Sec-tion III - Limits Of Insurance.

COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY 1. Insuring Agreement

a. We will pay those sums that the insured be-comes legally obligated to pay as damagesbecause of "personal and advertising injury" towhich this insurance applies. We will have theright and duty to defend the insured againstany "suit" seeking those damages. However,we will have no duty to defend the insuredagainst any "suit" seeking damages for "per-sonal and advertising injury" to which thisinsurance does not apply. We may, at our dis-cretion, investigate any offense and settle anyclaim or "suit" that may result. But: (1) The amount we will pay for damages is

limited as described in Section III - LimitsOf Insurance; and

(2) Our right and duty to defend end when wehave used up the applicable limit of insur-ance in the payment of judgments orsettlements under Coverages A or B ormedical expenses under Coverage C.

No other obligation or liability to pay sums orperform acts or services is covered unless ex-plicitly provided for under Supplementary Pay-ments - Coverages A and B.

b. This insurance applies to "personal and adver-tising injury" caused by an offense arising outof your business but only if the offense wascommitted in the "coverage territory" duringthe policy period.

2. ExclusionsThis insurance does not apply to: a. Knowing Violation Of Rights Of Another

"Personal and advertising injury" caused by orat the direction of the insured with the knowl-edge that the act would violate the rights ofanother and would inflict "personal and adver-tising injury".

b. Material Published With Knowledge Of Falsity"Personal and advertising injury" arising out oforal or written publication of material, if doneby or at the direction of the insured with knowl-edge of its falsity.

c. Material Published Prior To Policy Period"Personal and advertising injury" arising out oforal or written publication of material whosefirst publication took place before the begin-ning of the policy period.

d. Criminal Acts"Personal and advertising injury" arising out ofa criminal act committed by or at the directionof the insured.

e. Contractual Liability"Personal and advertising injury" for which theinsured has assumed liability in a contract oragreement. This exclusion does not apply toliability for damages that the insured wouldhave in the absence of the contract oragreement.

f. Breach Of Contract"Personal and advertising injury" arising out ofa breach of contract, except an implied con-tract to use another's advertising idea in your"advertisement".

g. Quality Or Performance Of Goods - FailureTo Conform To Statements"Personal and advertising injury" arising out ofthe failure of goods, products or services toconform with any statement of quality or per-formance made in your "advertisement".

h. Wrong Description Of Prices"Personal and advertising injury" arising outof the wrong description of the price ofgoods, products or services stated in your"advertisement".

i. Infringement Of Copyright, Patent,Trademark Or Trade Secret"Personal and advertising injury" arising out ofthe infringement of copyright, patent, trade-mark, trade secret or other intellectual prop-erty rights. Under this exclusion, such otherintellectual property rights do not include theuse of another's advertising idea in your"advertisement".However, this exclusion does not apply to in-fringement, in your "advertisement", of copy-right, trade dress or slogan.

j. Insureds In Media And Internet Type Businesses"Personal and advertising injury" committed byan insured whose business is:(1) Advertising, broadcasting, publishing or

telecasting;(2) Designing or determining content of

web-sites for others; or

Exclusions c. through n. do not apply to dam-age by fire to premises while rented to you ortemporarily occupied by you with permissionof the owner. A separate limit of insurance ap-plies to this coverage as described in Sec-tion III - Limits Of Insurance.

COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY 1. Insuring Agreement

a. We will pay those sums that the insured be-comes legally obligated to pay as damagesbecause of "personal and advertising injury" towhich this insurance applies. We will have theright and duty to defend the insured againstany "suit" seeking those damages. However,we will have no duty to defend the insuredagainst any "suit" seeking damages for "per-sonal and advertising injury" to which thisinsurance does not apply. We may, at our dis-cretion, investigate any offense and settle anyclaim or "suit" that may result. But: (1) The amount we will pay for damages is

limited as described in Section III - LimitsOf Insurance; and

(2) Our right and duty to defend end when wehave used up the applicable limit of insur-ance in the payment of judgments orsettlements under Coverages A or B ormedical expenses under Coverage C.

No other obligation or liability to pay sums orperform acts or services is covered unless ex-plicitly provided for under Supplementary Pay-ments - Coverages A and B.

b. This insurance applies to "personal and adver-tising injury" caused by an offense arising outof your business but only if the offense wascommitted in the "coverage territory" duringthe policy period.

2. ExclusionsThis insurance does not apply to: a. Knowing Violation Of Rights Of Another

"Personal and advertising injury" caused by orat the direction of the insured with the knowl-edge that the act would violate the rights ofanother and would inflict "personal and adver-tising injury".

b. Material Published With Knowledge Of Falsity"Personal and advertising injury" arising out oforal or written publication of material, if doneby or at the direction of the insured with knowl-edge of its falsity.

c. Material Published Prior To Policy Period"Personal and advertising injury" arising out oforal or written publication of material whosefirst publication took place before the begin-ning of the policy period.

d. Criminal Acts"Personal and advertising injury" arising out ofa criminal act committed by or at the directionof the insured.

e. Contractual Liability"Personal and advertising injury" for which theinsured has assumed liability in a contract oragreement. This exclusion does not apply toliability for damages that the insured wouldhave in the absence of the contract oragreement.

f. Breach Of Contract"Personal and advertising injury" arising out ofa breach of contract, except an implied con-tract to use another's advertising idea in your"advertisement".

g. Quality Or Performance Of Goods - FailureTo Conform To Statements"Personal and advertising injury" arising out ofthe failure of goods, products or services toconform with any statement of quality or per-formance made in your "advertisement".

h. Wrong Description Of Prices"Personal and advertising injury" arising outof the wrong description of the price ofgoods, products or services stated in your"advertisement".

i. Infringement Of Copyright, Patent,Trademark Or Trade Secret"Personal and advertising injury" arising out ofthe infringement of copyright, patent, trade-mark, trade secret or other intellectual prop-erty rights. Under this exclusion, such otherintellectual property rights do not include theuse of another's advertising idea in your"advertisement".However, this exclusion does not apply to in-fringement, in your "advertisement", of copy-right, trade dress or slogan.

j. Insureds In Media And Internet Type Businesses"Personal and advertising injury" committed byan insured whose business is:(1) Advertising, broadcasting, publishing or

telecasting;(2) Designing or determining content of

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Copyright, ISO Properties, Inc., 2006CG 00 01 12 07 Page 7 of 16Copyright, ISO Properties, Inc., 2006CG 00 01 12 07 Page 7 of 16

(3) An Internet search, access, content orservice provider.

However, this exclusion does not apply toParagraphs 14.a., b. and c. of "personal andadvertising injury" under the DefinitionsSection.For the purposes of this exclusion, the placingof frames, borders or links, or advertising, foryou or others anywhere on the Internet, is notby itself, considered the business of advertis-ing, broadcasting, publishing or telecasting.

k. Electronic Chatrooms Or Bulletin Boards"Personal and advertising injury" arising out ofan electronic chatroom or bulletin board the in-sured hosts, owns, or over which the insuredexercises control.

l. Unauthorized Use Of Another's Name Or Product"Personal and advertising injury" arising out ofthe unauthorized use of another's name orproduct in your e-mail address, domain nameor metatag, or any other similar tactics to mis-lead another's potential customers.

m. Pollution"Personal and advertising injury" arising out ofthe actual, alleged or threatened discharge,dispersal, seepage, migration, release or es-cape of "pollutants" at any time.

n. Pollution-RelatedAny loss, cost or expense arising out of any: (1) Request, demand, order or statutory or

regulatory requirement that any insured orothers test for, monitor, clean up, remove,contain, treat, detoxify or neutralize, or inany way respond to, or assess the effectsof, "pollutants"; or

(2) Claim or suit by or on behalf of a govern-mental authority for damages because oftesting for, monitoring, cleaning up, re-moving, containing, treating, detoxifying orneutralizing, or in any way responding to,or assessing the effects of, "pollutants".

o. War"Personal and advertising injury", howevercaused, arising, directly or indirectly, out of:(1) War, including undeclared or civil war;(2) Warlike action by a military force, including

action in hindering or defending against anactual or expected attack, by any govern-ment, sovereign or other authority usingmilitary personnel or other agents; or

(3) Insurrection, rebellion, revolution, usurpedpower, or action taken by governmentalauthority in hindering or defending againstany of these.

p. Distribution Of Material In Violation Of Statutes"Personal and advertising injury" arising di-rectly or indirectly out of any action or omis-sion that violates or is alleged to violate:(1) The Telephone Consumer Protection Act

(TCPA), including any amendment of oraddition to such law; or

(2) The CAN-SPAM Act of 2003, including anyamendment of or addition to such law; or

(3) Any statute, ordinance or regulation, otherthan the TCPA or CAN-SPAM Act of 2003,that prohibits or limits the sending, trans-mitting, communicating or distribution ofmaterial or information.

COVERAGE C MEDICAL PAYMENTS 1. Insuring Agreement

a. We will pay medical expenses as describedbelow for "bodily injury" caused by anaccident:(1) On premises you own or rent; (2) On ways next to premises you own or rent;

or(3) Because of your operations;provided that:

(a) The accident takes place in the "cover-age territory" and during the policyperiod;

(b) The expenses are incurred and re-ported to us within one year of thedate of the accident; and

(c) The injured person submits to exami-nation, at our expense, by physiciansof our choice as often as we reason-ably require.

b. We will make these payments regardless offault. These payments will not exceed the ap-plicable limit of insurance. We will pay reason-able expenses for: (1) First aid administered at the time of an

accident;(2) Necessary medical, surgical, x-ray and

dental services, including prosthetic devi-ces; and

(3) Necessary ambulance, hospital, profes-sional nursing and funeral services.

(3) An Internet search, access, content orservice provider.

However, this exclusion does not apply toParagraphs 14.a., b. and c. of "personal andadvertising injury" under the DefinitionsSection.For the purposes of this exclusion, the placingof frames, borders or links, or advertising, foryou or others anywhere on the Internet, is notby itself, considered the business of advertis-ing, broadcasting, publishing or telecasting.

k. Electronic Chatrooms Or Bulletin Boards"Personal and advertising injury" arising out ofan electronic chatroom or bulletin board the in-sured hosts, owns, or over which the insuredexercises control.

l. Unauthorized Use Of Another's Name Or Product"Personal and advertising injury" arising out ofthe unauthorized use of another's name orproduct in your e-mail address, domain nameor metatag, or any other similar tactics to mis-lead another's potential customers.

m. Pollution"Personal and advertising injury" arising out ofthe actual, alleged or threatened discharge,dispersal, seepage, migration, release or es-cape of "pollutants" at any time.

n. Pollution-RelatedAny loss, cost or expense arising out of any: (1) Request, demand, order or statutory or

regulatory requirement that any insured orothers test for, monitor, clean up, remove,contain, treat, detoxify or neutralize, or inany way respond to, or assess the effectsof, "pollutants"; or

(2) Claim or suit by or on behalf of a govern-mental authority for damages because oftesting for, monitoring, cleaning up, re-moving, containing, treating, detoxifying orneutralizing, or in any way responding to,or assessing the effects of, "pollutants".

o. War"Personal and advertising injury", howevercaused, arising, directly or indirectly, out of:(1) War, including undeclared or civil war;(2) Warlike action by a military force, including

action in hindering or defending against anactual or expected attack, by any govern-ment, sovereign or other authority usingmilitary personnel or other agents; or

(3) Insurrection, rebellion, revolution, usurpedpower, or action taken by governmentalauthority in hindering or defending againstany of these.

p. Distribution Of Material In Violation Of Statutes"Personal and advertising injury" arising di-rectly or indirectly out of any action or omis-sion that violates or is alleged to violate:(1) The Telephone Consumer Protection Act

(TCPA), including any amendment of oraddition to such law; or

(2) The CAN-SPAM Act of 2003, including anyamendment of or addition to such law; or

(3) Any statute, ordinance or regulation, otherthan the TCPA or CAN-SPAM Act of 2003,that prohibits or limits the sending, trans-mitting, communicating or distribution ofmaterial or information.

