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Home My WebLink About000343.tiff CTSI Colorado Counties Casualty and Property Pool 2021 Excess Property Policy Layered Policy-Various Carriers Underwriters at Lloyds (Lead Carrier) Policy No. D38095432003 Summaries are brief outlines of the coverages afforded under the insurance policies. Since summaries are for informational purposes only, they should not be construed to constitute the entire insurance contracts. As the policies may contain additional coverages and restrictions, the exact wording should be consulted. Brief Summary of Property Deductibles This information is provided to present counties with a simple overview of county deductibles in the pool. It does not provide information on limits. The pool insuring agreements contain actual coverages and limits. The county has a $500 deductible for property claims. The pool pays up to $150,000 of each claim The pool pays up to $1M plus 2% building value of each wind/hail property claim CAPP's excess insurance carriers pay up to $100 million per property claim unless otherwise stated in the CAPP Insuring Agreements. Colorado Counties Casualty and Property Pool Gallagher •CORE 360' Colorado Counties Casualty and Property Pool including the following members: • Alamosa • Grand • Ouray • Archuleta • Gunnison • Park • Baca • Hinsdale • Phillips • Bent • Huerfano • Prowers • Chaffee • Jackson • Pueblo • Cheyenne • Kiowa • Rio Blanco • Clear Creek • Kit Carson • Rio Grande • Conejos • Lake • Routt • Costilla • La Plata • Saguache • Crowley • Las Animas • San Juan • Custer • Lincoln • San Miguel • Delta • Logan • Sedgwick • Dolores • Mineral • Summit • Elbert • Moffat • Teller • Fremont • Montrose • Washington • Garfield • Morgan • Weld • Gilpin • Otero • Yuma 2 G—) Gallagher Colorado Counties Casualty and Property Pool ,•CORE 360 Policy Period: January 1, 2021 to January 1, 2022 Attachment Clause: Following is the Participation Clause for the Primary$10,000,000 Limit Layer:The collective Liability of each Carrier shall not exceed the Limit of Liability or any appropriate Sublimit of Liability or any Annual Aggregate limit. The limit of liability or amount of insurance shown on the face of the policy or endorsed onto the policy, is the total limit of the Carrier's liability applicable to each occurrence, as defined in the policy. Notwithstanding any other terms and conditions of the policy to the contrary, in not event shall the liability of the Company exceed this limit or any amount irrespective of the number of locations involved. UWs at Lloyds—Various Syndicates(Lead $3,000,000-Primary 30% Primary Carrier) Westchester Surplus Lines Ins. Co. $2,000,000—Primary 20% Primary Starr Surplus Lines Ins. Co. $2,000,000-Primary 20% Primary UWs at Lloyds—Various Syndicates $1,500,000-Primary 15% Primary Allied World Assurance Co. $1,500,000-Primary 15% Primary Named Insured: Colorado Counties Casualty and Property Pool, any official,trustee or employee of the Named Insured while acting within the scope of his duties as such, and any person, organization, trustee or estate to whom the Named Insured is obligated by virtue of written contract or agreement to provide insurance such as is offered by this Insurance, but only in respect to operations by or on behalf of the Named Insured Covered Property: Real Property, Personal Property,Vehicles and Mobile Equipment Covered Locations: Refer to Statement of Values on File with Company Limits shown below are within the Primary$10,000,000 Layer Total Primary$10M $ 10,000,000 Per occurrence subject to following sub-limits Policy Limit: Sublimits 1 $ 10,000,000 In the Aggregate for any one policy year of Earthquake $ 5,000,000 In the Aggregate for any one policy year for Flood loss in Zones A,AO,AE,AH,A1-30,A99,AR $ 10,000,000 In the Aggregate for any one policy year for all Other Flood Combined $ 10,000,000 Newly Acquired Property any one Occurrence-90 days; coverage cases if the Newly Acquired Property is not reported within 90 days for the date of acquisition Carrier(s)have agreed with locations with values over $5,000,000 the carrier(s)may charge an additional premium. Any locations with value under$5,000,000 still need to be reported to the carrier; however, an additional premium will not be charged. CAPP is to include these locations in the Statement of Values (SOV) $ 5,000,000 Builders' Risk, renovations, repairs made by the Insured at any location (including new locations with total contract cost under $5,000,000)within the territorial limits of the policy, any one occurrence I Sublimits are part of and not in addition to the Policy Limit of Liability. These Sublimits do not increase the Policy Limit of Liability or any other Sublimit. All Sublimits are Per Occurrence unless otherwise indicated. 4 ©2021 Arthur J.Gallagher&Co.All rights reserved. CZ) Gallagher Colorado Counties Casualty and Property Pool ,•CORE 360 Sublimits $ 1,000,000 Builder's Risk Soft Costs/Additional Expenses except$50,000 (Continued): Unscheduled Location $ 500,000 Business Income (applies to all members)with 90 Day Ordinary Payroll Limitation;180 Days Extended Period of Indemnity $ 50,000 Personal Property of Others while on the Insured's property $ 2,500,000 Unnamed Location,Any One Occurrence $ 1,000,000 Errors and Omissions(as defined in the Policy) $ 10,000,000 Mobile/Contractors Equipment subject to maximum of$1,500,000 Per Item $ 5,000,000 Fine Arts subject to a maximum$500,000 per item $ 250,000 Furs, Jewelry, Precious Stones and Metals $ 10,000,000 Service Interruption (5-mile Limitation) $ 1,000,000 Fire Fighting Materials(Fire Brigade and Extinguishing Expenses) $ 10,000,000 Ordinance or Law $ 10,000,000 Extra Expense—No monthly limitation based on period of restoration as defined in the policy $ 1,000,000 Property In Transit $ 1,000,000 Vehicle Physical Damage—Over the Road $ 250,000 Civil Authority—4 weeks maximum $ 250,000 Ingress/Egress—4 weeks maximum $ 100,000 Loss Adjustment Expense $ 250,000 Accounts Receivable $ 1,000,000 Expediting Expense $ 25,000 In the Aggregate Pollution Clean Up and Removal, each County listed as a Named Insured, subject to$1,500,000 Annual Aggregate $ 25,000 Limited Mold/Fungi/Wet&Dry Rot—terms per Carrier Endorsement $ 100,000 Loss Adjustment Expenses/Professional Services $ 100,000 Personal Property of Employees $ 100,000 Trees and Shrubs Deductibles & Waiting Periods: Each claim for loss or damage separately occurring shall be adjusted separately and from each adjusted claim,the amounts noted below shall be deductibles as noted below If two or more deductible amounts provided in this policy apply to a single Occurrence,the total to be deducted shall not exceed the largest deductible applicable unless otherwise stated in the Policy $ 150,000 Per Occurrence except $ 150,000 Per Occurrence-Earthquake 2%Per Buildings/Structure As respects locations wholly or partially within a Flood Zone A area of the sum of all values (as defined by FEMA) listed in the SOV SOV on file with the Company for each separately identifiable building or structure that has sustained a loss or damage; subject to minimum deductible of$1,000,000 Per Occurrence 2% Per Building/Structure Wind/Hail: SOV on file with the Company for each separately of the sum of all values identifiable building or structure that has sustained a loss or damage; listed in the SOV subject to a minimum deductible of$1,000,000 Per Occurrence 24 hour Service Interruption &5 mile distance limitation 180 Days Expended Period of Indemnity(Business Interruption) 5 ©2021 Arthur J.Gallagher&Co.All rights reserved. CZ) Gallagher Colorado Counties Casualty and Property Pool ,•CORE 360 Coinsurance: • None Valuations: • Real & Personal Property at Replacement Cost and/or Per Policy Form • Vehicle Damage and Mobile Equipment Damage- Actual Cash Value • Time Element at Actual Loss Sustained Terms/Conditions: • Attachment Clause • Definition of Loss Occurrence Endorsement • Definition of Occurrence for Flood and Earthquake amended to 168 hours • Pollution, Contamination and Debris Removal Exclusion Endorsement • The War Risk and Terrorist Exclusion (if coverage is rejected) • General Amendatory Endorsement-Westchester Form MS211964(1/18) • Notice of Cancellation is 90 days except 10 days for non-payment of premium • Permission for Excess • Joint Loss Agreement • Electronic Data Amendment Endorsement—Named Peril Exception • OFAC Endorsement • Service of Suit Endorsement • Trade or Economic Sanctions Endorsement • Signature Endorsement • Policyholder Notification-Newly Acquired or Constructed Property—new location(s)added to the policy may be subjected to separate rating and/or premium charge and/or may require a higher deductible Policy Territory: • Property located within the 50 United States and the District of Columbia Exclusions Include but are • Crime, Employee Dishonesty not Limited to: • Pollution, Mold or Fungus(except where specifically provided in the policy or by specific endorsement) • Nuclear • Inventory shortage, mysterious disappearances • Service Interruption excludes Transmission/Distribution Lines • Fungus,Wet Rot, Dry Rote and Bacteria Exclusion • Nuclear, Biological, Chemical, Radiological (NCBR) • Asbestos Material Exclusion (Named Period Exception) Minimum Earned Premium: • 35% Membership Reconciliation CAPP shall provide a Membership Reconciliation Report(schedule of locations and values)by 3/1. Requirement This is to incorporate any changes from the SOV provided during submission to 3/1 including new buildings, new locations and/or deletion of buildings and/or locations. The carriers will reconcile the premium based on the revised SOV times the property rate/$100 of TIV and an additional premium or return premium will apply. Claims Reporting PROPERTY Instructions: CTSI as Claims Administrator for CAPP is to report claims when claim reaches 50%of the Deductible or if a serious catastrophic claim such as fire,wind/hail flood, earthquake, etc. Note, CTSI is not to settle any loss without obtaining approval from the Carriers within this layer Claims are to be reported to: Copies of any claims are also to be sent to: RPS CLAIMS REPORTING Arthur J. Gallagher Risk Management Services, Inc. Website: https://my.rpsins.com/claimsfnol Att: Kendall Trump,Vice President Claims Toll Free: 844-777-8323 6300 S. Syracuse Way, Ste 700 Centennial,CO 80111 Claims e-mail: GGB.NRCCIaimsCenter@ajq.com Voice Mail: 303-889-2570 Claims Fax Number: 303-773-9776 6 ©2021 Arthur J.Gallagher&Co.All rights reserved. CZ) Gallagher Colorado Counties Casualty and Property Pool ,•CORE 360 Coverage: 15t Excess Property$15M xs 10M Quota Share Policy Period: January 1, 2021 to January 1, 2022 Policy Form: Excess Physical Damage Form Carrier Limit 1)/0 Participation UWs at Lloyds(Various Syndicates) $4,500,000 part of$15,000,000 Excess of$10,000,000 30% Westchester Surplus Lines Insurance Co. $3,00,000 part of$15,000,000 Excess of$10,000,000 20% Starr Surplus Lines Ins. Co. $3,000,000 part of$15,000,000 Excess of$10,000,000 20% Evanston Insurance Company(Markel) $4,500,000 part of$15,000,000 Excess of$10,000,000 30% Insuring Clause Subject to the limitations,terms and conditions contained in this Policy or added hereto,the Insurer(s) agree to indemnify the Insured Named in the Policy in respect of Direct Physical loss or damage to the property described below while located or contained as described in the Schedule, occurring during the period stated in the Schedule and caused by any such perils as are set forth below and which are also covered by and defined in the Policy/ies specified in the Schedule and issued by the"Primary Insurer(s)"stated therein. Perils/Property Policy will follow form the Colorado Counties Casualty and Property Pool Policy issued by the Primary Covered Carriers for the$10,000,000 Primary limit. Coverage will not exceed specific sublimits outlined in the Primary Policy Form Perils Risks of Direct Physical Loss or Damage Including Flood and Earthquake Property Covered Real Property, Personal Property,Vehicle Physical Damage, and Mobile Equipment Limits $ 15,000,000 Policy Loss Limit: Per Occurrence Excess of Primary$10,000,000 Per Occurrence Limit $ 15,000,000 Newly Acquired Locations/90 days; coverage cases if the Newly Acquired Property is not reported within 90 days for the date of acquisition: Per Occurrence Excess of Primary$10,000,000 Per Occurrence Limit $ 15,000,000 Flood (excluding Flood Zone A): Per Occurrence and Annual Aggregate Excess of Primary$10,000,000 Per Occurrence Limit and Annual Aggregate $ 15,000,000 Earthquake: Per Occurrence Excess and Annual Aggregate Excess of Primary$10,000,000 Per Occurrence Limit and Annual Aggregate Deductibles: $ 150,000 Per Occurrence except as follows: Wind/Hail: 2% Per Building/Structure of the sum of all values listed in the SOV on file with the Company for each separately identifiable building or structure that has sustained a loss or damage; subject to a minimum deductible of$250,000 Per Occurrence Same as above(as Newly Acquired Locations/90 days noted) $ 150,000 Flood (excluding Flood Zone A): Per Occurrence $ 150,000 Earthquake: Per Occurrence Terms/Conditions: . Application of Underlying Provision Clause:Applies • Maintenance of Primary and Underlying Excess Policy(ies)and Limits:Applies • Coinsurance: NIL • Minimum Earned Premium: 35% • Cancellation: 90 Days except 10 Days for Non-Payment of Premium • Notice of Loss:The Insured upon knowledge of any occurrence likely to give rise to a Claim hereunder shall give immediate written advise thereof to the Company(ies)noted in the Claim Reporting Section. 7 ©2021 Arthur J.Gallagher&Co.All rights reserved. CZ) Gallagher Colorado Counties Casualty and Property Pool ,•CORE 360 Terms/Conditions • Priority of Payment Clause: Notwithstanding anything contained herein to the contrary it is (Continued): hereby agreed that in the event of a claim hereunder which involves more than one interest and/or coverage and/or peril, it shall be at the sole option of the Assured to apportion recovery under this policy when submitting final proof of loss, subject to the overall amount of claim not exceeding the overall limit of liability contained herein for any one loss. For the purpose of attachment of coverage for excess layers, it is further agreed that loss involving any interest and/or peril covered in primary or underlying excess layers, but excluded in higher excess layers, shall be recognized by such excess layers as eroding or exhausting the occurrence limits of the primary and/or underlying excess layer(s). Nothing herein, however, shall be deemed to extend coverage in such layers(s)to include loss from the specifically excluded peril in the excess layer(s)itself. • Permission for Excess Insurance Clause: Permission is granted to purchase insurance in excess of the amount Limit of Liability stated in this policy. Such excess insurance shall not be considered other insurance for the purposes of the"Other Insurance"clause. • Uncollectibility of Other Insurance Clause: Notwithstanding any of the terms of the Policy that might be construed otherwise,the insurance provided by the Policy shall always be excess over the maximum monetary limits set forth in Declaration and/or Schedules (reduced only by reduction of any underlying aggregate limits as provided in the policy regardless of the uncollectibility(in whole or in part)of any underlying insured amounts for any reason, including, but no limited to, the financial impairment or insolvency of an underlying Insurer(s). The risk of uncollectibility(in whole or in part)of other insurance, whether because of financial impairment or insolvency of an underlying or other insurer(s)or for any other reason, is expressly retained by the Insured and is not in any way or under any circumstances insured or assumed by Company(ies). • Occurrence Limit of Liability Clause: The Limit of Liability or Amount of Insurance shown on the face of the policy,or endorsed onto this policy, is the total of the Insurer(s)liability applicable to each occurrence, as defined. Notwithstanding any other terms and conditions of the policy to the contrary, in no event shall the liability of the Insurer(s)exceed this limit or amount irrespective of the number of locations involved. The term"Occurrence"shall mean any one loss, disaster, casualty or series of losses, disasters, or casualties, arising out of one event. When the term applies to loss or series of losses from the perils of tornado, cyclone, hurricane,windstorm, hail,volcanic eruption, riot, riot attending a strike, civil commotion, and vandalism and malicious mischief, one event shall be considered to be all losses arising during a continuous period of 72 hours. When filing proof of loss,the Insured may elect the moment at which the 72 hour period shall be deemed to have commenced, which shall not be earlier than the first loss to any covered property occurs. For Flood and Earthquake,the term"Occurrence"shall mean any one loss, disaster, arising out of one event arising during a continuous period of 168 hours. When filing proof of loss,the Insured may elect the moment at which the 168 hour period shall be deemed to have commenced,which shall not be earlier than the first loss to any covered property occurs. The premium for the policy is based upon the Statement of Values on file with the Insurer(s). In the event of loss, liability of the Insurer(s), subject to terms of paragraph one(1)above, shall be limited to the least of the following: a. The actual adjusted amount of loss, less applicable deductible(s). b. The Limit of Liability or Amount of Insurance shown on the face of this policy or endorsed onto this policy. • Other Provisions: Service of Suit Clause Valuation Clause: • Real and Personal Property: Replacement Cost • Vehicle Physical Damage: Actual Cash Value • Mobile (Contractors Equipment): Actual Cash Value Exclusions including • Follow form the Primary Policy Exclusions but not limit to: • War 8 ©2021 Arthur J.Gallagher&Co.All rights reserved. CZ) Gallagher Colorado Counties Casualty and Property Pool ,•CORE 360 Claims Reporting PROPERTY Instructions: CTSI as Claims Administrator for CAPP is to report claims when claim reaches 50%of the Deductible or if a serious catastrophic claim such as fire,wind/hail flood, earthquake, etc. Note, CTSI is not to settle any loss without obtaining approval from the Carriers within this layer Claims are to be reported to: RPS CLAIMS REPORTING Website: https://my.rpsins.com/claimsfnol Toll Free: 844-777-8323 Copies of any claims are also to be sent to: Arthur J. Gallagher Risk Management Services, Inc. Att: Kendall Trump,Vice President Claims 6300 S. Syracuse Way, Ste 700 Centennial, CO 80111 Claims e-mail: GGB.NRCCIaimsCenter@ajg.com Voice Mail: 303-889-2570 Claims Fax Number: 303-773-9776 9 ©2021 Arthur J.Gallagher&Co.All rights reserved. 46-) Gallagher Colorado Counties Casualty and Property Pool ,•CORE 360 Policy Period: January 1, 2021 to January 1, 2022 Policy Form: Excess Physical Damage Form Fidelis $12,500,000 part of$25,000,000 Excess of$25,000,000 50% Aspen Specialty Ins. Co. $3,750,000 part of$25,000,000 Excess of$25,000,000 15% RSUI Indemnity Co. $2,500,000 part of$25,000,000 Excess of$25,000,000 10% Lexington Ins. Co. $5,000,000 part of$25,000,000 Excess of$25,000,000 20% Rockstone/Mitsui $1,250,000 part of$25,000,000 Excess of$25,000,000 5% Insuring Clause Subject to the limitations,terms and conditions contained in this Policy or added hereto,the Insurer(s)agree to indemnify the Insured Named in the Policy in respect of Direct Physical loss or damage to the property described below while located or contained as described in the Schedule, occurring during the period stated in the Schedule and caused by any such perils as are set forth below and which are also covered by and defined in the Policy/ies specified in the Schedule and issued by the"Primary Insurer(s)"stated therein. Perils/Property Covered • Policy will follow form the Colorado Counties Casualty and Property Pool Policy issued by the Primary Carriers for the$10,000,000 Primary limit. Coverage will not exceed specific sublimits outlined in the Primary Policy Form • Perils: Risks of Direct Physical Loss or Damage Including Flood and Earthquake • Property Covered: Real Property, Personal Property,Vehicle Physical Damage, and Mobile Equipment Limits: $ 25,000,000 Policy Loss Limit Per Occurrence Excess of$25,000,000 Per Occurrence $ 25,000,000 Flood (excluding Flood Zone A) $25,000,000 Per Occurrence and Annual Aggregate Excess of$25,000,000 Per Occurrence and Annual Aggregate $ 25,000,000 Earthquake Per Occurrence Excess and Annual Aggregate Excess of Primary$25,000,000 Per Occurrence Limit and Annual Aggregate Deductibles : $ 25,000,000 Excess of$25,000,000 Per Occurrence Excess of$150,000 Per Occurrence Primary $ 25,000,000 Flood (excluding Flood Zone A)Excess of$25,000,000 Per Occurrence and Annual Aggregate $ 25,000,000 Earthquake Excess of$25,000,000 Per Occurrence and Annual Aggregate Terms/Conditions: • Application of Underlying Provision Clause:Applies • Maintenance of Primary and Underlying Excess Policy(ies)and Limits:Applies • Minimum Earned Premium: 35% • Cancellation: 90 Days except 10 Days for Non-Payment of Premium Notice of Loss: • The Insured upon knowledge of any occurrence likely to give rise to a Claim hereunder shall give immediate written advise thereof to the Company(ies)noted in the Claim Reporting Section. 10 ©2021 Arthur J.Gallagher&Co.All rights reserved. CZ) Gallagher Colorado Counties Casualty and Property Pool ,•CORE 360 Priority of Payment Clause: Notwithstanding anything contained herein to the contrary it is hereby agreed that in the event of a claim hereunder which involves more than one interest and/or coverage and/or peril, it shall be at the sole option of the Assured to apportion recovery under this policy when submitting final proof of loss, subject to the overall amount of claim not exceeding the overall limit of liability contained herein for any one loss. For the purpose of attachment of coverage for excess layers, it is further agreed that loss involving any interest and/or peril covered in primary or underlying excess layers, but excluded in higher excess layers,shall be recognized by such excess layers as eroding or exhausting the occurrence limits of the primary and/or underlying excess layer(s). Nothing herein, however, shall be deemed to extend coverage in such layers(s)to include loss from the specifically excluded peril in the excess layer(s)itself. Permission for Excess Permission is granted to purchase insurance in excess of the amount Limit of Liability stated Insurance Clause: in this policy. Such excess insurance shall not be considered other insurance for the purposes of the"Other Insurance"clause. Uncollectibility of Other Notwithstanding any of the terms of the Policy that might be construed otherwise,the Insurance Clause: insurance provided by the Policy shall always be excess over the maximum monetary limits set forth in Declaration and/or Schedules(reduced only by reduction of any underlying aggregate limits as provided in the policy regardless of the uncollectibility(in whole or in part)of any underlying insured amounts for any reason, including, but no limited to,the financial impairment or insolvency of an underlying Insurer(s). The risk of uncollectibility(in whole or in part)of other insurance, whether because of financial impairment or insolvency of an underlying or other insurer(s)or for any other reason, is expressly retained by the Insured and is not in any way or under any circumstances insured or assumed by Company(ies). Occurrence Limit of The Limit of Liability or Amount of Insurance shown on the face of the policy, or endorsed Liability Clause: onto this policy, is the total of the Insurer(s)liability applicable to each occurrence,as defined. Notwithstanding any other terms and conditions of the policy to the contrary, in no event shall the liability of the Insurer(s)exceed this limit or amount irrespective of the number of locations involved. The term "Occurrence"shall mean any one loss, disaster, casualty or series of losses, disasters, or casualties, arising out of one event. When the term applies to loss or series of losses from the perils of tornado, cyclone, hurricane,windstorm, hail,volcanic eruption, riot, riot attending a strike, civil commotion, and vandalism and malicious mischief, one event shall be considered to be all losses arising during a continuous period of 72 hours. When filing proof of loss,the Insured may elect the moment at which the 72 hour period shall be deemed to have commenced,which shall not be earlier than the first loss to any covered property occurs. For Flood and Earthquake,the term "Occurrence"shall mean any one loss, disaster, arising out of one event arising during a continuous period of 168 hours. When filing proof of loss, the Insured may elect the moment at which the 168 hour period shall be deemed to have commenced, which shall not be earlier than the first loss to any covered property occurs. The premium for the policy is based upon the Statement of Values on file with the Insurer(s). In the event of loss, liability of the Insurer(s), subject to terms of paragraph one(1)above, shall be limited to the least of the following: a. The actual adjusted amount of loss, less applicable deductible(s). b. The Limit of Liability or Amount of Insurance shown on the face of this policy or endorsed onto this policy. 