The URL can be used to link to this page

Browse Search

Home My WebLink About000359.tiff •shi),-Nk CTSI Smin¢ CabivJul Camica Colorado Counties Casualty and Property Pool 2022 Excess Boiler & Equipment Breakdown Policy Liberty Mutual Policy No . YB2 - L9L -468235 -012 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 Boiler & Equipment Breakdown 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 $5 , 000 of each claim CAPP 's excess insurance carrier pays up to $ 100 million per claim with sublimits unless otherwise stated in the CAPP Insuring Agreements . I rCountiesn PropertyPool Co o ado and •JCORE 360 Named Insured Schedule Colorado Counties Casualty and Property Pool including the following members : • Alamosa • Gunnison • Phillips • Archuleta • Hinsdale • Prowers • Baca • Huerfano • Pueblo • Bent • Jackson • Rio Blanco • Chaffee • Kiowa • Rio Grande • Cheyenne • Kit Carson • Routt • Clear Creek • Lake • Saguache • Conejos • La Plata • San Juan • Costilla • Las Animas • San Miguel • Crowley • Lincoln • Sedgwick • Custer • Logan • Summit • Delta • Mineral • Teller • Dolores • Moffat • Washington • Elbert • Montrose • Weld • Fremont • Morgan • Yuma • Garfield • Otero • Gilpin • Ouray • Grand • Park 1 ,j Ga agher Insurance Risk Management Consulting Gallagher Colorado Counties Casualty and Property Pool • CORE 360 Equipment Breakdown Carrier: Liberty Mutual Fire Insurance Company Policy Period : January 1 , 2022 to January 1 , 2023 Policy form : Liberty PowerPro Select1M Covered Locations : Per Statement of Values on file with the Company, October 8 , 2021 Limits : Amounts Coverages! $ 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 [ Amounts Coverage .- 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 17 ©2022 Arthur J. Gallagher & Co. All rights reserved. CT Gallagher Colorado Counties Casualty and Property Pool • O• CRE 360 Equipment Breakdown Continued 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. Claims e-mail : GGB . NRCCIaimsCenter@ajg . com 18 ©2022 Arthur J. Gallagher & Co. All rights reserved. tr) Policy Number YB2- L9L-468235- 012 Issued by Liberty Mutual Fire Insurance Company ANNUAL MEETING NOTICE Your policy is issued by a stock insurance company subsidiary of the Liberty Mutual Holding Company Inc . , a Massachusetts mutual holding company. The named insured first named in the Declarations is a member of Liberty Mutual Holding Company Inc. As a member of Liberty Mutual Holding Company Inc . , the named insured first named is entitled , among other things , to vote either in person or by proxy at the annual meeting or special meetings of said company . The Annual Meeting of Liberty Mutual Holding Company Inc. is at its offices located at 175 Berkeley Street , Boston , Massachusetts , on the second Wednesday in April each year at ten o'clock in the morning . Members of Liberty Mutual Holding Company Inc. may request a copy of the company's annual financial statements , which are posted on Liberty Mutual's website at www . libertymutual . com or by writing to Liberty Mutual Holding Company Inc. , 175 Berkeley Street , Boston , Massachusetts , 02116 , Attention : Corporate Secretary . PARTICIPATING PROVISION You may be eligible to participate in the distribution of surplus funds of the company through any dividends that may be declared for this policy . A declaration or payment of dividends is not guaranteed . The amount of any dividends that may be declared shall be to the extent , and upon the conditions fixed and determined by the Board of Directors and in compliance with any laws that apply . In witness whereof, the company has caused this policy to be signed by its President and its Secretary . . tilita./1;*cl&P SECRETARY PRESIDENT LIL 90 04 06 13 © 2013 Liberty Mutual Insurance . All rights reserved . Page 1 of 1 Policy Number: YB2- L9L-468235- 012 Issued by : Liberty Mutual Fire Insurance Company PLEASE READ YOUR POLICY CAREFULLY. EQUIPMENT BREAKDOWN POLICY INVENTORY This INVENTORY is to help you read your Policy . It is not a part of the Policy and is in no way a substitute for reading your entire Policy . Title Form Number Edition Date ANNUAL MEETING NOTICE/PARTICIPATING PROVISION LIL 90 04 06 13 POLICY INVENTORY PPS 00 03 03 13 EQUIPMENT BREAKDOWN DECLARATIONS PPS DS 01 07 12 EQUIPMENT BREAKDOWN PROTECTION COVERAGE FORM EB 00 20 01 13 ADDITIONAL NAMED INSURED PPS 99 05 09 12 EQUIPMENT BREAKDOWN ENHANCEMENT ENDORSEMENT PPS 04 01 07 15 MISCELLANEOUS LOCATIONS PPS 99 11 01 13 EXCLUSION AMENDATORY PPS 21 01 09 12 OFF-PREMISES EQUIPMENT COVERAGE EB 99 63 09 10 NOTICE OF CANCELLATION PPS 02 01 09 12 COMMON POLICY CONDITIONS IL 00 17 11 98 COLORADO CHANGES - CANCELLATION AND NON RENEWAL IL 02 28 09 07 CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM IL 09 52 01 15 DISCLOSURE PURSUANT TO TERRORISM RISK INSURANCE IL 09 85 12 20 ACT DISCLOSURE OF PREMIUM THROUGH END OF YEAR FOR IL 09 98 12 20 CERTIFIED ACTS OF TERRORISM COVERAGE ( PURSUANT TO TERRORISM RISK INSURANCE ACT) DISCLOSURE OF PREMIUM AND ESTIMATED PREMIUM FOR IL 09 99 12 20 CERTIFIED ACTS OF TERRORISM COVERAGE ( PURSUANT TO TERRORISM RISK INSURANCE ACT) LIBERTY MUTUAL GROUP CALIFORNIA PRIVACY NOTICE SNI 04 01 12 20 COLORADO CHANGES EB 01 42 09 07 COLORADO CHANGES - CONCEALMENT, IL 01 69 09 07 MISREPRESENTATION OR FRAUD CYBER INCIDENT EXCLUSION EB 10 01 06 21 PPS 00 03 03 13 © 2013 Liberty Mutual Insurance . All rights reserved . Page 1 of 1 PowerPro SelectTM EQUIPMENT BREAKDOWN INSURANCE POLICY %. , give ber. ty DECLARATIONS ft* Mutual. INSURANCE Issued by Liberty Mutual Fire Insurance Company 175 Berkeley Street Boston, MA 02116 Policy Number YB2- L9L-468235- 012 Issuing Office L-Warrenville Renewal of YB2- L9L-468235- 011 Issue Date 1 /4/2022 Account Number 9468235 Sub Account 0000 Named Insured Colorado Counties Casualty and Property Pool Mailing Address c/o CTSI 800 Grant St Suite 400 Denver, CO 80203 Policy Period : The policy period is from 1 / 1 /2022 to 1 / 1 /2023 12 : 01 A . M . standard time at the Insured 's mailing address . Premium: $69 , 207 (ANNUAL ) Premium: $69 , 207 ( TERM ) Covered Premises : Submitted locations on file at inception of this policy . Coverage Limit Of Insurance Or Days/Hours Limit Per Breakdown $ 100 , 000 , 000 1 . Property Damage Included 2 . Expediting Expense Included 3 . Business Income Included a . Extra Expense $5 , 000 , 000 b . Extended Period Of Restoration (Number Of Days Of Coverage) 365 Days c. Data Or Media $5 , 000 , 000 4 . Spoilage Damage $ 10 , 000 , 000 5 . Utility Interruption $ 10 , 000 , 000 (The maximum limit for Utility Interruption , subject to any applicable lower coverage limits , including business income , extra expense , and/or spoilage , respectively) a . Coverage applies only if the interruption of services lasts at least : 4 Hours 6 . Newly Acquired Premises Included a . (Number Of Days Of Coverage) 90 Days 7 . Ordinance Or Law $5 , 000 , 000 8 . Errors And Omissions Included 9 . Brands And Labels Included 10 . Contingent Business Income/Extra Expense $2 , 500 , 000 a . Covered Premises : All Direct Suppliers & Recipients b . Delivery of Services or Materials ; or Sales : All Services & Materials For the above Coverages , Insurance applies only to a coverage for which a Limit of Insurance , a number of Days/Hours or the word INCLUDED is shown . If INCLUDED is shown , then the limit for that coverage is part of the Limit Per Breakdown . Coverage Limitations Limit Of Insurance Ammonia Contamination $ 10 , 000 , 000 Consequential Loss Included Data And Media $5 , 000 , 000 Hazardous Substance $2 , 500 , 000 Water Damage Included PPS DS 01 07 12 © 2012 Liberty Mutual Insurance . All rights reserved . Includes copyrighted Page 1 of 2 material of Insurance Services Office , Inc. , with its permission . RPSC H P/SC/2022 . 01 . 11 Limited Coverage For Fungus , Wet Rot And Dry Rot Limit $ 15 , 000 Business Income and/or Extra Expense — Number Of Days 30 Increased Cost of Loss and Related Expenses for " Green " Upgrades Property Damage Limit $ 100 , 000 Business Income and/or Extra Expense — Number of Days 30 Deductibles Amounts , Hours Or Days Combined Deductible $5 , 000 Property Damage Included in Combined Deductible Business Income Extra Expense Included in Combined Deductible Spoilage Damage Included in Combined Deductible Utility Interruption Business Income , Extra Expense and/or Spoilage deductible apply Other: Conditions And Optional Coverages Limit Of Insurance Business Income Report Date Business Income Annual Value Business Income Coinsurance Waived Diagnostic Equipment Included Other Conditions Limit of Insurance Off Premises Equipment Coverage : $ 1 , 000 , 000 0064 008057 RISK PLACEMENT SERVICES INC 525 W VAN BUREN ST STE 1325 CHICAGO , IL 60607 PPS DS 01 07 12 © 2012 Liberty Mutual Insurance . All rights reserved . Includes copyrighted Page 2 of 2 material of Insurance Services Office , Inc. , with its permission . EQUIPMENT BREAKDOWN EB00200113 EQUIPMENT BREAKDOWN PROTECTION COVERAGE FORM Various provisions in this policy restrict coverage . However, if coverage for " Extra Read the entire policy carefully to determine rights , Expense " only is indicated in the duties and what is and is not covered . Declarations , then coverage for Throughout this policy, the words "you " and "your" " Business Income " is not provided . refer to the Named Insured shown in the Declarations . We will consider the experience of your The words "we" , " us" and " our" refer to the company business before the " Breakdown " and providing this insurance . the probable experience you would have Other words and phrases that appear in quotation had without the " Breakdown " in marks have special meaning . Refer to Section F . determining the amount of our payment . Definitions . ( 2 ) If you have coverage for " Business A . Coverage Income" and " Extra Expense " or " Extra Expense " only and : 1 . Covered Cause Of Loss (a ) If a number of days is shown in the Covered Cause of Loss is a " Breakdown " to Declarations for Extended Period Of " Covered Equipment" . Restoration Coverage , it will replace 2 . Coverages Provided the five consecutive days in the Each of the following coverages is provided if definition of " Period of Restoration " . either a limit or the word INCLUDED is shown ( b) If you have coverage for Ordinance for that coverage in the Declarations . If neither or Law , then the " Period of a limit nor the word INCLUDED is shown , then Restoration " is extended to include that coverage is not provided . the additional period of time required for demolition , removal , repair, These coverages apply only to that portion of the loss or damage that is a direct result of a remodeling or reconstruction . Covered Cause of Loss . ( c ) If " Media " are damaged or " Data " are lost or corrupted , we will pay your a . Property Damage actual loss of " Business Income " We will pay for direct damage to "Covered and/or " Extra Expense " during the Property" located at the premises described time necessary to : in the Declarations . ( i ) Research , replace or restore the b . Expediting Expenses damaged " Media " or lost or With respect to direct damage to "Covered corrupted " Data " ; and Property" , we will pay for the extra cost you ( ii ) Reprogram instructions used in necessarily incur to : any covered " Computer ( 1 ) Make temporary repairs ; and Equipment" . ( 2 ) Expedite the permanent repairs or There shall be no coverage for any replacement of the damaged property . " Media " or " Data " that we determine are not or cannot be replaced or c . Business Income And Extra Expense Or restored . Extra Expense Only ( 1 ) We will pay : Unless a higher limit is shown in the Declarations , we will pay the lesser (a ) Your actual loss of " Business of your actual loss of " Business Income " during the " Period of Income " and/or " Extra Expense " up Restoration " ; and to 30 days after the " Period of ( b) The " Extra Expense " you necessarily Restoration " , or $25 , 000 . incur to operate your business during the " Period of Restoration " . EB 00 20 01 13 © Insurance Services Office , Inc. , 2011 Page 1 of 19 d . Spoilage Damage f. Newly Acquired Premises ( 1 ) We will pay for the spoilage damage to We will automatically provide coverage at raw materials , property in process or newly acquired premises you have finished products , provided all of the purchased or leased . This coverage begins following conditions are met : at the time you acquire the property and (a ) The raw materials , property in continues for a period not exceeding the process or finished products must be number of days indicated in the in storage or in the course of being Declarations for Newly Acquired Premises , manufactured ; under the following conditions : ( b) You must own or be legally liable ( 1 ) You must inform us , in writing , of the under written contract for the raw newly acquired premises as soon as materials , property in process or practicable ; finished products ; and ( 2 ) You agree to pay an additional premium ( c ) The spoilage damage must be due as determined by us ; to the lack or excess of power, light , ( 3 ) The coverage for these premises will be heat , steam or refrigeration . subject to the same terms , conditions , ( 2 ) We will also pay any necessary exclusions and limitations as other expenses you incur to reduce the insured premises ; and amount of loss under this coverage . We (4) If the coverages and deductibles vary will pay such expenses to the extent that for existing premises , then the they do not exceed the amount of loss coverages for the newly acquired that otherwise would have been payable premises will be the broadest coverage under this Coverage Form . and highest limits and deductible e . Utility Interruption applicable to the existing premises . If you have coverage for " Business Income " g . Ordinance Or Law Coverage and " Extra Expense " , " Extra Expense" only The following applies despite the Ordinance or Spoilage Damage , that coverage is Or Law Exclusion and provided these extended to include loss resulting from the increases in loss are necessitated by the interruption of utility services , provided all of enforcement of or compliance with any the following conditions are met : ordinance or law that is in force at the time ( 1 ) The interruption is the direct result of a of the " Breakdown which regulates the " Breakdown " to "Covered Equipment" demolition , construction , repair or use of the owned , operated or controlled by the building or structure . With respect to the local private or public utility or distributor building or, structure that was damaged as a that directly generates , transmits , result of a Breakdown . distributes or provides utility services ( 1 ) We will pay for: which you receive ; (a ) The loss in value of the undamaged ( 2 ) The " Covered Equipment" is used to portion of the building or structure as supply electric power, communication a consequence of enforcement of or services , air conditioning , heating , gas , compliance with an ordinance or law sewer, water or steam to your premises ; that requires the demolition of and undamaged pads of the same ( 3 ) The interruption of utility service to your building or structure ; premises lasts at least the consecutive ( b) Your actual cost to demolish and period of time shown in the clear the site of the undamaged Declarations . Once this waiting period is pads of the