COVERAGE C MEDICAL PAYMENTS 1. Insuring Agreement

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(b) The expenses are incurred and re-ported to us within one year of thedate of the accident; and

(c) The injured person submits to exami-nation, at our expense, by physiciansof our choice as often as we reason-ably require.

b. We will make these payments regardless offault. These payments will not exceed the ap-plicable limit of insurance. We will pay reason-able expenses for: (1) First aid administered at the time of an

accident;(2) Necessary medical, surgical, x-ray and

dental services, including prosthetic devi-ces; and

(3) Necessary ambulance, hospital, profes-sional nursing and funeral services.

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Copyright, ISO Properties, Inc., 2006 CG 00 01 12 07Page 8 of 16 Copyright, ISO Properties, Inc., 2006 CG 00 01 12 07Page 8 of 16

2. ExclusionsWe will not pay expenses for "bodily injury": a. Any Insured

To any insured, except "volunteer workers". b. Hired Person

To a person hired to do work for or on behalfof any insured or a tenant of any insured.

c. Injury On Normally Occupied PremisesTo a person injured on that part of premisesyou own or rent that the person normallyoccupies.

d. Workers Compensation And Similar LawsTo a person, whether or not an "employee" ofany insured, if benefits for the "bodily injury"are payable or must be provided under a work-ers' compensation or disability benefits law ora similar law.

e. Athletics ActivitiesTo a person injured while practicing, instruct-ing or participating in any physical exercises orgames, sports, or athletic contests.

f. Products-Completed Operations HazardIncluded within the "products-completed oper-ations hazard".

g. Coverage A ExclusionsExcluded under Coverage A.

SUPPLEMENTARY PAYMENTS - COVERAGES A AND B 1. We will pay, with respect to any claim we investi-

gate or settle, or any "suit" against an insured wedefend:a. All expenses we incur. b. Up to $250 for cost of bail bonds required be-

cause of accidents or traffic law violations aris-ing out of the use of any vehicle to which theBodily Injury Liability Coverage applies. We donot have to furnish these bonds.

c. The cost of bonds to release attachments, butonly for bond amounts within the applicablelimit of insurance. We do not have to furnishthese bonds.

d. All reasonable expenses incurred by theinsured at our request to assist us in the inves-tigation or defense of the claim or "suit", includ-ing actual loss of earnings up to $250 a daybecause of time off from work.

e. All court costs taxed against the insured in the"suit". However, these payments do not in-clude attorneys' fees or attorneys' expensestaxed against the insured.

f. Prejudgment interest awarded against the in-sured on that part of the judgment we pay. Ifwe make an offer to pay the applicable limit ofinsurance, we will not pay any prejudgment in-terest based on that period of time after theoffer.

g. All interest on the full amount of any judgmentthat accrues after entry of the judgment andbefore we have paid, offered to pay, or depos-ited in court the part of the judgment that iswithin the applicable limit of insurance.

These payments will not reduce the limits ofinsurance.

2. If we defend an insured against a "suit" and an in-demnitee of the insured is also named as a party tothe "suit", we will defend that indemnitee if all of thefollowing conditions are met: a. The "suit" against the indemnitee seeks dam-

ages for which the insured has assumed theliability of the indemnitee in a contract oragreement that is an "insured contract";

b. This insurance applies to such liability as-sumed by the insured;

c. The obligation to defend, or the cost of the de-fense of, that indemnitee, has also been as-sumed by the insured in the same "insuredcontract";

d. The allegations in the "suit" and the informationwe know about the "occurrence" are such thatno conflict appears to exist between the inter-ests of the insured and the interests of theindemnitee;

e. The indemnitee and the insured ask us to con-duct and control the defense of that indem-nitee against such "suit" and agree that we canassign the same counsel to defend the insuredand the indemnitee; and

f. The indemnitee:(1) Agrees in writing to:

(a) Cooperate with us in the investigation,settlement or defense of hte "suit";

(b) Immediately send us copies of any de-mands, notices, summonses or legalpapers received in connection with the"suit";

(c) Notify any other insurer whose cover-age is available to the indemnitee; and

(d) Cooperate with us with respect to co-ordinating other applicable insuranceavailable to the indemnitee; and

(2) Provides us with written authorization to:(a) Obtain records and other information

related to the "suit"; and

2. ExclusionsWe will not pay expenses for "bodily injury": a. Any Insured

To any insured, except "volunteer workers". b. Hired Person

To a person hired to do work for or on behalfof any insured or a tenant of any insured.

c. Injury On Normally Occupied PremisesTo a person injured on that part of premisesyou own or rent that the person normallyoccupies.

d. Workers Compensation And Similar LawsTo a person, whether or not an "employee" ofany insured, if benefits for the "bodily injury"are payable or must be provided under a work-ers' compensation or disability benefits law ora similar law.

e. Athletics ActivitiesTo a person injured while practicing, instruct-ing or participating in any physical exercises orgames, sports, or athletic contests.

f. Products-Completed Operations HazardIncluded within the "products-completed oper-ations hazard".

g. Coverage A ExclusionsExcluded under Coverage A.

SUPPLEMENTARY PAYMENTS - COVERAGES A AND B 1. We will pay, with respect to any claim we investi-

gate or settle, or any "suit" against an insured wedefend:a. All expenses we incur. b. Up to $250 for cost of bail bonds required be-

cause of accidents or traffic law violations aris-ing out of the use of any vehicle to which theBodily Injury Liability Coverage applies. We donot have to furnish these bonds.

c. The cost of bonds to release attachments, butonly for bond amounts within the applicablelimit of insurance. We do not have to furnishthese bonds.

d. All reasonable expenses incurred by theinsured at our request to assist us in the inves-tigation or defense of the claim or "suit", includ-ing actual loss of earnings up to $250 a daybecause of time off from work.

e. All court costs taxed against the insured in the"suit". However, these payments do not in-clude attorneys' fees or attorneys' expensestaxed against the insured.

f. Prejudgment interest awarded against the in-sured on that part of the judgment we pay. Ifwe make an offer to pay the applicable limit ofinsurance, we will not pay any prejudgment in-terest based on that period of time after theoffer.

g. All interest on the full amount of any judgmentthat accrues after entry of the judgment andbefore we have paid, offered to pay, or depos-ited in court the part of the judgment that iswithin the applicable limit of insurance.

These payments will not reduce the limits ofinsurance.

2. If we defend an insured against a "suit" and an in-demnitee of the insured is also named as a party tothe "suit", we will defend that indemnitee if all of thefollowing conditions are met: a. The "suit" against the indemnitee seeks dam-

ages for which the insured has assumed theliability of the indemnitee in a contract oragreement that is an "insured contract";

b. This insurance applies to such liability as-sumed by the insured;

c. The obligation to defend, or the cost of the de-fense of, that indemnitee, has also been as-sumed by the insured in the same "insuredcontract";

d. The allegations in the "suit" and the informationwe know about the "occurrence" are such thatno conflict appears to exist between the inter-ests of the insured and the interests of theindemnitee;

e. The indemnitee and the insured ask us to con-duct and control the defense of that indem-nitee against such "suit" and agree that we canassign the same counsel to defend the insuredand the indemnitee; and

f. The indemnitee:(1) Agrees in writing to:

(a) Cooperate with us in the investigation,settlement or defense of hte "suit";

(b) Immediately send us copies of any de-mands, notices, summonses or legalpapers received in connection with the"suit";

(c) Notify any other insurer whose cover-age is available to the indemnitee; and

(d) Cooperate with us with respect to co-ordinating other applicable insuranceavailable to the indemnitee; and

(2) Provides us with written authorization to:(a) Obtain records and other information

related to the "suit"; and

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SUPPLEMENTARY PAYMENTS - COVERAGES A

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Copyright, ISO Properties, Inc., 2006CG 00 01 12 07 Page 9 of 16Copyright, ISO Properties, Inc., 2006CG 00 01 12 07 Page 9 of 16

(b) Conduct and control the defense ofthe indemnitee in such "suit".

So long as the above conditions are met, attor-neys' fees incurred by us in the defense of thatindemnitee, necessary litigation expenses in-curred by us and necessary litigation expensesincurred by the indemnitee at our request willbe paid as Supplementary Payments. Notwith-standing the provisions of Paragraph 2.b.(2) ofSection I - Coverage A - Bodily Injury AndProperty Damage Liability, such payments willnot be deemed to be damages for "bodily in-jury" and "property damage" and will not re-duce the limits of insurance. Our obligation to defend an insured's indem-nitee and to pay for attorneys' fees and neces-sary litigation expenses as SupplementaryPayments ends when we have used up the ap-plicable limit of insurance in the payment ofjudgments or settlements or the conditions setforth above, or the terms of the agreement de-scribed in Paragraph f. above, are no longermet.

SECTION II - 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 conductof a business of which you are the sole owner.

b. A partnership or joint venture, you are an in-sured. Your members, your partners, and theirspouses are also insureds, but only with re-spect to the conduct of your business.

c. A limited liability company, you are an insured.Your members are also insureds, but only withrespect to the conduct of your business. Yourmanagers are insureds, but only with respectto their duties as your managers.

d. An organization other than a partnership, jointventure or limited liability company, you are aninsured. Your "executive officers" and directorsare insureds, but only with respect to theirduties as your officers or directors. Your stock-holders are also insureds, but only with re-spect to their liability as stockholders.

e. A trust, you are an insured. Your trustees arealso insureds, but only with respect to theirduties as trustees.

2. Each of the following is also an insured: a. Your "volunteer workers" only while performing

duties related to the conduct of your business,or your "employees", other than either your"executive officers" (if you are an organizationother than a partnership, joint venture or lim-ited liability company) or your managers (if youare a limited liability company), but only foracts within the scope of their employment byyou or while performing duties related to theconduct of your business. However, none ofthese "employees" or "volunteer workers" areinsureds for: (1) "Bodily injury" or "personal and advertising

injury":(a) To you, to your partners or members

(if you are a partnership or joint ven-ture), to your members (if you are alimited liability company), to a co-"em-ployee" while in the course of his orher employment or performing dutiesrelated to the conduct of your busi-ness, or to your other "volunteer work-ers" while performing duties related tothe conduct of your business;

(b) To the spouse, child, parent, brotheror sister of that co-"employee" or "vol-unteer worker" as a consequence ofParagraph (1)(a) above;

(c) For which there is any obligation toshare damages with or repay some-one else who must pay damagesbecause of the injury described inParagraphs (1)(a) or (b) above; or

(d) Arising out of his or her providing orfailing to provide professional healthcare services.

(2) "Property damage" to property: (a) Owned, occupied or used by, (b) Rented to, in the care, custody or con-

trol of, or over which physical controlis being exercised for any purpose by

you, any of your "employees", "volunteerworkers", any partner or member (if youare a partnership or joint venture), or anymember (if you are a limited liabilitycompany).

(b) Conduct and control the defense ofthe indemnitee in such "suit".

So long as the above conditions are met, attor-neys' fees incurred by us in the defense of thatindemnitee, necessary litigation expenses in-curred by us and necessary litigation expensesincurred by the indemnitee at our request willbe paid as Supplementary Payments. Notwith-standing the provisions of Paragraph 2.b.(2) ofSection I - Coverage A - Bodily Injury AndProperty Damage Liability, such payments willnot be deemed to be damages for "bodily in-jury" and "property damage" and will not re-duce the limits of insurance. Our obligation to defend an insured's indem-nitee and to pay for attorneys' fees and neces-sary litigation expenses as SupplementaryPayments ends when we have used up the ap-plicable limit of insurance in the payment ofjudgments or settlements or the conditions setforth above, or the terms of the agreement de-scribed in Paragraph f. above, are no longermet.

SECTION II - 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 conductof a business of which you are the sole owner.

b. A partnership or joint venture, you are an in-sured. Your members, your partners, and theirspouses are also insureds, but only with re-spect to the conduct of your business.

c. A limited liability company, you are an insured.Your members are also insureds, but only withrespect to the conduct of your business. Yourmanagers are insureds, but only with respectto their duties as your managers.

d. An organization other than a partnership, jointventure or limited liability company, you are aninsured. Your "executive officers" and directorsare insureds, but only with respect to theirduties as your officers or directors. Your stock-holders are also insureds, but only with re-spect to their liability as stockholders.

e. A trust, you are an insured. Your trustees arealso insureds, but only with respect to theirduties as trustees.