11 ©2021 Arthur J.Gallagher&Co.All rights reserved. CZ) Gallagher Colorado Counties Casualty and Property Pool ,•CORE 360 Other Provisions • Service of Suit Clause • Follow Form Underlying provisions with regard to Newly Acquired Property Clause • Membership Reconciliation Report due 3/1 (same provisions as noted in the Underlying Policies) Valuation Clause: • Real and Personal Property: Replacement Cost • Mobile(Contractors Equipment): Actual Cash Value Exclusions including but • Follow form the Primary Policy Exclusions not limit to: • War Claims Reporting CTSI as Claims Administrator for CAPP upon knowledge of any occurrence likely to Instructions: give rise to a claim hereunder shall give immediate written advice to the carriers as noted below: Note, CTSI is not settle any loss without obtaining approval from the Carriers within this layer Claims are to be reported to: CRC Insurance Services Att: Cammie Talley ctalley@crcins.com Copies of any claims are also to be sent to: Arthur J. Gallagher Risk Management Services, Inc. Att: Kendall Trump,Vice President-Claims 6300 S. Syracuse Way, Ste 700 Centennial, CO 80111 Claims e-mail: GGB.NRCCIaimsCenter@ajq.com Voice Mail: 303-889-2570 Claims Fax Number: 303-773-9776 12 ©2021 Arthur J.Gallagher&Co.All rights reserved. CZ) Gallagher Colorado Counties Casualty and Property Pool ,•CORE 360 Policy Period: January 1, 2021 to January 1, 2022 Policy Form: Excess Physical Damage Form Homeland Ins. Co. of NY $25,000,000 part of$50,000,000 Excess of$50,000,000 50% RSUI Indemnity Co. $25,000,000 part of$25,000,000 Excess of$50,000,000 50% Insuring Clause Subject to the limitations,terms and conditions contained in this Policy or added hereto,the Insurer(s)agree to indemnify the Insured Named in the Policy in respect of Direct Physical loss or damage to the property described below while located or contained as described in the Schedule, occurring during the period stated in the Schedule and caused by any such perils as are set forth below and which are also covered by and defined in the Policy/ies specified in the Schedule and issued by the"Primary Insurer(s)"stated therein. Perils/Property Covered • Policy will follow form the Colorado Counties Casualty and Property Pool Policy issued by the Primary Carriers for the$10,000,000 Primary limit. Coverage will not exceed specific sublimits outlined in the Primary Policy Form • Perils: Risks of Direct Physical Loss or Damage Including Flood and Earthquake • Property Covered: Real Property, Personal Property,Vehicle Physical Damage, and Mobile Equipment Limits: $ 50,000,000 Policy Loss Limit Per Occurrence Excess of$50,000,000 Per Occurrence Excluded Flood Excluded Earthquake Deductibles : $ 50,000,000 Excess of$50,000,000 Per Occurrence Excess of$150,000 Per Occurrence Primary Terms/Conditions: • Application of Underlying Provision Clause:Applies • Maintenance of Primary and Underlying Excess Policy(ies)and Limits:Applies • Minimum Earned Premium: 35% • Cancellation: 90 Days except 10 Days for Non-Payment of Premium Notice of Loss: • The Insured upon knowledge of any occurrence likely to give rise to a Claim hereunder shall give immediate written advise thereof to the Company(ies)noted in the Claim Reporting Section. 13 ©2021 Arthur J.Gallagher&Co.All rights reserved. CZ) Gallagher Colorado Counties Casualty and Property Pool ,•CORE 360 Priority of Payment Clause: Notwithstanding anything contained herein to the contrary it is hereby agreed that in the event of a claim hereunder which involves more than one interest and/or coverage and/or peril, it shall be at the sole option of the Assured to apportion recovery under this policy when submitting final proof of loss, subject to the overall amount of claim not exceeding the overall limit of liability contained herein for any one loss. For the purpose of attachment of coverage for excess layers, it is further agreed that loss involving any interest and/or peril covered in primary or underlying excess layers, but excluded in higher excess layers,shall be recognized by such excess layers as eroding or exhausting the occurrence limits of the primary and/or underlying excess layer(s). Nothing herein, however, shall be deemed to extend coverage in such layers(s)to include loss from the specifically excluded peril in the excess layer(s)itself. Permission for Excess Permission is granted to purchase insurance in excess of the amount Limit of Liability stated Insurance Clause: in this policy. Such excess insurance shall not be considered other insurance for the purposes of the"Other Insurance"clause. Uncollectibility of Other Notwithstanding any of the terms of the Policy that might be construed otherwise,the Insurance Clause: insurance provided by the Policy shall always be excess over the maximum monetary limits set forth in Declaration and/or Schedules(reduced only by reduction of any underlying aggregate limits as provided in the policy regardless of the uncollectibility(in whole or in part)of any underlying insured amounts for any reason, including, but no limited to,the financial impairment or insolvency of an underlying Insurer(s). The risk of uncollectibility(in whole or in part)of other insurance, whether because of financial impairment or insolvency of an underlying or other insurer(s)or for any other reason, is expressly retained by the Insured and is not in any way or under any circumstances insured or assumed by Company(ies). Occurrence Limit of The Limit of Liability or Amount of Insurance shown on the face of the policy, or endorsed Liability Clause: onto this policy, is the total of the Insurer(s)liability applicable to each occurrence, as defined. Notwithstanding any other terms and conditions of the policy to the contrary, in no event shall the liability of the Insurer(s)exceed this limit or amount irrespective of the number of locations involved. The term "Occurrence"shall mean any one loss, disaster, casualty or series of losses, disasters, or casualties, arising out of one event. When the term applies to loss or series of losses from the perils of tornado, cyclone, hurricane,windstorm, hail,volcanic eruption, riot, riot attending a strike, civil commotion, and vandalism and malicious mischief, one event shall be considered to be all losses arising during a continuous period of 72 hours. When filing proof of loss,the Insured may elect the moment at which the 72 hour period shall be deemed to have commenced,which shall not be earlier than the first loss to any covered property occurs. The premium for the policy is based upon the Statement of Values on file with the Insurer(s). In the event of loss, liability of the Insurer(s), subject to terms of paragraph one(1)above, shall be limited to the least of the following: a. The actual adjusted amount of loss, less applicable deductible(s). b. The Limit of Liability or Amount of Insurance shown on the face of this policy or endorsed onto this policy. 14 ©2021 Arthur J.Gallagher&Co.All rights reserved. CZ) Gallagher Colorado Counties Casualty and Property Pool ,•CORE 360 Other Provisions • Service of Suit Clause • Follow Form Underlying provisions with regard to Newly Acquired Property Clause • Membership Reconciliation Report due 3/1 (same provisions as noted in the Underlying Policies) Valuation Clause: • Real and Personal Property: Replacement Cost • Mobile(Contractors Equipment): Actual Cash Value Exclusions including but • Follow form the Primary Policy Exclusions not limit to: • War • Flood • Earthquake Claims Reporting CTSI as Claims Administrator for CAPP upon knowledge of any occurrence likely to Instructions: give rise to a claim hereunder shall give immediate written advice to the carriers as noted below: Note, CTSI is not settle any loss without obtaining approval from the Carriers within this layer Claims are to be reported to: CRC Insurance Services Att: Cammie Talley ctalley@crcins.com Copies of any claims are also to be sent to: Arthur J. Gallagher Risk Management Services, Inc. Att: Kendall Trump,Vice President-Claims 6300 S. Syracuse Way, Ste 700 Centennial, CO 80111 Claims e-mail: GGB.NRCCIaimsCenter@ajg.com Voice Mail: 303-889-2570 Claims Fax Number: 303-773-9776 15 ©2021 Arthur J.Gallagher&Co.All rights reserved. CZ) Gallagher Colorado Counties Casualty and Property Pool ,•CORE 360 Carrier: Endurance American Specialty Insurance Company Policy Period: January 1, 2021 to January 1, 2022 Policy form Follow Form Excess Policy Covered Perils Vehicle Physical Damage—Over the Road Only—same Covered Causes of Loss as the Primary Policy Limits: $ 4,000,000 Per Occurrence Excess of$1,000,000 Per Occurrence (sublimit within the Primary Policy); $ 4,000,000 Per Occurrence/Annual Aggregate Flood $ 4,000,000 Per Occurrence/Annual Aggregate Earthquake The company provides the limits show above as applying on the basis of$4,000,000 excess of$1,000,000 in turn excess of any applicable deductible(s)or self-insured retention contained in the underlying policies with respect to each and every loss or occurrence cause resulting from a covered peril. Insuring Clause—Carrier The insurance provided by this policy will follow form and be subject to same terms and Specific Form conditions as the Primary Property Policy issued by Primary Carrier(s)listed in the Schedule of Primary Policies Endorsement, except for premium,the limits of liability, and to the extent that the terms, conditions, provisions, definitions, endorsements and exclusions of this policy differ from the"primary policy". In the event of a conflict between this policy and the"primary policy",the terms, conditions, provisions, definitions, and exclusions of this policy shall control. Schedule of Primary Primary Property-$10,000,000 (Quota Share)Basis -Vehicle Physical Damage is Insurance sublimited to$1,000,000 including Flood and Earthquake Terms/Conditions: • Application of Underlying Provision Clause:Applies • Maintenance of Primary and Underlying Excess Policy(ies)and Limits Applies • Minimum Earned Premium: 25% • Cancellation: 90 Days except 10 Days for Non-Payment of Premium Other Provisions: • Uncollectible Insurance Clause • Territory Clause—U.S. and District of Columbia • Notice of Loss Provision • Protection of Property after Loss • Proof of Loss— Insured shall file with the Company within 90 days from the request of the Company • Settlement of Loss Clause • Subrogation Clause • Assistance and Cooperation Clause Exclusions Including but • Follow Form Primary Policy exclusions not limited to: • Pollution • Terrorism 16 ©2021 Arthur J.Gallagher&Co.All rights reserved. CZ) Gallagher Colorado Counties Casualty and Property Pool ,•CORE 360 Claims Reporting CTSI as Claims Administrator for CAPP upon knowledge of any occurrence likely to Instructions: give rise to a claim hereunder shall give immediate written advice to the carriers as noted below: Note, CTSI is not to settle any loss without getting approval from the Carriers within this layer. Claims are to be reported to: EXCESS VEHICLE PHYSICAL DAMAGE(EXCESS OF$1M) RPS CLAIMS REPORTING Website: https://mv.rpsins.com/claimsfnol Toll Free: 844-777-8323 Endurance US Claims E-mail: insuranceclaims@sompo-intl.com Toll Free Reporting: 877.676.7575 Endurance US Claims 750 Third Avenue, 18th Floor New York, NY 10017 Note:Failure to Promptly Report Claim to the Carrier shall invalidate any claim under the policy. Copies of any claims are also to be sent to: Arthur J. Gallagher Risk Management Services, Inc. Att: Kendall Trump,Vice President Claims 6300 S. Syracuse Way, Ste 700 Centennial, CO 80111 Claims e-mail: GGB.NRCCIaimsCenter@ajg.com Voice Mail: 303-889-2570 Claims Fax Number: 303-773-9776 17 ©2021 Arthur J.Gallagher&Co.All rights reserved. CZ) Gallagher Colorado Counties Casualty and Property Pool ,•CORE 360 Carrier: Liberty Mutual Fire Insurance Company Policy Period: January 1, 2021 to January 1, 2022 Policy form: Liberty PowerPro SelectTM Covered Locations: Per Statement of Values on file with the Company, October 3, 2018 Limits: $ 100,000,000 Total Limits Per Breakdown—Property Damage Included Expediting Expense Included Business Income with sublimits below $ 5,000,000 Extra Expense $ 5,000,000 Data or Media (Business Income) 365 Days Business Income Period of Restoration $ 5,000,000 Ordinance or Law $ 10,000,000 Spoilage Damage $ 10,000,000 Utility Interruption (the maximum limit for Utility interruption, subject to any applicable lower coverage limits, including Business Income, Extra Expense and/or Spoilage, respectively) Included Newly Acquired Premises—90 days (note, additional premium may apply upon notification of new location to the carrier) Included Errors and Omissions Included Brands and Labels $ 2,500,000 Contingent Business Income/Extra Expense Covered Premises—all direct suppliers and recipients $ 10,000,000 Ammonia Contamination Included Consequential Loss $ 5,000,000 Data and Media $ 2,500,000 Hazardous Substance Included Water Damage $ 1,000,000 Off Premises Equipment $ 2,500,000 Miscellaneous Locations $ 15,000 Limited Coverage for Fungus,Wet Rot and Dry Rot $ 100,000 Green Upgrades— Increased Cost of Loss and Related Expenses 100 Miles/4 weeks Civil Authority Extension $ 250,000 Ingress/Egress $ 250,000 Claim Preparation Fees 150% Replacement Cost for Green Upgrade/Safety Improvements Deductibles: $ 5,000 Combined for all coverages 4 Hours Utility Interruption Waiting Period Valuation: • Repair or Replacement Cost Terms/Conditions: • Business Income Coinsurance Waived • New Generation Included • 90 Days' Notice of Cancellation except 10 Days Nonpayment of Premium • No Connected Ready for Use Requirement • Arbitration Clause • Joint or Disputed Loss Agreement 18 ©2021 Arthur J.Gallagher&Co.All rights reserved. CZ) Gallagher Colorado Counties Casualty and Property Pool ,•CORE 360 Duties in the Event of • CTSI must provide prompt notice of the loss or damage including a description of the Loss: property involved. • Allow the Company a reasonable time and opportunity to examine the property and premises before repairs are undertaken or physical evidence of the"Breakdown" is removed. • Company shall be permitted to inspect the property proving the loss or damage and examine your books and records.Also,the Company shall have permission to take samples of damaged and undamaged property for inspection,testing and analysis. • CTSI must send the Company a signed, sworn proof of loss within 60 days after the Company's request. Significant Exclusions • Earth Movement, Fire Perils,Windstorm, Hail, Lightning, etc. (including but not . Water including: limited to): a. 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); b. Mudslide or mudflow; c. Water that backs up or overflows or is otherwise discharged from a sewer, drain, sump, sump pump or related equipment; d. Water damage caused by the discharge or leakage of a sprinkler system or domestic water piping; e. Water underground surface pressing on, or flowing or seeping through: (1) Foundations, walls,floors or paved surfaces; (2) Basements, whether paved or not; (3) Doors,windows or other openings; or f. Waterborne material carried or otherwise moved by any of the water referred to in Paragraph a., c.or e., or material carried or otherwise moved by mudslide or mudflow. This exclusion applies regardless of whether any of the above, in Paragraphs a.through f., is caused by an act of nature or is otherwise caused. • Terrorism • Nuclear • War or Military Action • Explosion—section of caused by an explosion of"Covered Equipment" • Business Income/Extra Expense does not include loss of capacity payments, bonus payments nor penalties resulting from the interruption of business as respects income derived from sales of electricity to the local utility Claims Reporting As soon as CTSI is aware of an equipment breakdown loss,the claim is to reported directly to Instructions: Liberty as follows: E-mail: CLCIaimReports@LibertyMutual.com Or Call 800-362-0000 Copies of any claims are also to be sent to: Arthur J. Gallagher Risk Management Services, Inc. Att: Kendall Trump,Vice President Claims 6300 S. Syracuse Way, Ste 700 Centennial, CO 80111 Claims e-mail: GGB.NRCCIaimsCenter@ajg.com Voice Mail: 303-889-2570 Claims Fax Number: 303-773-9776 19 ©2021 Arthur J.Gallagher&Co.All rights reserved. CZ) Coverage Summary 1. This policy covers Blanket Real, Personal Property, Contractors Equipment, Fine Arts, Glass,Valuable Papers, Data Processing Equipment and Media, Business Interruption (Business Income)Extra Expense, Builders Risks and Installations,Transit, and Vehicle Damage. 2. LIMIT OF LIABILITY The insurer(s)shall not be liable hereunder in any one loss, casualty or disaster for more than $100,000,000 Per Occurrence. For sublimits refer to Insuring Agreement, paragraph III. Insuring Agreement I. NAMED OF INSURED It is agreed that the unqualified word "Insured"wherever used in this insurance includes not only the Named Insured but also any official,trustee or employee of the Named Insured while acting within the scope of his duties as such, and any person, organization,trustees or estate to whom the Named Insured is obligated by virtue of written contract or agreement to provide insurance such as is offered by this Insurance, but only in respect to operations by or on behalf of the Named Insured. II. TERRITORY Coverage applies to property located within the 50 states comprising the United States of America and the District of Columbia. III. ULTIMATE NET LOSS In calculating the amount of Ultimate Net Loss,this insurance is deemed to have the following maximum sublimits: A. $ 50,000,000 In the aggregate annually as respects Earthquake Loss B. $ 5,000,000 In the aggregate as respects any Flood loss in Zones A,AO,AE,AH,A1-30,A99,AR C. $ 50,000,000 In the Aggregate as respects all other Flood loss D. $ 50,000,000 In the aggregate annually for all Flood losses combined E. $25,000,000 Newly Acquired Property—90 Days from the date of acquisition; coverage ceases if the newly acquired property is not reported within 90 days from the date of acquisition F $ 250,000 Accounts Receivable G.$ 5,000,000 Builders' Risks, Renovations, Repairs made by the Insured at any location (including new locations with total contract cost under$5,000,000)within the territorial limits of the policy, any one occurrence. Any Builders' Risks, Renovations, Repairs with total contract costs over$5,000,000 are not covered under this extension. Name of Insured:Colorado Counties Casualty and Property Pool Page 1 of 14 Policy Term:January 1,2021 to January 1,2022 H. $ 1,000,000 Builders Risk Soft Costs/Additional Expenses per Company Endorsement; $50,000 Unscheduled Locations I. $ 500,000 Business Interruption with 90 Day Ordinary Payroll Limitation; and 180 Days Extended Period of Indemnity J. $ 250,000 Civil Authority—4 Weeks Maximum K. $ 250,000 Ingress/Egress—4 Weeks Maximum L. $ 2,500,000 Unnamed Location,Any One Occurrence M. $ 100,00 Personal Property of Employees at a described Location N. $ 50,000 Personal Property of Others while on the Insured's property O. $ 10,000,000 Ordinance or Law P. $ 10,000,000 Extra Expense Q. $ 1,000,000 Expediting Expense R. $ 1,000,000 Property in Transit S. $ 10,000,000 Contractors' Equipment subject to maximum $1,500,000 per item T. $ 5,000,000 Fine Arts subject to maximum $500,000 per item U. $ 1,000,000 Fire Fighting Materials V. $ 250,000 Furs, Jewelry, Precious Stones and Metals not used for industrial purposes W. $ 250,000 Loss Adjustment Expenses/Professional Services X. $ 10,000,000 Service Interruption subject to 24 hour waiting period and 5 mile distance limitation Y. $ 1,000,000 Errors or Omissions Z. $ 1,000,000 Vehicle Physical Damage—Over the Road AA. $ 25,000 in the Annual Aggregate Pollution Clean Up and Removal, each County listed as a Named Insured subject to a$1,500,000 Annual Aggregate for all members BB. $ 100,000 Limited Mold/Fungi/Wet&Dry Rot-Terms per Company Endorsement CC. $ 100,000 Trees and Shrubs DD. $ 10,000,000 Valuable Papers Policy Deductible: Each claim for loss or damage separately occurring shall be adjusted separately and from each adjusted claim,the amount of$150,000 shall be deducted. Notwithstanding the foregoing,the deductible amount applying to certain peril(s)insured against by this policy shall be as follows. If two or more deductible amounts provided in this Policy apply to a single Occurrence,the total to be deducted shall not exceed the largest deductible applicable unless otherwise stated in this Policy. Name of Insured:Colorado Counties Casualty and Property Pool Page 2 of 14 Policy Term:January 1,2021 to January 1,2022 Flood Deductible: $150,000 Per Occurrence except as noted below: Flood Zone A:2%per building or structure of the sum of all values listed in the most recent Schedule of Values on file with the Company for each separately identifiable building or structure that has sustained a loss or damage and for which a claim is being made under this policy; Minimum$1,000,000 Per Occurrence as respects locations wholly or partially within Special Flood Hazard Areas(SFHA),areas of 100-year flooding, as defined by the Federal Emergency Management Agency(FEMA). Wind/Hail Deductible: 2% per building or structure of the Sum of all values listed in the most recent Schedule of Values on file with the Company for each separately identifiable building or structure that has sustained a loss or damage and for which a claim is being made under this policy subject to a minimum deductible of$1,000,000 Per Occurrence. Earthquake Deductible: $150,000 Per Occurrence Service Interruption Deductible: 24 Hours IV. SERVICE ORGANIZATION This Insurance is issued to the Insured on the express condition that the Insured undertakes to utilize at all times the services of County Technical Services, Inc. Claims Management Department.This Service Organization shall perform the following duties: A. Discharge the Insured's obligation under the terms of this agreement by administering a complete claims handling program. B. Maintain accurate records of all reported claims and details incident to loss and expense payments. C. Furnish monthly claims records on an approved form. The acceptance of these services shall be a condition precedent to any liability,which may attach to the Company in accordance with the terms and conditions of this Insurance. Property Insurance AGREEMENT A— BUILDING ANDPERSONAL PROPERTY: Company agrees, subject to the limitations,terms and conditions of this Insurance,to indemnify the Insured for risks of direct physical loss or damage to all Real or Personal Property of every kind and description,wherever located, occurring during the period of this Insurance. AGREEMENT B—VEHICLE PHYSICAL DAMAGE—while on premises (excluding over the Road): Company agree, subject to the limitations,terms and conditions of this Insurance,to indemnify the Insured for risks of direct physical loss or damage to Vehicles owned by the Insured or on which the Insured has an obligation to provide adequate insurance, against Risks of Direct Physical Loss while on premises (excluding over the road) AGREEMENT C—VEHICLE PHYSICAL DAMAGE—while over the road: Company agree, subject to the limitations,terms and conditions of this Insurance,to indemnify the Insured for risks of direct physical loss or damage to Vehicles owned by the Insured or on which the Insured has an obligation to provide adequate insurance, against Risks of Direct Physical Loss, including Collision of the Automobile with another object. Name of Insured:Colorado Counties Casualty and Property Pool Page 3 of 14 Policy Term:January 1,2021 to January 1,2022 Definitions/Provisions 1. PROPERTY OF THE INSURED:The term "Insured's Property"shall mean all Real and Personal Property, including leasehold improvements or betterments which the Insured owns, property which the Insured holds on consignments or agrees to insure by any contractual agreement normal to its operations. 