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Home My WebLink About20240662.tiffCon vad- (t fly AGREEMENT AMENDMENT BETWEEN THE WELD COUNTY DEPARTMENT OF HUMAN SERVICES AND WONDER YEARS, LLC This Agreement Amendment made and entered into 5thday of JWRSZ., , 2024 by and between the Board of Weld County Commissioners, on behalf of the Weld County Department of Human Services, hereinafter referred to as the "Department", and Wonder Years, LLC, hereinafter referred to as the "Contractor". WHEREAS the parties entered into an Agreement for Case Management Agency Services, (the "Original Agreement") identified by the Weld County Clerk to the Board of County Commissioners as document No. 2024-0662, approved on March 18, 2024. WHEREAS the parties hereby agree to amend the term of the Original Agreement in accordance with the terms of the Original Agreement and any previously adopted amendment, which is incorporated by reference herein, as well as the terms provided herein. NOW THEREFORE, in consideration of the premises, the parties hereto covenant and agree as follows: • The Original Agreement will end on June 30, 2024. • This Amendment, together with the Original Agreement, constitutes the entire understanding between the parties. The following additional changes are hereby made to the current Agreement effective July 1, 2024: 1. Paragraph IV, is hereby amended as follows: a. The term of this Agreement shall be from July 1, 2024, through June 30, 2025, and may be extended upon written agreement of both parties. d. In order to comply with HCPF State General Funds reporting requirements, no invoices received from the VENDOR after July 3, 2025, for Fiscal Year July 1, 2024 through June 30, 2025 will be accepted or paid by CMA, the date of July 3, 2025 is subject to change pending Fiscal Year 24-25 holiday schedule. All other terms and conditions of the Original Agreement remain unchanged. CoMent-PgaidA 1015/24 ee/61,66,- z-/51-w- zo24-1-ca IN WITNESS WHEREOF, the parties hereto have duly executed the Agreement as of the day, month, and year first above written. COUNTY: ATTEST: '-��J �•;&k BOARD OF COUNTY COMMISSIONERS Clerk to the Boar• WELD C TY, COLORAD Deputy Clerk to Kevin D. Ross, Chair JUN 0 5 2024 CONTRACTOR: Wonder Years, LLC 3140 19th Street Boulder, Colorado 80304 By: Steve Ju en (May 23, 2024 20:34 MDT) Steven M. Juntunen, Executive Director Date: May 23, 2024 o20d244 ofLZ- SIGNATURE REQUESTED: Weld/Wonder Years Amendment #1 Final Audit Report 2024-05-24 Created: 2024-05-17 By: Sara Adams (sadams@weld.gov) Status: Signed Transaction ID: CBJCHBCAABAAOrkdehUdcwp7j70PXdNBnXi9Vivwl1V9 "SIGNATURE REQUESTED: Weld/Wonder Years Amendment #1" History t Document created by Sara Adams (sadams@weld.gov) 2024-05-17 - 9:11:20 PM GMT- IP address: 204.133.39.9 E. Document emailed to Steve Juntunen (steve@livewonderyears.com) for signature 2024-05-17 - 9:11:50 PM GMT t Email viewed by Steve Juntunen (steve@livewonderyears.com) 2024-05-23 - 2:59:55 PM GMT- IP address: 74.125.215.67 t Email viewed by Steve Juntunen (steve@livewonderyears.com) 2024-05-24 - 2:33:28 AM GMT- IP address: 74.125.215.68 4, Document e -signed by Steve Juntunen (steve@Iivewonderyears.com) Signature Date: 2024-05-24 - 2:34:14 AM GMT - Time Source: server- IP address: 174.29.69.77 0 Agreement completed. 2024-05-24 - 2:34:14 AM GMT Powered by Adobe Acrobat Sign ACO OR CERTIFICATE OF LIABILITY INSURANCE DATE (MM/DD/YYYY) 12/08/2023 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER HISCOX Inc. 5 Concourse Parkway Suite 2150 Atlanta GA, 30328 CONTACT PHOFAX . Ext): (888) 202-3007 Ira No): a aLNE ADDRESS: contact@hiscox.com INSURER(S) AFFORDING COVERAGE NAIL # INSURER A: Hiscox Insurance Company Inc 10200 INSURED Wonder Years 3140 19th Street Boulder, CO 80304 INSURER B INSURER C INSURER D : INSURER E : INSURER F : COVERAGES CERTIFICATE NUMBER: REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. ILTR TYPE OF INSURANCE ADDL UBR INSD SWVD POLICY NUMBER POLICY EFF (MMIDD/YYYY) POLICY EXP (MM/DD/YYYY) LIMITS COMMERCIAL GENERAL LIABILITY l CLAIMS -MADE ElOCCUR EACH OCCURRENCE $ DAMAGE TO RENTED PREMISES (Ea occurrence) $ MED EXP (Any one person) $ PERSONAL a,ADVINJURY $ GEN'LAGGREGATE LIMIT APPLIES PER: POLICY ❑ MT [1]LOC JEC OTHER: GENERAL AGGREGATE $ 01000016.0091:01000 $ $ AUTOMOBILE LIABILITY ANY AUTO ALL OWNED AUTOS HIRED AUTOS SCHEDILED AUTOS NON -OWNED AUTOS COMBINED SINGLE LIMIT (Ea accident) $ BODILY INJURY (Per person) $ BODILY INJURY (Per accident) $ PROPERTY DAMAGE (Per accident) $ UMBRELLA LIAR EXCESS LIAR OCCUR ,LAMAS -MADE EACH OCCURRENCE $ AGGREGATE $ DED I I RETENTIONS $ WORKERS COMPENSATION AND EMPLOYERS' LIABILITY Y / N 0rCRE PRIETOIPEZTNER/EXECUTIVE OFFICER/MEMBEREXCLUDED? � (Mandatory in NH) If yes, describe under DESCRIPTION OPERATIONS below NIA I STATUTE I 12RH E.L. EACH ACCIDENT $ E.L. DISEASE - EA EMPLOYEE $ E.L. DISEASE - POLICY LIMIT $ A Professional Liability P100.056.640.4 01/22/2024 01/22/2025 Each Claim: $ 2,000,000 Aggregate: $ 2,000,000 DESCRIPTION OF OPERATIONS I LOCATIONS I VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) CERTIFICATE HOLDER CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. AUTHORIZED REPRESENTATIVE ) ACORD 25 (2016/03) © 1988-2015 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD ACORO® CERTIFICATE OF PROPERTY INSURANCE DATE(MM/DDIYYY)Y 12/10/2023 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. PRODUCER CONTACT NAME: Hiscox Inc. 5 Concourse Parkway PHONE 844-357-0403 FAX . Ext1: (aC, No): E-MAIL ADDRESS: contactG/hiscox.com Suite 2150 Atlanta GA, 30328 PRODUCSTOMER CUERID: INSURER(S) AFFORDING COVERAGE NAIL # INSURED INSURER A: H:scox Insurance Company Inc. 10200 Wonder Years 3140 19th Street Boulder, CO 80304 INSURER B : INSURER C : INSURER D : INSURER E : INSURER F : COVERAGES CERTIFICATE NUMBER: REVISION NUMBER: LOCATION OF PREMISES I DESCRIPTION OF PROPERTY (Attach ACORD 101, Additional Remarks Schedule, if more space is required) 3140 19th Street, Boulder, CO 80304 THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACTOR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAYBE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR LTR TYPE OF INSURANCE POLICY NUMBER POLICY EFFECTIVE DATE (MM/DDIYYYY) POLICY EXPIRATION DATE (MM/DD/YYYY) COVERED PROPERTY LIMITS A )._I PROPERTY CAUSES OF LOSS DEDUCTIBLES P100.058.817.4 01/22/2024 01/22/2025 BUILDING X PERSONAL PROPERTY X BUSINESS INCOME X EXTRA EXPENSE RENTAL VALUE BLANKET BUILDING BLANKET PERS PROP BLANKET BLDG & PP $ $ $ 10,000 BASIC BUILDING $ BROAD $ CONTENTS $ 500 $ X SPECIAL EARTHQUAKE $ WIND $ FLOOD $ INLAND MARINE CAUSES OF LOSS NAMED PERILS TYPE OF POLICY $ POLICY NUMBER $ CRIME TYPE OF POLICY $ $ BOILER & MACHINERY / EQUIPMENT BREAKDOWN $ SPECIAL CONDITIONS / OTHER COVERAGES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) CERTIFICATE HOLDER CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. AUTHORIZED REPRESENTATIVE ACORD 24 (2016/03) © 1995-2015 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD ACC DR CERTIFICATE OF LIABILITY INSURANCE DATE (MM/DDIYYYY) 12/10/2023 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in limo of such endorsement(s). PRODUCER Hiscox Inc. 5 Concourse Parkway Suite 2150 Atlanta GA, 30328 CONTACT AME: PHONE 888 202-3007 FAx (AFL . E., ( ) WC, No): Vass: contact@hiscox.com INSURER(S) AFFORDING COVERAGE NAIL # INSURER A: Hiscox Insurance Company Inc 10200 INSURED Wonder Years 3140 19th Street Boulder, CO 80304 INSURER B : INSURER C : INSURER D : INSURER E : INSURER F : COVERAGES CERTIFICATE NUMBER: REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. LTR TN TYPE OF INSURANCE ADDL SUER INSD WVD POLICY NUMBER POLICY EFF (MMMISY YY) POLICY EXP (MM/DD/YYYY) LIMITS A X COMMERCIAL GENERAL LIABILITY CLAIMS -MADE OCCJR X CGL is on BOP Form P100.058.817.4 01/22/2024 01/22/2025 EACH OCCURRENCE $ 1,000,000 Mt SES Ea occu once) $ 0 MED EXP (Any one person) $ 5,000 PERSONAL&ADVINJURY $ 1,000,000 GENERAL AGGREGATE $ 2,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: X POLICY PRO ❑ LOC JECT OTHER: PRODUCTS - COMP/OP AGG $ 2,000,000 A AUTOMOBILE LIABILITY ANY AUTO ALL OWNED ---,-- AUTOS %� HIRED AUTOS SCHEDULED AUTOS NON -OWNED X AUTOS COMBINED SINGLE LIMIT (Ea accident) $ BODILY INJURY (Per person) $ BODILY INJURY (Per accident) $ PROPERTY DAMAGE (Per accident) $ CGL HNOA Limit (oeroccurrence) $ 1,000,000 UMBRELLA LIAR EXCESS LIAR OCCUR c,,,,s-MADE EACH OCCURRENCE $ AGGREGATE $ DED II RETENTION $ WORKERS COMPENSATION AND EMPLOYERS' LIABILITY y / N ANYPROPRIETORIPARTNER/EXECUTIVE ❑ OFFICER/MEMBEREXCLUDED? (Mandatory in NH) If yes, describe under DESCRIPTION OF OPERATIONS below N I A I STATUTE I I ERH E.L. EACH ACCIDENT $ E.L. DISEASE - EA EMPLOYEE $ E.L. DISEASE - POLICY LIMIT $ DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) CERTIFICATE HOLDER CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. AUTHORIZED REPRESENTATIVE I ACORD 25 (2016103) © 1988-2015 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD •,A HISCOX HISCOX INSURANCE COMPANY INC. (A Stock Company) encourage courage* 104 South Michigan Avenue, Suite 600, Chicago, Illinois, 60603 (914)273-7400 Businessowners Insurance for Training (business, vocational or life skills) DECLARATIONS - Effective 01/22/2024 (updates denoted by *) v3 Standard Package In return for the payment of the premium, and subject to all the terms of this policy, we agree with you to provide the insurance as stated in this policy. Policy no.: Renewal of: 1. Named insured: Address: Email address: 2. Policy period: 3. General terms and conditions wording: 4. Policy limits: Business Personal Property BOP General Liability Crime 5. Endorsements: 6. Notification of claims to: P100.058.817.4 P100.058.817.3 Wonder Years 3140 19th Street Boulder, CO 80304 steve@livewonderyears.com Inception Date: 01/22/2024 Expiration Date: 01/22/2025 Inception date shown shall be at 12:01 A.M. (Standard Time) to Expiration date shown above at 12:01 A.M. (Standard Time) at the address of the Named Insured. BOP P0001A CW The General terms and conditions apply to this policy in conjunction with the specific wording detailed in each section below. $10,000 each occurrence $2,000,000 aggregate $25,000 aggregate See Schedule Web : https://www.hiscox.com/manage-your-policy/claims-center Phone: 1-866-424-8508 Email: reportaclaim@hiscox.com Mail: Attn: Direct Claims Hiscox 5 Concourse Parkway, Suite 2150 Atlanta GA, 30328 Please inform us immediately if you have a claim or loss to report . 7. Policy premium: $640.00 BOP D0001A CW (11/19) Page 1 of 10 HISCOX HISCOX INSURANCE COMPANY INC. (A Stock Company) encourage courage® 104 South Michigan Avenue, Suite 600, Chicago, Illinois, 60603 (914)273-7400 Businessowners Insurance for Training (business, vocational or life skills) DECLARATIONS - Effective 01/22/2024 (updates denoted by *) v3 Standard Package SCh[CULE{1 DESCWBEi3 LOCATIONS Loc# Bldg# Premises Address Mortgage Holder(s) Limits Summary 1 1 3140 19th Street Boulder, CO 80304 Location Type: Primary Business Personal $10,000 Property: BOP D0001A CW (11/19) Page 2 of 10 e,A HISCOX HISCOX INSURANCE COMPANY INC. (A Stock Company) encourage courage® 104 South Michigan Avenue, Suite 600, Chicago, Illinois, 60603 (914)273-7400 Businessowners Insurance for Training (business, vocational or life skills) DECLARATIONS - Effective 01/22/2024 (updates denoted by *) v3 Standard Package Business Personal Property Coverage Part: BOP-BPP P0001A CW (06/20) Business personal property coverage Limit of insurance 1: Any location where you perform your business activities Business Personal Property Limit $10,000 Each occurrence Deductible: $500 Theft of furs, fur garments, and garments trimmed with fur: $2,500 Each occurrence (Shared) Theft of jewelry, watches, and similar: $2,500 Each occurrence (Shared) Theft of patterns, dies, molds, and forms: $2,500 Each occurrence (Shared) Additional Coverages ` Limit of insurance Business income: Actual Loss up to 12 months Period of restoration: 12 months Waiting period: 72 hours Business income from dependent properties: $5,000 Each occurrence Period of restoration: 12 months Waiting period: 72 hours Civil authority: Actual Loss up to 30 days Waiting period: 72 hours Extended business income: Actual Loss up to 30 days Interruption of computer operations: $10,000 Aggregate Period of restoration: 6 months Waiting period: 72 hours Electronic data: $10,000 Aggregate (Shared) Extra expense: Actual Loss up to 12 months Period of restoration: 6 months Waiting period: 72 hours BOP D0001A CW (11/19) Page 3 of 10 HISCOX HISCOX INSURANCE COMPANY INC. (A Stock Company) encourage courage. 104 South Michigan Avenue, Suite 600, Chicago, Illinois, 60603 (914)273-7400 Businessowners Insurance for Training (business, vocational or life skills) DECLARATIONS - Effective 01/22/2024 (updates denoted by *) v3 Standard Package Forgery or alteration: $5,000 Each occurrence (Shared) Glass: $10,000 Each occurrence Money orders and counterfeit money: $5,000 Each occurrence (Shared) Coverage Extensions Limit of Insurance Accounts receivable: $10,000 Each occurrence (Shared) Lock and key replacement: $2,500 Each occurrence (Shared) Newly acquired business personal property: $100,000 per building Personal effects: $10,000 Each occurrence (Shared) Temporary business resumption expenses: $10,000 Each occurrence (Shared) Valuable papers and records: $10,000 Each occurrence (Shared) All limits designated as "shared" are a part of, and not in addition to, the Business Personal Property Limit. No deductible will apply to loss you sustain under Business income or Extra expense. BOP D0001A CW (11/19) Page 4of10 HISCOX HISCOX INSURANCE COMPANY INC. (A Stock Company) encourage courage® 104 South Michigan Avenue, Suite 600, Chicago, Illinois, 60603 (914)273-7400 Businessowners Insurance for Training (business, vocational or life skills) DECLARATIONS - Effective 01/22/2024 (updates denoted by *) v3 Standard Package BOP General Liability Coverage Part: BOP -GL P0001A CW (11/19) Liability coverage Limit of insurance BOP General Liability Limit: $1,000,000 Each occurrence / $2,000,000 Aggregate Deductible: $0 Products and completed operations: $2,000,000 Each occurrence (Shared) Personal and advertising injury: $1,000,000 Each claim (Shared) Damage to premises rented to you: $0 Any one premises (Shared) Medical payments: $5,000 Each person All limits designated as "shared" are a part of, and not in addition to, the BOP General Liability Limit. BOP D0001A CW (11/19) Page 5 of 10 .5,r+ HISCOX HISCOX INSURANCE COMPANY INC. (A Stock Company) encourage courage' 104 South Michigan Avenue, Suite 600, Chicago, Illinois, 60603 (914)273-7400 Businessowners Insurance for Training (business, vocational or life skills) DECLARATIONS - Effective 01/22/2024 (updates denoted by *) v3 Standard Package Coverage Upgrades Limit of insurance Crime $25,000 Each occurrence, $25,000 Aggregate Deductible: $1,000 All limits applicable to the Coverage Upgrades shown above are in addition to, and not a part of, any other Policy Limit stated in Item 4 above. Coverage under the above Coverage Upgrades is provided by endorsement to the policy. Purchased Coverage Upgrades maybe subject to unique terms and conditions. Please review all Coverage Upgrades thoroughly. BOP D0001A CW (11/19) Page 6 of 10 HISCOX HISCOX INSURANCE COMPANY INC. (A Stock Company) encourage courage® 104 South Michigan Avenue, Suite 600, Chicago, Illinois, 60603 (914)273-7400 Businessowners Insurance for Training (business, vocational or life skills) DECLARATIONS - Effective 01/22/2024 (updates denoted by *) v3 Standard Package Optional Coverages Limit of insurance Advertising expense to regain customers $2,500 aggregate (Shared) Backup or overflow of a sewer, drain or sump $10,000 aggregate (Shared) Brand & labels $5,000 aggregate (Shared) Business income - denial of access to premises Business income/extra expense: Actual Loss up to 14 days Extra Expense Days:14 Period of Restoration Maximum Consecutive Days: 14 Waiting Period: 72 Business income for websites $10,000 aggregate (Shared) Waiting Period: 72 hours Contingent transit business income and extra expense $2,500 aggregate Contractual penalties coverage $5,000 each occurrence (Shared) Electronic vandalism $2,500 each occurrence, $2,500 aggregate (Shared) $2,500 computer software each occurrence $2,500 computer software aggregate Employee dishonesty $5,000 each occurrence (Shared) Equipment breakdown coverage $5,000 each occurrence (Shared) Expediting Expenses Sublimit: $5,000 Fungi Sublimit: $5,000 Hazardous Substances Sublimit: $5,000 Data Sublimit: $5,000 PR Sublimit: $5,000 Spoilage Sublimit: $5,000 Expediting expenses $10,000 each occurrence (Shared) Fine arts coverage extension $5,000 each occurrence (Shared) Hired & non -owned auto liability (HNOA) $1,000,000 each occurrence (Shared) Deductible: $0 each occurrence Money and securities coverage On premises: $10,000 each occurrence (Shared) Off premises: $10,000 each occurrence (Shared) Ordinance or law coverage (undamaged portion of building; demolition cost; tenants' improvements and betterments) Demolition Cost: $10,000 each building Demolition Cost and Increased Cost of Construction Coverages Combined: $10,000 each building Tenants' Improvements and Betterments: $10,000 each building BOP D0001A CW (11/19) Page 7 of 10 40. HISCOX HISCOX INSURANCE COMPANY INC. (A Stock Company) encourage courage' 104 South Michigan Avenue, Suite 600, Chicago, Illinois, 60603 (914)273-7400 Businessowners Insurance for Training (business, vocational or life skills) DECLARATIONS — Effective 01/22/2024 (updates denoted by *) v3 Standard Package Outdoor signs $10,000 each occurrence (Shared) Sales representative samples $10,000 aggregate Unauthorized business credit card use $1,000 each occurrence (Shared) Utility Services — time element & direct damage Utility services interruption limit (Direct damage): $10,000 each occurrence (Shared) Utility services interruption limit (Time element): $10,000 each occurrence Waiting Period: 24 hours Worldwide property coverage with portable electronic devices sublimit $10,000 each occurrence (Shared) Portable devices sublimit: $5,000 each occurrence (Shared) All coverages designated as —shared" are a part of, and not in addition to, the applicable Policy Limit stated in Item 4 above. Coverage under the above Optional Coverages is afforded by endorsement to the policy. Purchased Optional Coverages maybe subject to unique terms and conditions. Please review all endorsements thoroughly. BOP D0001A CW (11/19) Page 8 of 10 rt. HISCOX HISCOX INSURANCE COMPANY INC. (A Stock Company) encourage courage. 104 South Michigan Avenue, Suite 600, Chicago, Illinois, 60603 (914)273-7400 Businessowners Insurance for Training (business, vocational or life skills) DECLARATIONS - Effective 01/22/2024 (updates denoted by *) v3 Standard Package IN WITNESS WHEREOF, the Insurer indicated above has caused this Policy to be signed by its President and Secretary, but this Policy shall not be effective unless also signed by the Insurer's duly authorized representative. President Secretary Authorized Representative Kevin Kerridge December 10, 2023 Hiscox Inc. BOP D0001A CW (11/19) Page 9 of 10 4O HISCOX HISCOX INSURANCE COMPANY INC. (A Stock Company) encourage courage' 104 South Michigan Avenue, Suite 600, Chicago, Illinois, 60603 (914)273-7400 Businessowners Insurance for Training (business, vocational or life skills) DECLARATIONS — Effective 01/22/2024 (updates denoted by *) v3 Standard Package Schedule of Endorsements NUMBER TITLE GENERAL (APPLICABLE TO MORE THAN ONE COVERAGE PART) BOP D0001A CW (11/19) BOP P0001A CW (11/19) BOP E1000 CW (07/20) BOP E1007 CW (11/19) BOP E1008 CW (11/19) BOP E1009 CW (11/19) BOP E1020 CW (07/20) BOP E9004 CO (11/19) BOP E1021 CW (03/23) BOP E1022 CW (10/21) INT N001 CW (01/09) INT N002 CO (03/09) INT N003 CW (01/19) BOP-BPP P0001A CW (06/20) BOP-BPP E9203 CO (11/19) BOP-INTPROP E4013 CW (11/19) BOP -GL P0001A CW (11/19) BOP -GL E5018 CW (11/19) BOP -GL E5025 CW (11/19) BOP -GL E5029 CW (11/19) BOP -GL E5037 CW (11/19) BOP -GL E5038 CW (11/19) BOP -GL E5039 CW (11/19) BOP -GL E5048 CW (11/19) BOP -GL E5060 CW (11/19) Businessowners Declarations BOP General Terms and Conditions Coverage Upgrade Endorsement - Standard Cap on Losses from Certified Acts of Terrorism Disclosure Pursuant To Terrorism Risk Insurance Act Cancellation Endorsement (14 Day Full Refund) Communicable Disease Exclusion COLORADO Amendatory Endorsement War, Civil War, Cyberwarfare, and NCBR Exclusion Endorsement Nuclear Hazard and Nuclear Incident Exclusion Clause -Liability -Direct (Broad) Economic And Trade Sanctions Policyholder Notice Important Notice to Colorado Policyholders Policyholder Notice Electronic Delivery BUSINESS PERSONAL PROPERTY COVERAGE PART BOP Business Personal Property Coverage Part COLORADO Amendatory Endorsement Unmanned Aircraft Exclusion (Property) BOP GENERAL LIABILITY COVERAGE PART BOP General Liability Coverage part Amend Damage to Property Exclusion (Exclude Damage to Primary Residence) Blanket Additional Insured - Clients and Lessors of Premises Cannabis Operations Exclusion Fungi or Bacteria Exclusion Hired and Non -Owned Auto Liability Endorsement Insured vs. Insured Product Suits Exclusion Physical or Sexual Abuse or Molestation Exclusion Unmanned Aircraft Exclusion (GL) COVERAGE UPGRADES BOP-INTPROP E4001 CW (07/20) Crime Coverage Upgrade BOP D0001A CW (11/19) Page 10 of 10 Hiscox Insurance Company Inc. Endorsement 1 NAMED INSURED: Wonder Years "A HISCOX encourage courage* General Coverage Upgrade Endorsement - Standard Page 1 of 24 In consideration of the premium charged, and on the understanding this endorsement leaves all other terms, conditions, and exclusions unchanged, it is agreed: Loc # SCHEDULE Bldg # and Description Building Owner(s) Name and Address: 1 Building 1 N /A If there is no location information specified in the Schedule above, the coverage provided in this Endorsement will apply to all locations where you perform your business operations. By purchasing this Endorsement, we have increased the limit(s) stated below and in the Declarations for the corresponding coverage you purchased. The applicable limits in the column titled "Limit of Insurance" reflect the increased coverage you purchased in this Endorsement. The limits applicable to the coverages included in this Endorsement may: A. be either a part of, or in addition to, the applicable Limit of Insurance. B. apply separately to each location indicated in the Schedule above, or an a occurrence basis. C. may apply to coverage already present in the Coverage Part(s) or to coverage added via this Endorsement and described below. For application of the limits, refer to each coverage within this Endorsement and your Declarations page. All coverages described in this Endorsement are subject to the terms and conditions applicable to this policy, unless stated otherwise. Coverage Limit of insurance: Theft of furs, fur garments, and garments trimmed with fur: $2,500 Each occurrence Theft of jewelry, watches, and similar: $2,500 Each occurrence Theft of patterns, dies, molds, and forms: $2,500 Each occurrence Additional Coverages Limit of insurance: Business income: Actual Loss up to 12 months Period of restoration: 12 months Waiting period: 72 hours Business income from dependent properties: $5,000 Each occurrence Period of restoration: 12 months Waiting period: 72 hours Civil authority: Actual Loss up to 30 days Waiting period: 72 hours Extended business income: Actual Loss up to 30 days BOP E1000 CW (07/20) Includes copyrighted material of Insurance Services Office, Inc. with its permission Hiscox Insurance Company Inc. Endorsement 1 NAMED INSURED: Wonder Years General Coverage Upgrade Endorsement - Standard •1,A HISCOX encourage courage. Page 2 of 24 Interruption of computer operations: $10,000 Aggregate Period of restoration: 6 months Waiting period: 72 hours Electronic data: $10,000 Aggregate (Shared) Extra expense: Actual Loss up to 12 months Period of restoration: 6 months Waiting period: 72 hours Forgery or alteration: $5,000 Each occurrence (Shared) Glass: $10,000 Each occurrence Money orders and counterfeit money: $5,000 Each occurrence (Shared) Coverage Extensions Limit of insurance; Accounts receivable: $10,000 Each occurrence (Shared) Lock and key replacement: $2,500 Each occurrence (Shared) Newly acquired property: $100,000 per building Personal effects: $10,000 Each occurrence (Shared) Temporary business resumption expenses: $10,000 Each occurrence (Shared) Valuable papers and records: $10,000 Each occurrence (Shared) Optional Coverages Limit of Insurance: Advertising expense to regain customers $2,500 aggregate (Shared) Backup or overflow of a sewer, drain or sump $10,000 aggregate (Shared) Brand & labels $5,000 aggregate (Shared) Business income - denial of access to premises Business income/extra expense: Actual Loss up to 14 days Extra Expense Days: 14 Period of Restoration Maximum Consecutive Days: 14 Waiting Period: 72 Business income for websites $10,000 aggregate (Shared) Waiting Period: 72 hours Contingent transit business income and extra expense $2,500 aggregate Contractual penalties coverage $5,000 each occurrence (Shared) Electronic vandalism $2,500 each occurrence, $2,500 aggregate (Shared) $2,500 computer software each occurrence $2,500computer software aggregate BOP E1000 CW (07/20) Includes copyrighted material of Insurance Services Office, Inc. with its permission Hiscox Insurance Company Inc. Endorsement 1 NAMED INSURED: Wonder Years General Coverage Upgrade Endorsement - Standard "A HISCOX encourage courage° Page 3 of 24 Employee dishonesty $5,000 each occurrence (Shared) Equipment breakdown coverage $5,000 each occurrence (Shared) Expediting Expenses Sublimit: $5,000 Fungi Sublimit: $5,000 Hazardous Substances Sublimit: $5,000 Data Sublimit: $5,000 PR Sublimit: $5,000 Spoilage Sublimit: $5,000 Expediting expenses $10,000 each occurrence (Shared) Fine arts coverage extension $5,000 each occurrence (Shared) Money and securities coverage On premises: $10,000 each occurrence (Shared) Off premises: $10,000 each occurrence (Shared) Ordinance or law coverage (undamaged portion of building; demolition cost; tenants' improvements and betterments) Demolition Cost $10,000 each building Demolition Cost and Increased Cost of Construction Coverages Combined: $10,000 each building Tenants' Improvements and Betterments: $10,000 each building Outdoor signs $10,000 each occurrence (Shared) Sales representative samples $10,000 aggregate Unauthorized business credit card use $1,000 each occurrence (Shared) Utility Services — time element & direct damage Utility services interruption limit (Direct damage): $10,000 each occurrence (Shared) Utility services interruption limit (Time element): $10,000 each occurrence Waiting Period: 24 hours Worldwide property coverage with portable electronic devices sublimit $10,000 each occurrence (Shared) Portable devices sublimit: $5,000 each occurrence (Shared) The Business Personal Property Coverage Part is amended as follows: Contingent Transit Business Income and Extra Expense (BPP) The following is added to the end of Section II. Additional coverages: BOP E1000 CW (07/20) Includes copyrighted material of Insurance Services Office, Inc. with its permission Hiscox Insurance Company Inc. NAMED INSURED: Wonder Years Endorsement 1 HISCOX encourage courage® General Coverage Upgrade Endorsement - Standard Page 4 of 24 Contingent transit business income and extra expense CT -A. income loss and extra expense during the period of restoration because you are unable to continue your business activities for a period longer than the waiting period due to direct physical damage to or loss of business personal property of others caused by or resulting from a covered cause of loss that first commences during the policy period, while such property is: 1. in the course of shipment to or from any location where you perform business operations, including while such shipment is temporarily stopped or delayed, incidental to the delivery; and 2. not in your care, custody, or control. Electronic Vandalism (BPP) The following is added to the end of Section II. Additional coverages: Electronic vandalism EV-A. direct physical loss of or damage to covered computer equipment caused by electronic vandalism that first commences during the policy period. The most we will pay for loss of or damage to computers or software under this Additional coverage is the Computer and Software Limit shown in the Schedule above, which is a part of, and not in addition to, the Electronic Vandalism Limit. The most we will pay for all loss or damage covered under this Additional coverage is the Electronic Vandalism Limit shown in the Schedule above. If an occurrence begins in one policy period and continues into or results in additional loss or damage in a subsequent policy period, then we will deem all resulting loss or damage to have been sustained in the policy period in which the occurrence began. II. In Section VIII. Definitions , in the definition of "Covered property" the following is added to the end of part 8 (if you have purchased the Buildings and Business Personal Property Coverage Part) or part h (if you have purchased the Business Personal Property Coverage Part): This paragraph also does not apply to the coverage provided in Additional coverage EV-A. Electronic vandalism. III. Solely with respect to the coverage provided by this Endorsement, in Section VII. Exclusions — What we will not pay, the following is added to the end of the "Cyber incident" exclusion: This exclusion also does not apply to the coverage provided in Additional coverage EV-A. Electronic vandalism. IV. Solely with respect to the coverage provided by this Endorsement, the following exclusions are added to Section VII. Exclusions — What we will not pay: EV-A. BOP E1000 CW (07/20) We will not pay for: 1. loss of proprietary use of any electronic data or proprietary programs that have been copied, scanned, or altered; 2. loss of or reduction in the economic or market value of any electronic data or proprietary programs that have been copied, scanned, or altered; and Includes copyrighted material of Insurance Services Office, Inc. with its permission Hiscox Insurance Company