2. Each of the following is also an insured: a. Your "volunteer workers" only while performing

duties related to the conduct of your business,or your "employees", other than either your"executive officers" (if you are an organizationother than a partnership, joint venture or lim-ited liability company) or your managers (if youare a limited liability company), but only foracts within the scope of their employment byyou or while performing duties related to theconduct of your business. However, none ofthese "employees" or "volunteer workers" areinsureds for: (1) "Bodily injury" or "personal and advertising

injury":(a) To you, to your partners or members

(if you are a partnership or joint ven-ture), to your members (if you are alimited liability company), to a co-"em-ployee" while in the course of his orher employment or performing dutiesrelated to the conduct of your busi-ness, or to your other "volunteer work-ers" while performing duties related tothe conduct of your business;

(b) To the spouse, child, parent, brotheror sister of that co-"employee" or "vol-unteer worker" as a consequence ofParagraph (1)(a) above;

(c) For which there is any obligation toshare damages with or repay some-one else who must pay damagesbecause of the injury described inParagraphs (1)(a) or (b) above; or

(d) Arising out of his or her providing orfailing to provide professional healthcare services.

(2) "Property damage" to property: (a) Owned, occupied or used by, (b) Rented to, in the care, custody or con-

trol of, or over which physical controlis being exercised for any purpose by

you, any of your "employees", "volunteerworkers", any partner or member (if youare a partnership or joint venture), or anymember (if you are a limited liabilitycompany).

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SECTION II - WHO IS AN INSURED SECTION II - WHO IS AN INSURED SECTION II - WHO IS AN INSURED

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Copyright, ISO Properties, Inc., 2006 CG 00 01 12 07Page 10 of 16 Copyright, ISO Properties, Inc., 2006 CG 00 01 12 07Page 10 of 16

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 proper tem-porary custody of your property if you die, butonly:(1) With respect to liability arising out of the

maintenance or use of that property; and (2) Until your legal representative has been

appointed.d. Your legal representative if you die, but only

with respect to duties as such. That represen-tative will have all your rights and duties underthis Coverage Part.

3. Any organization you newly acquire or form, otherthan a partnership, joint venture or limited liabilitycompany, and over which you maintain ownershipor majority interest, will qualify as a Named Insuredif there is no other similar insurance available tothat organization. However: a. Coverage under this provision is afforded only

until the 90th day after you acquire or form theorganization or the end of the policy period,whichever is earlier;

b. Coverage A does not apply to "bodily injury" or"property damage" that occurred before youacquired or formed the organization; and

c. Coverage B does not apply to "personal andadvertising injury" arising out of an offensecommitted before you acquired or formed theorganization.

No person or organization is an insured with respect tothe conduct of any current or past partnership, jointventure or limited liability company that is not shown asa Named Insured in the Declarations. SECTION III - LIMITS OF INSURANCE 1. The Limits of Insurance shown in the Declarations

and the rules below fix the most we will pay regard-less of the number of: a. Insureds;b. Claims made or "suits" brought; or c. Persons or organizations making claims or

bringing "suits". 2. The General Aggregate Limit is the most we will

pay for the sum of: a. Medical expenses under Coverage C;b. Damages under Coverage A, except damages

because of "bodily injury" or "property dam-age" included in the "products-completed op-erations hazard"; and

c. Damages under Coverage B.

3. The Products-Completed Operations AggregateLimit is the most we will pay under Coverage A fordamages because of "bodily injury" and "propertydamage" included in the "products-completed op-erations hazard".

4. Subject to Paragraph 2. above, the Personal andAdvertising Injury Limit is the most we will payunder Coverage B for the sum of all damages be-cause of all "personal and advertising injury" sus-tained by any one person or organization.

5. Subject to Paragraph 2. or 3. above, whichever ap-plies, the Each Occurrence Limit is the most we willpay for the sum of: a. Damages under Coverage A; and b. Medical expenses under Coverage Cbecause of all "bodily injury" and "property dam-age" arising out of any one "occurrence".

6. Subject to Paragraph 5. above, the Damage ToPremises Rented To You Limit is the most we willpay under Coverage A for damages because of"property damage" to any one premises, while rent-ed to you, or in the case of damage by fire, whilerented to you or temporarily occupied by you withpermission of the owner.

7. Subject to Paragraph 5. above, the Medical Ex-pense Limit is the most we will pay under CoverageC for all medical expenses because of "bodily in-jury" sustained by any one person.

The Limits of Insurance of this Coverage Part applyseparately to each consecutive annual period and toany remaining period of less than 12 months, startingwith the beginning of the policy period shown in theDeclarations, unless the policy period is extended afterissuance for an additional period of less than 12months. In that case, the additional period will bedeemed part of the last preceding period for purposesof determining the Limits of Insurance. SECTION IV - COMMERCIAL GENERAL LIABILITY CONDITIONS1. Bankruptcy

Bankruptcy or insolvency of the insured or of theinsured's estate will not relieve us of our obliga-tions under this Coverage Part.

2. Duties In The Event Of Occurrence, Offense, Claim Or Suit a. You must see to it that we are notified as soon

as practicable of an "occurrence" or an offensewhich may result in a claim. To the extent pos-sible, notice should include: (1) How, when and where the "occurrence" or

offense took place; (2) The names and addresses of any injured

persons and witnesses; and

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 proper tem-porary custody of your property if you die, butonly:(1) With respect to liability arising out of the

maintenance or use of that property; and (2) Until your legal representative has been

appointed.d. Your legal representative if you die, but only

with respect to duties as such. That represen-tative will have all your rights and duties underthis Coverage Part.

3. Any organization you newly acquire or form, otherthan a partnership, joint venture or limited liabilitycompany, and over which you maintain ownershipor majority interest, will qualify as a Named Insuredif there is no other similar insurance available tothat organization. However: a. Coverage under this provision is afforded only

until the 90th day after you acquire or form theorganization or the end of the policy period,whichever is earlier;

b. Coverage A does not apply to "bodily injury" or"property damage" that occurred before youacquired or formed the organization; and

c. Coverage B does not apply to "personal andadvertising injury" arising out of an offensecommitted before you acquired or formed theorganization.

No person or organization is an insured with respect tothe conduct of any current or past partnership, jointventure or limited liability company that is not shown asa Named Insured in the Declarations. SECTION III - LIMITS OF INSURANCE 1. The Limits of Insurance shown in the Declarations

and the rules below fix the most we will pay regard-less of the number of: a. Insureds;b. Claims made or "suits" brought; or c. Persons or organizations making claims or

bringing "suits". 2. The General Aggregate Limit is the most we will

pay for the sum of: a. Medical expenses under Coverage C;b. Damages under Coverage A, except damages

because of "bodily injury" or "property dam-age" included in the "products-completed op-erations hazard"; and

c. Damages under Coverage B.

3. The Products-Completed Operations AggregateLimit is the most we will pay under Coverage A fordamages because of "bodily injury" and "propertydamage" included in the "products-completed op-erations hazard".

4. Subject to Paragraph 2. above, the Personal andAdvertising Injury Limit is the most we will payunder Coverage B for the sum of all damages be-cause of all "personal and advertising injury" sus-tained by any one person or organization.

5. Subject to Paragraph 2. or 3. above, whichever ap-plies, the Each Occurrence Limit is the most we willpay for the sum of: a. Damages under Coverage A; and b. Medical expenses under Coverage Cbecause of all "bodily injury" and "property dam-age" arising out of any one "occurrence".

6. Subject to Paragraph 5. above, the Damage ToPremises Rented To You Limit is the most we willpay under Coverage A for damages because of"property damage" to any one premises, while rent-ed to you, or in the case of damage by fire, whilerented to you or temporarily occupied by you withpermission of the owner.

7. Subject to Paragraph 5. above, the Medical Ex-pense Limit is the most we will pay under CoverageC for all medical expenses because of "bodily in-jury" sustained by any one person.

The Limits of Insurance of this Coverage Part applyseparately to each consecutive annual period and toany remaining period of less than 12 months, startingwith the beginning of the policy period shown in theDeclarations, unless the policy period is extended afterissuance for an additional period of less than 12months. In that case, the additional period will bedeemed part of the last preceding period for purposesof determining the Limits of Insurance. SECTION IV - COMMERCIAL GENERAL LIABILITY CONDITIONS1. Bankruptcy

Bankruptcy or insolvency of the insured or of theinsured's estate will not relieve us of our obliga-tions under this Coverage Part.

2. Duties In The Event Of Occurrence, Offense, Claim Or Suit a. You must see to it that we are notified as soon

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offense took place; (2) The names and addresses of any injured

persons and witnesses; and

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SAMPLESECTION IV - COMMERCIAL GENERAL LIABILITY

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Copyright, ISO Properties, Inc., 2006CG 00 01 12 07 Page 11 of 16Copyright, ISO Properties, Inc., 2006CG 00 01 12 07 Page 11 of 16

(3) The nature and location of any injury ordamage arising out of the "occurrence" oroffense.

b. If a claim is made or "suit" is brought againstany insured, you must: (1) Immediately record the specifics of the

claim or "suit" and the date received; and (2) Notify us as soon as practicable. You must see to it that we receive writtennotice of the claim or "suit" as soon aspracticable.

c. You and any other involved insured must: (1) Immediately send us copies of any de-

mands, notices, summonses or legal pa-pers received in connection with the claimor "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 the enforce-ment of any right against any person ororganization which may be liable to the in-sured because of injury or damage towhich this insurance may also apply.

d. No insured will, except at that insured's owncost, voluntarily make a payment, assume anyobligation, or incur any expense, other than forfirst aid, without our consent.

3. Legal Action Against Us No person or organization has a right under thisCoverage Part: a. To join us as a party or otherwise bring us into

a "suit" asking for damages from an insured; or b. To sue us on this Coverage Part unless all of its

terms have been fully complied with. A person or organization may sue us to recover onan agreed settlement or on a final judgmentagainst an insured; but we will not be liable fordamages that are not payable under the terms ofthis Coverage Part or that are in excess of the ap-plicable limit of insurance. An agreed settlementmeans a settlement and release of liability signedby us, the insured and the claimant or theclaimant's legal representative.

4. Other Insurance If other valid and collectible insurance is availableto the insured for a loss we cover under CoveragesA or B of this Coverage Part, our obligations arelimited as follows: a. Primary Insurance

This insurance is primary except when Para-graph b. below applies. If this insurance is pri-mary, our obligations are not affected unlessany of the other insurance is also primary.Then, we will share with all that other insuranceby the method described in Paragraph c.below.

b. Excess Insurance (1) This insurance is excess over:

(a) Any of the other insurance, whetherprimary, excess, contingent or on anyother basis: (i) That is Fire, Extended Coverage,

Builder's Risk, Installation Risk orsimilar coverage for "your work";

(ii) That is Fire insurance for premisesrented to you or temporarily occu-pied by you with permission of theowner;

(iii) That is insurance purchased byyou to cover your liability as a ten-ant for "property damage" to prem-ises rented to you or temporarilyoccupied by you with permissionof the owner; or

(iv) If the loss arises out of the mainte-nance or use of aircraft, "autos" orwatercraft to the extent not subjectto Exclusion g. of Section I - Cov-erage A - Bodily Injury And Prop-erty Damage Liability.

(b) Any other primary insurance availableto you covering liability for damagesarising out of the premises or opera-tions, or the products and completedoperations, for which you have beenadded as an additional insured by at-tachment of an endorsement.

(2) When this insurance is excess, we willhave no duty under Coverages A or B todefend the insured against any "suit" if anyother insurer has a duty to defend the in-sured against that "suit". If no other insurerdefends, we will undertake to do so, butwe will be entitled to the insured's rightsagainst all those other insurers.

(3) The nature and location of any injury ordamage arising out of the "occurrence" oroffense.

b. If a claim is made or "suit" is brought againstany insured, you must: (1) Immediately record the specifics of the

claim or "suit" and the date received; and (2) Notify us as soon as practicable. You must see to it that we receive writtennotice of the claim or "suit" as soon aspracticable.

c. You and any other involved insured must: (1) Immediately send us copies of any de-

mands, notices, summonses or legal pa-pers received in connection with the claimor "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 the enforce-ment of any right against any person ororganization which may be liable to the in-sured because of injury or damage towhich this insurance may also apply.

d. No insured will, except at that insured's owncost, voluntarily make a payment, assume anyobligation, or incur any expense, other than forfirst aid, without our consent.