same building or met , coverage will commence at the structure as a consequence of initial time of the interruption and will be enforcement of or compliance with subject to all applicable deductibles . an ordinance or law that requires the demolition of such undamaged property ; and EB 00 20 01 13 © Insurance Services Office , Inc. , 2011 Page 2 of 19 ( c ) The increased cost actually and (f) Loss or expense sustained due to necessarily expended to : the enforcement of or compliance ( i ) Repair or reconstruct the with any ordinance or law which damaged or destroyed portions of requires the demolition , repair, the building or structure ; and replacement , reconstruction , remodeling or remediation of ( ii ) Reconstruct or remodel the property due to the presence , undamaged portion of that growth , proliferation , spread or any building or structure with activity of " Fungus " , wet or dry rot ; or buildings or structures of like materials , height , floor area and ( g) Costs associated with the style for like occupancy , whether enforcement of or compliance with or not demolition is required on : any ordinance or law which requires any insured or others to test for, i . The same premises or on monitor, clean up , remove , contain , another premises if you so treat , detoxify or neutralize , or in any elect . However, if you rebuild way respond to or assess the effects at another premises , the most of " Fungus" , wet or dry rot . we will pay is the increased cost of construction that we ( 3 ) If: would have paid to rebuild at (a ) The building or structure is damaged the same premises ; or by a " Breakdown " that is covered ii . Another premises if the under this policy; relocation is required by the ( b) There is other physical damage that ordinance or law . The most is not covered under this policy; and we will pay is the increased ( c ) As a result of the building damage in cost of construction at the its entirety , you are required to new premises . comply with the ordinance or law ; ( 2 ) We will not pay for any : then we will not pay the full amount of (a ) Demolition or site clearing until the the loss under this coverage . Instead , undamaged portions of the buildings we will pay only that proportion of such or structures are actually loss , meaning the proportion that the demolished ; covered " Breakdown " loss bears to the ( b) Increase in loss until the damaged or total physical damage . destroyed buildings or structures are But if the building or structure sustains actually rebuilt or replaced and direct physical damage that is not approved by the regulating covered under this policy and such government agency; damage is the subject of the ordinance ( c ) Loss due to any ordinance or law or law , then there is no Ordinance Or that : Law Coverage under this Coverage Part even if the building has also sustained" Breakdown " . You were required to comply with damage by a covered Breakdown . before the loss , even if the building was undamaged ; and h . Errors And Omissions ( ii ) You failed to comply with ; We will pay for any loss or damage , which is not otherwise payable under this ( d) Increase in loss , excess of the Coverage Part , solely because of the items amount required to meet the listed below : minimum requirement of any ordinance or law enforcement at the ( 1 ) Any error or unintentional omission in time of the " Breakdown " ; the description or location of property as insured under this Coverage Part or in (e ) Increase in loss resulting from a any subsequent amendments ; substance declared to be hazardous to health or environment by any ( 2 ) Any failure through error to include any government agency; premises owned or occupied by you at the inception date of this Coverage Part ; or EB 00 20 01 13 © Insurance Services Office , Inc. , 2011 Page 3 of 19 ( 3 ) Any error or unintentional omission by ( 2 ) You shall use your influence to induce you that results in cancellation of any the contributing or recipient premises to premises insured under this policy . make use of any other machinery , No coverage is provided as a result of any equipment , supplies or premises error or unintentional omission by you in the available in order to resume operations reporting of values or the coverage you and delivery of services or materials to requested . you , or the acceptance of products or services from you . You shall cooperate It is a condition of this coverage that such with the contributing or recipient errors or unintentional omissions shall be premises to this effect in every way , but reported and corrected when discovered . not financially unless authorized by us . The policy premium will be adjusted accordingly to reflect the date the premises B . Exclusions should have been added had no error or We will not pay for loss or damage caused directly omission occurred . or indirectly by any of the following . Such loss or i . Brands And Labels damage is excluded , regardless of any other cause or event that contributes concurrently or in ( 1 ) If branded or labeled merchandise that any sequence to the loss . is " Covered „Property" is damaged by a Breakdown , we may take all or any The exclusions apply whether or not the loss event part of the property at an agreed or results in widespread damage or affects a appraised value . If so , you may : substantial area . (a ) Stamp the word SALVAGE on the 1 . Ordinance Or Law merchandise or its containers if the Increase in loss from the enforcement of or stamp will not physically damage the compliance with any ordinance , law , rule , merchandise ; or regulation or ruling which restricts or regulates ( b) Remove the brands or labels if doing the repair, replacement , alteration , use , so will not physically damage the operation , construction , installation , cleanup or merchandise . You must relabel the disposal of Covered Property merchandise or its containers to However, the words use and operation shall be comply with any law . eliminated as respects a covered " Breakdown " ( 2 ) We will pay reasonable costs you incur to electrical supply and emergency generating to perform the activity described in equipment located on the premises of a Paragraphs ( 1 ) (a ) and ( 1 ) ( b) , but the hospital . total we pay for these costs and the 2 . Earth Movement value of the damaged property will not Earth movement , including , but not limited to , exceed the applicable Limit of Insurance earthquake , tremors and aftershocks relating to on such property . earthquake , landslide , land subsidence , mine j . Contingent Business Income And Extra subsidence or volcanic action . Expense Or Extra Expense Only 3 . Water Coverage a . Flood , surface water, waves (including tidal ( 1 ) Subject to the same terms and wave and tsunami) , tides , tidal water, conditions , the " Business Income " and overflow of any body of water, or spray from " E xtra Expense " " E xtra Extra Expense " only any of these , all whether or not driven by coverage provided by this Coverage wind (including storm surge) ; Part is extended to cover your loss , if any , resulting from a " Breakdown " to b . Mudslide or mudflow ; " Covered Equipment" at a premises c . Water that backs up or overflows or is shown in the Declarations , that is not otherwise discharged from a sewer, drain , owned or operated by you which : sump , sump pump or related equipment ; (a ) Wholly or partially prevents the d . Water damage caused by the discharge or delivery of services or materials leakage of a sprinkler system or domestic shown in the Declarations to you or water piping ; from you to others for your account ; or ( b) Results in the loss of sales at your premises shown in the Declarations . EB 00 20 01 13 © Insurance Services Office , Inc. , 2011 Page 4 of 19 e . Water under the ground surface pressing c . Ensue from a " Breakdown " . o n , or flowing or seeping through : 8 . " Fungus " , Wet Rot And Dry Rot ( 1 ) Foundations , walls , floors or paved Presence , growth , proliferation , spread or surfaces ; activity of " Fungus " , wet or dry rot . However, if ( 2 ) Basements , whether paved or not ; a " Breakdown " occurs , we will pay the resulting ( 3 ) Doors , windows or other openings ; or loss or damage . f. Waterborne material carried or otherwise This exclusion does not apply to the extent that moved by any of the water referred to in coverage for " Fungus " , wet rot or dry rot is Paragraph a. , c . or e . , or material carried or provided elsewhere in this Coverage Form and otherwise moved by mudslide or mudflow . then only for that portion of any loss or damage regardless of whether resulting from the presence , growth , This exclusion applies , g proliferation , spread or activity of " Fungus " , wet any of the above , in Paragraphs a . through f. , or dry rot as a result of a " Breakdown " . is caused by an act of nature or is otherwise caused . An example of a situation to which this 9 . Any virus , bacterium or other microorganism exclusion applies is the situation where a dam , that induces or is capable of inducing physical levee , seawall or other boundary or distress , illness or disease . However: containment system fails in whole or in part , for a . If a " Breakdown " occurs , we will pay the any reason , to contain the water. resulting loss or damage ; 4. Nuclear Hazard b . This exclusion does not apply to loss or Nuclear reaction or radiation , or radioactive damage „ caused by or resulting from contamination , however caused . Fungus , wet rot or dry rot . Such loss or damage is addressed in Exclusion B . 8 . ; 5 . War Or Military Action c . Regardless of the application of this a . War, including undeclared or civil war; exclusion to any particular loss , the b . Warlike action by a military force , including provisions of this Exclusion 9 . do not serve action in hindering or defending against an to create coverage for any loss that would actual or expected attack , by any otherwise be excluded under this Coverage government , sovereign or other authority Form . u sing military personnel or other agents ; or 10 . Explosion within the furnace of a chemical c . Insurrection , rebellion , revolution , usurped recovery type boiler or within the passage from power or action taken by governmental the furnace to the atmosphere . authority in hindering or defending against 11 . Damage to " Covered Equipment" undergoing a any of these . pressure or electrical test . 6 . An explosion . However, we will pay for loss or 12 . Water or other means used to extinguish a fire , damage caused by an explosion of "Covered even when the attempt is unsuccessful . Equipment" of a kind specified in a . through g .below , if not otherwise excluded in this Section 13 . Depletion , deterioration , corrosion , erosion or B . : wear and tear. However, if a " Breakdown " occurs , we will pay the resulting loss or a . Steam boiler; damage . b . Electric steam generator; 14. A " Breakdown " that is caused by any of the c . Steam piping ; following causes of loss if coverage for that cause of loss is provided by another policy of d . Steam turbine ; insurance you have , whether collectible or not : e . Steam engine ; a . Aircraft or vehicles ; f. Gas turbine ; or b . Freezing caused by cold weather; g . Moving or rotating machinery when such explosion is caused by centrifugal force or c . Lightning ; mechanical breakdown . d . Sinkhole collapse ; 7 . Fire or combustion explosion including those e . Smoke ; that : f. Riot, civil commotion or vandalism ; or a . Result in a " Breakdown " ; g . Weight of snow , ice or sleet . b . Occur at the same time as a " Breakdown " ; o r EB 00 20 01 13 © Insurance Services Office , Inc. , 2011 Page 5 of 19 15 . A " Breakdown " that is caused by windstorm or 20 . Any indirect result of a " Breakdown " to hail . "Covered Equipment" except as provided by 16 . A delay in , or an interruption of, any business , the " Business Income " and " Extra Expense" , manufacturing or processing activity except as Extra Expense only , Spoilage Damage and provided by the " Business Income" and " Extra Utility Interruption Coverages . Expense " , " Extra Expense" only and Utility 21 . Neglect by you to use all reasonable means to Interruption Coverages . save and preserve " Covered Property" from 17 . With respect to " Business Income " and " Extra further damage at and after the time of the Expense " , " Extra Expense" only and Utility loss . Interruption Coverages , the following additional C . Limits Of Insurance exclusions shall apply : 1 . The most we will pay for any and all coverages a . The business that would not or could not for loss or damage from any " One Breakdown " have been carried on if the " Breakdown " is the applicable Limit Of Insurance shown in had not occurred ; the Declarations . b . Your failure to use due diligence and 2 . Any payment made will not be increased if dispatch and all reasonable means to more than one insured is shown in the operate your business as nearly normal as Declarations . practicable at the premises shown in the 3 . For each coverage in Paragraph A . 2 . , it Declarations ; or a . INCLUDED is shown in the Declarations , c . The suspension , lapse or cancellation of a the limit for such coverage is part of, not in contract following a " Breakdown " extending addition to , the Limit per Breakdown . beyond the time business could have resumed if the contract had not lapsed , b . A limit is shown in the Declarations , we will been suspended or canceled . not pay more than the Limit of Insurance for each such coverage . 