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Insurance Certificates 2021/22 Greater CV Chamber of CommerceNOTICE OF RESCISSION GREATAMERICAN. INSURANCE GROUP CITY OF LA QUINTA AND ITS 78495 CALLE TAMPICO LA QUINTA CA 92253 date mailed 04/11/2022 NAMED INSURED: GREATER COACHELLA VALLEY 82-921 INDIO BLVD INDIO, CA 92201 ACCOUNT NUMBER: 459318417 For billing inquiries, please contact Great American Insurance Direct Bill Customer Service at (800) 847-4357, option 3. Service hours are 8:00 a.m. to 6:00 p.m. (EST) Monday through Thursday and 8:00 a.m. to 4:30 p.m. on Friday. For questions regarding policy or premiums, please contact your insurance agency. AFFINITY INSURANCE SERVICES 2001 K St Nw Ste 625 Washington, DC 20006-1037 800-432-7465 POLICY POLICY POLICY DESCRIPTION POLICY PERIOD INSURANCE CO SYMBOL NUMBER MOD SPP 1302733 05 SafePak 07/01/2021 - 07/01J2022 Great American Insurance Company Of New York A payment has been received or a premium change has been applied to the above policy. The cancellation/expiration notice previously mailed to you, effective 04/22/2022, is hereby rescinded. Your coverage continues in effect. IF THE CONSIDERATION ACCEPTED BY THE COMPANY AS PAYMENT FOR THIS RESCISSION IS IN THE FORM OF A CHECK OR DRAFT AND THE BANK ON WHICH THAT CHECK OR DRAFT IS DRAWN DISHONORS IT ON PRESENTATION, THIS RESCISSION IS VOID AS OF ITS INCEPTION. Great American Insurance Company I (800) 847-4357 I PO Box 5430, Cincinnati, Ohio 45201-5430 D6200X1BCID29809707295 Page 1 of 1 GREAT AMERICAN INSURANCE COMPANY OF NEW YORK 301 E 4TH STREET CINCINNATI OH 45202-4201 NOTICE OF CANCELLATION OF INSURANCE Named Insured & Mailing Address: GREATER COACHELLA VALLEY CHAMBER OF COMMERCE 82-921 INDIO BLVD INDIO CA 92201 Producer: 488930 AFFINITY INSURANCE SERVICES 2001 K ST NW STE 625 WASHINGTON DC 20006-1037 Policy No.: SPP 1302733 05 Type of Policy: PACKAGE Date of Cancellation: 04/22/2022; 12:01 A.M. Local Time at the mailing address of the Named Insured. We are cancelling this policy. Your insurance will cease on the Date of Cancellation shown above. The reason for cancellation is NONPAYMENT OF PREMIUM If you have any questions, please contact us at 800-847-4357. This policy provides basic property insurance on your property. You should contact your agent concerning coverage through another insurer, or your eligibility for coverage through the California Fair Plan, P.O. Box 76924, Los Angeles, CA 90076, Phone: (800) 339-4099 or www.cfpnet.com. Your interest in this policy as an "insured" or other party of interest is being cancelled effective 04/22/2022; 12:01 A.M. Local Time at the mailing address of the ramed insured. Additional Insured CITY OF LA QUINTA AND ITS OFFICERS AND EMPLOYEES 78495 CALLE TAMPICO LA QUINTA CA 92253 Date Mailed: 1st day of April, 2022 8-)Di�3NO �o BRIGITTE DIGIORGIO CACC19NONPMNT FORM# CC969701 CA102020 04012022MYNY ODEN 3.0.22.02a Copy for Additional Insured Page 1 of 1 NOTICE OF RESCISSION GREATAMER ICAN. INSURANCE GROUP GREATER COACHELLA VALLEY CHAMBER OF COMMERCE 82-921 INDIO BLVD INDIO CA 92201 date mailed 02/08/2022 NAMED INSURED: GREATER COACHELLA VALLEY 82-921 INDIO BLVD INDIO, CA 92201 ACCOUNT NUMBER: 459318417 For trilfing inquiries, please contact Great American Insurance Direct Bill Customer Service at (800) 6474357, option 3. Service hours are 8:00 a.m. to 6:00 p.m. (EST) Monday through Thursday and 8:00 a.m. to 4:30 p.m. on Friday. For questions +e3?rding policy or premiums, please contact your insurance agency. AFFINITY INSURANCE SERVICES 2001 K St Nw Ste 625 Washington, DC 20006-1037 800-432-7465 POLICY POLICY POLICY DESCRIPTION POLICY PERIOD INSURANCE CO SYMBOL NUMBER MOD SPP 1302733 05 SafePak 07I0112021 - 07/01/2022 Great American Insurance Company Of New York A payment has been received or a premium change has been applied to the above policy. The cancellation/expiration notice previously mailed to you, effective 02/23/2022, is hereby rescinded. Your coverage continues in effect. F1IF THE CONSIDERATION ACCEPTED BY THE COMPANY AS PAYMENT FOR THIS RESCISSION IS IN THE FORM OF A CHECK OR DRAFT AND THE BANK ON WHICH THAT CHECK OR DRAFT IS DRAWN DISHONORS IT ON PRESENTATION, THIS RESCISSION IS VOID AS OF ITS INCEPTION. Great American Insurance Company 1(800) 847-43571 PO Box 5430, Cincinnati, Ohio 45201-5430 Page 1 of 1 52200X1BCID29074997319 GREAT AMERICAN INSURANCE COMPANY OF NEW YORK 301 E 4TH STREET CINCINNATI OH 45202-4201 NOTICE OF CANCELLATION OF INSURANCE Named Insured & Mailing Address: GREATER COACHELLA VALLEY CHAMBER OF COMMERCE 82-921 INDIO BLVD INDIO CA 92201 Producer: 488930 AFFINITY INSURANCE SERVICES 2001 K ST NW STE 625 WASHINGTON DC 20006-1037 Policy No.: SPP 1302733 05 Type of Policy: PACKAGE Date of Cancellation: 02/23/2022; 12:01 A.M. Local Time at the mailing address of the Named Insured. We are cancelling this policy. Your insurance will cease on the Date of Cancellation shown above. The reason for cancellation is NONPAYMENT OF PREMIUM If you have any questions, please contact us at 800-847-4357. This policy provides basic property insurance on your property. You should contact your agent concerning coverage through another insurer, or your eligibility for coverage through the California Fair Plan, P.O. Box 76924, Los Angeles, CA 90076, Phone: (800) 339-4099 or www.cfpnet.com. Your interest in this policy as an "insured" or other party of interest is being cancelled effective 02/23/2022; 12.01 A.M. Local Time at the mailing address of the named insured. Additional Insured CITY OF LA QUINTA AND ITS OFFICERS AND EMPLOYEES 78495 CALLE TAMPICO LA QUINTA CA 92253 Date Mailed: 2nd day of February, 2022 8, 01,�Nojq�o BRIGITTE DIGIORGIO CACC19NONPMNT FORM# CC969701 CA102020 02022022MYNY ODEN 3.0.21.12a Copy for Additional Insured Page 1 of 1 06/28/2021 McClatchy Insurance Agency License #0724020 2410 Fair Oaks Blvd, Suite 140 Sacramento CA 95825 Shelley Self (916) 488-4702 (916) 488-2336 Shelley@McClatchyins.com Greater Coachella Valley Chamber of Commerce 82921 Indio Blvd Indio CA 92201 Great American Insurance Co 16691 USLI 25895 CL2162816994 A Y SPP1302733 07/01/2021 07/01/2022 2,000,000 1,000,000 10,000 2,000,000 4,000,000 4,000,000 A SPP1302733 07/01/2021 07/01/2022 Hired/borrowed 1,000,000 A SPP1302733 07/01/2021 07/01/2022 2,000,000 2,000,000 B Directors & Officers NDO1570471C 06/24/2021 06/24/2024 General Aggregate $2,000,000 Each Occurence $2,000,000 RE: Additional Insured per written contract/agreement. The City of La Quinta and its officers and employees are included as additional insured with respects to General Liability, per terms and conditions of policy -- AI Policy form BP 86 68 (P. 74 -84). Insurance is primary and non-contributory. Waiver of Subrogation applies on general liability. City of La Quinta 78495 Calle Tampico La Quinta CA 92253 SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. INSURER(S) AFFORDING COVERAGE INSURER F : INSURER E : INSURER D : INSURER C : INSURER B : INSURER A : NAIC # NAME:CONTACT (A/C, No):FAX E-MAILADDRESS: PRODUCER (A/C, No, Ext):PHONE INSURED REVISION NUMBER:CERTIFICATE NUMBER:COVERAGES IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. OTHER: (Per accident) (Ea accident) $ $ N / A SUBR WVD ADDL INSD THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. $ $ $ $PROPERTY DAMAGE BODILY INJURY (Per accident) BODILY INJURY (Per person) COMBINED SINGLE LIMIT AUTOS ONLY AUTOSAUTOS ONLY NON-OWNED SCHEDULEDOWNED ANY AUTO AUTOMOBILE LIABILITY Y / N WORKERS COMPENSATION AND EMPLOYERS' LIABILITY OFFICER/MEMBER EXCLUDED? (Mandatory in NH) DESCRIPTION OF OPERATIONS below If yes, describe under ANY PROPRIETOR/PARTNER/EXECUTIVE $ $ $ E.L. DISEASE - POLICY LIMIT E.L. DISEASE - EA EMPLOYEE E.L. EACH ACCIDENT EROTH-STATUTEPER LIMITS(MM/DD/YYYY)POLICY EXP(MM/DD/YYYY)POLICY EFFPOLICY NUMBERTYPE OF INSURANCELTRINSR DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) EXCESS LIAB UMBRELLA LIAB $EACH OCCURRENCE $AGGREGATE $ OCCUR CLAIMS-MADE DED RETENTION $ $PRODUCTS - COMP/OP AGG $GENERAL AGGREGATE $PERSONAL & ADV INJURY $MED EXP (Any one person) $EACH OCCURRENCE DAMAGE TO RENTED $PREMISES (Ea occurrence) COMMERCIAL GENERAL LIABILITY CLAIMS-MADE OCCUR GEN'L AGGREGATE LIMIT APPLIES PER: POLICY PRO-JECT LOC CERTIFICATE OF LIABILITY INSURANCE DATE (MM/DD/YYYY) CANCELLATION AUTHORIZED REPRESENTATIVE ACORD 25 (2016/03) © 1988-2015 ACORD CORPORATION. All rights reserved. CERTIFICATE HOLDER The ACORD name and logo are registered marks of ACORD HIRED AUTOS ONLY CERTIFICATE OF LIABILITY INSURANCE DATE(MM/DD/YYYY) THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER PAYCHEX INSURANCE AGENCY, INC. 150 SAWGRASS DRIVE ROCHESTER, NY 14620 CONTACT NAME: PHONE FAX (A/C, NO. EXT):(A/C, No): E-MAIL ADDRESS: INSURER(S) AFFORDING COVERAGE NAIC # INSURER A: INSURER B: INSURER C: INSURER D: INSURER E: INSURER F: INSURED COVERAGES CERTIFICATE NUMBER: REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR LTR TYPE OF INSURANCE ADDL SUBR POLICY NUMBER POLICY EFF POLICY EXP LIMITS INSR WVD (MM/DD/YYYY)(MM/DD/YYYY) GENERAL LIABILITY COMMERCIAL GENERAL LIABILITY CLAIMS-MADE OCCUR GEN'L AGGREGATE LIMIT APPLIES PER: POLICY PROJECT LOC AUTOMOBILE LIABILITY ANY AUTO ALL OWNED SCHEDULED AUTOS AUTOS NON-OWNED HIRED AUTOS AUTOS UMBRELLA LIAB OCCUR EXCESS LIAB CLAIMS-MADE DED RETENTION $ WORKERS COMPENSATION AND EMPLOYERS' LIABILITYA ANY PROPRIETOR/PARTNER/EXECUTIVE OFFICER/MEMBER EXCLUDED?Y/N (Mandatory in NH) If yes, describe under DESCRIPTION OF OPERATIONS below DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (Attach ACORD 101, Additional Remarks Schedule, if more space is required) EACH OCCURRENCE DAMAGE TO RENTED PREMISES (Ea occurrence) MED EXP (Any one person) PERSONAL & ADV INJURY GENERAL AGGREGATE PRODUCTS - COMP/OP AGG COMBINED SINGLE LIMIT (Ea accident) BODILY INJURY (Per person) BODILY INJURY (Per accident) PROPERTY DAMAGE (Per accident) EACH OCCURRENCE AGGREGATE WC STATU- TORY LIMITS OTH- ER E.L. EACH ACCIDENT E.L. DISEASE - EA EMPLOYEE E.L. DISEASE - POLICY LIMIT $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ CERTIFICATE HOLDER CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. AUTHORIZED REPRESENTATIVE ACORD 25 (2016/03)©1988-2016 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD 07/02/2021 GREATER COACHELLA VALLEY CHAMBER OF COMMERCE (NOT FOR PROFI 1258 SIXTH ST COACHELLA, CA 92236 Paychex Insurance Agency Inc 877-266-6850 585-389-7426 Certs@paychex.com Sequoia Insurance Company 22985 06/24/2021 06/24/2022QWC1154266 City of La Quinta 78495 Calle Tampico La Quinta, CA 92253 Y N/A X 1,000,000.00 1,000,000.00 1,000,000.00 WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT - CALIFORNIA We have the right to recover our payments from anyone liable for an injury covered by this policy. We will not enforce our right against the person or organization named in the Schedule. (This agreement applies only to the extent that you perform work under a written contract that requires you to obtain this agreement from us.) You must maintain payroll records accurately segregating the remuneration of your employees while engaged in the work described in the Schedule. The additional premium for this endorsement shall be 2% of the California workers' compensation premium otherwise due on such remuneration. WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 04 03 06 (Ed. 04-84) Schedule Person or Organization Job Description Any person or organization as required by written contract. This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated. (The information below is required only when this endorsement is issued subsequent to preparation of the policy.) Endorsement Effective 6/24/2021 Policy No.QWC1154266 Endorsement No.0 Insured Greater Coachella Valley Chamber of Commerce (Not for Profit)Premium $3,623 Insurance Company Sequoia Insurance Company Countersigned by WC 04 03 06 (Ed. 04-84) Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 1 of 92) PART ONE - SAFEPAK SPECIAL PROPERTY COVERAGE FORM Various provisions in this Policy restrict coverage.Read the entire P olicy carefully to determine rights, duties and what 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 Paragraph G- PROPERTY DEFINITIONS. A. COVERAGE We will pay for direct physical loss of or damage to Covered Property at the premises described in the Declarations caused by or resulting from any Covered Cause of Loss. 1. Covered Property Covered Property, includes Buildings as described under Paragraph a.below, Business Personal Property as described under Paragraph b.below, or both, depending on whether a Limit of Insurance is shown in the Declarations for that type of property.Regardless of whether coverage is shown in the Declarations for Buildings, Business Personal Property, or both, there is no coverage for property described under Paragraph 2.Property Not Covered. a.Buildings, meaning the buildings and structures at the premises described in the Declarations, including: (1)completed additions; (2)all garages, storage buildings and other structures that pertain to your business; (3)fixtures, including out door fixtures; (4)permanently installed: (a)machinery; and (b)equipment; (5)your personal pr operty in apartments or rooms furnished by you as landlord; (6)personal pr operty owned by you that is used to maintain or service the buildings or structures or the premises, including: (a)fire extinguishing equipment; (b)outdoor furniture; (c)floor coverings; (d)appliances used for refrigerating, ventilating, cook ing, dishwashing or laundering; R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 2 of 92) (e)lobby and hallway furnishings; (f)lawn maintenance and snow removal equipment; and (g)alarm systems. (7)if not covered by other insurance: (a)additions under construction, alterations and repairs to the buildings or structures; (b)materials,equipment, supplies and temporary structures, on or within 1,000 feet of the described premises, used for making additions, alterations or repairs to the buildings or structures. b.Business Personal Pr operty located in or on the buildings or structures at the described premises or in the open (or in a vehicle) within 1,000 feet of the buildings or structures or within 1,000 feet of the premises described in the Declarations,whichever distance is greater, including: (1)property you own that is used in your business; (2)property of others that is in your care, custody or control, except as otherwise provided in E. PROPERTY LOSS CONDITIONS,5. Loss Payment,d.(3); (3)tenants' improvements and betterments. Improvements and betterments are fixtures, alterations, installations or additions: (a)made a part of the building or structure you occupy but do not own; and (b)you acquired or made at your expense but cannot legally remove; (4)leased personal pr operty for which you have a contractual responsibility to insure, unless otherwise provided for under paragraph A.1.b.(2); and (5)tools and equipment owned by your employees, which are used in your business "operations". 2. Property Not Covered Covered Property does not include: a.aircraft, automobiles, motor trucks and other vehicles subject to motor vehicle registration; b."money" or "securities" except as provided in the: (1) "Money" and "Securities"Additional Coverage; or (2) Employee Dishonesty (including ERISA)Additional Coverage; c.contraband, or pr operty in the course of illegal transportation or trade; d.land (including land on which the pr operty is located), water, growing crops or lawns (other than lawns which are part of a vegetated roof); e.the following property while outside of buildings: R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 3 of 92) (1)fences, trees, shrubs, and plants (other than trees, shrubs or plants held for sale or sold but not delivered or which are part of a vegetated roof); (2)outdoor radio or television antennas (including satellite dishes) and their lead-in wiring, masts or towers; or (3)signs except as provided in the: (a)Additional Coverage for Outdoor Signs;or (b)Coverage Extension for Outdoor Property; f.watercraft (including motors,equipment and accessories) while afloat; g.accounts, bills,deeds, food stamps, other evidences of debt, accounts receivable or "valuable papers and records", except as otherwise provided in the Additional Coverage for "Valuable Papers and Records"or elsewhere in this Policy; h.the cost to research, replace or restore the information on "valuable papers and records", including those which exist on electronic or magnetic media, except as provided in the Additional Coverages for "Valuable Papers and Records"and Loss Data Preparation; i.exterior and interior glass, except: (1)glass building blocks; and (2)as provided in the Additional Coverage for Building Glass; j.animals,unless owned by others and boarded by you, or if owned by you, only as "stock" while inside of buildings. k.electronic "data", except as provided under Additional Coverages - Electronic Data. This Paragraph k.does not apply to your "stock" of prepackaged software or to electronic "data" which is integrated in and operates or controls the building's elevator,lighting, heating, ventilation, air conditioning or security system. 3. Covered Causes of Loss Direct physical loss unless the loss is excluded or limited under the SAFEPAK SPECIAL PROPERTY COVERAGE FORM. 4. Limitations a.We will not pay for loss of or damage to: (1)The interior of any building or structure, or to personal pr operty in the building or structure, caused by or resulting from rain, s now, sleet, ice, sand or dust, whether driven by wind or not,unless: (a)the building or structure first sustains damage by a Covered Cause of Loss to its roof or walls through which the rain, snow, sleet, ice, sand or dust enters; or (b)the loss or damage is caused by or results from thawing of snow, sleet or ice on the building or structure. R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 4 of 92) (2)Animals and then only if they are killed, or their destruction is made necessary and the loss or damage is caused by the "specif ied causes of loss",building glass breakage or they are stolen. (3)Steam boilers, steam pipes, steam engines or steam turbines caused by or resulting from any condition or event inside such equipment. But we will pay for loss of or damage to such equipment caused by or resulting from an explosion of gases or fuel within the furnace of any fired vessel or within the flues or passages through which the gases of combustion pass. (4)Hot water boilers or other water heating equipment caused by or resulting from any condition or event inside such boilers or equipment, other than an explosion. (5)Property that is missing, but there is no physical evidence to show what happened to it, such as shortage disclosed on taking inventory. This limitation does not apply to the Additional Coverage for "Money" and "Securities". (6)Property that has been transferred to a person or to a place outside the described premises on the basis of unauthorized instructions. (7)Lawns, trees, shrubs or plants which are part of a vegetated roof, caused by or resulting from: (a)dampness or dryness of atmosphere or of soil supporting the vegetation; (b)changes in or extremes of temperature; (c)disease; (d)frost or hail; or (e)rain, snow, ice or sleet. b.We will not pay for loss of or damage to fragile articles such as glassware, statuary, marbles, chinaware and porcelains, if broken,unless caused by the "specified causes of loss" or building glass breakage. This restriction does not apply to: (1)glass that is part of the inter ior of a building or structure; (2)containers of pr operty held for sale; or (3)photographic or scientific instrument lenses. c.For loss or damage by theft, the following types of property are covered only up to the limits shown: (1)$2,500 for furs, fur garments and garments trimmed with fur. (2)$5,000 for jewelry, watches, watch movements, jewels,pearls, precious and semiprecious stones,bullion, gold, silver, platinum and other prec ious alloys or metals. This limit does not apply to jewelry and watches worth $500 or less per item. R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 5 of 92) (3)$2,500 for patterns, dies, molds and forms. 5. Additional Coverages Unless otherwise stated, payments made under the following Additional Coverages will not increase the applicable Limits of Insurance. a. Accounts Receivable (1)This Additional Coverage applies only when a Limit of Insurance for Business Personal Property is shown in the Declarations. We will pay: (a)all amounts due from your customers that you are unable to c ollect; (b)interest charges on any loan required to offset amounts you are unable to c ollect pending our payment of these amounts; (c)collection expenses in excess of your normal collection expenses that are made necessary by loss or damage; and (d)other reasonable expenses that you incur to reestablish your records of accounts receivable; that result from direct physical loss or damage by any Covered Cause of Loss to your records of accounts receivable. (2)The most we will pay under this Additional Coverage for the sum of all loss and damage resulting from any one occurrence per described premises is $25,000,unless a higher Limit of Insurance for accounts receivable is s hown in the Declarations. For accounts receivable not at the described premises, the most we will pay is $25,000 in any one occurrence. (3)Section B. Exclusions of this Coverage Form does not apply to this Coverage Extension except for: (a)paragraph B.1.c.,Governmental Action; (b)paragraph B.1.d.,Nuclear Hazard; (c)paragraph B.1.f.,War and Military Action; (d)paragraph B.2.g.,Dishonesty; (e)paragraph B.2.h.,False Pretenses; (f)paragraph B.3.; and (g)the Accounts Receivable and "Valuable Papers and Records"Exclusions. b. Arson and Theft Reward We will pay a reward of $10,000 for information leading to: (1)an arson conviction in connection with a covered fire or explosion loss; or R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 6 of 92) (2)a theft conviction in connection with a covered theft loss. This is the most we will pay for any one occurrence under this Policy or any combination of policies. c. Collapse The coverage provided under this Additional Coverage-Collapse applies only to abrupt collapse as described and limited in Paragraphs c.(1)through c.(7). (1)For the purpose of the Additional Coverage-Collapse, abrupt collapse means an abrupt falling down or caving in of a building or any part of a building with the result that the building or part of the building cannot be occupied for its intended purpose. (2)We will pay for direct physical loss or damage to Covered Property caused by an abrupt collapse of a building or any part of a building insured under this Policy, if such collapse is caused by one or more of the following: (a)building decay that is hidden from view,unless the presence of such decay is known to an insured prior to collapse; (b)insect or vermin damage that is hidden from view,unless the presence of such damage is known to an insured prior to collapse; (c)use of defective material or methods in construction, remodeling or renovation if the abrupt collapse occurs during the course of the construction, remodeling or renovation. (d)use of defective material or methods in construction, remodeling or renovation if the abrupt collapse occurs after the construction, remodeling or renovation is complete, but only if the collapse is caused in part by: (i)a cause of loss listed in Paragraphs (2)(a)or (2)(b); (ii)one or more of the "specified causes of loss"; (iii)breakage of building glass; (iv)weight of people or personal property; or (v)weight of rain that collects on a roof. (3)This Additional Coverage-Collapse does not apply to: (a)a building or any part of a building that is in danger of falling down or caving in; (b)a part of a building that is standing, even if it has separated from another part of the building; or (c)a building that is standing or any part of a building that is standing, even if it s hows evidence of cracking, bulging, sagging,bending,leaning, settling, shrinkage or expansion. R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 7 of 92) (4)With respect to the following property: (a)awnings; (b)gutters and downspouts; (c)yard fixtures; (d)outdoor swimming pools; (e)piers, wharves and docks; (f)beach or diving platforms or appurtenances; (g)retaining walls; and (h)walks, roadways and other paved surfaces; if an abrupt collapse is caused by a cause of loss listed in (2)(a)through (2)(d),we will pay for loss or damage to that property only if such loss or damage is a direct result of the abrupt collapse of a building insured under this Policy and the pr operty is Covered Property under this Policy. (5)If personal pr operty abruptly falls down or caves in and such collapse is not the result of abrupt collapse of a building, we will pay for loss or damage to Covered Property caused by such collapse of personal pr operty only if: (a)the collapse of personal pr operty was caused by a cause of loss listed in Paragraphs (2)(a)through (2)(d)of this Additional Coverage; (b)the personal pr operty which collapses is inside a building; and (c)the property which collapses is not of a kind listed in Paragraph (4)regardless of whether that kind of property is considered to be personal pr operty or real property. The coverage stated in this Paragraph (5)does not apply to personal pr operty if marring and/or scratching is the only damage to that personal pr operty caused by the collapse. (6)This Additional Coverage-Collapse does not apply to personal pr operty that has not abruptly fallen down or caved in, even if the personal pr operty shows evidence of settling, cracking, shrinkage, sagging, bending,leaning,bulging or expansion. (7)This Additional Coverage-Collapse will not increase the Limits of Insurance provided in this Policy. (8)The term Covered Cause of Loss includes Additional Coverage-Collapse as described in Paragraphs c.(1)through c.