3. Legal Action Against Us No person or organization has a right under thisCoverage Part: a. To join us as a party or otherwise bring us into

a "suit" asking for damages from an insured; or b. To sue us on this Coverage Part unless all of its

terms have been fully complied with. A person or organization may sue us to recover onan agreed settlement or on a final judgmentagainst an insured; but we will not be liable fordamages that are not payable under the terms ofthis Coverage Part or that are in excess of the ap-plicable limit of insurance. An agreed settlementmeans a settlement and release of liability signedby us, the insured and the claimant or theclaimant's legal representative.

4. Other Insurance If other valid and collectible insurance is availableto the insured for a loss we cover under CoveragesA or B of this Coverage Part, our obligations arelimited as follows: a. Primary Insurance

This insurance is primary except when Para-graph b. below applies. If this insurance is pri-mary, our obligations are not affected unlessany of the other insurance is also primary.Then, we will share with all that other insuranceby the method described in Paragraph c.below.

b. Excess Insurance (1) This insurance is excess over:

(a) Any of the other insurance, whetherprimary, excess, contingent or on anyother basis: (i) That is Fire, Extended Coverage,

Builder's Risk, Installation Risk orsimilar coverage for "your work";

(ii) That is Fire insurance for premisesrented to you or temporarily occu-pied by you with permission of theowner;

(iii) That is insurance purchased byyou to cover your liability as a ten-ant for "property damage" to prem-ises rented to you or temporarilyoccupied by you with permissionof the owner; or

(iv) If the loss arises out of the mainte-nance or use of aircraft, "autos" orwatercraft to the extent not subjectto Exclusion g. of Section I - Cov-erage A - Bodily Injury And Prop-erty Damage Liability.

(b) Any other primary insurance availableto you covering liability for damagesarising out of the premises or opera-tions, or the products and completedoperations, for which you have beenadded as an additional insured by at-tachment of an endorsement.

(2) When this insurance is excess, we willhave no duty under Coverages A or B todefend the insured against any "suit" if anyother insurer has a duty to defend the in-sured against that "suit". If no other insurerdefends, we will undertake to do so, butwe will be entitled to the insured's rightsagainst all those other insurers.

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Copyright, ISO Properties, Inc., 2006 CG 00 01 12 07Page 12 of 16 Copyright, ISO Properties, Inc., 2006 CG 00 01 12 07Page 12 of 16

(3) When this insurance is excess over otherinsurance, we will pay only our share ofthe amount of the loss, if any, that exceedsthe sum of:(a) The total amount that all such other in-

surance would pay for the loss in theabsence of this insurance; and

(b) The total of all deductible and self-in-sured amounts under all that otherinsurance.

(4) We will share the remaining loss, if any,with any other insurance that is not de-scribed in this Excess Insurance provisionand was not bought specifically to apply inexcess of the Limits of Insurance shown inthe Declarations of this Coverage Part.

c. Method Of Sharing If all of the other insurance permits contribu-tion by equal shares, we will follow this methodalso. Under this approach each insurer con-tributes equal amounts until it has paid its ap-plicable limit of insurance or none of the lossremains, whichever comes first. If any of the other insurance does not permitcontribution by equal shares, we will contributeby limits. Under this method, each insurer'sshare is based on the ratio of its applicable lim-it of insurance to the total applicable limits ofinsurance of all insurers.

5. Premium Audit a. We will compute all premiums for this Cover-

age Part in accordance with our rules andrates.

b. Premium shown in this Coverage Part as ad-vance premium is a deposit premium only. Atthe close of each audit period we will computethe earned premium for that period and sendnotice to the first Named Insured. The due datefor audit and retrospective premiums is thedate shown as the due date on the bill. If thesum of the advance and audit premiums paidfor the policy period is greater than the earnedpremium, we will return the excess to the firstNamed Insured.

c. The first Named Insured must keep records ofthe information we need for premium compu-tation, and send us copies at such times as wemay request.

6. RepresentationsBy accepting this policy, you agree: a. The statements in the Declarations are accu-

rate and complete; b. Those statements are based upon representa-

tions you made to us; and

c. We have issued this policy in reliance uponyour representations.

7. Separation Of Insureds Except with respect to the Limits of Insurance, andany rights or duties specifically assigned in thisCoverage Part to the first Named Insured, this in-surance applies: a. As if each Named Insured were the only

Named Insured; and b. Separately to each insured against whom

claim is made or "suit" is brought. 8. Transfer Of Rights Of Recovery Against Others

To Us If the insured has rights to recover all or part of anypayment we have made under this Coverage Part,those rights are transferred to us. The insured mustdo nothing after loss to impair them. At our re-quest, the insured will bring "suit" or transfer thoserights to us and help us enforce them.

9. When We Do Not Renew If we decide not to renew this Coverage Part, wewill mail or deliver to the first Named Insuredshown in the Declarations written notice of thenonrenewal not less than 30 days before the expi-ration date. If notice is mailed, proof of mailing will be sufficientproof of notice.

SECTION V - DEFINITIONS 1. "Advertisement" means a notice that is broadcast

or published to the general public or specific mar-ket segments about your goods, products or serv-ices for the purpose of attracting customers orsupporters. For the purposes of this definition:a. Notices that are published include material

placed on the Internet or on similar electronicmeans of communication; and

b. Regarding web-sites, only that part of aweb-site that is about your goods, productsor services for the purposes of attractingcustomers or supporters is considered anadvertisement.

2. "Auto" means:a. A land motor vehicle, trailer or semitrailer de-

signed for travel on public roads, including anyattached machinery or equipment; or

b. Any other land vehicle that is subject to a com-pulsory or financial responsibility law or othermotor vehicle insurance law in the state whereit is licensed or principally garaged.

However, "auto" does not include "mobileequipment".

(3) When this insurance is excess over otherinsurance, we will pay only our share ofthe amount of the loss, if any, that exceedsthe sum of:(a) The total amount that all such other in-

surance would pay for the loss in theabsence of this insurance; and

(b) The total of all deductible and self-in-sured amounts under all that otherinsurance.

(4) We will share the remaining loss, if any,with any other insurance that is not de-scribed in this Excess Insurance provisionand was not bought specifically to apply inexcess of the Limits of Insurance shown inthe Declarations of this Coverage Part.

c. Method Of Sharing If all of the other insurance permits contribu-tion by equal shares, we will follow this methodalso. Under this approach each insurer con-tributes equal amounts until it has paid its ap-plicable limit of insurance or none of the lossremains, whichever comes first. If any of the other insurance does not permitcontribution by equal shares, we will contributeby limits. Under this method, each insurer'sshare is based on the ratio of its applicable lim-it of insurance to the total applicable limits ofinsurance of all insurers.

5. Premium Audit a. We will compute all premiums for this Cover-

age Part in accordance with our rules andrates.

b. Premium shown in this Coverage Part as ad-vance premium is a deposit premium only. Atthe close of each audit period we will computethe earned premium for that period and sendnotice to the first Named Insured. The due datefor audit and retrospective premiums is thedate shown as the due date on the bill. If thesum of the advance and audit premiums paidfor the policy period is greater than the earnedpremium, we will return the excess to the firstNamed Insured.

c. The first Named Insured must keep records ofthe information we need for premium compu-tation, and send us copies at such times as wemay request.

6. RepresentationsBy accepting this policy, you agree: a. The statements in the Declarations are accu-

rate and complete; b. Those statements are based upon representa-

tions you made to us; and

c. We have issued this policy in reliance uponyour representations.

7. Separation Of Insureds Except with respect to the Limits of Insurance, andany rights or duties specifically assigned in thisCoverage Part to the first Named Insured, this in-surance applies: a. As if each Named Insured were the only

Named Insured; and b. Separately to each insured against whom

claim is made or "suit" is brought. 8. Transfer Of Rights Of Recovery Against Others

To Us If the insured has rights to recover all or part of anypayment we have made under this Coverage Part,those rights are transferred to us. The insured mustdo nothing after loss to impair them. At our re-quest, the insured will bring "suit" or transfer thoserights to us and help us enforce them.

9. When We Do Not Renew If we decide not to renew this Coverage Part, wewill mail or deliver to the first Named Insuredshown in the Declarations written notice of thenonrenewal not less than 30 days before the expi-ration date. If notice is mailed, proof of mailing will be sufficientproof of notice.

SECTION V - DEFINITIONS 1. "Advertisement" means a notice that is broadcast

or published to the general public or specific mar-ket segments about your goods, products or serv-ices for the purpose of attracting customers orsupporters. For the purposes of this definition:a. Notices that are published include material

placed on the Internet or on similar electronicmeans of communication; and

b. Regarding web-sites, only that part of aweb-site that is about your goods, productsor services for the purposes of attractingcustomers or supporters is considered anadvertisement.

2. "Auto" means:a. A land motor vehicle, trailer or semitrailer de-

signed for travel on public roads, including anyattached machinery or equipment; or

b. Any other land vehicle that is subject to a com-pulsory or financial responsibility law or othermotor vehicle insurance law in the state whereit is licensed or principally garaged.

However, "auto" does not include "mobileequipment".

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SECTION V - DEFINITIONS

SAMPLESECTION V - DEFINITIONS SECTION V - DEFINITIONS SECTION V - DEFINITIONS SECTION V - DEFINITIONS

SAMPLESECTION V - DEFINITIONS SECTION V - DEFINITIONS SECTION V - DEFINITIONS 1.

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Copyright, ISO Properties, Inc., 2006CG 00 01 12 07 Page 13 of 16Copyright, ISO Properties, Inc., 2006CG 00 01 12 07 Page 13 of 16

3. "Bodily injury" means bodily injury, sickness or dis-ease sustained by a person, including death result-ing from any of these at any time.

4. "Coverage territory" means: a. The United States of America (including its ter-

ritories and possessions), 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 or dam-age arises out of: (1) Goods or products made or sold by you in

the territory described in Paragraph a.above;

(2) The activities of a person whose home is inthe territory described in Paragraph a.above, but is away for a short time on yourbusiness; or

(3) "Personal and advertising injury" offensesthat take place through the Internet or sim-ilar electronic means of communication

provided the insured's responsibility to pay dam-ages is determined in a "suit" on the merits, in theterritory described in Paragraph a. above or in asettlement we agree to.

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

6. "Executive officer" means a person holding any ofthe officer positions created by your charter, con-stitution, by-laws or any other similar governingdocument.

7. "Hostile fire" means one which becomes uncontrol-lable or breaks out from where it was intended tobe.

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, defi-cient, 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 the re-pair, replacement, adjustment or removal of "yourproduct" or "your work" or your fulfilling the termsof the contract or agreement.

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

that portion of the contract for a lease of prem-ises that indemnifies any person or organiza-tion for damage by fire to premises whilerented to you or temporarily occupied by youwith permission of the owner is not an "insuredcontract";

b. A sidetrack agreement; c. Any easement or license agreement, except in

connection with construction or demolition op-erations on or within 50 feet of a railroad;

d. An obligation, as required by ordinance, to in-demnify a municipality, except in connectionwith work for a municipality;

e. An elevator maintenance agreement; f. That part of any other contract or agreement

pertaining to your business (including an in-demnification of a municipality in connectionwith work performed for a municipality) underwhich you assume the tort liability of anotherparty to pay for "bodily injury" or "propertydamage" to a third person or organization. Tortliability means a liability that would be imposedby law in the absence of any contract oragreement.Paragraph f. does not include that part of anycontract or agreement: (1) That indemnifies a railroad for "bodily in-

jury" or "property damage" arising out ofconstruction or demolition operations,within 50 feet of any railroad property andaffecting any railroad bridge or trestle,tracks, road-beds, tunnel, underpass orcrossing;

(2) That indemnifies an architect, engineer orsurveyor for injury or damage arising outof:(a) Preparing, approving, or failing to pre-

pare or approve, maps, shop draw-ings, opinions, reports, surveys, fieldorders, change orders or drawingsand specifications; or

(b) Giving directions or instructions, orfailing to give them, if that is the pri-mary cause of the injury or damage; or

(3) Under which the insured, if an architect,engineer or surveyor, assumes liability foran injury or damage arising out of the in-sured's rendering or failure to render pro-fessional services, including those listed in(2) above and supervisory, inspection, ar-chitectural or engineering activities.

3. "Bodily injury" means bodily injury, sickness or dis-ease sustained by a person, including death result-ing from any of these at any time.