2. VEHICLE:The term "VEHICLE"shall mean any motor vehicle,trailer or semi-trailer, including its equipment and any other equipment permanently attached thereto.The word"Trailer"shall include semi-trailer. 3. ULTIMATE NET LOSS:The words"Ultimate Net Loss" in respect of this section shall be understood to mean the loss sustained by the Insured after making deductions for all recoveries and salvages. 4. VALUABLE PAPERS:The term "Valuable Papers"shall mean written, printed or otherwise inscribed documents and records, including books, maps,film,drawings,abstracts, deeds, mortgages and manuscripts, but does not mean money and securities, but includes additional costs to research or restore damaged documents, drawings or records. 5. ACCOUNTS RECEIVABLE:The term "Accounts receivable"shall mean: a. All sums due the Insured from customers provided the Insured is unable to effect collections thereof as the result of covered loss or damage to records of accounts receivable; b. Interest charges on any loan to offset impaired collections pending repayment of such sums made uncollectible by such loss or damage: c. Collection expense in excess of normal collection caused and made necessary because of such loss or damage; d. Other expenses when reasonably incurred by the Insured in re-establishing records of accounts receivable following such loss and I or damage.The following Special exclusions apply to Accounts Receivable Coverage;this policy does not insure against: 1) Loss due to bookkeeping, accounting or billing errors or omissions; 2) Loss,the proof of which as to factual existence, is dependent upon an audit of records or an inventory computation, but this shall not preclude the use of such procedures in support of claim for loss which the insured can prove,through evidence wholly apart therefrom, is due solely to a risk of loss to records of accounts receivable not otherwise excluded hereunder; 3) Loss due to alteration,falsification, manipulation,concealment, destruction or disposal of records of accounts receivable committed to conceal the wrongful giving,taking,obtaining or withholding of money,securities or other property but only to the extent of such wrongful giving,taking,obtaining or withholding of money, securities or other property but only to the extent of such wrongful giving,taking,obtaining or withholding. 6. OCCURRENCE: "Occurrence" means all covered loss, damage, or a sequence of losses or damage,casualties or disasters, arising from a single event or catastrophe. So far as loss involving in whole or in part,the perils of wind, (including hurricanes,tornadoes, and cyclones), snow, rain, or hail is concerned a single event shall mean one single atmospheric disturbance during a continuous period of seventy-two(72)hours (not limited by the date on which coverage under this policy ceases). 7. BUILDERS RISK This policy cover projects in the course of construction at a covered location, other than an Unscheduled Location, within the policy TERRITORY as defined in Section II above,subject to the"total project value" not exceeding the Sublimit shown in Section III ULTIMATE NET LOSS above.Alteration,addition, extension, repairs and/or remodeling projects are included under this extension. Any builders' risks, renovations, repairs with total contract costs over$5,000,000 are not covered under this extension. Name of Insured:Colorado Counties Casualty and Property Pool Page 4 of 14 Policy Term:January 1,2021 to January 1,2022 As respects locations other than insured locations, coverage under this extension shall commence when the Insured first acquires an insurable interest at the location and shall cease sixty(60)days from the date of such acquisition, or when reported to and accepted by the Company, on the expiration date of this policy, whichever occurs first. No coverage is provided under this property in this extension for property while in transit or while waterborne. The term "total project value"shall mean the cost of all labor, materials,equipment, machinery, or supplies intended to be a permanent part of the completed buildings(s)or structure(s)and in which the Insured has an insurable interest at the time of the loss or damage. 8. ERRORS AND OMISSIONS The term Errors and Omissions covers direct physical loss or damage at Locations within the Coverage Territory that are owned, leased or operated by the Insured, if such loss or damage is not payable under the Policy solely due to: a. Any error or unintentional omission in the description of the address of the property whether made at the inception of the policy period or subsequent thereto; or b. Failure through any error or unintentional omission to: i. Include any Location of the Insured at the inception of the Policy; or ii. Report any newly acquired Location before the period of automatic coverage provided under the policy for Newly Acquired Property extension expires. This policy covers such direct physical loss or damage,to the extent it would have provided coverage had the error or unintentional omission had not been made. It is a condition of this coverage that any error or unintentional omission be reported by the Insured to the Company when discovered and corrected.The Company may charge an additional premium based on the proper values reported after the correction has been made to the schedule of values/locations. There is no coverage under this Paragraph for loss or damage which is covered under Newly Acquired or Unnamed Locations provisions of this Policy. Excluded Perils With regard to all Property,this insurance does not insure against: 1. Loss by moth,vermin,termites or other insects;wear,tear or gradual deterioration; rust,wet or dry rot, or mold. 2. Loss resulting from loss of use, delay or loss of markets. 3. Breakdown of machinery and/or boiler explosion but not excluding loss resulting therefrom.This exclusion shall not apply as respects to EDP equipment and media. 4. Loss resulting from dampness of atmosphere or variation in temperature unless caused by the perils of fire, explosion, windstorm, hail, riot,civil commotion, and impact by aircraft or vehicles.This exclusion shall not be deemed to exclude loss resulting from freezing. 5. Loss of electrical appliances or devices of any kind, including wiring, arising from electrical injury or disturbance to the said electrical appliances or devices or wiring from artificial causes unless fire or explosion ensues, and then only for direct loss or damage caused by fire or explosion. 6. Loss by normal settling, normal shrinkage or normal expansion in foundations, walls,floors or ceilings. 7. Loss by mechanical derangement, error in design, inherent vice or latent defect. Name of Insured:Colorado Counties Casualty and Property Pool Page 5 of 14 Policy Term:January 1,2021 to January 1,2022 8. Loss resulting from processing or faulty workmanship, unless fire and/or explosion ensues, and then only for direct loss or damage caused by such ensuing fire or explosion. 9. Loss resulting from shrinkage, evaporation, loss of weight or leakage, unless such loss is caused directly by fire or the combating thereof, lightening,windstorm, hail, explosion, strike, riot or civil commotion, aircraft,vehicles, breakage of pipes or apparatus, sprinkler leakage,vandalism and malicious mischief,theft or attempted theft. 10. Inventory shortage, mysterious disappearances or loss resulting from any kind of infidelity or dishonesty on the part of the Insured or any of his employees. Excluded Property 1. Animals; 2. Aircraft 3. Standing timber, growing crops, land and land values; 4. Currency, money, notes, and securities; 5. Bridges, culverts, roadways, streets, walks, or paved surfaces, dams, docks, piers and Wharves; 6. Water; 7. Tunnels used for vehicular traffic; underground mines and property therein. The following property not at a Covered Location: 1. Underground piping,wiring,flues or drains; 2. Reservoirs,transmission and distribution lines,telephone and power poles and appurtenants, street and highway lighting and signs. The following property not part of museum collections and/or exhibits at a Covered Location: 1. Furs;jewelry; precious and semi-precious stones, gold, silver, platinum and other precious metals and alloys. Conditions 1. REPORTING REQUIREMENTS A. NEWLY ACQUIRED PROPERTY:The Company will charge the appropriate premium for adding Property to the policy. Property must be reported the Carrier within 90 days of acquisition or coverage ceases. For Property with values over$5,000,000 the Company will charge an additional premium. For Property with values under$5,000,000, the Company is to be notified of the newly acquired Property and any additional premium will be waived. The Insured is required to include the new Property and/or Location on the Statement of Values. B. MEMBERSHIP RECONCILIATION REPORT FOR UDPATED STATEMENT OF VALUES: The Insured will provide the Company a Membership Reconciliation Report updating the Statement of Values for 100%of values by Member and Location(s) by March 1st of each policy year. The report shall incorporate any changes to the insured Locations including new buildings, new locations and/or deleted buildings and/or Locations. Name of Insured:Colorado Counties Casualty and Property Pool Page 6 of 14 Policy Term:January 1,2021 to January 1,2022 2. VALUATION.The Company shall not be liable for loss or damage in excess of. A. Real and Personal Property-the cost to repair, rebuild or replace the destroyed or damaged property in a condition equal to but not superior to or more extensive than its condition when new. If the Insured decides to replace destroyed or damaged property on another site, cost of such site is not included hereunder. It is a requirement that if the Insured does not repair, replace or rebuild the property within two years from the date of loss,this property shall be valued at actual cash value. B. Automobile-the actual cash value of the automobile at the time of loss. C. Contractors Equipment—the actual cash value of the equipment at the time of loss. 3. REMOVAL CLAUSE.This Insurance covered the expense and damage occasioned by removal from the premises endangered by the perils insured against wherever such Property is located or removed for preservation. 4. ARCHITECTS FEES.This Insurance covers the additional assessment involving architects'fees for consultations arising from losses resulting from an insured peril. Fees are limited to seven (7%)percent of replacement cost. 5. APPRAISAL. In the event the Insured and Company are unable to agree as to the amount necessary to rebuild, repair or replace the damaged or destroyed property or the actual amount of reimbursement to be paid, each party shall name a competent and disinterested umpire.The appraisers together shall obtain reconstruction estimates, and calculate the amounts of reimbursement due, and failing to agree, shall submit their differences to the umpire. The award, in writing, duly verified by any two shall determine the point in question. Both parties shall pay the cost of their own appraiser and equally pro rate the cost of the umpire. 6. CIVIL AUTHORITY CLAUSE. Notwithstanding anything contained in this Insurance, property which is insured under this Insurance is also covered against the risk of damage or destruction by civil authority during a conflagration and for the purpose of retarding the same; provided that neither such conflagration nor such damage or destruction is caused or contributed to by war, invasion, revolution, rebellion, insurrection or other hostilities or warlike operations. 7. ORDINANCE DEFICIENCY CLAUSE. Notwithstanding anything contained herein to the contrary,the Company shall be liable also for the loss occasioned by the enforcement of any state or municipal law, ordinance or code,which necessitates, in repairing or rebuilding, replacement of material to meet the minimum requirements of such law, ordinance or code. If demolition is required to comply with such enforcement,Company shall also be liable for such additional costs. General Conditions 1. PREMIUM PROVISION See Declarations Page. 2. SALVAGE AND RECOVERY CLAUSE All Salvages, recoveries and payments recovered or received subsequent to a loss settlement under this Insurance shall be applied as if recovered or received prior to the said settlement and all necessary adjustments shall be made by the parties hereto. 3. INSPECTIONS,AUDIT AND VERIFICATION OF VALUES The Company or their duly authorized representatives shall be permitted at all reasonable times during continuance of this Insurance to inspect the premises used by the Insured and to examine the Insured's books or records so far as they relate to coverage afforded by this Insurance. Name of Insured:Colorado Counties Casualty and Property Pool Page 7 of 14 Policy Term:January 1,2021 to January 1,2022 4. RECORDS It is hereby understood and agreed that the records and books as kept by the Insured shall be acceptable to Company in determining the amount of loss or damage covered hereunder. 5. DUE DILIGENCE CLAUSE The Insured shall use due diligence and do and concur in doing all things reasonably practicable to avoid or diminish any loss of or damage to the property herein insured. 6. CURRENCY The premium and losses under this Insurance are payable in United States currency. Payment of premium shall be made to Arthur J. Gallagher Risk Management Services, Inc. 7. BANKRUPTCY AND INSOLVENCY In the event of the bankruptcy or insolvency of the Insured or any entity comprising the Insured,the Company shall not be relieved of the payment of any claims hereunder because of such bankruptcy or insolvency. 8. OTHER INSURANCE If the Insured has other Insurance against loss covered by this Insurance the Company shall be liable, under the terms of this Insurance, only as excess of coverage provided by such other Insurance and no monies payable or collectable from such other insurance shall accrue in the aggregate loss fund of this Insurance. 9. MORTGAGE CLAUSE The interest of any mortgagor on property covered hereunder is included as if a separate endorsement were attached hereto to the extent of the amount of mortgage as of the date of loss subject to the limits of liability set forth in this Insurance. 10. CLAIMS The Insured shall as soon as practicable notify the Company through County Technical Services, Inc. Claims Management Department of any Occurrence,the cost of which is likely to result in payment by the Company under this Insurance.The Company shall have the opportunity to be associated with the Insured in defense of any claims, suits, or proceedings relative to an Occurrence;wherein,the opinion of the Company,their liability under this Insurance is likely to be involved, in which case the Insured and Underwriters shall cooperate to the mutual advantage of both. 11. NOTICE OF LOSS The Insured through County Technical Services, Inc. Claims Management Department shall as soon as practicable report to this Company or its agent every loss or damage which may become a claim under this Policy and shall also file with the Company or its agents within ninety(90)days from date of loss a detailed sworn proof of loss. Failure by the Insured or County Technical Services, Inc.to report the said loss or damage and to file such proof of loss as required herein shall not invalidate any claim under this Policy for such loss except if and to the extent that the Company can prove that it was actually prejudiced by any unreasonable delay in reporting loss or damage. 12. EXAMINIATION UNDER OATH The Insured shall submit, and so far as is within his/her or their power shall cause all other persons interested in the property and members of the household and employees to submit,to examinations under oath by any persons named by the Company, relative to any and all matters in connection with a claim and subscribe the same and shall produce for examination all books of account, bills, invoices and other vouchers or certified copies thereof if originals be lost, at such reasonable time and place as may be designated by the Company or its representatives and shall permit extracts and copies thereof to be made. Name of Insured:Colorado Counties Casualty and Property Pool Page 8 of 14 Policy Term:January 1,2021 to January 1,2022 13. SETTLEMENT OF LOSS All adjusted claims shall be paid or made good to the Insured through County Technical Services, Inc. within sixty(60) days after presentation and acceptance of satisfactory proof if interest and loss at the office of this Company. No loss shall be paid hereunder if the Insured has collected the same from others. 14. LOSS PAYMENTS When it has been determined that Company are liable under this Insurance, Company shall thereafter promptly reimburse County Technical Services, Inc. for all payments made in excess of the amounted .stated in the Limits Agreement.All adjusted claims shall be paid or made good within thirty(30)days after their presentation by County Technical Services, Inc. Claims Management Department and acceptance by the Company of satisfactory proof of interest and loss. 15. NO BENEFIT TO BAILEE This insurance shall in no wise inure directly or indirectly to the benefit of any carrier or other bailee. 16. LITIGATION PROCEEDINGS No suit to recover on account of loss under this insurance shall be brought until ninety days after the proof of loss shall have been furnished, nor at all unless commenced within twenty seven months from the date upon which loss occurred, if such loss is within the knowledge of the Insured; if not,the twenty-seven months shall begin upon notice to the Insured to such loss or claim 17. SUBROGATION The Company shall be subrogated to all rights which the Insured may have against any person or other entity in respect to any claim or payment made under this Insurance, and the Insured shall execute all papers required by the Company and shall cooperate with the Company to secure Underwriter's rights. IN case any reimbursement obtained or recovery made by the Insured or the Company on account of any loss covered by this Insurance,the net amount of such reimbursement or recovery, after deducting the actual cost of obtaining or making the same, shall be first applied in the following order: a. Amount of loss which exceeds the applicable limit of liability. b. To reduce the Company'loss until the Company are fully reimbursed. c. To reduce the Insured's loss because of the application of the aggregate loss fund. 18. WAIVER OF SUBROGATION This Insurance shall not be invalidated if the Insured by written agreement has waived or shall waive its right of recovery from any party for loss or damage covered hereunder; provided,that any such waiver is made prior to the occurrence of said loss or damage. 19. CONFLICTING STATUTES In the event that any provision of this Insurance is unenforceable by the Insured under the laws of any state or other jurisdiction wherein it is claimed that the Insured is liable for any injury covered hereby because of non-compliance with any statute thereof,then this policy shall be enforceable for the Insured with the same effect as if it complied with such statues. Name of Insured:Colorado Counties Casualty and Property Pool Page 9 of 14 Policy Term:January 1,2021 to January 1,2022 20. ASSIGNMENT Assignment of interest under this Insurance shall not bind the Company until the Company'consent is endorsed hereon. 21. PAIR,SET OR PARTS It is understood and agreed that, in the event of loss of or damage to any article or articles which are part of a set,the measure of loss of or damage to such article shall be a reasonable and fair proportion of the total value of the set, giving consideration to the importance of said article or articles; but in no event shall such loss or damage be construed to mean total loss of set. In case of loss or injury to any part of the insured property consisting,when complete for sale or use, of several parts,this Company shall only be liable for the insured value of the part lost or damaged. 22. PROTECTION AND PRESERVATION OF PROPERTY In case of actual or imminent physical loss or damage of the type insured against by this policy,the expenses incurred by the insured in taking reasonable and necessary actions for the temporary protection and preservation of property insured hereunder shall be covered by this policy.The Underwriters' proportion of such expenses shall be limited to the extent they were incurred with the intent to reduce loss or damage which could otherwise have been payable under this policy. Any recovery hereunder shall be subject to the applicable deductible and shall be included in and not additional to the limit of this policy. 23. SUIT No suit, action or proceeding for the recovery of any claim under the Policy shall be sustainable in any court of law or equity unless the same is commenced within twelve(12)months after discovery by the Insured of the occurrence which gives rise to the claim. Provided, however,that if by the laws of the State within which this Policy is issued such limitation is invalid,then any such claims shall be void unless such action, suit or proceeding be commenced within the shortest limit of time permitted by the laws of such State to be fixed herein. 24. APPRAISAL If the insured and the Company fail to agree as to the amount of loss,each shall,on the written demand of either, made within sixty days after receipt of proof of loss by the Company,select a competent and disinterested appraiser,and the appraisal shall be made at a reasonable time and place.The appraisers shall first select a competent and disinterested umpire, and failing for fifteen days to agree upon such umpire,then,on the request of the Insured or the Company,such umpire shall be selected by a judge a court of record in the state in which such appraisal is pending.The appraisers shall then appraise ht the loss,stating separately the actual cash value at the time of loss and the amount of loss,and failing to agree shall submit the differences to the umpire.An award in writing of any two shall determine the amount of toss.The Insured and the Company shall each pay his/her or its chosen appraiser and shall bear equally the other expenses of the appraisal and umpire.The Company shall not be held to have waived any of its rights by any act relating to the appraisal. 25. CANCELLATION This Policy may be cancelled by the Insured by mailing to the Company written notice stating when thereafter such cancellation shall be effective.This Policy may be canceled by the Company by mailing to the Insured at the address shown in this Policy or last known address written notice stating when no fewer than (90)ninety days(10 days for nonpayment of premium)thereafter such cancellation shall be effective.The mailing of notice as aforesaid shall be sufficient proof of notice,and the effective date of cancellation stated in the notice shall become the end of the policy period. Delivery of such written notice either by the Insured or by the Company shall be equivalent to mailing. If this insurance shall be cancelled by the Insured,the Company shall retain the customary short rate proportion of the premium hereon,except that if this Insurance is on a adjustable basis the Company shall receive the earned premium hereon or the customary short rate proportion of any minimum premium stipulated herein whichever is greater. If this Insurance shall be cancelled by or on behalf of the Company,the Company shall retain the pro rata proportion of the premium hereon; except that if this insurance is on an adjustable basis,the Company shall receive the earned premium hereon or the pro rata proportion of any minimum premium stipulated herein whichever is the greater. Name of Insured:Colorado Counties Casualty and Property Pool Page 10 of 14 Policy Term:January 1,2021 to January 1,2022 Payment or tender of any unearned premium by the Company shall not be a condition precedent to the effectiveness of Cancellation by such payment shall be made as soon as practicable. If the period of limitation relating to the giving of notice is prohibited or made void by any law controlling the construction thereof, such period shall be deemed to be amended so as to be equal to the minimum period of limitation permitted by such law. Subject otherwise to all terms, clauses and conditions heretofore. 