Inc. HISCOX encourage courage° Endorsement 1 NAMED INSURED: Wonder Years General Coverage Upgrade Endorsement - Standard Page 5 of 24 3. the theft of confidential information, including customer information, processing methods, or trade secrets, from your electronic data or proprietary programs by access to covered computers and the observation of such electronic data or proprietary programs, provided that the records or programs are not altered, damaged, or suffer physical loss. V. In Section VIII. Definitions, the following is added to the end of the definition of "Computers": However, solely with respect to Additional coverage EV-A. Electronic vandalism, computers does not include diagnostic equipment, electronic items that contain a computer and perform other functions, and peripheral data processing equipment that is valued more than the computer itself. VI. Solely with respect to the coverage provided by this Endorsement, the following definitions are added to Section VIII. Definitions: Computer equipment means computers, software, and protection control equipment located at a location identified in the Schedule of Described Premises in the Declarations. Computer equipment does not include any computer equipment used to operate production machinery or equipment. Electronic vandalism means computer hacking, computer virus, harmful code, or similar instructions introduced into or enacted on a computer system or a network to which it is connected that is intended to damage or destroy any part of the system or disrupt its normal operation. However, electronic vandalism does not include the theft of any property or services. Media means an instrument that is used with computers and can record or store electronic data, operating programs and applications, or proprietary programs. Media includes hard or floppy disks, CD-ROMs, tapes, drives, cells, films, cards, drums, cartridges, DVDs, and other portable data devices. Software means: 1. media; 2. electronic data; 3. operating programs and applications that you purchased and which are stored on media or pm -installed and stored in computers; and 4. proprietary programs. Proprietary programs means proprietary operating programs and applications that you developed specifically for use in your business operations and which are: 1. stored on media; or 2. installed and stored in computers. Protection and control equipment BOP E1000 CW (07/20) means: 1. air conditioning or other cooling equipment used exclusively for the operation of computers; 2. fire protection equipment used for the protection of computers; and 3. uninterruptible power supply systems, line conditioners, and voltage regulators. Includes copyrighted material of Insurance Services Office, Inc. with its permission Hiscox Insurance Company Inc. HISCOX encourage courage. Endorsement 1 NAMED INSURED: Wonder Years General Coverage Upgrade Endorsement - Standard Page 6 of 24 Equipment Breakdown Coverage (BPP) The following is added to Section II. Additional coverages: Equipment breakdown EB-A. we will pay the following amounts that directly result from electronic circuitry impairment or equipment breakdown: 1. physical loss of or damage to covered property; 2. necessary and reasonable additional costs you incur to: a. make temporary repairs to; and b. expedite permanent repairs or permanent replacement of, damaged or lost covered property, up to $5,000; 3. additional costs you incur to repair, replace, clean up, or dispose of covered property because of contamination by fungi, wet rot, or dry rot. However, we will only pay the additional costs above the amount that would have been payable had no fungi, wet rot, or dry rot been involved; and b. costs you incur for testing performed after the covered property is repaired or replaced if there is reason to believe that fungi, wet rot, or dry rot is present, up to $5,000 for any one equipment breakdown. However, we will not pay for: i. spoilage of perishable goods under this subsection EB-A to the extent that such spoilage is covered under any Spoilage Additional coverage or Coverage extension; or ii. damage to lawns, trees, shrubs, or plants that are a part of a vegetated roof; 4. additional costs you incur to repair, replace, clean up, or dispose of covered property because of contamination by a substance that is hazardous to health or has been declared to be hazardous to health by a governmental agency, up to $5,000. We will only pay the additional costs above the amount that would have been payable had a hazardous substance not been involved. However, we will not pay for contamination of perishable goods by refrigerant or ammonia; 5. reasonable and necessary costs you incur to research, replace, and restore lost electronic data, including such costs you incur due to direct physical damage to or loss of your covered property, other than money, securities, valuable papers and records, or accounts receivable, while such covered property is in the course of transit or at a premises you do not own, lease, or operate, up to $5,000; 6. reasonable costs you incur for professional services to create and disseminate communications to: the media; BOP E1000 CW (07/20) Includes copyrighted material of Insurance Services Office, Inc. with its permission Hiscox Insurance Company Inc. HISCOX encourage courage. Endorsement 1 NAMED INSURED: Wonder Years General Coverage Upgrade Endorsement - Standard Page 7 of 24 b. the public; or c. your customers, clients, or members, up to $5,000, provided that: i. the need for such communications arises directly from the interruption of your business; ii. you have sustained an actual income loss; and iii. such costs have been incurred during the period of restoration or up to 30 days after the period of restoration has ended. 7. physical damage to perishable goods due to spoilage or to contamination from the release of refrigerant, including ammonia; and b. any reasonable and necessary costs you incur to mitigate such physical damage, provided that the costs do not exceed the amount of loss that otherwise would have been payable under this coverage, Utility services (Equipment breakdown) up to $5,000. If you are unable to replace the perishable goods before their anticipated sale, the amount we will pay will be determined based on the sales price of the perishable goods at the time of the equipment breakdown or electronic circuitry impairment, less any discounts and expenses you otherwise would have had. The most we will pay under this subsection EB-A will be the limits stated in the Schedule above, which will be a part of, and not in addition to the applicable limits of liability. EB-B. we will pay loss, damage, or expenses that directly result from equipment breakdown to utility equipment which causes an interruption or failure in utility services, provided that such loss, damage, or expenses would otherwise be covered under: 1. Additional coverage A. Business income; 2. Additional coverage C. Electronic data, including any electronic data stored in the equipment of a cloud computing services provider; 3. Additional coverage D. Extra expense; or 4. part 7 of subsection EB-A. Equipment breakdown, above. The coverage provided under parts 1 and 2 of this subsection EB-B will apply only if the failure or disruption in utility services exceeds 24 hours immediately following the equipment breakdown. If the disruption or interruption exceeds 24 hours, coverage under parts 1 and 2 above will begin at the time of the disruption, subject to any applicable deductible. The most we will pay under this subsection EB-B for any one equipment breakdown will be the limits stated in the Declarations for Additional coverages A. Business income, C. Electronic data, D. Extra expense, and EB-A. Equipment breakdown. II. The following is added to the end of Section II. Additional coverages, A. Business income, 2. Business income from dependent properties is deleted in its entirety and replaced with the following: BOP E1000 CW (07/20) Includes copyrighted material of Insurance Services Office, Inc. with its permission Hiscox Insurance Company Inc. HISCOX encourage courage* Endorsement 1 NAMED INSURED: Wonder Years General Coverage Upgrade Endorsement - Standard Page 8 of 24 This subsection A.2. does not apply to any income loss you sustain as a result of electronic circuitry impairment. III. In Section VIII. Definitions, in the definition of "Covered property" the following is added to the end of paragraph 9 (if you have purchased the Buildings and Business Personal Property Coverage Part) or paragraph I (if you have purchased the Business Personal Property Coverage Part): This paragraph also does not apply to loss or damage that is otherwise covered under Additional coverage EB-A. Equipment Breakdown or Additional coverage EB-B. Utility services (Equipment breakdown). IV. The following is added to the end of Section VII. Exclusions — What we will not pay, A.2, the "Fungi, wet rot, or dry rot" exclusion: However, this exclusion will not apply to Additional coverage EB-A. Equipment breakdown, parts 3 and 7. V. The following is added to the end of Section VII. Exclusions — What we will not pay, A.8, the "Water" exclusion: However, if any loss or damage to electrical covered equipment is caused by or results from the events described above, we will pay for the direct expenses you incur to dry out the electrical covered equipment, provided that such amounts are otherwise covered under Additional coverage EB-A. Equipment breakdown. VI. The following is added to the end of Section VII. Exclusions — What we will not pay, Exclusion A.5 "Utility services", Exclusion B.14 "Electrical apparatus", Exclusion B.15 "Electrical disturbance, Exclusion B.22 "Pollution", and Exclusion B.24 "Steam apparatus": This exclusion will not apply to any costs, loss, damages, or expenses that are otherwise covered under Additional coverage EB-A. Equipment Breakdown or Additional coverage EB-B. Utility services (Equipment breakdown). VII. In Section VII. Exclusions — What we will not pay, Exclusion B.21, "Other types of loss", paragraph a is deleted in its entirety and replaced with the following: e. mechanical breakdown, including rupture or bursting caused by centrifugal force however, this exclusion will not apply to the breakdown of computers or to the extent any loss or damage is otherwise covered under Additional coverage EB-A. Equipment breakdown or Additional coverage EB-B. Utility services (Equipment breakdown); or VIII. Solely with respect to the coverage provided by this Endorsement, the following is added to the end of Section VII. Exclusions — What we will not pay: Equipment breakdown EB-1. We will not pay for loss, damage, or expense caused by or resulting from any exclusions hydrostatic, pneumatic, or gas pressure test of any boiler or pressure vessel, or any electrical insulation breakdown test of any type of electrical equipment. EB-2. Solely with respect to the Business income, Extra expense, and Utility services Additional coverages, we will not pay for: a. loss caused by your failure to use due diligence and dispatch, and all reasonable means to resume business; or b. any increase in loss resulting from an agreement between you and your customer or supplier. EB-3. We will not pay for loss, damage, or expense caused by or resulting from: a. fire or water or other means used to extinguish a fire; b. explosion of gas or unconsumed fuel within the furnace of any boiler or fired vessel or within the passages from that furnace to the atmosphere; BOP E1000 CW (07/20) Includes copyrighted material of Insurance Services Office, Inc. with its permission Hiscox Insurance Company Inc. HISCOX encourage courage® Endorsement 1 NAMED INSURED: Wonder Years General Coverage Upgrade Endorsement - Standard Page 9 of 24 c. any other explosion, except as otherwise covered under the Equipment breakdown Additional coverage; d. vandalism; e. lightning, smoke, aircraft or vehicles, riot or civil commotion, sprinkler leakage, or elevator collision; f. windstorm or hail. However, this exclusion will not apply if: i. covered equipment that is located within a building or structure suffers equipment breakdown or electronic circuitry impairment that results from wind-blown rain, snow, sand, or dust; and ii. the building or structure did not first sustain wind or hail damage to its roof or walls through which the rain, snow, or dust entered; or breakage of glass, failing objects, freezing caused by cold weather, collapse, molten material, or the weight of snow, ice, or sleet; 9. However, parts e, f, and g above will not apply if: i. the excluded cause of loss occurs away from any location described in the Schedule of Described Locations in the Declarations and causes an electrical surge or other electrical disturbance; ii. the surge or disturbance is transmitted through utility service transmission lines to a location described in the Schedule of Described Locations in the Declarations, which results in equipment breakdown or electronic circuitry impairment; and iii. the loss, damage, or expense caused by the surge or disturbance is not otherwise covered under this policy. EB-4. We will not pay for any loss or damage to animals. IX. The following definitions are added to the end of Section VIII. Definitions: Cloud computing means professional, on -demand, self-service data storage or data processing services services that are provided through the internet or over telecommunications lines, including: 1. IaaS (infrastructure as a service), SaaS (software as a service), and NaaS (network as a service); 2. public cloud, community cloud, and hybrid cloud business models; or 3. private cloud business models, but only if the services are owned and operated by a third party, which are performed for you by a professional provider under written contract. Covered equipment means covered property that is electrical or mechanical equipment that generates, transmits, or utilizes energy, including electronic communications equipment and computers, or other equipment built to operate under internal pressure or vacuum. BOP E1000 CW (07/20) However, covered equipment does not include any: 1. electronic data; 2. insulating or refractory material; Includes copyrighted material of Insurance Services Office, Inc. with its permission Hiscox Insurance Company Inc. Endorsement 1 NAMED INSURED: Wonder Years •1,A HISCOX encourage courage. General Coverage Upgrade Endorsement - Standard Page 10 of 24 3. covered property that is mounted on or used solely with any land motor vehicle(s), aircraft, satellites, spacecraft, or water craft; 4. dragline, excavation, or construction equipment or any covered property that is mounted on or used solely with any such dragline, excavation, or construction equipment; 5. equipment or any part of such equipment manufactured by you for sale; 6. water piping, boiler condensate return piping, or water piping forming a part of a refrigeration or air conditioning system; or 7. structure, foundation, cabinet, compartment, or air supported structure or building. Electronic circuitry means microelectronic components, including circuit boards, integrated circuits, computer chips, and disk drives. Electronic circuitry means a fortuitous event involving electronic circuitry within covered equipment that impairment you own, operate, or lease, which causes the covered equipment to suddenly lose its ability to function as it had been functioning immediately before the event. We will determine whether the reasonable and appropriate remedy to restore the covered equipment's ability to function is the replacement of one or more electronic circuitry components of such covered equipment. Equipment breakdown BOP E1000 CW (07/20) Electronic circuitry impairment does not include: 1. any condition that can be corrected by: a. the performance of maintenance, including the replacement of expendable parts, recharging batteries, or cleaning; b. rebooting, reloading, or updating software or firmware; or c. providing necessary power or supply; or 2. any condition caused by or related to a. incompatibility of the covered equipment with any software or equipment that was installed, introduced, or networked within 30 days of the event; b. insufficient size, capability, or capacity of the covered equipment; or c. exposure to adverse environmental conditions, including but not limited to changes in temperature or humidity, unless such conditions result in an observable loss of functionality. Loss of warranty will not be considered an observable loss of functionality. means one of the following events that fortuitously causes direct physical damage to covered equipment: 1. mechanical breakdown, including rupture or bursting caused by centrifugal force; 2. artificially generated electrical current, including electrical arcing that damages electrical devices, appliances, or wires; 3. an explosion of a steam boiler, steam pipe, steam turbine, or steam engine that you own, operate, or lease; 4. physical loss or damage to a steam boiler, steam pipe, steam turbine, or steam engine caused by or resulting from any condition or event within such equipment; 5. physical loss or damage to hot water boilers or any other equipment for heating water caused by or resulting from any condition or event within such equipment; or 6. bursting, cracking, or splitting. Includes copyrighted material of Insurance Services Office, Inc. with its permission Hiscox Insurance Company Inc. HISCOX encourage courage® Endorsement 1 NAMED INSURED: Wonder Years General Coverage Upgrade Endorsement - Standard Page 11 of 24 Equipment breakdown does not include: (i) malfunction, including adjustment, alignment, calibration, cleaning, modification, or any condition that can be corrected by the performance of maintenance; or (ii) manufacturing defects, erasures, errors, limitations, malicious code, loss of data, loss of access, loss of use, loss of functionality, viruses, or any other condition within computers. Perishable goods means personal property maintained under controlled conditions for its preservation, and which is susceptible to loss or damage if the controlled conditions change. Utility equipment means: 1. electrical or mechanical equipment which generates, transmits, or utilizes energy, including overhead transmission lines, electronic communications equipment, and computers; or 2. other equipment built to operate under internal pressure or vacuum, that is owned or leased by a utility, landlord, a landlord's utility, or other supplier that provides you with electrical power, waste disposal, air conditioning, refrigeration, heating, natural gas, compressed air, water, steam, internet access, telecommunications, wide area networks, data transmission, or cloud computing services. X. Solely with respect to the coverage provided by this endorsement, the following is added to the end of Section IX. Other provisions affecting coverage: Environmental, EB-A. If any covered equipment requires replacement due to an equipment safety, and efficiency breakdown or electronic circuitry impairment, we will pay the additional costs improvements you incur to replace such covered equipment with equipment that is better for the environment, safer for people, or more energy or water efficient. However, we will not pay for any increase in size or capacity or for more than 150% of what the cost would have been to replace the covered equipment with like kind and quality. This condition will not increase any of the applicable limits and will not apply to the replacement of component parts or the replacement of any property for which we have agreed to pay actual cash value pursuant to Section V. How loss is paid. EB-B. If any covered equipment requires inspection to comply with state or municipal boiler and pressure vessel regulations, we agree to perform such inspection on your behalf. However, we do not warrant that any conditions are safe or healthful. EB-C. If any covered equipment is found to be in or exposed to a dangerous condition, we may immediately suspend the insurance for loss provided under part I of this Endorsement to that covered equipment. We may suspend the insurance by mailing or delivering a written notice of suspension to: 1. your last known address; 2. the address where the covered equipment is located; or 3. as otherwise required by any applicable law governing notification of suspension. Jurisdictional inspection Suspension BOP E1000 CW (07/20) Once suspended, your insurance for such covered equipment can only be reinstated by an endorsement specifically adding the covered equipment. If we suspend your insurance, you will receive a pro rata refund of the premium attributable to the covered equipment for the period of suspension. However, the suspension will be effective whether or not we have made or offered a refund. Includes copyrighted material of Insurance Services Office, Inc. with its permission Hiscox Insurance Company Inc. HISCOX encourage courage° Endorsement 1 NAMED INSURED: Wonder Years General Coverage Upgrade Endorsement - Standard Page 12 of 24 Fine Arts Coverage Extension (BPP) I. The following is added to the end of Section III. Coverage extensions: Fine arts FA -A. direct physical damage to or loss of fine arts up to the limit(s) stated in the Schedule above caused by or resulting from any covered cause of loss first commencing during the policy period. The limit stated in the Schedule above is the most we will pay for each occurrence, regardless of the number of locations or buildings involved. Coverage under this subsection FA -A. will apply only to fine arts which are: 1. your property or in your care, custody, or control and which are at a location identified in the Schedule of Described Premises in the Declarations; 2. temporarily on display or on exhibit away from a location identified in the Schedule of Described Premises in the Declarations; or 3. in transit between a location identified in the Schedule of Described Premises in the Declarations and a location where the fine arts will be temporarily on display or exhibit. II. In Section V. How loss is paid, B. Payment of loss and valuation, 1. Payment of value, part e (if you have purchased the Business Persona Property Coverage Part) or part f (if you have purchased the Buildings and Business Personal Property Coverage Part) is deleted in its entirety and replaced with the following: works of art, antiques, or rare articles, including etchings, pictures, statuary, marble, bronzes, porcelain, and bric-a- brac, except if otherwise covered under Coverage extension FA -A. Fine arts. III. Solely with respect to the coverage provided by this Endorsement, the following is added to the end of Section V. How loss is paid, "Payment of loss and valuation", in the provision beginning with the words, "For the following items, we will take the following into consideration when adjusting the loss": FA -1. Fine arts: In the event of physical damage to or loss of fine arts, we will pay the least of the following amounts: a. the market value of the fine arts at the time of the loss or damage; b. the reasonable cost to repair or restore the fine arts to their condition immediately before the covered loss or damage; or c. the cost of replacing the fine arts with substantially identical property. IV. Solely with respect to the coverage provided by this Endorsement, Section VII. Exclusions —What is not covered, the "Earth movement" and "Water" exclusions are deleted in their entirety. V. Solely with respect to the coverage provided by this Endorsement, the following exclusion is added to Section VII. Exclusions — What is not covered: FA -A. We will not pay for any loss or damage caused by or resulting from: BOP E1000 CW (07/20) Includes copyrighted material of Insurance Services Office, Inc. with its permission Hiscox Insurance Company Inc. Endorsement 1 NAMED INSURED: Wonder Years n,A HISCOX encourage courage° General Coverage Upgrade Endorsement - Standard Page 13 of 24 1. breakage of any statuary, glassware, bric-a-brac, marble, porcelain, or similar fragile property. However, this exclusion will not apply to any loss or damage that is directly caused by a specified causes of loss, earthquake, or flood; or 2. any repair, restoration, or retouching of the fine arts. VI. Solely with respect to the coverage provided by this Endorsement, the following definitions are added to the end of Section VIII. Definitions: Fine arts means paintings, etchings, pictures, tapestries, rare art glass, art glass windows, valuable rugs, statuary, sculptures, antique jewelry, bric-a-brac, porcelains and similar property of rarity, historical value, or artistic merit. In transit means in the course of shipment to or from a location identified in the Schedule of Described Premises in the Declarations, including while such shipment is temporarily stopped or delayed incidental to the delivery. Advertising Expense To Regain Customers The following is added to the end of Section III. Coverage extensions: Advertising expense to regain customers AD -A. reasonable and necessary advertising expenses you incur within 60 days after the end of the period of restoration to regain customer faith and approval following the interruption to your business operations for a period longer than the waiting period due to direct physical damage to or loss of covered property caused by or resulting from any covered cause of loss, triggering coverage under Additional coverage Al.. Business income. Backup or Overflow of a Sewer, Drain, or Sump I. The following is added to the end of Section III. Coverage extensions: Backup or overflow of a BU -A. direct physical loss or damage to covered property at the described premises, sewer, drain, or sump caused by or resulting from any covered cause of loss first commencing during the policy period, provided that such loss or damage is due to water or waterborne material carried or moved by water that backs up or overflows or is otherwise discharged from a sewer, drain (including a roof drain and its related fixtures), sump, sump pump or related equipment. II. The "Water" exclusion in Section VII. Exclusions — What we will not pay, will not apply to the coverage afforded by this Endorsement. III. Solely with respect to the coverage afforded by this Endorsement, the following exclusion is added to the end of part A in VII. Exclusions — What we will not pay: Sewer backup exclusions SB-A loss or damage from: 1. water or other materials that back-up or overflow from any sewer or drain, sump, sump pump or related equipment when it is caused by or results from any flood, regardless of the proximity of the back-up or overflow to the flood condition. BOP E1000 CW (07/20) Includes copyrighted material of Insurance Services Office, Inc. with its permission Hiscox Insurance Company Inc. HISCOX encourage courage. Endorsement 1 NAMED INSURED: Wonder Years General Coverage Upgrade Endorsement - Standard Page 14 of 24 2. the failure to keep a sump pump or its related equipment in proper working condition; or 3. the failure to perform routine maintenance or repair necessary to keep a sewer or drain free from obstructions. Brands and Labels Coverage The following is added to the end of Section III. Coverage extensions: Brands and labels BL -A. reasonable and necessary costs you incur to remove a brand or label and then relabel covered property to comply with any applicable law, provided that we elect to take such covered property at an agreed or appraised value and that it was damaged by a covered cause of loss first commencing during the policy period. We will also pay: 1. reasonable and necessary costs to label or stamp such property as salvage, if doing so will not physically damage the property; and 2. the reduction in the salvage value of the damaged property due to the removal of the brand or label. Any payment made under this coverage extension BL -A will not increase the limit of liability. Contract Penalties Coverage Endorsement The following is added to the end of Section III. Coverage extensions: Contract penalties CP-A. contract penalties you are required to pay due to your failure to provide your product or service according to contract terms because of direct physical loss or damage to covered property caused by or resulting from a covered cause of loss first commencing during the policy period. The most we will pay for all such penalties is the Contract Penalties Limit identified in the Schedule above, which will a part of, and not in addition to, any applicable limit of liability. Coverage for Business Income from Websites I. The following is added to the end of Section III. Coverage extensions: Business income from websites BOP E1000 CW (07/20) BI -A. loss of business income and necessary and reasonable extra expense for a suspension of operations longer than the waiting period, caused by direct physical loss or damage to property that: 1. you depend on for website and communications services; and 2. is caused by a covered cause of loss first commencing during the policy period, for up to 7 days immediately following such covered cause of loss; provided, however, that this subsection BI -A will not apply to websites unless a duplicate or back-up copy of Includes copyrighted material of Insurance Services Office, Inc. with its permission Hiscox Insurance Company Inc. HISCOX encourage courage' Endorsement 1 NAMED INSURED: Wonder Years General Coverage Upgrade Endorsement - Standard Page 15 of 24 such website is stored at a location at least 1,000 feet from the premises of the vendor providing the website and communications services. The most we will pay under this subsection BI -A is the aggregate limit stated in the Schedule above. Such amounts will be a part of, and not in addition to, the applicable Limit of liability. II. Solely with respect to the coverage afforded by this Endorsement, in Section VII. Definitions, the following definitions of "waiting period" is deleted in its entirety and replaced with the following: Waiting period means the number of hours stated as such on the above Schedule commencing from the date and time on which the initial interruption to your business activities occurs. III. The following definition is added to the end of VIII. Definitions: Website and means: communications services 1. internet