18 . Any indirect loss following a " Breakdown " to " Covered Equipment" that results from the lack 4. For any "Covered Equipment" that is : or excess of power, light , heat , steam or a . Used solely to supply utility services to your refrigeration except as provided by the premises ; " Business Income" and " Extra Expense" , " Extra Expense " only , Spoilage Damage and b . Owned by a public or private utility ; Utility Interruption Coverages . c . Not in your care , custody or control and for 19 . With respect to Utility Interruption Coverage , which you are legally liable ; and any loss resulting from the following additional d . Covered under this Coverage Form ; causes of loss whether or not coverage for that the Limit Of Insurance for Property Damage cause of loss is provided by another policy you stated in the Declarations is replaced by the have : sum of one dollar. a . Acts of sabotage ; If you are a public or private utility , 4 . b. is b . Collapse ; replaced by the following : c . Deliberate act (s) of load -shedding by the b . Owned by a public or private utility other supplying utility ; than you . d . Freezing caused by cold weather; 5 . Unless a higher limit or INCLUDED is shown in e . Impact of aircraft , missile or vehicle ; the Declarations , the most we will pay for direct damage as a direct result of a " Breakdown " to f. Impact of objects falling from an aircraft or " Covered Equipment" is $25 , 000 for each of missile ; the following . The limits are part of, not in g . Lightning ; addition to , the Limit of Insurance for Property Damage or Limit per Breakdown . h . Riot , civil commotion or vandalism ; a . Ammonia Contamination i . Sinkhole collapse ; The spoilage to " Covered Property" j . Smoke ; or contaminated by ammonia , including any k. Weight of snow , ice or sleet . salvage expense . EB 00 20 01 13 © Insurance Services Office , Inc. , 2011 Page 6 of 19 b . Consequential Loss 6 . Limited Coverage For " Fungus " , Wet Rot The reduction in the value of undamaged And Dry Rot " Stock" parts of a product which becomes a . Property Damage unmarketable . The reduction in value must We will pay for loss or damage by be caused by a physical loss or damage to " Fungus " , wet or dry rot only when the another part of the product . " Fungus " , wet or dry rot is the direct result c . Data And Media of a " Breakdown " to " Covered Equipment" Your cost to research , replace or restore that occurs during the policy period . As damaged " Data " or " Media " including the used in this Limited Coverage , the term loss cost to reprogram instructions used in any or damage means : " Computer Equipment" . ( 1 ) Direct physical loss or damage to d . Hazardous Substance " Covered Property" caused by " Fungus" , Any additional expenses incurred by you for wet or dry rot including the cost of p removal of the " Fungus " , wet or dry rot : the cleanup , repair or replacement or The to tear and disposal of "Covered Property" that is (a ) cost out replace„ any damaged , contaminated or polluted by a Covered Property „ as needed to " Hazardous Substance " . gain access to the Fungus , wet or dry rot ; a n d As used here , additional expenses means b The of testing performed after the additional cost incurred over and above ( ) cost the amount that we would have paid had no removal , repair, replacement or " Hazardous Substance " been involved with restoration of the damaged property the loss . is completed , provided there is a reason to believe that " Fungus " , wet Ammonia is not considered to be a or dry rot is present . " Hazardous Substance" as respects this limitation . ( 2 ) The coverage described under Paragraph 6 .a . ( 1 ) of this Limited This coverage applies despite the operation Coverage is limited to $ 15 , 000 . of the Ordinance Or Law Exclusion . Regardless of the number of claims , this e . Water Damage limit is the most we will pay for the total The damage to " Covered Property" by occurrences of of all loss or damage, arising out, of all water including any salvage expenses . " Covered to Covered Equipment" which take place If " Fungus " , wet or dry rot results from within the 12- month period starting with damage by water as limited in this the beginning of the present annual paragraph , loss or damage attributable to policy period . With respect to a " Fungus " , wet or dry rot will be : particular occurrence of loss which ( 1 ) Limited as described in Paragraphs results in " Fungus " , wet or dry rot , we C . 6 .a . ( 1 ) through C . 6 . a . (5 ) ; and will not pay more than a total of $ 15 , 000 even if the " Fungus " , wet or dry rot ( 2 ) Part of the Water Damage limit , not in addition to it . continues to be present or active or recurs in a later policy period . ( 3 ) The coverage provided under this Limited Coverage does not increase the applicable Limit of Insurance on any " Covered Property" . If a particular occurrence results in loss or damage by " Fungus " , wet or dry rot , and other loss or damage , we will not pay more , for the total of all loss or damage , than the applicable Limit of Insurance on the affected "Covered Property" . EB 00 20 01 13 © Insurance Services Office , Inc. , 2011 Page 7 of 19 If there is covered loss or damage to ( b) If a covered loss of " Business " Covered Property" not caused by Income " or an " Extra Expense " was " Fungus " , wet or dry rot , loss payment caused by loss or damage other than will not be limited by the terms of this " Fungus " , wet or dry rot, but Limited Coverage , except to the extent remediation of " Fungus " , wet or dry that " Fungus" , wet or dry rot causes an rot prolongs the " Period of increase in the loss . Any such increase Restoration " , we will pay for loss in the loss will be subject to the terms of and/or expense sustained during the this Limited Coverage . delay (regardless of when such a (4) If a Revised Limit is shown in the delay occurs during the " Period of Declarations , the amount of $ 15 , 000 in Restoration ") , but such coverage is Paragraph 6 .a . (2 ) is replaced by the limited to 30 days . The days need amount indicated in the Declarations . not be consecutive . (5 ) If the Declarations indicates that the ( 2 ) If a Revised Number of Days is shown Separate Premises Option applies , then in the Declarations , the number of days the amount of coverage ($ 15 , 000 , (30) in Paragraph b. ( 1 ) (a ) or b. ( 1 ) ( b) is unless a higher amount is shown in the replaced by the number of days Declarations) is made applicable to indicated in the Declarations . separate premises as described in the c . If you have coverage for Ordinance Or Law , Declarations . For each premises so then with respect to Property Damage , described , the amount of coverage is an " Business Income" and " Extra Expense " or annual aggregate limit , subject to the " Extra Expense " only , we will not pay under terms set forth in Paragraph 6 .a . ( 2) . the Ordinance Or Law Coverage for: b . Business Income And Extra Expense Or ( 1 ) Loss or expense sustained due to the Extra Expense Only enforcement of or compliance with any ( 1 ) If you have coverage for " Business ordinance or law which requires the Income" and " Extra Expense " or " Extra demolition , repair, replacement , Expense " only , then Paragraph b. ( 1 ) (a ) reconstruction , remodeling or or b . ( 1 ) ( b) applies , provided that the remediation of property due to the incurred loss or expense satisfies the presence , growth , proliferation , spread terms and conditions applicable to the or any activity of " Fungus " , wet or dry " Business Income" and " Extra Expense " rot ; or or " Extra Expense" only coverage . ( 2 ) The costs associated with the (a ) If: enforcement of or compliance with any ordinance or law which requires any ( i ) The " Breakdown " ; or insured or others to test for, monitor, ( ii ) Any damage from water resulting clean up , remove , contain , treat , from the " Breakdown " ; detoxify or neutralize , or in any way which resulted in " Fungus " , wet or respond „ to or assess the effects of dry rot , does not in itself generate a Fungus , wet or dry rot . loss of " Business Income" or an 7 . Increased Cost Of Loss And Related " Extra Expense " , but the loss of Expenses For " Green " Upgrades " Business Income" or " Extra a . Property Damage Expense" is solely due to loss or damage to property caused by Coverage is extended to include the " Fungus " , wet or dry rot , then our additional loss or damage and related payment under " Business Income " expenses incurred by you that are and " Extra Expense " or " Extra attributable to " Green " upgrades as a direct Expense" only is limited to the result of a " Breakdown " to "Covered amount of loss and/or expense Equipment" that occurs during the policy sustained in a period of not more period . As provided in this " Green " than 30 days . The days need not be upgrades coverage , we will pay for: consecutive . ( 1 ) Additional expense to repair or replace the damaged "Covered Property" except raw materials , property in process , finished goods and " Stock" ; EB 00 20 01 13 © Insurance Services Office , Inc. , 2011 Page 8 of 19 ( 2 ) Related additional expenses to : ( ii ) Additional cost to repair or (a ) Reuse or salvage the damaged replace damaged property solely " Covered Property" ; for the purpose of achieving points toward certification or ( b) Remove , transport and dispose of recertification of the property by a the recyclable damaged "Covered " Green standards-setter" . Property" and its construction waste to appropriate sites ; and Unless a different limit or INCLUDED is shown in the Declarations , the most we pay ( c ) Replace the damaged portions of under this " Green " upgrades coverage is an roof section (s) of buildings or amount equal to 25 % of the total Property structures with a vegetated roof in Damage loss otherwise recoverable , accordance with the recommended subject to a maximum limit of $ 100 , 000 . procedures of a " Green standards- setter" ; b . Business Income And Extra Expense Or Extra Expense Only ( 3 ) Additional reasonable and customary expense to hire the services of an If you have coverage for " Business Income " accredited architect or engineer with and " Extra Expense" or " Extra Expense " respect to any necessary design and only and the terms and conditions engineering recommendations in the ,applicable to the Business Income" and course of repair or replacement of Extra Expense or Extra Expense only damaged portions of the building ; and coverage are satisfied , then : (4) Additional reasonable expense to pay : ( 1 ) If the remediation of the damaged " Covered Property" using "Green " (a ) Fees imposed by the " Green upgrades prolongs the " Period of standards-setter" in order to Restoration " , we will pay for loss and/or determine if certification or expense sustained during the delay recertification is appropriate (regardless of when such a delay occurs according to the organization 's during the " Period of Restoration ") , but standard ; such coverage is limited to 30 days . The ( b) Fees to test " Covered Equipment" days need not be consecutive . following its repair or installation as ( 2 ) If a Revised Number of Days is shown replacements , when such testing is in the Declarations , the number of days undertaken in the course of (30) in Paragraph b . ( 1 ) is replaced by submitting to the certification or the number of days indicated in the recertification process ; and Declarations . ( c ) After repair or reconstruction is ( 3 ) As used here , the prolonged " Period of completed , to flush out the renovated Restoration " is limited to the additional space and/or conduct air quality days incurred over and above the testing of the renovated space in amount needed had no "Green " accordance with the recommended upgrades been involved with the loss . procedures of a " Green standards- setter" and for the purpose of c . The coverage provided under this "Green " mitigating indoor air quality upgrades coverage : deficiencies resulting from the repair ( 1 ) Does not increase any of the applicable or reconstruction of the "Covered Limits of Insurance ; Property" . ( 2 ) Applies despite the operation of the As used here , additional expenses are Ordinance Or Law Exclusion ; and limited to the additional cost incurred over ( 3 ) Does not reduce the coverage otherwise and above the amount that we would have applicable for repair or replacement of paid had no " Green " upgrades been " Covered Property" that qualified as involved with the loss . " Green " prior to loss or damage , with In addition , we will not pay for any : comparable materials and products . ( i ) Further modification if the " Covered Property" fails to obtain certification , recertification or a specific level of certification ; or EB 00 20 01 13 © Insurance Services Office , Inc. , 2011 Page 9 of 19 D . Deductibles ( 3 ) Multiply the daily value in Paragraph ( 2 ) 1 . Application Of Deductibles by the number of days shown in the Declarations . We will first subtract this We will not pay for loss or damage resulting deductible amount from any loss we from any " One Breakdown " until the amount of would otherwise pay . We will then pay covered loss or damage exceeds the the amount of loss or damage in excess deductible shown in the Declarations for each of the deductible , up to the applicable applicable coverage . We will then pay the Limit of Insurance . amount of covered loss or damage in excess of the deductible , up to the applicable Limit of d . Percentage Of Loss Deductible Insurance . If a deductible is expressed as a Deductibles apply separately for each percentage of loss in the Declarations , we applicable coverage except if: will not be liable for the indicated percentage of gross amount of loss or a . A deductible is shown as COMBINED for damage (prior to the applicable deductible any of the coverages in the Declarations , or coinsurance) insured under the then we will first subtract the combined applicable coverage . deductible amount from the aggregate amount of any loss to which the combined e . Minimum Or Maximum Deductibles deductible applies ; or ( 1 ) If: b . More than one " Covered Equipment" is (a ) A minimum dollar amount deductible involved in "One Breakdown " , then only one is shown in the Declarations ; and deductible , the highest , shall apply for each ( b) The dollar amount of the Multiple of of the applicable coverages . Daily Value or the Percentage of 2 . Determination Of Deductibles Loss Deductible is less than the a . Dollar Deductible Minimum Deductible ; If a dollar deductible is shown in the then the Minimum Deductible amount Declarations , we will first subtract the shown in the Declarations will be the deductible amount from any loss we would applicable deductible . otherwise pay . ( 2 ) If: b . Time Deductible (a ) A maximum dollar amount deductible If a time deductible is shown in the is shown in the Declarations ; and Declarations , we will not be liable for any ( b) The dollar amount of the Multiple of loss under that coverage that occurs during Daily Value or the Percentage of that specified time period immediately Loss Deductible is greater than the following a " Breakdown " . If a time Maximum Deductible ; deductible is shown in days , each day shall then the Maximum Deductible amount mean 24 consecutive hours . shown in the Declarations will be the c . Multiple Of Daily Value Deductible applicable deductible . If a multiple of daily value is shown in the E . Equipment Breakdown Protection Conditions Declarations , this deductible will be The following conditions apply in addition to the calculated as follows : Common Policy Conditions : ( 1 ) For the entire premises where the loss 1 . Loss Conditions occurred , determine the total amount of " B usiness Income " that would have a . Abandonment been earned during the " Period of There can be no abandonment of any Restoration " had no " Breakdown " taken property to us . place . ( 2 ) Divide the result in Paragraph ( 1 ) by the number of days the business would have been open during the " Period of Restoration " . The result is the daily value . EB 00 20 01 13 © Insurance Services Office , Inc. , 2011 Page 10 of 19 b . Appraisal (e ) Send us a signed , sworn proof of If we and you disagree on the value of the loss containing the information we property or the amount of loss , either may request to investigate the claim . You make written demand for an appraisal of must do this within 60 days after our the loss . In this event , each party will select request . We will supply you with the a competent and impartial appraiser. The necessary forms . two appraisers will select an umpire . If they (f) Cooperate with us in the cannot agree , either may request that the investigation or settlement of the selection be made by a judge of a court claim . having jurisdiction . The appraisers will state ( 2 ) We may examine any insured under separately the value of the property and oath , while not in the presence of any amount of loss . If they fail to agree , they will other insured and at such times as may submit their differences to the umpire . A be reasonably required , about any decision agreed to by any two will be matter relating to this insurance or the binding . claim , including an insured 's books and Each party will : records . In the event of an examination , ( 1 ) Pay its chosen appraiser; and an insured 's answers must be signed . ( 2 ) Bear the other expenses of the e . Insurance Under Two Or More appraisal and umpire equally . Coverages If there is an appraisal , we will still retain If two or more of this policy's coverages our right to deny the claim . apply to the same loss or damage , we will not pay more than the actual amount of the c . Defense loss or damage . We may elect to defend you against suits f. Legal Action Against Us arising from claims of owners of property . We will do this at our expense . No one may bring a legal action against us under this Coverage Part unless : d . Duties In The Event Of Loss Or Damage ( 1 ) There has been full compliance with all ( 1 ) You must see that the following are the terms of this Coverage Part; and done in the event , of loss or damage to Covered Property ( 2 ) The action is brought within two years after the date of the " Breakdown " ; or (a ) Give us a prompt notice of the loss or damage . Include a description of ( 3 ) We agree in writing that you have an the property involved . obligation to pay for damage to " Covered Property" of others or until the ( b) As soon as possible , give us a amount of that obligation has been description of how , when and where determined by final judgment or the loss or damage occurred . arbitration award . No one has the right ( c ) Allow us a reasonable time and under this policy to bring us into any opportunity to examine the property action to determine your liability. and premises before repairs are g . Loss Payable Clause undertaken or physical evidence of the " Breakdown " is removed . But you ( 1 ) We will pay you and the loss payee must take whatever measures are shown in ,the Declarations for loss due necessary to protect the property to a ,Breakdown to Covered and premises from further damage . Equipment , as interests may appear. The insurance covers the interest of the ( d) As often as may be reasonably loss payee unless the loss results from required , permit us to inspect the conversion , secretion or embezzlement property proving the loss or damage on your part . and examine your books and records . ( 2 ) We may cancel the policy as allowed by the Cancellation Condition . Cancellation Also , permit us to take samples of ends this agreement as to the loss damaged and undamaged property payee's interest . If we cancel , we will for inspection , testing and analysis , mail you and the loss payee the same and permit us to make copies from advance notice . your books and records . EB 00 20 01 13 © Insurance Services Office , Inc. , 2011 Page 11 of 19 ( 3 ) If we make any payment to the loss ( d) Salvaging the damaged "Covered payee , we will obtain their rights against Property" . any other party . k. Transfer Of Rights Of Recovery Against h . Other Insurance Others To Us ( 1 ) You may have other insurance subject If any person or organization to or for whom to the same plan , terms , conditions and we make payment under this Coverage provisions as the insurance under this Part has rights to recover damages from Coverage Part . If you do , we will pay our another, those rights are transferred to us share of the covered loss or damage . to the extent of our payment . Our share is the proportion that the That person or organization must do applicable Limit of Insurance under this everything necessary to secure our rights Coverage Part bears to the Limits of and must do nothing after loss to impair Insurance of all insurance covering on them . But you may waive your rights the same basis . against another party in writing : ( 2 ) If there is other insurance covering the ( 1 ) Prior to a loss to your "Covered same loss or damage , other than that Property" or covered income . described in Paragraph ( 1 ) , we will pay only for the amount of covered loss or ( 2 ) After a loss to your " Covered Property" damage in excess of the amount due or covered income only if, at time of from that other insurance , whether you loss , that party is one of the following : can collect on it or not . But we will not (a ) Someone insured by this insurance ; pay more than the applicable Limit of ( b) A business firm : Insurance . ( i ) Owned or controlled by you ; or i . Privilege To Adjust With Owner In the event of loss or damage involving ( ii ) That owns or controls you ; or property of others in your care , custody or ( c ) Your tenant . control , we have the right to settle the loss This will not restrict your insurance . or damage with the owner of the property . A receipt for payment from the owner of that I . Valuation property will satisfy any claim of yours ( 1 ) We will determine the value of "Covered against us . Property" in the event of loss or damage j . Reducing Your Loss as follows : As soon as possible after a " Breakdown " , (a ) The cost to repair, rebuild or replace you must : the damaged property with property of the same kind , capacity , size or ( 1 ) Resume business , partially or quality on the same site or another completely ; site , whichever is the less costly ; or ( 2 ) Make up for lost business within a ( b) The cost actually and necessarily reasonable period of time . This expended in repairing , rebuilding or reasonable period does not necessarily replacing on the same site or end when operations are resumed ; and another site , whichever is the less ( 3 ) Make use of every reasonable means to costly ; reduce or avert loss , including : except we will not pay for such damaged (a ) Working extra time or overtime at the property that is obsolete and useless to premises or at another premises you you . own or acquire to carry on the same ( 2 ) If you elect or we require that the repair operations ; or replacement of the damaged ( b) Utilizing the property and/or services " Covered Equipment" be done in a of other concerns ; manner that enhances safety while maintaining the existing function , then ( c ) Using merchandise or other property , such as surplus machinery , we will pay , subject to the limit of of duplicate parts , equipment , supplies insurance , up to an additional 25 /o the property damage amount for the and surplus or reserve stock you " Covered Equipment" otherwise own , control or can obtain ; or recoverable . EB 00 20 01 13 © Insurance Services Office , Inc. , 2011 Page 12 of 19 ( 3 ) If: (7 ) We will determine the value of "Covered (a ) Any damaged "Covered Property" is Property" under Spoilage Damage protected by an extended warranty , Coverage as follows : or maintenance or service contract ; (a ) For raw materials , the replacement and cost ; ( b) That warranty or contract becomes ( b) For property in process , the void or unusable due to a replacement cost of the raw " Breakdown " ; materials , the labor expended and we will reimburse you for the unused the proper proportion of overhead costs of nonrefundable , nontransferable charges ; and warranties or contracts . ( c ) For finished products , the selling (4) Unless we agree otherwise in writing , if price , as if no loss or damage had you do not repair or replace the occurred , less any discounts you damaged property within 24 months offered and expenses you otherwise following the date of the " Breakdown " , would have had . then we will pay only the smaller of the : ( 8 ) Any salvage value of property obtained (a ) Cost it would have taken to repair or for temporary repairs or use following a replace ; or " Breakdown " which remains after repairs are completed will be taken into ( b) Actual cash value at the time of the consideration in the adjustment of any " Breakdown " . loss . (5 ) If all of the following conditions are met , m . The following additional conditions apply to property held by you for sale will be the " Business Income" and " Extra Expense " valued at the selling price as if no loss Coverage : or damage had occurred , less any discounts you offered and expenses you ( 1 ) Annual Reports otherwise would have had : You must complete an Annual Report of (a ) The property was manufactured by Values form approved by us once each you ; year. Your reports must reach us within three months of the annual report date ( b) The selling price of the property is shown in the Declarations and each more than the replacement cost of anniversary of that date . the property ; and ( 2 ) Adjustment Of Premium ( c ) You are unable to replace the property before its anticipated sale . Upon receipt of the annual reports of values you furnish us , we will determine ( 6 ) We will pay for loss to damaged " Data " the amount of premium we earned for or " Media " as follows : the past year. If the amount determined (a ) Replacement cost for " Data " or is more than the premium we have " Media " that are mass produced and already charged for this coverage , you commercially available ; and must pay the difference . If the amount ( b) The cost you actually spend to determined is less than the premium we reproduce the records on blank originally charged , we will refund the material for all other " Data " or difference . However, the amount we " Media " , including the cost of return will not exceed 75% of the gathering or assembling information premium we originally charged . for such reproduction . ( 3 ) Coinsurance However, we will not pay for " Data " or This Coinsurance Condition applies only " Media" that we determine are not or if we did not receive your Annual Report cannot be replaced with " Data " or of Values form within three months of " Media" of like kind and quality or the due date as outlined in Paragraph property of similar functional use . ( 1 ) . EB 00 20 01 13 © Insurance Services Office , Inc. , 2011 Page 13 of 19 (a ) We will not pay the full amount of c . Concealment, Misrepresentation Or any loss if: Fraud ( i ) The " Business Income Actual This Coverage Part is void in any case of Annual Value " at the time of loss fraud , intentional concealment or is greater than the " Business misrepresentation of a material fact by you Income Estimated Annual Value " or any other insured , at any time , shown in your latest report ; or concerning : ( ii ) Your report was received by us ( 1 ) This Coverage Part ; more than three months after the ( 2 ) The " Covered Property" ; due date , or your report is overdue . ( 3 ) Your interest in the " Covered Property" ; or ( b) Instead , we will determine the most we will pay using the following steps : (4) A claim under this Coverage Part . ( i ) Divide the " Business Income d . Liberalization Estimated Annual Value " by the If we adopt any standard form revision for " Business Income Actual Annual general use that would broaden coverage in Value" at the time of the this Coverage Part without additional " Breakdown " ; premium , the broadened coverage will ( ii ) Multiply the total amount of the immediately apply to this Coverage Part if covered loss of " Business the revision is effective within 45 days prior Income" by the figure determined to or during the policy period . in Step ( i ) ; and e . Mortgageholder ( iii ) Subtract any applicable ( 1 ) The term mortgageholder includes deductible from the amount trustee . determined in Step ( ii ) . ( 2 ) We will pay for direct damage to We will pay the amount determined " Covered Property" due to a in Step ( iii ) or the " Business Income " " Breakdown " to " Covered Equipment" to and " Extra Expense " limit of each mortgageholder shown in the insurance , whichever is less . For the Declarations in their order of remainder, you will either have to precedence , as interests may appear. rely on other insurance or absorb the ( 3 ) The mortgageholder has the right to loss yourself. receive loss payment even if the If coverage is provided for more than mortgageholder has started foreclosure one premises , then this Coinsurance or similar action on the "Covered Condition applies separately to each Property" . premises . (4) If we deny your claim because of your 2 . General Conditions acts or because you have failed to a . Additional Insured comply with the terms of this Coverage Part , the mortgageholder will still have If a person or organization is designated in the right to receive loss payment if the this Coverage Part as an additional insured , mortgageholder: we will consider them to be an insured under this Coverage Part to the extent of (a ) Pays any premium due under this their interest . Coverage Part at our request if you have failed to do so ; b . Bankruptcy ( b) Submits a signed , sworn proof of The bankruptcy or insolvency of you or your loss within 60 days after receiving estate will not relieve us of our obligation notice from us of your failure to do under this Coverage Part . so ; and ( c ) Has notified us of any change in ownership or material change in risk known to the mortgageholder. All of the terms of this Coverage Part will then apply directly to the mortgageholder. EB 00 20 01 13 © Insurance Services Office , Inc. , 2011 Page 14 of 19 (5 ) If we pay the mortgageholder for any ( b) Puerto Rico ; and loss and deny payment to you because ( c ) Canada . of your acts or because you have failed to comply with the terms of this h . Premium And Adjustments Coverage Part : You shall report to us 100 % of the total (a ) The mortgageholder's rights under insurable values at each premises every the mortgage will be transferred to year as of the anniversary date . The values us to the extent of the amount we shall be reported separately for each of the pay ; and coverages provided . Premium for each anniversary will be promulgated for the ( b) The mortgageholder's right to ensuing period on the basis of rates in recover the full amount of the effect at the anniversary date and for all mortgageholder's claim will not be values at risk . impaired . You agree to keep the applicable records At our option , we may pay to the for each policy year available for inspection mortgageholder the whole principal on by our representatives at all times during the mortgage plus any accrued interest . business hours , during the respective policy In this event , your mortgage and note year, and for a period of 12 months after will be transferred to us and you will pay the end of the respective policy year or after your remaining mortgage debt to us . cancellation of this Coverage Part . ( 6 ) If we cancel this policy, we will give i . Suspension written notice to the mortgageholder at least : Whenever " Covered Equipment" is found to be in , or exposed to , a dangerous condition , (a ) 10 days before the effective date of any of our representatives may immediately cancellation if we cancel for suspend the insurance against loss from a nonpayment of premium ; or " Breakdown " to that " Covered Equipment" . ( b) 30 days before the effective date of This can be done by delivering or mailing a cancellation if we cancel for any written notice of suspension to : other reason . ( 1 ) Your last known address ; or (7 ) If we do not renew this policy , we will ( 2 ) The address where the "Covered give written notice to the Equipment" is located . mortgageholder at least 10 days before the expiration date of this policy . Once suspended in this way , your insurance can be reinstated only by an ( 8 ) If we suspend coverage , it will also be endorsement for that " Covered Equipment" . suspended as respects the mortgageholder. We will