26. CHANGES By acceptance of this Insurance,the Insured agrees that it embodies all agreements existing between the Insured and Company or any of its agents relating to this Insurance. None of the provisions, conditions or other terms of this Insurance shall be waived or altered except by endorsement; nor shall notice to any agent or knowledge possessed by any agent or by any other person be held to effect a waiver or change in any part of this insurance. 27. FRAUDULENT CLAIMS If the Insured shall make any claim knowing the same to be false or fraudulent, as regards amount or otherwise,this Insurance shall become void and all claim hereunder shall be forfeited. 28. MISREPRESENTATION OR FRAUD This policy shall be void if the Insured has concealed or misrepresented any material fact or circumstances concerning this insurance or the subject thereof in case of any fraud, attempted fraud or false swearing by the insured touching any matter relating to this insurance or subject thereof, before or after loss. Earth Movement Coverage Earth Movement means: • Any earth movement,other than sinkhole collapse,such as earthquake, landslide, mine subsidence or earth sinking, rising or shifting including that caused by subsidence, settling,contraction,or expansion of soils. • Eruption, explosion, or effusion of a volcano other than volcanic action. If more than one earth movement or volcanic eruption occurs within any 72 hour period,we'll consider this one occurrence.The 72 hour period will not be shortened by the expiration of the policy. The limit shown in the Coverage Agreement Section under Ultimate Net Loss for earthquake is the most this Company will pay for all direct loss or damage caused by a single Earth Movement. Flood Coverage Flood, mudslide or mudflow, and surface water are covered perils. Flood means waves,tides or tidal water,the rising of bodies of water and streams, or the overflowing or breaking of their boundaries,whether driven by wind or not. Surface water means water which accumulates or flows on the surface of the ground, and is created by natural causes such as rain, melted snow, or rising springs, but which follows no defined watercourse and does not gather into or from a natural body of water. The Company is not liable for more than the limits shown in the Coverage Agreement, Ultimate Net Loss section of the Policy.. Name of Insured:Colorado Counties Casualty and Property Pool Page 11 of 14 Policy Term:January 1,2021 to January 1,2022 Transit Extension Insuring Clause This insurance is hereby extended to cover Personal property of the Insured or property held by the Insured in trust or on commission or on consignment for which the insured may be held legally liable while in due course of transit within the limits of the Continental the 50 states comprising the United States of America (excluding Hawaii)and the District of Columbia, against All Risks of Direct Physical Loss or Damage to the property insured occurring during the period of this policy (including general average and salvage charges on shipments covered while waterborne). Perils Excluded This extension does not insure against: 1. Loss or damage to personal property resulting from: shrinkage, evaporation, loss of weight, leakage of glass or other fragile articles, marring, scratching, exposure to light, or change in color,texture or flavor, unless such loss is caused directly by fire or the combating thereof, lightening, windstorm, hail,explosion,strike, riot or civil commotion, aircraft,vehicles, breakage of pipes or apparatus, sprinkler leakage,vandalism and malicious mischief,theft or attempted theft. 2. Loss of use,delay or loss of markets. 3. Loss or damage caused by or resulting from moth,vermin,termites, or other insects, inherent vice, latent defect,wear,tear or gradual deterioration; contamination; rust,wet or dry rot, mold, dampness of atmosphere, smog or extremes of temperature. 4. Loss or damage caused by or resulting from misappropriation,conversion, infidelity or any dishonest act on the part of the Insured or other party of interest, his or their employees or agents to others whom the property may be delivered or entrusted (carriers for hire excepted). 5. Loss or damage to the property insured occasioned by war, invasion, hostilities acts of foreign enemies,civil war, rebellion, insurrection, military or usurped power or martial law or confiscation by order of any government or public authority. 6. Loss or damage arising directly or indirectly from nuclear reaction, nuclear radiation or radioactive contamination however such nuclear reaction, nuclear radiation or radioactive contamination may have been caused. Nevertheless, if a fire arises directly or indirectly from nuclear reaction, nuclear radiation or radioactive contamination,any loss or damage arising directly from that fire shall (subject to the provisions of this policy)be covered excluding, however,all loss or damage caused by nuclear reaction, nuclear radiation or radioactive contamination arising directly or indirectly from that fire. 7. Loss or damage caused by breakdown or derangement of refrigerating units. Property Excluded This extension does not cover: 1. Aircraft,watercraft,vehicles designed for highway use, animals,jewelry, precious stones and furs or garments trimmed with fur. 2. Currency, money, notes, securities, deeds, and evidences of debt 3. Property in due course of ocean marine transit. 4. Shipments by mail after delivery into the custody of the Post Office Department. 5. Samples while in the care, custody or control of salesmen. Name of Insured:Colorado Counties Casualty and Property Pool Page 12 of 14 Policy Term:January 1,2021 to January 1,2022 Conditions 1. The Insured may accept without prejudice to this insurance the ordinary bills of lading or receipts issued by carriers including those containing released and/or partially released value provisions, but the Insured shall not enter into any special agreements with carriers releasing them from their common law or statutory liability. 2. Property insured hereunder shall be valued as follows: a. Sold property at the actual net invoice price of the Insured. b. Unsold property at the actual cash value of the property at the time any loss or damage occurs with property deduction for depreciation and in no event to exceed what it would cost to repair or replace the property with material of like kind and quality. Extra Expense Coverage It is agreed that if the property covered under Insuring Agreement A is damaged or destroyed by perils insured against during the period of this Insurance so as to necessitate the incurrence of Extra Expense(as defined below)the Company shall be liable for the Extra Expense so incurred, not exceeding the actual loss sustained,for not exceeding such length of time, hereinafter referred to as the"period of restoration". It is further agreed that this extension of coverage shall not operate to increase the Company limits of liability hereunder. Definitions: A. Extra Expense: The term"Extra Expense"means the excess(if any)of the total cost incurred during the period of restoration chargeable to the operation of the Insured's business, over and above the total cost that would normally have been incurred to conduct the business during the same period had no damage or destruction occurred. B. Normal: The term "normal"wherever used herein shall mean;the condition that would have existed had no loss occurred. C. Period of Restoration:The term"Period of Restoration"means such length of time commencing with the date of damage and not limited by the date of expiration of this policy,as would be required with the exercise of due diligence and dispatch to repair, rebuild or replace such part of the Insured's property as has been damaged or destroyed. Conditions: A. Resumption of Operations: It is a condition of this Insurance that as soon as practicable,the Insured shall resume normal operations of the business and shall dispense with such extra expense. B. Interruption by Civil Authority: Liability hereunder is extended to include actual loss as covered hereunder, sustained during the period of time, not exceeding two weeks,when as a direct result of physical loss or damage by a peril insured against within one mile of the insured premises, access to the premises in which the property described is located is prohibited by order of civil authority. Exclusions: In addition to the General Exclusions of this Insurance, Company shall not be liable for Extra Expense resulting from: A. The suspension, lapse or cancellation of any lease, license, contract or order beyond the period of restoration; B. Interference at premises by strikers or other persons with rebuilding, repairing or replacing the property damages or destroyed or with the resumption or continuation of business; C. Enforcement of any local or state ordinance or law regulating construction, repair or demolition of buildings or structures; Name of Insured:Colorado Counties Casualty and Property Pool Page 13 of 14 Policy Term:January 1,2021 to January 1,2022 Further,the Company shall not be liable for: A. More than the amount set forth in the limits of liability; B. Loss of income; C. The cost of repairing or replacing any of the real or personal property covered hereunder, or the cost of research or other expense necessary to replace or restore damage or destroyed books of account, abstracts, drawings, card index systems or other records(including film,tape, disc,drum, cell or other magnetic recording or storage media for electronic data processing),that have been damaged or destroyed by the perils insured against, except cost in excess of the normal cost of such repair, replacement or restoration necessarily incurred for the purpose of reducing loss under this policy. In no event shall such excess cost exceed the amount by which the total extra expense loss otherwise payable under this policy is thereby reduced. D. Loss resulting from theft of any property which at the time of loss is not an integral part of a building or structure (except direct loss by pillage and looting occurring during and at the immediate place of a riot or civil commotion), unless loss by a peril not excluded in this policy ensues from theft or attempted theft, and then the Company shall be liable for only such ensuing loss; E. Any other consequential or remote loss. Pollution Cleanup and Removal Notwithstanding any conditions or terms contained elsewhere in this policy, coverage is extended to cover the cost to clean up and remove pollutants that are: 1. In the land or water at an insured location provided the discharge, seepage, migration, release, escape or dispersal is a direct result of physical loss or damage by fire, lightning, explosion, windstorm, hail, leakage from fire protection equipment, smoke,vehicles and aircraft, riot, civil commotion,vandalism, sinkhole collapse,volcanic action,falling objects, weight of snow, ice or sleet,or water damage. For example: a fire damage at an insured location causes chemicals to run onto the ground and into a nearby river. This policy will pay to clean up the pollution that is in the land and water at the insured premises up to the limit of liability of this extension.This policy will not pay to clean up land or water away from an insured premises; 2. In the land or water away from an insured premises but only when pollution or contamination is caused by the collision, upset or overturn of a transporting vehicle which is owned,operated, rented, leased or borrowed by the Insured. Coverage is provided under the extension only if the following conditions are met: A. The cause of loss occurs during the policy period; B. The pollution must occur at an insured location except as provided for in clause 2. above. C. The clean-up and removal costs must be incurred and reported to the company within one hundred(180) days of either the date of direct physical loss or damage or the end of the policy period,whichever is earlier. Liability for loss under this extension shall not exceed$25,000 in any one occurrence or$25,000 in the aggregate for all such losses in any one policy year. However,these limits will apply separately to each County member listed as a Named Insured except$1,500,000 Aggregate applies to all County members. Name of Insured:Colorado Counties Casualty and Property Pool Policy Term:January 1,2021 to January 1,2022 ENDORSEMENT A EXCESS CLAUSE 1. EXCESS CLAUSE A. Coverage hereunder shall not apply until the amount of loss, damage or expense arising out of any one occurrence exceeds SEE ATTACHMENT CLAUSE plus the applicable portion of the primary policy deductible as set forth herein and any waiting period attributable to the perils and/or property and/or coverages insured hereunder. The amount of the applicable portion of the primary deductible referred to above shall be determined by the proportion that the amount of loss attributable to the perils and/or property and/or coverages insured against under this policy(without application of the excess provision) bears to the total amount of loss multiplied by the amount of the applicable primary deductibles. In the event that the total amount of loss,damage, or expense attributable to the perils and/or property and/or coverage insured under the underlying insurance exceeds that amount at which this policy would normally attach, but due to the application of sublimits in the underlying policy(ies),the total loss, damage and expense payable by the underlying policy(ies)does not fully exhaust the underlying policy(ies)limit,then this policy shall drop down and be liable for the loss as covered under this policy in excess of the amount paid by the underlying policy(ies). B. In determining the amount of any loss, damage, or expense for which this policy is excess,the total loss for all coverages caused by any combination of perils,one or more of which is insured against under the primary policy, shall be used even though all such perils or coverages are not insured against under this excess policy. (1) Any recoveries made under the primary policy shall be considered as first applying to those perils and/or property and/or coverages not insured against by this policy. Upon exhaustion of the primary policy limits,this policy shall drop down and be liable for the loss in excess of the amount attributable to the primary policy as respects those perils and/or coverages and/or property insured hereunder subject to the limit of this policy. (2) If there is any other excess insurance covering the perils and/or property and/or coverages insured against in the primary policy, but not covered by this policy,this insurance shall then allocate any loss recoveries made under the primary policy in the same proportion as the amount of loss involving the property and/or coverages insured against by this policy bears to the combined total loss. Upon exhaustion of the primary policy limits,this policy shall drop down and be liable for the loss in excess of the amount attributed to the primary policy as respects those perils and/or property and/or coverages covered hereunder subject to the limit of this policy. (3) Paragraph two shall not apply, however,when the amount of loss attributed to the perils insured under the primary policy, but not covered under this policy, exceed the total amount of insurance provided by the primary and excess coverages with respect to said perils. In this situation any recoveries made under the primary policy shall first apply to those perils not insured by this policy. Upon exhaustion of the primary limits,this policy shall drop down and be liable for loss in excess of the amount attributed to the primary policy as respects those perils covered hereunder subject to the limit of this policy. (4) In the event the Insured is a contributing or self-insurer with respect to the perils and/or property and/or coverages otherwise insured in any underlying insurance and no policy is issued to define the extent of this contributing or self insurance,for the purposes of this Excess Clause,the Insured's contributing or self-insurance shall be deemed to be the same as either: (a)all other contributing insurance participating in the Insured's layer(s); or(b)all other contributing insurance participating in the layer below the Insured's layer where the Insured is entirely self insuring the layer. If the coverage provided by the policy(s)of the other contributing insurance company(s)is non- concurrent,then the contributing or self insurance provided by the Insured within the layer in question shall be deemed to be the same as the coverage provided by that contributing insurance company whose policy provides the least indemnity for the loss. Name of Insured:Colorado Counties Casualty and Property Pool Policy Term:January 1,2021 to January 1,2022 C. In the event the annual aggregate limits provided for Flood and/or Earthquake are diminished or exhausted in any one policy year,the coverage provided under this policy shall respond as excess of the remaining limits as respects those perils insured under this policy. In such event,the applicable amount of the deductibles provision of the primary policy as set forth herein shall apply to the combination of all policies. Name of Insured:Colorado Counties Casualty and Property Pool Policy Term:January 1,2021 to January 1,2022 ENDORSEMENT B NAMED INSURED ENDORSEMENT This endorsement, effective 12:01 AM January 1, 2021 Forms a part of Policy No: Issued to: COLORADO COUNTIES CASUALTY AND PROPERTY POOL By: NAMED INSURED ENDORSEMENT It is agreed that the Participating Member Counties named hereunder are included as Named Insureds: 1 Alamosa 26 Las Animas 2 Archuleta 27 Lincoln 3 Baca 28 Logan 4 Bent 29 Mineral 5 Chaffee 30 Moffat 6 Cheyenne 31 Montezuma 7 Clear Creek 32 Montrose 8 Conejos 33 Morgan 9 Crowley 34 Otero 10 Custer 35 Ouray 11 Delta 36 Park 12 Dolores 37 Phillips 13 Elbert 38 Prowers 14 Fremont 39 Pueblo 15 Garfield 40 Rio Blanco 16 Gilpin 41 Rio Grande 17 Grand 42 Routt 18 Gunnison 43 Saguache 19 Hinsdale 44 San Juan 20 Huerfano 45 San Miguel 21 Jackson 46 Sedgwick 22 Kiowa 47 Summit 23 Kit Carson 48 Teller 24 La Plata 49 Washington 25 Lake 50 Yuma ALL OTHER TERMS AND CONDITIONS REMAIN UNCHANGED Name of Insured:Colorado Counties Casualty and Property Pool Policy Term:January 1,2021 to January 1,2022 ENDORSEMENT C JOINT LOSS CLAUSE This endorsement, effective 12:01 AM January 1, 2021 Forms a part of Policy No: Issued to: COLORADO COUNTIES CASUALTY AND PROPERTY POOL By: It is agreed that the policy to which this endorsement is attached is hereby amended as follows: In the event the Insured suffers a loss of or damage to property at a location designated in this policy and also designated in an Equipment Breakdown Policy,and there is a disagreement between this company and the Equipment Breakdown Insurer with respect to: (1) whether the loss or damage was caused by an accident insured against by this policy or by a peril insured against by such Boiler insurance policy, or (2) the extent of participation of this policy and of such Boiler insurance policy in the loss or damage; then, after agreement among the Insured,this company and the Equipment Breakdown Insurer as to the total amount of the loss or damage recoverable under both policies,this company will, upon written request of the Insured, pay to the Insured, in addition to that portion of the total recoverable loss or damage for which it admits liability: one-half(1/2)of that portion of the total recoverable loss or damage which is in disagreement(but in no event more than the minimum amount remaining payable under either this policy or the Boiler insurance policy after making provision for undisputed payments)provided that the Equipment Breakdown Insurer shall simultaneously pay to the Insured the remaining one-half(1/2)of that portion of the total recoverable loss or damage which is in disagreement. Such payment by this company and the acceptance of the same by the Insured signifies the agreement of the company to submit to and proceed with arbitration within 90 days of such payment in order to apportion the amount of total recoverable loss or damage which is in disagreement between this company and the Equipment Breakdown Insurer.The arbitrators shall be three in number, one of whom shall be appointed by this company, and the third appointed by consent of the other two.The decision by the arbitrators shall be binding on the parties. The Insured agrees to cooperate in furnishing information and technical data as may be required by this company in connection with such arbitration or any other method of apportionment upon which this company and the Equipment Breakdown Insurer may decide, but not to intervene therein. Except as otherwise expressly provided herein,this endorsement does not modify or waive any of the terms and conditions of this policy or affect in any way the rights of the Insured or the Company hereunder. This endorsement shall not apply unless the Equipment Breakdown Insurance Policy is similarly endorsed, and it may be cancelled by the Company on 90 days'written notice to the Insured. Name of Insured:Colorado Counties Casualty and Property Pool Policy Term:January 1,2021 to January 1,2022 GENERAL AMENDATORY ENDORSEMENT Named Insured Endorsement Number Colorado Counties Casualty and Property Pool Policy Symbol Policy Number Policy Period Effective Date of Endorsement FS PWo33oo21 1/1/2021 to 1/1/2022 Issued By(Name of Insurance Company) Lloyds of London Insert the policy number.The remainder of the information is to be completed only when this endorsement is issued subsequent to the preparation of the policy. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THIS ENDORSEMENT MODIFIES INSURANCE PROVIDED UNDER THE FOLLOWING: COLORADO COUNTIES CASUALTY AND PROPERTY POOL POLICY The following changes are hereby made to the policy,supersede any term,provision or endorsement to the contrary in this policy; and apply notwithstanding such term,provision or endorsement: In the Section entitled Excluded Property,the following are added: 8. Air supported structures; g. Watercraft; 10. Evidence of debt; 11. Off-shore drilling rigs or platforms; 12. Property sold under a conditional sale or trust agreement or under an installment plan after delivery to customers; 13. Railroad rolling stock; In the Section titled Excluded Perils,the following are added: 11. Loss resulting from the actual,alleged or threatened presence,release, discharge, escape or dispersal of "pollutants or contaminants",all whether direct or indirect,proximate or remote,or in whole or in part caused by, contributed to or aggravated by any physical damage insured by this policy. This exclusion does not apply to: (a) Ensuing loss or damage caused by or resulting from fire; or (b) Loss or damage caused by or resulting from fire, lightning, aircraft impact, explosion, riot, civil commotion, smoke, vehicle impact, leakage from automatic fire protective systems or windstorm or hail. 12. Loss resulting from change in color,flavor,texture or finish; 13. Indirect or remote loss or damage; Page 1 of 2 Name of Insured:Colorado Counties Casualty and Property Pool Policy Term:January 1,2021 to January 1,2022 14. Loss resulting from insurrection, rebellion, revolution, civil war, usurped power, or action taken by governmental authority in hindering, combating, or defending against such an event; 15. Loss resulting from any dishonest or criminal act(including theft)by the Insured,or any of the Insured's partners, members,officers,managers,employees(including temporary employees and leased workers), 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: (a) applies whether or not an act occurs during your normal hours of operation; and (b) does not apply to acts of destruction by your employees (including temporary employees and leased workers) or authorized representatives; but theft by the Insured's employees (including temporary employees and leased workers)or authorized representatives is not covered. 