(7). R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 8 of 92) d. Debris Removal (1)Subject to Paragraphs (2),(3)and (4), we will pay your expense to remove debris of Covered Property and other debris that is on the described premises, when such debris is caused by or results from a Covered Cause of Loss that occurs during the policy period. The expenses will be paid only if they are r eported to us in writing within 180 days of the date of direct physical loss or damage. (2)This Additional Coverage does not apply to costs to: (a)remove debris of pr operty of yours that is not insured under this Policy, or property in your possession that is not Covered Property; (b)remove debris of pr operty owned by or leased to the landlord of the building where your described premises are located,unless you have a contractual responsibility to insure such pr operty and it is insured under this Policy; (c)remove any property that is Property Not Covered, including pr operty addressed under the Outdoor Property Coverage Extension; (d)remove property of others of a type that would not be Covered Property under this Policy; (e)remove deposits of mud or earth from the grounds of the described premises; (f)extract "pollutants" from land; or (g)remove, restore or replace polluted land or water. (3)Subject to the exceptions in Paragraph (4), the following provisions apply: (a)the most we will pay for the direct physical loss or damage,plus debris removal expense, is the Limit of Insurance applicable to the Covered Pr operty that has sustained loss or damage. (b)subject to Paragraph (3)(a)above, the amount we will pay for debris removal expense is 25% of the sum of the deductible plus the amount that we pay for direct physical loss or damage to the Covered Property that has sustained loss or damage.However, if no Covered Property has sustained direct physical loss or damage, the most we will pay for removal of debris of "other property" (if such removal is covered under this Additional Coverage) is $5,000 at each location. (4)We will pay up to an additional $25,000 for debris removal expense, for each location, in any one occurrence of physical loss or damage to Covered Property, if one or both of the following circumstances apply: (a)the total of the actual debris removal expense plus the amount we pay for direct physical loss or damage exceeds the Limit of Insurance on the Covered Property that has sustained loss or damage. (b)the actual debris removal expense exceeds 25% of the sum of the deductible plus the amount that we pay for direct physical loss or damage to the Covered Pr operty that has sustained loss or damage. R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 9 of 92) Therefore, if Paragraphs (4)(a)and/or (4)(b)apply, our total payment for direct physical loss or damage and debris removal expense may reach but will never exceed the Limit of Insurance on the Covered Property that has sustained loss or damage,plus $25,000. (5) Examples Example #1 Limit of Insurance $90,000 Amount of Deductible $500 Amount of Loss $50,000 Amount of Loss Payable $49,500 ($50,000-$500) Debris Removal Expense $10,000 Debris Removal Expense Payable $10,000 ($10,000 is 20% of $50,000) The debris removal expense is less than 25% of the sum of the loss payable plus the deductible. The sum of the loss payable and the debris removal expense ($49,500 + $10,000 =$59,500) is less than the Limit of Insurance. Therefore, the full amount of debris removal expense is payable in accordance with the terms of Paragraph (3). Example #2 Limit of Insurance $90,000 Amount of Deductible $500 Amount of Loss $80,000 Amount of Loss Payable $79,500 ($80,000-$500) Debris Removal Expense $40,000 Debris Removal Expense Payable Basic Amount $10,500 Additional Amount $25,000 The basic amount payable for debris removal expense under the terms of Paragraph (3) is calculated as follows:$80,000 ($79,500 + $500) x .25 = $20,000; capped at $10,500. The cap applies because the sum of the loss payable ($79,500) and the basic amount payable for debris removal expense ($10,500)cannot exceed the Limit of Insurance ($90,000). The additional amount payable for debris removal expense ($40,000) exceeds 25% of the loss payable plus the deductible ($40,000 is 50% of $80,000), and because the sum of the loss payable and debris removal expense ($79,500 +$40,000 = $119,500) R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 10 of 92) would exceed the Limit of Insurance ($90,000). The additional amount of covered debris removal expense is $25,000, the maximum payable under paragraph (4). Thus, the total payable for debris removal expense in this example is $35,500; $4,500 of the debris removal expense is not covered. e. Fire Department Service Charge When the fire department is called to save or protect Covered Pr operty from a Covered Cause of Loss, we will pay up to $15,000, for service at each premises described in the Declarations. Such limit is the most we will pay regardless of the number of responding fire departments or fire units, and regardless of the number or type of services performed . This Additional Coverage applies to your liability for fire department service charges: (1)assumed by contract or agreement prior to loss; or (2)required by local ordinance. f. Hand-Held Fire Extinguisher and Fire Extinguisher System Recharge Expense (1) Hand-Held Fire Extinguishers We will pay to cover your expenses for recharge, of your hand-held fire extinguishers when they are emptied while fighting fire. (2) Fire Extinguisher Systems (a)We will pay: (i)the cost of recharging or replacing,whichever is less, your fire extinguishing systems (including hydrostatic testing if needed) if they are discharged on or within 1,000 feet of the described premises; and (ii)for loss or damage to Covered Property if such loss or damage is the result of an accidental discharge (b)No coverage will apply if the fire extinguishing system is discharged during installation or testing. (c)The most we will pay under this Additional Coverage is $5,000 in any one occurrence. g. "Money" and "Securities" (1)We will pay for loss of "money" and "securities" used in your business while at a bank or savings institution, within your living quarters or the living quarters of your partners or any employee having use and custody of the property, at the described premises, or in transit between any of these places, resulting directly from: (a)theft, meaning any act of stealing; (b)disappearance; or (c)destruction. R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 11 of 92) (2)In addition to the Limitations and Exclusions applicable to pr operty coverage, we will not pay for loss: (a)resulting from accounting or arithmetical errors or omissions; (b)due to the giving or surrendering of pr operty in any exchange or purchase; or (c)of property contained in any "m oney"-operated device unless the amount of "money"deposited in it is recorded by a continuous recording instrument in the device. (3)The most we will pay for loss in any one occurrence is: (a)the limit shown in the Declarations for Inside the Premises for "money" and "securities" while: (i)in or on the described premises; or (ii)within a bank or savings institution; and (b)the limit shown in the Declarations for Outside the Premises for "money" and "securities" while anywhere else. (4)All loss: (a)caused by one or more persons; or (b)involving a single act or series of related acts; is considered one occurrence. (5)You must keep records of all "money" and "securities" so we can verify the amount of any loss or damage. h. Preservation of Property If it is necessary to move Covered Property from the described premises to preserve it from loss or damage by a Covered Cause of Loss, we will pay for any direct physical loss of or damage to that property: (1)while it is being moved or while temporarily stored at another location; and (2)only if the loss or damage occurs within 30 days after the property is first moved. i. Theft Damage to Building We will pay for loss or damage directly resulting from theft or burglary to a building you occupy as a tenant, and for such loss or damage to the following kinds of pr operty in that building: (1)covered personal pr operty that is used to maintain or service the building; and (2)covered personal property, if you are legally liable for such loss or damage. R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 12 of 92) But, we will not pay for such loss or damage: (3)caused by or resulting from fire or explosion; (4)to property away from the described premises; or (5)to glass (other than glass building blocks),glass lettering or glass ornamentation. This Additional Coverage applies only to premises you occupy both: (a)as a tenant; and (b)under a lease that makes you responsible for such loss or damage. j. Water Damage, Other Liquids, Powder or Molten Material Damage If loss or damage caused by or resulting from a covered water or other liquid,powder or molten material damage loss occurs, we will also pay the cost to tear out and replace any part of the building or structure to repair damage to the system or appliance from which the water or other substance escapes. We will not pay the cost to repair any defect that caused the loss or damage; but we will pay the cost to repair or replace damaged parts of fire extinguishing equipment if the damage: (1)results in discharge of any substance from an automatic fire protection system; or (2)is directly caused by freezing. k. Business Income (1) Business Income (a)We will pay for the actual loss of Business Income you sustain due to the necessary "suspension" of your "operations" during the "period of restoration". The "suspension" must be caused by direct physical loss of or damage to pr operty at the described premises. The loss or damage must be caused by or result from a Covered Cause of Loss. With respect to loss of or damage to pers onal pr operty in the open or personal pr operty in a vehicle, the described premises includes the area within 1,000 feet of such premises. With respect to the requirements set forth in the preceding paragraph, if you occupy only part of a building, your premises mean: (i)the portion of the building which you rent,lease or occupy; (ii)the area within 1,000 feet of the building or within 1,000 feet of the premises described in the Declarations,whichever distance is greater (with respect to loss of or damage to personal pr operty in the open or personal pr operty in a vehicle); and (iii)any area within the building or at the described premises, if that area services, or is used to gain access to, the portion of the building which you rent,lease or occupy. R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 13 of 92) (b)We will only pay for loss of Business Income that you sustain during the "period of restoration" and that occurs within 12 consecutive months after the date of direct physical loss or damage. (c)Business Income means the: (i)Net Income (Net Profit or Loss before income taxes) that would have been earned or incurred if no physical loss or damage had occurred, but not including any Net Income that would likely have been earned as a result of an increase in the volume of business due to favorable business conditions caused by the impact of the Covered Cause of Loss on customers or on other businesses; and (ii)continuing normal operating expenses incurred, including payroll. (2) Extended Business Income. (a)If the necessary "suspension" of your "operations" produces a Business Income loss payable under this Policy, we will pay for the actual loss of Business Income you incur during the period that: (i)begins on the date pr operty except finished "stock" is actually repaired, rebuilt or replaced and "operations" are resumed; and (ii)ends on the earlier of: i.the date you could restore your "operations", with reasonable speed, to the level which would generate the Business Income amount that would have existed if no direct physical loss or damage had occurred; or ii.60 consecutive days after the date determined in (a)(i)above. However, Extended Business Income does not apply to loss of Business Income incurred as a result of unfavorable business conditions caused by the impact of the Covered Cause of Loss in the area where the described premises are located. (b)Loss of Business Income must be caused by direct physical loss or damage at the described premises caused by or resulting from any Covered Cause of Loss. (3)This Additional Coverage is not subject to the Limits of Insurance. l. Business Income Extension for Web sites We will pay for loss of Business Income you sustain due to the necessary interruption of business "operations" on your Web site, caused by or resulting from direct physical loss of or damage to the premises of a vendor acting as your Web site's host or your internet service provider. Such interruption must be caused by or result from a Covered Cause of Loss. We will only pay for loss you sustain during the seven (7) day period immediately following the first twelve (12)hours after the Covered Cause of Loss occurs. R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 14 of 92) This coverage applies only: (1)if you have a back-up copy of your Web site stored at a location other than that of either the Web site's host or the internet service provider; and (2)to the extent that Business Income is permanently lost. The most we will pay under this Additional Coverage, for the sum of all loss and damage as a result of any one occurrence, is $10,000. m. Extra Expense (1)We will pay necessary Extra Expense you incur during the "period of restoration" that you would not have incurred if there had been no direct physical loss or damage to property at the described premises. The loss or damage must be caused by or result from a Covered Cause of Loss. With respect to loss of or damage to pers onal property in the open or personal pr operty in a vehicle, the described premises include the area within 1,000 feet of such premises. With respect to the requirements set forth in the preceding paragraph, if you occupy only part of a building, your premises mean: (a)the portion of the building which you rent,lease or occupy; (b)the area within 1,000 feet of the building or within 1,000 feet of the premises described in the Declarations,whichever distance is greater (with respect to loss of or damage to personal pr operty in the open or personal pr operty in a vehicle); and (c)any area within the building or at the described premises, if that area services, or is used to gain access to, the portion of the building which you rent,lease or occupy. (2)Extra Expense means ex pense incurred: (a)to avoid or minimize the "suspension" of business and to continue "operations": (i)at the described premises; or (ii)at replacement premises or at temporary locations, including relocation expenses, and costs to equip and operate the replacement or temporary locations. These costs do not include costs necessary to repair or replace damaged "stock" and equipment. (b)to minimize the "suspension"of business if you cannot continue "operations". (c)to: (i)repair or replace any property; or (ii)research, replace or restore the lost information on damaged "valuable papers and records" to the extent it reduces the amount of loss that otherwise would have been payable under this Additional Coverage or Additional Coverage k. Business Income. R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 15 of 92) (3)We will only pay for Extra Expense that occurs within 12 consecutive months after the date of direct physical loss or damage. This Additional Coverage is not subject to the Limits of Insurance. n. Business Income From Dependent Properties (1)We will pay for the actual loss of Business Income you sustain due to physical loss or damage at the premises of a dependent pr operty or secondary dependent pr operty caused by or resulting from any Covered Cause of Loss. The most we will pay under this Additional Coverage, for the sum of all loss of Business Income as a result of any one occurrence, is $25,000. (2)We will reduce the amount of your Business Income loss, othe r than Extra Expense, to the extent you can resume "operations", in whole or in part, by using any other available: (a)source of materials; or (b)outlet for your products. (3)If you do not resume "operations", or do not resume "operations" as quickly as possible, we will pay based on the length of time it would have taken to resume "operations" as quickly as possible. (4)Dependent pr operty means pr operty owned by others whom you depend on to: (a)deliver materials or services to you, or to others for your account. But services does not mean water supply services, wastewater removal services, communication supply services or power supply services; (b)accept your products or services; (c)manufacture your products for delivery to your customers under contract for sale; or (d)attract customers to your business. The dependent pr operty must be located in the coverage territory of this Policy. (5)Secondary dependent pr operty means an entity which is not owned or operated by a dependent pr operty and which: (a)delivers materials or services to a dependent pr operty, which in turn are used by the dependent pr operty in providing materials or services to you; or (b)accepts materials or services from a dependent pr operty, which in turn accepts your materials or services. A road, bridge, tunnel, waterway, airfield,pipeline or any other similar area or structure is not a secondary dependent property. Any property which delivers any of the following services is not a secondary dependent pr operty with respect to such services: (i)water supply services; R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 16 of 92) (ii)wastewater removal services; (iii)communication supply services; or (iv)power supply services. The secondary dependent pr operty must be located in the coverage territory of this Policy. (6)The coverage period for Business Income under this Additional Coverage: (a)begins 72 hours after the time of direct physical loss or damage caused by or resulting from any Covered Cause of Loss at the premises of the dependent property or secondary dependent property; and (b)ends on the date when the pr operty at the premises of the dependent pr operty or secondary dependent pr operty should be repaired, rebuilt or replaced with reasonable speed and similar quality. (7)The Business Income coverage period, as stated in paragraph (6), does not include any increased period required due to the enforcement of or compliance with any ordinance or law that: (a)regulates the construction, use or repair, or requires the tearing down of any property; or (b)requires any insured or others to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way res pond to, or assess the effects of, "pollutants". The expiration date of this Policy will not reduce the Business Income coverage period. (8)The definition of Business Income contained in the Business Income Additional Coverage also applies to this Business Income from Dependent Properties Additional Coverage. o. Pollutant Clean Up and Removal We will pay your expense to extract "pollutants" from land or water at the described premises if the discharge, dispersal, seepage, migration, release or escape of the "pollutants" is caused by or results from a Covered Cause of Loss that occurs during the policy period. The expenses will be paid only if they are r eported to us in writing within 180 days of the date on which the Covered Cause of Loss occurs. This Additional Coverage does not apply to costs to test for, monitor or assess the existence, concentration or effects of "pollutants" from the land or water. The most we will pay for each location under this Additional Coverage is $25,000 for the sum of all such expenses arising out of Covered Causes of Loss occurring during each separate 12 month period of this Policy. R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 17 of 92) p. Civil Authority When a Covered Cause of Loss causes damage to pr operty other than property at the described premises, we will pay for the actual loss of Business Income you sustain and necessary Extra Expense caused by action of civil authority that prohibits access to the described premises, provided that both of the following apply: (1)access to the area immediately surrounding the damaged pr operty is prohibited by civil authority as a result of the damage and the described premises are within that area but are not more than one mile from the damaged pr operty; and (2)the action of civil authority is taken in response to dangerous physical conditions resulting from the damage or continuation of the Covered Cause of Loss that caused the damage, or the action is taken to enable a civil authority to have unimpeded access to the damaged pr operty. Civil Authority coverage for Business Income will begin immediately after the time of the first action of civil authority that prohibits access to the described premises and will apply for a period of up to 30 consecutive days from the date on which such coverage began. Civil Authority coverage for necessary Extra Expense will begin immediately after the time of the first action of civil authority that prohibits access to the described premises and will end: (1)30 consecutive days after the date of that action; or (2)when your Civil Authority coverage for Business Income ends; whichever is later. The definitions of Business Income and Extra Expense contained in the Business Income and Extra Expense Additional Coverages also apply to this Civil Authority Additional Coverage. The Civil Authority Additional Coverage is not subject to the Limits of Insurance. q. "Money" Orders and Counterfeit Paper Currency We will pay for loss resulting directly from your having accepted in good faith, in exchange for merchandise, "money" or services: (1)any United States or Canadian post office, express com pany, or national or state (or Canadian) chartered bank "money" order that is not paid upon presentation to the issuer; or (2)counterfeit United States or Canadian "m oney" that is acquired during the regular course of business. The most we will pay for any loss under this additional coverage is $10,000. r. Forgery and Alteration (1)We will pay for loss resulting directly from forgery or alteration of any check, draft, promissory note, bill of exchange or similar written promise of payment in "money" that you or your agent has issued, or that was issued by someone who impersonates you or your agent. R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 18 of 92) (2)If you are sued for refusing to pay the check, draft, promisso ry note, bill of exchange or similar written promise of payment in "money", on the basis that it has been forged or altered, and you have our written consent to defend against the suit, we will pay for any reasonable legal expenses that you incur in that defense. (3)For the purpose of this coverage, check includes a substitute check as def ined in the Check Clearing for the 21st Century Act, and will be treated the same as the original it replaced. (4)The most we will pay for any loss, including legal expenses, under this Additional Coverage is $25,000. s. Ordinance or Law (1) Coverages (a) Coverage A - Coverage for Loss to the Undamaged Portion of the Building or Tenants' Improvements and Betterments If a Covered Cause of Loss occurs to a covered building pr operty or business personal property, we will pay for loss to the undamaged portion of the building or tenants' improvements and betterments caused by a requirement to comply with an ordinance or law that: (i)requires the demolition of parts of the same pr operty not damaged by a Covered Cause of Loss; (ii)regulates the construction or repair of buildings or tenants' improvements and betterments, or establishes zoning or land use requirements at the described premises; and (iii)is in force at the time of loss. Coverage A is included within the Limit of Insurance applicable to the covered building pr operty or business personal pr operty shown in the Declarations. This is not additional insurance. (b) Coverage B - Demolition Cost Coverage If a Covered Cause of Loss occurs to covered building pr operty or business personal property, we will pay the cost to demolish and clear the site of undamaged parts of the pr operty caused by enforcement of building, zoning or land use ordinance or law. (c) Coverage C - Increased Cost of Construction Coverage If a Covered Cause of Loss occurs to covered building pr operty or business personal property, we will pay the increased cost to repair, rebuild or construct the property caused by a requirement to comply with the minimum standards of building, zoning or land use or ordinance or law. If the pr operty is repaired or rebuilt, it must be intended for a similar occupancy as the current property,unless otherwise required by zoning or land use ordinance or law. However, we will not pay for the increased cost of construction if the building or tenants' improvements and betterments is not repaired or replaced. R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 19 of 92) (2)We will not pay under this coverage for: (a)enforcement of or compliance with any ordinance or law which requires the demolition, repair, replacement, reconstruction, remodeling or remediation of property due to contamination by "pollutants" or due to the presence, growth, proliferation, spread of any activity of "fungi", wet rot or dry rot; or (b)any costs associated with the enforcement of or compliance with an ordinance or law which requires any insured or others to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way res pond to, or assess the effects of "pollutants", "fungi", wet rot or dry rot. (3)Under Coverage A - Coverage for Loss to the Undamaged Portion of the Building or Tenant's Improvements and Betterments: (a)If the Replacement Cost Coverage Option applies and the property is repaired or replaced, on the same or another premises, we will not pay more for loss or damage to Covered Property, including loss caused by enforcement of an ordinance or law, than the lesser of: (i)the amount you actually spend to repair, rebuild or reconstruct the building or tenants' improvements and betterments, but not for more than the amount it would cost to restore the building or tenants' improvements and betterments on the same premises and to the same height, floor area, style and comparable quality to the original pr operty insured; or (ii)the Limit of Insurance applicable to the covered Building Pr operty or Business Personal property. (b) (i)if the Replacement Cost Coverage Option applies and the property is not repaired o r replaced; or (ii)if the Replacement Cost Coverage Option does not apply: we will not pay more for loss or damage to Covered Property, including loss caused by enforcement of an ordinance or law, than the lesser of: i.add a period the actual cash value of the building or tenants' improvements and betterments at the time of loss; or ii.add a period the Limit of Insurance applicable to the covered building property or business personal property. (4)We will not pay more under Coverage B - Demolition Cost Coverage than the lesser of the following: (a)the amount you actually spend to demolish and clear the site of the described premises; or (b)$25,000. (5) (a)We will not pay under Coverage C -Increased Cost of Construction Coverage: (i)until the property is actually repaired or replaced, at the same or another premises; and R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 20 of 92) (ii)unless the repairs or replacements are made as soon as reasonably possible after the loss or damage, not to exceed two years. We may extend this period in writing during the two years. (b)If the building or tenants' improvements and betterments is repaired or replaced at the same premises, or if you elect to rebuild at another premises, the most we will pay under Coverage C is the lesser of: (i)the increased cost of construction at the same premises; or (ii)$25,000. (c)If the ordinance or law requires relocation to another premises, the most we will pay under Coverage C is the lesser of: (i)the increased cost of construction at the same premises; or (ii)$25,000. (6)The terms of this Additional Coverage apply separately to each building or business personal pr operty to which this policy applies. (7)This Additional Coverage does not apply to buildings insured on an Actual Cash Value (ACV) basis. t. Building Glass We will pay for direct physical loss of or damage to glass, including all lettering and ornamentation, that is: (1)part of the exterior of a covered building or structure at the described premises; or (2)permanently affixed t o the interior walls, f loors or ceilings at the described premises. This Building Glass Additional Coverage does not include coverage for Stained Glass. (1)The glass must be owned by you, or owned by others but in your care, custody or control. We will also pay for necessary: (a)expenses incurred to put up temporary plates or board up openings; (b)repair or replacement of encasing frames; and (c)expenses incurred to remove or replace obstructions. (2)Paragraph A.3.,Covered Causes of Loss, and Section B.,Exclusions, do not apply to this Additional Coverage, except for: (a)paragraph B.1.b.,Earth Movement; (b)paragraph B.1.c.,Government Action; (c)paragraph B.1.d.,Nuclear Hazard; (d)paragraph B.1.f.,War and Military Action; and R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 21 of 92) (e)paragraph B.1.g.,Water. (3)We will not pay for loss or damage caused by or resulting from: (a)wear and tear; (b)hidden or latent defect; (c)corrosion; or (d)rust. (4)The most we will pay under this Additional Coverage is the Building Limit of Insurance shown in the Declarations. However, if you are a tenant and no Limit of Insurance is s hown in the Declarations for Building Property, the most we will pay under this Additional Coverage is $25,000. u. Water Backup And Sump Overflow (1)We will pay for direct physical loss or damage to Covered Property, covered under the SAFEPAK SPECIAL PROPERTY COVERAGE FORM,caused by or resulting from: (a)water or waterborne material which backs up through or overf lows or is otherwise discharged from a sewer or drain; or (b)water or waterborne material which overflows or is otherwise discharged from a sump, sump pump or related equipment, even if the overflow or discharge results from mechanical break down of a sump pump or its related equipment. However, with respect to Paragraph u.