access, email, web hosting, value added network services and application software services at the premises of others; or 2. network and router infrastructure services, including cable and wireless, located more than 1,000 feet from your premises. Denial of Access to Premises I. The following is added to the end of Section II. Additional coverages, A. Business income: DN-1. Denial of access to premises: income loss and extra expense up to the limit stated in the Schedule above directly caused by the prevention of access to or from the location where you perform your business activities due to direct physical damage to or loss of property located within 2,000 feet of such location caused by or resulting from a covered cause of loss. We will only pay for: income loss sustained during the period of restoration, provided your prevention of access to such location is prohibited for a period longer than the waiting period; b. extra expense caused by the prevention of access to or from such location, for a period not to exceed: (i) 14 days; or (ii) the period of restoration, whichever is later. Coverage under this subsection A.DN-1. will apply only if the covered cause of loss that caused the damage first commenced during the policy period. II. For purposes of this Endorsement only, the following terms will have the meanings set forth below: A. period of restoration means the period of time that begins immediately after the expiration of the waiting period and ending on the earlier of: (i) the date when you are able to access the location where you perform your business activities; or (ii) 14 consecutive days. B. waiting period will be 72 hours commencing from the date and time on which you were first prevented from accessing the location where you perform your business activities. BOP E1000 CW (07/20) Includes copyrighted material of Insurance Services Office, Inc. with its permission Hiscox Insurance Company Inc. NAMED INSURED: Wonder Years Endorsement 1 HISCOX encourage courage* General Coverage Upgrade Endorsement - Standard Page 16 of 24 Employee Dishonesty I. The following is added to Section III. Coverage extensions: Employee dishonesty EM -A. direct physical damage to or loss of covered property, money, and/or securities resulting directly from theft, forgery, or other dishonest acts committed by any of your employees, whether identified or not, or in collusion with other persons or entities, with the manifest intent to: a. cause you to sustain damage or loss; and b. obtain financial benefit (other than salaries, commissions, fees, bonuses, promotions, awards, profit sharing, pensions, or other employee benefits earned in the normal course of employment) for any employee or any other person or entity. The coverage provided under this subsection EM -A will terminate as to any employee, once any of your partners, members, managers, officers, or directors not acting in collusion with the employee learns that the employee committed a theft, forgery, or other dishonest act before or after being hired by you. We will pay only for covered damage or loss sustained during the policy period and discovered no later than one year from the end of the policy period. II. Solely with respect to the coverage provided by this Endorsement, in Section VII. Exclusions — What is not covered, B., the "Dishonesty" exclusion is deleted in its entirety and replaced with the following: Dishonesty 13. a. dishonest or criminal acts (including theft) by you, anyone else with an interest in the property, or any of your or their partners, members, officers, managers, employees (including temporary or leased employees), directors, trustees, or authorized representatives, whether acting alone or in collusion with each other or with any other party; or b. theft by any person to whom you entrust the property for any purpose, whether acting alone or in collusion with any other party. This exclusion applies whether or not an act occurs during your normal hours of operation, but does not apply to acts of destruction by your employees (including temporary or leased employees) or authorized representatives. Solely with respect to coverage provided for your accounts receivable records and valuable papers and records, this exclusion does not apply to acts committed by carriers for hire. However, this exclusion will not apply to the extent any damage or loss is covered under Coverage extension EM -A. Employee dishonesty. Ill. Solely with respect to the coverage provided by this Endorsement, the following exclusions are added to the end of Section VII. Exclusions — What is not covered: Solely with respect to coverage provided under Coverage extension EM -A. Employee dishonesty, we will not pay for damage or loss: BOP E1000 CW (07/20) Includes copyrighted material of Insurance Services Office, Inc. with its permission Hiscox Insurance Company Inc. NAMED INSURED: Wonder Years Endorsement 1 HISCOX encourage courage° General Coverage Upgrade Endorsement - Standard Page 17 of 24 ED -1. resulting from any dishonest or criminal act that you or any of your partners or members committed, whether acting alone or in collusion with other persons. ED -2. the only proof of which as to its existence or amount is an inventory computation or a profit and loss computation. ED -3. caused by an employee if the employee had also committed theft, forgery, or any other dishonest act prior to the effective date of this policy and you or any of your partners, members, managers, officers, directors, or trustees, not in collusion with the employee, learned of that theft, forgery, or dishonest act prior to the policy period. IV. Solely for purposes of the coverage provided by this Endorsement, in Section VIII. Definitions, the definition of "Money" is deleted in its entirety and replaced with the following: Money means: 1. currency, coins, and bank notes in current use and having a face value; 2. traveler's checks, register checks, and money orders held for sale to the public; or 3. with respect to employee theft loss or computer funds transfer loss, deposits in your account at any financial institution. Money does not mean Bitcoin or any other digital currency, crypto currency, or electronic currency. V. For purposes of this Endorsement only, the following definitions are added to the end of Section VIII. Definitions: Employee means any person: Discover, discovered, or discovery BOP E1000 CW (07/20) 1. employed by you; 2. you compensate directly by salary, wages, or commissions; and 3. you have the right to direct and control while performing services for you. Employee also includes any: a. temporary employee; b. person who is leased to you; c. natural person who is a student, volunteer, or intern performing services for you; d. of your managers, directors, or trustees while performing acts within the usual duties of an employee; or e. former employee, partner, member, manager, director, or trustee retained as a consultant, but only while performing services for you. Coverage under this Endorsement will apply to any employee for the first 30 days immediately after their termination, unless such termination is due to theft, forgery, or any other dishonest act committed by the employee. Employee does not include any agent, broker, factor, commission merchant, consignee, independent contractor, representative, or person in a similar position unless specified above. means when you or any of your partners or members or employees first becomes aware of facts which would cause a reasonable person to believe a loss has been Includes copyrighted material of Insurance Services Office, Inc. with its permission Hiscox Insurance Company Inc. Endorsement 1 NAMED INSURED: Wonder Years n,A HISCOX encourage courage. General Coverage Upgrade Endorsement - Standard Page 18 of 24 Forgery or will be sustained, regardless of whether the exact amount or details of the loss is known. Discover, discovered, or discovery also means the first receipt by you or any of your partners or members or employees of notice of an actual or potential claim in which it is alleged that you are liable to a third party under circumstances which would constitute a loss under this Endorsement. means signing the name of another person or organization with the intent to deceive, whether in writing or through an electronic identifier. Forgery does not include a signature which consists in whole or in part of one's own name, whether signed with or without authority, in any capacity, and for any purpose. Theft means the unlawful taking of property to its owner's deprivation. VI. For purposes of the coverage provided by this Endorsement only, the following is added to the end of Section IX. Other provisions affecting coverage: Employee dishonesty A. All loss or damage caused by one or more persons or involving a single act or series of conditions acts will be considered a single occurrence and will be subject to the limit stated in the Schedule above. B. If any loss is covered partly by this Coverage Part and partly by any prior cancelled or terminated policy that we or any of our affiliates issued to you or your predecessor in interest, then the most we will pay for such loss is the larger of the amount recoverable under this Coverage Part or the prior insurance. C. If you (or any predecessor in interest) sustained loss or damage during the policy period of any prior insurance that you could have recovered under that insurance except that the time within which to discover loss or damage had expired, we will pay for it under Coverage extension EM -A. Employee dishonesty, provided: 1. this Endorsement became effective at the time of cancellation or termination of the prior insurance; and 2. the loss or damage would have been covered by this Endorsement had it been in effect when the acts or events causing the loss or damage were committed or occurred. Expediting Expenses Endorsement The following is added to the end of Section II. Additional coverages: Expediting expenses EE -A. the reasonable and necessary additional costs you incur up to the limit stated in the Schedule above as a result of a covered cause of loss to covered property that first commences during the policy period to: BOP E1000 CW (07/20) 1. make temporary repairs; 2. expedite permanent repair or replacement of damaged property; or 3. provide training on replacement machines or equipment. Any payments we make under this subsection EE -A will be a part of, and not in addition to, the applicable limit of liability. Includes copyrighted material of Insurance Services Office, Inc. with its permission Hiscox Insurance Company Inc. HISCOX encourage courage. Endorsement 1 NAMED INSURED. Wonder Years General Coverage Upgrade Endorsement - Standard Page 19 of 24 Money and Securities Coverage I. The following is added to the end of Section III. Coverage extensions: Money and securities MO -A. damage to or loss of money and securities used in your business while: 1. at a bank or savings institution; 2. within your residence, or your partners or any employee's residence, provided they have custody of such money and securities; 3. at any building or at any premises where you perform business operations; or 4. in transit between any of the above places, resulting directly from theft, disappearance, or destruction. We will pay up to the each occurrence limit specified in the Schedule above, depending on where the money or securities were located at the time of the damage or loss. This subsection MO -A does not apply to any loss of money or securities: a. resulting from accounting or arithmetical errors or omissions; b. due to the giving or surrendering of property in any exchange or purchase; c. contained in any money -operated device unless the amount of money deposited in it is recorded by a continuous recording instrument in the device; or d. located outside of the coverage territory. All loss of money or securities caused by one or more persons or involving a single act or series of related acts will be considered a single occurrence. You must keep records of all money and securities so we can verify the amount of any loss or damage. II. In Section VIII. Definitions, in the definition of "Covered property", part 2 (if you have purchased the Buildings and Business Personal Property Coverage Part) or part b (if you have purchased the Business Personal Property Coverage Part) is deleted in its entirety and replaced with the following: money or securities, except as provided in Coverage extension MO -A. Money and securities; Outdoor Signs Coverage I. The following is added to the end of Section III. Coverage extensions: Outdoor signs OS -A. loss of or damage to all outdoor signs at the premises described in the Declarations that are owned by you or owned by others and in your care, custody, and control, provided such loss or damage is caused by or results from a covered cause of loss first commencing during the policy period. However, this coverage will not include wear and tear, hidden or latent defect, rust, corrosion, or mechanical breakdown. BOP E1000 CW (07/20) Includes copyrighted material of Insurance Services Office, Inc. with its permission Hiscox Insurance Company Inc. Endorsement 1 NAMED INSURED: Wonder Years rt. HISCOX encourage courage* General Coverage Upgrade Endorsement - Standard Page 20 of 24 We will pay up to the limit stated in the Schedule above for this coverage OS -A, and not any limit stated in the Declarations. Any payment made under this coverage extension OS -A will not increase the limit of liability. II. Solely with respect to the coverage afforded by this Endorsement, Section VII. Exclusions — What is not covered, is deleted in its entirety and replaced with the following: A. We will not pay for damage or loss caused directly or indirectly by or resulting from any of the following. Such damage or loss is excluded regardless of any other cause or event that contributes concurrently or in any sequence to the loss. These exclusions apply whether or not the loss event results in widespread damage or affects a substantial area: Governmental action Sales Representative Samples 1. seizure or destruction of property by order of governmental authority; however, we will pay for damage or loss caused by or resulting from acts of destruction ordered by a governmental authority and taken at the time of a fire to prevent its spread, if the fire would be covered under this Coverage Part. I. The following is added to the end of Section III. Coverage extensions: Sales representative samples SR -A. direct physical loss or damage to samples of your stock in trade, including containers, caused by or resulting from a covered cause of loss first commencing during the policy period, provided such samples were, at the time of loss or damage: 1. in the custody of your sales representative, agent, or any employee who travels with sales samples; 2. in your custody while you are acting as a sales representative; or 3. in transit between the premises described in the Declarations and your sales representative. We will pay up to the limit stated in the Schedule above for this coverage SR -A, and not any limit stated in the Declarations. Any payment made under this coverage extension SR -A will not increase the limit of liability. II. The "Earth movement" exclusion and the "Water" exclusion in Section VII. Exclusions — What we will not pay, will not apply to the coverage afforded by this Endorsement. III. Solely with respect to the coverage afforded by this Endorsement, the following exclusion is added to the end of Section VII. Exclusions: Specific stock samples SS -1. loss to samples of your stock in trade, including containers, if such samples: 1. have already been sold; BOP E1000 CW (07/20) Includes copyrighted material of Insurance Services Office, Inc. with its permission Hiscox Insurance Company Inc. HISCOX encourage courage' Endorsement 1 NAMED INSURED: Wonder Years General Coverage Upgrade Endorsement - Standard Page 21 of 24 2. are made of or include jewellery, precious or semiprecious stones, gold, silver, platinum or other precious metals or alloys; 3. are made of or include fur, fur garments, or garments trimmed with fur; or 4. suffered loss while waterborne. Unauthorized Business Credit Card Use The following is added to the end of Section III. Coverage extensions: Unauthorized business card use UA-A. loss resulting directly from the theft or unauthorized use of any business credit cards issued to you or registered in your name, provided such loss first commences during the policy period. However, this subsection UA-A will not cover any loss resulting from the theft of unauthorized use of such business credit card(s) by any of your employees or any other person who has been entrusted with the card(s). If you are sued because of the theft of unauthorized use, and if you have our prior written consent to defend against the suit, we will also pay up to the Unauthorized business card use limit stated above for the reasonable legal expenses you incur for that defense. All loss caused by one or more persons, or involving a single act or series of related acts, will be considered one occurrence, regardless of the number of individual unauthorized transactions. Any payments we make under this subsection UA-A will be a part of, and not in addition to, the applicable limit of liability. Utility Services - Time Element Coverage/Direct Damage I. If checked below, the following is added to Section III. Coverage extensions: ❑X Utility services interruption direct damage UT -1. damage to or loss of covered property caused by the interruption of any utility service to the premises identified in the Schedule above resulting from damage or loss to any of the following caused by a covered cause of loss first commencing during the policy period: a. water supply property, b. wastewater removal property, c. communication supply property, or d. power supply property; or ❑X Utility services interruption time element BOP E1000 CW (07/20) UT -2. income loss and extra expense caused by the interruption of any utility service to the premises identified in the Schedule above for a period longer than the waiting period stated in the Schedule above resulting from damage or loss to: 1. any of the following specified property in the Schedule above: Includes copyrighted material of Insurance Services Office, Inc. with its permission Hiscox Insurance Company Inc. HISCOX encourage courage. Endorsement 1 NAMED INSURED: Wonder Years General Coverage Upgrade Endorsement - Standard Page 22 of 24 water supply property, b. wastewater removal property, c. communication supply property, or d. power supply property; or 2. any property, if there is no coverage specifically indicated in the Schedule above for the property listed in 1.a. through 1.d., caused by a covered cause of loss first commencing during the policy period. This subsection UT -2. does not apply to income loss or extra expense caused by the interruption of service resulting from: i. damage or loss to electronic data, including destruction or corruption of electronic data; or ii. a discharge of water or sewage due to heavy rainfall or flooding. II. Solely with respect to the coverage provided by this Endorsement, the following definitions are added to the end of Section VII. Definitions: Communication supply property means property supplying communication services, including telephone, radio, microwave, or television services, including: 1. underground communication transmission lines, including optic fiber transmission lines; 2. coaxial cables; and 3. microwave radio relays. Communication supply property does not include any satellite. Power supply property means the following types of property supply electricity, steam, or gas: 1. utility generating plants; 2. switching stations; 3. substations; 4. transformers; and 5. underground transmission lines. Wastewater removal property means a utility system for removing wastewater and sewage, including: 1. sewer mains; and 2. pumping stations. Water supply property means pumping stations and water mains that supply water. III. Solely with respect to the coverage provided by this Endorsement, in Section VII. Exclusions — What we will not pay, the following is added to the end of the "Utility services" exclusion: This exclusion also will not apply to any loss covered under Coverage extension UT -1. Utility services interruption direct damage or Coverage enhancement UT -2. Utility services interruption time element. Worldwide Property Coverage with Portable Electronic Device Sublimit I. The following is added to the end of Section II. Additional coverages: Worldwide property coverage with WP -A. 1. direct physical loss of or damage to business personal portable electronic devices sublimit property resulting from a covered cause of loss that first BOP E1000 CW (07/20) Includes copyrighted material of Insurance Services Office, Inc. with its permission Hiscox Insurance Company Inc. HISCOX encourage courage' Endorsement 1 NAMED INSURED: Wonder Years General Coverage Upgrade Endorsement - Standard Page 23 of 24 commences during the policy period, while such business personal property is temporarily outside of the coverage territory, provided that the property is: temporarily at a location that you do not own, lease, or operate; b. temporarily on display or exhibit at a fair, trade show, or exhibition; c. samples of your stock in trade that is in the custody of your sales representatives; or d. in transit between a location identified in the Schedule of Described Premises in the Declarations and a location described in parts 1 through 3, above. 2. direct physical loss of or damage to portable electronic devices caused by resulting from a covered cause of loss anywhere in the world, including while such property is in transit, that first commences during the policy period, provided that the property is: a. owned by you; or b. property of others that is in your care, custody, or control, except as otherwise provided in Section V. How loss is paid, H.2. Property of others. 3. The most we will pay for loss under this subsection WP -A. is the Worldwide Property Coverage Limit identified in the Schedule above, which will be a part of, and not in addition to, any applicable limit of liability. The most we will pay for loss under subsection WP -A., part 2 for any one occurrence, regardless of the number of lost or damaged portable electronic devices, is the Portable Electronic Devices Sublimit identified in the Schedule above, which will be a part of, and not in addition to, the Worldwide Property Coverage Limit identified in the Schedule above. II. In Section VII. Exclusions — What we will not pay, part B, the following is added to the end of the "Consequential losses" exclusion: However, this exclusion does not apply to loss or damage otherwise covered under Additional coverage WP -A. Worldwide property coverage, part 2. III. The following exclusion is added to the end of Section VII. Exclusions — What we will not pay: WP -A. We will not pay for loss or damage to portable electronic devices caused by, resulting from, or arising out of theft or unexplained loss when the portable electronic device is contained in checked baggage with a carrier for transit. IV. Solely with respect to the coverage provided by this Endorsement, the following is added to the end of Section II. Additional coverages, A. Business income and D. Extra expense: BOP E1000 CW (07/20) Includes copyrighted material of Insurance Services Office, Inc. with its permission Hiscox Insurance Company Inc. HISCOX encourage courage* Endorsement 1 NAMED INSURED: Wonder Years General Coverage Upgrade Endorsement - Standard Page 24 of 24 Solely with respect to the coverage provided by this Additional coverage, covered property includes portable electronic devices located anywhere in the world. V. Solely with respect to the coverage provided by this Endorsement, in Section VIII. Definitions, part 2 of the definition of "Income loss" is deleted in its entirety. VI. Solely with respect to the coverage provided by this Endorsement, the following definitions are added to the end of Section VIII. Definitions: In transit means in the course of shipment to or from a location identified in the Schedule of Described Premises in the Declarations, including while such shipment is temporarily stopped or delayed incidental to the delivery. Portable electronic devices means business personal property that is a lightweight, hand-held, or wearable electronic device capable of storing, retrieving, and processing data, including laptops, tablets, e -readers, smartphones, or similar devices. Endorsement Effective: January 22, 2024 Policy No.: P100.058.817.4 By: Kevin Kerridge (Appointed Representative) BOP E1000 CW (07/20) Includes copyrighted material of Insurance Services Office, Inc. with its permission Hiscox Insurance Company Inc. HISCOX encourage courage' Endorsement 2 NAMED INSURED: Wonder Years Cap on Losses from Certified Acts of Terrorism Page 1 of 1 In consideration of the premium charged, and on the understanding this endorsement leaves all other terms, conditions, and exclusions unchanged, it is agreed: In the General Terms and Conditions, the following is added to Section V. Other provisions affecting coverage: CT -A. Cap on Certified Terrorism "Certified act of terrorism" means an act that is certified by the Secretary of Losses the Treasury, in accordance with the provisions of the federal Terrorism Risk Insurance Act, to be an act of terrorism pursuant to such Act. The criteria contained in the Terrorism Risk Insurance Act for a "certified act of terrorism" include the following: 1. the act resulted in insured losses in excess of $5 million in the aggregate, attributable to all types of insurance subject to the Terrorism Risk Insurance Act; and 2. The act is a violent act or an act that is dangerous to human life, property or infrastructure and is committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. 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. II. The terms and limitations of any terrorism exclusion, or the inapplicability or omission of a terrorism exclusion, do not serve to create coverage for loss or injury or damage that is otherwise excluded under this Policy. Endorsement Effective: January 22, 2024 Policy No.: P100.058.817.4 By: Kevin Kerridge (Appointed Representative) BOP E1007 CW (11/19) Includes copyrighted material of Insurance Services Office, Inc. with its permission Hiscox Insurance Company Inc. Endorsement 3 NAMED INSURED: Wonder Years •1,t' HISCOX encourage courage® Disclosure Pursuant To Terrorism Risk Insurance Act Page 1 of 2 In consideration of the premium charged, and on the understanding this endorsement leaves all other terms, conditions, and exclusions unchanged, it is agreed: SCHEDULE — PART I Terrorism Premium (Certified Acts): $5.00 Additional information, if any, concerning the terrorism premium: SCHEDULE — PART II Federal share of terrorism losses is 80%. Information required to complete this Schedule, if not shown above, will be shown in the Declarations. This Endorsement is issued in accordance with the terms and conditions of the federal Terrorism Risk Insurance Act. This endorsement does not grant any coverage or change the terms and conditions of any coverage under the policy. A. Disclosure Of Premium In accordance with the federal Terrorism Risk Insurance Act, we are required to provide you with a notice disclosing the portion of your premium, if any, attributable to coverage for terrorist acts certified under the Terrorism Risk Insurance Act. The portion of your premium attributable to such coverage is shown in the Schedule of this endorsement or in the policy Declarations. B. Disclosure Of Federal Participation In Payment Of Terrorism Losses The United States Government, Department of the 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. 