16. Loss resulting from expropriation, seizure, appropriation,nationalization,willful destruction, condemnation,requisition,or sequestration by law, order or administrative action of any government (whether civil,military,or de facto).This exclusion does not apply to loss or damage caused by or resulting from acts of destruction ordered by any government and done at the time of a fire to prevent its spread,if the fire would be insured under this policy. 17. Loss resulting from nuclear reaction,nuclear explosion,nuclear radiation, or radioactive contamination from any cause, all whether direct or indirect,controlled or uncontrolled,proximate or remote,or contributed to or aggravated by a peril insured herein. However,if fire not otherwise excluded results,the Company will be liable for direct physical loss or damage by such resulting fire but not including any loss or damage due to nuclear reaction,nuclear explosion,nuclear radiation, or radioactive contamination. 18. Loss resulting from hostile or warlike action in time of peace or war,including action in hindering, combating or defending against an actual,impending or expected attack by any: a. governmental or sovereign power(de jure or de facto); b. military,naval or air force; or c. agent or authority of any party specified in sub-paragraphs a.and b.immediately above. Under Insuring Agreement,Section II.TERRITORY is deleted and replaced with the following: Coverage applies to property located within the United States of America,including its territories and possessions. The Company is not liable for more than the limits shown in the coverage summary. All other terms and conditions remain unchanged. Page 2 of 2 Name of Insured:Colorado Counties Casualty and Property Pool Policy Term:January 1,2021 to January 1,2022 DEFINITION OF LOSS OCCURRENCE ENDORSEMENT Named Insured Endorsement Number Colorado Counties Casualty and Property Pool Policy Symbol Policy Number Policy Period Effective Date of Endorsement FS PWo33oo21 1/1/2021 to 1/1/2022 Issued By(Name of Insurance Company) Lloyds of London Insert the policy number.The remainder of the information is to be completed only when this endorsement is issued subsequent to the preparation of the policy. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THIS ENDORSEMENT MODIFIES INSURANCE PROVIDED UNDER THE FOLLOWING: COMMERCIAL PROPERTY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART The following definition is added to this policy; supersedes any other definition, express or implied, of the term "Loss Occurrence" in any term, provision or endorsement to this policy; and applies not withstanding such term, provision or endorsement: 1. "Loss Occurrence"means the sum of all individual losses arising out of and directly caused by any one disaster, accident or loss or series of disasters, accidents or losses arising out of one event which occurs anywhere within the Coverage Territory. The duration and extent of any one Loss Occurrence will be limited to all individual losses sustained by the Insured occurring during any period of 72 consecutive hours arising out of and directly caused by the same event,except: A. As regards Windstorm(including Tier 1 Counties),Hail or Tornado,including ensuing collapse and Water Damage: all individual losses sustained by the Insured occurring during any period of g6 consecutive hours arising out of and directly caused by the same event. B. As regards the peril of Flood: all individual losses sustained by the Insured occurring during any period of 168 consecutive hours arising out of and directly caused by the peril of flood. C. As regards the perils of riot,strike or civil commotion,vandalism and malicious mischief, including losses from all other perils covered hereunder following as a result of the aforesaid perils: all losses or series of losses occurring during any period of 72 consecutive hours arising out of and directly caused by the same event.The maximum duration of 72 consecutive hours may be extended in respect of individual losses which occur beyond such 72 consecutive hours during the continued occupation of the Insured's premises by strikers,provided such occupation commenced during the aforesaid period. D. As regards the peril of Earth Movement,including losses from all other perils covered hereunder following as a result of Earth Movement:only those individual losses covered hereunder,which commence during the period of 168 consecutive hours,may be included in the Loss Occurrence. E. As regards the peril of freeze: only those individual losses directly caused by collapse,breakage of glass,water and/or liquid damage due to burst pipes tanks or pressure vessels; damage to machinery or equipment,stock and/or work in progress due to freeze; and/or individual losses arising directly out of the lack of supply of power,current,coolant and/or fuel due to frozen pipes and/or frozen feed lines may be included in the Loss Occurrence. Page 1 of 2 Name of Insured:Colorado Counties Casualty and Property Pool Policy Term:January 1,2021 to January 1,2022 Except for those Loss Occurrences referred to in sub-paragraphs A. and B.above,the Insured may chose the date and time when such period of consecutive hours commences,provided that it is not earlier than the date and time of the occurrence of the first recorded individual loss sustained by the Insured arising out of that disaster,accident or loss and provided that only one such period of consecutive hours will apply with respect to one event. However,as respects those Loss Occurrences referred to in sub-paragraphs A.and B.above,if the disaster,accident or loss occasioned by the event is of greater duration than the specified period of consecutive hours,then the Insured may divide that disaster,accident or loss into two or more Loss Occurrences,provided no two periods overlap and no individual loss is included in more than one such period and provided that no period commences earlier than the date and time of the occurrence of the first recorded individual loss sustained by the Insured arising from that disaster,accident or loss. However,we shall not be liable hereunder for any loss or damage: a) Occurring before this policy becomes effective; or b) Arising from an"occurrence"which is in progress at the time this policy becomes effective, even if such loss or damage occurs after this policy becomes effective; or c) Occurring after the expiration of this policy, except loss or damage arising from an"occurrence"in progress at the time this policy expires. This provision in no way alters any Policy Limit of Liability or Sub-limit of Liability. All other terms and conditions remain unchanged. Page 2 of 2 Name of Insured:Colorado Counties Casualty and Property Pool Policy Term:January 1,2021 to January 1,2022 ADDITIONAL POLICY CONDITIONS ENDORSEMENT Named Insured Endorsement Number Colorado Counties Casualty and Property Pool Policy Symbol Policy Number Policy Period Effective Date of Endorsement FS PWo33oo21 1/1/2021 to 1/1/2022 Issued By(Name of Insurance Company) Lloyds of London Insert the policy number.The remainder of the information is to be completed only when this endorsement is issued subsequent to the preparation of the policy. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. It is understood and agreed that the following provisions supersede any term, condition,provision or endorsement found elsewhere in the coverage form that is in conflict herewith, and that the following provisions will apply notwithstanding any such contrary term,provision or endorsement. LENDERS AND MORTGAGEES The Lender Loss Payable clause, Mortgageholder clause, or any clause whereby a lender or mortgagee is granted rights and privileges under this Policy, if any, shall not apply to any lender or mortgagee unless such lender or mortgagee is identified by endorsement to this Policy prior to the date of loss. LAW IN FORCE AT TIME OF LOSS If the coverage form provides coverage for Demolition and Increased Cost of Construction,Ordinance or Law,or any other coverage for loss arising out of the enforcement of any law, this Policy shall only provide such coverage as respects a law,ordinance,or regulation that was in force at the time of loss. NO WAIVER Any Full Waiver clause, Waiver of Conditions clause, or any clause whereby the Company is deemed to waive, or whereby the coverage form purports to void or alter the force, effect or meaning of, the Company's forms or endorsements issued as part of this Policy is hereby deleted. SUIT AGAINST THE COMPANY No suit, action, or proceeding for the recovery of any claim under this Policy will be sustainable in any court unless the Insured has fully complied with all the provisions of this Policy and legal action is started within twenty- four(24)consecutive calendar months after inception of the loss. If, under the applicable insurance laws, such 24-month limitation is invalid, then any such legal action must be started within the shortest limit of time permitted by such laws. LOSS PAYABLE Loss,if any,will be adjusted with and payable to the First Named Insured or as may be directed by the First Named Insured.Additional insured interests will also be included in loss payment as their interest may appear when named as additional named insured,lender,mortgagee and/or loss payee in endorsements to this Policy. ABANDONMENT There can be no abandonment of any property to the Company. Page 1 of 2 Name of Insured:Colorado Counties Casualty and Property Pool Policy Term:January 1,2021 to January 1,2022 LIBERALIZATION Any liberalization clause found in the coverage form,or any clause of the coverage form whereby the terms and conditions of this Policy are deemed automatically revised in conformity with any change in the coverage form,is hereby deleted. All other terms and conditions remain unchanged. Page 2 of 2 Name of Insured:Colorado Counties Casualty and Property Pool Policy Term:January 1,2021 to January 1,2022 NUCLEAR, BIOLOGICAL, CHEMICAL, RADIOLOGICAL EXCLUSION ENDORSEMENT Named Insured Endorsement Number Colorado Counties Casualty and Property Pool Policy Symbol Policy Number Policy Period Effective Date of Endorsement FS PWo33oo2l 1/1/2021 to 1/1/2022 Issued By(Name of Insurance Company) Lloyds of London THIS ENDORSEMENT CHANGES YOUR POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the following: BOILER AND MACHINERY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART The following exclusions are added to your Policy or Coverage Part. This insurance does not apply to: A. Loss or damage arising directly or indirectly from B. Loss or damage arising directly or indirectly from the nuclear detonation, reaction, nuclear radiation or dispersal, application or release of, or exposure to, radioactive contamination, all whether controlled or chemical, radiological, or biological materials or uncontrolled, or due to any act or condition incident agents, all whether controlled or uncontrolled, or due to any of the foregoing, whether such loss be direct to any act or condition incident to any of the foregoing, or indirect, proximate or remote, or be in whole or in whether such loss be direct or indirect, proximate or part caused by, contributed to, or aggravated by, remote,or be in whole or in part caused by,contributed any physical loss or damage insured against by this to, or aggravated by, any physical loss or damage Policy or Coverage Part, however such nuclear insured against by this Policy or Coverage Part, detonation, reaction, nuclear radiation or radioactive however such dispersal, application, release or contamination may have been caused. This exposure may have been caused. exclusion replaces any other nuclear detonation, nuclear reaction, nuclear radiation or radioactive C. If this endorsement is attached to a Commercial Inland contamination exclusions found elsewhere in this Marine Policy or Coverage Part, the term loss or Policy. damage is changed to Loss. Name of Insured:Colorado Counties Casualty and Property Pool Policy Term:January 1,2021 to January 1,2022 ASBESTOS MATERIAL EXCLUSION (Named Peril Exception) Named Insured Endorsement Number Colorado Counties Casualty and Property Pool Policy Symbol Policy Number Policy Period Effective Date of Endorsement FS PWo33oo21 1/1/2021 to 1/1/2022 Issued By(Name of Insurance Company) Lloyds of London Insert the policy number.The remainder of the information is to be completed only when this endorsement is issued subsequent to the preparation of the policy. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THIS ENDORSEMENT MODIFIES INSURANCE PROVIDED UNDER THE FOLLOWING: COMMERCIAL PROPERTY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART The following exclusion is added to this policy; supersedes any term,provision or endorsement to the contrary in this policy; and applies notwithstanding such term,provision or endorsement: A.This policy excludes loss or damage to asbestos,asbestos-containing product,or asbestos-containing material. B.This policy does not provide insurance against any loss,damage,cost, expense,fine or penalty resulting from or arising out of: 1. remediation of any kind, including but not limited to removal or modification, of any asbestos, asbestos- containing product, or asbestos-containing material from a building or structure of any kind, whether damaged or undamaged, and regardless of the reason such removal is undertaken, whether voluntary or compelled by government directive; or 2. the demolition or increased cost of reconstruction of property,the repair of property,the removal of debris, or the loss of use of property when caused by, arising out of, or undertaken due to the enforcement of any law, regulation, rule or ordinance that in any manner regulates asbestos, asbestos-containing product, or asbestos-containing material, except to the extent that coverage is provided by the Demolition and Increased Cost of Construction Additional Coverage; or 3. any fault in the design, manufacture, or installation of asbestos, asbestos-containing product, or asbestos- containing material. C. Notwithstanding the exclusions set forth above, this Policy covers direct physical loss or damage to asbestos, asbestos-containing product,and asbestos-containing material which is physically incorporated into an insured building or structure, including the necessary costs to remove or remediate such damaged asbestos, but only when such damage occurring during the policy period is directly and solely caused by the following perils, and then only that part of such asbestos which incurs direct physical loss or damage: fire,lightning,explosion,windstorm,hail,smoke, aircraft or vehicle impact,riot or civil commotion, vandalism,malicious mischief or accidental discharge of fire protective equipment. All other terms and conditions remain unchanged. Page 1 of 1 Name of Insured:Colorado Counties Casualty and Property Pool Policy Term:January 1,2021 to January 1,2022 PERMISSION FOR EXCESS INSURANCE Named Insured Endorsement Number Colorado Counties Casualty and Property Pool Policy Symbol Policy Number Policy Period Effective Date of Endorsement FS PWo33oo2l 1/1/2021 to 1/1/2022 Issued By(Name of Insurance Company) Lloyds of London THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THIS ENDORSEMENT MODIFIES INSURANCE PROVIDED UNDER THE FOLLOWING: COMMERCIAL PROPERTY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART In consideration of the rate and premium for which this policy is written, the following additional provisions are hereby made a part of this policy superseding any provisions to the contrary: 1. EXCESS INSURANCE: Permission is hereby granted to purchase insurance in excess of the Limit of Liability stated in this policy. Such excess insurance shall not be considered other insurance for the purposes of the Other Insurance clause. 2. SALVAGE AND RECOVERIES: This clause is amended to include the following: When, in connection with any loss hereunder, any salvage or recovery is received subsequent to the payment of such loss, the loss shall be figured on the basis on which it would have been settled had the amount of salvage or recovery been known at the time the loss was originally determined. Any amount thus found to be due either party from the other shall be paid promptly. The expense of all proceedings necessary to such recoveries shall be apportioned between the interests concerned in the ratio of their respective recoveries as finally settled. If there should be no recovery and proceedings are conducted solely by this Company, the expense thereof shall be borne by this Company. All other terms and conditions of the policy remain unchanged. Name of Insured:Colorado Counties Casualty and Property Pool Policy Term:January 1,2021 to January 1,2022 PROPERTY CYBER AND DATA ENDORSEMENT Named Insured Endorsement Number Colorado Counties Casualty and Property Pool Policy Symbol Policy Number Policy Period Effective Date of Endorsement FS PWo33oo21 1/1/2021 to 1/1/2022 Issued By(Name of Insurance Company) Lloyds of London THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. 1 Notwithstanding any provision to the contrary within this Policy or any endorsement thereto this Policy excludes any: 1.1 Cyber Loss, unless subject to the provisions of paragraph 2; 1.2 loss, damage, liability, claim, cost, expense of whatsoever nature directly or indirectly caused by, contributed to by, resulting from, arising out of or in connection with any loss of use, reduction in functionality, repair, replacement, restoration or reproduction of any Data, including any amount pertaining to the value of such Data, unless subject to the provisions of paragraph 3; regardless of any other cause or event contributing concurrently or in any other sequence thereto. 2 Subject to all the terms, conditions, limitations and exclusions of this Policy or any endorsement thereto, this Policy covers physical loss or physical damage to property insured under this Policy caused by any ensuing fire or explosion which directly results from a Cyber Incident, unless that Cyber Incident is caused by, contributed to by, resulting from, arising out of or in connection with a Cyber Act including, but not limited to, any action taken in controlling, preventing, suppressing or remediating any Cyber Act. 3 Subject to all the terms, conditions, limitations and exclusions of this Policy or any endorsement thereto, should Data Processing Media owned or operated by the Insured suffer physical loss or physical damage insured by this Policy,then this Policy will cover the cost to repair or replace the Data Processing Media itself plus the costs of copying the Data from back-up or from originals of a previous generation. These costs will not include research and engineering nor any costs of recreating, gathering or assembling the Data. If such media is not repaired, replaced or restored the basis of valuation shall be the cost of the blank Data Processing Media. However, this Policy excludes any amount pertaining to the value of such Data, to the Insured or any other party, even if such Data cannot be recreated, gathered or assembled. 4 In the event any portion of this endorsement is found to be invalid or unenforceable, the remainder shall remain in full force and effect. 5 This endorsement supersedes and, if in conflict with any other wording in the Policy or any endorsement thereto having a bearing on Cyber Loss, Data or Data Processing Media, replaces that wording. Definitions 6 Cyber Loss means any loss, damage, liability, claim, cost or expense of whatsoever nature directly or indirectly caused by, contributed to by, resulting from, arising out of or in connection with any Cyber Act or Cyber Incident including, but not limited to, any action taken in controlling, preventing, suppressing or remediating any Cyber Act or Cyber Incident. 7 Cyber Act means an unauthorised, malicious or criminal act or series of related unauthorised, malicious or criminal acts, regardless of time and place, or the threat or hoax thereof involving access to, processing of, use of or operation of any Computer System. 8 Cyber Incident means: 8.1 any error or omission or series of related errors or omissions involving access to, processing of, use of or operation of any Computer System; or 8.2 any partial or total unavailability or failure or series of related partial or total unavailability or failures to access, process, use or operate any Computer System. Name of Insured:Colorado Counties Casualty and Property Pool Policy Term:January 1,2021 to January 1,2022 9 Computer System means: 9.1 any computer, hardware, software, communications system, electronic device(including, but not limited to, smart phone, laptop, tablet, wearable device), server, cloud or microcontroller including any similar system or any configuration of the aforementioned and including any associated input, output, data storage device, networking equipment or back up facility, owned or operated by the Insured or any other party. 10 Data means information, facts, concepts, code or any other information of any kind that is recorded or transmitted in a form to be used, accessed, processed, transmitted or stored by a Computer System. 11 Data Processing Media means any property insured by this Policy on which Data can be stored but not the Data itself. LMA5400 11 November 2019 Page 2 of 2 Name of Insured:Colorado Counties Casualty and Property Pool Policy Term:January 1,2021 to January 1,2022 POLICYHOLDER NOTIFICATION NEWLY ACQUIRED OR CONSTRUCTED PROPERTY New location(s)added to this Policy may be subject to separate rating and/or may require a higher deductible(s). Page 1 of 1 Name of Insured:Colorado Counties Casualty and Property Pool Policy Term:January 1,2021 to January 1,2022 COLORADO FRAUD STATEMENT It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company.Penalties may include imprisonment,fines,denial of insurance, and civil damages.Any insurance company or agent of an insurance company who knowingly provides false, incomplete, or misleading facts or information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the Colorado division of insurance within the department of regulatory agencies. Name of Insured:Colorado Counties Casualty and Property Pool Policy Term:January 1,2021 to January 1,2022 IL P 001 01 04 U.S. TREASURY DEPARTMENT'S OFFICE OF FOREIGN ASSETS CONTROL ("OFAC") ADVISORY NOTICE TO POLICYHOLDERS No coverage is provided by this Policyholder Notice nor can it be construed to replace any provisions of your policy. You should read your policy and review your Declarations page for complete information on the coverages you are provided. This Notice provides information concerning possible impact on your insurance coverage due to directives issued by OFAC. Please read this Notice carefully. The Office of Foreign Assets Control (OFAC)administers and enforces sanctions policy, based on Presidential declarations of"national emergency". OFAC has identified and listed numerous: • Foreign agents; • Front organizations; • Terrorists; • Terrorist organizations; and • Narcotics traffickers; as "Specially Designated Nationals and Blocked Persons". This list can be located on the United States Treasury's web site—http//www.treas.gov/ofac. In accordance with OFAC regulations, if it is determined that you or any other insured, or any person or entity claiming the benefits of this insurance has violated U.S. sanctions law or is a Specially Designated National and Blocked Person, as identified by OFAC, this insurance will be considered a blocked or frozen contract and all provisions of this insurance are immediately subject to OFAC.When an insurance policy is considered to be such a blocked or frozen contract, no payments nor premium refunds may be made without authorization from OFAC. Other limitations on the premiums and payments also apply. Name of Insured:Colorado Counties Casualty and Property Pool Policy Term:January 1,2021 to January 1,2022 Business Interruption Extension In consideration of the premium paid, and subject to the EXCLUSIONS, CONDITIONS AND LIMITATIONS of the Policy to which this Extension is attached, and also to the FOLLOWING ADDITIONAL CONDITIONS, EXCLUSIONS AND LIMITATIONS,this Policy is extended to cover loss resulting from necessary Interruption of Business caused by Direct Physical Loss or Damage, as covered by the Policy to which this Extension is attached, to the Property Insured. In the event of such Direct Physical Loss or Damage, the Underwriters shall be liable for the actual loss sustained by the Insured resulting directly from such necessary Interruption of Business, but not exceeding the reduction in Gross Earnings, as defined hereafter, less charges and expenses which are not necessary during the Interruption of Business, for a period not to exceed the lesser of:- a) such length of time as would be required, with the exercise of due diligence and dispatch, to repair, rebuild or replace such part of the property as has been destroyed or damaged, or b) eighteen (18) calendar months, commencing with the date of such Direct Physical Loss or Damage and not limited by the expiration of this Policy. Extended Period of Indemnity: The period described above shall include such length of time, not to exceed one hundred and eighty (180) days, to restore the Insured's business to the condition that would have existed had no Direct Physical Loss or Damage occurred commencing with the later of the following dates: i) The date on which the liability of the Underwriters for Direct Physical Loss or Damage would otherwise terminate; and ii) The date on which the repair, rebuilding or replacement of such part of the property as has been destroyed or damaged is actually completed. Due consideration shall be given to the continuation of normal charges and expenses, including payroll expenses (but limited to ninety (90) days in respect of Ordinary Payroll), to the extent necessary to resume operations of the Insured with the same operational capability as existed immediately before the Direct Physical Loss or Damage. CONDITIONS 1. Direct Loss or Damage No claim shall be payable under this Extension unless and until a claim has been paid, or liability admitted, in respect of Direct Physical Loss or Damage to Property Insured under the Policy to which this Extension is attached and which gave rise to Interruption of Business. This Condition shall not apply if no such payment shall have been made, or liability admitted, solely owing to the operation of a Deductible in said Policy which excludes liability for losses below a specified amount. 