(1)(b), we will not pay the cost of repairing or replacing a sump pump or its related equipment in the event of mechanical breakdown. (2)The coverage described in Paragraph u.(1)does not apply to loss or damage resulting from an insured's failure to: (a)keep a sump pump or its related equipment in pr oper working condition; or (b)perform the routine maintenance or repair necessary to keep a sewer or drain free from obstructions. This coverage is included within the Covered Pr operty Limits of Insurance. For the purposes of this endorsement, the term drain includes a roof drain and related fixtures. THIS IS NOT FLOOD INSURANCE. We will not pay for water or other materials that back up or overflow from any sewer or drain or sump pump as a direct or indirect result of any flood. This exclusion applies regardless of the cause, duration, and extent of the fl ood, and regardless of its proximity to Covered Property. As used in this Additional Coverage, f lood includes any accumulation of surface water,waves, tides, tidal waves, overflow of streams or other bodies of water, or their spray, all whether driven by wind or not, that enters, impedes, obstructs,deposits debris or sediment in, or overloads a sewer or drain system or sump pump. R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 22 of 92) v. Electronic "Data" Processing Equipment Coverage (1)This Additional Coverage applies to loss or damage by a Covered Cause of Loss anywhere in the Coverage Territory to: (a)your electronic "data" processing, electronic word processing and electronic telecommunications equipment, including their component parts; (b)electronic "data" processing, recording or storage "media" such as films, tapes, disks, drums or cells; (c)"data" stored on such "media", including your costs to research, replace or restore "data" or "software" which exists or existed on electronic or magnetic "media" that is lost or damaged as a result of direct physical loss or damage to business "computers" at the described premises; and (d)programming records, used for electronic "data" processing or electronically controlled equipment. (2) Electrical Apparatus Exclusion B.2.a.and Mechanical Breakdown Exclusion B.2.d.(6) in the Policy do not apply to this Additional Coverage - Electronic Data Processing Equipment Coverage,however a deductible of $500 per occurrence applies to losses resulting from: (a)mechanical failure, faulty construction, or error in design of the Covered Property; (b)short circuit, blow-out or other electric or magnetic disturbance, other than lightning, within electrical equipment,apparatus or devices; (c)any repairing, servicing or processing operation; or (d)damage to the "data" or "media" when "data" processing equipment or word processing equipment breaks down or malfunctions while "data" or "media" is being run through the system. (3)With respect to the coverage provided under this Additional Coverage - Electronic Data Processing Equipment Coverage, the Covered Causes of Loss are subject to the following: (a)Any Business Income coverage that may be available under this Additional Coverage - Electronic Data Processing Equipment Coverage is limited to the "specified causes of loss" and Collapse. (b)If the Safepak Businessowners Policy Special Form is endorsed to add a Covered Cause of Loss, the additional Covered Cause of Loss does not apply to the coverage provided under this Additional Coverage - Electronic Data Processing Equipment Coverage. (c)The Covered Causes of Loss include a "computer" virus, harmful code or similar instruction introduced into or enacted on a "computer"system (including "electronic data") or a network to which it is connected, designed to damage or destroy any part of the system or disrupt its normal operation. But there is no coverage for an interruption related to manipulation of a "computer"system (including "electronic R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 23 of 92) data") by any employee, including a temporary or leased employee, or by an entity retained by you, or for you, to inspect, design, install, m odify, maintain, repair or replace that system. (4)This Additional Coverage - Electronic Data Processing Equipment Coverage does not apply to your "stock" of prepackaged software, or to electronic "data" which is integrated in and operates or controls a building's elevator,lighting, heating, ventilation, air conditioning or security system. (5)Coverage for Business Income does not apply when a suspension of "operations" is caused by destruction or corruption of "electronic data", or any loss or damage to "electronic data", except as provided under paragraph (3)(a) of this endorsement. The most we will pay under this Additional Coverage - Electronic Data Processing Equipment Coverage is $25,000 in any one occurrence at each described location. This amount is in addition to the Limits of Insurance. w. Claim Data Preparation Expense The insurance under this Additional Coverage will be in addition to the applicable Limits of Insurance. In the event of covered loss or damage, we will pay the reasonable expenses you incur in preparing claim data when we require it. This includes the cost of taking inventories, making appraisals, preparing income tax statements, claim or suit investigation costs (not including attorneys' fees or other litigation costs),auditing of business records and preparing other documentation to show the extent of loss. The most we will pay for loss data preparation under this Additional Coverage is $10,000. We will not pay for any expenses incurred, directed or billed by or payable to claim adjusters, or lawyers or their associates or subsidiaries or any costs provided by E. PROPERTY LOSS CONDITION, 2.Appraisal. x. Brands and Labels If branded or labeled merchandise that is Covered Property is damaged by a Covered Cause of Loss, and we take all or part of that property at an agreed or appraised value, we will pay for: (1)Expenses you incur to: (a)stamp the word "salvage" on the merchandise or its containers, if the stamp will not physically damage the merchandise; or (b)remove the brands and labels to comply with applicable law, if doing so will not physically damage the merchandise or its containers. (2)Any reduction in the salvage value of the physically damaged merchandise as the result of the removal of the brand or label. The payment of these expenses under this Additional Coverage is included within the Business Personal Pr operty Limit of Insurance. R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 24 of 92) y. "Computer" Fraud We will pay for direct physical loss of or damage to "money", "securities" and "other property" resulting directly from the use of any "computer" to cause a fraudulent transfer of that property from inside your premises or from a "banking premises", to a person (other than a "messenger") outside those premises or to a place outside the premises. The most we will pay for this Additional Coverage is $5,000 in any one occurrence. This Limit of Insurance is in addition to any other Limit of Insurance that may be provided by this Policy for this Coverage. z. Fine Arts We will pay for physical loss of or damage to Covered Property that is Fine Arts, directly caused by a Covered Cause of Loss, if the Fine Arts are: (1)your Covered Property; or (2)property of others which is in your care, custody or control. Fine Arts means paintings, etchings, pictures, tapestries, art glass windows, valuable rugs, statuary, marbles, bronzes, antique silver, manuscripts, porcelains, rare glass, bric-a-brac and similar pr operty of rarity, historical value or artistic merit. For purposes of this Additional Coverage, Fine Arts will be valued at their market value at the time the loss or damage occurs. The most we will pay under this Additional Coverage is $10,000 for the sum of all loss and damage as a result of any one occurrence, at each described premises. aa. Laptop "Computers" - Worldwide Coverage We will pay for direct physical loss of or damage to laptop,palmtop, and similar portable "computer" equipment and their accessories anywhere in the world, including while in transit, if such loss or damage results directly from a Covered Cause of Loss. However, we will not pay under this Additional Coverage for any loss or damage caused by, resulting from, or arising out of the loss or theft of any property while it is in transit as checked baggage. The most we will pay under this Additional Coverage for the sum of all loss and damage resulting from any one occurrence is $5,000. bb. Utility Services (1) Direct Damage We will pay for direct physical loss or damage to Covered Property caused by the interruption of water supply service, communication service or power supply service to a covered premises described in the Declarations. To be insured under this Additional Coverage, the interruption must result from direct physical loss or damage by a Covered Cause of Loss to one or more of the following kinds of pr operty not on the described premises: (a)Water Supply Service Property, meaning the following types of pr operty supplying water to the described premises: R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 25 of 92) (i)pumping stations; and (ii)water mains. (b)Communication Service Property, meaning pr operty supplying communication services, including telephone, radio, microwave, or television services, to the described premises. Communication Service Property includes: (i)communication transmission lines, including optic f iber transmission lines; (ii)coaxial cables; and (iii)microwave radio relays. However, Communication Service Property does not include any satellites. (c)Power Supply Service Property, meaning the following types of pr operty supplying electricity, steam or gas power to the described premises: (i)power generating plants; (ii)switching stations; (iii)substations; (iv)transformers; and (v)transmission lines, conduit, and pipe. The most we will pay under this Additional Coverage, for the sum of all loss and damage, resulting from any one occurrence is $10,000. (2) Business Income We will pay for actual loss of Business Income you sustain due to an interruption of water supply service, communication service or power supply service to a covered premises described in the Declarations. To be insured under this Additional Coverage, the interruption must result from direct physical loss or damage by a Covered Cause of Loss to one or more of the following kinds of pr operty not on the described premises: (a)Water Supply Service Property, meaning the following types of pr operty supplying water to the described premises: (i)pumping stations; and (ii)water mains. (b)Communication Service Property, meaning pr operty supplying communication services, including telephone, radio, microwave, or television services, to the described premises. Communication Service Property includes: (i)communication transmission lines, including optic f iber transmission lines; (ii)coaxial cables; and R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 26 of 92) (iii)microwave radio relays. However, Communication Service Property does not include any satellites. (c)Power Supply Service Property, meaning the following types of pr operty supplying electricity, steam or gas power to the described premises: (i)power generating plants; (ii)switching stations; (iii)substations; (iv)transformers; and (v)transmission lines, conduit, and pipe. The most we will pay under this Additional Coverage, for the sum of all loss and damage, resulting from any one occurrence is $25,000. cc. Pairs or Sets We will pay for any reduction in value of the undamaged parts of pairs or sets, if pairs or sets of "stock" are damaged by a Covered Cause of Loss. This Additional Coverage is included within the Business Personal Pr operty Limit of Insurance. dd. Personal Property of Others We will pay for personal pr operty of others that is in your care, custody or control. However, our payment for loss of or damage to personal pr operty of others will only be for the account of the owner of the property. The most we will pay under this Additional Coverage is $10,000 for the sum of all loss and damage as the result of any one occurrence, at each described premises. ee. Certain Property at Other Premises The insurance that applies t o your Business Personal Pr operty and your "Valuable Papers and Records" is hereby extended to apply: (1)at any premises not described in the Declarations; and (2)to property you have sold under an installation agreement and for which your responsibility for risk of loss continues until the pr operty is accepted by the customer. This Additional Coverage does not apply to: (a)property in the care, custody or control of your salespersons; (b)property at any fair or exhibition; (c)property in transit; or R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 27 of 92) (d)property temporarily stored at any premises not described in the Declarations. The most we will pay for this Additional Coverage is $10,000 for the sum of all loss and damage resulting from a single occurrence. This Limit of Insurance is in addition to any other Limit of Insurance that may apply to the same loss or damage. ff. Salespersons' Samples We will pay for physical loss of or damage to: (1)samples of your "stock" in trade (including its containers); and (2)samples of others' "stock" in trade; but only if the loss or damage is directly caused by a Covered Cause of Loss while such property is in: (a)your physical custody and control while acting as a sales representative or agent; (b)the physical custody and control of your sales representative or agent. The most we will pay under this Additional Coverage for the sum of all loss or damage as a result of a single occurrence is $5,000. This Limit of Insurance is in addition to any other Limit of Insurance that may apply to the same loss or damage. gg. Loss of Refrigeration, Change in Temperature or Humidity (1) Limit of Insurance The most we will pay under this Additional Coverage for the sum of all loss and damage resulting from any one occurrence is $10,000. (2) Coverage We will pay for physical loss of or damage to Business Personal Pr operty caused by change in temperature or humidity resulting directly from any of the fo llowing: (a)fluctuation or total interruption of electrical power on the insured premises, resulting from conditions beyond your control. (b)mechanical break down of any refrigerating or cooling apparatus or equipment, including the blowing of any fuse, fuses or circuit breakers. (c)the freezing of perishable "stock" resulting from the faulty operation of any stationary heating plant, when such perishable "stock" is within a building on the insured premises. (3) Exclusions In addition to the exclusions in B. Exclusions,of PART ONE - SAFEPAK SPECIAL PROPERTY COVERAGE FORM, we will not pay under this Additional Coverage for loss caused directly or indirectly by any of the following: (a)explosion, rupture or bursting of: (i)water pipes; or R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 28 of 92) (ii)steam boilers, steam pipes, steam turbines or steam engines if owned or leased by you, or if operated by you or under your direction or control; (b)the actual disconnection of any refrigeration units from the source of electrical power, or the termination of electrical power caused by throwing or turning-off of any switch or other device on the insured premises usual to the shutting-off of electrical current or electrical power; (c)the leaking or escape of refrigerant from any cause, including the rupture or bursting of any refrigerant pipe or line; (d)the cracking or breaking of any glass that is a permanent part of any refrigeration unit; (e)insufficient fuel or complete lack of fuel used in the normal operation of a stationary heating plant; or (f)interruption of business or other indirect or consequential loss beyond direct physical loss or damage to your property. hh. Transportation in Custody of a "Carrier" or Bailee for Hire We will pay for direct physical loss of or damage to Covered Property from any of the Covered Causes of Loss when the Covered Property is in due course of transit at your risk, in the custody of a "carrier" or bailee for hire. For purposes of this Additional Coverage, coverage applies until the pr operty is delivered at its destination. If the pr operty is not delivered, we will pay the cost of returning the property to you. This Additional Coverage also applies to the pr operty while held temporarily by the receiver or "carrier", awaiting return to you. Under this Additional Coverage, Covered Property does not include: (1)accounts, bills, currency,deeds, evidences of debt, "money", notes, "securities", or other commercial papers or documents of value; (2)bullion, gold, silver, platinum or other prec ious alloys or metals; furs, fur garments; jewelry, watches, precious or semi-precious stones, works of art or similar valuable property; (3)any vehicle carrying the property, or any intermodal container containing the pr operty; (4)live animals, birds or fish; (5)property while afloat or waterborne (other than while on regular ferries or railroad car floats); (6)property while covered by Ocean Marine Insurance, whether such insurance is collectible or not; (7)property in the care, custody or control of your salespersons. The most we will pay under this Additional Coverage is $10,000 for the sum of all loss and damage as a result of a single occurrence. This Limit of Insurance is in addition to any other Limit of Insurance that may apply to the same loss or damage. R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 29 of 92) ii. Outdoor Signs (1)We will pay for direct physical loss of or damage to each outdoor sign at each premises described in the Declarations, up to the respective full value of each lost or damage outside sign, if the out door sign is: (a)owned by you; or (b)owned by others but in your care, custody or control. (2)Paragraph B.,Exclusions, do not apply to this Additional Coverage, except for: (a)paragraph B.1.c.,Governmental Action; (b)paragraph B.1.d.,Nuclear Hazard; and (c)paragraph B.1.f.,War and Military Action. (3)In addition to the exclusions specified in (2), above, we also will not pay for loss or damage caused by or resulting from: (a)wear and tear; (b)hidden or latent defect; (c)rust; (d)corrosion; or (e)mechanical breakdown. (4)The most we will pay for loss or damage in any one occurrence is the Limit of Insurance for Outdoor Signs s hown in the Declarations. jj. Employee Dishonesty (including ERISA) (1)We will pay for direct loss of or damage to Business Personal Pr operty and "money" and "securities", resulting from dishonest acts committed by any of your employees acting alone or in collusion with other persons (except you or your partner) with the manifest intent to: (a)cause you to sustain loss or damage; and also (b)obtain financial benefit (other than salaries, commissions, fees,bonuses, promotions,awards, profit sharing,pensions or other employee benefits earned in the normal course of employment) for: (i)any employee; or (ii)any other person or organization. (2)We will not pay for loss or damage: (a)resulting from any dishonest o r criminal act that you or any of your partners or "members" commit whether acting alone or in collusion with other persons. R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 30 of 92) (b)resulting from any dishonest act committed by any of your employees (except as provided in Paragraph (1)), "managers" or directors: (i)whether acting alone or in collusion with other persons; or (ii)while performing services for your or otherwise. (c)the only proof of which as to its existence or amount is: (i)an inventory computation; or (ii)a profit and loss computation. (3)The most we will pay for loss or damage in any one occurrence is $10,000,unless a higher Limit of Insurance f or Employee Dishonesty is shown in the Declarations. This includes ERISA coverage. (4)All loss or damage: (a)caused by one or more persons; or (b)involving a single act or series of related acts; is considered one occurrence. (5)We will pay only for loss or damage you sustain through acts committed or events occurring during the Policy Period.Regardless of the number of years this Policy remains in force or the number of premiums paid, no Limit of Insurance cumulates from year to year or period to period. (6)This Additional Coverage does not apply to any employee immediately upon discovery by: (a)you; or (b)any of your partners, officers or directors not in collusion with the employee; of any dishonest act committed by that employee before or after being hired by you. (7)We will pay only for covered loss or damage discovered no later than one year from the end of the policy period. (8)If you (or any predecessor in interest) sustained loss or damage during the period of any prior insurance that you could have recovered under that insurance except that the time within which to discover loss or damage had expired, we will pay for it under this Additional Coverage, provided: (a)this Additional Coverage became effective at the time of cancellation or termination of the prior insurance; and (b)the loss or damage would have been covered by this Additional Coverage had it been in effect when the acts or events causing the loss or damage were committed or occurred. R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 31 of 92) (9)The insurance under paragraph (8)above is part of, not in addition to, the Limit of Insurance applying to this Additional Coverage and is limited to the lesser of the amount recoverable under: (a)this Additional Coverage as of its effective date; or (b)the prior insurance, had that prior insurance remained in effect. (10)With respect to this Additional Coverage employee means: (a)any natural person: (i)while in your service or for 30 days after termination of service; (ii)who you compensate directly by salary, wages or commissions; and (iii)who you have the right to direct and control while performing services for you. (b)any natural person who is furnished temporarily to you: (i)to substitute for a permanent employee as defined in Paragraph (a)above, who is on leave; or (ii)to meet seasonal or short-term work load conditions. (c)any natural person who is leased to you under a written agreement between you and a labor leasing firm, to perform duties related to the conduct of your business, but does not mean a temporary employee as defined in Paragraph (b)above; (d)any natural person who is a former employee, director, partner, "member", "manager", representative or trustee retained as a consultant while performing services for you; or (e)any natural person who is a guest student or intern pursuing studies or duties, excluding, however, any such person while having care and custody of pr operty outside any building you occupy in conducting your business. But employee does not mean: (a)any agent, broker, factor, commission merchant, consignee, independent contractor or representative of the same general character; or (b)any "manager", director or trustee except while performing acts coming within the usual duties of an employee. kk. Limited Coverage for "Fungi", Wet Rot Or Dry Rot (1)The coverage described in Paragraphs kk.(2)and kk.