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. BOP E1008 CW (11/19) Includes copyrighted material of Insurance Services Office, Inc. with its permission Hiscox Insurance Company Inc. Endorsement 3 NAMED INSURED: Wonder Years Disclosure Pursuant To Terrorism Risk Insurance Act Ot,A HISCOX encourage courage' Endorsement Effective: January 22, 2024 Policy No.: P100.058.817.4 By: Kevin Kerridge (Appointed Representative) BOP E1008 CW (11/19) Includes copyrighted material of Insurance Services Office, Inc. with its permission Page 2 of 2 Hiscox Insurance Company Inc. HISCOX encourage courage® Endorsement 4 NAMED INSURED: Wonder Years Cancellation Endorsement (14 Day Full Refund) Page 1 of 1 In consideration of the premium charged, and on the understanding this endorsement leaves all other terms, conditions, and exclusions unchanged, it is agreed the General Terms and Conditions are amended as follows: In Section V. Other provisions affecting coverage, part 4 of C. Cancellation is deleted in its entirety and replaced with the following: 4. If this policy is cancelled by the named insured: a. within 14 days of the inception of the policy period, and there has not been: (1) a covered cause of loss; (2) an offense arising out of your business that caused a personal and advertising injury; (3) an occurrence that caused bodily injury or property damage; or (4) an accident that caused bodily injury, then we will return the premium amount actually paid to us (if any). The policy's effective date of cancellation will be the inception date of the policy period. b. after 14 days of the inception of the policy period, we will retain the customary short rate proportion of the premium. Endorsement Effective: January 22, 2024 Policy No.: P100.058.817.4 By: Kevin Kerridge (Appointed Representative) BOP E1009 CW (11/19) Includes copyrighted material of Insurance Services Office, Inc. with its permission Hiscox Insurance Company Inc. HISCOX encourage courage° Endorsement 5 NAMED INSURED: Wonder Years Communicable Disease Exclusion Page 1 of 1 In consideration of the premium charged, and on the understanding this endorsement leaves all other terms, conditions, and exclusions unchanged, it is agreed: I. The Business Personal Property Coverage Part is amended as follows: The following exclusion is added to the end of Section VII. Exclusions — What we will not pay, paragraph A: Communicable disease CO -1. the actual or alleged transmission of a communicable disease. This exclusion will apply even if the loss or damage actually or allegedly results from negligence or other wrongdoing in the: a. supervising, hiring, employing, training, or monitoring of others that may be infected with and spread a communicable disease; b. testing for a communicable disease; c. failure to prevent the spread of the disease; or d. failure to report the disease to authorities. II. The General Liability Coverage Part is amended as follows: The following exclusion is added to the end of Section VI. Exclusions — What is not covered, D. Exclusions applicable to the entire general liability Coverage Part: Communicable disease CO -1. based upon or arising out of the actual or alleged transmission of a communicable disease. This exclusion will apply even if the claim against you alleges negligence or other wrongdoing in the: a. supervising, hiring, employing, training, or monitoring of others that may be infected with and spread a communicable disease; b. testing for a communicable disease; c. failure to prevent the spread of the disease; or d. failure to report the disease to authorities. Endorsement Effective: January 22, 2024 Policy No.: P100.058.817.4 By: Kevin Kerridge (Appointed Representative) BOP E1020 CW (07/20) Includes copyrighted material of Insurance Services Office, Inc. with its permission Hiscox Insurance Company Inc. HISCOX encourage courage° Endorsement 6 NAMED INSURED: Wonder Years COLORADO Amendatory Endorsement Page 1 of 2 In consideration of the premium charged, and on the understanding this endorsement leaves all other terms, conditions, and exclusions unchanged, it is agreed the General Terms and Conditions are amended as follows: I. In Section V. Other provisions affecting coverage, C. Cancellation, part 2 is deleted in its entirety and replaced with the following: 2. This policy may be cancelled by us by mailing to the named insured by registered, certified, or other first class - mail (or by email where allowed by applicable law), at the named insured's address (or email address) stated in Item 1 of the Declarations, written notice which must include the date the cancellation will be effective. If this policy Part has been in effect for less than 60 days, we may cancel this policy by mailing (or emailing) or delivering to the named insured written notice of cancellation at least: (i) 60 days after the date of the notice of cancellation; or (ii) ten days after the date of the notice of cancellation if the cancellation is due to non-payment of premium. b. If this policy has been in effect for 60 days or more, or is a renewal of a policy we issued, we may only cancel for one or more of the following reasons: i. Non-payment of premium; A false statement knowingly made by the insured on the application for insurance; or iii. A substantial change in the exposure or risk other than indicated in the application and underwritten as of the effective date of the policy unless the insured has notified us of the change and we accept such change. II. The following is added to Section V. Other provisions affecting coverage: NR -A Non -renewal If we elect not to renew this policy, we will mail by first-class mail (or by email where allowed by applicable law) to the named insured written notice of non -renewal not less than 45 days before the end of the policy period. We will mail (or email) or deliver the notice of non -renewal to the named insured at the last mailing address (or email address) known to us. If the notice of non -renewal is mailed (or emailed), proof of mailing (or emailing) will be sufficient proof of notice. NR -B Conditional Renewal If we elect to renew this policy with an increase in premium or decrease in coverage benefits, we will mail (or email where allowed by applicable law) or deliver to the named insured written notice of our intent, including the actual reason, not less than 45 days before the end of the policy period. Any decrease in coverage during the policy term must be based on one or more of the following reasons: 1. Non-payment of premium; 2. A false statement knowingly made by the insured on the application for insurance; or BOP E9004 CO (11/19) Hiscox Insurance Company Inc. HISCOX encourage courage° Endorsement 6 NAMED INSURED: Wonder Years COLORADO Amendatory Endorsement Page 2 of 2 3. A substantial change in the exposure or risk other than that indicated in the application and underwritten as of the effective date of the policy unless the insured has notified us of the change and we accept such change. We will mail (or email) or deliver the conditional notice of renewal to the named insured at the last mailing address (or email address) known to us. If the notice of conditional renewal is mailed (or emailed), proof of mailing (or emailing) will be sufficient proof of notice. III. The term "spouse," in all Coverage Parts, is replaced by the following: Spouse or party to a civil union recognized under Colorado law. Endorsement Effective: January 22, 2024 Policy No.: P100.058.817.4 By: Kevin Kerridge (Appointed Representative) BOP E9004 CO (11/19) Hiscox Insurance Company Inc. HISCOX encourage courage* Endorsement 7 NAMED INSURED: Wonder Years War, Civil War, Cyberwarfare, and NCBR Exclusion Endorsement Page 1 of 2 In consideration of the premium charged, and on the understanding this endorsement leaves all other terms, conditions, and exclusions unchanged, it is agreed the General Terms and Conditions are amended as follows: I. This policy does not apply to and we will have no obligation to pay any sums under this policy, including any damages, claim expenses, or other covered amounts, for any claim, event, loss, or occurrence directly or indirectly occasioned by, happening through, or in consequence of: 1. war, invasion, acts of foreign enemies, hostilities (whether war is declared or not), civil war, rebellion, revolution, insurrection, military, or usurped power; 2. confiscation, nationalization, requisition, destruction of, or damage to property by or under the order of any government, public, or local authority; 3. cyberwarfare, to the extent not otherwise excluded by paragraph 1; or 4. any NCBR malicious act. However, this exclusion will not apply to coverage under the General Liability Coverage Part (if purchased) for damage by fire to premises while rented to you or temporarily occupied by you with the owner's permission. Any payments we make for property damage to such premises will be subject to the Damage to Premises Rented to You Limit II. For purposes of this Endorsement, the following definitions apply: Cyberwarfare means any: 1. unauthorized access to, or use, alteration, corruption, damage, manipulation, misappropriation, theft, deletion, or destruction of, any computer hardware or electronic data; 2. creation, transmission, or introduction into a computer system, computer network, or electronic data of a computer virus or harmful code; or 3. restriction or inhibition of access to a computer system, computer network, or electronic data, including through a denial -of -service (DoS) attack, committed by, or on behalf of, a sovereign state, state -like entity, quasi -state, proto-state, or a state -sponsored actor or group. In determining by whom any action listed in parts 1. through 3. above is committed, we will consider to whom any governing body (including the governing body's intelligence, law enforcement, or military services) attributes such action, regardless of whether: A. the computer system, computer network, or electronic data is physically located within the jurisdiction of that governing body; or B. there are inconsistent statements within different branches or agencies of that governing body (including intelligence, law enforcement, or military services) as to whom the action is attributable to. However, if: i. a governing body has not attributed any such action to a sovereign state, state -like entity, quasi -state, proto-state, or a state -sponsored actor or group, or any person, group, association, or entity acting on their behalf; and BOP E1021 CW (03/23) Includes copyrighted material of Insurance Services Office, Inc. with its permission Hiscox Insurance Company Inc. HISCOX encourage courage' Endorsement 7 NAMED INSURED: Wonder Years War, Civil War, Cyberwarfare, and NCBR Exclusion Endorsement Page 2 of 2 NCBR malicious act ii. there is at least one media report or a cybersecurity forensic firm report indicating that such action is attributed to a sovereign state, state -like entity, quasi -state, proto-state, or a state -sponsored actor or group or any person, group, association, or entity acting on their behalf, then we will not pay any damages, claim expenses, or other covered amounts resulting from any action listed in parts 1. through 3. above until any governing body attributes such action to a sovereign state, state -like entity, quasi -state, proto-state, or a state -sponsored actor or group, or any person, group, association, or entity acting on their behalf. If a governing body does not attribute such action to a sovereign state, state -like entity, quasi - state, proto-state, or a state -sponsored actor or group, or any person, group, association, or entity acting on their behalf, or declares it is unable to do so, then a media report or cybersecurity forensic firm report will be conclusive evidence that the act was committed by, or on behalf of, a sovereign state, state -like entity, quasi -state, proto-state, or a state - sponsored actor or group. For purposes of this definition, "media report" means an article published by the Associated Press, Reuters, Wall Street Journal, or the British Broadcasting Corporation. means an act or series of acts that harms another person or damages property through the physical release or dispersal of nuclear, chemical, biological, or radiological agents or materials, which is carried out by any person or group of persons, whether acting alone, on behalf of, or in connection with any organization. Nuclear, chemical, means: biological, or radiological agents 1. nuclear reaction, nuclear radiation or radioactive particles, whether released or or materials dispersed by nuclear or conventional devices; 2. any chemical compound; or 3. any pathogen, in sufficient concentration to cause harm to people or damage to property. Endorsement Effective: January 22, 2024 By: Kevin Kerridge (Appointed Representative) BOP E1021 CW (03/23) Policy No.: P100.058.817.4 Includes copyrighted material of Insurance Services Office, Inc. with its permission Hiscox Insurance Company Inc. HISCOX encourage courage° Endorsement 8 NAMED INSURED: Wonder Years Nuclear Hazard and Nuclear Incident Exclusion Clause -Liability -Direct (Broad) Page 1 of 2 In consideration of the premium charged, and on the understanding this endorsement leaves all other terms, conditions, and exclusions unchanged, it is agreed the General Terms and Conditions are amended as follows: We will have no obligation to pay any sums under this policy, including any damages, claim expenses, or other covered amounts, for any claim, event, loss, or occurrence: A. directly or indirectly occasioned by, happening through, or in consequence of nuclear reaction, nuclear radiation, or radioactive contamination. However, if such reaction, radiation, or contamination results in fire, we will pay for the otherwise covered loss or damage caused by that fire. B. Under any liability coverage, for injury, sickness, disease, death, or destruction: 1. for which you are also insured under a nuclear energy liability policy issued by the Nuclear Energy Liability Insurance Association, Mutual Atomic Energy Liability Underwriters, or Nuclear Insurance Association of Canada, or would be insured under any such policy but for exhaustion of its limit of liability; or 2. resulting from the hazardous properties of nuclear material and with respect to which: arty person or organization is required to maintain financial protection pursuant to the Atomic Energy Act of 1954, as amended; or b. you are, or had this policy not been issued would be, entitled to indemnity from the United States of America, or any agency thereof, under any agreement entered into by the United States of America, or any agency thereof, with any person or organization. C. Under any Medical Payments coverage, or under any Supplementary Payments provision relating to immediate medical or surgical relief, for expenses incurred with respect to bodily injury, sickness, disease, or death resulting from the hazardous properties of nuclear material and arising out of the operation of a nuclear facility by any person or organization. D. Under any liability coverage, for injury, sickness, disease, death, or destruction resulting from the hazardous properties of nuclear material, if: 1. the nuclear material is at any nuclear facility owned or operated by you or on yourbehalf, or has been discharged or dispersed from such a facility; 2. the nuclear material is contained in spent fuel or waste which is or was at any time possessed, handled, used, processed, stored, transported, or disposed of by you or on your behalf; or 3. the injury, sickness, disease, death, or destruction arises out of the furnishing by you of services, materials, parts, or equipment in connection with the planning, construction, maintenance, operation, or use of any nuclear facility, but if such facility is located within the United States of America, its territories or possessions, or Canada, this exclusion (3) applies only to injury to or destruction of property at such nuclear facility. As used in this endorsement: Hazardous properties includes radioactive, toxic, or explosive properties; Nuclear material means source material, special nuclear material, or byproduct material; Nuclear reactor means any apparatus designed or used to sustain nuclear fission in a self-supporting chain reaction or to contain a critical mass of fissionable material; Source material, special nuclear material, and byproduct material have the meanings given them in the Atomic Energy Act of 1954, as amended; BOP E1022 CW (10/21) Includes copyrighted material of Insurance Services Office, Inc. with its permission Hiscox Insurance Company Inc. HISCOX encourage courage' Endorsement 8 NAMED INSURED: Wonder Years Nuclear Hazard and Nuclear Incident Exclusion Clause -Liability -Direct (Broad) Page 2 of 2 Spent fuel means any fuel element or fuel component, solid or liquid, which has been used or exposed to radiation in a nuclear reactor; Waste means any waste material: 1. containing byproduct material; and 2. resulting from the operation by any person or organization of any nuclear facility included in paragraph 1 or 2 of the definition of nuclear facility; Nuclear facility means: 1. any nuclear reactor; 2. any equipment or device designed or used for: a. separating the isotopes of uranium or plutonium; b. processing or utilizing spent fuel; or c. handling, processing, or packaging waste; 3. any equipment or device used for the processing, fabricating, or alloying of special nuclear material, if at any time the total amount of such material in your custody at the premises where such equipment or device is located consists of or contains more than 25 grams of plutonium or uranium 233 or any combination thereof, or more than 250 grams of uranium 235; or 4. any structure, basin, excavation, premises, or place prepared or used for the storage or disposal of waste. Nuclear facility includes the site on which any of the foregoing is located, all operations conducted on such site, and all premises used for such operations; With respect to injury to or destruction of property, "injury" or "destruction" includes all forms of radioactive contamination of property. Endorsement Effective: January 22, 2024 Policy No.: P100.058.817.4 By: Kevin Kerridge (Appointed Representative) BOP E1022 CW (10/21) Includes copyrighted material of Insurance Services Office, Inc. with its permission ^,A HISCOX encourage courage. Notices 4e. HISCOX Hiscox Insurance Company Inc. ECONOMIC AND TRADE SANCTIONS POLICYHOLDER NOTICE Hiscox is committed to complying with the U.S. Department of Treasury Office of Foreign Assets Control (OFAC) requirements. OFAC administers and enforces economic sanctions policy based on Presidential declarations of national emergency. OFAC has identified and listed numerous foreign agents, front organizations, terrorists, and narcotics traffickers as Specially Designated Nationals (SDN's) and Blocked Persons. OFAC has also identified Sanctioned Countries. A list of Specially Designated Nationals, Blocked Persons and Sanctioned Countries may be found on the United States Treasury's web site http://www.treas.gov/offices/enforcement/ofac/. Economic sanctions prohibit all United States citizens (including corporations and other entities) and permanent resident aliens from engaging in transactions with Specially Designated Nationals, Blocked Persons and Sanctioned Countries. Hiscox may not accept premium from or issue a policy to insure property of or make a claim payment to a Specially Designated National or Blocked Person. Hiscox may not engage in business transactions with a Sanctioned Country. A Specially Designated National or Blocked Person is any person who is determined as such by the Secretary of Treasury. A Sanctioned Country is any country that is the subject of trade or economic embargoes imposed by the laws or regulations of the United States. In accordance with laws and regulations of the United States concerning economic and trade embargoes, this policy may be rendered void from its inception with respect to any term or condition of this policy that violates any laws or regulations of the United States concerning economic and trade embargoes including, but not limited to the following: (1) Any insured under this Policy, or any person or entity claiming the benefits of such insured, who is or becomes a Specially Designated National or Blocked Person or who is otherwise subject to US economic trade sanctions; (2) Any claim or suit that is brought in a Sanctioned Country or by a Sanctioned Country government, where any action in connection with such claim or suit is prohibited by US economic or trade sanctions; (3) Any claim or suit that is brought by any Specially Designated National or Blocked Person or any person or entity who is otherwise subject to US economic or trade sanctions; (4) Property that is located in a Sanctioned Country or that is owned by, rented to or in the care, custody or control of a Sanctioned Country government, where any activities related to such property are prohibited by US economic or trade sanctions; or (5) Property that is owned by, rented to or in the care, custody or control of a Specially Designated National or Blocked Person, or any person or entity who is otherwise subject to US economic or trade sanctions. Please read your Policy carefully and discuss with your broker/agent or insurance professional. You may also visit the US Treasury's website at http://www.treas.gov/offices/enforcement/ofac/. INT N001 CW 01 09 Page 1 of 1 .1A H I SCOX Hiscox Insurance Company Inc. IMPORTANT NOTICE TO COLORADO POLICYHOLDERS DISCLOSURE FORM - POLICIES CONTAINING CLAIMS -MADE COVERAGE THIS DISCLOSURE FORM IS NOT YOUR POLICY. IT MERELY DESCRIBES SOME OF THE MAJOR FEATURES OF THE CLAIMS MADE COVERAGE OF YOUR POLICY. READ YOUR POLICY CAREFULLY TO DETERMINE RIGHTS, DUTIES, AND WHAT IS AND IS NOT COVERED. ONLY THE PROVISIONS OF YOUR POLICY DETERMINE THE SCOPE OF YOUR INSURANCE PROTECTION. Your policy is a claims -made policy. It applies only to claims made against you on or after the inception date and before the end of the policy period involving injury or damage that occurs after the policy retroactive date. Upon termination of your policy, an "extended reporting period" or "discovery period" may be available for an additional premium. OCCURRENCE VS. CLAIMS -MADE There is no difference in the kinds of events covered by either an "occurrence" policy or a "claims -made" policy. Claims for damages may be assigned to different policy periods, however, depending on which policy you have purchased. In an "occurrence" policy coverage is provided for liability because of damage or events that occur during the policy period, no matter when the claim is made In your "claims -made" policy, coverage is provided only if a claim is made during the policy period or any applicable extended reporting period or discovery period. A claim first made during the policy period could be charged against a claims -made policy even if the injury/wrongful act/loss occurred many years prior to the policy period. If a claims -made policy has a retroactive date, an injury/wrongful act/loss occurring prior to that date is not covered. In general, the nature of claims —made coverage is such that during the first several years of continuing claims -made coverage, claims -made premiums are comparatively lower than occurrence coverage premiums. An insured can expect substantial annual premium increases, independent of overall rate level increases, until the claims -made relationship reaches maturity. PRINCIPAL BENEFITS This policy provides claims -made liability coverage up to the maximum dollar limit specified in the policy. The principal benefits and coverages are explained in detail in your claims -made policy. Please read it carefully and consult your insurance agent or broker or other professional insurance advisor about any questions you might have. INT N002 CO (03/09) Page 1 of 2 HISCOX Hiscox Insurance Company Inc. IMPORTANT NOTICE TO COLORADO POLICYHOLDERS EXCEPTIONS, REDUCTIONS AND LIMITATIONS Your claims -made policy contains certain exceptions, reductions and limitations. Please read them carefully and consult your insurance agent or broker or other professional insurance advisor about any questions you might have. RENEWALS AND EXTENDED REPORTING PERIODS/DISCOVERY PERIODS Your policy has some unique features relating to renewal, extended reporting periods or discovery periods and coverage of occurrences with long periods of exposure. If there is a retroactive date in your policy, no injury/wrongful act/loss occurring prior to that date will be covered under the policy even if reported during the policy period. It is therefore important for you to be certain that there are no gaps in your insurance coverage. These gaps can occur in several ways. Among the most common are: 1) If you switch from an occurrence policy to a claims -made policy, the retroactive date in your claims -made policy should be no later than the expiration date of the occurrence policy. 2) When replacing a claims -made policy with a claims -made policy, you should consider the following: The retroactive date in the replacement policy should extend far enough back in time to cover any events with long periods of liability exposure; and b. If the retroactive date in the replacement policy does not extend far enough back in time to cover events with long periods of liability exposure, you should consider purchasing extended reporting period or discovery period coverage under the old claims -made policy. 3) If you replace this claims -made policy with an occurrence policy, you may not have insurance coverage for a claim arising during the period of claims -made coverage unless you have purchased an extended reporting period or discovery period under the claims -made policy. Extended reporting period or discovery period coverage must be offered to you by law for at least one year after the expiration of the claims -made policy at a premium not to exceed 200% of your last policy premium. CAREFULLY REVIEW YOUR POLICY REGARDING THE AVAILABLE EXTENDED REPORTING OR DISCOVERY PERIOD COVERAGE, INCLUDING THE LENGTH OF COVERAGE, THE PRICE AND THE TIME PERIOD DURING WHICH YOU MUST PURCHASE OR ACCEPT ANY OFFER FOR EXTENDED REPORTING PERIOD OR DISCOVERY PERIOD COVERAGE. INT N002 CO (03/09) Page 2 of 2 fSA HISCOX Policyholder Notice Electronic Delivery If you received your insurance policy by email, it is because you have chosen electronic delivery of your policy documents and important notices, including cancellation and nonrenewal notices where permitted by law. We also will send any renewal policy documents to you by email at the address you have provided. If you are currently receiving paper documents and would like to have ease of retrieval and access and save on storage space, you will need to contact us and update your preferences. Most documents can be sent electronically within minutes. For electronic documents, you will need a computer or mobile device with Internet access and the ability to receive external emails. You also will need software such as Adobe Reader® that allows you to view and save PDF documents, and a printer to create paper copies. At any time you may request a paper copy of your policy, or you may withdraw your consent to receive documents by email. We will then send documents to you by US mail at no added cost. You must notify us if your email or street address changes. To update your email or street address, or to request paper documents, please contact us at 888-202-3007. Page 1 of 1 INT N003 CW (01/19) 40 HISCOX encourage courage• Policy Wording H I SCOX Business Personal Property Coverage Part I. Insuring We will pay up to the Business Personal Property Limit for direct physical damage to or direct agreement - physical loss of covered property caused by or resulting from any covered cause of loss first commencing during the policy period, provided it is reported to us in accordance with Section IV. What is covered Your obligations. II. Additional coverages 'We will also pay up to the corresponding limit or number of days stated in the Declarations for the following loss you sustain or incur, provided it is reported to us in accordance with Section IV. Your obligations: Business income A. 1. Business income: income loss during the period of restoration because you are unable to continue your business activities for a period longer than the waiting period due to damage to or loss of covered property caused by or resulting from any covered cause of loss first commencing during the policy period. We will only pay for: income loss sustained during the period of restoration and up to the limit or number of days stated in the Declarations; and b. ordinary payroll expenses for the first 90 days of the period of restoration, unless a greater number of days is specified in the Declarations. 2. Business income from dependent properties: income loss during the period of restoration because you are unable to continue your business activities fora period longer than the waiting period due to damage to or loss of property at a dependent property or secondary dependent property caused by or resulting from any covered cause of loss first commencing during the policy period. This subsection A.2. does not apply to any income loss you sustain solely due to damage to or loss of electronic data at a dependent property or secondary dependent property, including destruction or corruption of electronic data. 3. Civil authority: income loss directly caused by the prevention of access to covered property by order of a civil authority, for a period greater than the waiting period but not to exceed the number of days stated in the Declarations; and/or b. extra expense caused by the prevention of access to covered property by order of a civil authority, for a period greater than the waiting period but not to exceed: (i) the number of days stated in the Declarations; or (ii) the period of restoration, whichever is later. Coverage under this subsection A.3. will apply only if the following conditions are met: i. your prevention of access to such covered property is prohibited because of damage to property within one mile of the covered property; ii. the civil authority has taken action in response to dangerous physical conditions resulting from the damage or continuation of the covered cause of loss that caused the damage, or the action is taken to enable a civil authority to have unimpeded access to the damaged property; and iii. the covered cause of loss that caused the damage first commenced during the policy period. 