give written If we suspend your insurance , you will get a notice of the suspension to the pro rata refund of premium for that " Covered Covered Equipment" . But the suspension will be effective even if we have not yet f. No Benefit To Bailee made or offered a refund . No person or organization , other thanyou , 3 . Joint Or Disputed Loss Agreement having custody of " Covered Property" will benefit from this insurance . a . This condition is intended to facilitate payment of insurance proceeds when : g . Policy Period , Coverage Territory ( 1 ) Both a commercial property policy and Under this Coverage Part : this equipment breakdown protection ( 1 ) We cover loss or damage commencing : policy are in effect ; (a ) During the policy period shown in the ( 2 ) Damage occurs to "Covered Property" Declarations ; and that is insured by the commercial ( b) Within the coverage territory . property policy and this equipment breakdown protection policy ; and ( 2 ) The coverage territory is : ( 3 ) There is disagreement between the (a ) The United States of America insurers as to whether there is coverage (including its territories and or as to the amount of the loss to be possessions) ; paid , if any , by each insurer under its own policies . EB 00 20 01 13 © Insurance Services Office , Inc. , 2011 Page 15 of 19 b . This condition does not apply if: ( c ) The total amount of the loss is agreed to by you , the commercial ( 1 ) Both the commercial property insurer(s) and we do not admit to any liability ; and property insurer(s) and us . ( 2 ) Neither the commercial property d . If the requirements listed in Paragraph c . insurer(s) nor we contend that coverage above are satisfied , we and the commercial applies under the other insurer's policy . property insurer(s) will make payments to the extent , and in the manner, described as c . The provisions of this condition apply only if follows : all of the following requirements are met : ( 1 ) We will pay , after your written request , ( 1 ) The commercial property policy carried the entire amount of loss that we have by the Named Insured , insuring the agreed as being covered , if any , by this " Covered Property" , contains a similar equipment breakdown protection policy provision at the time of the loss or and one- half (1 /2) the amount of the damage , with substantially the same loss that is in disagreement . requirements , procedures and 2 The property will conditions as contained in this condition ; ( ) commercial insurer(s)) pay , after your written request , the entire ( 2 ) The damage to the " Covered Property" amount of loss that they have agreed as was caused by a loss for which : being covered , if any , by the commercial (a ) Both the commercial property property policy and one- half ( 1 /2) the insurer(s) and we admit to some amount of loss that is in disagreement . liability for payment under the ( 3 ) Payments by the insurers of the respective policies ; or amounts that are in disagreement , as ( b) Either: described in Paragraphs ( 1 ) and ( 2 ) , do ( i ) The commercial property not alter, waive or surrender any rights insurer(s) does not admit to any of any insurer against any other with liability for payment , while we regard to the portion of the loss for contend that : which each insurer is liable . i . All liability exists under the (4) The amount in disagreement to be paid commercial property policy ; or by us under this condition shall not exceed the amount payable under the ii . Some liability exists under equivalent Loss Agreement(s) of the both the commercial property commercial property policy. policy and this equipment (5 ) The amount to be paid under this breakdown protection policy ; condition shall not exceed the amount ( ii ) We do not admit to any liability we would have paid had no commercial for payment , while the property policy been in effect at the time commercial property insurer(s) of loss . In no event will we pay more contends that : than the applicable Limit Of Insurance i . All liability exists under this shown in the Declarations . equipment breakdown ( 6 ) Acceptance by you of sums paid under protection coverage policy; or this condition does not alter, waive or ii . Some liability exists under surrender any other rights against us . both the commercial property e . Arbitration policy and this equipment ( 1 ) If the circumstances described in breakdown protection policy ; Paragraph c . (2 ) (a ) exist and the or commercial property insurer(s) and we ( iii ) Both the commercial property agree to submit our differences to insurer(s) and we : arbitration , the commercial property i . Do not admit to any liability for insurer(s) and we will determine the payment ; and amount each will pay and will pay the ii . Contend that some or all insured within 90 days . Arbitration will liability exists under the other then take place within 90 days after insurer's policy ; and payment of the loss under the terms of this condition . EB 00 20 01 13 © Insurance Services Office , Inc. , 2011 Page 16 of 19 ( 2 ) If any of the circumstances described in unless such loss or damage is otherwise Paragraph c . ( 2) ( b) exist , then the excluded within this Coverage Form . commercial property insurer(s) and we b . Does not mean or include : agree to submit our differences to arbitration within 90 days after payment ( 1 ) Malfunction including but not limited to of the loss under the terms of this adjustment , alignment , calibration , condition . cleaning or modification ; ( 3 ) You agree to cooperate with any ( 2 ) Defects , erasures , errors , limitations or arbitration procedures . There will be viruses in computer equipment and three arbitrators : one will be appointed programs including the inability to by us , and another will be appointed by recognize and process any date or time the commercial property insurer(s) . The or provide instructions to "Covered two arbitrators will select a third Equipment" ; arbitrator. If they cannot agree , either ( 3 ) Leakage at any valve , fitting , shaft seal , may request that selection be made by gland packing , joint or connection ; a judge of a court having jurisdiction . A (4) Damage to any vacuum tube , gas tube , decision agreed to by two of the three or brush ; arbitrators will be binding on both parties . Judgment on any award can be (5 ) Damage to any structure or foundation entered in any court that has jurisdiction . supporting the " Covered Equipment" or any of its parts ; f. Final Settlement Between Insurers ( 6 ) The functioning of any safety or The insurer(s) found responsible for the protective device ; or greater percentage of the ultimate loss must return the excess contribution to the (7 ) The cracking of any part on an internal other insurer(s) . In addition , the insurer(s) combustion gas turbine exposed to the found responsible for the greater portion of products of combustion . the loss must pay Liquidated Damages to 2 . " Business Income " means the : the other insurer(s) on the amount of the a . Net Income (Net Profit or Loss before excess contribution of the other insurer(s) . income taxes) that would have been earned Liquidated Damages are defined as interest from the date the insured invokes this or incurred ; and Agreement to the date the insurer(s) that b . Continuing normal operating expenses contributed the excess amount is incurred , including payroll . reimbursed . The interest is calculated at 1 . 5 3 . " Business Income Actual Annual Value" means times the highest prime rate from the the sum of the Net Income and continuing Money Rates column of the Wall Street normal operating expenses incurred , including Journal during the period of the Liquidated payroll that would have been earned had the Damages . Arbitration expenses are not a " Breakdown " not occurred . part of the excess contribution for which Liquidated Damages are calculated . 4. " Business Income Estimated Annual Value " Arbitration expenses will be apportioned means the sum of the Net Income and between insurers on the same basis that continuing normal operating expenses the ultimate loss is apportioned . incurred , including payroll as estimated by you in the most recent Annual Report of Values F . Definitions form on file with us . 1 . " Breakdown " : 5 . " Computer Equipment" means : a . Means the following direct physical loss that a . Your programmable electronic equipment causes damage to " Covered Equipment" that is used to store , retrieve and process and necessitates its repair or replacement : data ; and ( 1 ) Failure of pressure or vacuum b . Associated peripheral equipment that equipment ; provides communication including input and ( 2 ) Mechanical failure including rupture or output functions such as printing or auxiliary bursting caused by centrifugal force ; or functions such as data transmission . ( 3 ) Electrical failure including arcing ; It does not include " Data " or " Media " . EB 00 20 01 13 © Insurance Services Office , Inc. , 2011 Page 17 of 19 6 . " Covered Equipment" : ( 8 ) Vehicle , aircraft , self- propelled a . Means and includes any : equipment or floating vessel including any "Covered Equipment" that is ( 1 ) Equipment built to operate under mounted upon or used solely with any internal pressure or vacuum other than one or more vehicle (s) , aircraft , self- weight of contents ; propelled equipment or floating vessel ; ( 2 ) Electrical or mechanical equipment that ( 9 ) Dragline , excavation or construction is used in the generation , transmission equipment including any "Covered or utilization of energy ; Equipment" that is mounted upon or ( 3 ) Communication equipment and used solely with any one or more " Computer Equipment" ; and dragline (s) , excavation or construction (4) Equipment in Paragraphs ( 1 ) , ( 2 ) and equipment ; ( 3 ) that is owned by a public or private ( 10 ) Felt , wire , screen , die , extrusion plate , utility and used solely to supply utility swing hammer, grinding disc , cutting services to your premises . blade , nonelectrical cable , chain , belt , rope , clutch plate , brake pad , nonmetal However, if Coverage A. 2 .e . Utility part or any part or tool subject to Interruption is provided , then Paragraph periodic replacement ; 6 . a . (4) does not apply . Except for Paragraph 6 .a . (4) , Utility ( 11 ) Machine or apparatus used solely for research , diagnosis , medication , Interruption and Contingent " Business surgical , therapeutic , dental or Income" and " Extra Expense" or " Extra pathological purposes including any Expense " only coverages , the "Covered " Covered Equipment" that is mounted Equipment" must be located at a premises upon or used solely with any one or described in the Declarations and be owned , leased or operated under your more machine (s) or apparatus unless control . Diagnostic Equipment is shown as INCLUDED in the Declarations ; or b . Does not mean or include any : ( 12 ) Equipment or any part of such ( 1 ) " Media " ; equipment manufactured by you for ( 2 ) Part of pressure or vacuum equipment sale . that is not under internal pressure of its 7 . " Covered Property" means any property that : contents or internal vacuum ; a . You own ; or ( 3 ) Insulating or refractory material , but not b . Is inyour care , custody or control and for excluding the glass lining of any " Covered Equipment" ; which you are legally liable . (4) Nonmetallic pressure or vacuum 8 . " Data " means : equipment , unless it is constructed and a . Programmed and recorded material stored used in accordance with the American on " Media " ; and Society of Mechanical Engineers b . Programming records used for electronic (A . S . M . E . ) code or another appropriate data processing , or electronically controlled and approved code ; equipment . (5 ) Catalyst ; 9 . " Extra Expense " means the additional cost you ( 6 ) Vessels , piping and other equipment incur to operate your business during the that is buried belowground and requires " Period of Restoration " over and above the the excavation of materials to inspect , cost that you normally would have incurred to remove , repair or replace ; operate the business during the same period ( 7 ) Structure , foundation , cabinet or had no " Breakdown " occurred . compartment supporting or containing 10 . " Fungus " means any type or form of fungus , the " Covered Equipment" or part of the including mold or mildew and any mycotoxins , " Covered Equipment" including spores , scents or by- products produced or penstock , draft tube or well casing ; released by fungi . EB 00 20 01 13 © Insurance Services Office , Inc. , 2011 Page 18 of 19 11 . " Green " means enhanced energy efficiency or 14. " Media" means electronic data processing or use of environmentally- preferable , sustainable storage media such as films , tapes , discs , materials , products or methods in design , drums or cells . construction , manufacture or operation , as 15 . " One Breakdown " means if an initial recognized by a "Green standards-setter" . " Breakdown " causes other " Breakdowns " , all 12 . " Green standards-setter" means an will be considered " One Breakdown " . All organization or governmental agency which " Breakdowns " at any one premises that produces and maintains guidelines related to manifest themselves at the same time and are " Green " products and practices . "Green the direct result of the same cause will be standards-setters " include but are not limited considered "One Breakdown " . to : 16 . " Period of Restoration " means the period of a . The Leadership in Energy and time that : Environmental Design (LEED®) program of a . Begins at the time of the " Breakdown " or 24 the U . S . Green Building Council ; hours before we receive notice of b . ENERGY STAR , a joint program of the U . S . " Breakdown " , whichever is later; and Environmental Protection Agency and the b . Ends five consecutive days after the date U . S . Department of Energy ; and when the damaged property at the c . Green GlobesTM , a program of the Green premises described in the Declarations is Building Initiative . repaired or replaced with reasonable speed 13 . " Hazardous Substance" means any substance and similar quality . other than ammonia that has been declared to 17 . " Stock" means merchandise held in storage or be hazardous to health by a government for sale , raw materials , property in process or agency . finished products including supplies used in their packing or shipping . EB 00 20 01 13 © Insurance Services Office , Inc. , 2011 Page 19 of 19 Policy Number YB2- L9L-468235- 012 Issued by Liberty Mutual Fire Insurance Company THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL NAMED INSURED This endorsement modifies insurance provided under the following : EQUIPMENT BREAKDOWN PROTECTION COVERAGE FORM We will provide insurance under this policy to each of the persons or organizations shown as an additional named insured on the Schedule of this endorsement . We will adjust any covered loss only with you . You will pay the premium for the insurance we provide to the additional named insureds . In the event that you become bankrupt or insolvent , each additional named insured shall pay the premium for the insurance it receives . We will make our payment jointly to you and any person or organization shown on the Schedule of this endorsement . Schedule Additional Named Insured Location Per Schedule on File All Covered Locations Per Schedule on File With Us PPS 99 05 09 12 © 2012 Liberty Mutual Insurance . All rights reserved . Page 1 of 1 Includes copyrighted material of Insurance Services Office , Inc. , with its permission . Policy Number YB2- L9L-468235- 012 Issued by Liberty Mutual Fire Insurance Company THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EQUIPMENT BREAKDOWN ENHANCEMENT ENDORSEMENT This endorsement modifies insurance provided under the following : EQUIPMENT BREAKDOWN PROTECTION COVERAGE FORM A . The following coverage (s) are added to A . 