(6)only applies when the "fungi", wet rot or dry rot is the result of a "specified cause of loss" (other than fire or lightning) that occurs during the policy period and only if all reasonable means were used to save and preserve the property from further damage at the time of and after that occurrence. This Additional Coverage does not apply to lawns, trees, shrubs or plants which are part of a vegetated roof. R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 32 of 92) (2)We will pay for loss or damage by "fungi", wet rot or dry rot. As used in this Limited Coverage, the term loss or damage means: (a)direct physical loss or damage to Covered Property caused by "fungi", wet rot or dry rot, including the cost of removal of the "fungi", wet rot or dry rot; (b)the cost to tear out and replace any part of the building or "other pr operty" as needed to gain access to the "fungi", wet rot or dry rot; and (c)the cost of testing performed after removal, repair, replacement or restoration of the damaged pr operty is completed, provided there is a reason to believe that "fungi", wet rot or dry rot is present. (3)The coverage described under this Limited Coverage is limited to $15,000.Regardless of the number of claims, this limit is the most we will pay for the total of all loss or damage arising out of all occurrences of "specified causes of loss" (other than fire or lightning) which take place in a 12-month period (starting with the beginning of the present annual policy period). With respect to a particular occurrence of loss which results in "fungi", wet rot or dry rot, we will not pay more than the total of $15,000 even if the "fungi", wet rot or dry rot continues to be present or active, or recurs, in a later policy period. (4)The coverage provided under this Limited Coverage does not increase the applicable Limit of Insurance on any Covered Property. If a particular occurrence results in loss or damage by "fungi", wet rot or dry rot, and other loss or damage, we will not pay more, for the total of all loss or damage, than the applicable Limit of Insurance on the affected Covered Property. If there is covered loss or damage to Covered Property, not caused by "fungi", wet rot or dry rot, loss payment will not be limited by the terms of this Limited Coverage, except to the extent that "fungi", wet rot or dry rot causes an increase in the loss. Any such increase in the loss will be subject to the terms of this Limited Coverage. (5)The terms of this Limited Coverage do not increase or reduce the coverage provided under the Water Damage, Other Liquids, P owder Or Molten Material Damage or Collapse Additional Coverages. (6)The following applies only if Business Income and/or Extra Expense Coverage applies to the described premises and only if the suspension of "operations" satisfies all the terms and conditions of the applicable Business Income and/or Extra Expense Additional Coverage. (a)If the loss which resulted in "fungi", wet rot or dry rot does not in itself necessitate a suspension of "operations", but such suspension is necessary due to loss or damage to property caused by "fungi", wet rot or dry rot, then our payment under the Business Income and/or Extra Expense Additional Coverages is limited to the amount of loss and/or expense sustained in a period of not more than 30 days. The days need not be consecutive. (b)If a covered suspension of "operations" was caused by loss or damage other than "fungi", wet rot or dry rot, but remediation of "fungi", wet rot or dry rot prolongs the "period of restoration", we will pay for loss and/or expense sustained during the delay (regardless of when such a delay occurs during the "period of restoration"), but such coverage is limited to 30 days.The days need not be consecutive. R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 33 of 92) 6. Coverage Extensions In addition to the Limits of Insurance, you may extend the insurance provided by this Policy as provided below. Except as otherwise provided, the following Coverage Extensions apply to pr operty located in or on the building described in the Declarations or in the open (or in a vehicle) within 1,000 feet of the described premises. a. Garages, Storage Buildings and Other Structures - Business Personal Property You may extend the insurance that applies to Business Personal Pr operty to Business Personal Pr operty located in garages, portable storage units, storage buildings and other structures at the described premises. The most we will pay for loss or damage under this Coverage Extension is $5,000 at each described premises. b. Newly Acquired or Constructed Property (1)You may extend the insurance that applies to Buildings to apply to: (a)your new buildings or additions while being built on the described premises, or newly acquired premises, including materials, equipment, supplies and temporary structures, on or within 1,000 feet of the premises; and (b)buildings you acquire at locations other than the described premises intended for: (i)similar use as Building described in the Declarations; or (ii)use as a warehouse. The most we will pay for loss or damage under this Coverage Extension is 25% of your Building Limits s hown in the Declarations, but not more than $1,000,000 at each building,whichever is less. (2)You may extend the insurance that applies to Business Personal Pr operty to apply to: (a)Business Personal Property, including such pr operty that you newly acquire, at a location you acquire; or (b)Business Personal Property, including such pr operty that you newly acquire, located at your newly constructed or acquired buildings at the location described in the Declarations. The most we will pay for the sum of all loss and damage resulting from any one occurrence under this Coverage Extension is $500,000 at each premises. (3) Business Income and Extra Expense You may extend the insurance that applies to Business Income and Extra Expense to apply to your business income and/or extra expense at any premises you acquire. The most we will pay for the sum of all loss of Business Income and Extra Expense resulting from any one occurrence under this Coverage Extension at each premises is $500,000. R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 34 of 92) (4)Insurance under this Coverage Extension for each newly acquired or constructed property will end when any of the following first occurs: (a)this Policy expires; (b)90 days expire after you acquire or begin construction at the new premises; or (c)you report values to us. We will charge you additional premium for values r eported from the day construction begins or you acquire the property. c. Personal Effects You may extend the insurance that applies to Business Personal Pr operty to cover the personal effects that belong to you, your officers, partners or "members", your "managers" or employees, including temporary or leased employees. This extension does not apply to: (1)tools or equipment used in your business; or (2)loss or damage by theft. Such property must be located on a premises described in the Declarations. This pr operty is not covered if it is already insured elsewhere. If this protection is used to cover someone else's property, we can settle all losses with you and make all payments to you. The most we will pay under this Coverage Extension for the sum of all loss and damage resulting from any one occurrence at each described premises is $25,000. d. Personal Property Off Premises You may extend the insurance that applies to Business Personal Pr operty to apply to covered Business Personal Property, other than Accounts Receivable, "Valuable Papers and Records", or "money" and "securities", while: (1)at any premises not described in the Declarations; (2)to property you have sold under an installation agreement and for which your responsibility for risk of loss continues until the pr operty is accepted by the customer; (3)it is in course of transit; or (4)temporarily at a premises you do not own,lease or operate; (5)in or on, but not permanently attached to or installed in, motor vehicles operated by your employees in the course of your business "operations". (6)at any fair or exhibition; (7)temporarily stored at any premises not described in the Declarations. This Coverage Extension does not apply to pr operty in the care, custody or control of your salespersons. R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 35 of 92) The most we will pay for the sum of all loss and damage resulting from a single occurrence under this section of the Coverage Extension is $25,000. This Limit of Insurance is in addition to any other Limit of Insurance that may apply to the same loss or damage. e. Outdoor Property (1)You may extend the insurance provided by this Policy to apply to your out door fences, trees, shrubs and plants (other than "stock" of trees, shrubs or plants), including debris removal expense, caused by or resulting from any of the following causes of loss: (a)fire; (b)lightning; (c)explosion; (d)riot or civil commotion; or (e)aircraft. The most we will pay for the sum of all loss and damage resulting from any one occurrence under this Coverage Extension is $25,000, and not more than $1,000 for any one tree, shrub or plant, whichever is less. Subject to all aforementioned terms and limitations of coverage, this Coverage Extension includes the expense of removing from the described premises the debris of trees, shrubs and plants which are the pr operty of others, except in the situation in which you are a tenant and such pr operty is owned by the landlord of the described premises. (2)You may extend the insurance provided by this Policy to apply to your radio and television antennas (including satellite dishes) including debris removal expense, caused by or resulting from: (a)fire; (b)lightning; (c)windstorm; (d)ice, snow, sleet or hail; (e)explosion; (f)riot or civil commotion; or (g)aircraft. The most we will pay for loss or damage under this Extension is $5,000. R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 36 of 92) f. "Valuable Papers and Records" (1)You may extend the insurance that applies to Business Personal Pr operty to apply to direct physical loss or damage to "valuable papers and records" that you own, or that are in your care, custody or control caused by or resulting from a Covered Cause of Loss. This Coverage Extension includes the cost to research lost information on "valuable papers and records" for which duplicates do not exist. (2)The most we will pay under this Coverage Extension for the sum of all loss and damage to "valuable papers and records" in any one occurrence at the described premises is $25,000 unless a higher Limit of Insurance for "valuable papers and records" is shown in the Declarations. For "valuable papers and records" not at the described premises, the most we will pay for the sum of all loss and damage as a result of any one currence is $25,000. (3)Section B. Exclusions of this Coverage Form does not apply to this Coverage Extension except for: (a)paragraph B.1.c.,Governmental Action; (b)paragraph B.1.d.,Nuclear Hazard; (c)paragraph B.1.f.,War and Military Action; (d)paragraph B.2.g.,Dishonesty; (e)paragraph B.2.h.,False Pretense; and (f)the Accounts Receivable and "Valuable Papers and Records"Exclusions. g. Water Under the Ground We will pay for the loss or damage caused by or resulting from water under the ground surface, pressing on or flowing or seeping through: (1)foundations,walls, f loors or paved surfaces; (2)basements, whether paved or not; or (3)doors, windows or other openings. The most we will pay for all loss or damage under this Coverage Extension in any one occurrence is $25,000. THIS IS NOT FLOOD INSURANCE. We will not pay for loss or damage caused by or resulting from water under the ground surface that is the direct or indirect result of any flood. This exclusion applies regardless of the cause, duration, and extent of the fl ood, and regardless of its proximity to Covered Property. As used in this Coverage Extension, f lood includes any accumulation of surface water, waves, tides, tidal waves, overflow of streams or other bodies of water, or their spray, all whether driven by wind or not. R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 37 of 92) h. Non-Owned Detached Trailers (1)You may extend the insurance that applies to your Business Personal Pr operty to apply to loss or damage to trailers that you do not own, provided that: (a)the trailer is used in your business; (b)the trailer is in your care, custody or control at the premises described in the Declarations; and (c)you have a contractual responsibility to pay for loss or damage to the trailer. (2)We will not pay for any loss or damage that occurs: (a)while the trailer is attached to any motor vehicle or motorized conveyance,whether or not the motor vehicle or motorized conveyance is in motion; (b)during hitching or unhitching "operations", or when a trailer becomes accidentally unhitched from a motor vehicle or motorized conveyance. (3)The most we will pay for loss or damage under this Extension is $5,000. (4)This insurance is excess over the amount due (whether you can collect on it or not) from any other insurance covering such property. B. EXCLUSIONS 1.We will not pay for loss or damage caused directly or indirectly by any of the following. Such loss or damage is excluded regardless of any other cause or event that contributes concurrently or in any sequence to the loss. a. Ordinance or Law The enforcement of any ordinance or law: (1)regulating the construction, use or repair of any property; (2)requiring the tearing down of any property, including the cost of removing the debris. This exclusion,Ordinance or Law, applies whether the loss results from: (1)an ordinance or law that is enforced, even if the pr operty has not been damaged; or (2)the increased costs incurred to comply with an ordinance or law in the course of construction, repair, renovation, remodeling or demolition of pr operty or removal of its debris, following a physical loss to that property. This exclusion does not apply to the extent that coverage is provided in the Additional Coverage Ordinance or Law. b. Earth Movement (1)earthquake, including any earth sinking, rising or shifting related to such event; (2)landslide, including any earth sinking, rising or shifting related to such event; R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 38 of 92) (3)mine subsidence, meaning subsidence of a man-made mine,whether or not mining activity has ceased; (4)earth sinking (other than sinkhole collapse), rising or shifting including soil conditions which cause settling, cracking or other disarrangement of foundations or other parts of realty. Soil conditions include contraction, expansion, freezing, thawing, erosion, improperly compacted soil and the action of water under the ground surface. But if Earth Movement, as described in paragraphs (1)through (4)above, results in fire or explosion, we will pay for the loss or damage caused by that fire or explosion. (5)Volcanic eruption, explosion or effusion. But if volcanic eruption, explosion or effusion results in fire, building glass breakage or volcanic action, we will pay for the loss or damage caused by that fire , building glass breakage or volcanic action. Volcanic action means direct loss or damage resulting from the eruption of a volcano when the loss or damage is caused by: (a)airborne volcanic blast or airborne shock waves; (b)ash, dust, or particulate matter; or (c)lava flow. All volcanic eruptions that occur within any 168 hour period will constitute a single occurrence. Volcanic action does not include the cost to remove ash, dust or particulate matter that does not cause direct physical loss of or damage to Covered Property. c. Governmental Action Seizure or destruction of property by order of governmental authority. But we will pay for loss or damage caused by or resulting from acts of destruction ordered by governmental authority and taken at the time of a fire to prevent its spread, if the fire would be covered under this Policy. d. Nuclear Hazard Nuclear reaction or radiation, or radioactive contamination from any cause. But if nuclear reaction or radiation, or radioactive contamination, results in fire, we will pay for the direct loss or damage caused by that fire. e. Utility Services Failure The failure of power, communication, water or other utility service supplied to the described premises,however caused, if the failure: (1)originates away from the described premises; or (2)originates at the described premises, but only if such failure involves equipment used to supply the utility service to the described premises from a source away from the described premises. Failure of any utility service includes lack of sufficient capacity and reduction in supply. R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 39 of 92) Loss or damage caused by a surge of power is also excluded, if the surge would not have occurred but for an event causing a failure of power. But if the failure or surge of power, or the failure of communication, water or other utility service results in a Covered Cause of Loss, we will pay for the loss or damage caused by that Covered Cause of Loss. Communication services include but are not limited to service relating to Internet access or access to any electronic, cellular or satellite network. This exclusion does not apply to the extent that coverage is provided in the Utility Services Additional Coverage. f. War and Military Action (1)war, including undeclared or civil war; (2)warlike action by a military fo rce, including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or (3)insurrection,rebellion, revolution, usurped power, or action taken by governmental authority in hindering or defending against any of these. g. Water (1)flood, surface water, waves (including tidal wave and tsunami), tides, tidal water, overflow of any body of water, or spray from any of these, all whether or not driven by wind (including storm surge); (2)mudslide or mud f low; (3)waterborne material carried or otherwise moved by any of the water referred to in Paragraph (1), or material carried or otherwise moved by mudslide or mudflow. This exclusion applies regardless of whether any of the above in paragraphs (1)through (3), is caused by an act of nature or is otherwise caused. An example of a situation to which this exclusion applies is the situation where a dam, levee, seawall or other boundary or containment system fails in whole or in part, for any reason, to contain the water. But if any of the above, in paragraphs (1)through (3), results in fire, explosion or sprinkler leakage, we will pay for the loss or damage caused by that fire, explosion or sprinkler leakage. h. "Fungi", Wet Rot Or Dry Rot Presence, growth, proliferation, spread or any activity of "fungi", wet rot or dry rot. But if "fungi", wet rot or dry rot results in a "specified cause of loss", we will pay for the loss or damage caused by that "specified cause of loss". This exclusion does not apply: (1)when "fungi", wet rot or dry rot results from fire or lightning; or R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 40 of 92) (2)to the extent that coverage is provided in the Limited Coverage for "Fungi", Wet Rot Or Dry Rot Additional Coverage, with respect to loss or damage by a cause of loss other than fire or lightning. i. Virus or Bacteria (1)Any virus, bacterium or other microorganism that induces or is capable of inducing physical distress, illness or disease. (2)However, the exclusion in Paragraph (1)does not apply to loss or damage caused by or resulting from "fungi", wet rot or dry rot. Such loss or damage is addressed in exclusion h. (3)With respect to any loss or damage subject to the exclusion in Paragraph (1),such exclusion supersedes any exclusion relating to "pollutants". 2.We will not pay for loss or damage caused by or resulting from any of the following: a. Electrical Apparatus Artificially generated electrical, magnetic or electromagnetic energy that damages, disturbs, disrupts or otherwise interferes with 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, electrical, magnetic or electromagnetic energy includes but is not limited to: (1)electrical current, including arcing; (2)electrical charge produced or conducted by a magnetic or electromagnetic field; (3)pulse of electromagnetic energy; or (4)electromagnetic waves or microwaves. But if fire results, we will pay for loss or damage caused by fire. b. Consequential Losses Delay, loss of use or loss of market. c. Smoke, Vapor, Gas Smoke, Vapor or Gas from agricultural smudging or industrial "operations". d. Other Types of Loss (1)wear and tear; (2)rust or other corrosion, decay, deterioration, hidden or latent defect or any quality in property that causes it to damage or destroy itself; (3)smog; R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 41 of 92) (4)settling, cracking, shrinking or expansion; (5)nesting or infestation, or discharge or release of waste pr oducts or secretions, by insects, birds, rodents, or other animals; (6)mechanical breakdown, including rupture or bursting caused by centrifugal force; or (7)the following causes of loss to personal property: (a)dampness or dryness of atmosphere; (b)changes in or extremes of temperature; or (c)marring or scratching. But if an excluded cause of loss that is listed in B.2.d.(1)through (7)results in a "specified cause of loss" or building glass breakage, we will pay for the loss or damage caused by that "specified cause o f loss" or building glass breakage. e. Steam Apparatus Explosion of steam boilers, steam pipes, steam engines or steam turbines owned or leased by you, or operated under your control. But if explosion of steam boilers, steam pipes, steam engines or steam turbines results in fire or combustion explosion, we will pay for the loss or damage caused by that fire or combustion explosion. We will also pay for loss or damage caused by or resulting from the explosion of gases or fuel within the furnace of any fired vessel or within the flues or passages through which the gases of combustion pass. f. Frozen Plumbing Water, other liquids,powder or molten material that leaks or f lows from plumbing, heating, air conditioning or other equipment (except fire protective systems) caused by or resulting from freezing,unless: (1)you do your best to maintain heat in the building or structure; or (2)you drain the equipment and shut off the water supply if the heat is not maintained. g. Dishonesty Dishonest or criminal act(s) (including theft) by you, anyone else with an interest in the property, or any of your or their partners, "members", officers, "managers", employees (including temporary or leased employees), directors, trustees or authorized representatives whether acting alone or in collusion with each other or with any other party; or theft by any person to whom you entrust the property for any purpose, whether acting alone or in collusion with any other party. This exclusion: (1)applies whether or not an act occurs during your normal hours of operation; (2)does not apply to acts of destruction by your employees (including temporary or leased employees) or authorized representatives; but theft by your employees (including temporary or leased employees) or authorized representatives is not covered. R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 42 of 92) With respect to accounts receivable and "valuable papers and records", this exclusion does not apply to "carriers" for hire. This exclusion does not apply to the extent that coverage is provided under the Employee Dishonesty (including ERISA) Additional Coverage. h. False Pretense Voluntary parting with any pr operty by you or anyone else to whom you have entrusted the property if induced to do so by any fraudulent scheme, trick, device or false pretense. i. Exposed Property Rain, snow, sand, dust, ice or s leet to personal pr operty in the open, except to the extent coverage is provided under the Outdoor Property Coverage Extension. j. Collapse (1)Collapse, including any of the following conditions of pr operty or any part of the property: (a)an abrupt falling down or caving in; (b)loss of structural integrity, including separation of parts of the pr operty or property in danger of falling down or caving in; or (c)any cracking, bulging, sagging,bending,leaning, settling, shrinkage or expansion as such condition relates to Paragraph j.(1)(a)or j.(1)(b). But if collapse results in a Covered Cause of Loss at the de scribed premises, we will pay for the loss or damage caused by that Covered Cause of Loss. (2)This Exclusion j., does not apply: (a)to the extent that coverage is provided under the Additional Coverage -Collapse; or (b)to collapse caused by one or more of the following: (i)the "specified causes of loss"; (ii)breakage of building glass; (iii)weight of rain that collects on a roof; or (iv)weight of people or personal property. k. Pollution We will not pay for loss or damage caused by or resulting from the discharge, or dispersal, seepage, migration, release or escape of "pollutants"unless the release, discharge or dispersal is itself caused by any of the "specified causes of loss". But if the discharge, dispersal, seepage, migration, release or escape of "pollutants" results in a "specified cause of loss", we will pay for the loss or damage caused by that "specified cause of loss". R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 43 of 92) 3.We will not pay for loss or damage caused by or resulting from any of the following B.3.a. through B.3.c.But if an excluded cause of loss that is listed in B.3.a.through B.3.c.results in a Covered Cause of Loss, we will pay for the loss or damage caused by that Covered Cause of Loss. a. Weather Conditions Weather conditions. But this exclusion only applies if weather conditions contribute in any way with a cause or event excluded in paragraph B.1.above to produce the loss or damage. b. Acts or Decisions Acts or decisions, including the failure to act or decide, of any person, group, organization or governmental body. c. Negligent Work Faulty, inadequate or defective: (1)planning, zoning, development, surveying, siting; (2)design, specifications, workmanship, repair, construction, renovation, remodeling, grading, compaction; (3)materials used in repair, construction, renovation or remodeling; or (4)maintenance; of part or all of any property on or off the described premises. 4. Business Income and Extra Expense Exclusions We will not pay for: a.any Extra Expense, or increase of Business Income loss, caused by or resulting from: (1)delay in rebuilding, repairing or replacing the pr operty or resuming "operations", due to interference at the location of the rebuilding, repair or replacement by strikers or other persons; or (2)suspension,lapse or cancellation of any license,lease or contract. But if the suspension,lapse or cancellation is directly caused by the "suspension" of "operations", we will cover such loss that affects your Business Income during the "period of restoration". b.any other consequential loss. 5. Accounts Receivable and "Valuable Papers and Records" Exclusions The following exclusions apply to the Accounts Receivable and to the "Valuable Papers and Records" Coverage Extension: a.We will not pay for loss or damage caused by or resulting from electrical or magnetic injury, disturbance or erasure of electronic recordings that is caused by or results from: (1)programming errors or faulty machine instructions; R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 44 of 92) (2)faulty installation or maintenance of "data" processing equipment or component parts; But we will pay for direct loss or damage caused by lightning. b.Applicable to "Valuable Papers and Records" Coverage Extension only: We will not pay for loss or damage caused by or resulting from errors or omissions in processing or copying. But we will pay for direct loss or damage caused by resulting fire or explosion. c.Applicable to Accounts Receivable Coverage Extension only: We will not pay for: (1)loss or damage caused by or resulting from alteration, falsification, concealment or destruction of records of accounts receivable done to conceal the wr ongful giving, taking or withholding of "money", "securities" or "other property". This exclusion applies only to the extent of the wrongful giving, taking or withholding. (2)loss or damage caused by or resulting from bookkeeping,accounting or billing errors or omissions. (3)any loss or damage that requires any audit of records or any inventory computation to prove its factual existence. C. LIMITS OF INSURANCE 1.The most we will pay for loss or damage in any one occurrence is the applicable Limits of Insurance shown in the Declarations. 2.The Limits of Insurance applicable to the Coverage Extensions, and to the Additional Coverages for Fire Department Service Charge, Hand-Held Fire Extinguisher and Fire Extinguisher System Recharge Expense and Pollutant Cleanup and Removal are in addition to the Limits of Insurance shown in the Declarations. 3. Building Limit - Automatic Increase a.The Limit of Insurance for Buildings will automatically increase by the annual percentage shown in the Declarations. b.The amount of increase will be: (1)the Limit of Insurance for Building that applied on the most recent of the Policy inception date, the Policy anniversary date, or any other policy change amending the Limit of Insurance for Building, times (2)the percentage of annual increase s hown in the Declarations, expressed as a decimal (example: 8% is .08), times (3)the number of days since the beginning of the current policy year or the effective date of the most recent policy change amending the Limit of Insurance for Building, divided by 365. R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 45 of 92) Example: If: The applicable Building limit 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 146 The amount of increase is $100,000 x .08 x 146/365 = $3,200. 4. Business Personal Property Limit - Seasonal Increase a.The Limit of Insurance for Business Personal Pr operty will automatically increase by 25% to provide for seasonal variations. b.This increase will apply only if the Limit of Insurance shown for Business Personal Pr operty in the Declarations is at least 100% of your average monthly values during the lesser of: (1)the 12 months immediately preceding the date the loss or damage occurs; or (2)the period of time you have been in business as of the date the loss or damage occurs. D. DEDUCTIBLES 1.We will not pay for loss or damage in any one occurrence until the amount of loss or damage exceeds the Deductible shown in the Declarations. We will then pay the amount of loss or damage in excess of the Deductible up to the applicable Limit of Insurance. 2.Except as otherwise provided in 4., below, and unless another Deductible amount is s hown in the Declarations, the most we will deduct from any loss or damage under all the Additional Coverages and Coverage Extensions in connection with any one occurrence is $100. But this $100 Deductible will not increase the deductible amount s hown in the Declarations. This $100 Deductible will be applied t owards the Deductible amount s hown in the Declarations. 