4. Extended business income: Includes copyrighted material of Insurance Services Office, Inc., with its permission BOP-BPP P0001A CW 06/20) Page 1 of 19 •,A H I SCOX Business Personal Property Coverage Part income loss after the period of restoration has ended, resulting from efforts to restore your business activities to a level which would generate the same income amount that would have existed had no covered cause of loss occurred. Coverage under this subsection A.4. will: a. apply only if you were unable to continue your business activities for a period longer than the waiting period due to damage to or loss of covered property caused by or resulting from any covered cause of loss, triggering coverage under A.1. Business income; and b. not include loss incurred as a result of unfavorable business conditions caused by the impact of the covered cause of loss. 5. Interruption of computer operations: income loss and extra expense during the period of restoration because you are unable to continue your business activities due to damage to or loss of electronic data destroyed or corrupted by a computer virus, harmful code, or similar instruction that is: a. introduced into or enacted on a computer system (including electronic data) or a network to which it is connected; and b. designed to damage or destroy any part of the system or disrupt its normal operation. However, coverage under this subsection A.5. applies only if such destruction or corruption first commenced during the policy period. Coverage under this subsection A.5. does not apply to loss resulting from action taken to avoid or minimize a suspension of operations caused by destruction or corruption of electronic data. Electronic data Extra expense Forgery or alteration B. reasonable and necessary costs to recover electronic data that has been damaged, lost, destroyed, or corrupted by a covered cause of loss or computer virus, harmful code, or similar instruction that is: (i) introduced into or enacted on a computer system (including electronic data) or a network to which it is connected; and (ii) designed to damage or destroy any part of the system or disrupt its normal operation, provided such damage, loss, destruction, or corruption first commenced during the policy period. This subsection B does not apply to your stock of prepackaged software, or to electronic data which is integrated in and operates or controls a building's elevator, lighting, heating, ventilation, air conditioning, or security system. extra expense during the period of restoration due to damage to or loss of covered property caused by or resulting from any covered cause of loss first commencing during the policy period. We will only pay for extra expense you incur during the period of restoration after the date of damage or loss. D. loss resulting directly from forgery or alteration of any negotiable instruments that are made or drawn by you (or by your agent), or purported to have been so made or drawn, provided the loss first commenced during the policy period. A substitute check as defined in the Check Clearing for the 21st Century Act will be treated the same as the original it replaced. If you are sued because of the refusal to pay any negotiable instrument on the basis it has been forged or altered, and if you have our prior written consent to defend against the suit, we will also pay the reasonable legal expenses you incur for that defense. Money orders and E. loss resulting directly from your good faith exchange of merchandise, money, or services for: Includes copyrighted material of Insurance Services Office, Inc., with its permission BOP-BPP P0001A CW 06/20) Page 2 of 19 H I SCOX Business Personal Property Coverage Part counterfeit money 1. money orders issued by any post office, express company, or financial institution, and that are not paid upon presentation; or 2. counterfeit money received during the regular course of business, provided the loss first commenced during the policy period. No deductible will apply to amounts we pay under Additional coverage A. Business income or Additional coverage C. Extra expense, and such amounts will be in addition to, and not a part of, the Business Personal Property Limit. For all other coverages described in this Section II, you must sustain or incur loss in excess of the applicable deductible before we will be obligated to make any payments, and all such payments will be a part of, and not in addition to, the Business Personal Property Limit. III. Coverage extensions Accounts receivable If an amount appears on the Declarations next to the name of the coverage extension listed below, which indicates you have purchased the coverage, we will also pay up to the corresponding limit for the following loss you sustain or incur, provided it is reported to us in accordance with Section IV. Your obligations: A. damage to or loss of your accounts receivable records caused by or resulting from any covered cause of loss first commencing during the policy period. We will also pay the following amounts as a result of the damage to or loss of your accounts receivable records: 1. all amounts due from your customers that you are unable to collect; 2. reasonable and necessary expenses you incur to reestablish or reproduce your records; 3. interest on any loan that is required to offset amounts you are unable to collect pending our payment of such amounts; and 4. reasonable and necessary collection expenses above your normal collection expenses. Lock and key replacement B. reasonable and necessary expenses to replace your locks and keys at any premises you perform your business operations which are damaged by any covered cause of loss first commencing during the policy period and occurring in the coverage territory. Newly acquired business personal property Personal effects Temporary business resumption expenses C. damage to or loss of business personal property that you newly acquire during the policy period caused by or resulting from any covered cause of loss first commencing during the policy period. This subsection C does not apply to personal property that you temporarily acquire in the course of installing or performing work on such properly or to your wholesale activities. Coverage under this subsection C will end: (i) when this policy expires; (ii) 30 days after you acquire the property; or (iii) when you report the values to us, whichever occurs first. We will have the right to charge you any additional premium we deem necessary in order to provide coverage for the newly acquired property. D. damage to or loss of your personal effects owned by you, your officers, your partners or members, your managers, or your employees caused by or resulting from any covered cause of loss first commencing during the policy period. This subsection D does not apply to: (i) tools or equipment used in your business; or (ii) damage or loss by theft. E. additional costs to temporarily relocate your business activities because the premises where you normally conduct your business activities becomes unusable for such business activities by direct physical damage or loss caused by a covered cause of loss first commencing during the policy period. Coverage under this subsection E is limited to costs you incur to: Includes copyrighted material of Insurance Services Office, Inc., with its permission BOP-BPP P0001A CW 06/20) Page 3 of 19 ',A H I SCOX Business Personal Property Coverage Part 1. rent equipment that has become unusable or would be more expensive to move than to rent; 2. move equipment and supplies into your temporary location; and 3. rent your temporary location, but only to the extent such costs exceed the costs to rent the premises where you normally conduct your business activities. Valuable papers and records F. damage to or loss of valuable papers and records that you own, or that are in your care, custody, or control, caused by or resulting from any covered cause of loss first commencing during the policy period. Coverage under this subsection F includes the cost to research, replace, or restore the lost information on valuable papers and records for which duplicates do not exist. This subsection F does not apply to: (i) property held as samples or for delivery after sale; or (ii) property in storage. Damage to or loss of valuable papers and records will be valued at the cost of restoration or replacement of the damaged or lost information. To the extent the contents of the valuable papers and records are not restored, the valuable papers and records will be valued at the cost of replacement with blank materials of substantially identical type. You must sustain or incur loss in excess of the applicable deductible before we will be obligated to make any payments under this Section III, and all such payments will be a part of, and not in addition to, the Business Personal Property Limit. IV. Your obligations Notifying us of losses A. You must give written notice to us of any damage to or loss of covered property as soon as reasonably possible, including a description of the property involved. All such notifications must be made in writing and submitted to us via the designated email address or mailing address identified in Item 6 of the Declarations. Deductible B. We will not be obligated to make any payments under this Coverage Part unless the covered loss you sustain in any one occurrence is greater than the deductible, in which case we will only be responsible for the amount of loss in excess of such deductible. No deductible applies to loss under Additional coverage A. Business income or Additional coverage C. Extra expense. Duties in the event of C. You must see that the following are done in the event of damage to or loss of covered damage or loss property: 1. Notify the police if a law may have been broken. 2. As soon as possible, give us a description of how, when, and where the damage or loss occurred. 3. Take all reasonable steps to protect the covered property from further damage, and keep a record of your expenses necessary to protect the covered property. Also, if feasible, set the damaged property aside and in the best possible order for examination. Any expenses you incur to protect such property will not increase the limits of liability, and we will not pay for any subsequent damage or loss resulting from a cause of loss that is not a covered cause of loss. 4. At our request, give us complete inventories of the damaged and undamaged property, including quantities, costs, values, and amount of the loss claimed. 5. As often as may be reasonably required, and up to three years after the end of the policy period, permit us to: inspect the property involved in the damage or loss and examine your books and records; take samples of the damaged and undamaged property for inspection, testing, and analysis; and make copies from your books and Includes copyrighted material of Insurance Services Office, Inc., with its permission BOP-BPP P0001A CW 06/20) Page 4 of 19 H I SCOX Business Personal Property Coverage Part records. 6. Send us a signed, sworn proof of loss containing the information we request to investigate the claim. You must do this within 60 days after our request. We will supply you with the necessary forms. 7. Resume all or part of your business activities as quickly as possible. Examination under oath D. We may examine you or any of your employees and representatives under oath, while not in the presence of any other employees or representatives and at such times as may be reasonably required, about any matter relating to this Coverage Part or the claim, including your books and records. In the event of such an examination, all answers must be signed. V. How loss is paid Payment of loss and valuation A. In the event of damage or loss covered by this Coverage Part, we will do one of the following at our option. We will give you notice of our intentions within 30 days after we receive the sworn proof of loss. 1. Payment of value: We will pay for the value of the damaged or lost covered property in excess of the deductible. For the following items, value will be determined according to the actual cash value: a. used or secondhand merchandise held in storage for sale; b. property of others. However, if any item of personal property of others is subject to a written contract governing your liability for damage or loss to that item, then valuation of that item will be based on the amount for which you are liable under such contract, not to exceed the replacement cost of the property or the Business Personal Property Limit, whichever is lower; c. household contents, except personal property in apartments or rooms furnished by you as a landlord; d. manuscripts; and works of art, antiques, or rare articles, including etchings, pictures, statuary, marble, bronzes, porcelain, and bric-a-brac. For all other items, value will be the replacement cost without deduction for depreciation. However, we will not pay on a replacement cost basis for any damage or loss: (i) until the damaged or lost property is actually repaired or replaced; and (ii) unless the repair and replacement is made as soon as reasonably possible after the damage or loss. You may make a claim for damage or loss covered by this Coverage Part on an actual cash value basis instead of on a replacement cost basis. In the event you elect to have damage or loss settled on an actual cash value basis, you may still make a claim on a replacement cost basis if you notify us of your intention to do so within 180 days after the damage or loss. 2. Pay to repair or replace: We will pay for the cost of repairing or replacing the damaged or lost covered property in excess of the deductible. To the extent that electronic data is not restored, the loss will be valued at the cost of replacement of the media on which the electronic data was stored, with blank media of substantially identical type. However, if at the time of loss: a. the limit applicable to the damaged or lost property is 80% or more of the full replacement cost of the property immediately before the loss, we will pay the cost Includes copyrighted material of Insurance Services Office, Inc., with its permission BOP-BPP P0001A CW 06/20) Page 5 of 19 H I SCOX Business Personal Property Coverage Part to repair or replace such property, but we will not be obligated to pay more than: i. the applicable limit of liability; ii. the cost to replace, at the same location, the damaged or lost property with other property: (i) of comparable material and quality; and (ii) used for the same purpose; or iii. the amount that you actually spend that is necessary to repair or replace the damaged or lost property, whichever is least. b. the limit applicable to the damaged or lost property is less than 80% of the full replacement cost of the property immediately before the loss, we will pay the greater of the following amounts: i. the actual cash value of the damaged or lost property; or ii. a proportion of the cost to repair or replace the damaged or lost property, after application of the deductible and without deduction for depreciation. This proportion will equal the ratio of the applicable limit to 80% of the full replacement cost of the property. In all events, we will not be obligated to pay more than the Business Personal Property Limit. 3. Salvage: We will take all or part of the damaged or lost property at an agreed or appraised value. 4. Repair, rebuild, or replace: We will repair, rebuild, or replace the damaged or lost covered property with other property of like kind and quality. The cost to repair, rebuild, or replace does not include the increased cost attributable to enforcement of or compliance with any ordinance or law regulating the construction, use, or repair of property. B. For the following items, we will take the following into consideration when adjusting the loss: 1. Accounts receivable: When there is proof of damage to or loss of your accounts receivable records and you cannot accurately establish the total amount of accounts receivable outstanding as of the date of such damage or loss, we will calculate the amount of the loss by taking into consideration the following: a. the total of the average monthly amounts of accounts receivable for the 12 months immediately preceding the month in which the damage or loss occurs; and b. the normal fluctuations in the amount of accounts receivable for the month in which the damage or loss occurred or for any demonstrated variance from the average for that month. The following will be deducted from the total amount of accounts receivable, however that amount is established: i. the amount of the accounts for which there is no damage or loss; ii. the amount of the accounts that you are able to reestablish or collect; iii. an amount to allow for probable bad debts that you are normally unable to collect; and iv. all unearned interest and service charges. If it is possible to reconstruct accounts receivable records so that no shortage is sustained, we will only pay the reasonable and necessary costs incurred to re-establish or reconstruct such records, and not for any costs covered by any other insurance. 2. Business income: Includes copyrighted material of Insurance Services Office, Inc., with its permission BOP-BPP P0001A CW 06/20) Page 6 of 19 ^SA H I SCOX Business Personal Property Coverage Part In calculating income loss, we will take into consideration: a. your actual earnings during the 12 months immediately preceding the date of the damage or loss; and b. the trend of your business and variations before and after the loss so that allowances are made for any material variations or changed circumstances, whether relating to market conditions or otherwise. When fully adjusted, the income loss payable will represent as ready as possible the eamings you would have realized during the period of restoration had such damage or loss not occurred. If you could have reduced the total income loss or extra expense resulting from the interruption of business by: i. a complete or partial resumption of the business operations; ii. making use of merchandise, stock, or other property at the affected location or elsewhere, or another source or outlet for your materials or products; and/or iii. using or increasing business operations elsewhere, we will take such possible reduction of loss into account when calculating the amount of loss we will pay. 3. Glass: In the event of a loss covered under this Coverage Part, we will also pay for: a. reasonable and necessary expenses to put up temporary plates or board up openings if repair or replacement of damaged glass is delayed; b. expenses to remove or replace obstructions when repairing or replacing glass that is part of a building, but we will not pay to remove or replace any window displays; and c. the cost to replace covered glass with safety glazing material, if required by law. 4. Tenants' improvements and betterments: In the event of damage to or loss of tenants' improvements and betterments, we will pay: a. replacement cost if you make repairs promptly; b. a proportion of your original cost if you do not make repairs promptly. We will determine the proportionate value as follows: i. multiply the original cost by the number of days from the damage or loss to the expiration of the lease; and ii. divide the amount determined in i. above by the number of days from the installation of improvements to the expiration of the lease. If your lease contains a renewal option, the expiration of the renewal option period will replace the expiration of the lease in this provision; or c. nothing if others pay for repairs or replacement. 5. Water damage or, other liquid, powder, or molten material damage: If damage or loss caused by or resulting from covered water or other liquid, powder, or molten material occurs, we will also pay the cost to tear out and replace any part of the building or structure to repair damage to the system or appliance from which the water or other substance escapes. We will not pay the cost to repair any defect in such system or appliance that caused the damage or loss, but we will pay the cost to repair or replace damaged parts of fire extinguishing equipment if the damage: a. results in discharge of any substance from an automatic fire protection system; or Includes copyrighted material of Insurance Services Office, Inc., with its permission BOP-BPP P0001A CW 06/20) Page 7 of 19 H I SCOX Business Personal Property Coverage Part b. is directly caused by freezing. Resumption of operations C. If you could have reduced the amount of your income loss or extra expense resulting from the suspension of your business activities by: 1. using damaged or undamaged property (including merchandise or stock); or 2. a complete or partial resumption of your business activities, we will take such possible reduction of loss into account when calculating the amount of loss we will pay. Seasonal increase D. To provide for seasonal variances in your business activities, we will automatically increase the Business Personal Property Limit when adjusting any losses you sustain by: 1. the Seasonal Increase percentage shown in the Declarations; or 2. 25%, if no Seasonal Increase percentage is shown in the Declarations, so long as the Business Personal Property Limit you purchased is at least 100% of your average monthly values during the: a. 12 months immediately preceding the date the damage or loss occurs; or b. period of time you have been in business as of the date the damage or loss occurs, whichever is less. When we will pay loss E. We will pay for covered damage or loss within 30 days after we receive the sworn proof of loss, provided you have complied with all of the terms of this policy, and either we have reached agreement with you on the amount of loss or an appraisal award has been made. Who we will pay F. 1. Your property: If you own the covered property that is damaged or lost, then we will adjust the loss with you and pay you or anyone you designate. However, we will not pay you more than your financial interest in the covered property. 2. Property of others: Our payment for damage to or loss of property of others will only be for the account of the owners of the property. We may adjust losses with the owners of damaged or lost property if other than you. If we pay the owners, such payments will satisfy your claims against us for the owners' property. We will not pay the owners more than their financial interest in the covered property. We may elect to defend you against suits arising from claims of owners of property, which we will do at our own expense. VI. Limitations — What is not covered property A. We will not pay for damage to or loss of: 1. property that is missing, where the only evidence of the damage or loss is a shortage disclosed on taking inventory, or other instances where there is no physical evidence to show what happened to the property; 2. property that has been transferred on the basis of unauthorized instructions; or 3. the interior of any building or structure, or to the personal property in the building or structure, caused by or resulting from rain, snow, sleet, ice, sand, or dust, whether driven by wind or not, unless: (i) the building or structure first sustains damage by a covered cause of loss; or (ii) the loss or damage is caused by or results from thawing Includes copyrighted material of Insurance Services Office, Inc., with its permission BOP-BPP P0001A CW 06/20) Page 8 of 19 H I SCOX Business Personal Property Coverage Part of snow, sleet, or ice on the building or structure. B. We will not pay for damage to or loss of the following types of property unless caused by the specified causes of loss or building glass breakage: 1. animals, and then only if they are killed or their destruction is made necessary; or 2. fragile articles such as glassware, statuary, marble, chinaware, and porcelain, if broken. This restriction does not apply to: (i) glass that is part of the exterior or interior of a building or structure; (ii) containers of property held for sale and stored in their original packaging or containers; or (iii) photographic or scientific instruments or lenses. C. For damage or loss by theft, the following types of property are covered only up to the corresponding sublimits stated in the Declarations: (i) furs, fur garments, and garments trimmed with fur; (ii) jewelry, watches, watch movements, jewels, pearls, precious and semiprecious stones, bullion, gold, silver, platinum, and other precious alloys or metals (except for jewelry and watches worth $100 or less per item; and (iii) patterns, dies, molds, and forms. VII. Exclusions — What we will not pay A. We will not pay for damage or loss caused directly or indirectly by or resulting from any of the following. Such damage or loss is excluded regardless of any other cause or event that contributes concurrently or in any sequence to the loss. These exclusions apply whether or not the loss event results in widespread damage or affects a substantial area: Earth movement Fungi, wet rot, or dry rot Governmental action Ordinance or law 1. earthquake, including tremors and aftershocks and any earth sinking, rising, or shifting related to such event; landslide, including any earth sinking, rising, or shifting related to such event; mine subsidence, meaning subsidence of a human -made mine, whether or not mining activity has ceased; and earth sinking (other than sinkhole collapse), rising, or shifting including soil conditions which cause settling, cracking, or other disarrangement of foundations or other parts of real property. Soil conditions include contraction, expansion, freezing, thawing, erosion, improperly compacted soil, and the action of water under the ground surface. But if earth movement, as described in this paragraph, results in fire or explosion, we will pay for the damage or loss caused by such fire or explosion. This exclusion applies regardless of whether the earth movement is caused by an act of nature or is otherwise caused. 2. presence, growth, proliferation, spread, or any activity of fungi, wet rot, or dry rot. But if fungi, wet rot, or dry rot results in the specified causes of loss, we will pay for the damage or loss caused by the specified causes of loss. However, this exclusion does not apply when fungi, wet rot, or dry rot results from fire or lightning. 3. seizure or destruction of property by order of governmental authority; however, we will pay for damage or loss caused by or resulting from acts of destruction ordered by a governmental authority and taken at the time of a fire to prevent its spread, if the fire would be covered under this Coverage Part. 4. the enforcement of or compliance with any ordinance or law: (i) regulating the construction, use, or repair of any property; or (ii) requiring the tearing down of any property, including the cost of removing its debris. This exclusion applies whether the loss results from: an ordinance or law that is enforced even if the property has not been damaged; or Includes copyrighted material of Insurance Services Office, Inc., with its permission BOP-BPP P0001A CW 06/20) Page 9 of 19 At H I SCOX Business Personal Property Coverage Part b. the increased costs incurred to comply with an ordinance or law in the course of construction, repair, renovation, remodeling, or demolition of property or removal of its debris, following a physical loss to that property. Utility services Virus or bacteria Volcanic eruption 5. the failure of power, communication, water, or other utility service, however caused, if the failure: (i) originates away from the location of the covered property; or (ii) involves equipment used to supply the utility service to the location from a source away from the location. Failure of any utility service includes lack of sufficient capacity and reduction in supply. Damage or loss caused by a surge of power is also excluded, if the surge would not have occurred but for an event causing a failure of power. However, if the failure or surge of power, or the failure of communication, water, or other utility service, results in a covered cause of loss, we will pay for the damage or loss caused by that covered cause of loss. Communication services include but are not limited to services relating to internet access or access to any electronic, cellular, or satellite network. This exclusion does not apply to damage or loss to computers or electronic data. 6. any virus, bacterium, or other microorganism that induces or is capable of inducing physical distress, illness, or disease; however, this exclusion will not apply to damage or loss caused by or resulting from fungi, wet rot, or dry rot. 7. volcanic eruption, explosion, or effusion; however, if volcanic eruption, explosion, or effusion results in fire, building glass breakage, or volcanic action, we will pay for the loss or damage caused by such fire, building glass breakage, or volcanic action. For purposes of this exclusion, "volcanic action" means direct damage or loss resulting from the eruption of a volcano when the damage or loss is caused by: (i) airbome volcanic blast or airborne shock waves; (ii) ash, dust, or particulate matter; or (iii) lava flow. With respect to coverage for volcanic action as set forth in this paragraph, all volcanic eruptions that occur within any 168 -hour period will constitute a single occurrence. Volcanic action does not include the cost to remove ash, dust, or particulate matter that does not cause damage to or loss of covered property. Water 8. 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); mudslide or mudflow; water that backs up or overflows or is otherwise discharged from a sewer, drain, sump, sump pump, or related equipment; water under the ground surface pressing on, or flowing or seeping through, foundations, walls, floors, or paved surfaces, basements, whether paved or not, or doors, windows, or other openings; or waterborne material carried or otherwise moved by any of the water referred to above or material carried or otherwise moved by mudslide or mudflow. This exclusion applies regardless of whether any of the above is caused by an act of nature or is otherwise caused. An example of a situation to which this exclusion applies is the situation where a dam, levee, seawall, or other boundary or containment system fails in whole or in part, for any reason, to contain the water. However, if any of the above results in fire, explosion, or sprinkler leakage, we will pay for the damage or loss caused by such fire, explosion, or sprinkler leakage. Exclusions 1, 2, 4, 5, 6, 7, and 8 will not apply to Coverage extension A. Accounts receivable or Coverage extension G. Valuable papers and records. B. We will not pay for damage or loss caused by or resulting from any of the following: Collapse 9. collapse, including any of the following conditions of property or any part of the property: (i) an abrupt falling down or caving in; (ii) loss of structural integrity, including separation of parts of the property or property in danger of falling down or caving in; or (iii) any cracking, bulging, sagging, bending, leaning, settling, shrinkage, or expansion as such condition relates to the Includes copyrighted material of Insurance Services Office, Inc., with its permission BOP-BPP P0001A CW 06/20) Page 10 of 19 I,A H I SCOX Business Personal Property Coverage Part foregoing. But if collapse results in a covered cause of loss, we will pay for the damage or loss caused by such covered cause of loss. This exclusion does not apply to collapse caused by one or more of the following: a. the specified causes of loss; b. breakage of building glass; c. weight of rain that collects on a roof; or d. weight of people or personal property. Consequential losses 10. delay, loss of use, or loss of market. Continuous or repeated 11. continuous or repeated seepage or leakage of water, or the presence or condensation of seepage or leakage of water humidity, moisture, or vapor, that occurs over a period of 14 days or more. Cyber incident 12. any: a. unauthorized access to or use of any computer system, including electronic data; b. 