2 . Coverages Provided of the EQUIPMENT BREAKDOWN PROTECTION COVERAGE FORM : k. Civil Authority If the Declarations show you have business income and/or extra expense coverage : ( 1 ) The applicable coverage is extended to cover loss caused by the action of civil authority that prohibits access to the premises described in the Declarations . The action of civil authority must directly result from a " Breakdown " to " Covered Equipment" or to equipment of the type covered by this policy that is located within 100 miles of a premise shown in the Declarations . ( 2) Coverage provided under ( 1 ) above will commence 24 hours after the time of the civil authority action and will continue until the earlier of: a . 4 consecutive weeks thereafter; or b . The date access is restored . I . Ingress/Egress We will pay for the actual loss of business income that you sustain if your ingress to , or egress from the premises described in the Declarations is prevented as a direct result of a " Breakdown" to " Covered Equipment" or to equipment of the type covered by this policy that is located off of the premises described in the declarations . This coverage does not apply if the ingress to or egress from your premises is prohibited by civil authority . The most we will pay for actual loss of Business Income you sustain under this coverage is $250 , 000 . m . Claim Preparation Fees ( 1 ) We will pay the reasonable expenses that you incur when we require you to provide us with property value assessments , income statements , and other related documentation to show the extent of loss . This includes the cost of taking inventories , assessing property values , preparing income statements , and preparing other similar documentation . ( 2) We will not pay for: PPS 04 01 07 15 © 2015 Liberty Mutual Insurance Page 1 of 3 Includes copyrighted material of Insurance Services Office , Inc . , with its permission a . Any expenses incurred for, billed by or payable to attorneys or adjusters , or their associates or subsidiaries b . Any costs in connection with E . Conditions , 1 Loss Conditions , b . Appraisal ; or c. Any expenses incurred for, billed by or payable to insurance brokers or agents , or their associates or subsidiaries , without our written consent prior to such expenses being incurred . ( 3) The most we will pay for preparation of claim data expenses under this Coverage Extension in any "One Breakdown " is $250 , 000 . This limit is part of, not in addition to , any applicable Limit per Breakdown as shown in the Declaration . B . Item f. ( 4) Newly Acquired Premises of A . 2 . Coverages Provided is deleted and replaced by the following : f. (4) The limit available for this coverage is the amount shown as the Newly Acquired Premises Limit in the Declarations . If the coverages and deductibles vary for existing premises , then the coverages for the newly acquired premises will be the broadest coverage and highest limits and deductible applicable to the existing premises . However, in no circumstance will the limit available for the newly acquired premises exceed the amount shown as the Newly Acquired Premises Limit in the Declarations . C . Item j . Contingent Business Income and Extra Expense or Extra Expense Only Coverage of A . 2. Coverages Provided is deleted and replaced by the following : j . Dependent Location If you have selected the Business Income Coverage Extension or Extra Expense Coverage Extension , that applicable coverage is extended to cover loss caused by the necessary partial or total interruption of your business during the " Period of Restoration " for a " Dependent Location " . The interruption must be caused by direct physical loss or damage at a " Dependent Location , " shown in the Declarations or elsewhere in this Coverage Part, caused by or resulting from " Breakdown " to equipment of the type insured by this policy . However, coverage under this Coverage Extension does not apply when the only loss to " Dependent Location " is loss or damage to " Electronic Data , including destruction or corruption of " Electronic Data" . " Dependent Location " means property operated by others whom you depend on to : ( 1 ) Deliver materials or services to you or to others for your account . But any property which delivers any of the following services is not a Supplying Location with respect to such utility services : air conditioning , communication services , electric power, gas , heating , refrigeration , steam , water or waste treatment. ( 2 ) Accept your products or services ; (3) Manufacture products for delivery to your customers under contract of sale ; or (4) Attract customers to your business . PPS 04 01 07 15 © 2015 Liberty Mutual Insurance Page 2 of 3 Includes copyrighted material of Insurance Services Office , Inc . , with its permission D . The last paragraph of 7 . Increased Cost of Loss And Related Expenses For " Green " Upgrades of section C . Limits Of Insurance is deleted and replaced by the following : Unless a different limit or INCLUDED is shown in the Declarations , the most we pay under this "Green" upgrades coverage is an amount equal to 50 % of the total Property Damage loss otherwise recoverable . E. Item I . ( 2) Valuation of E. 1 . Loss Conditions is deleted and replaced by the following : If "Covered Equipment" requires replacement due to a " Breakdown " , we will pay the additional cost to replace the equipment with equipment that we and you agree improves the environment , increases efficiency or enhances safety while maintaining the existing function , subject to the following conditions : ( a ) We will not pay more than one hundred fifty percent ( 150% ) of what the cost would have been to replace with like kind and quality ; ( b ) We will not pay to increase the size or capacity of the equipment ; ( c ) This provision only applies to property damage coverage ; ( d ) This provision does not increase any of the applicable limits ; (e) This provision does not apply to any property valued on an "Actual Cash Value" basis ; and (f) This provision does not apply to the replacement of component parts . F . Item 16 . " Period of Restoration " under F . Definitions is deleted and replaced with the following : 16 . " Period of Restoration " means the period of time that: a . Begins at the time of the " Breakdown " ; and b . Ends on the earlier of: ( 1 ) The number of consecutive days indicated for the applicable " Period of Restoration " shown in the Declarations or elsewhere in this Coverage Part after the date when the property at the Covered Premises should be repaired , rebuilt or replaced with reasonable speed and similar quality ; or (2) The date when business is resumed at a new permanent location . PPS 04 01 07 15 © 2015 Liberty Mutual Insurance Page 3 of 3 Includes copyrighted material of Insurance Services Office , Inc . , with its permission Policy Number YB2- L9L-468235- 012 Issued by : Liberty Mutual Fire Insurance Company THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MISCELLANEOUS LOCATIONS This endorsement modifies insurance provided under the following : EQUIPMENT BREAKDOWN PROTECTION COVERAGE FORM The following is added to Paragraph A. 2 . : Miscellaneous Locations We will pay subject to a sub- limit of $2 , 500 , 000 for all loss or damage from any "One Breakdown , " for a " Breakdown " to your "Covered Equipment" at any premise (within the policy territory) that is not scheduled in the Declarations or otherwise covered by us or this policy . No coverage is provided under this provision , however, for any property : ( 1 ) in transit ; or ( 2 ) excluded elsewhere in this policy ; or ( 3 ) for which coverage is found , in whole or in part , elsewhere in this policy . PPS 99 11 01 13 © 2012 Liberty Mutual Insurance . All rights reserved . Page 1 of 1 Includes copyrighted material of Insurance Services Office , Inc. , with its permission . Policy Number YB2- L9L-468235- 012 Issued by Liberty Mutual Fire Insurance Company THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION AMENDATORY This endorsement modifies insurance provided under the following : EQUIPMENT BREAKDOWN PROTECTION COVERAGE FORM Paragraph B . 14 is deleted and replaced with the following : 14. A " Breakdown " that is caused by any of the following causes of loss : a . Aircraft or vehicles ; b. Freezing caused by cold weather; c . Lightning ; d . Sinkhole collapse ; e . Smoke ; f. Riot , civil commotion or vandalism ; or g . Weight of snow , ice or sleet . PPS 21 01 09 12 © 2012 Liberty Mutual Insurance . All rights reserved . Page 1 of 1 Includes copyrighted material of Insurance Services Office , Inc . , with its permission . THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. OFF - PREMISES EQUIPMENT COVERAGE This endorsement modifies insurance provided under the following : EQUIPMENT BREAKDOWN COVERAGE PART A . Coverage is extended for loss or damage to B . Paragraph 6 . b. ( 8 ) of Section F . Definitions does " Covered Property" as a direct result of a not apply to coverage provided by this " Breakdown " to " Covered Equipment" while such endorsement to the extent that "Covered equipment is away from the premises described in Equipment" may be mounted upon or used solely the Declarations , and is : with a vehicle or self- propelled equipment , unless 1 . Operated under your control ; such " Covered Equipment" is used in the operation or propulsion of the vehicle or self- 2 . Situated at a fixed location and not in transit ; propelled equipment . and 3 . In use or connected and ready for use . EB 99 63 09 10 © Insurance Services Office , Inc . , 2009 Page 1 of 1 O Policy Number YB2- L9L-468235- 012 Issued by Liberty Mutual Fire Insurance Company THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NOTICE OF CANCELLATION CHANGE This endorsement modifies insurance provided under the following : COMMON POLICY CONDITIONS Item A . 2 . b. of the Cancellation Condition is replaced with the following : b. 90 days before the effective date of cancellation if we cancel for any other reason . PPS 02 01 09 12 © 2012 Liberty Mutual Insurance . All rights reserved . Page 1 of 1 Includes copyrighted material of Insurance Services Office , Inc. , with its permission . COMMON POLICY CONDITIONS All Coverage Parts included in this policy are subject to the following conditions . A . Cancellation b . Give you reports on the conditions we find ; 1 . The first Named Insured shown in the and Declarations may cancel this policy by mailing c . Recommend changes . or delivering to us advance written notice of 2 . We are not obligated to make any inspections , cancellation . surveys , reports or recommendations and any 2 . We may cancel this policy by mailing or such actions we do undertake relate only to delivering to the first Named Insured written insurability and the premiums to be charged . notice of cancellation at least : We do not make safety inspections . We do not a . 10 days before the effective date of undertake to perform the duty of any person or cancellation if we cancel for nonpayment of organization to provide for the health or safety premium ; or of workers or the public. And we do not warrant that conditions : b . 30 days before the effective date of cancellation if we cancel for any other a . Are safe or healthful ; or reason . b . Comply with laws , regulations , codes or 3 . We will mail or deliver our notice to the first standards . Named Insured 's last mailing address known to 3 . Paragraphs 1 . and 2 . of this condition apply not us . only to us , but also to any rating , advisory , rate 4. Notice of cancellation will state the effective service or similar organization which makes date of cancellation . The policy period will end insurance inspections , surveys , reports or on that date . recommendations . 5 . If this policy is cancelled , we will send the first 4. Paragraph 2 . of this condition does not apply to Named Insured any premium refund due . If we any inspections , surveys , reports or cancel , the refund will be pro rata . If the first recommendations we may make relative to Named Insured cancels , the refund may be certification , under state or municipal statutes , less than pro rata . The cancellation will be ordinances or regulations , of boilers , pressure effective even if we have not made or offered a vessels or elevators . refund . E . Premiums 6 . If notice is mailed , proof of mailing will be The first Named Insured shown in the sufficient proof of notice . Declarations : B . Changes 1 . Is responsible for the payment of all premiums ; This policy contains all the agreements between and you and us concerning the insurance afforded . 2 . Will be the payee for any return premiums we The first Named Insured shown in the Declarations pay . is authorized to make changes in the terms of this F . Transfer Of Your Rights And Duties Under This policy with our consent . This policy's terms can be Policy amended or waived only by endorsement issued by us and made a part of this policy . Your rights and duties under this policy may not be transferred without our written consent except in C . Examination Of Your Books And Records the case of death of an individual named insured . We may examine and audit your books and If you die , your rights and duties will be transferred records as they relate to this policy at any time to your legal representative but only while acting during the policy period and up to three years within the scope of duties as your legal afterward . representative . Until your legal representative is D . Inspections And Surveys appointed , anyone having proper temporary 1 . We have the right to : custody of your property will have your rights and duties but only with respect to that property . a . Make inspections and surveys at any time ; IL 00 17 11 98 Copyright , Insurance Services Office , Inc . , 1998 Page 1 of 1 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COLORADO CHANGES - CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following : CAPITAL ASSETS PROGRAM (OUTPUT POLICY) COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT- RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART A . Paragraph 2 . of the Cancellation Common Policy We may only cancel this policy based on Condition is replaced by the following : one or more of the following reasons : 2 . If this policy has been in effect for less than 60 ( 1 ) Nonpayment of premium ; days , we may cancel this policy by mailing or ( 2 ) A false statement knowingly made by delivering to the first Named Insured written the insured on the application for notice of cancellation at least : insurance ; or a . 10 days before the effective date of ( 3 ) A substantial change in the exposure or cancellation if we cancel for nonpayment of risk other than that indicated in the premium ; or application and underwritten as of the b . 