3. Resumption of Operations If the Insured could reduce the loss resulting from the Interruption of Business, a) by complete or partial resumption of operation of the property, and/or b) by making use of Merchandise, Stock (Raw, In Process or Finished), or any other property at the Insured's locations or elsewhere, Name of Insured:Colorado Counties Casualty and Property Pool Policy Term:January 1,2021 to January 1,2022 and/or c) by using or increasing operations elsewhere, then such possible reduction shall be taken into account in arriving at the amount of loss hereunder. 4. Expenses to reduce Loss This Extension also covers such expenses as are necessarily incurred for the purpose of reducing loss under this Extension (except expenses incurred to extinguish a fire), and, in respect of manufacturing risks, such expense, in excess of Normal, as would necessarily be incurred in replacing any Finished Stock used by the Insured to reduce loss under this Extension; but in no event to exceed the amount by which loss under this Extension is thereby reduced. Such expenses shall not be subject to the application of any contribution clause. EXCLUSIONS This Extension does not insure against:- 1. increase in loss resulting from interference at the insured premises, by strikers or other persons, with rebuilding, repairing or replacing the property or with the resumption or continuation of operation; 2. increase in loss caused by the suspension, lapse, or cancellation of any lease, licence, contract, or order, unless such results directly from the insured Interruption of Business, and then Underwriters shall be liable for only such loss as affects the Insured's earnings during, and limited to, the period of indemnity covered under this Policy; 3. increase in loss caused by the enforcement of any ordinance or law regulating the use, reconstruction, repair or demolition of any property insured hereunder; 4. loss of market or any other consequential loss. LIMITATIONS 1. The Underwriters shall not be liable for more than the smaller of either:- a) any specific Business Interruption Sublimit stated in the Policy, or b) the Policy Limit of Liability stated in the Policy, where such includes Business Interruption, if such is a combined limit, in respect of such loss, regardless of the number of locations suffering an interruption of business as a result of any one occurrence. 2. With respect to loss resulting from damage to or destruction of media for, or programming records pertaining to, electronic data processing or electronically controlled equipment, by the perils insured against, the length of time for which the Underwriters shall be liable hereunder shall not exceed:- a) thirty (30) consecutive calendar days or the time required with exercise of due diligence and dispatch to reproduce the data thereon from duplicates or from originals of the previous generation, whichever is less; or, b) the length of time that would be required to rebuild, repair or replace such other property herein described as has been damaged or destroyed, but not exceeding eighteen (18) calendar months, whichever is the greater length of time. Name of Insured:Colorado Counties Casualty and Property Pool Policy Term:January 1,2021 to January 1,2022 DEFINITIONS 1. Gross Earnings are for the assessment of premium and for adjustment in the event of loss defined as, The sum of:- a) total net sales value of production or sales of Merchandise, and b) other earnings derived from the operations of the business, less the cost of c) Raw Stock from which production is derived, d) supplies consisting of materials consumed directly in the conversion of such Raw Stock into Finished Stock, or in supplying the services sold by the Insured, e) Merchandise sold including packaging materials therefor, f) materials and supplies consumed directly in supplying the service(s)sold by the Insured, g) service(s) purchased from outsiders (not employees of the Insured) for resale which do not continue under contract, h) the difference between the cost of production and the nett selling price of Finished Stock which has been sold but not delivered. No other costs shall be deducted in determining Gross Earnings. In determining Gross Earnings due consideration shall be given to the experience of the business before the date of Direct Physical Loss or Damage and the probable experience thereafter had Direct Physical Loss or Damage not occurred. 2. Raw Stock Material in the state in which the Insured receives it for conversion into Finished Stock. 3. Stock in Process Raw Stock which has undergone any ageing, seasoning, mechanical or other process of manufacture at the Insured's premises but which has not become Finished Stock. 4. Finished Stock Stock manufactured by the Insured which in the ordinary course of the Insured's business is ready for packing, shipment or sale. 5. Merchandise Goods kept for sale by the Insured which are not the product of manufacturing operations conducted by the Insured. 6. Normal The condition that would have existed had no Direct Physical Loss or Damage occurred. 7. Ordinary Payroll Name of Insured:Colorado Counties Casualty and Property Pool Policy Term:January 1,2021 to January 1,2022 The entire payroll expense for all employees of the Insured except officers, executives, department managers, and other employees under contract. LMA5039 (Amended) 14/12/2005 Name of Insured:Colorado Counties Casualty and Property Pool Policy Term:January 1,2021 to January 1,2022 DEBRIS REMOVAL ENDORSEMENT THIS ENDORSEMENT CONTAINS PROVISIONS WHICH MAY LIMIT OR PREVENT RECOVERY UNDER THIS POLICY FOR LOSS WHERE COSTS OR EXPENSES FOR DEBRIS REMOVAL ARE INCURRED. Nothing contained in this Endorsement shall override any Seepage and/or Pollution and/or Contamination Exclusion or any Radioactive Contamination Exclusion or any other Exclusion applicable to this Policy. Any provision within this Policy (or within any other Endorsement which forms part of this Policy)which insures debris removal is cancelled and replaced by the following: 1. In the event of direct physical damage to or destruction of property, for which Underwriters hereon agree to pay, or which but for the application of a deductible or underlying amount they would agree to pay(hereinafter referred to as'Damage or Destruction'), this Policy also insures, within the sum insured, subject to the limitations and method of calculation below, and to all the other terms and conditions of the Policy, costs or expenses; (a) which are reasonably and necessarily incurred by the Assured in the removal, from the premises of the Assured at which the Damage or Destruction occurred, of debris which results from the Damage or Destruction; and (b) of which the Assured becomes aware and advises the amount thereof to Underwriters hereon within one year of the commencement of such Damage or Destruction. 2. In calculating the amount, if any, payable under this Policy for loss where costs or expenses for removal of debris are incurred by the Assured (subject to the limitations in paragraph 1 above): (a) the maximum amount of such costs or expenses that can be included in the method of calculation set out in (b) below shall be the greater of US$25,000 (twenty-five thousand dollars) or 10% (ten percent) of the amount of the Damage or Destruction from which such costs or expenses result; and (b) the amount of such costs or expenses as limited in (a)above shall be added to: (i) the amount of the Damage or Destruction; and (ii) all other amounts of loss, which arise as a result of the same occurrence, and for which Underwriters hereon also agree to pay, or which but for the application of a deductible or underlying amount they would agree to pay; and the resulting sum shall be the amount to which any deductible or underlying amount to which this Policy is subject and the limit(or applicable sub-limit)of this Policy, shall be applied. NMA2343 24/11/1988 Name of Insured:Colorado Counties Casualty and Property Pool Policy Term:January 1,2021 to January 1,2022 SANCTION LIMITATION AND EXCLUSION CLAUSE No (re)insurer shall be deemed to provide cover and no (re)insurer shall be liable to pay any claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose that(re)insurer to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom or United States of America. LMA3100 15 September 2010 WAR AND TERRORISM EXCLUSION ENDORSEMENT Notwithstanding any provision to the contrary within this insurance or any endorsement thereto it is agreed that this insurance excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any of the following regardless of any other cause or event contributing concurrently or in any other sequence to the loss; (1) war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power; or (2) any act of terrorism. For the purpose of this endorsement an act of terrorism means an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organisation(s)or government(s), committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear. This endorsement also excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or in any way relating to(1)and/or(2)above. If the Underwriters allege that by reason of this exclusion, any loss, damage, cost or expense is not covered by this insurance the burden of proving the contrary shall be upon the Assured. In the event any portion of this endorsement is found to be invalid or unenforceable, the remainder shall remain in full force and effect. NMA2918 08/10/2001 Name of Insured:Colorado Counties Casualty and Property Pool Policy Term:January 1,2021 to January 1,2022 Insurer Authorized Document of Insurance ( lAD (Lloyds & Companies) Policy Number: PW0330021 Insured: Colorado Counties Casualty and Property Pool Period: From: 1st January 2020 To: 1st January 2021 Sum Insured Primary $25,000,000 Gallagher Insurance Risk Management Consulting Gallagher Gir,x i',7 7,7-1t m r[ rn'7cu This Insurance is effected with certain Underwriters at Lloyd's, London (not incorporated) and certain Companies. In this document these Underwriters and Companies will hereinafter be referred to as "the Insurers". The Insurers hereby agree in consideration of payment to them of the premium specified herein by or on behalf of the Insured, to insure against loss, including but not limited to associated expenses specified herein, if any, to the extent and in the manner provided in this Document of Insurance. The Security Details contained in this document state which Insurers are party to this contract and defines their several (not joint) liability. It should be noted that if the attached wordings and endorsements refer to 'the Assured' it is deemed to mean 'the Insured'. It is noted that if there are references in the attached wordings and endorsements to `Underwriters' it is deemed to mean 'the Insurers'. It is further noted that if there are references to 'this policy' in the attached wordings and endorsements it is deemed to mean 'this Document of Insurance'. If any terms, clauses or conditions are unclear you are advised to contact your broker immediately. Broker : Arthur J.Gallagher The Walbrook Building 25 Walbrook, London EC4N 8AW United Kingdom. Property Division : +44(0) 207204 6000 Claims Division : +44(0) 207204 6119 s DUTY OF FAIR PRESENTATION We have set out below the applicable duty of disclosure that you have as regards insurers, where your policy is governed by the laws of England, Wales,Scotland, and Northern Ireland. You are required to make a fair presentation of the risk to Insurers which discloses every material circumstance which you know or ought to know relating to the risk to be insured. A circumstance is material if it would influence the judgment of a prudent insurer in determining whether to provide insurance for the risk and, if so, on what terms. What you know:You will be expected to know any information which is known by individuals who are: (a) part of your senior management (i.e. individuals who play a significant role in the making of decisions about how your activities are to be managed or organised); (b) responsible for arranging your insurance (i.e. individuals who participate on your behalf in the process of procuring your insurance in any capacity). What you ought to know: In addition,you are expected to know any information that should reasonably have been revealed by a reasonable search of information available to you (whether the search is conducted by making enquiries or by other means). This could include any information held within your organisation or by any other person. Clear and Accessible disclosure:The disclosure you give must be made in a manner which would be reasonably clear and accessible to a prudent insurer. Every material representation of a matter of fact which you make must be substantially correct and every material representation as to a matter of expectation or belief must be made in good faith. Failure to comply with the duty of fair presentation could mean that the policy is void or that Insurers are not liable to pay all or part of your claim(s). If you are in any doubt as to what may constitute a fair presentation, please feel free to contact us and we will endeavour to assist you. If your policy is not subject to English law you are expected to disclose risk information in accordance with the requirements of the applicable law. In such circumstances we expect you will disclose risk information at least equal to the standard required under English law and where the applicable law requires you to disclose information over and above the level required under English law you will provide such information in accordance with that law. INSURER AUTHORIZED DOCUMENT OF INSURANCE CONTENTS PAGE SECTION I -RISK DETAILS 2 SECTION II - INFORMATION 5 SECTION III - SECURITY DETAILS 7 SECTION IV - CONTRACT ADMINISTRATION AND ADVISORY SECTIONS 10 SECTION V - FISCAL AND REGULATORY SECTION 13 SECTION VI - BROKER REMUNERATION AND DEDUCTIONS SECTION 14 SECTION VII - THE WORDING 15 SECTION VIII - SUPPLEMENTAL CLAUSES 17 Placed by: CT) Gallagher 1262 Risk Placement Services, Inc. AJG MARKET REFORM CONTRACT UMR: B1262PW0330021 SECTION I -RISK DETAILS UNIQUE MARKET REFERENCE: B1263PW0330021 TYPE: Risks of Direct Physical Loss or Damage Including Flood, Earthquake and Equipment Breakdown. INSURED: Colorado Counties Casualty and Property Pool and its affiliated, subsidiary, and associated companies and/or corporations and the insured's interest in partnerships and joint ventures as now exist or may hereafter be constituted or acquired and any party in interest which the insured is responsible to insure. ADDRESS: C/O CTSI 800 Grant ST, Suite 400 Denver, CO 80203 PERIOD: From: 1st January 2021 To: 1st January 2022 Beginning and ending at 12:01 a.m. Local Standard Time at the location of the property insured. INTEREST: Real and Personal Property as described in the Policy Wording and as declared to the Underwriters. TIME ELEMENT: Business Interruption as described in the Policy Wording and as declared to the Underwriters. SUM INSURED: Subject to the `Order Hereon' stated in SECTION III - SECURITY DETAILS, the Limits of Underwriters' Liability shall be the following Limit(s) of Liability. Limit(s) of Liability: USD 25,000,000 ultimate net loss each occurrence, USD 25,000,000 ultimate net loss each occurrence and in the aggregate any one policy year in respect of the peril of Flood, and USD 25,000,000 ultimate net loss each occurrence and in the aggregate any one policy year in respect of the peril of Earthquake. DEDUCTIBLES: All Other Perils: USD 150,000 per occurrence for loss from All Perils except: Windstorm/ Hail: 2% Per Building/Structure of the sum of all values listed in the most recent Schedule of Values on file with the Company for each separately identifiable building or structure that has sustained a loss or damage and for which a claim is being made under this policy; subject to the minimum deductible of USD 1,000,000 per occurrence. This is a non admitted carrier. To Report a Loss It is the responsibility of RPS •Dial toll-free#1 (844)777-8323 or visit ourC Gallagher 1262 to arrange for the filing and •Website https://my.rpsins.com/claimsfnol AJG, paying of surplus lines tax •Contact Insurer directly(see policy section) MARKET REFORM CONTRACT UMR: B1262PW0330021 DEDUCTIBLES Continued: Flood-SFHA/100 Year Flood: 2% of the total insurable value at each covered location (including 12 months loss of income/extra expense if covered) involved in the loss as of the date of loss; subject to a minimum of USD 1,000,000 per occurrence. Time Element: 24 Hours Service Interruption All as more fully stated in the Policy Wording and as declared to the Underwriters. NOTICES: NOT APPLICABLE As attached in SECTION VIII -SUPPLEMENTAL CLAUSES TERRITORY: United States of America, its territories, possessions and Canada. CONDITIONS: As per Wording attached SECTION VII. SUPPLEMENTAL CLAUSES: as attached SECTION VIII including:- WEH Asbestos Endorsement (1994) -518ARM00210 Biological or Chemical Materials Exclusion - NMA2962 Radioactive Contamination Exclusion Clause - Physical Damage - Direct(U.S.A.)—NMA 1191 War and Terrorism Exclusion Endorsement- NMA2918 U.S. Terrorism Risk Insurance Act Of 2002 As Amended Not Purchased Clause - LMA5390 Fraudulent Conduct and Misrepresentation Clause - LMA5120 Application of Sublimits Endorsement— LMA5130 Sanction Limitation and Exclusion Clause LMA3100 Inadvertent Errors and Omissions Clause Extension of Coverage—Miscellaneous Unnamed Location Off Premises Utilities' Services Clause (Business Interruption) - LMA5041 (amended) Ingress/Egress Extension (Business Interruption)— LMA 5164 Civil or Military Authority Extension (Business Interruption)— LMA5161 Business Interruption Extension— LMA 5039 (amended) Property Cyber and Data Endorsement— LMA5400 Communicable Disease Endorsement— LMA5393 Debris Removal Endorsement— LMA 2343 CHOICE OF LAW &JURISDICTION: Law: State of Colorado, United States of America. Jurisdiction: United States of America per the LMA5020 Service of Suit Clause. LMA 5020 Service of Suit Clause naming Lloyd's America, Inc., Attention: Legal Department, 280 Park Avenue, East Tower, 25th Floor, New York, NY 10017 C,) Gallagher 1262 AJG MARKET REFORM CONTRACT UMR: B1262PW0330021 PREMIUM: Material Damage/Time Element USD 2,500,000 (100%)Annual. (Hereon USD 750,000 for 30% order) PREMIUM PAYMENT TERMS: Premium Payment Condition (Time On Risk)4/86 It is a condition of this contract of Insurance that the premium due at inception must be paid to and received by Insurers on or before midnight on 16th February 2021 If this condition is not complied with, then this contract of Insurance shall terminate on the above date with the Insured hereby agreeing to pay premium calculated at not less than pro rata temporis. TAXES PAYABLE BY INSURED AND ADMINISTERED BY INSURER(S): Nil INSURER CONTRACT DOCUMENTATION: This document details the contract terms entered into by the Insurer(s), and constitutes the contract document This Contract is subject to U.S. State Surplus Lines requirements. It is the responsibility of the surplus lines broker to affix a surplus lines notice to the contract document before it is provided to the Insured. In the event that the surplus lines notice is not affixed the contract document the Insured should contact the surplus lines broker. C,) Gallagher 1262 AJG MARKET REFORM CONTRACT UMR: B1262PW0330021 SECTION II - INFORMATION The following Information was provided to Insurer(s) to support the assessment of the risk at the time of underwriting: Information per Presentation which held on Arthur J Gallagher. file and available on request, and which noted and agreed by Insurer(s). Total Declared Values: USD 2,960,088,209 Approximate breakdown of values as per Schedule contained within Submission which noted and agreed by Insurer(s). Loss record (as advised to Arthur J Gallagher. contained within Submission which noted and agreed by Insurer(s). Program Limits USD 50,000,000 In the aggregate annually as respects Earthquake Loss USD 5,000,000 In the aggregate as respects any Flood loss in Zones A, AO, AE, AH, A1-30, A99, AR USD 50,000,000 In the Aggregate as respects all other Flood loss USD 50,000,000 In the aggregate annually for all Flood losses combined USD 25,000,000 Newly acquired property any one Occurrence — 90 Days; coverage ceases if the newly acquired property is not reported within 90 days from the date of acquisition USD 250,000 Accounts Receivable USD 5,000,000 Builders risks, renovations, repairs made by the Insured at any location (including new locations with total contract cost under$5,000,000) within the territorial limits of the policy, any one occurrence USD 8,071,695 Builders risks, renovations, repairs made by the Insured at any location (including new locations with total contract cost under$8,071,695) within the territorial limits of the policy, any one occurrence in respect of the Following location only: Ouray County Builders Risk Project-541 4TH,OURAY, CO 81427 USD 1,000,000 Builders Risk Soft Costs/Additional Expenses per Company Endorsement; USD 50,000 Unscheduled Locations USD 500,000 Business Interruption with 90 Day Ordinary Payroll Limitation; and 180 Days Extended Period of Indemnity USD 250,000 Civil Authority—4 Weeks Maximum USD 250,000 Ingress/Egress—4 Weeks Maximum USD 1,000,000 Unnamed Location, any one occurrence. USD 100,00 Personal Property of Employees at a described location USD 50,000 Personal Property of Others while on the Insured's property USD 10,000,000 Ordinance or Law USD 10,000,000 Extra Expense USD 1,000,000 Expediting Expense USD 1,000,000 Property in Transit USD 10,000,000 Contractors' Equipment subject to maximum USD 1,500,000 per item USD 5,000,000 Fine Arts subject to maximum USD 500,000 per item USD 1,000,000 Fire Fighting Materials USD 250,000 Furs, Jewelry, Precious Stones and Metals not used for industrial purposes USD 250,000 Loss Adjustment Expenses/Professional Services USD 10,000,000 Service Interruption subject to 24 hour waiting period and 5 mile distance limitation USD 1,000,000 Errors or Omissions USD 1,000,000 Vehicle Physical Damage—Over the Road 1,) Gallagher 1262 AJG MARKET REFORM CONTRACT UMR: B1262PW0330021 USD 25,000 in the Annual Aggregate Pollution Clean Up and Removal, each