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; c. denial of service attack which disrupts, prevents, or restricts access to or use of any computer system, or otherwise disrupts its normal functioning or operation; or d. threat, hoax, or demand relating to subparts a, b, or c above. But if any event described in subparts a, b, or c above results in a fire or explosion, we will pay for the loss of or damage to covered property caused by that fire or explosion, so long as the applicable state law governing this policy requires that such losses be covered in accordance with that state's standard fire policy provisions. However, this exclusion will not apply to: i. damage to or loss of electronic data otherwise covered under Additional coverage B. Electronic data; ii. income loss and extra expense otherwise covered under Additional coverage A.5. Interruption of computer operations. Dishonesty Electrical apparatus 13. dishonest or criminal acts (including theft) by you, anyone else with an interest in the property, or any of your or their partners, members, officers, managers, employees (including temporary or leased employees), directors, trustees, or authorized representatives, whether acting alone or in collusion with each other or with any other party; or b. theft by any person to whom you entrust the property for any purpose, whether acting alone or in collusion with any other party. This exclusion applies whether or not an act occurs during your normal hours of operation, but does not apply to acts of destruction by your employees (including temporary or leased employees) or authorized representatives. Solely with respect to coverage provided for your accounts receivable records and valuable papers and records, this exclusion does not apply to acts committed by carriers for hire. 14. artificially generated electrical, magnetic, or electromagnetic energy that damages, disturbs, disrupts, or otherwise interferes with any: (i) electrical or electronic wire, device, appliance, system, or network; or (ii) device, appliance, system, or network utilizing cellular or satellite technology. Includes copyrighted material of Insurance Services Office, Inc., with its permission BOP-BPP P0001 CW 06/20) Page 11 of 19 GOO H I SCOX Business Personal Property Coverage Part For purposes of this exclusion, electrical, magnetic, or electromagnetic energy includes but is not limited to: (i) electrical current, including arcing; (ii) electrical charge produced or conducted by a magnetic or electromagnetic field; (iii) pulse of electromagnetic energy; or (iv) electromagnetic waves or microwaves. However, if fire results, we will pay for the damage or loss caused by such fire. We will pay for damage to or loss of any computers due to artificially generated electrical, magnetic, or electromagnetic energy, but only if such damage or loss is caused by or results from: a. an occurrence that took place within 100 feet of the location where you were using such computers in connection with the performance of your business activities; or b. interruption of electric power supply, power surge, blackout, or brownout if the cause of such occurrence took place within 100 feet of the location where you were using such computers in connection with the performance of your business activities. Electrical disturbance 15. electrical or magnetic injury, disturbance, or erasure of electronic data, except we will pay for: a. damage to or loss of electronic data otherwise covered under Additional coverage B. Electronic data; or b. direct damage or loss caused by lightning. Errors or omissions 16. errors or omissions in: (i) programming, processing, or storing data, as described under electronic data or in any computer operations; or (ii) processing or copying valuable papers and records. However, we will pay for damage or loss caused by resulting fire or explosion if these causes of loss would otherwise be covered by this Coverage Part. Exposed property 17. rain, snow, ice, or sleet to personal property in the open. False pretense 18. voluntary parting with any property by you or anyone else to whom you have entrusted the property if induced to do so by any fraudulent scheme, trick, device, or false pretense. Frozen plumbing 19. water or other liquid, powder, or molten material that leaks or flows from plumbing, heating, air conditioning, or other equipment (except fire protective systems) caused by or resulting from freezing, unless: (i) you do your best to maintain heat in the building or structure; or (ii) you drain the equipment and shut off the supply if heat is not maintained. Installation, testing, repair 20. errors or deficiency in the design, installation, testing, maintenance, modification, or repair of your computer system including electronic data. But we will pay for damage or loss caused by resulting fire or explosion if these causes of loss would be covered by this Coverage Part. Other types of loss 21. a. wear and tear, rust or other corrosion, decay, deterioration, hidden or latent defect, or any quality in property that causes it to damage or destroy itself; b. smog, dampness or dryness of atmosphere, or changes in or extremes of temperature; c. settling, cracking, shrinking, or expansion; d. nesting or infestation, or discharge or release of waste products or secretions, by insects, birds, rodents, or other animals; mechanical breakdown, including rupture or bursting caused by centrifugal force; however, this exclusion will not apply to the breakdown of computers; or f. marring or scratching. However, if any of the above results in any specified causes of loss or building glass breakage, we will pay for the damage or loss caused by such specified causes of loss or building glass breakage. Includes copyrighted material of Insurance Services Office, Inc., with its permission BOP-BPP P0001A CW 06/20) Page 12 of 19 HI SCOX Business Personal Property Coverage Part Pollution 22. the discharge, dispersal, seepage, migration, release, or escape of pollutants, unless the discharge, dispersal, seepage, migration, release, or escape is itself caused by the specified causes of loss. However, if the discharge, dispersal, seepage, migration, release, or escape of pollutants results in the specified causes of loss, we will pay for the damage or loss caused by the specified causes of loss. Smoke, vapor, gas 23. smoke, vapor, or gas from agricultural smudging or industrial operations. Steam apparatus 24. explosion of steam boilers, steam pipes, steam engines, or steam turbines owned or leased by you, or operated under your control. However, if an explosion of steam boilers, steam pipes, steam engines, or steam turbines results in fire or combustion explosion, we will pay for damage or loss caused by or resulting from the explosion of gases or fuel within the furnace of any fired vessel or within the flues or passages through which the gases of combustion pass. Exclusions 9, 10, 11, 14, 15, 17, 19, 20, 21, 22, 23, and 24 will not apply to Coverage extension A. Accounts receivable or Coverage extension G. Valuable papers and records. C. We will not pay for damage or loss caused by or resulting from any of the following, but if an excluded cause of loss that is listed below results in any covered causes of loss, we will pay for the damage or loss caused by such covered cause of loss: Acts or decisions 25. acts or decisions, including the failure to act or decide, of any person, group, organization, or governmental body. Damage or loss to products 26. solely with respect to any merchandise, goods, or other product, any error or omission by any person or entity (including those having possession under an arrangement where work or a portion of the work is outsourced) in any stage of the development, production, or use of the product, including planning, testing, processing, packaging, installation, maintenance, or repair. This exclusion applies to any effect that compromises the form, substance, or quality of the product. Negligent work 27. faulty, inadequate, or defective: (i) planning, zoning, development, surveying, or siting; (ii) design, specifications, workmanship, repair, construction, renovation, remodeling, grading, or compaction; (iii) materials used in repair, construction, renovation, or remodeling; or (iv) maintenance, of all or part of any property. Weather conditions 28. weather conditions; however, this exclusion applies only if weather conditions contribute in any way with a cause or event excluded in Section VII. Exclusions —What is not covered, A to produce the damage or loss. Exclusion 26 will not apply to Coverage extension A. Accounts receivable or Coverage extension G. Valuable papers and records. D. Solely with respect to your accounts receivable records, we will not pay for damage or loss: Alteration or falsification of 29. caused by or resulting from alteration, falsification, concealment, or destruction of records of records accounts receivable done to conceal the wrongful giving, taking or withholding of money, securities, or other property. This exclusion applies only to the extent of the wrongful giving, taking, or withholding. Bookkeeping errors 30. caused by or resulting from bookkeeping, accounting, or billing errors or omissions. Loss requiring audit or 31. that requires any audit of records or any inventory computation to prove its factual existence. computation E. We will not pay for any extra expense or increase of income loss caused by or resulting from: Strikes/civil commotion 32. the delay in rebuilding, repairing, or replacing the damaged covered property or resuming your business operations due to interference at the location of the rebuilding, repair, or replacement by strikers or other persons. Includes copyrighted material of Insurance Services Office, Inc., with its permission BOP-BPP P0001A CW 06/20) Page 13 of 19 ',A H I SCOX Business Personal Property Coverage Part Suspension of license or contract 33. the suspension, lapse, or cancellation of any license, lease, or contract. However, if the suspension, lapse, or cancellation is directly caused by the suspension of your business operations, we will cover such loss that affects your income loss during the period of restoration and any extension of the period of restoration in accordance with the terms of Additional coverage A.4. Extended business interruption. VIII. Definitions The following definitions apply to this Coverage Part. Additional definitions are contained in the General Terms and Conditions, Section VI. Definitions applicable to all Coverage Parts. Accounts receivable means amounts due from your customers that you are unable to collect. Computer means any: (i) programmable electronic equipment that is used to store, retrieve, and process data; and (ii) associated peripheral equipment that provides communication, including input and output functions such as printing and auxiliary functions such as data transmission. Computer does not include those used to operate production -type machinery or equipment. Coverage territory means the United States of America, its territories or possessions, or Canada. Covered cause of loss means direct physical damage or physical loss that is not otherwise excluded or limited under Section VI. Limitations or Section VIII. Exclusions —What is not covered of this Coverage Part. Covered property means the following types of business personal property used or in your possession in connection with your business activities and located within the coverage territory: 1. property you own; 2. property of others that is in your care, custody, or control, except as otherwise provided in Section V. How loss is paid, F.2. Property of others; 3. tenants' improvements and betterments. Improvements and betterments are fixtures, alterations, installations, or additions: (i) made a part of the building or structure you occupy but do not own; and (ii) you acquired or made at your expense but cannot legally remove; 4. leased personal property which you have a written contractual responsibility to insure, unless otherwise provided for under paragraph 2 above; and 5. exterior building glass, if you are a tenant. The glass must be owned by you or in your care, custody, or control. If any property described in parts 1-4 above is located at your residence, such property will qualify as covered property only if it is used in connection with your business activities. Covered property does not include: aircraft, automobiles, motortrucks, motorcycles, trailers, and any other vehicles subject to motor vehicle registration; b. money or securities; c. contraband or property in the course of illegal transportation or trade; d. land, whether resurfaced with stone, gravel, or another similar layer (including land on which the property is located), water, growing crops, or lawns (other than lawns which are part of a vegetated roof); e. outdoor fences, radio or television antennas (including satellite dishes) and their lead-in wiring, masts, or towers, signs (other than signs attached to buildings), trees, shrubs, or plants (other than trees, shrubs, or plants which are part of a vegetated roof); f. watercraft (including motors, equipment, and accessories) while afloat; g. accounts, bills, food stamps, other evidences of debt, accounts receivable, or valuable papers and records, except as otherwise provided in this Coverage Part; h. computers which are permanently installed or designed to be permanently installed in any aircraft, automobiles, motortrucks, motorcycles, trailers, watercraft, or other vehicle subject to Includes copyrighted material of Insurance Services Office, Inc., with its permission BOP-BPP P0001A CW 06/20) Page 14 of 19 J• ^�A HI SCOX Business Personal Property Coverage Part motor vehicle registration. This paragraph does not apply to computers while held as stock; i. electronic data, except as provided in Additional coverage B. Electronic data. This paragraph i does not apply to your stock of prepackaged software or to electronic data which is integrated in and operates or controls the building's elevator, lighting, heating, ventilation, air conditioning, or security system; animals, unless owned by others and boarded by you, or if owned by you, only as stock while inside of buildings; k. property that is covered under another policy in which it is more specifically described, except for the excess of the amount due (whether collectible) from that other insurance; I. property left or stored in the open except those that typically reside outside; m. commercial tools and small equipment. This does not apply to your commercial tools and small equipment permanently installed or exclusively used at any premises where you perform business activities; or n. employee tools and small equipment. Deductible means the amount stated as such under the Business Personal Property Coverage Part section of the Declarations. Dependent property means a property located within the coverage territory that is owned by others and on which you depend to: 1. deliver materials or services to you or to others for your account. But services does not mean water supply services, wastewater removal services, communication supply services, or power supply services; 2. accept your products or services; 3. manufacture your products for delivery to your customers under contract for sale; or 4. attract customers to your business. Electronic data means information, facts, or computer programs stored as or on, created or used on, or transmitted to or from computer software (including systems and applications software), on hard or floppy disks, CD-ROMs, tapes, drives, cells, data processing devices, or any other repositories of computer software which are used with electronically controlled equipment. The term computer programs, as used in this definition, means a set of related electronic instructions which direct the operations and functions of a computer or device connected to it, which enable the computer or device to receive, process, store, retrieve, or send data. Extra expense means the following reasonable and necessary expenses you incur during the period of restoration to: 1. avoid or minimize the suspension of your business activities, including any relocation expenses and costs you incur to equip and operate a temporary location; or 2. minimize the suspension of business if you cannot continue your business activities, including: a. repairing or replacing any business personal property; or b. researching, replacing, or restoring the lost information on damaged valuable papers and records, but only to the extent such efforts reduce the amount of loss that otherwise would have been payable under this Coverage Part, provided, you would not have incurred such expenses if no damage or loss resulting from a covered cause of loss had occurred. The most we will pay for extra expense is the reasonable and necessary costs and expenses you actually incur to minimize the interruption to your business activities, or your expected income loss, whichever is less. Includes copyrighted material of Insurance Services Office, Inc., with its permission BOP-BPP P0001A CW 06/20) Page 15 of 19 ete, H I SCOX Business Personal Property Coverage Part Fungi means any type or form of fungus, including mold or mildew, and any mycotoxins, spores, scents, or by-products produced or released by fungi. Income loss means the sum of the following: 1. net income (net profit or loss before taxes) you would have earned if no damage or loss had occurred, but does not include net income that likely would have been earned as a result of an increase in the volume of business due to favorable business conditions caused by the impact of the covered cause of loss on customers or on other businesses; and 2. continuing normal operating expenses you incur, including ordinary payroll for your employees, but not any of your: (i) officers; (ii) partners; (iii) members; (iv) managers; or (v) employees under contract. Manager means a person serving in a directorial capacity for a limited liability company Member means an owner of a limited liability company represented by its membership interest, who also may serve as a manager. Money means: (i) currency, coins, and bank notes in current use and having a face value; and (ii) traveler's checks, register checks, and money orders held for sale to the public. Period of restoration means the period of time that begins immediately after the: 1. expiration of the waiting period; or 2. time of damage or loss if no waiting period applies, and ends on the earlier of the date when: a. the property should be repaired, rebuilt, or replaced with reasonable speed and similar quality; or b. your business activities are resumed to a level which would generate the same income amount that would have existed had no damage or loss occurred. Period of restoration does not include any increased period required due to the enforcement of or compliance with any ordinance or law that: i. regulates the construction, use, or repair, or requires the tearing down, of any property; or ii. requires anyone to test for, monitor, clean up, remove, contain, treat, detoxify, neutralize, respond to, or assess the effects of pollutants. The end of the policy period will not cut short the period of restoration. Pollutants Secondary dependent property mean any solid, liquid, gaseous, or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals, and waste. Waste includes, but is not limited to, materials to be recycled, reconditioned, or reclaimed. Pollutants does not include any virus, bacterium, or other microorganism that induces or is capable of inducing physical distress, illness, or disease. means an entity located within the coverage territory that is not owned or operated by you or a dependent property and: 1. delivers materials or services to a dependent property, which in turn are used by the dependent property in providing materials or services to you; or 2. accepts materials or services from a dependent property, which in turn accepts your materials or services. Secondary dependent property does not include: a. a road, bridge, tunnel, waterway, airfield, pipeline, or any other similar area or structure; or b. any entity that provides the following services: i. water supply; Includes copyrighted material of Insurance Services Office, Inc., with its permission BOP-BPP P0001A CW 06/20) Page 16 of 19 e,A H I SCOX Business Personal Property Coverage Part ii. wastewater removal; iii. communication supply; or iv. power supply. Securities means negotiable and nonnegotiable instruments or contracts representing either money or other property and includes: (i) tokens, tickets, revenue, and other stamps (whether represented by actual stamps or unused value in a meter) in current use; and (ii) evidences of debt issued in connection with creditor charge cards, which cards are not issued by you. Securities does not include money. Specified causes of loss means: (i) fire; (ii) lightning; (iii) explosion; (iv) windstorm or hail; (v) smoke; (vi) aircrafts or vehicles; (vii) riot or civil commotion; (viii) vandalism (but not any cyber incident); (ix) leakage from fire extinguishing equipment; (x) sinkhole collapse; (xi) volcanic action; (xii) falling objects; (xiii) weight of snow, ice, or sleet; or (xiv) water damage. For purposes of this definition: 1. "sinkhole collapse" means the sudden sinking or collapse of land into underground empty spaces created by the action of water on limestone or dolomite. This cause of loss does not include: (i) the cost of filling sinkholes; or (ii) sinking or collapse of land into human -made underground cavities. 2. "falling objects" does not include damage to or loss of: (i) personal property in the open; or (ii) the interior of a building or structure, or property inside a building or structure, unless the roof or an outside wall of the building or structure is first damaged by a falling object. 3. "water damage" means: accidental discharge or leakage of water or steam as the direct result of the breaking apart or cracking of any part of a system or appliance (other than a sump system including its related equipment and parts) containing water or steam; or b. accidental discharge or leakage of water or waterborne material as the direct result of the breaking apart or cracking of a water or sewer pipe that is part of a municipal potable water supply system or municipal sanitary sewer system, if the breakage or cracking is caused by wear and tear. But water damage does not include damage or loss otherwise excluded under the terms of Exclusion 8. Water. Therefore, for example, there is no coverage if discharge or leakage of water results from the breaking apart or cracking of a pipe which was caused by or related to weather -induced flooding, even if wear and tear contributed to the breakage or cracking. As another example, and also in accordance with the terms of Exclusion 8. Water, there is no coverage for damage or loss caused by or related to weather -induced flooding which follows or is exacerbated by pipe breakage or cracking attributable to wear and tear. To the extent accidental discharge or leakage of water falls within the criteria set forth in 3.a or 3.b of this definition, such water is not subject to the provisions of Exclusion 8. Water which preclude coverage for surface water or water under the ground surface. 4. "volcanic action" means direct damage or loss resulting from the eruption of a volcano when the damage or loss is caused by: (i) airborne volcanic blast or airborne shock waves; (ii) ash, dust, or particulate matter; or (iii) lava flow. Volcanic action does not include the cost to remove ash, dust, or particulate matter that does not cause damage to or loss of covered property. Stock means merchandise held in storage or for sale, raw materials, and in -process or finished goods, including supplies used in their packing or shipping. Valuable papers and records means inscribed, printed, or written documents, manuscripts, and records, including abstracts, books, deeds, drawings, films, maps, or mortgages. Valuable papers and records does not include money, securities, or electronic data. Waiting period means the number of hours stated as such in the Declarations commencing from the date and time Includes copyrighted material of Insurance Services Office, Inc., with its permission BOP-BPP P0001A CW 06/20) Page 170119 H I SCOX Business Personal Property Coverage Part on which the initial interruption to your business activities occurs. You or your means the named insured identified in Item 1 of the Declarations. IX. Other provisions affecting coverage Abandonment A. Appraisal B. Control of property C. Examination of your books D. and records Inspections and surveys E. Legal action against us F. Multiple coverages G. No benefit to bailee H. Recovered property I. There can be no abandonment of any property to us. If we and you disagree on the amount of loss, including income loss or extra expense, either party may make a written demand for an appraisal of such loss. If such demand is made, each party will select a competent and impartial appraiser. The appraisers will then jointly select an umpire. If the appraisers cannot agree on an umpire, they may request that such selection be made by a judge of a court having jurisdiction. Each appraiser will separately state the amount of loss. If the appraisers do not agree on the amount of the loss, they will submit their differences to the umpire. Agreement by the umpire and at least One of the appraisers regarding the amount of the loss will be binding on you and us. Each party will pay their respective chosen appraiser and will equally share the costs of the umpire. Any act or neglect of any person other than you beyond your direction or control will not affect this insurance. However, we will not be obligated to make any payments under this Coverage Part for any damage to or loss of covered property resulting from your failure to use all reasonable means to save and preserve property from further damage at and after the time of loss. We may examine and audit your books and records as they relate to this policy at any time during the policy period and up to three years afterward. We have the right, but not the duty, to: (i) make inspections and surveys at any time; (ii) give you reports on the conditions we find; and (iii) recommend changes for you to make. Any such actions we do undertake relate only to insurability and the premiums to be charged. We do not: 1. make safety inspections; 2. undertake to perform the duty of any person or organization to provide for the health or safety of workers or the public; or 3. warrant that conditions are safe and healthful or comply with any laws, regulations, codes, or standards. No one may bring a legal action against us under this Coverage Part unless: (i) there has been full compliance with all of the terms of this policy; and (ii) the action is brought within two years after the date on which the damage or loss occurred. If the same loss is covered under more than one Additional coverage or Coverage extension, we will not pay more than the actual amount of the damage or loss. No person or organization, other than you, having custody of covered property will benefit from this insurance. If either you or we recover any property after loss settlement, that party must give the other prompt notice. At your option, you may retain the property. But then you must return to us the amount we paid to you for the property. We will pay recovery expenses and the expenses to repair the recovered property subject to the Business Personal Property Limit. Includes copyrighted material of Insurance Services Office, Inc., with its permission BOP-BPP P0001A CW 06/20) Page 18 of 19 'I' H I SCOX Business Personal Property Coverage Part Vacancy J. If any building where damage or loss occurs has been vacant for more than 60 consecutive days before such damage or loss occurs, we will not pay for any damage or loss caused by any of the following even if they are covered causes of loss: (i) vandalism; (ii) sprinkler leakage, unless you have protected the system against freezing; (iii) building glass breakage; (iv) water damage; (v) theft; or (vi) attempted theft. With respect to covered causes of loss other than those listed in this paragraph, we will reduce the amount we would otherwise pay for the damage or loss by 15%. As used in this subsection J, the terms "building" and "vacant" will have the following meanings: 1. when this policy is issued to a tenant, and with respect to that tenant's interest in covered property, building means the unit or suite rented or leased to the tenant. Such building is vacant when it does not contain enough business personal property to conduct customary operations. 