30 days before the effective date of effective date of the policy unless the cancellation if we cancel for any other first Named Insured has notified us of reason . the change and we accept such change . B . The following is added to the Cancellation C . The following is added and supersedes any other Common Policy Condition : provision to the contrary : 7 . Cancellation Of Policies In Effect For 60 NONRENEWAL Days Or More If we decide not to renew this policy , we will mail a . If this policy has been in effect for 60 days through first- class mail to the first Named Insured or more , or is a renewal of a policy we shown in the Declarations written notice of the issued , we may cancel this policy by nonrenewal at least 45 days before the expiration mailing through first- class mail to the first date , or its anniversary date if it is a policy written Named Insured written notice of for a term of more than one year or with no fixed cancellation : expiration date . ( 1 ) Including the actual reason , at least 10 If notice is mailed , proof of mailing will be sufficient days before the effective date of proof of notice . cancellation , if we cancel for nonpayment of premium ; or ( 2 ) At least 45 days before the effective date of cancellation if we cancel for any other reason . IL 02 28 09 07 © ISO Properties , Inc . , 2006 Page 1 of 2 D . The following condition is added : Any decrease in coverage during the policy term INCREASE IN PREMIUM OR DECREASE IN must be based on one or more of the following COVERAGE reasons : We will not increase the premium unilaterally or 1 . Nonpayment of premium ; decrease the coverage benefits on renewal of this 2 . A false statement knowingly made by the policy unless we mail through first- class mail insured on the application for insurance ; or written notice of our intention , including the actual 3 . A substantial change in the exposure or risk reason , to the first Named Insured 's last mailing other than that indicated in the application and address known to us , at least 45 days before the underwritten as of the effective date of the effective date . policy unless the first Named Insured has notified us of the change and we accept such change . If notice is mailed , proof of mailing will be sufficient proof of notice . IL 02 28 09 07 © ISO Properties , Inc . , 2006 Page 2 of 2 IL 09 52 01 15 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM This endorsement modifies insurance provided under the following : BOILER AND MACHINERY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART STANDARD PROPERTY POLICY A . Cap On Certified Terrorism Losses If aggregate insured losses attributable to terrorist " Certified act of terrorism " means an act that is acts certified under the Terrorism Risk Insurance certified by the Secretary of the Treasury , in Act exceed $ 100 billion in a calendar year and we accordance with the provisions of the federal have met our insurer deductible under the Terrorism Risk Insurance Act , to be an act of Terrorism Risk Insurance Act , we shall not be terrorism pursuant to such Act . The criteria liable for the payment of any portion of the amount contained in the Terrorism Risk Insurance Act for of such losses that exceeds $ 100 billion , and in a "certified act of terrorism " include the following : such case insured losses up to that amount are subject to pro rata allocation in accordance with 1 . The act resulted in insured losses in excess of procedures established by the Secretary of the $5 million in the aggregate , attributable to all Treasury . types of insurance subject to the Terrorism Risk Insurance Act ; and B . Application Of Exclusions 2 . The act is a violent act or an act that is The terms and limitations of any terrorism dangerous to human life , property or exclusion , or the inapplicability or omission of a infrastructure and is committed by an individual terrorism exclusion , do not serve to create or individuals as part of an effort to coerce the coverage for any loss which would otherwise be civilian population of the United States or to excluded under this Coverage Part or Policy , such influence the policy or affect the conduct of the as losses excluded by the Nuclear Hazard United States Government by coercion . Exclusion or the War And Military Action Exclusion . IL 09 52 01 15 © Insurance Services Office , Inc . , 2015 Page 1 of 1 POLICY NUMBER : YB2- L9L-468235- 012 IL 09 85 12 20 THIS ENDORSEMENT IS ATTACHED TO AND MADE PART OF YOUR POLICY IN RESPONSE TO THE DISCLOSURE REQUIREMENTS OF THE TERRORISM RISK INSURANCE ACT. THIS ENDORSEMENT DOES NOT GRANT ANY COVERAGE OR CHANGE THE TERMS AND CONDITIONS OF ANY COVERAGE UNDER THE POLICY. DISCLOSURE PURSUANT TO TERRORISM RISK INSURANCE ACT SCHEDULE SCHEDULE - PART Terrorism Premium $ 0 ( Certified Acts ) This premium is the total Certified Acts premium attributable to the following Coverage Part(s ) , Coverage Form (s ) and/or Policy( ies) : Equipment Breakdown Protection Coverage Form Additional information , if any, concerning the terrorism premium : SCHEDULE - PART II Federal share of 80 % 2020 and Each Subsequent terrorism losses Calendar Year (Refer to Paragraph B . in this endorsement.) Information required to complete this Schedule , if not shown above , will be shown in the Declarations . IL 09 85 12 20 © Insurance Services Office , Inc . , 2020 Page 1 of 2 A . Disclosure Of Premium C . Cap On Insurer Participation In Payment Of In accordance with the federal Terrorism Risk Terrorism Losses Insurance Act , we are required to provide you with If aggregate insured losses attributable to terrorist a notice disclosing the portion of your premium , if acts certified under the Terrorism Risk Insurance any , attributable to coverage for terrorist acts Act exceed $ 100 billion in a calendar year and we certified under the Terrorism Risk Insurance Act . have met our insurer deductible under the The portion of your premium attributable to such Terrorism Risk Insurance Act , we shall not be coverage is shown in the Schedule of this liable for the payment of any portion of the amount endorsement or in the policy Declarations . of such losses that exceeds $ 100 billion , and in B . Disclosure Of Federal Participation In Payment such case insured losses up to that amount are Of Terrorism Losses subject to pro rata allocation in accordance with procedures established by the Secretary of the The United States Government , Department of the Treasury . Treasury , will pay a share of terrorism losses insured under the federal program . The federal share equals a percentage (as shown in Part II of the Schedule of this endorsement or in the policy Declarations) of that portion of the amount of such insured losses that exceeds the applicable insurer retention . However, if aggregate insured losses attributable to terrorist acts certified under the Terrorism Risk Insurance Act exceed $ 100 billion in a calendar year, the Treasury shall not make any payment for any portion of the amount of such losses that exceeds $ 100 billion . Page 2 of 2 © Insurance Services Office , Inc . , 2020 IL 09 85 12 20 POLICY NUMBER : YB2- L9L-468235- 012 IL 09 98 12 20 THIS ENDORSEMENT IS ATTACHED TO AND MADE PART OF YOUR POLICY IN RESPONSE TO THE DISCLOSURE REQUIREMENTS OF THE TERRORISM RISK INSURANCE ACT. THIS ENDORSEMENT DOES NOT GRANT ANY COVERAGE OR CHANGE THE TERMS AND CONDITIONS OF ANY COVERAGE UNDER THE POLICY. DISCLOSURE OF PREMIUM THROUGH END OF YEAR FOR CERTIFIED ACTS OF TERRORISM COVERAGE ( PURSUANT TO TERRORISM RISK INSURANCE ACT ) SCHEDULE SCHEDULE - PART I Terrorism Premium ( Certified Acts ) through end of year ( 12/31 / ) $ 0 This premium is the total Certified Acts premium attributable to the following Coverage Part(s) , Coverage Form (s ) and/or Policy( ies ) : Equipment Breakdown Protection Coverage Form Additional information , if any , concerning the terrorism premium : SCHEDULE — PART II Federal share of terrorism losses 80 ( Refer to Paragraph B . in this endorsement . ) Information required to complete this Schedule , if not shown above , will be shown in the Declarations . IL 09 98 12 20 © Insurance Services Office , Inc . , 2020 Page 1 of 2 A . Disclosure Of Premium D . Possibility Of Additional Premium In accordance with the federal Terrorism Risk The premium for certified acts of terrorism Insurance Act , we are required to provide you with coverage is calculated based in pad on the federal a notice disclosing the portion of your premium , if participation in payment of terrorism losses as set any , attributable to coverage for terrorist acts forth in the Terrorism Risk Insurance Act . The certified under that Act . The portion of your federal program established by the Act is premium attributable to such coverage is shown in scheduled to terminate at the end of the year the Schedule of this endorsement or in the policy specified in Part I of the Schedule of this Declarations . endorsement , unless extended by the federal B . Disclosure Of Federal Participation In Payment government . Continuation of coverage for certified Of Terrorism Losses acts of terrorism , or termination of such coverage , will be determined upon disposition of the federal The United States Government , Department of the program , subject to the terms and conditions of Treasury , will pay a share of terrorism losses the Conditional Exclusion on this policy . If insured under the federal program . The federal coverage continues past the end of the year share equals a percentage (as shown in Part II of specified in Part I of the Schedule of this the Schedule of this endorsement or in the policy endorsement , we will calculate the premium for Declarations) of that portion of the amount of such such period of time and charge additional premium insured losses that exceeds the applicable insurer if indicated . retention . However, if aggregate insured losses attributable to terrorist acts certified under the If we notify you of an additional premium charge , Terrorism Risk Insurance Act exceed $ 100 billion the additional premium will be due as specified in in a calendar year, the Treasury shall not make such notice . any payment for any portion of the amount of such losses that exceeds $ 100 billion . C . Cap On Insurer Participation In Payment Of Terrorism Losses If aggregate insured losses attributable to terrorist acts certified under the Terrorism Risk Insurance Act exceed $ 100 billion in a calendar year and we have met our insurer deductible under the Terrorism Risk Insurance Act , we shall not be liable for the payment of any portion of the amount of such losses that exceeds $ 100 billion , and in such case insured losses up to that amount are subject to pro rata allocation in accordance with procedures established by the Secretary of the Treasury . Page 2 of 2 © Insurance Services Office , Inc . , 2020 IL 09 98 12 20 POLICY NUMBER : YB2- L9L-468235- 012 IL 09 99 12 20 THIS ENDORSEMENT IS ATTACHED TO AND MADE PART OF YOUR POLICY IN RESPONSE TO THE DISCLOSURE REQUIREMENTS OF THE TERRORISM RISK INSURANCE ACT. THIS ENDORSEMENT DOES NOT GRANT ANY COVERAGE OR CHANGE THE TERMS AND CONDITIONS OF ANY COVERAGE UNDER THE POLICY. DISCLOSURE OF PREMIUM AND ESTIMATED PREMIUM FOR CERTIFIED ACTS OF TERRORISM COVERAGE ( PURSUANT TO TERRORISM RISK INSURANCE ACT ) SCHEDULE SCHEDULE - PART I Terrorism Premium ( Certified Acts) (A) Premium through end of year ( 12/31 / ) $ 0 ( B ) Estimated Premium beyond the date specified above $ 0 (Refer to Paragraph D . in this endorsement . ) This premium is the total Certified Acts premium attributable to the following Coverage Part(s) , Coverage Form (s ) and/or Policy( ies ) : Equipment Breakdown Protection Coverage Form Additional information , if any, concerning the terrorism premium : SCHEDULE — PART II Federal share of terrorism losses 80 ( Refer to Paragraph B . in this endorsement . ) Information required to complete this Schedule , if not shown above , will be shown in the Declarations . IL 09 99 12 20 © Insurance Services Office , Inc . , 2020 Page 1 of 2 A . Disclosure Of Premium D . Possibility Of Additional Or Return Premium In accordance with the federal Terrorism Risk The premium for certified acts of terrorism Insurance Act , we are required to provide you with coverage is calculated based in pad on the federal a notice disclosing the portion of your premium , if participation in payment of terrorism losses as set any , attributable to coverage for terrorist acts forth in the Terrorism Risk Insurance Act . The certified under that Act . The portion of your federal program established by the Act is premium attributable to such coverage is shown in scheduled to terminate at the end of the year the Schedule of this endorsement or in the policy specified in Part I of the Schedule of this Declarations . endorsement , unless extended by the federal B . Disclosure Of Federal Participation In Payment government . If the federal program terminates or if Of Terrorism Losses the level or terms of federal participation change , the estimated premium shown in ( B ) in Part I of The United States Government , Department of the the Schedule may not be appropriate . Treasury , will pay a share of terrorism losses insured under the federal program . The federal If this policy contains a Conditional Exclusion , share equals a percentage (as shown in Part II of continuation of coverage for certified acts of the Schedule of this endorsement or in the policy terrorism , or termination of such coverage , will be Declarations) of that portion of the amount of such determined upon disposition of the federal insured losses that exceeds the applicable insurer program , subject to the terms and conditions of retention . However, if aggregate insured losses the Conditional Exclusion . If this policy does not attributable to terrorist acts certified under the contain a Conditional Exclusion , coverage for Terrorism Risk Insurance Act exceed $ 100 billion certified acts of terrorism will continue . In either in a calendar year, the Treasury shall not make case , when disposition of the federal program is any payment for any portion of the amount of such determined , we will recalculate the premium losses that exceeds $ 100 billion . shown in ( B ) in Part I of the Schedule and will charge additional premium or refund excess C . Cap On Insurer Participation In Payment Of premium , if indicated . Terrorism Losses If we notify you of an additional premium charge , If aggregate insured losses attributable to terrorist the additional premium will be due as specified in acts certified under the Terrorism Risk Insurance such notice . Act exceed $ 100 billion in a calendar year and we have met our insurer deductible under the Terrorism Risk Insurance Act , we shall not be liable for the payment of any portion of the amount of such losses that exceeds $ 100 billion , and in such case insured losses up to that amount are subject to pro rata allocation in accordance with procedures established by the Secretary of the Treasury . Page 2 of 2 © Insurance Services Office , Inc . , 2020 IL 09 99 12 20 LIBERTY MUTUAL GROUP CALIFORNIA PRIVACY NOTICE Commercial Lines (excluding Workers ' Compensation) (Effective December 15 , 2020) Liberty Mutual Group and its affiliates , subsidiaries , and partners (collectively " Liberty Mutual " or "we " , " us " and " our") provide insurance to companies and other insurers . This Privacy Notice explains how we gather, use , and share your data . This Privacy Notice applies to you if you are a Liberty Mutual commercial line insured or are a commercial line claimant residing in California . It does not apply to covered employees or claimants under Workers ' Compensation policies . If this notice does not apply to you , go to Iibertymutual . com/privacy to review the applicable Liberty Mutual privacy notice . What Data Does Liberty Mutual Gather? We may collect the following categories of data : • Identifiers , including a real name , alias , postal address , unique personal identifier, online identifier, Internet Protocol address , email address , account name , Social Security Number, driver's license number, or other similar identifiers ; • Personal information described in California Civil Code § 1798 . 