County listed as a Named Insured subject to a USD 1,500,000 Annual Aggregate for all USD 100,000 Limited Mold/Fungi/Wet& Dry Rot-Terms per Company Endorsement USD 100,000 Trees and Shrubs USD 10,000,000 Valuable Papers C,T)- Gallagher 1262 AJG MARKET REFORM CONTRACT UMR: B1262PW0330021 SECTION III - SECURITY DETAILS INSURER'S LIABILITY (RE)INSURERS LIABILITY CLAUSE (Re)insurer's liability several not joint The liability of a (re)insurer under this contract is several and not joint with other(re)insurers party to this contract. A(re)insurer is liable only for the proportion of liability it has underwritten. A (re)insurer is not jointly liable for the proportion of liability underwritten by any other(re)insurer. Nor is a (re)insurer otherwise responsible for any liability of any other(re)insurer that may underwrite this contract. The proportion of liability under this contract underwritten by a (re)insurer(or, in the case of a Lloyd's syndicate, the total of the proportions underwritten by all the members of the syndicate taken together) is shown next to its stamp. This is subject always to the provision concerning "signing" below. In the case of a Lloyd's syndicate, each member of the syndicate (rather than the syndicate itself) is a (re)insurer. Each member has underwritten a proportion of the total shown for the syndicate (that total itself being the total of the proportions underwritten by all the members of the syndicate taken together). The liability of each member of the syndicate is several and not joint with other members. A member is liable only for that member's proportion. A member is not jointly liable for any other member's proportion. Nor is any member otherwise responsible for any liability of any other(re)insurer that may underwrite this contract. The business address of each member is Lloyd's, One Lime Street, London EC3M 7HA. The identity of each member of a Lloyd's syndicate and their respective proportion may be obtained by writing to Market Services, Lloyd's, at the above address. Proportion of liability Unless there is "signing" (see below), the proportion of liability under this contract underwritten by each (re)insurer(or, in the case of a Lloyd's syndicate, the total of the proportions underwritten by all the members of the syndicate taken together) is shown next to its stamp and is referred to as its "written line". Where this contract permits, written lines, or certain written lines, may be adjusted ("signed"). In that case a schedule is to be appended to this contract to show the definitive proportion of liability under this contract underwritten by each (re)insurer(or, in the case of a Lloyd's syndicate, the total of the proportions underwritten by all the members of the syndicate taken together). C,T)- Gallagher 1262 AJG MARKET REFORM CONTRACT UMR: B1262PW0330021 A definitive proportion (or, in the case of a Lloyd's syndicate, the total of the proportions underwritten by all the members of a Lloyd's syndicate taken together) is referred to as a "signed line". The signed lines shown in the schedule will prevail over the written lines unless a proven error in calculation has occurred. Although reference is made at various points in this clause to"this contract" in the singular, where the circumstances so require this should be read as a reference to contracts in the plural. LMA3333 21 June 2007 ORDER HEREON: 30 `)/0 of 100% BASIS OF WRITTEN LINES: Percentage of Whole SIGNING PROVISIONS: In the event that the written lines hereon exceed 100% of the order, any lines written "to stand"will be allocated in full and all other lines will be signed down in equal proportions so that the aggregate signed lines are equal to 100% of the order without further agreement of any of the (re)insurers. However: a) in the event that the placement of the order is not completed by the commencement date of the period of insurance then all lines written by that date will be signed in full; b)the signed lines resulting from the application of the above provisions can be varied, before or after the commencement date of the period of insurance, by the documented agreement of the (re)insured and all (re)insurers whose lines are to be varied. The variation to the contracts will take effect only when all such (re)insurers have agreed, with the resulting variation in signed lines commencing from the date set out in that agreement. C,) Gallagher 1262 AJG MARKET REFORM CONTRACT UMR: B1262PW0330021 In a co-insurance placement, following (re)insurers may, but are not obliged to , follow the premium charged by the lead (re) insurer. (Re) insurers may not seek to guarantee for themselves terms as favourable as those which others subsequently achieve during the placement. WRITTEN LINES % In respect of electronic lines the Underwriter(s) agreement and participation to this Contract has been accepted upon the Lloyd's Placing Platform Limited (PPL) program. Confirmation of Underwriter(s) acceptance is noted within Market Submission - Security Details located on the final pages of this document. 1,) Gallagher 1262 AJG MARKET REFORM CONTRACT UMR: B1262PW0330021 SECTION IV- CONTRACT ADMINISTRATION AND ADVISORY SECTIONS SUBSCRIPTION AGREEMENT SECTION SLIP LEADER: AFB 623/2623 BASIS OF AGREEMENT TO CONTRACT CHANGES: GUA (version 2.0) February 2014 with Non-Marine Schedule October 2001 Final premium/going in values to be agreed Leading Underwriter only. Insurer(s) hereon agree to contribute to survey and valuation fees, as incurred. Agreement to net equivalent downwards (if required) is to be agreed by Slip Leader only. Extensions to Premium Payment Condition date to be agreed by Slip Leader only. Endorsements will be advised to the following market when necessary under the terms of this agreement by Arthur J Gallagher using Fax or email. OTHER AGREEMENT PARTIES FOR CONTRACT CHANGES, FOR PART 2 GUA CHANGES ONLY: Slip leader only to agree part two changes. AGREEMENT PARTIES FOR CONTRACT CHANGES, FOR THEIR PROPORTION ONLY, IF ANY: None BASIS OF CLAIMS AGREEMENT: Claims to be managed in accordance with: i)The Lloyd's Claims Scheme (Combined), or as amended or any successor thereto. (N.B. The applicable Scheme/part will be determined by the rules and scope of the Scheme(s)). ii) IUA claims agreement practices. iii)The practices of any company(ies)electing to agree claims in respect of their own participation. C,T)- Gallagher 1262 AJG MARKET REFORM CONTRACT UMR: B1262PW0330021 CLAIMS AGREEMENT PARTIES: i) For Lloyd's syndicates The leading Lloyd's syndicate and, where required by the applicable Lloyd's Claims Scheme, the second Lloyd's syndicate and/or the Scheme Service Provider. CLAIMS AGREEMENT PARTIES: The second Lloyd's Syndicate is APL 1969 (continued) ii)Those companies acting in accordance with the IUA claims agreement practices, excepting those that may have opted out via iii below. iii)Those companies that have specifically elected to agree claims in respect of their own participation. iv)All other subscribing insurers that are not party to the Lloyd's/IUA claims agreement practices, each in respect of their own participation. CLAIMS ADMINISTRATION: Broker to enter claims advices into the relevant market CLASS system. All Insurer(s) to use their respective market CLASS systems for claims agreements where available. E-mail to be used by Broker to Insurer(s) for distribution of claim file information in support of CLASS entry. Insurer(s)to respond to claims matters via CLASS if possible. RULES AND EXTENT OF ANY OTHER DELEGATED CLAIMS AUTHORITY: None EXPERT(S) FEES COLLECTION: Fees to be collected directly between Underwriters and Experts SETTLEMENT DUE DATE: 16th February 2021 BUREAUX ARRANGEMENTS: Insurer(s) authorise Xchanging Ins-sure Services Limited and/or Xchanging Claims Services Limited to take down additional premiums, return premium, non-premium endorsements and claims on photo-copies of Market Reform Contract, signing slip or full policy as applicable. LPSO/LPC/XIS are fully authorised to accept premium as advised by client, and processed by Arthur J Gallagher. including final stock/loss of profits, or other adjustments as applicable without prior agreement. Underwriters hereon agree accept premium and settle claims in US Dollars / Euro / Sterling as required, at rate of exchange at time of settlement from the client/cedant/ reinsured. Underwriters agree that the broker may release de-linked premium for this contract into settlement at different times. C,T)- Gallagher 1262 AJG MARKET REFORM CONTRACT UMR: B1262PW0330021 Agreed that if Premium Payment Condition is extended Terms of trade datc automatically extended to conform. Whenever a Premium Payment Condition due date falls on a weekend or public holiday it is agreed that the date is automatically carried forward to the first normal weekday thereafter. 1,) Gallagher 1262 AJG MARKET REFORM CONTRACT UMR: B1262PW0330021 SECTION V- FISCAL AND REGULATORY SECTION TAX PAYABLE BY INSURER(S): None COUNTRY OF ORIGIN: United States of America OVERSEAS BROKER: Risk Placement Services, Inc. 2400 Lakeview Pkwy Suite 675, Alpharetta, GA 30009 SURPLUS LINES BROKER: Joel Cavaness 2850 Golf Road, 5th Floor Rolling Meadows, IL 60008 License Number: 93325 STATE OF FILING: Colorado US CLASSIFICATION: Surplus Lines ALLOCATION OF PREMIUM TO CODING: 100% P2 REGULATORY CLIENT CLASSIFICATION: Large Risk REGULATORY RISK LOCATION: United States of America (Non EEA) 1,) Gallagher 1262 AJG MARKET REFORM CONTRACT UMR: B1262PW0330021 SECTION VI - BROKER REMUNERATION AND DEDUCTIONS SECTION FEE PAYABLE BY CLIENT?: NO TOTAL BROKERAGE: 13.5135% or Net equivalent downwards if required. OTHER DEDUCTIONS FROM PREMIUM: NIL 1,) Gallagher 1262 AJG MARKET REFORM CONTRACT UMR: B1262PW0330021 SECTION VII —THE WORDING Wording as agreed and on file with Syndicate AFB 2623/632 C,) Gallagher 1262 AJG MARKET REFORM CONTRACT UMR: B1262PW0330021 SECTION VIII -SUPPLEMENTAL CLAUSES Notwithstanding anything to the contrary contained herein, it is understood and agreed that this insurance is subject to the following clauses which are attached hereto:- No.1: WEH Asbestos Endorsement (1994) -518ARM00210 No.2; Service of Suit Clause (U.S.A.) - LMA5020 No.3: Biological or Chemical Materials Exclusion - NMA2962 No.4: Radioactive Contamination Exclusion Clause - Physical Damage - Direct(U.S.A.) - NMA1191 No.5: War and Terrorism Exclusion Endorsement- NMA2918 No.6: U.S. Terrorism Risk Insurance Act Of 2002 as Amended Not Purchased Clause No.7: Fraudulent Conduct and Misrepresentation Clause - LMA5120 No.8: Application of Sublimits Endorsement— LMA5130 No. 9 Sanction Limitation and Exclusion Clause— LMA3100 No. 10: Inadvertent Errors and Omissions Clause No. 11: Extension of Coverage—Miscellaneous Unnamed Location No. 12. Off Premises Utilities' Services Clause (Business Interruption) - LMA5041 (amended). No. 13: Ingress/Egress Extension (Business Interruption) No. 14: Civil or Military Authority Extension (Business Interruption) - LMA5161 No. 15: Business Interruption Extension - LMA5039 (amended) No. 16: Property Cyber and Data Endorsement— LMA 5400 No. 17: Communicable Disease Endorsement— LMA 5393 No.18: Debris Removal Endorsement— LMA 2343 C,T) Gallagher 1262 AJG MARKET REFORM CONTRACT UMR: B1262PW0330021 No. 1 WEH ASBESTOS ENDORSEMENT (1994) A. This Policy only insures asbestos physically incorporated in an insured building or structure, and then only that part of the asbestos which has been physically damaged during the policy period by one of these Listed Perils: Fire; Explosion; Lightning; Windstorm; Hail; Direct impact of vehicle, aircraft or vessel; Riot or civil commotion; vandalism or malicious mischief; or accidental discharge of fire protective equipment. This coverage is subject to all limitations in the Policy to which this Endorsement is attached and, in addition, to each of the following specific limitations: 1. The said building or structure must be insured under this Policy for damage by that Listed Peril. 2. The Listed peril must be the immediate, sole cause of the damage to the asbestos. 3. The Insured must report to Underwriters the existence and cost of the damage as soon as practicable after the Listed Peril first damaged the asbestos. However this policy does not insure any such damage first reported to Underwriters more than 12 (twelve) months after the expiration, or termination, of the policy. 4. Insurance under this Policy in respect of asbestos shall not include any sum relating to: (i) any faults in the design, manufacture or installation of the asbestos. (ii) Asbestos not physically damaged by the Listed Peril including any governmental or regulatory authority direction or request of whatsoever nature relating to undamaged asbestos. B. Except as set forth in the foregoing Section A, this policy does not insure asbestos or any sum relating thereto. ALL OTHER TERMS AND CONDITIONS REMAIN UNCHANGED 518ARM00210 C,T)- Gallagher 1262 AJG MARKET REFORM CONTRACT UMR: B1262PW0330021 No. 2 SERVICE OF SUIT CLAUSE (U.S.A.) This Service of Suit Clause will not be read to conflict with or override the obligations of the parties to arbitrate their disputes as provided for in any Arbitration provision within this Policy. This Clause is intended as an aid to compelling arbitration or enforcing such arbitration or arbitral award, not as an alternative to such Arbitration provision for resolving disputes arising out of this contract of insurance (or reinsurance). It is agreed that in the event of the failure of the Underwriters hereon to pay any amount claimed to be due hereunder, the Underwriters hereon, at the request of the Insured (or Reinsured), will submit to the jurisdiction of a Court of competent jurisdiction within the United States. Nothing in this Clause constitutes or should be understood to constitute a waiver of Underwriters' rights to commence an action in any Court of competent jurisdiction in the United States, to remove an action to a United States District Court, or to seek a transfer of a case to another Court as permitted by the laws of the United States or of any State in the United States. It is further agreed that service of process in such suit may be made upon Lloyd's America, Inc., Attention: Legal Department, 280 Park Avenue, East Tower, 25th Floor, New York, NY 10017, USA and that in any suit instituted against any one of them upon this contract, Underwriters will abide by the final decision of such Court or of any Appellate Court in the event of an appeal. The above-named are authorized and directed to accept service of process on behalf of Underwriters in any such suit and/or upon the request of the Insured (or Reinsured)to give a written undertaking to the Insured (or Reinsured)that they will enter a general appearance upon Underwriters' behalf in the event such a suit shall be instituted. Further, pursuant to any statute of any state, territory or district of the United States which makes provision therefor, Underwriters hereon hereby designate the Superintendent, Commissioner or Director of Insurance or other officer specified for that purpose in the statute, or his successor or successors in office, as their true and lawful attorney upon whom may be served any lawful process in any action, suit or proceeding instituted by or on behalf of the Insured (or Reinsured) or any beneficiary hereunder arising out of this contract of insurance (or reinsurance), and hereby designate the above-named as the person to whom the said officer is authorized to mail such process or a true copy thereof. ALL OTHER TERMS AND CONDITIONS REMAIN UNCHANGED LMA5020 No.3 BIOLOGICAL OR CHEMICAL MATERIALS EXCLUSION It is agreed that this Insurance excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with the actual or threatened malicious use of pathogenic or poisonous biological or chemical materials regardless of any other cause or event contributing concurrently or in any other sequence thereto. ALL OTHER TERMS AND CONDITIONS REMAIN UNCHANGED NMA2962 C,T)- Gallagher 1262 AJG MARKET REFORM CONTRACT UMR: B1262PW0330021 No. 4 RADIOACTIVE CONTAMINATION EXCLUSION CLAUSE - PHYSICAL DAMAGE - DIRECT (U.S.A.) This Policy does not cover any loss or damage arising directly or indirectly from nuclear reaction nuclear radiation or radioactive contamination however such nuclear reaction nuclear radiation or radioactive contamination may have been caused * NEVERTHELESS if Fire is an insured peril and a Fire arises directly or indirectly from nuclear reaction nuclear radiation or radioactive contamination any loss or damage arising directly from that Fire shall (subject to the provisions of this Policy) be covered EXCLUDING however all loss or damage caused by nuclear reaction nuclear radiation or radioactive contamination arising directly or indirectly from that Fire. * NOTE. - If Fire is not an insured peril under this Policy the words"NEVERTHELESS"to the end of the clause do not apply and should be disregarded. ALL OTHER TERMS AND CONDITIONS REMAIN UNCHANGED NMA1191 C,T)- Gallagher 1262 AJG MARKET REFORM CONTRACT UMR: B1262PW0330021 No. 5 WAR AND TERRORISM EXCLUSION ENDORSEMENT Notwithstanding any provision to the contrary within this insurance or any endorsement thereto it is agreed that this insurance excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any of the following regardless of any other cause or event contributing concurrently or in any other sequence to the loss; 1. war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power; or 2. any act of terrorism. For the purpose of this endorsement an act of terrorism means an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s)of persons, whether acting alone or on behalf of or in connection with any organisation(s)or government(s), committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear. This endorsement also excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or in any way relating to 1 and/or 2 above. If the Underwriters allege that by reason of this exclusion, any loss, damage, cost or expense is not covered by this insurance the burden of proving the contrary shall be upon the Assured. In the event any portion of this endorsement is found to be invalid or unenforceable, the remainder shall remain in full force and effect. ALL OTHER TERMS AND CONDITIONS REMAIN UNCHANGED NMA2918 C,T)- Gallagher 1262 AJG MARKET REFORM CONTRACT UMR: B1262PW0330021 No. 6 U.S. TERRORISM RISK INSURANCE ACT OF 2002 AS AMENDED NOT PURCHASED CLAUSE This Clause is issued in accordance with the terms and conditions of the "U.S. Terrorism Risk Insurance Act of 2002"as amended as summarized in the disclosure notice. It is hereby noted that the Underwriters have made available coverage for"insured losses"directly resulting from an "act of terrorism" as defined in the"U.S. Terrorism Risk Insurance Act of 2002", as amended ("TRIA")and the Insured has declined or not confirmed to purchase this coverage. This Insurance therefore affords no coverage for losses directly resulting from any"act of terrorism" as defined in TRIA except to the extent, if any, otherwise provided by this policy. All other terms, conditions, insured coverage and exclusions of this Insurance including applicable limits and deductibles remain unchanged and apply in full force and effect to the coverage provided by this Insurance. LMA5390 No. 7 FRAUDULENT CONDUCT AND MISREPRESENTATION CLAUSE The entire Contract of Insurance and any loss or claim thereunder will be void if, whether before or after a loss, an Insured has: a. intentionally concealed or Intentionally misrepresented any material fact or circumstance; b. engaged in fraudulent conduct; or c. made false statements; relating to the Contract of Insurance or any loss or claim thereunder. In the event that any provision of this clause is found by a court of competent jurisdiction to be invalid or unenforceable, the other provisions of this clause and the remainder of the provision in question shall not be affected thereby and shall remain in full force and effect. LMA5120 19 November 2008 ALL OTHER TERMS AND CONDITIONS REMAIN UNCHANGED C,T)- Gallagher 1262 AJG MARKET REFORM CONTRACT UMR: B1262PW0330021 No. 8 APPLICATION OF SUBLIMITS ENDORSEMENT 1. Application To Insured Interests. Each sublimit stated in this policy applies as part of, and not in addition to, the overall policy limit for an occurrence insured hereunder. Each sublimit is the maximum amount potentially recoverable from all insurance layers combined for all insured loss, damage, expense, time element or other insured interest arising from or relating to that aspect of the occurrence, including but not limited to type of property, construction, geographic area, zone, location, or peril. 2. Application Within Perils. If insured under this policy, any sublimit for earthquake, earth movement, flood, windstorm, named storm, or named windstorm is the maximum amount potentially recoverable from all insurance layers combined for all insured loss, damage, expense, time element or other insured interest arising from or relating to such an occurrence. If flood occurs in conjunction with a windstorm, named storm, named windstorm, earthquake or earth movement, the flood sublimit applies within and erodes the sublimit for that windstorm, named storm, named windstorm, earthquake or earth movement. This endorsement takes precedence over and, if in conflict with any other wording in the contract bearing on the application of sublimits, replaces that wording. LMA5130 5 March 2009 No. 9 SANCTION LIMITATION AND EXCLUSION CLAUSE No (re)insurer shall be deemed to provide cover and no (re)insurer shall be liable to pay any claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose that(re)insurer to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom or United States of America. LMA3100 15 September 2010 C,T) Gallagher 1262 AJG MARKET REFORM CONTRACT UMR: B1262PW0330021 No. 10 INADVERTENT ERRORS AND OMISSIONS CLAUSE The property insured under this policy is based on property as per Schedule of Values on file with Underwriters, as submitted by the Insured prior to the inception of this policy. However, if any property of the Insured is omitted or undervalued because of negligence, error or oversight of the Insured, the Underwriters will accept that property as if such error or unintentional omission had not been made. Such omission or under valuation will not prejudice the Insured's right of recovery under this policy. The Insured agrees to report to the Underwriters any omission or under valuation of property as soon as practicable after it is discovered. ALL OTHER TERMS AND CONDITIONS REMAIN UNCHANGED 518AJG00209 C,) Gallagher 1262 AJG MARKET REFORM CONTRACT UMR: B1262PW0330021 No. 11 EXTENSION OF COVERAGE- MISCELLANEOUS UNNAMED LOCATION If a sublimit is shown in the Schedule, this Policy covers Real and Personal Property and related Time Element loss that occurs at Miscellaneous Unnamed Locations owned by the Insured or for which the Insured is legally responsible. Miscellaneous Unnamed Location means a location not included in the Schedule and/or on a separate schedule on file with Underwriters and located within the Territory. There is no coverage under this Extension of Coverage for any location which is covered under any other Extension of Coverage including but not limited to the Inadvertent Errors and Omissions Clause. ALL OTHER TERMS AND CONDITIONS REMAIN UNCHANGED No. 12 OFF PREMISES UTILITIES' SERVICES CLAUSE (BUSINESS INTERRUPTION) This Extension is subject to the EXCLUSIONS, CONDITIONS AND LIMITATIONS of the Policy to which this Extension is attached. In consideration of the premium paid, it is understood and agreed that if this Policy covers Business Interruption such coverage shall extend to loss resulting from necessary interruption of business caused by Direct Physical Loss or Damage, as covered by the Policy to which this Extension is attached, to gas, electric, water, and telephone facilities supplying the Insured's premises. Loss arising from transmission distribution or feeder lines, however, will be limited to such lines located within five statute miles of the Insured's premises, subject to a 24 hour waiting period. ALL OTHER TERMS AND CONDITIONS REMAIN UNCHANGED. LMA5041 (amended) 14/12/2005 C,T)- Gallagher 1262 AJG MARKET REFORM CONTRACT UMR: B1262PW0330021 No. 13 INGRESS/EGRESS EXTENSION (BUSINESS INTERRUPTION) In consideration of the premium paid, and subject to the