3.No deductible applies to the following Additional Coverages and Coverage Extensions: a. Hand-Held Fire Extinguisher and Fire Extinguisher System Recharge Expense; b. Preservation of Property; c. Fire Department Service Charge; d. Business Income, Extra Expense, Civil Authority and Extended Business Income; e. Arson and Theft Reward; f. Fine Arts. 4.The deductible applicable to the Additional Coverage for "Money" and "Securities"is $250. 5.Subject to 2., above, each deductible shall be applied separately to the respective coverage specified, and the total deductible for the sum of all loss and damage as the result of any one occurrence shall be the highest deductible amount that applies to that occurrence. R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 46 of 92) E. PROPERTY LOSS CONDITIONS 1. Abandonment There can be no abandonment of any pr operty to us. 2. Appraisal If we and you disagree on the amount of loss, either may make written demand for an appraisal of the loss. In this event, each party will select a competent and impartial appraiser. The two appraisers will select an umpire. If they cannot agree, either may request that selection be made by a judge of a court having jurisdiction. The appraisers will state separately the amount of loss. If they fail to agree, they will submit their differences to the umpire. A decision agreed to by any two will be binding. Each party will: a.pay its chosen appraiser; and b.bear the other expenses of the appraisal and umpire equally. If we submit to an appraisal, we will still retain our right to deny the claim. 3. Duties in the Event of Loss or Damage a.You must see that the following are done in the event of loss or damage to Covered Property: (1)Notify the police if a law may have been broken. (2)Give us prompt notice of the loss or damage. Include a de scription of the property involved. (3)As soon as possible, give us a description of how, when and where the loss or damage occurred. (4)Take all reasonable steps to protect the Covered Pr operty from further damage, and keep a record of your expense necessary to protect the Covered Property, for consideration in the settlement of the claim. This will not increase the Limit of Insurance. However, we will not pay for any subsequent loss or damage resulting from a cause of loss that is not a Covered Cause of Loss. Also, if feasible, set the damaged pr operty aside and in the best possible order for examination. (5)At our request, give us complete inventories of the damaged and undamaged pr operty. Include quantities, costs, values and amount of loss claimed. (6)As often as may be reasonably required, permit us to inspect the pr operty and records proving the loss or damage and examine your books and records. Also, permit us to take samples of damaged and undamaged pr operty for inspection, testing and analysis, and permit us to make copies from your books and records. (7)Send us a signed, sworn proof of loss containing the information we request to investigate the claim. You must do this within 60 days after our r equest. We will supply you with the necessary forms. (8)Cooperate with us in the investigation or settlement of the claim. R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 47 of 92) (9)Resume all or part of your "operations" as quickly as possible. b.We may examine any insured under oath while not in the presence of any other insured and at such times as may be reasonably required, about any matter relating to this insurance or the claim, including an insured's books and records. In the event of an examination, an insured's answers must be signed. 4. Legal Action Against Us No one may bring a legal action against us under this insurance unless: a.there has been full compliance with all of the terms of this insurance; and b.the action is brought within 2 years after the date on which the direct physical loss or damage occurred. 5. Loss Payment In the event of loss or damage covered by this Policy: a.At our option, we will either: (1)pay the value of lost or damaged pr operty; (2)pay the cost of repairing or replacing the lost or damaged pr operty; (3)take all or any part of the property at an agreed or appraised value; or (4)repair, rebuild or replace the pr operty with "other property" of like kind and quality, subject to d.(1)(e)below. b.We will give notice of our intentions within 30 days after we receive the sworn statement of loss. c.We will not pay you more than your financial interest in the Covered Property. d.Except as provided in (2)through (10)below, we will determine the value of Covered Property as follows: (1)At replacement cost (without deduction for depreciation) subject to the following: (a)We will pay the cost to repair or replace, after application of the deductible and without deduction for depreciation, but not more than the least of the following amounts: (i)the Limit of Insurance under this Policy that applies to the lost or damaged property; (ii)the cost to replace, on the same premises, the lost or damaged pr operty with "other property"; i.of comparable material and quality; and ii.used for the same purpose; or R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 48 of 92) (iii)the amount that you actually spend that is necessary to repair or replace the lost or damaged pr operty. (b)You may make a claim for loss or damage covered by this insurance on an actual cash value basis instead of on a replacement cost basis. In the event you elect to have loss or damage settled on an actual cash value basis, you may still make a claim on a replacement cost basis if you notify us of your intent to do so within 180 days after the loss or damage. (c)We will not pay on a replacement cost basis for any loss or damage: (i)until the lost or damaged pr operty is actually repaired or replaced; and (ii)unless the repairs or replacements are made as soon as reasonably possible after the loss or damage. (d)The cost to repair, rebuild or replace does not include the increased cost attributable to enforcement of or compliance with an ordinance or law regulating the construction,use or repair of any property. (2)If the "Actual Cash Values - Building" optio n applies, as s hown in the Declarations, paragraph (1)above does not apply to Buildings. Instead, we will determine the value of Buildings at actual cash value. (3)Property of others at the amount you are liable,plus the cost of labor, materials or services furnished or arranged by you on personal pr operty of others, not to exceed the replacement cost. (4)The following property at actual cash value: (a)used or second-hand merchandise held in storage or for sale; (b)household contents, except personal pr operty in apartments or rooms furnished by you as landlord; (c)manuscripts; and (d)works of art, antiques or rare articles, including etchings, pictures, statuary, marbles, bronzes, porcelains and bric-a-brac. (5)Glass at the cost of replacement with safety glazing material if required by law. (6)Tenants' Improvements and Betterments at: (a)replacement cost if you make repairs promptly. (b)a proportion of your original cost if you do not make repairs promptly. We will determine the proportionate value as fol lows: (i)multiply the original cost by the number of days from the loss or damage to the expiration of the lease; and R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 49 of 92) (ii)divide the amount determined in (i)above by the number of days from the installation of improvements to the expiration of the lease. If your lease contains a renewal option, the expiration of the renewal option period will replace the expiration of the lease in this proc edure. (c)nothing if others pay for repairs or replacement. (7)"Valuable Papers and Records" including those which exist on electronic or magnetic "media" (other than prepackaged software programs), at the cost of: (a)blank materials for repr oducing the records; and (b)the reasonable cost to research, replace or restore the lost information. (8)"Money" and "securities": (a)"money" and "securities": (i)"money" at its face value; and (ii)"securities" at their value at the close of business on the day the loss is discovered. (9)The value of United States Government Internal Revenue taxes and custom duties and refundable state and local taxes paid or f ully determined on the following pr operty held for sale will not be considered in determining the value of Covered Pr operty: (a)distilled spirits; (b)wines; (c)rectified products; or (d)beer. (10)Applicable to only Accounts Receivable: (a)If you cannot accurately establish the amount of accounts receivable outstanding as of the time of loss or damage: (i)we will determine the total of the average monthly amounts of accounts receivable for the 12 months immediately preceding the month in which the loss or damage occurs; and (ii)we will adjust that total for any normal fluctuations in the amount of accounts receivable for the month in which the loss or damage occurred or for any demonstrated variance from the average for that month. (b)The following will be deducted from the total amount of the accounts receivable, however that amount is established: (i)the amount of the accounts for which there is no loss or damage; (ii)the amount of the accounts that you are able to re-establish or collect; R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 50 of 92) (iii)an amount to allow for probable bad debts that you are normally unable to collect; and (iv)all unearned interest and service charges. e.Our payment for loss of or damage to personal pr operty of others will only be for the account of the owners of the property. We may adjust losses with the owners of lost or damaged pr operty if other than you. If we pay the owners, such payments will satisfy your claims against us for the owners' pr operty. We will not pay the owners more than their financial interest in the Covered Property. f.We may elect to defend you against suits arising from claims of owners of property. We will do this at our expense. g.We will pay for covered loss or damage within 30 days after we receive the sworn proof of loss, provided you have complied with all of the terms of this Policy, and (1)we have reached agreement with you on the amount of loss; or (2)an appraisal award has been made. 6. Recovered Property If either you or we recover any property after loss settlement, that party must give the other prompt notice. At your option, you may retain the property. But then you must return to us the amount we paid to you for the property. We will pay recovery expenses and the expenses to repair the recovered property, subject to the Limit of Insurance. 7. Resumption of "Operations" In the event of loss or damage at the described premises you must resume all or part of your "operations" as quickly as possible. We will reduce the amount of your: a.Business Income loss, other than Extra Expense, to the extent you can resume your "operations", in whole or in part, by using damaged or undamaged pr operty (including merchandise or "stock") at the described premises or elsewhere. b.Extra Expense loss to the extent you can return "operations" to normal and discontinue such Extra Expense. 8. Vacancy a. Description of Terms (1)As used in this Vacancy Condition, the term building and the term vacant have the meanings set forth in (a)and (b)below: (a)when this Policy is issued to a tenant, and with respect to that tenant's interest in Covered Property,building means the unit or suite rented or leased to the tenant. Such building is vacant when it does not contain enough business personal pr operty to conduct customary "operations". R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 51 of 92) (b)when this Policy is issued to the owner of a building,building means the entire building. Such building is vacant when 70% or more of its total square footage: (i)is not rented; or (ii)is not used to conduct customary "operations". (2)Buildings under construction or renovation are not considered vacant. b. Vacancy Provisions If the building where loss or damage occurs has been vacant for more than 60 consecutive days before that loss or damage occurs: (1)We will not pay for any loss or damage caused by any of the following even if they are Covered Causes of Loss: (a)vandalism; (b)sprinkler leakage, unless you have protected the system against freez ing; (c)building glass breakage; (d)water damage; (e)theft; or (f)attempted theft. (2)With respect to Covered Causes of Loss other than those listed in b.(1)(a)through (f) above, we will reduce the amount we would otherwise pay for the loss or damage by 15%. F. PROPERTY GENERAL CONDITIONS 1. Control of Property Any act or neglect of any person other than you beyond your direction or control will not affect this insurance. The breach of any condition of this Coverage Form at any one or more locations will not affect coverage at any location where, at the time of loss or damage, the breach of c ondition does not exist. 2. Mortgageholders a.The term mortgageholder includes trustee. b.We will pay for covered loss of or damage to buildings or structures to each mortgageholder shown in the Declarations in their order of precedence, as interests may appear. c.The mortgageholder has the right to receive loss payment even if the mortgageholder has started foreclosure or similar action on the building or structure. R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 52 of 92) d.If we deny our claim because of your acts or because you have failed to comply with the terms of this Policy, the mortgageholder will still have the right to receive loss payment if the mortgageholder: (1)pays any premium due under this Policy at our request if you have failed to do so; (2)submits a signed sworn statement of loss within 60 days after receiving notice from us of your failure to do so; and (3)has notified us of any change in ownership, occupancy or substantial change in risk known to the mortgageholder. All of the terms of this Policy will then apply directly to the mortgageholder. e.If we pay the mortgageholder for any loss or damage and deny payment to you because of your acts or because you have failed to comply with the terms of this Policy: (1)the mortgageholder's rights under the mortgage will be transferred to us to the extent of the amount we pay; and (2)the mortgageholder's right to recover the full amount of the mortgageholder's claim will not be impaired. At our option, we may pay to the mortgageholder the whole principal on the mortgage plus any accrued interest. In this event, your mortgage and note will be transferred to us and you will pay your remaining mortgage debt to us. f.If we cancel this Policy, we will give written notice to the mortgageholder at least: (1)10 days before the effective date of cancellation if we cancel for your non-payment of premium; or (2)30 days before the effective date of cancellation if we cancel for any other reason. g.If we do not renew this Policy, we will give written notice to the mortgageholder at least 10 days before the expiration date of this Policy. 3. No Benefit to Bailee No person or organization, other than you, having custody of Covered Pr operty will benefit from this insurance. 4. Policy Period, Coverage Territory Under this form: a.We will cover loss or damage commencing: (1)during the policy period shown in the Declarations; and (2)within the coverage territory or, with respect to property in transit,while it is between points in the coverage territory. b.The coverage territory is: (1)the United States of America (including its territories and possessions); R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 53 of 92) (2)Puerto Rico; and (3)Canada. G. PROPERTY DEFINITIONS 1. "Banking premises"means the interior of that portion of any building occupied by a banking institution or similar safe depository. 2. "Carrier"means a person or organization providing motor, rail or air transportation for compensation. 3. "Computer"means: a.programmable electronic device that can store, retrieve and process "data"; and b.associated peripheral equipment that provides communication, including input and output functions such as printing and auxiliary functions such as "data" transmission. "Computer" does not include those used to operate production type machinery or equipment. 4. "Electronic media and records"means the f ollowing, if owned by you or licensed to you and used in your business: a."Media", meaning disks, tapes, film, drums, cells or other media which are used with electronically controlled equipment. b."Data", meaning information or facts stored on "media" described in paragraph a.above. "Data" includes "valuable papers and records" converted to "data". c."Computer" program, meaning a set of related electronic instructions which direct the "operations" and functions of a "computer" or a device connection to it, which enable the "computer" or device to receive, process, store, retrieve or send "data". d."Software", including systems and applications software. 5. "Fungi"means any type or form of fungus, including mold or mildew, any mycotoxins, spores, scents or byproducts produced or released by "fungi". 6. "Manager"means a person serving in a directorial c apacity for a limited liability company. 7. "Member"means an owner of a limited liability company represented by its membership interest, who may also serve as a "manager". 8. "Money"means: a.currency, coins and bank notes, whether or not in current use; and b.travelers checks, registered checks and "money" orders held for sale to the public. 9. "Operations"means your business activities occurring at the described premises and tenantability of the described premises. 10. "Other property"means any tangible pr operty, other than "money" and "securities", that has intrinsic value, but does not include any property excluded under this insurance. R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 54 of 92) 11. "Period of Restoration"means the period of time that: a.begins with the date of direct physical loss or damage caused by or resulting from any Covered Cause of Loss at the de scribed premises; and b.ends on the earlier of: (1)the date when the property at the described premises should be repaired, rebuilt or replaced with reasonable speed and similar quality; or (2)the date when business is resumed at a new permanent location. "Period of restoration" does not include any increased period required due to the enforcement of any ordinance or law that; (1)regulates the construction, use or repair, or requires the tearing down of any property; or (2)requires any insured or others to test for, monitor, cleanup, remove, contain, treat, detoxify or neutralize, or in any way res pond to or assess the effects of "pollutants". The Expiration date of this Policy will not cut short the "period of restoration". 12. "Pollutants"means any solid,liquid, gaseous or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste. Waste includes materials, recycled, reconditioned or reclaimed. 13. "Securities"means negotiable and non-negotiable instruments or contracts representing either "money" or "other property" and includes: a.tokens, tickets, revenue and other stamps (whether represented by actual stamps or unused value in a meter),whether or not in current use; and b.evidences of debt issued in connection with credit or charge cards, which cards are not issued by you. But "securities" does not include "money" or lottery tickets held for sale. 14. "Specified Causes of Loss"means the f ollowing: Fire, lightning, explosion,windstorm or hail; smoke; ai rcraft or vehicles; riot or civil commotion; vandalism; leakage from fire extinguishing equipment; sinkhole collapse; volcanic action; falling objects; weight of snow, ice or sleet; water damage. a.Sinkhole collapse means the sudden sinking or collapse of land into underground empty spaces created by the action of water on limestone or dolomite. This cause of loss does not include the cost of filling sinkholes. b.Falling objects does not include loss of or damage to: (1)Personal Pr operty in the open; or (2)the interior of a building or a structure, or pr operty inside a building or struct ure unless the roof or an outside wall of the building or structure is first damaged by a falling object. R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 55 of 92) c.Water damage means accidental discharge or leakage of water or steam as the direct result of the breaking apart or cracking of any part of a system or appliance (other than a sump pump system including its related equipment and parts) containing water or steam. 15. "Stock"means merchandise held in storage or for sale, ra w materials and in-process or finished goods, including supplies used in their packing and shipping. 16. "Valuable papers and records"means: a.Inscribed, printed, or written: (1)documents; (2)manuscripts; and (3)records; Including abstracts,books, deeds, drawings, films, maps or mortgages. b."Electronic media and records". But "valuable papers and records" does not mean "money" or "securities". PART TWO - SAFEPAK LIABILITY COVERAGE FORM Various provisions in this Coverage Form restrict coverage.Read the entire Coverage Form carefully to determine rights, duties and what is and is not covered. Throughout this Coverage Form, the words "you" and "your" refer to the Named Insured shown in the Declarations and any other person or organization qualifying as a named insured under this Policy. The words "we", "us" and "our" refer to the company providing this insurance. The word "insured" means any person or organization qualifying as such under Paragraph C- WHOIS AN INSURED. Other words and phrases that appear in quotation marks have special meaning. Refer to Paragraph F- LIABILITY AND MEDICAL EXPENSES DEFINITIONS. A. COVERAGES 1. Business Liability a.We will pay those sums that the Insured becomes legally obligated to pay as damages because of "bodily injury", "pr operty damage", or "personal and advertising injury" to which this insurance applies. We will have the right and duty to defend the Insured against any "suit" seeking those damages.However, we will have no duty to defend the Insured against any "suit" seeking damages for "bodily injury", "pr operty damage", or "personal and advertising injury" to which this insurance does not apply. We may at our discretion, investigate any "occurrence" or offense and settle any claim or "suit" that may result. But: (1)the amount we will pay for damages is limited as described in Paragraph D - LIABILITY AND MEDICAL EXPENSES LIMITS OF INSURANCE; and R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 56 of 92) (2)our right and duty to defend end when we have used up the applicable Limit of Insurance in the payment of judgments or settlements or medical expenses. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Coverage Extension - Supplementary Payments. b.This insurance applies to: (1)"Bodily injury" and "pr operty damage" only if: (a)the "bodily injury" or "pr operty damage" is caused by an "occurrence" that takes place in the "coverage territory"; (b)the "bodily injury" or "pr operty damage" occurs during the policy period; and (c)prior to the policy period, no Insured listed under paragraph 1.of C- WHOISAN INSURED and no "employee" authorized by you to give or receive notice of an "occurrence" or claim, knew that the "bodily injury" or "pr operty damage" had occurred, in whole or in part. If such a listed Insured or authorized "employee" knew, prior to the policy period, that the "bodily injury" or "pr operty damage" had occurred, in whole or in part, then any continuation, change or resumption of such "bodily injury" or "pr operty damage" during or after the policy period will be deemed to have been known prior to the policy period. (2)"Personal and advertising injury" caused by an offense arising out of your business, but only if the offense is committed in the "coverage territory" during the policy period. c."Bodily injury" or "pr operty damage" which occurs during the policy period and was not, prior to the policy period, known to have occurred by an Insured listed under paragraph 1. of C - WHO IS AN INSURED or any "employee" authorized by you to give or receive notice of an "occurrence" or claim, includes any continuation, change or resumption of that "bodily injury" or "pr operty damage" after the end of the policy period. d."Bodily injury" or "pr operty damage"will be deemed to have been known to have occurred at the earliest time when any insured listed under paragraph 1.of C - WHO IS AN INSURED or any "employee" authorized by you to give or receive notice of an "occurrence" or claim: (1)reports all, or any part, of the "bodily injury" or "pr operty damage" to us or any other insurer; (2)receives a written or verbal demand or claim for damages because of the "bodily injury" or "pr operty damage"; or (3)becomes aware by any other means that "bodily injury" or "pr operty damage" has occurred or has begun to occur. e.Damages because of "bodily injury" includes damages claimed by any person or organization for care, loss of services or death resulting at any time from, the "bodily injury". f. Incidental Medical Malpractice (1)"Bodily injury" arising out of the rendering of or failure to render professional health care services as a physician, dentist, nurse, emergency medical technician or paramedic shall be deemed to be caused by an "occurrence", but only if: R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 57 of 92) (a)the physician, dentist, nurse, emergency medical technician or paramedic is employed by you to provide such services; and (b)you are not engaged in the business or occupation of providing such services. (2)For the purpose of determining the limits of insurance for incidental medical malpractice, any act or omission together with all related acts or omissions in the furnishing of these services to any one person will be considered one "occurrence". g. Coverage Extension - Supplementary Payments (1)We will pay, with respect to any claim we investigate or settle, or any "suit" against an insured we defend: (a)all expenses we incur. (b)up to $1,000 for cost of bail bonds required because of accidents or traffic law violations arising out of the use of any vehicle to which Business Liability Coverage for "bodily injury"applies. We do not have to furnish these bonds. (c)the cost of appeal bonds or bonds to release attachments, but only for bond amounts within our Limit of Insurance. We do not have to furnish these bonds. (d)all reasonable expenses incurred by the Insured at our request to assist us in the investigation or defense of the claim or "suit", including the actual loss of earnings up to $500 a day because of time off from work. (e)all court costs taxed against the Insured in the "suit".However, these payments do not include attorneys' fees or attorneys' expenses taxed against the Insured. (f)prejudgment interest awarded against the Insured on that part of the j udgment we pay. If we make an offer to pay the Limit of Insurance, we will not pay any prejudgment interest based on that period of time after the offer. (g)all interest on the full amount of any judgment that accrues after entry of the judgment and before we have paid, offered to pay, or deposited in court the part of the judgment that is within the Limit of Insurance. These payments will not reduce the Limits of Insurance. (2)If we defend an insured against a "suit" and an indemnitee of the Insured is also named as a party to the "suit", we will defend that indemnitee if all of the following conditions are met: (a)the "suit" against the indemnitee seeks damages for which the Insured has assumed the liability of the indemnitee in a contract or agreement that is an "insured contract"; (b)this insurance applies to such liability assumed by the Insured; (c)the obligation to defend, or the cost of the defense of that indemnitee, has also been assumed by the Insured in the same "insured contract"; (d)the allegations in the "suit" and the information we know about the "occurrence" are such that no conflict appears to exist between the interests of the Insured and the interests of the indemnitee; R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 58 of 92) (e)the indemnitee and the Insured ask us to conduct and control the defense of that indemnitee against such "suit" and agree that we can assign the same counsel to defend the Insured and the indemnitee; and (f)the indemnitee: (i)agrees in writing to: i cooperate with us in the investigation, settlement or defense of the "suit"; ii immediately send us copies of any demands, notices, summonses or legal papers received in connection with the "suit"; iii notify any other insurer whose coverage is available to the indemnitee; and iv cooperate with us with respect to coordinating other applicable insurance available to the indemnitee; and (ii)provides us with written authorization to: i obtain records and other information related to the "suit"; and ii conduct and control the defense of the indemnitee in such "suit". (3)So long as the above conditions are met, attorneys' fees incurred by us in the defense of that indemnitee, necessary litigation expenses incurred by us and necessary litigation expenses incurred by the indemnitee at our request will be paid in Supplementary Payments. Notwithstanding the provisions of paragraph B.1.b.