4. "Coverage territory" means: a. The United States of America (including its ter-

ritories and possessions), 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 or dam-age arises out of: (1) Goods or products made or sold by you in

the territory described in Paragraph a.above;

(2) The activities of a person whose home is inthe territory described in Paragraph a.above, but is away for a short time on yourbusiness; or

(3) "Personal and advertising injury" offensesthat take place through the Internet or sim-ilar electronic means of communication

provided the insured's responsibility to pay dam-ages is determined in a "suit" on the merits, in theterritory described in Paragraph a. above or in asettlement we agree to.

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

6. "Executive officer" means a person holding any ofthe officer positions created by your charter, con-stitution, by-laws or any other similar governingdocument.

7. "Hostile fire" means one which becomes uncontrol-lable or breaks out from where it was intended tobe.

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, defi-cient, 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 the re-pair, replacement, adjustment or removal of "yourproduct" or "your work" or your fulfilling the termsof the contract or agreement.

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

that portion of the contract for a lease of prem-ises that indemnifies any person or organiza-tion for damage by fire to premises whilerented to you or temporarily occupied by youwith permission of the owner is not an "insuredcontract";

b. A sidetrack agreement; c. Any easement or license agreement, except in

connection with construction or demolition op-erations on or within 50 feet of a railroad;

d. An obligation, as required by ordinance, to in-demnify a municipality, except in connectionwith work for a municipality;

e. An elevator maintenance agreement; f. That part of any other contract or agreement

pertaining to your business (including an in-demnification of a municipality in connectionwith work performed for a municipality) underwhich you assume the tort liability of anotherparty to pay for "bodily injury" or "propertydamage" to a third person or organization. Tortliability means a liability that would be imposedby law in the absence of any contract oragreement.Paragraph f. does not include that part of anycontract or agreement: (1) That indemnifies a railroad for "bodily in-

jury" or "property damage" arising out ofconstruction or demolition operations,within 50 feet of any railroad property andaffecting any railroad bridge or trestle,tracks, road-beds, tunnel, underpass orcrossing;

(2) That indemnifies an architect, engineer orsurveyor for injury or damage arising outof:(a) Preparing, approving, or failing to pre-

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(b) Giving directions or instructions, orfailing to give them, if that is the pri-mary cause of the injury or damage; or

(3) Under which the insured, if an architect,engineer or surveyor, assumes liability foran injury or damage arising out of the in-sured's rendering or failure to render pro-fessional services, including those listed in(2) above and supervisory, inspection, ar-chitectural or engineering activities.

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Copyright, ISO Properties, Inc., 2006 CG 00 01 12 07Page 14 of 16 Copyright, ISO Properties, Inc., 2006 CG 00 01 12 07Page 14 of 16

10. "Leased worker" means a person leased to you bya labor leasing firm under an agreement betweenyou and the labor leasing firm, to perform duties re-lated to the conduct of your business. "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 is ac-

cepted for movement into or onto an aircraft,watercraft or "auto";

b. While it is in or on an aircraft, watercraft or "au-to"; or

c. While it is being moved from an aircraft, water-craft or "auto" to the place where it is finallydelivered;

but "loading or unloading" does not include themovement of property by means of a mechanicaldevice, other than a hand truck, that is not at-tached to the aircraft, watercraft or "auto".

12. "Mobile equipment" means any of the followingtypes of land vehicles, including any attached ma-chinery or equipment: a. Bulldozers, farm machinery, forklifts and other

vehicles designed for use principally off publicroads;

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, main-

tained primarily to provide mobility to perma-nently mounted: (1) Power cranes, shovels, loaders, diggers or

drills; or (2) Road construction or resurfacing equip-

ment such as graders, scrapers or rollers; e. Vehicles not described in Paragraph a., b., c.

or d. above that are not self-propelled and aremaintained primarily to provide mobility to per-manently attached equipment of the followingtypes:(1) Air compressors, pumps and generators,

including spraying, welding, buildingcleaning, geophysical exploration, lightingand well servicing equipment; or

(2) Cherry pickers and similar devices used toraise or lower workers;

f. Vehicles not described in Paragraph a., b., c.or d. above maintained primarily for purposesother than the transportation of persons orcargo.

However, self-propelled vehicles with the fol-lowing types of permanently attached equip-ment are not "mobile equipment" but will beconsidered "autos": (1) Equipment designed primarily for:

(a) Snow removal; (b) Road maintenance, but not construc-

tion or resurfacing; or (c) Street cleaning;

(2) Cherry pickers and similar devicesmounted on automobile or truck chassisand used to raise or lower workers; and

(3) Air compressors, pumps and generators,including spraying, welding, buildingcleaning, geophysical exploration, lightingand well servicing equipment.

However, "mobile equipment" does not include anyland vehicles that are subject to a compulsory or fi-nancial responsibility law or other motor vehicleinsurance law in the state where it is licensed orprincipally garaged. Land vehicles subject to acompulsory or financial responsibility law or othermotor vehicle insurance law are considered"autos".

13. "Occurrence" means an accident, including contin-uous or repeated exposure to substantially thesame general harmful conditions.

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 entry in-

to, or invasion of the right of private occupancyof a room, dwelling or premises that a personoccupies, committed by or on behalf of itsowner, landlord or lessor;

d. Oral or written publication, in any manner, ofmaterial that slanders or libels a person or or-ganization or disparages a person's or organi-zation's goods, products or services;

e. Oral or written publication, in any manner, ofmaterial that violates a person'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".

10. "Leased worker" means a person leased to you bya labor leasing firm under an agreement betweenyou and the labor leasing firm, to perform duties re-lated to the conduct of your business. "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 is ac-

cepted for movement into or onto an aircraft,watercraft or "auto";

b. While it is in or on an aircraft, watercraft or "au-to"; or

c. While it is being moved from an aircraft, water-craft or "auto" to the place where it is finallydelivered;

but "loading or unloading" does not include themovement of property by means of a mechanicaldevice, other than a hand truck, that is not at-tached to the aircraft, watercraft or "auto".

12. "Mobile equipment" means any of the followingtypes of land vehicles, including any attached ma-chinery or equipment: a. Bulldozers, farm machinery, forklifts and other

vehicles designed for use principally off publicroads;

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, main-

tained primarily to provide mobility to perma-nently mounted: (1) Power cranes, shovels, loaders, diggers or

drills; or (2) Road construction or resurfacing equip-

ment such as graders, scrapers or rollers; e. Vehicles not described in Paragraph a., b., c.

or d. above that are not self-propelled and aremaintained primarily to provide mobility to per-manently attached equipment of the followingtypes:(1) Air compressors, pumps and generators,

including spraying, welding, buildingcleaning, geophysical exploration, lightingand well servicing equipment; or

(2) Cherry pickers and similar devices used toraise or lower workers;

f. Vehicles not described in Paragraph a., b., c.or d. above maintained primarily for purposesother than the transportation of persons orcargo.

However, self-propelled vehicles with the fol-lowing types of permanently attached equip-ment are not "mobile equipment" but will beconsidered "autos": (1) Equipment designed primarily for:

(a) Snow removal; (b) Road maintenance, but not construc-

tion or resurfacing; or (c) Street cleaning;

(2) Cherry pickers and similar devicesmounted on automobile or truck chassisand used to raise or lower workers; and

(3) Air compressors, pumps and generators,including spraying, welding, buildingcleaning, geophysical exploration, lightingand well servicing equipment.

However, "mobile equipment" does not include anyland vehicles that are subject to a compulsory or fi-nancial responsibility law or other motor vehicleinsurance law in the state where it is licensed orprincipally garaged. Land vehicles subject to acompulsory or financial responsibility law or othermotor vehicle insurance law are considered"autos".

13. "Occurrence" means an accident, including contin-uous or repeated exposure to substantially thesame general harmful conditions.

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 entry in-

to, or invasion of the right of private occupancyof a room, dwelling or premises that a personoccupies, committed by or on behalf of itsowner, landlord or lessor;

d. Oral or written publication, in any manner, ofmaterial that slanders or libels a person or or-ganization or disparages a person's or organi-zation's goods, products or services;

e. Oral or written publication, in any manner, ofmaterial that violates a person'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".

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SAMPLEorororor

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Copyright, ISO Properties, Inc., 2006CG 00 01 12 07 Page 15 of 16Copyright, ISO Properties, Inc., 2006CG 00 01 12 07 Page 15 of 16

15. "Pollutants" mean any solid, liquid, gaseous orthermal irritant or contaminant, including smoke,vapor, soot, fumes, acids, alkalis, chemicals andwaste. Waste includes materials to be recycled, re-conditioned or reclaimed.

16. "Products-completed operations hazard": a. Includes all "bodily injury" and "property dam-

age" occurring away from premises you ownor rent and arising out of "your product" or"your work" except: (1) Products that are still in your physical pos-

session; or (2) Work that has not yet been completed or

abandoned. However, "your work" will bedeemed completed at the earliest of thefollowing times: (a) When all of the work called for in your

contract has been completed. (b) When all of the work to be done at the

job site has been completed if yourcontract calls for work at more thanone job site.

(c) When that part of the work done at ajob site has been put to its intendeduse by any person or organization oth-er than another contractor or subcon-tractor working on the same project.

Work that may need service, maintenance,correction, repair or replacement, butwhich is otherwise complete, will betreated as completed.

b. Does not include "bodily injury" or "propertydamage" arising out of: (1) The transportation of property, unless the

injury or damage arises out of a conditionin or on a vehicle not owned or operatedby you, and that condition was created bythe "loading or unloading" of that vehicleby any insured;

(2) The existence of tools, uninstalled equip-ment or abandoned or unused materials;or

(3) Products or operations for which the clas-sification, listed in the Declarations or in apolicy schedule, states that products-com-pleted operations are subject to the Gen-eral Aggregate Limit.

17. "Property damage" means: a. Physical injury to tangible property, including

all resulting loss of use of that property. Allsuch loss of use shall be deemed to occur atthe time of the physical injury that caused it; or

b. Loss of use of tangible property that is notphysically injured. All such loss of use shall bedeemed to occur at the time of the "occur-rence" 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 or on, cre-ated or used on, or transmitted to or from com-puter software, including systems and applicationssoftware, hard or floppy disks, CD-ROMS, tapes,drives, cells, data processing devices or any othermedia which are used with electronically controlledequipment.

18. "Suit" means a civil proceeding in which damagesbecause of "bodily injury", "property damage" or"personal and advertising injury" to which this in-surance applies are alleged. "Suit" includes: a. An arbitration proceeding in which such dam-

ages are claimed and to which the insuredmust submit or does submit with our consent;or

b. Any other alternative dispute resolution pro-ceeding in which such damages are claimedand to which the insured submits with ourconsent.

19. "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-termworkload conditions.

20. "Volunteer worker" means a person who is not your"employee", and who donates his or her work andacts at the direction of and within the scope of du-ties determined by you, and is not paid a fee, sal-ary or other compensation by you or anyone elsefor their work performed for you.

21. "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 whose busi-

ness or assets you have acquired; and(2) Containers (other than vehicles), materials,

parts or equipment furnished in connec-tion with such goods or products.

b. Includes:(1) Warranties or representations made at any

time with respect to the fitness, quality, du-rability, performance or use of "your prod-uct"; and

15. "Pollutants" mean any solid, liquid, gaseous orthermal irritant or contaminant, including smoke,vapor, soot, fumes, acids, alkalis, chemicals andwaste. Waste includes materials to be recycled, re-conditioned or reclaimed.

16. "Products-completed operations hazard": a. Includes all "bodily injury" and "property dam-

age" occurring away from premises you ownor rent and arising out of "your product" or"your work" except: (1) Products that are still in your physical pos-

session; or (2) Work that has not yet been completed or

abandoned. However, "your work" will bedeemed completed at the earliest of thefollowing times: (a) When all of the work called for in your

contract has been completed. (b) When all of the work to be done at the

job site has been completed if yourcontract calls for work at more thanone job site.

(c) When that part of the work done at ajob site has been put to its intendeduse by any person or organization oth-er than another contractor or subcon-tractor working on the same project.