2. when this policy is issued to the owner or general lessee of a building, building means the entire building. Such building is vacant unless at least 31% of its total square footage is: (i) rented to a lessee or sublessee and used by the lessee or its sublessee to conduct its customary operations; and/or (ii) used by the building owner to conduct customary operations. Buildings under construction or renovation are not considered vacant. Includes copyrighted material of Insurance Services Office, Inc., with its permission BOP-BPP P0001 CW 06/20) Page 19 of 19 iSA HISCOX encourage courage' Endorsements Hiscox Insurance Company Inc. HISCOX encourage courage* Endorsement 13 NAMED INSURED: Wonder Years COLORADO Amendatory Endorsement Page 1 of 1 In consideration of the premium charged, and on the understanding this endorsement leaves all other terms, conditions, and exclusions unchanged, it is agreed the Business Personal Property Coverage Part is amended as follows: In Section V. How loss is paid, A. Payment of loss and valuation is modified to the extent necessary to provide the following: We will give you notice of our intentions within 60 days after we receive the sworn proof of loss; and We will pay for covered loss or damage within 60 days after we receive the sworn proof of loss, provided you have complied with all of the terms of this policy and: (i) we will have reached agreement with you on the amount of loss; or (ii) an appraisal award has been made. Endorsement Effective: January 22, 2024 Policy No.: P100.058.817.4 By: Kevin Kerridge (Appointed Representative) BOP-BPP E9203 CO (11/19) Hiscox Insurance Company Inc. HISCOX encourage courage* Endorsement 14 NAMED INSURED: Wonder Years Unmanned Aircraft Exclusion (Property) Page 1 of 1 In consideration of the premium charged, and on the understanding this endorsement leaves all other terms, conditions, and exclusions unchanged, it is agreed the Business Personal Property Coverage Pad is amended as follows: I. The following is added to the end of Section VII. Exclusions — What we will not pay: UA-A. We will not pay for loss or damage to unmanned aircraft, or any covered property in, on, or attached to unmanned aircraft, if such loss or damage: 1. occurs while an unmanned aircraft is being used to convey merchandise or goods for delivery to others; 2. occurs while such property is being rented, leased, or loaned to others; or 3. is caused by or results from unmanned aircraft being used in or prepared for any professional or organized racing, demolition contest, or stunting activity. II. The following definition is added to the end of Section VIII. Definitions: Unmanned aircraft means an aircraft that is not: 1. designed; 2. manufactured; or 3. modified after manufacture; to be controlled directly by a person from within or on the aircraft, and which is owned by you, or owned by others but within your care, custody, or control. Unmanned aircraft includes equipment designed for, and used exclusively with, such aircraft, provided that such equipment is essential for its operation or for executing your business activities. Endorsement Effective: January 22, 2024 Policy No.: P100.058.817.4 By: Kevin Kerridge (Appointed Representative) BOP-INTPROP E4013 CW (11/19) ntA HISCOX encourage courage* Policy Wording H I SCOX BOP General Liability Coverage Part I. Insuring agreements - What is covered A. Bodily injury and property We will pay up to the coverage part limit for damages you become legally obligated to pay damage because of bodily injury or property damage to which this Coverage Pad applies, provided: 1. the bodily injury or property damage occurs during the policy period; 2. the bodily injury or property damage is caused by an occurrence that takes place in the coverage territory; and 3. you have paid the applicable deductible if one is stated in the Declarations. We will have the right and duty to defend any claim seeking such damages, as set out in Section II. Defense and supplementary payments. We may, at our discretion, investigate any occurrence and settle any claim that may result. B. Personal and advertising We will pay up to the Personal and Advertising Injury Limit stated in the Declarations for damages injury you become legally obligated to pay because of personal and advertising injury to which this Coverage Part applies, provided: 1. the personal and advertising injury is caused by an offense arising out of your business operations; 2. the personal and advertising injury is caused by an offense committed in the coverage territoryduring the policy period; and 3. you have paid the applicable deductible if one is stated in the Declarations. We will have the right and duty to defend any claim seeking such damages, as set out in Section II. Defense and supplementary payments. We may, at our discretion, investigate any offense and settle any claim that may result. C. Medical payments Regardless of fault, we will pay up to the Medical Payments limit stated in the Declarations for medical expenses incurred by each person for bodily injury caused by an accident to which this Coverage Part applies, provided: 1. the accident takes place within the coverage territory and on premises rented to or owned by you, or in connection with your business operations; 2. the accident occurs during the policy period; 3. the expenses are incurred and reported to us within one year of the date of the accident; and 4. the person who sustained such bodily injury submits to examination, at our expense, by physicians of our choice as often as we reasonably require. II. Defense and supplementary payments A. Claims against you With respect to any claim against you that we investigate, defend, or settle, we will pay: 1. claim expenses we incur with counsel of our choice to defend you; 2. up to $2,500 for the cost of bail bonds required because of vehicle accidents or traffic law violations arising out of the use of any vehicle to which the bodily injury coverage described in Section I. Insuring agreements - What is covered, A. Bodily injury and property damage, applies, but we will have no obligation to apply for or fumish any such bonds; 3. the cost of bonds to release attachments, but only for bond amounts within the applicable limit. We will have no obligation to apply for or furnish any such bonds; Includes copyrighted material of Insurance Services Offices, Inc., with its permission BOP -GL P0001A CW (11/19) Page 1 of 16 ^,A HI SCOX BOP General Liability Coverage Part 4. reasonable expenses incurred by you at our request to assist us in the investigation or defense of such claim, including actual loss of earnings up to $250 a day because of time off from work; 5. court costs taxed against you in the claim; however, costs do not include attorney fees or expenses; 6. prejudgment interest awarded against you on that part of any judgment we pay. If we make an offer to pay the applicable limit, we will not pay any prejudgment interest based on the period of time after the offer; and 7. interest on the full amount of any judgment that accrues after entry of the judgment and before we have paid, offered to pay, or deposited in court the part of the judgment that is within the applicable limit. B. Claims against your indemnitee If we defend a claim against you, and your indemnitee is also named as a party to the claim, we will also defend such indemnitee if all of the following conditions are met: 1. the claim against the indemnitee seeks damages for which you have assumed the indemnitee's liability in an insured contract; 2. you have assumed the obligation to defend or pay for the defense of the indemnitee in the same insured contract; 3. this Coverage Part would apply to the liability you have assumed if the claim against the indemnitee had been made against you; 4. the allegations in the claim and the information we know about the occurrence are such that no conflict of interest appears to exist between your interests and your indemnitee's interests; 5. you and your indemnitee request that we conduct and control the defense of such indemnitee and agree we can assign the same counsel to defend both you and your indemnitee; and 6. your idemnitee agrees in writing to: follow the requirements of Section III. Your obligations to us, B. Your duty to cooperate, of the General Terms and Conditions; b. notify any other insurer whose coverage may be available to the indemnitee and cooperate with us with respect to coordinating any other insurance applicable to the indemnitee; and c. authorize us to conduct and control the defense of the indemnitee. Our obligation to make any payments under this Section II ends when we have used up the coverage part limit. No deductible will apply to amounts we pay under this Section II, and such payments will be in addition to, and not part of, the coverage part limit. III. Who is an insured A. Sole proprietorships In addition to the named insured, other persons or organizations may qualify as insureds, as stated below. For purposes of this Section III only, you means the named insured. If you are an individual, you and your spouse are insureds, but only with respect to the conduct of a business of which you are the sole owner. However, if you die: 1. persons or organizations having proper temporary custody of your property are insureds, but only with respect to the maintenance or use of such property and only for acts until your legal representative has been appointed; and 2. your legal representative is an insured, but only with respect to his or her duties as your legal representative. As such, they will assume your legal rights and duties under this Coverage Part. B. Partnerships or joint If you are a partnership (including a limited liability partnership) or a joint venture, your members, ventures partners, and their spouses are insureds, but only with respect to the conduct of your business. Includes copyrighted material of Insurance Services Offices, Inc., with its permission BOP -GL P0001A CW (11/19) Page 2 of 16 HI SCOX BOP General Liability Coverage Part C. Limited liability If you are a duly organized limited liability company, your members are insureds, but only with companies respect to the conduct of your business. Your managers are also insureds, but only with respect to their duties as your managers. D. Other organizations If you are an organization other than a partnership, joint venture, or limited liability company, your directors and officers are insureds, but only with respect to their duties as your directors or officers. Your stockholders are also insureds, but only with respect to their liability as your stockholders. E. Trusts If you are a trust, your trustees are insureds, but only with respect to their duties as your trustees. F. Employees Your employees are insureds, but only while in the course and scope of their employment by you or while performing duties related to the conduct of your business. G. Volunteer workers Your volunteer workers are insureds, but only while in the course and scope of their activities related to the conduct of your business. H. Real estate managers Persons (other than your employees) or organizations acting as your real estate managers are insureds, but only with respect to their duties as your real estate managers. IV. Limits of liability The limits stated in the Declarations and the rules below will be the most we will pay regardless of the number of: 1. insureds; 2. claims made or brought; or 3. persons or organizations making or bringing claims. A. Products -completed The Products -Completed Operations Each Occurrence Limit identified in the Declarations is the operations limit most we will pay for all damages because of bodily injury and property damage included in the products -completed operations hazard arising out of any one occurrence. If there is an Aggregate limit shown in the Declarations, the Products -Completed Operations Aggregate Limit is the most we will pay for all damages because of bodily injury and property damage included in the products -completed operations hazard arising out of all occurrences combined. If such Aggregate limit is shown in the Declarations, all payments we make for bodily injury and property damage included in the products -completed operations hazard will be in addition to, and not a part of, the coverage part limit. B. Personal and advertising The Personal and Advertising Injury Limit identified in the Declarations is the most we will pay for injury limit all damages because of personal and advertising injury arising out of any one claim. C. Damage to premises The Damage to Premises Rented to You limit identified in the Declarations is the most we will pay rented to you limit for all damages because of property damage to any one premises while rented to you or in the case of fire while rented to you or temporarily occupied by you with permission of the owner. D. Medical payments limit The Medical Payments limit identified in the Declarations is the most we will pay for the sum of medical expenses for bodily injury sustained by any one person covered under Section I. Insuring agreements What is covered, C. Medical payments. No deductible will apply to amounts we pay under Section I. Insuring agreements - What is covered, C. Medical payments, and such amounts will be in addition to, and not part of, the coverage part limit. All other limits described in this Section IV, except for the Products -Completed Operations Limit if there is an Aggregate limit shown in the Declarations, will be in excess of the deductible and will be a part of, and not in addition to, the coverage part limit. V. Other provisions affecting coverage Includes copyrighted material of Insurance Services Offices, Inc., with its permission BOP -GL P0001A CW (11/19) Page 3 of 16 H I SCOX BOP General Liability Coverage Part A. Notifying us of claims, 1. You must give written notice to us of any claim made or brought against you as soon as occurrences, or offenses possible, including the specifics of the claim and the date received. 2. You must give written notice to us of any occurrence or offense which may result in a claim as soon as possible. To the greatest extent possible, the notice must include: a. how, when, and where the occurrence or offense took place; b. the names and addresses of any injured persons and witnesses; and c. the nature and location of any injury or damage arising out of the occurrence or offense. All such notifications must be in writing and include a copy of any claim, and must be submitted to us via the designated email address or mailing address identified in Item 6 of the Declarations. B. Deductible Our obligation to pay any damages under this Coverage Part is in excess of the deductible, which you must pay in connection with each covered occurrence or offense, if one is stated in the Declarations. The deductible does not apply to claim expenses or any other payments we make under Section II. Defense and supplementary payments. C. Legal action against us No person or organization has a right under this Coverage Part: 1. to join us as a party or otherwise bring us into a claim seeking damages from you; or 2. to sue us on this Coverage Part unless all of its terms and conditions have been fully complied with. A person or organization may sue us to recover on an agreed settlement or final judgment against you, but we will not be liable for damages that are not covered under this Coverage Part or that are in excess of the applicable limits. An agreed settlement means a settlement and release of liability signed by us, you, and the claimant or claimant's legal representative. D. Other insurance For purposes of this Coverage Part, the Other insurance provision in Section V. Other provisions affecting coverage, of the General Terms and Conditions is replaced by the following: If other valid insurance is available to you for a claim we would otherwise cover under this Coverage Part, our obligations are limited as follows: 1. Primary insurance - This Coverage Part is primary except when the Excess insurance provision below applies. If this Coverage Part is primary, our obligations are not affected unless any of the other insurance is also primary. Then, we will share with any other insurance by the method described in the Method of sharing provision below. 2. Excess insurance - This Coverage Part is excess over any other insurance, whether primary, excess, contingent, or on any other basis: a. that applies to property damage; b. that is insurance available to you for liability arising out of premises or operations for which you have been added as an additional insured. When this Coverage Part is excess, we have no duty to defend you against any claim if any other insurer has a duty to defend you against such claim. If no other insurer defends, we will undertake to do so, but we will be entitled to your rights against those other insurers. When this Coverage Part is excess over other insurance, we will pay only our share of the amount of loss, if any, that exceeds the sum of: the total amount that all other insurance would pay for loss in the absence of this Coverage Part; and b. the total of all deductible and self -insured amounts under all other insurance and this Coverage Part. We will share the remaining loss, if any, with any other insurance that is not described in this Excess insurance provision and was not purchased or agreed specifically to apply in excess of this Coverage Part. Includes copyrighted material of Insurance Services Offices, Inc., with its permission BOP -GL P0001A CW (11/19) Page 4 of 16 H I SCOX BOP General Liability Coverage Part E. Separation of insureds Except with respect to the limits and any rights or duties specifically assigned to the named insured, this Coverage Part applies as if each named insured is the only named insured, and separately to each insured against whom a claim is made or brought. VI. Exclusions — What is not covered A. Bodily injury and property damage exclusions We will have no obligation to pay any sums under this Coverage Part, including any damages or claim expenses, for any claim for: Aircraft, autos, or 1. bodily injury or property damage arising out of the ownership, maintenance, use, or watercraft entrustment to others of any aircraft, auto, or watercraft owned or operated by or rented or loaned to any insured. Use includes operation and loading and unloading. This exclusion will apply even if the claim against you alleges negligence or other wrongdoing in the supervision, hiring, employment, training, or monitoring of others by you, if the occurrence causing the bodily injury or property damage involved the ownership, maintenance, use, or entrustment to others of any aircraft, auto, or watercraft owned or operated by or rented or loaned to you. However, this exclusion will not apply to: a. watercraft while ashore on premises owned by or rented to you; b. watercraft you do not own, provided it is: (1) less than 51 feet long; and (2) not being used to transport persons or property for a charge; c. the parking of an auto on, or on the ways next to, premises owned by or rented to you, provided the auto is not owned by or rented or loaned to you; d. liability assumed in an insured contract for the ownership, maintenance, or use of an aircraft or watercraft by others; or e. bodily injury or property damage arising out of: (1) the operation of machinery or equipment that is attached to, or part of, a land vehicle that would qualify under the definition of mobile equipment if it were not subject to a compulsory financial responsibility law or other motor vehicle insurance law in the state where it is licensed or principally garaged; or (2) operation of the equipment described in 6.b or 6.c of the definition of mobile equipment. Damage to impaired property or property not physically injured 2. property damage to impaired property or property that has not been physically injured arising out of: a. a defect, deficiency, inadequacy, or dangerous condition in your product or your work; or b. a delay or failure by you or anyone acting on your behalf to perform a contractor agreement in accordance with its terms and conditions. However, this exclusion will not apply to the loss of use of other property arising out of sudden and accidental physical injury to your product or your work after it has been put to its intended use. Damage to property 3. property damage to: a. property you own, rent, or occupy, including any costs or expenses incurred by you or any other person or organization for repair, replacement, enhancement, restoration, or maintenance of such property for any reason, including prevention of injury to a person or damage to another's property; Includes copyrighted material of Insurance Services Offices, Inc., with its permission BOP -GL P0001A CW (11/19) Page 5 of 16 H I SCOX BOP General Liability Coverage Part b. premises you sell, give away, or abandon, if the property damage arises out of any part of those premises; c. property loaned to you; d. personal property in the care, custody, or control of the insured; that particular part of real property on which you or any contractors or subcontractors working directly or indirectly on your behalf are performing operations, if the property damage arises out of those operations; or f. that particular part of any property that must be restored, repaired, or replaced because your work was incorrectly performed on it. Subsections a, c, and d of this exclusion will not apply to property damage (other than damage by fire) to premises (including the contents of the premises) rented to you for seven or fewer consecutive days. However, any payments we make for property damage to such property will be subject to the Damage to Premises Limit. Subsection b of this exclusion will not apply if the premises are your work and were never occupied, rented, or held for rental by you. Subsections c, d, e, and f of this exclusion will not apply to liability assumed under a sidetrack agreement. Subsection f of this exclusion will not apply to property damage included in the products - completed operations hazard. Damage to your product 4. property damage to your product arising out of it or any part of it. Damage to your work 5. property damage to your work arising out of it or any part of it and included in the products -completed operations hazard; however, this exclusion will not apply if the damaged work or the work out of which the damage arises was performed on your behalf by a subcontractor. Expected or intended 6. bodily injury or property damage expected or intended from the standpoint of any Injury insured; however, this exclusion will not apply to bodily injury resulting from the use of reasonable force to protect persons or property. Injury to employee or 7. bodily injury to your employee or volunteer worker arising out of and in the course volunteer worker and scope of employment by you, while performing duties related to the conduct of your business, or arising out the performance of or failure to perform health care services; or b. bodily injury to the spouse, child, parent, brother, or sister of such employee or volunteer worker as a consequence of any bodily injury described in paragraph 7.a above. This exclusion will apply: a. whether you may be liable as an employer or in any other capacity; and b. to any obligation to share damages with or repay someone else who must pay damages because of any injury described in paragraphs 7.a and 7.b above. However, this exclusion will not apply to liability for damages you assume in an insured contract. Liquor liability 8. bodily injury or property damage for which you may be held liable by reason of: a. causing or contributing to the intoxication of any person; b. furnishing alcoholic beverages to a person under the legal drinking age or under the influence of alcohol; or c. any statute, ordinance, or regulation relating to the sale, gifting, distribution, or use of alcoholic beverages. This exclusion will apply even if the claim against you alleges negligence or other wrongdoing in the supervision, hiring, employment, training, or monitoring of others by you, Includes copyrighted material of Insurance Services Offices, Inc., with its permission BOP -GL P0001A CW (11/19) Page 6 of 16 H I SCOX BOP General Liability Coverage Part or in the providing or failing to provide transportation with respect to any person that may be under the influence of alcohol, if the occurrence causing the bodily injury or property damage involved the conduct or activities described in parts a through c above. However, this exclusion will apply only if you are in the business of manufacturing, distributing, selling, serving, or furnishing alcoholic beverages. For the purposes of this exclusion, permitting a person to bring alcoholic beverages on your premises for consumption on your premises, whether or not a fee is charged or a license is required for such activity, is not by itself considered the business of selling, serving, or furnishing alcoholic beverages. Mobile equipment 9. bodily injury or property damage arising out of: a. the transportation of mobile equipment by an auto owned or operated by or loaned or rented to any insured; or b. the use of mobile equipment in, while in practice for, or while being prepared for, any prearranged racing, speed, demolition, or stunting activity. Prior knowledge 10. bodily injury or property damage which: a. you; b. any insured listed in A through E of Section III. Who is an insured; or c. any employee authorized by you to give or receive notice of an occurrence or claim, knew had occurred prior to the policy period. Any continuation, change, or resumption of any such bodily injury or property damage during or after the policy period will be deemed to have been known prior to the policy period. Bodily injury or property damage will be deemed to be known if you, any insured listed in A through E of Section III. Who is an insured, or any employee authorized by you to give or receive notice of an occurrence or claim: reports all or any part of the bodily injury or property damage to us or any other insurer; b. receives a claim because of the bodily injury or property damage; or c. becomes aware by any other means that the bodily injury or property damage has occurred or has begun to occur. Exclusions 1, 2, 3, 4, 5, 8, and 9 of this Section A do not apply to damage by fire to premises while rented to you or temporarily occupied by you with the owner's permission. However, any payments we make for property damage to such premises will be subject to the Damage to Premises Limit. B. Personal and advertising injury We will have no obligation to pay any sums under this Coverage Part, including any damages or exclusions claim expenses, for any claim for personal and advertising injury: Breach of contract 1. based upon or arising out of any breach of contract, except an implied contract to use another's advertising idea in your advertisement. Criminal conduct 2. based upon or arising out of any actual or alleged criminal conduct committed by you, at your direction, or with your consent or knowledge. Electronic chatrooms, 3. based upon or arising out of an electronic chatroom, bulletin board, or website you host, bulletin boards, or own, or over which you exercise control. websites Failure to conform to statements 4. based upon or arising out of the failure of goods, products, or services to conform with any statement of quality or performance made in your advertisement. Includes copyrighted material of Insurance Services Offices, Inc., with its permission BOP -GL P0001A CW (11/19) Page 7 of 16 4e, HI SCOX BOP General Liability Coverage Part Insureds in media and internet type businesses Intellectual property Knowing violation of rights of another Material published prior to policy period Material published with knowledge of falsity Unauthorized use of another's name or product Wrong description of prices C. Medical payments exclusions Athletic activities Injury on normally occupied premises Injury to you 5. committed by any insured whose business is: a. advertising, broadcasting, publishing, or telecasting; b. designing or determining content of websites for others; or c. an internet search, access, content, or service provider. However, this exclusion will not apply to personal and advertising injury caused by: a. false arrest, detention, or imprisonment; b. malicious prosecution; or c. the wrongful eviction from, wrongful entry into, or invasion of the right of private occupancy of a room, dwelling, or premises that a person occupies, committed by or on behalf of its owner, landlord, or lessor. For purposes of this exclusion, the placing of frames, borders or links, or advertising, for you or others anywhere on the internet is not, by itself, considered the business of advertising, broadcasting, publishing, or telecasting. 6. based upon or arising out of any actual or alleged infringement, use, or disclosure of any intellectual property, including but not limited to copyright, trademark, trade dress, patent, service mark, service name, title, or slogan, or any publicity rights violations, cyber squatting violations, moral rights violations, any act of passing -off, or any misappropriation of trade secret. However, this exclusion will not apply to: a. the use of another's advertising idea in your advertisement; or b. infringement of copyright, trade dress, or slogan in your advertisement. 7. caused by or at the direction of the insured with knowledge the act would violate the rights of another and would inflict personal and advertising injury. 8. based upon or arising out of oral or written publication of material whose first publication took place prior to the policy period. 9. based upon or arising out of oral or written publication of material by or at the direction of the insured with knowledge of its falsity. 10. based upon or arising out of any actual or alleged unauthorized use of another's name or product in your email address, domain name, metatag, or any similar tactics to mislead another's potential customers. 11. based upon or arising out of any actual or alleged wrong description of the price of goods, products, or services stated in your advertisement. We will have no obligation to pay any sums under Section I. Insuring agreements - What is covered, C. Medical payments for medical expenses for bodily injury: 1. to any person injured while practicing, instructing, or participating in any physical exercises or games, sports, or athletic contests. 2. to any person injured on that part of any premises you own or rent that the person normally occupies. 3. to you or any person hired to work for or on behalf of you or your tenant; however, this exclusion will not apply to a volunteer worker. Products -completed 4. included in the products -completed operations hazard. operations hazard Includes copyrighted material of Insurance Services Offices, Inc., with its permission BOP -GL P0001A CW (11/19) Page 8of16 ^tA H I SCOX Workers' compensation or similar laws D. Exclusions applicable to the entire general liability coverage part Contractual liability Electronic data Employment related liability Fair credit BOP General Liability Coverage Part 5. to any person, whether or not your employee, if benefits for such bodily injury are payable or must be provided under any workers' compensation, disability benefits, or any similar law. We will have no obligation to pay any sums under this Coverage Part for medical expenses, or for any claim, including any damages or claim expenses, for bodily injury, property damage, or personal and advertising injury: 1. for which you are legally obligated to pay as damages because of liability assumed in a contractor agreement. However, this exclusion will not apply to liability for damages: a. you would have in the absence of such contract or agreement; or b. assumed in an insured contract, provided the bodily injury or property damage occurs after such contract or agreement has been fully executed. 