(2)of Exclusions, such payments will not be deemed to be damages for "bodily injury" and "pr operty damage" and will not reduce the Limits of Insurance. Our obligation to defend an insured's indemnitee and to pay for attorneys' fees and necessary litigation expenses as Supplementary Payments end when: a.we have used up the applicable Limit of Insurance in the payment of judgments or settlements; or b.the conditions set forth above, or the terms of the agreement described in paragrah (2)(f)above are no longer met. 2. Medical Expenses a.We will pay medical expenses as described below for "bodily injury" caused by an accident: (1)on premises you own or rent; (2)on ways next to premises you own or rent; or (3)because of your operations; provided that: (a)the accident takes place in the "coverage territory" and during the policy period; (b)the expenses are incurred and reported to us within three years of the date of the accident; and R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 59 of 92) (c)the injured person submits to examination, at our expense, by physicians of our choice as often as we reasonably require. b.We will make these payments regardless of fault. These payments will not exceed the Limits of Insurance of the SAFEPAK LIABILITY COVERAGE FORM. We will pay reasonable expenses for: (1)first aid administered at the time of an accident; (2)necessary medical, surgical, X-ray and dental services, including prosthetic devices; and (3)necessary ambulance, hospital, professional nursing and funeral services. B. EXCLUSIONS 1. Applicable to Business Liability Coverage This insurance does not apply to: a. Expected or Intended Injury (1)"Bodily injury" or "pr operty damage" expected or intended from the standpoint of the Insured. This exclusion does not apply to "bodily injury" or "pr operty damage" resulting from the use of reasonable force to protect persons or pr operty; or (2)"Personal and advertising injury" arising out of an offense committed by, at the direction of or with the consent of the Insured with the expectation of inflicting "personal and advertising injury". b. Contractual Liability "Bodily injury", "pr operty damage", or "personal and advertising injury" for which the Insured is obligated to pay damages by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability for damages: (1)that the Insured would have in the absence of the contract or agreement; or (2)"bodily injury" or "pr operty damage" assumed in a contract or agreement that is an "insured contract", provided the "bodily injury" or "pr operty damage" occurs subsequent to the execution of the contract or agreement. Solely for the purposes of liability assumed in an "insured contract", reasonable attorney fees and necessary litigation expenses incurred by or for a party other than an insured are deemed to be damages because of "bodily injury" or "pr operty damage", prov ided: (a)liability to such party for, or for the cost of, that party's defense has also been assumed in the same "insured contract"; and (b)such attorney fees and litigation expenses are for defense of that party against a civil or alternative dispute resolution proceeding in which damages to which this insurance applies are alleged. c. Liquor Liability "Bodily injury" or "pr operty damage" for which any insured may be held liable by reason of: (1)causing or contributing to the intoxication of any person; R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 60 of 92) (2)the furnishing of alcoholic beverages to a person under the legal drinking age or under the influence of alcohol; or (3)any statute, ordinance or regulation relating to the sale, gift, distribution or use of alcoholic beverages. This exclusion applies even if the claims allege negligence or other wrongdoing in: (a)the supervision, hiring, employment, training or monitoring of others by an insured; or (b)providing or failing to provide transportation with respect to any person that may be under the influence of alcohol; if the "occurrence" which caused the "bodily injury" or "pr operty damage", involved that which is described in Paragraph (1), (2)or (3)above. However, this exclusion applies only if you are in the business of manufacturing, distributing, selling, serving or furnishing alcoholic beverages. For the purposes of this exclusion, permitting a person to bring alcoholic beverages on your premises, for consumption on your premises, whether or not a fee is charged or a license required for such activity, is not by itself considered the business of selling, serving or furnishing alcoholic beverages. d. Workers' Compensation and Similar Laws Any obligation of the Insured under a workers' compensation, disability benefits or unemployment compensation law or any similar 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 conduct of the Insured's business; or (2)the spouse, child, parent, brother or sister of that "employee" as a consequence of paragraph (1)above. This exclusion applies whether the insured may be liable as an employer or in any other capacity and to any obligation to share damages with or repay someone else who must pay damages because of the injury. This exclusion does not apply to liability assumed by the Insured under an "insured contract". f. Pollution (1)"Bodily injury", "pr operty damage", or "personal and advertising injury" arising out of the actual, alleged, or threatened discharge, dispersal, seepage, migration, release or escape of "pollutants": R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 61 of 92) (a)at or from or into any premises, site or location which is or was at any time owned or occupied by or rented or loaned to any insured.However, this subparagraph does not apply to: (i)"bodily injury" if sustained within a building and caused by smoke, fumes, vapor or soot produced by or originating from equipment that is used to heat, cool or dehumidify the building, or equipment that is used to heat water for personal use, by the building's occupants or their guests; (ii)"bodily injury" or "pr operty damage" for which you may be held liable, if you are a contractor and the owner or lessee of such premises, site or location has been added to your policy as an "additional insured" with respect to your ongoing operations performed for that "additional insured" at that premises, site or location and such premises, site or location is not and never was owned by, or rented or loaned to, any insured, other than that "additional insured"; or (iii)"bodily injury" or "pr operty damage" arising out of heat, smoke or fumes from a "hostile fire"; (b)at or from any premises, site or location which is or was at any time used by or for any insured or others for the handling, storage, disposal, processing or treatment of waste; (c)which are or were at any time transported, handled, stored, treated, disposed of, or processed as waste by or for: (i)any Insured; or (ii)any person or organization for whom you may be legally responsible; (d)at or from any premises, site or location on which any Insured or any contractors or subcontractors working directly or indirectly on any Insured's behalf are performing operations if the "pollutants" are brought on or to the premises, site or location in connection with such operations by such Insured, contractor or subcontractor. However, this subparagraph does not apply to: (i)"bodily injury" or "pr operty damage" arising out of the escape of fuels, lubricants or other operating fluids which are needed to perform the normal electrical, hydraulic or mechanical functions necessary for the operation of "mobile equipment" or its parts, if such fuels, lubricants or other operating fluids escape from a vehicle part designed to hold, store or receive them. This exception does not apply if the "bodily injury" or "pr operty damage" arises out of the intentional discharge, dispersal or release of the fuels, lubricants or other operating fluids, or if such fuels,lubricants or other operating fluids are brought on or to the premises, site or location with the intent that they be discharged, dispersed or released as part of the operations being performed by such insured, contractor or subcontractor; (ii)"bodily injury" or "pr operty damage" sustained within a building and caused by the release of gases, fumes or vapors from materials brought into that building in connection with operations being performed by you or on your behalf by a contractor or subcontractor; or (iii)"bodily injury" or "pr operty damage" arising out of heat, smoke or fumes from a "hostile fire". R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 62 of 92) (e)at or from any premises, site or location on which any insured or any contractor or subcontractor working directly or indirectly on an Insured's behalf are performing operations if the operations are to test for, monitor, cleanup, remove, contain, treat, detoxify or neutralize, or in any way res pond to, or assess the effects of "pollutants". (2)Any loss, cost or expense arising out of any: (a)request, demand, order or statutory or regulatory requirement that any Insured or others test for, monitor, cleanup, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of "pollutants"; or (b)claim or "suit" by or on behalf of a governmental authority for damages because of testing for, monitoring, cleaning up, removing, containing, treating, detoxifying or neutralizing, or in any way res ponding to, or assessing the effects of "pollutants". However, this paragraph does not apply to liability for damages because of "pr operty damage" that the Insured would have in the absence of such request, demand, order or statutory or regulatory requirement, or such claim or "suit" by or on behalf of a governmental authority. g. Aircraft, "Auto" or Watercraft "Bodily injury" or "pr operty damage" arising out of the ownership, maintenance, use or entrustment to others of any aircraft, "auto" or watercraft owned or operated by or rented or loaned to any insured. Use includes operation and "loading or unloading". This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that Insured, if the "occurrence" which caused the "bodily injury" or "pr operty damage" involved the ownership, maintenance, use or entrustment of others of any ai rcraft, "auto" or watercraft that is owned or operated by or rented or loaned 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 51 feet long; and (b)not being used to carry persons 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 loaned to you or the Insured; (4)liability assumed under any "insured contract" for the ownership, maintenance or use of aircraft or watercraft; or (5)"bodily injury" or "pr operty damage" arising out of: (a)the operation of machinery or equipment that is attached to, or part of, a land vehicle that would qualify under the definition of "mobile equipment" if it were not subject to a compulsory or financial responsibility law or other motor vehicle insurance or motor vehicle registration law where it is licensed or principally garaged; R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 63 of 92) (b)the operation of any of the machinery or equipment listed in paragraph f.(1)or f.(3) of the definition of "mobile equipment". (6)an aircraft that is: (a)not owned by any Insured, and (b)hired, chartered or loaned with a paid crew. However, the exception stated in subparagraph (6)does not apply if the Insured has any other insurance for such "bodily injury" or "pr operty damage",whether the other insurance is primary, excess, contingent or on any other basis. h. "Mobile Equipment" "Bodily injury" or "pr operty damage" arising out of: (1)the transportation of "mobile equipment" by an "auto" owned or operated by or rented or loaned to any insured; or (2)the use of "mobile equipment" in, or while in practice for, or while being prepared for, any prearranged racing, speed, demolition or stunting activity. i. War "Bodily injury", "pr operty damage" or "personal and advertising injury",however caused, arising directly or indirectly out of: (1)war, including undeclared or civil war; (2)warlike action by a military fo rce, including action in hindering or defending against an actual or expected attack, by any government, sovereign, or other authority using military personnel or other agents; or (3)insurrection, rebellion or revolution, usurped power, or action taken by governmental authority in hindering or defending against any of these. j. Professional Services "Bodily injury", "pr operty damage", or "personal and advertising injury" arising out of the rendering or failure t o render any professional service, including but not limited to: (1)legal, accounting or advertising services; (2)preparing or approving maps, drawings,opinions, reports, surveys, field orders, change orders, designs or drawings and specifications; (3)inspection services; (4)architectural or engineering services; (5)medical, surgical, dental,X-ray or nursing services, treatment, advice or instruction; (6)any health or ther apeutic service, treatment, advice or instruction; (7)any nutrition service, treatment, advice or instruction; R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 64 of 92) (8)any service, treatment, advice or instruction for the purpose of appearance or skin enhancement, hair removal or replacement or personal grooming; (9)optical or hearing aid services including the prescribing, preparation, fitting, demonstration or distribution of ophthalmic lenses and similar pr oducts or hearing aid devices; (10)optometry or optometric services including but not limited to examination of the eyes and the prescribing, preparation, fitting, demonstration or distribution of opthalmic lenses and similar products; (11)any: (a)body piercing (not including ear piercing); and (b)tattooing; including but not limited to the insertion of pigments into or under the skin; (12)services in the practice of pharmacy; (13)veterinary medicine services; (14)mortician services; and (15)computer consulting, design or programming services, including web site design. Paragraphs (5),(6), and (7)of this exclusion do not apply to the Incidental Medical Malpractice coverage afforded under Paragraph f.in A. COVERAGES,1. Business Liability. This exclusion applies even if the claims allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by an insured, if the "occurrence" which caused the "bodily injury" or "pr operty damage", or the offense which caused the "personal and advertising injury", involved the rendering or failure to render of any professional service. k. Damage to Property "Property damage" to: (1)property you own, rent or occupy, including any costs or expenses incurred by you, or any other person, organization or entity, for repair, replacement,enhancement, restoration or maintenance of such pr operty for any reason, including prevention of injury to a person or damage to another's pr operty; (2)premises you sell, give away or abandon, if the "pr operty damage" arises out of any part of those premises; (3)property loaned to you; (4)personal pr operty in the care, custody or control of the Insured; (5)that particular part of real pr operty on which you or any contractor or subcontractor working directly or indirectly on your behalf is performing operations, if the "pr operty damage" arises out of those operations; or R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 65 of 92) (6)that particular part of any pr operty that must be restored, repaired or replaced because "your work" was incorrectly performed on it. Paragraphs (1),(3)and (4)of this exclusion do not apply to "pr operty damage" (other than damage by fire) to premises, including the contents of such premises, rented to you for a period of seven or fewer consecutive days. A separate Limit of Insurance applies to Damage to Property Rented to You as described in Paragraph D. LIABILITY AND MEDICAL EXPENSES LIMITS OF INSURANCE. Paragraph (2)of this exclusion does not apply if the premises are "your work" and were never occupied, rented or held for rental by you. Paragraphs (3),(4),(5)and (6)of this exclusion do not apply to liability assumed under a sidetrack agreement. Paragraphs (3)and (4)of this exclusion do not apply to "pr operty damage" to borr owed equipment while not being used to perform operations at a job site. Paragraph (6)of this exclusion does not apply to "pr operty damage" included in the "products-completed operations hazard". l. Damage to "Your Product" "Property damage" to "your product" arising out of it or any part of it. m. Damage to "Your Work" "Property damage" to "your work" arising out of it or any part of it and included in the "products-completed operations hazard". This exclusion does not apply if the damaged work or the work out of which the damage arises was performed on your behalf by a subcontractor. n. Damage to "Impaired Property" or Property Not Physically Injured "Property damage" to "impaired pr operty" or property that has not been physically injured, arising out of: (1)a defect, deficiency, inadequacy or dangerous condition in "your product" or "your work"; or (2)a delay or failure by you or anyone acting on your behalf to perform a contract or agreement in accordance with its terms. This exclusion does not apply to the loss of use of other pr operty arising out of sudden and accidental physical injury to "your product" or "your work" after it has been put to its intended use. o. Recall of Products, Work or "Impaired Property" Damages claimed for any loss, cost or expense incurred by you or others for the loss of use, withdrawal, recall, inspection, repair, replacement, adjustment, removal or disposal of: (1)"your product"; (2)"your work"; or R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 66 of 92) (3)"impaired property"; if such product, work or property is withdrawn or recalled from the market or from use by any person or organization because of a known or suspected defect, deficiency, inadequacy or dangerous condition in it. p. "Personal and Advertising Injury" "Personal and advertising injury": (1)caused by or at the direction of the insured with the knowledge that the act would violate the rights of another and would inflict "personal and advertising injury"; (2)arising out of oral or written publication, in any manner, of material, if done by or at the direction of the insured with knowledge of its falsity; (3)arising out of oral or written publication, in any manner, of material whose first publication took place before the beginning of the policy period; (4)arising out of a criminal act committed by or at the direction of the insured. (5)arising out of any breach of contract, except an implied contract to use another's advertising idea in your "advertisement"; (6)arising out of th e failure of goods, products or services to conform with any statement of quality or performance made in your "advertisement"; (7)arising out of the wrong description of the price of goods, products or services stated in your "advertisement"; (8)committed by an insured whose business is: (a)advertising, broadcasting,publishing or telecasting; (b)designing or determining content of web-sites for others; or (c)an Internet search, access, content or service provider. However, this exclusion does not apply to paragraphs a.,b., and c.of "personal and advertising injury" under paragraph F. LIABILITY AND MEDICAL EXPENSES DEFINITIONS. For the purposes of this exclusion, the placing of frames, borders or links, or advertising, for you or others anywhere on the Internet, by itself, is not considered the business of advertising, broadcasting,publishing or telecasting; (9)arising out of an electronic chat room or bulletin board the Insured hosts, owns or over which the Insured exercises control; (10)arising out of the infringement of copyright, patent, trademark, trade secret or other intellectual pr operty rights.Under this exclusion, such other intellectual pr operty rights do not include the use of another's advertising idea in your "advertisement". However, this exclusion does not apply to infringement, in your "advertisement" of copyright, trade dress or slogan; R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 67 of 92) (11)arising out of the unauthorized use of another's name or pr oduct in your e-mail address, domain name or metatags, or any other similar tactics to mislead another's potential customers; (12)arising out of the violation of a person's right to privacy created by any state or federal act. However, this exclusion does not apply to liability for damages that the Insured would have in the absence of such state or federal act; (13)arising out of: (a)any "advertisement" on your web site for another person's or organization's goods or services; (b)any link on your web site to another person's or organization's web site; or (c)any content from another person's or organization's web site, displayed within a frame or border on your web site. Content includes information, code, text, sounds, graphics and/or images; (d)any computer code, software or programming used to enable: (i)your web site; or (ii)the presentation or functionality of an "advertisement" or other content on your web site. (14)arising out of a violation of any anti-trust law. (15)arising out of any fluctuation in the price or value of any stock,bond, or other security; (16)arising out of any discrimination or any humiliation, committed by or at the direction of any "executive officer", director, stockholder, partner, or member of the insured. q. Access Or Disclosure Of Confidential Or Personal Information And Data-Related Liability-With Limited "Bodily Injury" Exception (1)Damages arising out of: (a)any access to or disclosure of any person's or organization's confidential or personal information, including patents, trade secrets, processing methods, customer lists, financial information, credit card information,health information or any other type of nonpublic information; or (b)the loss of, loss of use of, damage to, corruption of, inability to access, or inability to manipulate electronic data. This exclusion applies even if damages are claimed for notification costs, credit monitoring expenses, forensic expenses, public relations expenses or any other loss, cost or expense incurred by you or others arising out of that which is described in paragraph (1)or (2)above. However, unless paragraph (1)above applies, this exclusion does not apply to damages because of "bodily injury". R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 68 of 92) As used in this exclusion, electronic data means information, facts or programs stored as or on, created or used on, or transmitted to or from computer software, including systems and applications software, hard or fl oppy disks, CD-ROMs, tapes, drives, cells, data processing devices or any other media which are used with electronically controlled equipment. (2)"Personal and advertising injury" arising out of any access to or disclosure of any person's or organization's confidential or personal information, including patents, trade secrets, processing methods, customer lists, financial information, credit card information, health information or any other type of nonpublic information. This exclusion applies even if damages are claimed for notification costs, credit monitoring expenses, forensic expenses, public relations expenses or any other loss, cost or expense incurred by you or others arising out of any access to or disclosure of any person's or organization's confidential or personal information. r. Employment-Related Practices "Bodily injury" or "personal and advertising injury" to: (1)a person, arising out of any: (a)refusal to employ that person; (b)termination of that person's employment; (c)employment-related practices, policies, acts or omissions, such as coercion, demotion, evaluation, reassignment, discipline,defamation, harassment, humiliation, discrimination or malicious prosecution directed at that person; or (2)the spouse, child, parent, brother or sister of that person as a consequence of "bodily injury" or "personal and advertising injury" to the person at whom any of the employment-related practices described in paragraph (1)(a),(1)(b)or (1)(c)above is directed. This exclusion applies: (1)whether the injury-causing event described in paragraphs (1)(a),(1)(b)or (1)(c)above occurs before employment, during employment or after employment of that person; (2)whether the Insured may be liable as an employer or in any other capacity; and (3)to any obligation to share damages with or repay someone else who must pay damages because of the injury. s. Recording And Distribution Of Material Or Information In Violation Of Law "Bodily injury", "pr operty damage" or "personal and advertising injury" arising directly or indirectly out of any act or omission that violates or is alleged to violate: (1)the Telephone Consumer Protection Act (TCPA), inc luding any amendment of or addition to such law; (2)the CAN-SPAM Act of 2003, including any amendment of or addition to such law; R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 69 of 92) (3)the Fair Credit Reporting Act (FCRA), and any amendment of or addition to such law, including Fair and Accurate Credit Transaction Act (FACTA); or (4)any federal, state or local statute, ordinance or regulation, other than the TCPA, CAN-SPAM Act of 2003 or FCRA and their amendments and additions, that addresses, prohibits or limits the printing, dissemination, disposal, collecting, recording, sending, transmitting, communicating or distribution of material or information. Exclusions c .,d .,e .,f .,g.,h.,i.,k.,l.,m .,n. and o . do not apply to damage by fire, lightning or explosion to premises while rented to you, or temporarily occupied by you with permission of the owner. A separate Damage to Premises Rented to You Limit of Insurance applies to this coverage as described in Paragraph D. LIABILITY AND MEDICAL EXPENSES LIMITS OF INSURANCE. 2. Applicable to Medical Expenses Coverage We will not pay expenses for "bodily injury": a.to any insured, except "volunteer workers". b.to a person hired to do work for or on behalf of any insured or a tenant of any insured. c.to a person injured on that part of premises you own or rent that the person normally occupies. d.to a person, whether or not an "employee" of any insured, if benefits for the "bodily injury" are payable or must be provided under a workers' compensation or disability benefits law or a similar law. e.to a person injured while practicing, instructing or participating in any physical exercises or games, sports or athletic contests. f.included within the "pr oducts-completed operations hazard". g.excluded under Business Liability Coverage. 