Work that may need service, maintenance,correction, repair or replacement, butwhich is otherwise complete, will betreated as completed.

b. Does not include "bodily injury" or "propertydamage" arising out of: (1) The transportation of property, unless the

injury or damage arises out of a conditionin or on a vehicle not owned or operatedby you, and that condition was created bythe "loading or unloading" of that vehicleby any insured;

(2) The existence of tools, uninstalled equip-ment or abandoned or unused materials;or

(3) Products or operations for which the clas-sification, listed in the Declarations or in apolicy schedule, states that products-com-pleted operations are subject to the Gen-eral Aggregate Limit.

17. "Property damage" means: a. Physical injury to tangible property, including

all resulting loss of use of that property. Allsuch loss of use shall be deemed to occur atthe time of the physical injury that caused it; or

b. Loss of use of tangible property that is notphysically injured. All such loss of use shall bedeemed to occur at the time of the "occur-rence" 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 or on, cre-ated or used on, or transmitted to or from com-puter software, including systems and applicationssoftware, hard or floppy disks, CD-ROMS, tapes,drives, cells, data processing devices or any othermedia which are used with electronically controlledequipment.

18. "Suit" means a civil proceeding in which damagesbecause of "bodily injury", "property damage" or"personal and advertising injury" to which this in-surance applies are alleged. "Suit" includes: a. An arbitration proceeding in which such dam-

ages are claimed and to which the insuredmust submit or does submit with our consent;or

b. Any other alternative dispute resolution pro-ceeding in which such damages are claimedand to which the insured submits with ourconsent.

19. "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-termworkload conditions.

20. "Volunteer worker" means a person who is not your"employee", and who donates his or her work andacts at the direction of and within the scope of du-ties determined by you, and is not paid a fee, sal-ary or other compensation by you or anyone elsefor their work performed for you.

21. "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 whose busi-

ness or assets you have acquired; and(2) Containers (other than vehicles), materials,

parts or equipment furnished in connec-tion with such goods or products.

b. Includes:(1) Warranties or representations made at any

time with respect to the fitness, quality, du-rability, performance or use of "your prod-uct"; and

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SAMPLEtractor working on the same project.

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SAMPLEmaintenance,

replacement,

SAMPLEreplacement, but

SAMPLEbut

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SAMPLE"Temporary

ployee"

SAMPLEployee"workload conditions.

SAMPLEworkload conditions.

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SAMPLE"Volunteer worker"

SAMPLEworker"

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SAMPLE"employee", and

SAMPLEand

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tractor working on the same project. tractor working on the same project. tractor working on the same project.

SAMPLEtractor working on the same project. tractor working on the same project. tractor working on the same project.

maintenance,

SAMPLEmaintenance,maintenance,maintenance,maintenance,

SAMPLEmaintenance,maintenance,maintenance,

replacement,replacement,replacement,

SAMPLEreplacement,replacement,replacement, but

SAMPLEbutbutbutbut

SAMPLEbutbutbut

will

SAMPLEwillwillwillwill

SAMPLEwillwillwill be

SAMPLEbebebebe

SAMPLEbebebe

19.

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SAMPLE19.19.19. "Temporary

SAMPLE"Temporary"Temporary"Temporary"Temporary

SAMPLE"Temporary"Temporary"Temporarynished

SAMPLEnishednishednishednished

SAMPLEnishednishednishedployee"

SAMPLEployee"ployee"ployee"ployee"

SAMPLEployee"ployee"ployee"workload conditions.

SAMPLEworkload conditions. workload conditions. workload conditions. workload conditions.

SAMPLEworkload conditions. workload conditions. workload conditions.

20.

SAMPLE20.20.20.20.

SAMPLE20.20.20. "Volunteer

SAMPLE"Volunteer"Volunteer"Volunteer"Volunteer

SAMPLE"Volunteer"Volunteer"Volunteer worker"

SAMPLEworker"worker"worker"worker"

SAMPLEworker"worker"worker"

"employee",

SAMPLE"employee","employee","employee","employee",

SAMPLE"employee","employee","employee", and

SAMPLEandandandand

SAMPLEandandand

acts

SAMPLEactsactsactsacts

SAMPLEactsactsacts

SAMPLEfor their work performed for you.

SAMPLEfor their work performed for you."Your product":

SAMPLE"Your product":

Any

SAMPLEAny goods

SAMPLEgoods or

SAMPLEor products,

SAMPLE products,property,

SAMPLEproperty,

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SAMPLEcompensationcompensationcompensationcompensation

SAMPLEcompensationcompensationcompensationfor their work performed for you.

SAMPLEfor their work performed for you.for their work performed for you.for their work performed for you.for their work performed for you.

SAMPLEfor their work performed for you.for their work performed for you.for their work performed for you."Your product": "Your product": "Your product":

SAMPLE"Your product": "Your product": "Your product": Means:

SAMPLEMeans:Means:Means:Means:

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SAMPLEAnyAnyAny goods

SAMPLEgoodsgoodsgoodsgoods

SAMPLEgoodsgoodsgoods or

SAMPLEorororor

SAMPLEororor products,

SAMPLE products,products,products,products,

SAMPLE products,products,products,property,property,property,

SAMPLEproperty,property,property, manufactured,

SAMPLEmanufactured,manufactured,manufactured,manufactured,

SAMPLEmanufactured,manufactured,manufactured,

SAMPLEdistributed or disposed of by:

SAMPLEdistributed or disposed of by:distributed or disposed of by:distributed or disposed of by:distributed or disposed of by:

SAMPLEdistributed or disposed of by:distributed or disposed of by:distributed or disposed of by:

Others trading under your name; or

SAMPLEOthers trading under your name; orOthers trading under your name; orOthers trading under your name; orOthers trading under your name; or

SAMPLEOthers trading under your name; orOthers trading under your name; orOthers trading under your name; or

Copyright, ISO Properties, Inc., 2006 CG 00 01 12 07Page 16 of 16 Copyright, ISO Properties, Inc., 2006 CG 00 01 12 07Page 16 of 16

(2) The providing of or failure to provide warn-ings or instructions.

c. Does not include vending machines or otherproperty rented to or located for the use ofothers but not sold.

22. "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 at any

time with respect to the fitness, quality, du-rability, performance or use of "your work",and

(2) The providing of or failure to provide warn-ings or instructions.

(2) The providing of or failure to provide warn-ings or instructions.

c. Does not include vending machines or otherproperty rented to or located for the use ofothers but not sold.

22. "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 at any

time with respect to the fitness, quality, du-rability, performance or use of "your work",and

(2) The providing of or failure to provide warn-ings or instructions.

SAMPLE

representationsrepresentationsrepresentationsSAMPLE

representationsrepresentationsrepresentationsrespectrespectrespectSAMPLE

respectrespectrespect tototoSAMPLE

tototo theSAMPLE

thethethetheSAMPLE

thethetheperformanceperformanceperformanceSAMPLE

performanceperformanceperformance orSAMPLE

ororororSAMPLE

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providingprovidingprovidingSAMPLE

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ororor failurefailurefailureSAMPLE

failurefailurefailure tototoSAMPLE

tototo provideprovideprovideSAMPLE

provideprovideprovideings or instructions.ings or instructions.ings or instructions.

SAMPLE

ings or instructions.ings or instructions.ings or instructions.

CG 00 68 05 09 Page 1 of 1Copyright, Insurance Services Office, Inc., 2008

COMMERCIAL GENERAL LIABILITYCG 00 68 05 09

RECORDING AND DISTRIBUTION OF MATERIAL OR INFORMATION IN VIOLATION OF LAW EXCLUSION

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

A. Exclusion q. of Paragraph 2. Exclusions of Sec-tion I - Coverage A - Bodily Injury And PropertyDamage Liability is replaced by the following:2. Exclusions

This insurance does not apply to:q. Recording And Distribution Of Material

Or Information In Violation Of Law"Bodily injury" or "property damage" aris-ing directly or indirectly out of any actionor omission that violates or is alleged toviolate:(1) The Telephone Consumer Protection

Act (TCPA), including any amendmentof or addition to such law;

(2) The CAN-SPAM Act of 2003, includingany amendment of or addition to suchlaw;

(3) The Fair Credit Reporting Act (FCRA),and any amendment of or addition tosuch law, including the Fair and Accu-rate Credit Transaction Act (FACTA);or

(4) Any federal, state or local statute, ordi-nance or regulation, other than theTCPA, CAN-SPAM Act of 2003 orFCRA and their amendments and ad-ditions, that addresses, prohibits, orlimits the printing, dissemination, dis-posal, collecting, recording, sending,transmitting, communicating or distri-bution of material or information.

B. Exclusion p. of Paragraph 2. Exclusions of Sec-tion I - Coverage B - Personal And AdvertisingInjury Liability is replaced by the following:2. Exclusions

This insurance does not apply to:p. Recording And Distribution Of Material

Or Information In Violation Of Law"Personal and advertising injury" arisingdirectly or indirectly out of any actionor omission that violates or is alleged toviolate:(1) The Telephone Consumer Protection

Act (TCPA), including any amendmentof or addition to such law;

(2) The CAN-SPAM Act of 2003, includingany amendment of or addition to suchlaw;

(3) The Fair Credit Reporting Act (FCRA),and any amendment of or addition tosuch law, including the Fair and Accu-rate Credit Transaction Act (FACTA);or

(4) Any federal, state or local statute, ordi-nance or regulation, other than theTCPA, CAN-SPAM Act of 2003 orFCRA and their amendments and ad-ditions, that addresses, prohibits, orlimits the printing, dissemination, dis-posal, collecting, recording, sending,transmitting, communicating or distri-bution of material or information.

SAMPLE

ParagraphSAMPLE

ParagraphBodilySAMPLE

Bodilyis replaced by the following:SAMPLE

is replaced by the following:

This insurance does not apply to:SAMPLE

This insurance does not apply to:Recording And Distribution Of Material SAMPLE

Recording And Distribution Of Material Or Information In Violation Of Law

SAMPLE

Or Information In Violation Of Lawinjury"

SAMPLE

injury" or

SAMPLE

or "property

SAMPLE

"property damage"

SAMPLE

damage" aris-

SAMPLE

aris-indirectly

SAMPLE

indirectly out

SAMPLE

out of

SAMPLE

of any

SAMPLE

any action

SAMPLE

actionthat

SAMPLE

that violates

SAMPLE

violates or

SAMPLE

or is

SAMPLE

is alleged

SAMPLE

alleged to

SAMPLE

to

Consumer

SAMPLEConsumer Protection

SAMPLEProtection

including

SAMPLEincluding any

SAMPLEany amendment

SAMPLEamendment

of or addition to such law;

SAMPLEof or addition to such law;

2003,

SAMPLE2003, including

SAMPLEincluding

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SAMPLEaddition to

SAMPLEto such

SAMPLEsuch

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SAMPLE(FCRA),

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(3)

SAMPLE(3) The

SAMPLETheand

SAMPLEand any

SAMPLEany

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SAMPLElaw,

rate

SAMPLErate Credit

SAMPLECreditor

SAMPLEor(4)

SAMPLE(4) Any

SAMPLEAny federal,

SAMPLEfederal, state

SAMPLE statenance

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SAMPLEor regulation,

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SAMPLETCPA, CAN-SPAM

SAMPLECAN-SPAMFCRA

SAMPLEFCRA and

SAMPLEand their

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SAMPLEditions, that

SAMPLEthat addresses,

SAMPLEaddresses,

limits

SAMPLElimits the

SAMPLEthe

SAMPLEprinting,

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posal,

SAMPLEposal, collecting,

SAMPLEcollecting,

transmitting,

SAMPLEtransmitting,bution of material or information.

SAMPLEbution of material or information.

CG 02 20 12 07 Page 1 of 2Copyright, ISO Properties, Inc., 2007

COMMERCIAL GENERAL LIABILITYCG 02 20 12 07

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

FLORIDA CHANGES - CANCELLATION AND NONRENEWAL

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PARTELECTRONIC DATA LIABILITY COVERAGE PARTLIQUOR LIABILITY COVERAGE PARTPOLLUTION LIABILITY COVERAGE PARTPRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART

A. Paragraph 2. of the Cancellation Common PolicyCondition is replaced by the following: 2. Cancellation Of Policies In Effect

a. For 90 Days Or Less If this policy has been in effect for 90 daysor less, we may cancel this policy by mail-ing or delivering to the first Named Insuredwritten notice of cancellation, accompa-nied by the reasons for cancellation, atleast:(1) 10 days before the effective date of

cancellation if we cancel for nonpay-ment of premium; or

(2) 20 days before the effective date of cancellation if we cancel for any otherreason, except we may cancel imme-diately if there has been: (a) A material misstatement or mis-

representation; or (b) A failure to comply with the under-

writing requirements establishedby the insurer.

b. For More Than 90 Days If this policy has been in effect for morethan 90 days, we may cancel this pol-icy only for one or more of the followingreasons:(1) Nonpayment of premium; (2) The policy was obtained by a material

misstatement;

(3) Failure to comply with underwriting re-quirements established by the insurerwithin 90 days of the effective date of coverage;

(4) A substantial change in the risk cov-ered by the policy; or

(5) The cancellation is for all insuredsunder such policies for a given class ofinsureds.