Exclusions, Conditions and Limitations of the Policy to which this Extension is attached, if this Policy covers Business Interruption, it is extended to cover the loss sustained by the Insured due to the necessary interruption of the Insured's business due to prevention of ingress to or egress from an insured location, whether or not the premises or property of the Insured is damaged, provided that such prevention is a direct result of physical loss or damage of the type insured by this Policy, to property of the type insured by this Policy situated within one statute mile of the insured location. This Extension does not insure loss resulting from: 1) lack of incoming or outgoing service consisting of electricity, fuel, gas, water, steam, refrigerant, sewerage and voice, data or video; or 2) picketing or other action by strikers except for physical damage not excluded by this Policy. This Policy does not provide coverage under this Extension for more than 28 consecutive days. LMA5164 15 December 2010 No. 14 CIVIL OR MILITARY AUTHORITY EXTENSION (BUSINESS INTERRUPTION) In consideration of the premium paid, and subject to the Exclusions, Conditions and Limitations of the Policy to which this Extension is attached, if this Policy covers Business Interruption, it is extended to cover the loss sustained by the Insured due to the necessary interruption of the Insured's business due to prevention of access to the insured location by order of a civil or military authority, provided that such order is a direct result of physical damage of the type insured by this Policy, to property of the type insured by this Policy situated within one statute mile of the insured location. This Policy does not provide coverage under this Extension for more than 28 consecutive days. LMA5161 15 December 2010 C,T)- Gallagher 1262 AJG MARKET REFORM CONTRACT UMR: B1262PW0330021 No. 15 Business Interruption Extension In consideration of the premium paid, and subject to the EXCLUSIONS, CONDITIONS AND LIMITATIONS of the Policy to which this Extension is attached, and also to the FOLLOWING ADDITIONAL CONDITIONS, EXCLUSIONS AND LIMITATIONS, this Policy is extended to cover loss resulting from necessary Interruption of Business caused by Direct Physical Loss or Damage, as covered by the Policy to which this Extension is attached, to the Property Insured. In the event of such Direct Physical Loss or Damage, the Underwriters shall be liable for the actual loss sustained by the Insured resulting directly from such necessary Interruption of Business, but not exceeding the reduction in Gross Earnings, as defined hereafter, less charges and expenses which are not necessary during the Interruption of Business, for a period not to exceed the lesser of:- a) such length of time as would be required, with the exercise of due diligence and dispatch, to repair, rebuild or replace such part of the property as has been destroyed or damaged, or b) eighteen (18)calendar months, commencing with the date of such Direct Physical Loss or Damage and not limited by the expiration of this Policy. Extended Period of Indemnity: The period described above shall include such length of time, not to exceed one hundred and eighty (180) days, to restore the Insured's business to the condition that would have existed had no Direct Physical Loss or Damage occurred commencing with the later of the following dates: i) The date on which the liability of the Underwriters for Direct Physical Loss or Damage would otherwise terminate; and ii) The date on which the repair, rebuilding or replacement of such part of the property as has been destroyed or damaged is actually completed. Due consideration shall be given to the continuation of normal charges and expenses, including payroll expenses (but limited to ninety (90) days in respect of Ordinary Payroll), to the extent necessary to resume operations of the Insured with the same operational capability as existed immediately before the Direct Physical Loss or Damage. CONDITIONS 1. Direct Loss or Damage No claim shall be payable under this Extension unless and until a claim has been paid, or liability admitted, in respect of Direct Physical Loss or Damage to Property Insured under the Policy to which this Extension is attached and which gave rise to Interruption of Business. This Condition shall not apply if no such payment shall have been made, or liability admitted, solely owing to the operation of a Deductible in said Policy which excludes liability for losses below a specified amount. C,T)- Gallagher 1262 AJG MARKET REFORM CONTRACT UMR: B1262PW0330021 3. Resumption of Operations If the Insured could reduce the loss resulting from the Interruption of Business, a) by complete or partial resumption of operation of the property, and/or b) by making use of Merchandise, Stock (Raw, In Process or Finished), or any other property at the Insured's locations or elsewhere, and/or c) by using or increasing operations elsewhere, then such possible reduction shall be taken into account in arriving at the amount of loss hereunder. 4. Expenses to reduce Loss This Extension also covers such expenses as are necessarily incurred for the purpose of reducing loss under this Extension (except expenses incurred to extinguish a fire), and, in respect of manufacturing risks, such expense, in excess of Normal, as would necessarily be incurred in replacing any Finished Stock used by the Insured to reduce loss under this Extension; but in no event to exceed the amount by which loss under this Extension is thereby reduced. Such expenses shall not be subject to the application of any contribution clause. EXCLUSIONS This Extension does not insure against:- 1. increase in loss resulting from interference at the insured premises, by strikers or other persons, with rebuilding, repairing or replacing the property or with the resumption or continuation of operation; 2. increase in loss caused by the suspension, lapse, or cancellation of any lease, licence, contract, or order, unless such results directly from the insured Interruption of Business, and then Underwriters shall be liable for only such loss as affects the Insured's earnings during, and limited to, the period of indemnity covered under this Policy; 3. increase in loss caused by the enforcement of any ordinance or law regulating the use, reconstruction, repair or demolition of any property insured hereunder; 4. loss of market or any other consequential loss. LIMITATIONS 1. The Underwriters shall not be liable for more than the smaller of either:- a) any specific Business Interruption Sublimit stated in the Policy, or C,T) Gallagher 1262 AJG MARKET REFORM CONTRACT UMR: B1262PW0330021 b) the Policy Limit of Liability stated in the Policy, where such includes Business Interruption, if such is a combined limit, in respect of such loss, regardless of the number of locations suffering an interruption of business as a result of any one occurrence. 2. With respect to loss resulting from damage to or destruction of media for, or programming records pertaining to, electronic data processing or electronically controlled equipment, by the perils insured against, the length of time for which the Underwriters shall be liable hereunder shall not exceed:- a) thirty (30) consecutive calendar days or the time required with exercise of due diligence and dispatch to reproduce the data thereon from duplicates or from originals of the previous generation, whichever is less; or, b) the length of time that would be required to rebuild, repair or replace such other property herein described as has been damaged or destroyed, but not exceeding eighteen (18) calendar months, whichever is the greater length of time. DEFINITIONS 1. Gross Earnings are for the assessment of premium and for adjustment in the event of loss defined as, The sum of:- a) total net sales value of production or sales of Merchandise, and b) other earnings derived from the operations of the business, less the cost of c) Raw Stock from which production is derived, d) supplies consisting of materials consumed directly in the conversion of such Raw Stock into Finished Stock, or in supplying the services sold by the Insured, e) Merchandise sold including packaging materials therefor, f) materials and supplies consumed directly in supplying the service(s) sold by the Insured, g) service(s) purchased from outsiders (not employees of the Insured) for resale which do not continue under contract, h) the difference between the cost of production and the nett selling price of Finished Stock which has been sold but not delivered. No other costs shall be deducted in determining Gross Earnings. C,T)- Gallagher 1262 AJG MARKET REFORM CONTRACT UMR: B1262PW0330021 In determining Gross Earnings due consideration shall be given to the experience of the business before the date of Direct Physical Loss or Damage and the probable experience thereafter had Direct Physical Loss or Damage not occurred. 2. Raw Stock Material in the state in which the Insured receives it for conversion into Finished Stock. 3. Stock in Process Raw Stock which has undergone any ageing, seasoning, mechanical or other process of manufacture at the Insured's premises but which has not become Finished Stock. 4. Finished Stock Stock manufactured by the Insured which in the ordinary course of the Insured's business is ready for packing, shipment or sale. 5. Merchandise Goods kept for sale by the Insured which are not the product of manufacturing operations conducted by the Insured. 6. Normal The condition that would have existed had no Direct Physical Loss or Damage occurred. 7. Ordinary Payroll The entire payroll expense for all employees of the Insured except officers, executives, department managers, and other employees under contract. LMA5039 (Amended) 14/12/2005 C,T)- Gallagher 1262 AJG MARKET REFORM CONTRACT UMR: B1262PW0330021 No. 16 PROPERTY CYBER AND DATA ENDORSEMENT 1 Notwithstanding any provision to the contrary within this Policy or any endorsement thereto this Policy excludes any: 1.1 Cyber Loss, unless subject to the provisions of paragraph 2; 1.2 loss, damage, liability, claim, cost, expense of whatsoever nature directly or indirectly caused by, contributed to by, resulting from, arising out of or in connection with any loss of use, reduction in functionality, repair, replacement, restoration or reproduction of any Data, including any amount pertaining to the value of such Data, unless subject to the provisions of paragraph 3; regardless of any other cause or event contributing concurrently or in any other sequence thereto. 2 Subject to all the terms, conditions, limitations and exclusions of this Policy or any endorsement thereto, this Policy covers physical loss or physical damage to property insured under this Policy caused by any ensuing fire or explosion which directly results from a Cyber Incident, unless that Cyber Incident is caused by, contributed to by, resulting from, arising out of or in connection with a Cyber Act including, but not limited to, any action taken in controlling, preventing, suppressing or remediating any Cyber Act. 3 Subject to all the terms, conditions, limitations and exclusions of this Policy or any endorsement thereto, should Data Processing Media owned or operated by the Insured suffer physical loss or physical damage insured by this Policy, then this Policy will cover the cost to repair or replace the Data Processing Media itself plus the costs of copying the Data from back-up or from originals of a previous generation. These costs will not include research and engineering nor any costs of recreating, gathering or assembling the Data. If such media is not repaired, replaced or restored the basis of valuation shall be the cost of the blank Data Processing Media. However, this Policy excludes any amount pertaining to the value of such Data, to the Insured or any other party, even if such Data cannot be recreated, gathered or assembled. 4 In the event any portion of this endorsement is found to be invalid or unenforceable, the remainder shall remain in full force and effect. 5 This endorsement supersedes and, if in conflict with any other wording in the Policy or any endorsement thereto having a bearing on Cyber Loss, Data or Data Processing Media, replaces that wording. Definitions 6 Cyber Loss means any loss, damage, liability, claim, cost or expense of whatsoever nature directly or indirectly caused by, contributed to by, resulting from, arising out of or in connection with any Cyber Act or Cyber Incident including, but not limited to, any action taken in controlling, preventing, suppressing or remediating any Cyber Act or Cyber Incident. 7 Cyber Act means an unauthorised, malicious or criminal act or series of related unauthorised, malicious or criminal acts, regardless of time and place, or the threat or hoax thereof involving access to, processing of, use of or operation of any Computer System. C,T)- Gallagher 1262 AJG MARKET REFORM CONTRACT UMR: B1262PW0330021 8 Cyber Incident means: 8.1 any error or omission or series of related errors or omissions involving access to, processing of, use of or operation of any Computer System; or 8.2 any partial or total unavailability or failure or series of related partial or total unavailability or failures to access, process, use or operate any Computer System. 9 Computer System means: 9.1 any computer, hardware, software, communications system, electronic device (including, but not limited to, smart phone, laptop, tablet, wearable device), server, cloud or microcontroller including any similar system or any configuration of the aforementioned and including any associated input, output, data storage device, networking equipment or back up facility, owned or operated by the Insured or any other party. 10 Data means information, facts, concepts, code or any other information of any kind that is recorded or transmitted in a form to be used, accessed, processed, transmitted or stored by a Computer System. 11 Data Processing Media means any property insured by this Policy on which Data can be stored but not the Data itself. LMA5400 11 November 2019 C,T)- Gallagher 1262 AJG MARKET REFORM CONTRACT UMR: B1262PW0330021 No. 17 COMMUNICABLE DISEASE ENDORSEMENT (For use on property policies) 1. This policy, subject to all applicable terms, conditions and exclusions, covers losses attributable to direct physical loss or physical damage occurring during the period of insurance. Consequently and notwithstanding any other provision of this policy to the contrary, this policy does not insure any loss, damage, claim, cost, expense or other sum, directly or indirectly arising out of, attributable to, or occurring concurrently or in any sequence with a Communicable Disease or the fear or threat (whether actual or perceived)of a Communicable Disease. 2. For the purposes of this endorsement, loss, damage, claim, cost, expense or other sum, includes, but is not limited to, any cost to clean-up, detoxify, remove, monitor or test: 2.1. fora Communicable Disease, or 2.2. any property insured hereunder that is affected by such Communicable Disease. 3. As used herein, a Communicable Disease means any disease which can be transmitted by means of any substance or agent from any organism to another organism where: 3.1. the substance or agent includes, but is not limited to, a virus, bacterium, parasite or other organism or any variation thereof, whether deemed living or not, and 3.2. the method of transmission, whether direct or indirect, includes but is not limited to, airborne transmission, bodily fluid transmission, transmission from or to any surface or object, solid, liquid or gas or between organisms, and 3.3. the disease, substance or agent can cause or threaten damage to human health or human welfare or can cause or threaten damage to, deterioration of, loss of value of, marketability of or loss of use of property insured hereunder. 4. This endorsement applies to all coverage extensions, additional coverages, exceptions to any exclusion and other coverage grant(s). All other terms, conditions and exclusions of the policy remain the same. LMA5393 25 March 2020 C,T)- Gallagher 1262 AJG MARKET REFORM CONTRACT UMR: B1262PW0330021 No. 18 DEBRIS REMOVAL ENDORSEMENT THIS ENDORSEMENT CONTAINS PROVISIONS WHICH MAY LIMIT OR PREVENT RECOVERY UNDER THIS POLICY FOR LOSS WHERE COSTS OR EXPENSES FOR DEBRIS REMOVAL ARE INCURRED. Nothing contained in this Endorsement shall override any Seepage and/or Pollution and/or Contamination Exclusion or any Radioactive Contamination Exclusion or any other Exclusion applicable to this Policy. Any provision within this Policy(or within any other Endorsement which forms part of this Policy)which insures debris removal is cancelled and replaced by the following: 1. In the event of direct physical damage to or destruction of property, for which Underwriters hereon agree to pay, or which but for the application of a deductible or underlying amount they would agree to pay (hereinafter referred to as'Damage or Destruction'), this Policy also insures, within the sum insured, subject to the limitations and method of calculation below, and to all the other terms and conditions of the Policy, costs or expenses; (a) which are reasonably and necessarily incurred by the Assured in the removal, from the premises of the Assured at which the Damage or Destruction occurred, of debris which results from the Damage or Destruction; and (b) of which the Assured becomes aware and advises the amount thereof to Underwriters hereon within one year of the commencement of such Damage or Destruction. 2. In calculating the amount, if any, payable under this Policy for loss where costs or expenses for removal of debris are incurred by the Assured (subject to the limitations in paragraph 1 above): (a) the maximum amount of such costs or expenses that can be included in the method of calculation set out in (b) below shall be the greater of US$25,000 (twenty-five thousand dollars)or 10% (ten percent) of the amount of the Damage or Destruction from which such costs or expenses result; and (b) the amount of such costs or expenses as limited in (a) above shall be added to: (i) the amount of the Damage or Destruction; and (ii) all other amounts of loss, which arise as a result of the same occurrence, and for which Underwriters hereon also agree to pay, or which but for the application of a deductible or underlying amount they would agree to pay; and the resulting sum shall be the amount to which any deductible or underlying amount to which this Policy is subject and the limit(or applicable sub-limit) of this Policy, shall be applied. NMA2343 24/11/1988 1,) Gallagher 1262 AJG MARKET REFORM CONTRACT UMR: B1262PW0330021 POLICYHOLDER DISCLOSURE NOTICE OF TERRORISM INSURANCE COVERAGE You are hereby notified that under the Terrorism Risk Insurance Act of 2002, as amended ("TRIA"), that you now have a right to purchase insurance coverage for losses arising out of acts of terrorism, as defined in Section 102(1) of the Act, as amended: The term "act of terrorism" means any act that is certified by the Secretary of the Treasury, in consultation with the Secretary of Homeland Security and the Attorney General of the United States, to be an act of terrorism; to be a violent act or an act that is dangerous to human life, property, or infrastructure; to have resulted in damage within the United States, or outside the United States in the case of an air carrier or vessel or the premises of a United States mission; and to have been committed by an individual or individuals, as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. Any coverage you purchase for"acts of terrorism" shall expire at 12:00 midnight December 31, 2027, the date on which the TRIA Program is scheduled to terminate, or the expiry date of the policy whichever occurs first, and shall not cover any losses or events which arise after the earlier of these dates. YOU SHOULD KNOW THAT COVERAGE PROVIDED BY THIS POLICY FOR LOSSES CAUSED BY CERTIFIED ACTS OF TERRORISM IS PARTIALLY REIMBURSED BY THE UNITED STATES UNDER A FORMULA ESTABLISHED BY FEDERAL LAW. HOWEVER, YOUR POLICY MAY CONTAIN OTHER EXCLUSIONS WHICH MIGHT AFFECT YOUR COVERAGE, SUCH AS AN EXCLUSION FOR NUCLEAR EVENTS. UNDER THIS FORMULA, THE UNITED STATES PAYS 80% OF COVERED TERRORISM LOSSES EXCEEDING THE STATUTORILY ESTABLISHED DEDUCTIBLE PAID BY THE INSURER(S) PROVIDING THE COVERAGE. YOU SHOULD ALSO KNOW THAT THE TERRORISM RISK INSURANCE ACT, AS AMENDED, CONTAINS A USD100 BILLION CAP THAT LIMITS U.S. GOVERNMENT REIMBURSEMENT AS WELL AS INSURERS' LIABILITY FOR LOSSES RESULTING FROM CERTIFIED ACTS OF TERRORISM WHEN THE AMOUNT OF SUCH LOSSES IN ANY ONE CALENDAR YEAR EXCEEDS USD100 BILLION. IF THE AGGREGATE INSURED LOSSES FOR ALL INSURERS EXCEED USD100 BILLION, YOUR COVERAGE MAY BE REDUCED. THE PREMIUM CHARGED FOR THIS COVERAGE IS PROVIDED BELOW AND DOES NOT INCLUDE ANY CHARGES FOR THE PORTION OF LOSS COVERED BY THE FEDERAL GOVERNMENT UNDER THE ACT. I hereby elect to purchase coverage for acts of terrorism for a prospective premium of USD I hereby elect to have coverage for acts of terrorism excluded from my policy. I understand that I will have no coverage for losses arising from acts of terrorism. Policyholder/Applicant's Signature Syndicate on behalf of certain underwriters at Lloyd's Print Name Policy Number Date LMA9184 C,T) Gallagher 1262 AJG MARKET REFORM CONTRACT UMR: B1262PW0330021 09 January 2020 Policy Number: (UMR) B1262PW0330021 SECURITY DETAILS REFERENCES UMR(Unique Market Reference): B1262PW0330021 Date contract printed to PDF: 17:34 14 December 2020 SIGNED UNDERWRITERS Beazley Syndicates AFB Calum Brewster Written Line 10.00% Signed Line 10.00% Agreed on 11:28 14 December 2020 For and on behalf of: Written Line Signed Line Lloyd's Underwriter Syndicate No.AFB 2623 10.00% 10.00% 82%/AFB 623 18%, London, England Bound as Slip Leader,Lloyd's Leader Lloyd's Stamp: AFB 2623/0623 Reference: JWV20F21 ANFF Description: On behalf of SJJ Risk Code(s): P2 Apollo Syndicate Management Ltd Richard Hardcastle Written Line 4.00% Signed Line 4.00% Agreed on 15:05 14 December 2020 For and on behalf of: %of Written Line Written Line Signed Line Lloyd's Underwriter Syndicate No. 1969 APL, 100.00% 4.00% 4.00% London, England Bound Lloyd's Stamp: 1969 LORS Code: L1969 Reference: 21 PT55569301 Description: RH Risk Code(s): P2 Market Submission - Security Details Page 1 of 4 14/12/2020 1 Policy Number: (UMR) B1262PW0330021 HCC International Insurance Company PLC David Mansell Written Line 6.00% Signed Line 6.00% Agreed on 12:27 14 December 2020 For and on behalf of: %of Written Line Written Line Signed Line Houston Casualty Company(UK Branch), LIRMA 100.00% 6.00% 6.00% H5100 Bound XIS Code: H5100 LORS Code: N1538 Reference: P21 E0230A001 Description: QBE European Company Operations Jake Bell Written Line 5.00% Signed Line 5.00% Agreed on 16:21 14 December 2020 For and on behalf of: Written Line Signed Line Lloyd's Underwriter Syndicate No. 1886 QBE, 5.00% 5.00% London, England Bound Lloyd's Stamp: 1886 LORS Code: L1886 Reference: 21 PD328922RA Description: Risk Code(s): P2 Market Submission - Security Details Page 2 of 4 14/12/2020 1 Policy Number: (UMR) B1262PW0330021 Blenheim Underwriting Limited Oliver Pirie Written Line 2.5% Signed Line 2.5% Agreed on 12:15 14 December 2020 For and on behalf of: %of Written Line Written Line Signed Line D and F Consortium 9918.All underwriters as per 100.00% 2.5% 2.5% LPSO Registered Consortium No 9918 Bound Lloyd's Stamp: 9918 Reference: D21 A8060A001 Description: NJA Risk Code(s): P2 Agora Syndicate Services Ltd Stephanie Rowe Written Line 2.5% Signed Line 2.5% Agreed on 15:09 14 December 2020 For and on behalf of: Written Line Signed Line Lloyd's Underwriter Syndicate No.3268 AGR, 2.5% 2.5% London, England Bound Lloyd's Stamp: 3268 LORS Code: L3268 Reference: D F I F21 AA016A Description: Risk Code(s): P2 Market Submission - Security Details Page 3 of 4 14/12/2020 1 Policy Number: (UMR) B1262PW0330021 SETTLEMENT INFORMATION Allocation of Premium to Coding P2 at 100.00% Allocation of Premium to Year of Account 2020 Terms of Settlement Settlement Due Date: 16 February 2021 Instalment Premium Period of Credit: 0 day(s) Adjustment Premium Period of Credit: 0 day(s) Lloyd's Underwriter Syndicate No.AFB 2623 82%/AFB 623 18%, London, England Bureau Leader and Lloyd's Leader Calum Brewster Market Submission - Security Details Page 4 of 4 14/12/2020 1 Hello