3. Applicable to Both Business Liability Coverage and Medical Expenses Coverage - Nuclear Energy Liability Exclusion This insurance does not apply: a.under Business Liability Coverage, to "bodily injury" or "pr operty damage": (1)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 Energy Liability Underwriters or Nuclear Insurance Association of Canada, or would be an insured under any such policy but for its termination upon exhaustion of its Limit of Liability; or (2)resulting from the "hazardous properties" of "nuclear material" and with respect to which: (a)any person or organization is required to maintain financial protection pursuant to the Atomic Energy Act of 1954, or any law amendatory thereof; or R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 70 of 92) (b)the Insured is, or had this Policy not been issued would be, entitled to indemnity from the United States of America, o r any agency thereof, under any agreement entered into by the United States of America, or any agency thereof, with any person or organization. b.under Medical Expenses Coverage, to expenses incurred with respect to "bodily injury" resulting from the "hazardous properties" of "nuclear material" and arising out of the operation of a "nuclear facility" by any person or organization. c.under Business Liability Coverage, to "bodily injury" or "pr operty damage" resulting from the "hazardous properties" of "nuclear material", if: (1)the "nuclear material": (a)is at any "nuclear facility" owned by, or operated by or on behalf of, an insured; or (b)has been discharged or dispersed therefrom; (2)the "nuclear material" is contained in "spent fuel" or "waste" at any time possessed, handled, used, processed, stored, transported or disposed of by or on behalf of an insured; or (3)the "bodily injury" or "pr operty damage" arises out of the furnishing by an insured of services, materials, parts or equipment in connection with the planning, construction, maintenance,operation or use of any "nuclear facility"; but if such facility is located within the United States of America, its territories or possessions or Canada, this Exclusion (3)applies only to "property damage" to such "nuclear facility" and any property thereat. d.as used in this exclusion: (1)"By-product material" has the meaning given it in the Atomic Energy Act of 1954 or in any law amendatory thereof; (2)"hazardous properties" include radioactive, toxic or explosive properties; (3)"nuclear facility" means: (a)any "nuclear reactor"; (b)any equipment or device designed or used for (i)separating the isot opes of uranium or plutonium; (ii)processing or utilizing "spent fuel"; or (iii)handling, processing or packaging "waste"; (c)any equipment or device used for the processing, fabricating or alloying of "special nuclear material" if at any time the total amount of such material in the custody of the "Insured" at the premises where such equipment or device is located consists of or contains more than 25 grams of plutonium or uranium 233 or any combination thereof, or more than 250 grams of uranium 235; R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 71 of 92) (d)any structure, basin, excavation, premises or place prepared or used for the storage or disposal of "waste"; and includes the site on which any of the for egoing is located, all operations conducted on such site and all premises used for such operations; (4)"Nuclear material" means "source material", "special nuclear material" or "byproduct material". (5)"Nuclear reactor" means any apparatus designed or used to sustain nuclear fission in a self-supporting chain reaction or to contain a critical mass of fissi onable material. (6)"Property damage" includes all forms of radioactive contamination of property. (7)"Source material" has the meaning given it in the Atomic Energy Act of 1954 or in any law amendatory thereof. (8)"Special nuclear material" has the meaning given it in the Atomic Energy Act of 1954 or in any law amendatory thereof. (9)"Spent fuel" means any fuel element or fuel component, solid or liquid, which has been used or exposed to radiation in a "nuclear reactor". (10)"Waste" means any waste material: (a)containing "byproduct material" other than the tailings or wastes produced by the extraction or concentration of uranium or thorium from any ore processed primarily for its "source material" content, and (b)resulting from the operation by any person or organization of any "nuclear facility" included under the first tw o paragraphs of the definition of "nuclear facility". C. WHO IS AN INSURED 1.If you are designated in the Declarations as: a.an individual, you and your spouse are insureds, but only with respect to the conduct of a business of which you are the sole owner. b.a partnership or joint venture, you are an insured. Your members, your partners and their spouses are also insureds, but only with respect to the conduct of your business. c.a limited liability company, you are an insured. Your members are also insureds, but only with respect to the conduct of your business. Your managers are insureds, but only with respect to their duties as your managers. d.an organization other than a partnership,joint venture or limited liability company, you are an insured. Your "executive officers" and directors are insureds, but only with respect to their duties as your officers or directors. Your stockholders are also insureds, but only with respect to their liability as your stockholders. e.a trust, you are an insured. Your trustees are also insureds, but only with respect to their duties as your trustees. 2.Each of the following is also an insured: R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 72 of 92) a.your "volunteer workers" only while performing duties related to the conduct of your business, or your "employees", other than either your "executive officers" (if you are an organization other than a partnership,joint venture or limited liability company) or your managers (if you are a limited liability company), but only for acts within the scope of their employment by you or while performing duties related to the conduct of your business. However,none of these "employees" or "volunteer workers" are insureds for: (1)"Bodily injury" or "personal and advertising injury": (a)to you, to your partners or members (if you are a partnership or joint venture), to your members (if you are a limited liability company), or to a co-"em ployee"while in the course of his or her employment or performing duties related to the conduct of your business, or to your other "volunteer workers" while performing duties related to the conduct of your business; (b)to the spouse, child, parent, brother or sister of that co-"em ployee" or "volunteer worker" as a consequence of paragraph (1)(a)above; (c)for which there is any obligation to share damages with or repay someone else who must pay damages of the injury described in paragraphs (1)(a)or (1)(b)above; or (d)arising out of his or her providing or failing to provide professional health care services. If you are not in the business of providing professional health care services, paragraph (1)(d)does not apply to any of your "employees" who is a physician, dentist, nurse, emergency medical technician or paramedic employed by you to provide such services. (2)"Property damage" to pr operty: (a)owned, occupied or used by; (b)rented to, in the care, custody or control of, or over which physical control is being exercised for any purpose by; you, any of your "employees", "volunteer workers", any partner or member (if you are a partnership or joint venture), or any member (if you are a limited liability company). b.any person (other than your "employee" or "volunteer worker"),or any organization while acting as your real estate manager. c.any person or organization having pr oper temporary custody of your property if you die, but only: (1)with respect to liability arising out of the maintenance or use of that pr operty; and (2)until your legal representative has been appointed. d.your legal representative if you die, but only with respect to duties as such. That representative will have all your rights and duties under this Policy. e.any subsidiary corporation of which you own more than 50% of the voting stock at both: (1)the beginning of the policy period of this Policy; and R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 73 of 92) (2)either: (a)the date when the "bodily injury" or "pr operty damage" occurs; or (b)the date of the offense causing "personal and advertising injury", whichever applies. However, no such subsidiary corporation that is not specifically identified in the Declarations as a named insured is an insured with respect to any "bodily injury", "pr operty damage", or "personal and advertising injury" for which that subsidiary is an insured under any other insurance, or for which that subsidiary would be an insured under other insurance but for that other insurance's termination or exhaustion of its applicable Limit of Insurance. 3.Any organization you newly acquire or form, other than a partnership,joint venture or limited liability company, and of which you own more than 50% of the voting stock,will qualify as an insured if there is no other similar insurance available to that organization.However: a.coverage under this provision is afforded only until the 180th day after you acquire or form the organization or the end of the policy period, whichever is earlier; b.coverage under this provision does not apply to "bodily injury" or "pr operty damage" that occurred before you acquired or formed the organization; and c.coverage under this provision does not apply to "personal and advertising injury" arising out of an offense committed before you acquired or formed the organization. 4.With respect to "mobile equipment" registered in your name or under any motor vehicle registration law, any person is an insured while driving such equipment along a public highway with your permission. Any other person or organization responsible for the conduct of such person is also an insured, but only with respect to liability arising out of the operation of the equipment, and only if no other insurance of any kind is available to that person or organization for this liability.However, no person or organization is an insured with respect to: a."bodily injury" to a co-"employee" of the person driving the equipment; or b."property damage" to pr operty owned by, rented to, in the charge of or occupied by you or the employer of any person who is an insured under this provision. 5.With respect to a watercraft you do not own that is less than 51 feet long and is not being used to carry persons for a charge, any person is an insured while operating such watercraft: a.with your permission; and b.in connection with the conduct of your business. Any other person or organization responsible for the c onduct of such person is also an insured, but only with respect to liability arising out of the operation of the watercraft in connection with the conduct of your business, and only if no other insurance of any kind is available to that person or organization for such liability. However, no person or organization is an insured with respect to: a."bodily injury" to a co-"employee" of the person operating the watercraft; or R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 74 of 92) b."property damage" to pr operty owned by, rented to, in the charge of or occupied by you or the employer of any person who is an insured under this Policy. 6. "Additional Insureds" When Required by Written Contract, Written Agreement or Permit a.The persons or organizations described in paragraphs b.through g.below are also insureds (and may also be referred to below as "additional insureds"), but only if: (1)either: (a)you have agreed, in a written contract to have such person or organization added as an "additional insured"under this Policy; or (b)a permit issued to you by a state or political subdivision requires such person or organization to be added as an "additional insured"under this Policy; and (2)the "bodily injury", "pr operty damage", or offense causing "personal and advertising injury" occurs subsequent to execution of the contract or agreement, or issuance of the permit. A person's or organization's status as an "additional insured"under paragraphs b.through g. ends at the earlier of: (1)the end of the minimum period of time required by the contract or permit, or (2)the expiration of the policy period of this Policy. No person or organization is an "additional insured"under paragraphs b.through g.if such person or organization is an insured by virtue of an endorsement issued by us and attached to this Coverage Form. b. Vendors (1)Subject to a., above, any person or organization that distributes or sells "your product" in the regular course of that person's or organization's business (referred to below as vendor) as an "additional insured", but only with respect to "bodily injury" or "pr operty damage" arising out of "your products" which are distributed or sold in the regular course of the vendor's business, and only if this Coverage Form provides coverage for "bodily injury" or "pr operty damage" included within the "pr oducts-completed operations hazard". However: (a)the insurance afforded to such vendor only applies to the extent permitted by law; and (b)the insurance afforded to such vendor will not be broader than that which you are required by the contract or agreement to provide for such vendor. (2)No vendor is an insured with respect to any: R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 75 of 92) (a)"bodily injury" or "pr operty damage" for which the vendor is obligated to pay damages by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability for damages that the vendor would have in the absence of the contract or agreement; (b)express warranty unauthorized by you; (c)physical or chemical change in the pr oduct made intentionally by the vendor; (d)repackaging, except when "your product" is unpacked solely for the purpose of inspection, demonstration, testing or the substitution of parts under instructions from the manufacturer, and then repackaged in the original container; (e)failure to make such inspections, adjustments, tests or servicing as the vendor has agreed to make or normally undertakes to make in the usual course of business, in connection with the distribution or sale of the product; (f)demonstration, installation, servicing or repair of "your product", except such operations performed at the vendor's premises in connection with the sale of the product; (g)product which, after distribution or sale by you, has been labeled or relabeled or used as a container, part or ingredient of any other thing or substance by or for the vendor; or (h)"bodily injury" or "pr operty damage" arising out of the sole negligence of: (i)the vendor for its own acts or omissions; or (ii)the vendor's "employees" or anyone else acting on its behalf. However, paragraph (h)does not apply to: (i)the exceptions contained in subparagraphs (d)or (f);or (ii)such inspections, adjustments, tests or servicing as the vendor has agreed to make or normally undertakes to make in the usual course of business, in connection with the distribution or sale of the products. (3)The coverage afforded for vendors under paragraph b.does not apply to any person or organization from whom you have acquired either such products, or any ingredient, part or container, entering into, accompanying or containing such products. c. Lessors of Equipment (1)Subject to a., above, any person or organization from whom you lease equipment is an "additional insured", but only with respect to liability arising out of your maintenance, operation or use of equipment you lease from that person or organization. However: (a)the insurance afforded to such "additional insured" only applies to the extent permitted by law; and R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 76 of 92) (b)the insurance afforded to such "additional insured"will not be broader than that which you are required by the contract or agreement to provide for such "additional insured". (2)No such person or organization is an "additional insured" as respects any: (a)"occurrence" which takes place before the equipment lease begins or after the equipment lease expires, or (b)"bodily injury", "pr operty damage", or "personal and advertising injury" arising out of the sole negligence of such person(s) or organization(s). d. Lessors of Land or Premises (1)Subject to a., above, any person or organization from whom you lease land or premises is an "additional insured", but only with respect to liability arising out of the ownership, maintenance or use of that part of the land or premises leased to you. However: (a)the insurance afforded to such "additional insured" only applies to the extent permitted by law; and (b)the insurance afforded to such "additional insured"will not be broader than that which you are required by the contract or agreement to provide for such "additional insured". (2)No such person or organization is an "additional insured" as respects any: (a)"occurrence" that takes place before you lease that land or premises; or (b)"occurrence" that takes place after your lease ends; or (c)structural alteration, new construction or demolition operation performed by or on behalf of such person(s) or organization(s). e. Architects, Engineers or Surveyors (1)Subject to a., above, any person or organization you engage as an architect, engineer, or surveyor is an "additional insured", but only with respect to liability for "bodily injury", "property damage" or "personal and advertising injury" caused, in whole or in party, by your acts or omissions or the acts or omissions of those acting on your behalf in connection with your premises or in the performance of your ongoing operations: However: (a)the insurance afforded to such "additional insured" only applies to the extent permitted by law; and (b)the insurance afforded to such "additional insured"will not be broader than that which you are required by the contract or agreement to provide for such "additional insured". R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 77 of 92) f. Permits Or Authorizations Relating To Premises Issued By State Or Governmental Agency Or Subdivision Or Political Subdivision (1)Subject to a., above, any federal, state, or local government or governmental agency or subdivision or political subdivision that issues you a permit or authorization with respect to the following hazards in connection with premises you own, rent, or control and to which this insurance applies, is an "additional insured" as respects such activity(ies) at the premises: (a)the existence, maintenance, repair, construction, erection, or removal of advertising signs, awnings, canopies, cellar entrances, coal holes, driveways, manholes, marquees,hoistaway openings, sidewalk vaults, street banners, decorations and similar exposures; (b)the construction, erection, or removal of elevators; or (c)the ownership, maintenance, or use of any elevators covered by this insurance. g. Any Other Party (1)Subject to a., above, any person or organization described neither: (a)as an insured in C.1.through C.5., nor (b)as an "additional insured" in b.through f.above, is an "additional insured", but only with respect to liability for "bodily injury", "pr operty damage", or "personal and advertising injury" caused, in whole or in part, by your acts or omissions or the acts or omissions of those acting on your behalf: (i)in the performance of your ongoing operations; (ii)in connection with premises owned by or rented to you; or (iii)in connection with "your work" and included within the "pr oducts-completed operations hazard", But (iii)applies only if this Coverage Form provides coverage for "bodily injury" or "property damage" within the "pr oducts-completed operations hazard". However: (a)the insurance afforded to such "additional insured" only applies to the extent permitted by law; and (b)the insurance afforded to such "additional insured"will not be broader than that which you are required by the contract or agreement to provide for such "additional insured". No person or organization is an insured with respect to the conduct of any current or past partnership, joint venture or limited liability company that is not shown as a Named Insured in the Declarations. R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 78 of 92) D. LIABILITY AND MEDICAL EXPENSES LIMITS OF INSURANCE 1.The Limits of Insurance shown in the Declarations and the rules below fix the most we will pay regardless of the number of: a.insureds; b.claims made or "suits" brought; or c.persons or organizations making claims or bringing "suits". 2.The most we will pay for the sum of all damages because of all: a."bodily injury", "pr operty damage" and medical expenses arising out of any one "occurrence"; and b."personal and advertising injury" sustained by any one person or organization; is the Liability and Medical Expenses limit s hown in the Declarations. But the most we will pay for all medical expenses because of "bodily injury" sustained by any one person is the Medical Expenses limit s hown in the Declarations. c.For all sums which the Insured becomes legally obligated to pay as damages caused by an "occurrence" under Coverage a, section 1. Business Liability, and for all medical expenses caused by accident under Coverage A, section 2. Medical Expenses, a separate Liability and Medical Expenses Limit of Insurance applies to each designated "location" owned by or rented to you. "Location" means premises involving the same or connecting lots, or premises whose connection is interrupted only by a street, roadway, waterway or right-of-way of a railroad. 3.The most we will pay under Business Liability Coverage for damages because of "pr operty damage" to any one premises while rented to you, or in the case of fire,lightning or explosion while rented to you or temporarily occupied by you with permission of the owner is the applicable Damage to Premises Rented to You limit s hown for that premises in the Declarations. For a premises temporarily occupied by you, the applicable limit will be the highest Damage To Premises Rented To You limit s hown in the Declarations. 4. Aggregate Limits The most we will pay for: a.all "bodily injury" and "pr operty damage" that is included in the "pr oducts-completed operations hazard" is twice the Liability and Medical Expenses limit. b.all: (1)"bodily injury" and "pr operty damage", except damages because of "bodily injury" and "property damage" included in the "pr oducts-completed operations hazard"; (2)plus medical expenses; R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 79 of 92) (3)plus all "personal and advertising injury" caused by offenses committed; is twice the Liability and Medical Expenses limit. Subject to paragraphs 4.a.or 4.b.above,whichever applies, the Damage To Premises Rented To You Limit is the most we will pay for damages because of "pr operty damage" to any premises, while rented to you, or in the case of fire, while rented to you or temporarily occupied by you with permission of the owner. 5. How Limits Apply to "Additional Insured's" The most we will pay on behalf of any "additional insured" described in C.6., above, is the amount of insurance: a.required by contract or agreement; or b.available under the applicable Limits of Insurance s hown in the Declarations whichever is less. Such amounts shall not increase the applicable Limits of Insurance s hown in the Declarations. The Limits of Insurance of the PART TWO - SAFEPAK LIABILITY COVERAGE FORM apply separately to each consecutive annual period and to any remaining period of less than 12 months, starting with the beginning of the policy period shown in the Declarations,unless the policy period is extended after issuance for an additional period of less than 12 months. In that case, the additional period will be deemed part of the last preceding period for purposes of determining the Limits of Insurance. E. LIABILITY AND MEDICAL EXPENSES GENERAL CONDITIONS 1. Bankruptcy Bankruptcy or insolvency of the Insured or of the Insured's estate will not relieve us of our obligations under this Coverage Part. 2. Duties in the Event of "Occurrence", Offense, Claim or "Suit" a.You and any other involved insured must see to it that we are notified as soon as practicable of any "occurrence" or an offense which may result in a claim. To the extent possible, notice should include: (1)how, when and where the "occurrence" or offense took place; (2)the names and addresses of any injured persons and witnesses; and (3)the nature and location of any injury or damage arising out of the "occurrence" or offense. Failure of the insured to give first report of a claim to us shall not invalidate coverage under this Policy if the loss was inadvertently reported to another insurer.However, you shall r eport any such "occurrence" to us as soon as practicable once you become aware of such an error. b.If a claim is made or "suit" is br ought against any insured, you must: R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 80 of 92) (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 written notice of the claim or "suit" as soon as practicable. c.You and any other involved insured must: (1)immediately send us copies of any demands, notices, summonses or legal papers received in connection with the claim or "suit"; (2)authorize us to obtain records and other information; (3)cooperate with us in the investigation, or settlement of the claim or defense against the "suit"; and (4)assist us, upon our request, in the enforcement of any right against any person or organization that may be liable to the Insured because of injury or damage to which this insurance may also apply. d.No insured will, except at that Insured's own cost, voluntarily make a payment, assume any obligation, or incur any expense, other than for first aid, wit hout our consent. e. Knowledge of an "Occurrence", Offense, Claim or "Suit" Paragraphs a.and b.apply to any involved insured when the "occurrence", offense, claim or "suit"isknownto: (1)that Insured, if the involved Insured is an individual; (2)any partner, if the involved Insured is a partnership; (3)any manager, if the involved Insured is a limited liability company; (4)any "executive officer", risk manager, or insurance manager, if the involved Insured is a corporation; (5)any trustee, if the involved Insured is a trust; or (6)any elected or appointed official, if the involved Insured is a governmental entity, or a subdivision or agency of a governmental entity. This paragraph e.applies separately to each involved insured. 3. Financial Responsibility Laws a.When this Policy is certified as proof of financial responsibility for the future under the provisions of any motor vehicle financial responsibility law, the insurance provided by the Policy for "bodily injury"liability and "pr operty damage"liability will comply with the provisions of the law to the extent of the coverage and Limits of Insurance required by that law. b.With respect to "mobile equipment" to which this insurance applies, we will provide any liability uninsured motorists,underinsured motorists, nofault or other coverage required by any motor vehicle law. We will provide the required limits for those coverages. R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 81 of 92) 4. Legal Action Against Us No person or organization has a right under this Policy: a.to join us as a party or otherwise bring us into a "suit" asking for damages from an insured; or b.to sue us on this Policy unless all of its terms have been f ully complied with. A person or organization may sue us to recover on an agreed settlement or on a final judgment against an insured; but we will not be liable for damages that are not payable under the terms of this Policy or that are in excess of the applicable Limit of Insurance. An agreed settlement means a settlement and release of liability signed by us, the Insured and the claimant or the claimant's legal representative. 