80 (e ) , such as your name , signature , Social Security Number, physical characteristics or description , address , telephone number, driver's license or state identification card number, insurance policy number, education , employment , employment history , bank account number, financial information , medical information , or health insurance information ; • Protected classification characteristics , including age , race , color, national origin , citizenship , religion or creed , marital status , medical condition , physical or mental disability, sex (including gender, gender identity , gender expression , pregnancy or childbirth and related medical conditions) , sexual orientation , or veteran or military status ; • Commercial information , including records of personal property, products or services purchased , obtained , or considered , or other purchasing or consuming histories and tendencies ; • Internet or other similar network activity , including browsing history , search history , information on a consumer's interaction with a website , application , or advertisement ; • Professional or employment related information , including current or past job history or performance evaluations ; • Inferences drawn from other personal information , such as a profile reflecting a person 's preferences , characteristics , psychological trends , predispositions , behavior, attitudes , intelligence , abilities , and aptitudes ; • Risk data , including data about your driving and/or accident history ; this may include data from consumer reporting agencies , such as your motor vehicle records and loss history information , health data , or criminal convictions ; and • Claims data , including data about your previous and current claims , which may include data regarding your health , criminal convictions , third party reports , or other personal data . For information about the types of personal data we have collected about California consumers in the past twelve ( 12) months , please go to libertymutual . com/privacy and click on the link for the California Supplemental Privacy Policy . How We Get the Personal Data : We gather your personal data directly from We also gather your personal data from other people . you . For example , you provide us with data For example : when you : ■ ask about , buy insurance or file a claim ■ your insurance agent or broker ■ pay your policy ■ your employer, association or business (if you are insured through them) ■ visit our websites , call us , or visit our office ■ our affiliates or other insurance companies about your transactions with them SNI 04 01 12 20 © 2020 Liberty Mutual Insurance Page 1 of 5 ■ consumer reporting agencies , Motor Vehicle Departments , and inspection services , to gather your credit history , driving record , claims history , or value and condition of your property ■ other public directories and sources ■ third parties , including other insurers , brokers and insurance support organizations who you have communicated with about your policy or claim , anti-fraud databases , sanctions lists , court judgments and other databases , government entities , open electoral register, advertising networks , data analytics providers , social networks , data brokers or in the event of a claim , third parties including other parties to the claim witnesses , experts , loss adjustors and claim handlers ■ other third parties who take out a policy with us and are required to provide your data such as when you are named as a beneficiary or where a family member has taken out a policy which requires your personal data For information about how we have collected personal data in the past twelve ( 12) months , please go to libertymutual . com/privacy and click on the link for the California Supplemental Privacy Policy . How Does Liberty Mutual Use My Data ? Liberty Mutual uses your data to provide you with our products and services , and as otherwise provided in this Privacy Notice . Your data may be used to : Business Purpose Data Categories Market , sell and provide insurance . • Identifiers This includes for example : • Personal Information • calculating your premium ; • Protected Classification Characteristics • determining your eligibility for a quote ; • Commercial Information • confirming your identity and service your • Internet or other similar network activity policy ; • Professional or employment related information • Inferences drawn from other personal information • Risk data • Claims data Manage your claim . This includes , for example : • Identifiers • managing your claim , if any ; • Personal Information • conducting claims investigations ; • Protected Classification Characteristics • conducting medical examinations ; • Commercial Information • conducting inspections , appraisals ; • Internet or other similar network activity • providing roadside assistance ; • Professional or employment related information • providing rental car replacement or repairs ; • Inferences drawn from other personal information • Risk Data • Claims Data SNI 04 01 12 20 © 2020 Liberty Mutual Insurance Page 2 of 5 Day to Day Business and Insurance Operations . • Identifiers This includes , for example : • Personal Information • creating , maintaining , customizing and • Protected Classification Characteristics securing accounts ; • Commercial Information • supporting day-to-day business and insurance • Internet or other similar network activity related functions ; • Professional or employment related information • doing internal research for technology • Inferences drawn from other personal information development ; • marketing and creating products and services ; • Risk data • conducting audits related to a current contact • Claims data with a consumer and other transactions ; • as described at or before the point of gathering personal data or with your authorization ; Security and Fraud Detection . • Identifiers This includes for example : • Personal Information • detecting security issues ; • Protected Classification Characteristics • protecting against fraud or illegal activity , and • Commercial Information to comply with regulatory and law enforcement • Internet or other similar network activity authorities ; • Professional or employment related information • managing risk and securing our systems , assets , infrastructure and premises ; • Inferences drawn from other personal information • help to ensure the safety and security of • Risk data Liberty staff, assets and resources , which may • Claims data include physical and virtual access controls and access rights management ; • supervisory controls and other monitoring and reviews , as permitted by law ; and • emergency and business continuity management ; Regulatory and Legal Requirements . • Identifiers This includes for example : • Personal Information • controls and access rights management ; • Protected Classification Characteristics • to evaluate or conduct a merger, divestiture , • Commercial Information restructuring , reorganization , dissolution , or • Internet or other similar network activity other sale or transfer of some or all of Liberty 's • Professional or employment related information assets , whether as a going concern or as part of bankruptcy , liquidation , or similar • Inferences drawn from other personal information proceeding , in which personal data held by • Risk data Liberty is among the assets transferred ; • Claims data • exercising and defending our legal rights and positions ; • to meet Liberty contract obligations ; • to respond to law enforcement requests and as required by applicable law , court order, or governmental regulations ; • as otherwise permitted by law . SNI 04 01 12 20 © 2020 Liberty Mutual Insurance Page 3 of 5 Improve Your Customer Experience and Our • Identifiers Products . • Personal Information This includes for example : • Commercial Information • improve your customer experience , our • Internet or other similar network activity products and service ; • Professional or employment related information • to provide , support , personalize and develop our website , products and services ; • Inferences drawn from other personal information • create and offer new products and services ; • Risk data • Claims data Analytics to identify , understand and manage our • Identifiers risks and products . • Personal Information This includes for example : • Protected Classification Characteristics • conducting analytics to better identify , • Commercial Information understand and manage risk and our products ; • Internet or other similar network activity • Professional or employment related information • Inferences drawn from other personal information • Risk data • Claims data Customer service and technical support. This • Identifiers includes for example : • Personal Information • answer questions and provide notifications ; • Commercial Information • provide customer and technical support ; • Internet or other similar network activity • Professional or employment related information • Inferences drawn from other personal information • Risk data • Claims data How Does Liberty Mutual Share My Data? Liberty Mutual does not sell your personal data as defined by the California Consumer Privacy Act . Liberty Mutual shares personal data of California consumers with the following categories of third parties : • Liberty Mutual affiliates ; • Service Providers ; • Insurance support organizations ; • Brokers and agents ; • Government entities and institutions (e . g . regulatory , quasi- regulatory , tax or other authorities , law enforcement agencies , courts , arbitrational bodies , and fraud prevention agencies) ; • Professional advisors including law firms , accountants , auditors , and tax advisors ; • Advertising networks , data analytics providers and social networks ; • Insurers , re- insurers , policyholders , and claimants ; and • As permitted by law . Liberty Mutual shares the following categories of personal data regarding California consumers to service providers for business purposes : Identifiers Personal Data ; Protected Classification Characteristics ; Commercial Information ; Internet or other similar network activity ; Claims Data ; Inferences drawn from other personal information ; Risk Data ; Professional , employment , and education information ; For information about how we have shared personal information in the past twelve ( 12) months , please go to libertymutual . com/privacy and click on the link for the California Supplemental Privacy Policy . SNI 04 01 12 20 © 2020 Liberty Mutual Insurance Page 4 of 5 What Privacy Rights Do I Have? The California Consumer Privacy Act provides California residents with specific rights regarding personal information . These rights are subject to certain exceptions . Our response may be limited as permitted under law . For more information on your rights , please go to libertymutual . com/privacy and click on the link for the California Supplemental Privacy Policy . Will Liberty Mutual Update This Privacy Notice ? We reserve the right to makes changes to this notice at any time and for any reason . The updated version of this policy will be effective once it is accessible . You are responsible for reviewing this policy to stay informed of any changes or updates . Who Do I Contact Regarding Privacy? If you have any questions or comments about this Notice or the Supplemental CCPA Notice , your rights , or are requesting the Notice in an alternative format , please do not hesitate to contact Liberty Mutual at : Phone : 800- 344- 0197 Email : privacy@libertymutual . com Postal Address : Liberty Mutual Insurance Company Attn Privacy Office 175 Berkeley St 6th Floor Boston MA 02116 SNI 04 01 12 20 © 2020 Liberty Mutual Insurance Page 5 of 5 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COLORADO CHANGES This endorsement modifies insurance provided under the following : EQUIPMENT BREAKDOWN COVERAGE PART The following Condition is added to Paragraph 1 . 2 . We will pay for covered loss or damage within 30 Loss Conditions in Section E . Equipment days after we receive the sworn proof of loss , if Breakdown Protection Conditions : you have complied with all the terms of this LOSS PAYMENT Coverage Form and : 1 . We will give you notice of our intentions within 30 a . We have reached agreement with you on the days after we receive the sworn proof of loss ; and amount of loss ; or b . An appraisal award has been made . EB 01 42 09 07 @ ISO Properties , Inc . , 2006 Page 1 of 1 O THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COLORADO CHANGES - CONCEALMENT , MISREPRESENTATION OR FRAUD This endorsement modifies insurance provided under the following : CAPITAL ASSETS PROGRAM (OUTPUT POLICY) COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART - FARM PROPERTY - OTHER FARM PROVISIONS FORM - ADDITIONAL COVERAGES , CONDITIONS , DEFINITIONS FARM COVERAGE PART - LIVESTOCK COVERAGE FORM FARM COVERAGE PART - MOBILE AGRICULTURAL MACHINERY AND EQUIPMENT COVERAGE FORM The CONCEALMENT, MISREPRESENTATION OR FRAUD Condition is replaced by the following : CONCEALMENT, MISREPRESENTATION OR FRAUD We will not pay for any loss or damage in any case of: 1 . Concealment or misrepresentation of a material fact; or 2 . Fraud ; committed by you or any other insured (" insured ") at any time and relating to coverage under this policy . IL 01 69 09 07 @ ISO Properties , Inc . , 2006 Page 1 of 1 EQUIPMENT BREAKDOWN EB 10 01 06 21 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CYBER INCIDENT EXCLUSION This endorsement modifies insurance provided under the following : EQUIPMENT BREAKDOWN COVERAGE PART The following exclusion is added to Paragraph B . 3 . Denial of service attack which disrupts , Exclusions : prevents or restricts access to or use of any We will not pay for loss or damage caused directly computer system , or otherwise disrupts its or indirectly by the following . Such loss or damage normal functioning or operation . is excluded regardless of any other cause or event that contributes concurrently or in any sequence to the loss . Cyber Incident 1 . Unauthorized access to or use of any computer system (including electronic data) . 2 . Malicious code , virus or any other harmful code that is directed at , enacted upon or introduced into any computer system (including electronic data) and is designed to access , alter, corrupt , damage , delete , destroy , disrupt , encrypt , exploit , use or prevent or restrict access to or the use of any part of any computer system (including electronic data) or otherwise disrupt its normal functioning or operation . EB 10 01 06 21 © Insurance Services Office , Inc. , 2020 Page 1 of 1 Hello