If we cancel this policy for any of thesereasons, we will mail or deliver to the firstNamed Insured written notice of cancella-tion, accompanied by the reasons for can-cellation, at least:

(a) 10 days before the effective dateof cancellation if we cancel fornonpayment of premium; or

(b) 45 days before the effective dateof cancellation if we cancel for anyof the other reasons stated inParagraph 2.b.

B. Paragraph 5. of the Cancellation Common PolicyCondition is replaced by the following:5. If this policy is cancelled, we will send the first

Named Insured any premium refund due. If wecancel, the refund will be pro rata. If the firstNamed Insured cancels, the refund may beless than pro rata. If the return premium is notrefunded with the notice of cancellation orwhen this policy is returned to us, we will mailthe refund within 15 working days after thedate cancellation takes effect, unless this is anaudit policy.

SAMPLE

LIQUOR LIABILITY COVERAGE PARTSAMPLE

LIQUOR LIABILITY COVERAGE PARTPOLLUTION LIABILITY COVERAGE PARTSAMPLE

POLLUTION LIABILITY COVERAGE PARTPRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART SAMPLE

PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PARTSAMPLE

PRODUCT WITHDRAWAL COVERAGE PART

of

SAMPLE

of the

SAMPLE

the Cancellation

SAMPLE

Cancellation Common

SAMPLE

CommonCondition is replaced by the following:

SAMPLE

Condition is replaced by the following: Cancellation Of Policies In Effect

SAMPLE

Cancellation Of Policies In EffectFor 90 Days Or Less

SAMPLE

For 90 Days Or Less been

SAMPLEbeen in

SAMPLEin effect

SAMPLEeffect for

SAMPLEfor 90

SAMPLE90 days

SAMPLEdays

this

SAMPLEthis policy

SAMPLEpolicy by

SAMPLEby mail-

SAMPLEmail-

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SAMPLENamed Insured

SAMPLEInsured

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SAMPLEcancellation, accompa-

SAMPLEaccompa-

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SAMPLEcancellation, at

SAMPLEat

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SAMPLEdate of

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SAMPLEnonpay-

reasons,

SAMPLEreasons,Named

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SAMPLEtion, accompanied

SAMPLEaccompanied

cellation, at least:

SAMPLEcellation, at least:

(a)

SAMPLE(a) 10

SAMPLE10 days

SAMPLEdaysof

SAMPLEof cancellation

SAMPLEcancellationnonpayment of premium; or

SAMPLEnonpayment of premium; or (b)

SAMPLE(b) 45

SAMPLE45 days

SAMPLEdays before

SAMPLE beforeof

SAMPLEof cancellation

SAMPLEcancellation if

SAMPLE ifof

SAMPLEof the

SAMPLEthe other

SAMPLE other reasons

SAMPLE reasonsParagraph

SAMPLEParagraph 2.b.

SAMPLE 2.b.of

SAMPLEof the

SAMPLEthe Cancellation

SAMPLECancellation

SAMPLECondition is replaced by the following:

SAMPLECondition is replaced by the following:

cancelled,

SAMPLEcancelled,

CG 02 20 12 07Page 2 of 2 Copyright, ISO Properties, Inc., 2007

If this is an audit policy, then, subject to yourfull cooperation with us or our agent in secur-ing the necessary data for audit, we will returnany premium refund due within 90 days of thedate cancellation takes effect. If our audit is notcompleted within this time limitation, then weshall accept your own audit, and any premiumrefund due shall be mailed within 10 workingdays of receipt of your audit.The cancellation will be effective even if wehave not made or offered a refund.

C. The following is added and supersedes any otherprovision to the contrary: NONRENEWAL1. If we decide not to renew this policy we will

mail or deliver to the first Named Insured writ-ten notice of nonrenewal, accompanied by thereason for nonrenewal, at least 45 days prior tothe expiration of this policy.

2. Any notice of nonrenewal will be mailed or de-livered to the first Named Insured's last mailingaddress known to us. If notice is mailed, proofof mailing will be sufficient proof of notice. SAMPLE

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

EXCLUSION PRODUCTS COMPLETED OPERATIONS HAZARD

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

Copyright, Insurance Services Office, Inc., 1984

CG 21 04 11 85

CL 267(11-85)

This insurance does not apply to "bodily injury" or "property damage" included within the "products completed operationshazard".

SAMPLE

CG 21 35 10 01 Page 1 of 1Copyright, ISO Properties, Inc., 2000CG 21 35 10 01 Page 1 of 1Copyright, ISO Properties, Inc., 2000

POLICY NUMBER: COMMERCIAL GENERAL LIABILITYCG 21 35 10 01

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

EXCLUSION - COVERAGE C - MEDICAL PAYMENTSThis endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

SCHEDULE

Description And Location Of Premises Or Classification:

(If no entry appears above, information required to complete this endorsement will be shown in the Declarations asapplicable to this endorsement.)

With respect to any premises or classification shown inthe Schedule: 1. Section I - Coverage C - Medical Payments does

not apply and none of the references to it in theCoverage Part apply; and

2. The following is added to Section I - Supplemen-tary Payments:h. Expenses incurred by the insured for first aid

administered to others at the time of an acci-dent for "bodily injury" to which this insuranceapplies.

POLICY NUMBER: COMMERCIAL GENERAL LIABILITYCG 21 35 10 01

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

EXCLUSION - COVERAGE C - MEDICAL PAYMENTSThis endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

SCHEDULE

Description And Location Of Premises Or Classification:

(If no entry appears above, information required to complete this endorsement will be shown in the Declarations asapplicable to this endorsement.)

With respect to any premises or classification shown inthe Schedule: 1. Section I - Coverage C - Medical Payments does

not apply and none of the references to it in theCoverage Part apply; and

2. The following is added to Section I - Supplemen-tary Payments:h. Expenses incurred by the insured for first aid

administered to others at the time of an acci-dent for "bodily injury" to which this insuranceapplies.

TMILVAC015438

Agent

SAMPLE

SAMPLE

SAMPLE

Description And Location Of Premises Or Classification:SAMPLE

Description And Location Of Premises Or Classification:

required

SAMPLErequired

tary Payments:

SAMPLEtary Payments:

administered

SAMPLEadministered

Description And Location Of Premises Or Classification:Description And Location Of Premises Or Classification:Description And Location Of Premises Or Classification:SAMPLE

Description And Location Of Premises Or Classification:Description And Location Of Premises Or Classification:Description And Location Of Premises Or Classification:

informationinformationinformation

SAMPLEinformationinformationinformation requiredrequiredrequired

SAMPLErequiredrequiredrequired tototo

SAMPLEtototo complete

SAMPLEcompletecompletecompletecomplete

SAMPLEcompletecompletecomplete thisthisthis

SAMPLEthisthisthis

classification

SAMPLEclassificationclassificationclassificationclassification

SAMPLEclassificationclassificationclassification shown

SAMPLEshownshownshownshown

SAMPLEshownshownshown ininin

SAMPLEininin

doesdoesdoes

SAMPLEdoesdoesdoes

thethethe

SAMPLEthethethe

2.2.2.

SAMPLE2.2.2. TheTheThe

SAMPLETheTheThe followingfollowingfollowing

SAMPLEfollowingfollowingfollowing

tary Payments:tary Payments:tary Payments:

SAMPLEtary Payments:tary Payments:tary Payments:h.h.h.

SAMPLEh.h.h. ExpensesExpensesExpenses

SAMPLEExpensesExpensesExpensesadministeredadministeredadministered

SAMPLEadministeredadministeredadministereddentdentdent

SAMPLEdentdentdent forforfor

SAMPLEforforfor "bodily

SAMPLE"bodily"bodily"bodily"bodily

SAMPLE"bodily"bodily"bodily

applies.applies.applies.

SAMPLEapplies.applies.applies.

CG 21 36 03 05 Copyright, ISO Properties, Inc., 2004 Page 1 of 1CG 21 36 03 05 Copyright, ISO Properties, Inc., 2004 Page 1 of 1

COMMERCIAL GENERAL LIABILITYCG 21 36 03 05

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

EXCLUSION - NEW ENTITIES

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

Paragraph 3. of Section II - Who Is An Insured doesnot apply.

COMMERCIAL GENERAL LIABILITYCG 21 36 03 05

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

EXCLUSION - NEW ENTITIES

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

Paragraph 3. of Section II - Who Is An Insured doesnot apply. SAMPLE

CG 21 37 10 01 Page 1 of 1Copyright, ISO Properties, Inc., 2000CG 21 37 10 01 Page 1 of 1Copyright, ISO Properties, Inc., 2000

COMMERCIAL GENERAL LIABILITYCG 21 37 10 01

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

EXCLUSION - EMPLOYEES AND VOLUNTEER WORKERSAS INSUREDS

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

A. Paragraph 2.a. of Section II - Who Is An Insureddoes not apply.

B. Paragraph 2. Exclusions of Section I. - Cover-age A - Bodily Injury And Property DamageLiability is amended as follows:1. Paragraph g. is replaced by the following:

This insurance does not apply to:g. Aircraft, Auto Or Watercraft

"Bodily injury" or "property damage" aris-ing out of the ownership, maintenance,use or entrustment to others of anyaircraft, "auto" or watercraft:(1) Owned or operated by or rented or

loaned to any insured; or(2) Operated by any "employee" or "vol-

unteer worker" in the course of his orher employment by the insured orwhile performing duties related to theconduct of the insured's business.

Use includes operation and "loading orunloading".This exclusion applies even if the claimsagainst the insured allege negligence orother wrongdoing in the supervision,hiring, employment, training or monitor-ing of others by that insured, if the"occurrence" which caused the "bodily in-jury" or "property damage" involved theownership, maintenance, use or en-trustment to others of any aircraft, "auto"or watercraft that is owned or operatedby or rented or loaned to any insured.

This exclusion does not apply to:(1) A watercraft while ashore on prem-

ises you own or rent,(2) A watercraft you do not own that is:

(a) Less than 26 feet long; and(b) Not being used to carry persons

or property for a charge;(3) 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, the in-sured, any of your "employees" or"volunteer workers" or any "em-ployee" or "volunteer worker" of theinsured.

(4) Liability assumed under any "insuredcontract" for the ownership, mainte-nance or use of aircraft or watercraft;or

(5) "Bodily injury" or "property damage"arising out of the operation of any ofthe equipment listed in Paragraphf.(2) or f.(3) of the definition of "mo-bile equipment".

COMMERCIAL GENERAL LIABILITYCG 21 37 10 01

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

EXCLUSION - EMPLOYEES AND VOLUNTEER WORKERSAS INSUREDS

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

A. Paragraph 2.a. of Section II - Who Is An Insureddoes not apply.

B. Paragraph 2. Exclusions of Section I. - Cover-age A - Bodily Injury And Property DamageLiability is amended as follows:1. Paragraph g. is replaced by the following:

This insurance does not apply to:g. Aircraft, Auto Or Watercraft

"Bodily injury" or "property damage" aris-ing out of the ownership, maintenance,use or entrustment to others of anyaircraft, "auto" or watercraft:(1) Owned or operated by or rented or

loaned to any insured; or(2) Operated by any "employee" or "vol-

unteer worker" in the course of his orher employment by the insured orwhile performing duties related to theconduct of the insured's business.

Use includes operation and "loading orunloading".This exclusion applies even if the claimsagainst the insured allege negligence orother wrongdoing in the supervision,hiring, employment, training or monitor-ing of others by that insured, if the"occurrence" which caused the "bodily in-jury" or "property damage" involved theownership, maintenance, use or en-trustment to others of any aircraft, "auto"or watercraft that is owned or operatedby or rented or loaned to any insured.