5. Separation of Insureds Except with respect to the Limits of Insurance, and any rights or duties specifically assigned in this Policy to the first Named Insured, this insurance applies: a.as if each named insured were the only named insured; and b.separately to each insured against whom claim is made or "suit" is brought. 6. Representations By accepting this Policy, you agree: a.the statements in the Declarations are accurate and complete; b.those statements are based upon representations you made to us; and c.we have issued this Policy in reliance upon your representations. If you unintentionally fail to disclose all hazards relating to the conduct of your business at the inception date of this Policy, we shall not deny coverage under this Policy because of such unintentional failure, but only if you promptly make full disclosure of all such hazards upon discovery of any such unintentional failure to disclose. 7. Other Insurance If there is other insurance covering the same loss or damage, we will pay as follows: a. Primary Insurance This insurance is primary except when b.below applies. If the other insurance is also primary, we will share with all that other insurance by the method described in paragraph c. below. b. Excess Insurance (1)This insurance is excess over: (a)any of the other insurance, whether primary, excess, contributory, non-contributory, contingent, or on any other basis; R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 82 of 92) (i)that is Fire, Lightning, Extended Coverage, Builder's Risk, Installation Risk or similar coverage for "your wo rk"; (ii)that is fire, lightning or explosion insurance for premises rented to you or temporarily occupied by you with permission of the owner; (iii)that is insurance purchased by you to cover your liability as a tenant for "property damage" to premises rented to you or temporarily occupied by you with permission of the owner; or (iv)if the loss arises out of the maintenance or use of aircraft, "autos" or watercraft to the extent not subject to exclusion g.of PART TWO - SAFEPAK LIABILITY COVERAGE FORM. (v)that arises out of "property damage" to borr owed equipment or the use of an elevator, to the extent not subject to exclusion 1.k.of section B. Exclusion. (2)Any other insurance available to you covering liability for damages arising out of the premises or operations, or the products and completed operations, for which you have been added as an "additional insured"; or (3) (a)Any other insurance available to any person or organization that is an "additional insured" under this Policy. However, this insurance is primary if you have so agreed in a written contract, or if a written permit so requires. If the "additional insured's" other insurance is also primary, we will share with such other insurance by the method described in c.below; (b)If you have so agreed in a written contract, or if a written permit so requires, this insurance is primary and non-contributory with the "additional insured's" own insurance. In that case, this insurance is primary and we will not seek contribution from that other insurance; (c)If (b)does not apply, and if a claim or "suit" we cover under this insurance may also be covered by other insurance available to an "additional insured", then that "additional insured" must also submit the claim or "suit" to the other insurer for defense and indemnity. Paragraphs (a)and (b)do not apply to other insurance to which an "additional insured" under this Policy has been added as an "additional insured". (4)When this insurance is excess, we will have no duty under this Policy to defend the Insured against any "suit" if any other insurer has a duty to defend the Insured against that "suit". If no other insurer defends, we will undertake to do so, but we will be entitled to the Insured's rights against all those other insurers. (5)When this insurance is excess over other insurance, we will pay only our share of the amount of the loss, if any, that exceeds the sum of: (a)the total amount that all such other insurance would pay for the loss in the absence of this insurance; and (b)the total of all deductible and self-insured amounts under all that other insurance. (6)We will share the remaining loss, if any, with any other insurance that is not described in this Excess Insurance Provision and was not bought specifically to apply in excess of the Limits of Insurance shown in the Declarations of this Policy. R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 83 of 92) c. Method of Sharing If all of the other insurance permits contribution by equal shares, we will f ollow this method also. Under this approach each insurer contributes equal amounts until it has paid its applicable Limit of Insurance or none of the loss remains,whichever comes first. If any of the other insurance does not permit contribution by equal shares, we will contribute by limits.Under this method, each insurer's share is based on the ratio of its applicable Limit of Insurance to the total applicable Limits of Insurance of all insurers. 8. Transfer of Rights of Recovery Against Others to Us a. Transfer of Rights of Recovery If the Insured has rights to recover all or part of any payment, including supplementary payments, we have made under this Policy, those rights are transferred to us. The Insured must do nothing after loss to impair them. At our request, the Insured will bring "suit" or transfer those rights to us and help us enforce them. This condition does not apply to Medical Expense Coverage. b. Waiver of Rights of Recovery (Waiver of Subrogation) If the Insured waives any right of recovery against any person or organization for all or part of any payment, including supplementary payments, we make under this Policy, we also waive that right, provided the Insured waives such right of recovery against such person or organization in a written contract or written permit executed before the "occurrence", "bodily injury", "pr operty damage", offense, or "personal and advertising injury" that took place. F. LIABILITY AND MEDICAL EXPENSES DEFINITIONS 1. "Advertisement"means a notice that is broadcast or published to the general public or specific market segments about your goods, products or services for the purpose of attracting customers or supporters. For the purpose of this definition: a.notices that are published include material placed on the Internet or on similar electronic means of communication; and b.regarding web sites, only that part of a web site that is about your goods, products or services for the purposes of attracting customers or supporters is considered an "advertisement". 2. "Additional insured"means: a.when referring to an "additional insured"under this insurance: (1)a person or organization that is neither a named insured nor described in paragraphs 1. through 5.of Section C - WHO IS AN INSURED, but is an insured under this insurance only by virtue of: (a)paragraph 6.of Section C - WHO IS AN INSURED;or (b)an endorsement we issue. R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 84 of 92) b.when referring to an "additional insured"under any other insurance, a person or organization that is, under that other insurance, neither a Named Insured nor within that Policy's general de scription of who is an insured, but is nevertheless protected under that Policy as an insured pursuant to a policy provision or endorsement describing an "additional insured". 3. "Auto"means: a.a land motor vehicle, trailer or semitrailer designed for travel on public roads, including any attached machinery or equipment; or b.any other land vehicle that is subject to a compulsory or financial responsibility law or other motor vehicle insurance or motor vehicle registration law where it is licensed or principally garaged. However, "auto" does not include "mobile equipment". 4. "Bodily injury"means "bodily injury", sickness or disease sustained by a person, including mental anguish or death resulting from any of these at any time. 5. "Coverage territory"means: a.the United States of America (including its territories and possessions), Puerto Rico and Canada; b.international waters or airspace, but only if the injury or damage occurs in the course of travel or transportation between any places included in paragraph a.above; c.all other parts of the world if the injury or damage arises out of: (1)goods or products made or sold by you in the territory described in paragraph a. above; or (2)the activities of a person whose home is in the territory described in paragraph a. above, but is away for a short time on your business; or (3)"personal and advertising injury" offenses that take place through the Internet or similar electronic means of communication. provided the Insured's responsibility to pay damages is determined in a "suit" on the merits, in the territory described in a.above or in a settlement we agree to. 6. "Employee"includes a "leased worker"."Employee"does not include a "temporary worker". 7. "Executive officer"means a person holding any of the officer positions created by your charter, constitution, by laws or any other similar governing document. 8. "Hostile fire"means one which becomes uncontrollable or breaks out from where it was intended to be. 9. "Impaired property"means tangible pr operty, other than "your product" or "your work", that cannot be used or is less useful because: a.it incorporates "your product" or "your work" that is known or thought to be defective, deficient,inadequate or dangerous; or R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 85 of 92) b.you have failed to fulfill the terms of a contract or agreement; if such property can be restored to use by the repair, replacement, adjustment or removal of "your product" or "your work" or your fulfilling the terms of the contract or agreement. 10. "Insured contract"means: a.a contract for a lease of premises.However, that portion of the contract for a lease of premises that indemnifies any person or organization for damage by fire to premises while rented to you or temporarily occupied by you with permission of the owner is not an "insured contract"; b.a sidetrack agreement; c.any easement or license agreement, except in connection with construction or demolition operations or within 50 feet of a railroad; d.an obligation, as required by ordinance, to indemnify a municipality, except in connection with work for a municipality; e.an elevator maintenance agreement; f.that part of any other contract or agreement pertaining to your business (including an indemnification of a municipality in connection with work performed for a municipality) under which you assume the tort liability of another party to pay for "bodily injury" or "property damage" to a third person or organization. Tort liability means a liability that w ould be imposed by law in the absence of any contract or agreement. Paragraph f.does not include that part of any contract or agreement: (1)that indemnifies a railroad for "bodily injury" or "pr operty damage" arising out of construction or demolition operations, within 50 feet of any railroad pr operty and affecting any railroad bridge or trestle, tracks, roadbeds, tunnel,underpass or crossing; (2)that indemnifies an architect, engineer or surveyor for injury or damage arising out of: (a)preparing,approving or failing to prepare or approve maps, shop drawings, opinions, reports, surveys, field orders, change orders or drawings and specifications; or (b)giving directions or instructions, or failing to give them, if that is the primary cause of the injury or damage; or (3)under which the Insured, if an architect, engineer or surveyor, assumes liability for an injury or damage arising out of the Insured's rendering or failure to render professional services, including those listed in (2)above and supervisory, inspection, or engineering activities. 11. "Leased worker"means a person leased to you by a l abor leasing firm under an agreement between you and the labor leasing firm, to perform duties related to the conduct of your business. "Leased worker"does not include a "temporary worker". 12. "Loading or unloading"means the handling of pr operty: a.after it is moved from the place where it is accepted for movement into or onto an aircraft, watercraft or "auto"; R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 86 of 92) b.while it is in or on an aircraft, watercraft or "auto"; or c.while it is being moved from an aircraft, watercraft or "auto" to the place where it is finally delivered; but "loading or unloading"does not include the movement of pr operty by means of a mechanical device, other than a hand truck, that is not attached to the ai rcraft, watercraft or "auto". 13. "Mobile equipment"means any of the following types of land vehicles, including any attached machinery or equipment: a.bulldozers, farm machinery, forklifts and other vehicles designed for use principally off public roads; b.vehicles maintained for use solely on or next to premises you own or rent; c.vehicles that travel on crawler treads; d.vehicles, whether self-pr opelled or not, maintained primarily to provide mobility to permanently mounted: (1)power cranes, shovels, loaders, diggers or drills; or (2)road construction or resurfacing equipment such as graders,scrapers or rollers; e.vehicles not described in a.,b.,c.or d.above that are not self-propelled and are maintained primarily to provide mobility to permanently attached equipment of the following types: (1)air compressors, pumps and generators, including spraying, welding, building cleaning, geophysical exploration, lighting and well servicing equipment; or (2)cherry pickers and similar devices used to raise or lower workers; f.vehicles not described in a.,b.,c.or d.above maintained primarily for purposes other than the transportation of persons or cargo. However, self-propelled vehicles with the following types of permanently attached equipment are not "mobile equipment" but will be considered "autos": (1)equipment designed primarily for: (a)snow removal; (b)road maintenance, but not construction or resurfacing; or (c)street cleaning; (2)cherry pickers and similar devices mounted on automobile or truck chassis and used to raise or lower workers; and (3)air compressors, pumps and generators, including spraying, welding, building cleaning, geophysical exploration,lighting and well servicing equipment. However, "mobile equipment"does not include any land vehicles that are subject to a R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 87 of 92) compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged.Land vehicles subject to a compulsory or financial responsibility law or other motor vehicle insurance law are considered "autos". 14. "Occurrence"means an accident, including continuous or repeated exposure to substantially the same general harmful conditions. 15. "Personal and advertising injury"means injury, including consequential "bodily injury", arising out of one or more of the following offenses: a.false arrest, detention or imprisonment; b.malicious prosecution; c.the wrongful eviction from, wrongful entry into, or invasion of the right of private occupancy of a room, dwelling or premises that a person occupies, committed by or on behalf of its owner,landlord or lessor; d.oral or written publication, in any manner, of material that slanders or libels a person or organization or disparages a person's or organization's goods, products or services; e.oral or written publication, in any manner, of material that violates a person's right of privacy. f.the use of another's advertising idea in your "advertisement"; or g.infringing upon another's copyright, trade dress or slogan in your "advertisement". 16. "Pollutants"means any solid,liquid, gaseous or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste. Waste includes materials to be recycled, reconditioned or reclaimed. 17. "Products-completed operations hazard": a.includes all "bodily injury" and "pr operty damage" occurring away from premises you own or rent and arising out of "your product" or "your work" except: (1)products that are still in your physical possession; or (2)work that has not yet been completed or abandoned.However, "your work" will be deemed completed at the earliest of the following times: (a)when all of the work called for in your contract has been completed. (b)when all of the work to be done at the job site has been completed if your contract calls for work at more than one job site. (c)when that part of the work done at a job site has been put to its intended use by any person or organization other than another contractor or subcontractor working on the same project. R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 88 of 92) Work that may need service, maintenance, correct ion, repair or replacement, but which is otherwise complete, will be treated as completed. The "bodily injury" or "pr operty damage" must occur away from premises you own or rent, unless your business includes the selling, handling or distribution of "your product" for consumption on premises you own or rent. b.Does not include "bodily injury" or "pr operty damage" arising out of: (1)the transportation of property,unless the injury or damage arises out of a condition in or on a vehicle not owned or operated by you, and that condition was created by the "loading or unloading" of that vehicle by any insured; (2)the existence of tools, uninstalled equipment or abandoned or unused materials; or 18. "Property damage"means: a.physical injury to tangible pr operty, including all resulting loss of use of that property. All such loss of use shall be deemed to occur at the time of the physical injury that caused it; or b.loss of use of tangible pr operty that is not physically injured. All such loss of use shall be deemed to occur at the time of the "occurrence" that caused it. For purposes of this insurance, electronic data is not tangible pr operty. As used in this definition, electronic data means information, facts or programs stored as or on, created or used on, or transmitted to or from computer software, including systems and applications software, hard or floppy disks, CD-ROMs, tapes, drives, cells, data processing devices or any other media which are used with electronically controlled equipment. 19. "Suit"means a civil proc eeding in which damages because of "bodily injury", "pr operty damage", or "personal and advertising injury" to which this insurance applies are alleged. "Suit" includes: a.an arbitration proceeding in which such damages are claimed and to which the Insured must submit or does submit with our consent; or b.any other alternative dispute resolution proceeding in which such damages are claimed and to which the Insured submits with our consent. 20. "Temporary worker"means a person who is furnished to you to substitute for a permanent "employee" on leave or to meet seasonal or short-term work load conditions. 21. "Volunteer worker"means a person who is not your "employee", and who donates his or her work, acts at the direction of and within the scope of duties determined by you, and is not paid a fee, salary or other compensation by you or anyone else for their work performed for you. 22. "Your product"means: a.means: (1)any goods or products, other than real property, manufactured, sold handled, distributed or disposed of by: (a)you; R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 89 of 92) (b)others trading under your name; or (c)a person or organization whose business or assets you have acquired; and (2)containers (other than vehicles), materials, parts or furnished in connection with such goods or products. b.includes: (1)warranties or representations made at any time with respect to the fitness, quality, durability, performance or use of "your product"; and (2)the providing of or failure to provide warnings or instructions. c.does not include vending machines or other pr operty rented to or located for the use of others but not sold. 23. "Your work"means: a.means: (1)work or operations performed by you or on your behalf; and (2)materials, parts or equipment furnished in connection with such work or operations. b.includes: (1)warranties or representations made at any time with respect to the fitness, quality, durability, performance or use of "your wo rk"; and (2)the providing of or failure to provide warnings or instructions. SAFEPAK COMMON POLICY CONDITIONS All coverages of 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.5 days before the effective date of cancellation if any one of the following conditions exists at any building that is Covered Pr operty in this Policy. (1)The building has been vacant or unoccupied 60 or more consecutive days. This does not apply to: (a)seasonal unoccupancy; or R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 90 of 92) (b)buildings in the course of construction, renovation or addition. Buildings with 65% or more of the rental units or floor area vacant or unoccupied are considered unoccupied under this provision. (2)After damage by a covered cause of loss, permanent repairs to the building: (a)have not started, and (b)have not been contracted for within 30 days of initial payment of loss. (3)The building has: (a)an outstanding order to vacate; (b)an outstanding demolition order; or (c)been declared unsafe by governmental authority. (4)Fixed and salvageable items have been or are being removed from the building and are not being replaced. This does not apply to such removal that is necessary or incidental to any renovation or remodeling. (5)Failure to: (a)furnish necessary heat, water, s ewer service or electricity for 30 consecutive days or more, except during a period of seasonal unoccupancy; or (b)pay property taxes that are owing and have been outstanding for more than one year following the date due, except that this provision will not apply where you are in a bona fide dispute with the taxing authority regarding payment of such taxes. b.10 days before the effective date of cancellation if we cancel for nonpayment of premium. c.30 days before the effective date of cancellation if we cancel for any other reason. 3.We will mail or deliver our notice to the first Named Insured's last mailing address known to us. 4.Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. 5.If this Policy is cancelled, we will send the first Named Insured any premium refund due. If we cancel, the refund will be pro rata. If the first Named Insured cancels, the refund may be less than pro rata. The cancellation will be effective even if we have not made or offered a refund. 6.If notice is mailed, proof of mailing will be sufficient proof of notice. B. CHANGES This Policy contains all the agreements between you and us concerning the insurance afforded. The first Named Insured shown in the Declarations is authorized to make changes in the terms of this Policy with our consent. This policy's terms can be amended or waived only by endorsement issued by us and made a part of this Policy. R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 91 of 92) C. CONCEALMENT, MISREPRESENTATION OR FRAUD This Policy is void in any case of fraud by you at any time as it relates to this Policy. It is also void if you or any other insured, at any time, intentionally conceal or misrepresent a material fact concerning: 1.this Policy; 2.the Covered Property; 3.your interest in the Covered Property; or 4.a claim under this Policy. D. EXAMINATION OF YOUR BOOKS AND RECORDS We may examine and audit your books and records as they relate to this Policy at any time during the policy period and up to three years afterward. E. INSPECTIONS AND SURVEYS We have the right but are not obligated to: 1.make inspections and surveys at any time; 2.give you reports on the conditions we find; and 3.recommend changes. Any inspections, surveys, reports or recommendations relate only to insurability and the premiums to be charged. We do not make safety inspections. We do not undertake to perform the duty of any person or organization to provide for the health or safety of workers or the public. And we do not warrant that conditions: 1.are safe or healthful; or 2.comply with laws, regulations, c odes or standards. This condition applies not only to us, but also to any rating, advisory, rate service or similar organization which makes insurance inspections, surveys, reports or recommendations. F. INSURANCE UNDER TWO OR MORE COVERAGES If two or more of this Policy's coverages apply to the same loss or damage, we will not pay more than the actual amount of the loss or damage. G. LIBERALIZATION If we adopt any revision that would broaden the coverage under this Policy without additional premium within 45 days prior to or during the policy period, the broadened coverage will immediately apply to this Policy. H. PREMIUMS 1.The first Named Insured shown in the Declarations: R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930 Includes copyrighted material of Insurance Services Office, Inc., with its permission BP 86 68 (Ed. 06/18)(Page 92 of 92) a.is responsible for the payment of all premiums; and b.will be the payee for any return premiums we pay. 2.The premium shown in the Declarations was computed based on rates in effect at the time the Policy was issued. On each renewal, continuation or anniversary of the effective date of this Policy, we will compute the premium in accordance with our rates and rules then in effect. 3.With our consent, you may continue this Policy in force by paying a continuation premium for each successive one-year period. The premium must be: a.paid to us prior to the anniversary date; and b.determined in accordance with paragraph 2.above. Our forms then in effect will apply. If you do not pay the continuation premium, this Policy will expire on the first anniversary date that we have not received the premium. 4.Undeclared exposures or change in your business operation, acquisition or use of locations may occur during the policy period that are not shown in the Declarations. If so, we may require an additional premium. That premium will be determined in accordance with our rates and rules then in effect. I. PREMIUM AUDIT 1.This Policy is subject to audit if a premium designated as an advance premium is s hown in the Declarations. We will compute the final premium due when we determine your actual exposures. 2.Premium shown in this Policy as advance premium is a deposit premium only. At the close of each audit period we will compute the earned premium for that period. Audit premiums are due and payable on notice to the first Named Insured. If the sum of the advance and audit premiums paid for the policy period is greater than the earned premium, we will return the excess to the first Named Insured. 3.The first Named Insured must keep records of the information we need for premium computation, and send us copies at such times as we may request. J. 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 pr oper temporary custody of your property will have your rights and duties but only with respect to that property. R * AO * 06/09/2021 * SPP 1302733 05 00 Great American Insurance Company of New York *D/B* 459318417 488930