This exclusion does not apply to:(1) A watercraft while ashore on prem-

ises you own or rent,(2) A watercraft you do not own that is:

(a) Less than 26 feet long; and(b) Not being used to carry persons

or property for a charge;(3) 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, the in-sured, any of your "employees" or"volunteer workers" or any "em-ployee" or "volunteer worker" of theinsured.

(4) Liability assumed under any "insuredcontract" for the ownership, mainte-nance or use of aircraft or watercraft;or

(5) "Bodily injury" or "property damage"arising out of the operation of any ofthe equipment listed in Paragraphf.(2) or f.(3) of the definition of "mo-bile equipment".

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CL 275(11-85)

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.CG 21 38 11 85

EXCLUSION PERSONAL AND ADVERTISING INJURYThis endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PARTCOVERAGE B (Section I) does not apply and none of the references to it in the Coverage Part apply .

CL 275 (11-85)CG 21 38 11 85 Copyright, Insurance Services Office, Inc., 1984 Page 1 of 1

SAMPLE

CL 699(10-93)

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.CG 21 39 10 93

CONTRACTUAL LIABILITY LIMITATIONThis endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PARTPRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART

The definition of "insured contract" in the DEFINITIONSSection is replaced by the following:

"Insured contract" means:

a. A contract for a lease of premises. However, thatportion of the contract for a lease of premises thatindemnifies any person or organization for damageby fire to premises while rented to you or temporarilyoccupied by you with permission of the owner is notan "insured contract":

b. A sidetrack agreement:

c. Any easement or license agreement, except in con-nection with construction or demolition operations onor within 50 feet of a railroad;

d. An obligation, as required by ordinance, to indemnifya municipality, except in connection with work for amunicipality;

e. An elevator maintenance agreement.

CL 699 (10-93)CG 21 39 10 93 Copyright, Insurance Services Office, Inc., 1992 Page 1 of 1

SAMPLE

A contract for a lease of premises. However, thatSAMPLE

A contract for a lease of premises. However, thatportion of the contract for a lease of premises thatSAMPLE

portion of the contract for a lease of premises thatindemnifies any person or organization for damageSAMPLE

indemnifies any person or organization for damageby fire to premises while rented to you or temporarilySAMPLE

by fire to premises while rented to you or temporarilySAMPLE

occupied by you with permission of the owner is notSAMPLE

occupied by you with permission of the owner is notan "insured contract":

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an "insured contract":

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

LIMITATION OF COVERAGE TO DESIGNATED

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

Copyright, Insurance Services Office, Inc., 1997

SCHEDULE

Premises:

1.

2.

Project:

POLICY NUMBER: COMMERCIAL GENERAL LIABILITYCG 2144 07 98

PREMISES OR PROJECT

CG 2144 07 98 Page 1 of 1

ALL PREMISES

ALL CLASSIFICATIONS

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

LIMITATION OF COVERAGE TO DESIGNATED

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

Copyright, Insurance Services Office, Inc., 1997

SCHEDULE

Premises:

1.

2.

Project:

POLICY NUMBER: COMMERCIAL GENERAL LIABILITYCG 2144 07 98

PREMISES OR PROJECT

CG 2144 07 98 Page 1 of 1

ALL PREMISES

ALL CLASSIFICATIONS

(If no entry appears above, information required to complete this endorsement will be shown in the Declarations asapplicable to this endorsement.)

This insurance applies only to "bodily injury", "property damage", "personal injury", "advertising injury" and medicalexpenses arising out of:

The ownership, maintenance or use of the premises shown in the Schedule and operations necessary or incidentalto those premises; or

The project shown in the Schedule.

(If no entry appears above, information required to complete this endorsement will be shown in the Declarations asapplicable to this endorsement.)

This insurance applies only to "bodily injury", "property damage", "personal injury", "advertising injury" and medicalexpenses arising out of:

The ownership, maintenance or use of the premises shown in the Schedule and operations necessary or incidentalto those premises; or

The project shown in the Schedule.

TMILVAC015438

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COMMERCIAL GENERAL LIABILITYCG 21 45 07 98

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

EXCLUSION - DAMAGE TO PREMISES RENTED TO YOUThis endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

CG 21 45 07 98 Copyright, Insurance Services Office, Inc., 1997 Page 1 of 1

COMMERCIAL GENERAL LIABILITYCG 21 45 07 98

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

EXCLUSION - DAMAGE TO PREMISES RENTED TO YOUThis endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

CG 21 45 07 98 Copyright, Insurance Services Office, Inc., 1997 Page 1 of 1

A. The last paragraph ("Exclusions c. through n. donot apply . . . ") of Paragraph 2., Exclusions underSection I - Coverage A - Bodily Injury And Prop-erty Damage Liability is deleted.

B. The first exception ("Paragraphs (1), (3) and (4) ofthis exclusion do not apply . . . ") to Exclusion j.,Damage To Property of Paragraph 2., Exclusionsof Section I - Coverage A - Bodily Injury AndProperty Damage Liability is deleted.

C. Paragraph 6. of Section III - Limits Of Insuranceis deleted.

D. Any reference in the Declarations to "Damage ToPremises Rented To You" is deleted.

A. The last paragraph ("Exclusions c. through n. donot apply . . . ") of Paragraph 2., Exclusions underSection I - Coverage A - Bodily Injury And Prop-erty Damage Liability is deleted.

B. The first exception ("Paragraphs (1), (3) and (4) ofthis exclusion do not apply . . . ") to Exclusion j.,Damage To Property of Paragraph 2., Exclusionsof Section I - Coverage A - Bodily Injury AndProperty Damage Liability is deleted.

C. Paragraph 6. of Section III - Limits Of Insuranceis deleted.

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COMMERCIAL GENERAL LIABILITYCG 21 60 04 98

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

EXCLUSION - YEAR 2000 COMPUTER-RELATED ANDOTHER ELECTRONIC PROBLEMS

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

CG 21 60 04 98 Copyright, Insurance Services Office, Inc., 1997 Page 1 of 1

The following exclusion is added to Paragraph 2.,Exclusions of Section I - Coverage A - Bodily InjuryAnd Property Damage Liability and Paragraph 2.,Exclusions of Section I - Coverage B - Personal AndAdvertising Injury Liability:

2. Exclusions

This insurance does not apply to "bodily injury" or"property damage", "personal injury" or "advertisinginjury" arising directly or indirectly out of:

a. Any actual or alleged failure, malfunction or in-adequacy of:

(1) Any of the following, whether belonging toany insured or to others:

(a) Computer hardware, including micro-processors;

(b) Computer application software;

(c) Computer operating system and relatedsoftware;

(d) Computer networks;

(e) Microprocessors (computer chips) notpart of any computer system; or

(f) Any other computerized or electronicequipment or components; or

(2) Any other products, and any services, dataor functions that directly or indirectly use orrely upon, in any manner, any of the itemslisted in Paragraph 2.a.(1) of this endorse-ment

due to the inability to correctly recognize, pro-cess, distinguish, interpret or accept the year2000 and beyond.

b. Any advice, consultation, design, evaluation, in-spection, installation, maintenance, repair, re-placement or supervision provided or done byyou or for you to determine, rectify or test for,any potential or actual problems described inParagraph 2.a. of this endorsement.

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SAMPLE of this endorsement.

ATTACHED TO ANDFORMING A PART OF

POLICY NUMBER

ENDORSEMENT EFFECTIVE(STANDARD TIME) INSURED AGENCY AND CODE

MO. DAY YR. 12 01

ENDORSEMENTNO.

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

OPTIONAL PROVISIONS ENDORSEMENT

TAP-128g (10-94)Page 1 of 2

BODILY INJURY AND PROPERTY DAMAGE LIABILITY DEDUCTIBLE ENDORSEMENT

SCHEDULE

Coverage Amount and Basis of Deductible

Bodily Injury Liability

Property Damage Liability

$

$

per claimant

per claimant

Bodily Injury and Property Damage Liability Deductible Endorsement

2.

3.

1.

x

, , ,

X

Personal Injury Liability

Advertising Injury Liability

$

$

per claimant

per claimant

x

x

x

A.M.

500.00

500.00

N/AN/A

APPLICATION OF ENDORSEMENT (Enter below any limi-tations on the application of this endorsement. If no limi-tation is entered, the deductibles apply to damages for all"bodily injury" and "property damage," however caused.):

Our obligation under the Bodily Injury Liability and Prop-erty Damage Liability Coverages to pay damages onyour behalf applies only to the amount of damages inexcess of any deductible amounts stated in theSchedule above as applicable to such coverages, andthe limits of insurance applicable to "each occurrence"for such coverages will be reduced by the amount ofsuch deductible.

"Aggregate" limits for such coverages shall not be re-duced by the application of such deductible amount.

The deductible amounts include all legal and loss adjust-ment expenses.

The deductible amounts stated in the Schedule applyunder the Bodily Injury Liability or Property DamageLiability Coverage, respectively, to all damages becauseof "bodily injury" sustained by one person, or to all dam-ages because of "property damage" sustained by oneperson, any organization, or association or any individualmember of any organization or association as the resultof any one "occurrence."

In consideration of the premium charged, it is agreed that the following special provisions (indicated by an"X") apply to this policy.

Service of Suit ClauseService of Process will be made upon _________________________________________________________________________________________________________________.

Minimum and Advance Premium EndorsementMinimum Premium $ ______________________________________________________.

Minimum Earned PremiumMinimum Earned Premium ____________________________ % of the originalpremium.

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Property Damage Liability

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Bodily Injury and Property Damage Liability Deductible EndorsementSAMPLE

Bodily Injury and Property Damage Liability Deductible Endorsement

Personal Injury Liability

SAMPLEPersonal Injury Liability

Advertising Injury Liability

SAMPLEAdvertising Injury Liability

$

SAMPLE$

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SAMPLEN/A

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SAMPLEService of Process will be made upon _________________________________________________________________________________________________________________.

SAMPLE________________________________________________________________________.

Minimum and Advance Premium Endorsement

SAMPLEMinimum and Advance Premium EndorsementMinimum Premium $ ______________________________________________________.

SAMPLEMinimum Premium $ ______________________________________________________.

Minimum Earned Premium ____________________________ % of the original

SAMPLEMinimum Earned Premium ____________________________ % of the original

SAMPLE

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Page 2 of 2TAP-128g (10-94)

AUTHORIZED REPRESENTATIVE DATE

/

4. 5.

b.

The terms of this insurance, including those with respectto our right and duty to defend any "suits" seeking thosedamages and your duties in the event of an "occurrence,"claim or "suit," apply irrespective of the application of thedeductible amount.

We may pay any part or all of the deductible amount toeffect settlement of any claim or "suit" and, upon notific-ation of the action taken, you shall promptly reimburse usfor such part of the deductible amount as has been paidby us.

MINIMUM AND ADVANCE PREMIUM ENDORSEMENT

Item b. of the Premium Audit Condition (under SECTION IV-COMMERCIAL GENERAL LIABILITY CONDITIONS) ischanged to read:

Premium shown in this Coverage Part as advance premium is a deposit premium only. At the close of each auditperiod we will compute the earned premium for that period. Audit premiums are due and payable to us on notice tothe first Named Insured. If the sum of the advance and audit premiums paid for the policy term is greater than theearned premium, we will return the excess to the first Named Insured, subject to a minimum premium listed in theSchedule above . For purposes of this policy, the terms advance premium, audit premium, earned premium, andminimum premium are defined as follows:

Advance Premium The premium that is stated in the policy declarations and payable in full by the first NamedInsured at the inception of the policy.

Audit Premium The premium that is developed by calculating the difference between the Advance Premium andthe Earned Premium.

Earned Premium The premium that is developed by applying the rate(s) scheduled in the policy to the actualpremium basis for the policy period.

Minimum premium The lowest premium for which this insurance will be written for the policy period.

MINIMUM EARNED PREMIUM

If this policy is cancelled at the request of the INSURED, the total retained by the Company shall not be less than thepercentage of the original premium listed in the Schedule above.

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SAMPLEMinimum premium The lowest premium for which this insurance will be written for the policy period.

MINIMUM EARNED PREMIUM

SAMPLEMINIMUM EARNED PREMIUM

INSURED,

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SAMPLEthe total

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