2. based upon or arising out of the loss of, loss of use of, damage to, corruption of, inability to access, or inability to manipulate electronic data. However, this exclusion does not apply to bodily injury. 3. based upon or arising out of any actual or alleged: obligation under any workers' compensation, unemployment compensation, employers' liability, fair labor standards, labor relations, wage and hour, or disability benefit law, including any similar provisions of any federal, state, or local statutory or common law; b. liability or breach of any duty or obligation owed by you as an employer or prospective employer; or c. harassment, wrongful termination, retaliation, or discrimination, including but not limited to adverse or disparate impact, including any resulting damages sustained at any time by the brother, child, parent, sister, or spouse of such person as a consequence of the above. This exclusion will apply: a. whether you may be liable as an employer or in any other capacity; and b. to any obligation to share damages with or repay someone else who must pay damages because of any of the above. 4. based upon or arising out of any actual or alleged violation of the Fair Credit Reporting Act and/or Fair and Accurate Credit Transactions Act, both as may be amended, or any similar federal, state, or local statutes, rules, or regulations in or outside the U.S. Pollution 5. based upon or arising out of: the actual, alleged, or threatened discharge, dispersal, seepage, migration, release, or escape of pollutants: (1) at or from any premises, site, or location which is or was at any time owned or occupied by or rented or loaned to you; however, this subsection will not apply to: (a) bodily injury if sustained within a building and caused by smoke, fumes, vapor, or soot produced by or originating from equipment that is used to heat, cool, or dehumidify the building, or equipment that is used to heat water for personal use by the building's occupants; (b) bodily injury or property damage for which you may be held liable, if you are a contractor and the owner or lessee of such premises, site, or location has been added to your policy as an additional insured with respect to your ongoing operations performed for that additional insured at the premises, site, or location, and such premises, site, or location is not and never was owned or occupied by or rented or loaned to any insured other than that additional insured; or Includes copyrighted material of Insurance Services Offices, Inc., with its permission BOP -GL P0001A CW (11/19) Page 9 of 16 •SA H I SCOX BOP General Liability Coverage Part (c) bodily injury or property damage arising out of heat, smoke, or fumes from a hostile fire; (2) at or from any premises, site, or location which is or was at any time used by you or any other person or organization for the handling, storage, disposal, processing, or treatment of waste; which are or were at any time transported, handled, stored, disposed of, processed, or treated as waste by or for any insured or for any person or organization for whom you are legally liable; (4) at or from any premises, site, or location on which you or any contractor or subcontractor working directly or indirectly on your behalf is performing operations, if the pollutants are brought onto the premises, site, or location in connection with such operations by you or your contractor or subcontractor. However, this subsection will not apply to: (a) bodily injury or property damage arising out of the escape of fuels, lubricants, or other operating fluids necessary to perform the normal electrical, hydraulic, or mechanical functions necessary for the operation of mobile equipment or its parts, if such fuels, lubricants, or other operating fluids escape from a vehicle part designed to hold, store, or receive them. This exception will not apply if the bodily injury or property damage arises out of the intentional discharge, dispersal, or release of the fuels, lubricants, or other operating fluids or if such fuels, lubricants, or operating fluids are brought onto the premises, site, or location with the intent that they be discharged, dispersed, or released as part of the operations being performed by you or your contractor or subcontractor; (b) bodily injury or property damage sustained within a building and caused by the release of gases, fumes, or vapors from materials brought into that building in connection with operations being performed by you or your contractor or subcontractor; or bodily injury or property damage arising out of heat, smoke, or fumes from a hostile fire; or (5) at or from any premises, site, or location on which you or any contractors or subcontractors working directly or indirectly your behalf are performing operations, if the operations are to test for, monitor, clean up, remove, contain, treat, detoxify, or neutralize, or in any way respond to or assess the effects of pollutants; or (3) (c) b. any: (1) request, demand, or order that you or others test for, monitor, clean up, remove, contain, treat, detoxify, or neutralize, or in any way respond to or assess the effect of pollutants; or (2) claim or other proceeding by or on behalf of a govemmental authority or others for the testing for, monitoring, cleaning up, removing, containing, treating, detoxifying, or neutralizing, or in any way responding to or assessing the effects of pollutants. However, this subsection b will not apply to liability for damages because of property damage you would have in the absence of such request, demand, order, claim, or other proceeding by or on behalf of a governmental authority. Privacy 6. based upon or arising out of any actual or alleged: a. unauthorized acquisition, access, use, or disclosure of, improper collection or retention of, or failure to protect any non-public personally identifiable information or confidential corporate information that is in your care, custody, or control; or b. violation of any privacy law or consumer data protection law protecting against the use, collection, or disclosure of any information about a person or any confidential corporate information. Includes copyrighted material of Insurance Services Offices, Inc., with its permission 8OP-GL P0001A CW (11/19) Page 10 of 16 AO H I SCOX BOP General Liability Coverage Part Professional services 7. based upon or arising out of your actual or alleged performance of or failure to perform professional services. This exclusion will apply even if the claim against you alleges negligence or other wrongdoing in the supervision, hiring, employment, training, or monitoring of others by you, if the occurrence causing the bodily injury or property damage, or the offense which caused the personal and advertising injury, involved the rendering or failure to render of any professional services. Recall of products, work, 8. based upon or arising out of the loss of use, withdrawal, recall, inspection, repair, or impaired property replacement, adjustment, removal, or disposal of: a. your product; b. your work; or c. impaired property, if such product, work, or property is withdrawn or recalled from the market or from use by any person or organization because of a known or suspected defect, deficiency, inadequacy, or dangerous condition in it. Recording and distribution 9. of material or information in violation of law based upon or arising out of any actual or alleged violation of the Telephone Consumer Protection Act, CAN-SPAM Act, or any "anti-spam" or "do -not -call" statutes, ordinances, or regulations, including any federal, state, or local statutes, ordinances, or regulations relating to the printing, disseminating, disposing, collecting, recording, sending, transmitting, communicating, or distributing of material or information, or unsolicited telemarketing, solicitations, emails, faxes, text messages, or any other communications of any type or nature. Exclusions 3, 5, and 8 of this Section D do not apply to damage by fire to premises while rented to you or temporarily occupied by you with the owner's permission. However, any payments we make for property damage to such premises will be subject to the Damage to Premises Limit. VII. Definitions Accident Advertisement The following definitions apply to this Coverage Part. Additional definitions are contained in the General Terms and Conditions, Section VI. Definitions applicable to all Coverage Parts. means a sudden and unintended event that causes bodily injury to a third party. This definition applies only to coverage provided under Section I. Insuring agreements - What is covered, C. Medical payments. means a notice about your goods, products, or services that is published or broadcast to the general public or a specific market segment for the purpose of attracting customers or supporters. For purposes of this definition: 1. notices that are published include material placed on the internet or on other similar electronic means of communication; and 2. with regard to websites, only that part of the website that is about your goods, products, or services for the purposes of attracting customers or supporters is considered an advertisement. Auto means: Bodily injury 1. a land motor vehicle, trailer, or semi -trailer designed for travel on public roads, including any attached machinery or equipment; or 2. any other land vehicle subject to a financial responsibility law or other motor vehicle insurance law in the state where it is licensed or principally garaged. However, auto does not include mobile equipment. means physical injury, sickness, or disease sustained by a person, including resulting death, humiliation, mental injury, mental anguish, emotional distress, suffering, or shock, at any time. All such resulting injury will be deemed to occur at the time of the physical injury, sickness, or disease that caused it. Includes copyrighted material of Insurance Services Offices, Inc., with its permission BOP -GL P0001A CW (11/19) Page 11 of 16 H I SCOX BOP General Liability Coverage Part Claim Claim expenses Coverage territory Damages means a civil proceeding seeking damages for bodily injury, property damage, or personal and advertising injury to which this Coverage Part applies. This includes an arbitration proceeding or any other alternative dispute resolution proceeding in which such damages are sought and to which you submit with our consent. means all reasonable and necessary fees, costs, and expenses (including the fees of attorneys and experts) incurred in the investigation, defense, or appeal of a claim. means: 1. the United States, its territories or possessions, or Canada; 2. international waters or airspace, but only if the injury or damage occurs in the course of travel or transportation between any places described in part 1 above; or 3. anywhere else in the world, but only if the injury or damage arises out of: a. goods or products made or sold by you in the territory described in part 1 above; b. the activities of a person whose home is in the territory described in part 1 above but who is away for two weeks or less in the course of performance of your business operations; or c. personal and advertising injury that takes place anywhere through the internet or similar electronic means of communication, provided this Coverage Part will apply only to a claim brought in the United States, its territories or possessions, or Canada. means any monetary amount you are ordered to pay by a court, or by an arbitrator in an arbitration to which we have consented. However, damages does not include any civil, regulatory, or criminal fines, restitution, disgorgement, sanctions, taxes, or penalties, including those imposed by any federal, state, or local governmental authority, or any multiple, punitive, or exemplary damages. Damages because of bodily injury includes care, loss, or services, or death resulting at any time from the bodily injury. Deductible means the amount stated as such under the BOP General Liability Coverage Part section of the Declarations. Electronic data means information, facts, or computer programs stored as or on, created or used on, or transmitted to or from computer software (including systems and applications software), on hard or floppy disks, CD-ROMs, tapes, drives, cells, data processing devices, or any other repositories of computer software which are used with electronically controlled equipment. The term computer programs means a set of related electronic instructions which direct the operations and functions of a computer or device connected to it that enables the computer or device to receive, process, store, retrieve, or send data. Employee means any person employed by you, including any leased worker or any temporary worker. Hostile fire means a fire that becomes uncontrollable or breaks out from where it was intended to be. Impaired property means tangible property, other than your product or your work, that cannot be used or is less useful because: 1. it incorporates your product or your work that is known or thought to be defective, deficient, inadequate, or dangerous; or 2. you have failed to fulfill the terms or conditions of a contractor agreement, if such property can be restored to use by: 1. the repair, replacement, adjustment, or removal of your product or your work; or 2. your fulfilling the terms or conditions of the contract or agreement. Insured contract means: Includes copyrighted material of Insurance Services Offices, Inc., with its permission BOP -GL P0001A CW (11/19) Page 12 of 16 HI SCOX BOP General Liability Coverage Part 1. a contract for the lease of premises, but not any portion of the lease that indemnifies any person or organization for damage by fire to premises while rented to you or temporarily occupied by you with permission of the owner; 2. a sidetrack agreement; 3. an easement or license agreement, except in connection with construction or demolition operations on or within 50 feet of a railroad; 4. an obligation, as required by ordinance, to indemnify a municipality, except in connection with work for a municipality; 5. an elevator maintenance agreement; or 6. any other contract or agreement pertaining to your business (including any indemnification of a municipality in connection with work performed for such municipality) in which you assume the tort liability of another to pay bodily injury or property damage sustained by a third party to which this Coverage Part would apply. Tort liability means liability that would be imposed by law in the absence of any contract or agreement. However, an insured contract does not include that part of any contract or agreement: that indemnifies a railroad for bodily injury or property damage arising out of construction or demolition operations on or within 50 feet of any railroad property and affecting any railroad bridge or trestle, tracks, roadbeds, tunnel, underpass, or crossing; b. that indemnifies an architect, engineer, or surveyor for damages arising out of: (1) preparing, approving, or failing to prepare or approve maps, drawings, opinions, reports, surveys, field orders, change orders, designs, or specifications; or (2) giving or failure to give directions or instructions, if that is the primary cause of the injury or damage; or c. under which an insured who is an architect, engineer, or surveyor assumes the liability for injury or damage arising out of the insured's rendering of or failure to render professional services of any kind, including those listed in part b above. Leased worker means any person leased to you by a labor leasing firm pursuant to an agreement to perform duties related to the conduct of your business. However, leased worker does not include a temporary worker. Loading or unloading means the handling of property: 1. after it is moved from the place where it is accepted for movement into or onto an aircraft, auto, or watercraft; 2. while it is in or on an aircraft, auto, or watercraft; or 3. while it is being moved from an aircraft, auto, or watercraft to the place where it is finally delivered. Loading or unloading does not include the movement of property by means of a mechanical device, other than a hand truck, that is not attached to the aircraft, auto, or watercraft. Medical expenses means reasonable expenses for: 1. first aid administered at the time of an accident; 2. necessary medical, surgical, x-ray, and dental services, including prosthetic devices; and 3. necessary ambulance, hospital, professional nursing, and funeral services. Mobile equipment means any of the following types of land vehicles, including any attached machinery or equipment: 1. bulldozers, farm machinery, forklifts, and other vehicles designed for use principally off public roads; 2. vehicles maintained for use solely on or next to premises owned by or rented to you; 3. vehicles that travel on crawler treads; Includes copyrighted material of Insurance Services Offices, Inc., with its permission BOP -GL P0001A CW (11/19) Page 13 of 16 eta HI SCOX BOP General Liability Coverage Part 4. vehicles, whether self-propelled or not, maintained primarily to provide mobility to permanently mounted: a. power cranes, shovels, loaders, diggers, or drills; or b. road construction or resurfacing equipment such as graders, scrapers, or rollers; 5. vehicles not described in 1, 2, 3, or 4 above that are not self-propelled and are maintained primarily to provide mobility to permanently attached equipment of the following types: a. air compressors, pumps, and generators, including spraying, welding, building cleaning, geophysical exploration, lighting, and well -servicing equipment; or b. cherry pickers and similar devices used to raise or lower workers; and 6. vehicles not described in 1, 2, 3, or 4 above maintained primarily for purposes other than the transportation of persons or cargo. However, mobile equipment does not include self- propelled vehicles with the following types of permanently attached equipment: a. equipment designed primarily for: (1) snow removal; (2) road maintenance, but not construction or resurfacing; or (3) street clearing or cleaning; b. cherry pickers and similar devices mounted on automobile or truck chassis and used to raise or lower workers; or c. air compressors, pumps, and generators, including spraying, welding, building cleaning, geophysical exploration, lighting, and well -servicing equipment. Instead, vehicles described in a, b, or c above will be considered autos. Occurrence Officer Personal and advertising injury Pollutants Products -completed operations hazard means an accident arising out of your business operations, including continuous or repeated exposure to substantially the same general harmful conditions. means a person holding any of the officer positions created by an organization's charter, constitution, by-laws, or any other similar governing documents. means injury, including consequential bodily injury, arising out of one or more of the following offenses: 1. false arrest, detention, or imprisonment; 2. malicious prosecution; 3. the wrongful eviction from, wrongful entry into, or invasion of the right of private occupancy of a room, dwelling, or premises that a person occupies, committed by or on behalf of its owner, landlord, or lessor; 4. oral or written publication, in any manner, of material that slanders or libels a person or organization or disparages a person's or organization's goods, products, or services; 5 oral or written publication, in any manner, of material that violates a person's right to privacy; 6. the use of another's advertising idea in your advertisement; or 7. infringement of copyright, trademark, trade dress, or slogan in your advertisement. means any solid, liquid, gaseous, or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals, and waste. Waste includes, but is not limited to, materials to be recycled, reconditioned, or reclaimed. 1. includes all bodily injury and property damage taking place away from premises owned by or rented to you and arising out of your product or your work, except: a. products that are still in your physical possession; or b. work that has not yet been completed or abandoned. However, your work will be deemed completed at the earliest of the following times: Includes copyrighted material of Insurance Services Offices, Inc., with its permission BOP -GL P0001A CW (11/19) Page 14 of 16 iSm HI SCOX BOP General Liability Coverage Part (1) when all of the work called for in your contract or agreement has been completed; (2) when all of the work to be performed at the site has been completed, if your contract or agreement calls for work at more than one site; or (3) when that part of the work completed at a site has been put to its intended use by any person or organization other than another contractor or subcontractor working on the same project. Work that may need service, maintenance, correction, repair, or replacement, but which is otherwise complete, will be treated as completed. However, if your business includes the selling, handling, or distribution of your product for consumption on premises you own or rent, the bodily injury and property damage may occur on premises owned by or rented to you; and 2. does not include bodily injury or property damage arising out of: a. the transportation of property, unless the injury or damage results from a condition in or on a vehicle not owned or operated by you and that condition was created by the loading or unloading of that vehicle by you; or b. the existence of tools, uninstalled equipment, or abandoned or unused materials. Professional services includes, but is not limited to: 1. legal, accounting, or advertising services; 2. preparing, approving, or failing to prepare or approve maps, drawings, opinions, reports, surveys, change orders, designs, or specifications; 3. supervisory, inspection, or engineering services; 4. medical, surgical, dental, X-ray, or nursing services, treatment, advice, or instruction; 5. any health or therapeutic service treatment, advice, or instruction; 6. any service, treatment, advice, or instruction for the purpose of appearance, skin enhancement, hair removal or replacement, or personal grooming; 7. optometry or optical or hearing aid services, including the prescribing, preparing, fitting, demonstrating, or distributing of ophthalmic lenses and similar products or hearing aid devices; 8. body piercing services; and 9. services in the practice of pharmacy. Property damage means: 1. physical injury to tangible property, including all resulting loss of use of that property. All such loss of use will be deemed to occur at the time of the physical injury that caused it; or 2. loss of use of tangible property that is not physically injured. All such loss of use will be deemed to occur at the time of the occurrence that caused it. Tangible property does not include any electronic data. Temporary worker means a person who is furnished to you to substitute for a permanent employee (other than another temporary worker) on leave or to meet seasonal or short-term workload conditions. Temporary worker does not include leased worker. Volunteer worker means a person who is not your employee, and who donates his or her work and acts at your direction and within the scope of duties determined by you, and is not paid a fee, salary, or other compensation by you or anyone else for their work performed for you. You, your, or insured means the named insured and any other person or organization expressly described as an insured in Section III. Who is an insured. Your product 1. means any: Includes copyrighted material of Insurance Services Offices, Inc., with its permission BOP -GL P0001A CW (11/19) Page 15 of 16 f,A H I SCOX BOP General Liability Coverage Part goods or products, other than real property, manufactured, sold, handled, distributed, or disposed of by: (1) you; (2) others trading under your name; or (3) a person or organization whose assets or business you have acquired; and b. containers (other than vehicles), materials, parts, or equipment furnished in connection with such goods or products; 2. includes: a. representations or warranties made at any time with respect to the durability, fitness, performance, quality, or use of your product; and b. the providing of or failure to provide instructions or warnings; and 3. does not include vending machines or other property loaned or rented to or located for the use of others but not sold. Your work 1. means: a. work or operations performed by you or on your behalf; and b. materials, parts, or equipment furnished in connection with such work or operations; and 2. includes: a. representations or warranties made at any time with respect to the durability, fitness, performance, quality, or use of your work; and b. the providing of or failure to provide instructions or wamings. Includes copyrighted material of Insurance Services Offices, Inc., with its permission BOP -GL P0001A CW (11/19) Page 16 of 16 P,A HISCOX encourage courage' Endorsements Hiscox Insurance Company Inc. HISCOX encourage courage° Endorsement 29 NAMED INSURED: Wonder Years Amend Damage to Property Exclusion (Exclude Damage to Primary Residence) Page 1 of 1 In consideration of the premium charged, and on the understanding this endorsement leaves all other terms, conditions, and exclusions unchanged, it is agreed the General Liability Coverage Part is amended as follows: I. Solely with respect to premises that is your primary residence, Section IV. Limits of liability, C. Damage to premises limit is deleted in its entirety. II. Solely with respect to premises that is your primary residence, in Section VI. Exclusions — What is not covered, A. Bodily injury and property damage exclusions, 3. Damage to property, the paragraph beginning with "Subsections a, c, and d of this exclusion will not apply to property damage" is deleted in its entirety. III. Solely with respect to a premises that is your primary residence, in Section VI. Exclusions — What is not covered, A. Bodily injury and property damage exclusions, the paragraph beginning with "Exclusions 1, 2, 3, 4, 5, 8, and 9 of this Section Ado not apply to" is deleted in its entirety. IV. Solely with respect to a premises that is your primary residence, in Section VI. Exclusions — What is not covered, D. Exclusions applicable to the entire general liability coverage part, the paragraph beginning with "Exclusions 3, 5, and 8 of this Section D do not apply to " is deleted in its entirety. Endorsement Effective: January 22, 2024 Policy No.: P100.058.817.4 By: Kevin Kerridge (Appointed Representative) BOP -GL E5018 CW (11/19) Includes copyrighted material of Insurance Services Office, Inc. with its permission Hiscox Insurance Company Inc. HISCOX encourage courage' Endorsement 30 NAMED INSURED: Wonder Years Blanket Additional Insured - Clients and Lessors of Premises Page 1 of 1 In consideration of the premium charged, and on the understanding this endorsement leaves all other terms, conditions, and exclusions unchanged, it is agreed the General Liability Coverage Part is amended as follows: I. The following are added to the end of Section III. Who is an insured: CL -A. Clients If you have agreed in a written contract or agreement to add them as an additional insured to a policy providing the type of coverage afforded by this Coverage Part, any person or organization for whom you are performing operations is an insured, but only with respect to liability arising out of: CL -B. Lessors of premises 1. your acts or omissions or of those acting on your behalf; and 2. the performance of your ongoing operations for the additional insured. A person or organization's status as an additional insured under this subsection CL -A ends when your operations for that additional insured are completed. If you have agreed in a written contract or agreement to add them as an additional insured to a policy providing the type of coverage afforded by this Coverage Part, any person or organization from whom you lease any premises is an insured, but only with respect to liability arising out of the ownership, maintenance, or use of that part of the premises leased to you. However, the coverage afforded to such additional insured(s) does not apply to any liability arising out of structural alterations, new construction, or demolition operations performed by or for such additional insured(s). A person or organization's status as an additional insured under this subsection CL -B ends when you cease to be a tenant in the premises. Endorsement Effective: January 22, 2024 Policy No.: P100.058.817.4 By: Kevin Kerridge (Appointed Representative) BOP -GL E5025 CW (11/19) Includes copyrighted material of Insurance Services Office, Inc. with its permission Hiscox Insurance Company Inc. HISCOX encourage courage* Endorsement 31 NAMED INSURED: Wonder Years Cannabis Operations Exclusion Page 1 of 1 In consideration of the premium charged, and on the understanding this endorsement leaves all other terms, conditions, and exclusions unchanged, it is agreed: This policy does not apply to, and we will have no obligation to pay any sums, including any damages, claim expenses, or other covered amounts, for any claim, breach, event, or occurrence based upon or arising out of any cannabis operations, whether medicinal or recreational, including but not limited to the: 1. use, sale, manufacture, distribution, cultivation, transport, storage, or protection of cannabis or any products derived from cannabis; or 2. performance of or failure to perform any services of any kind, including any banking, advisory, consulting, legal, compliance, financial, design, or logistical services, in connection with such cannabis operations. Endorsement Effective: January 22, 2024 By: Kevin Kerridge (Appointed Representative) BOP -GL E5029 CW (11/19) Policy No.: P100.058.817.4 Hiscox Insurance Company Inc. HISCOX encourage courage' Endorsement 32 NAMED INSURED: Wonder Years Fungi or Bacteria Exclusion Page 1 of 1 In consideration of the premium charged, and on the understanding this endorsement leaves all other terms, conditions, and exclusions unchanged, it is agreed the General Liability Coverage Part is amended as follows: I. The following exclusion is added to the end of Section VI. Exclusions — What is not covered, D. Exclusions applicable to the entire general liability coverage part: Fungi or bacteria FB-1. a. that would not have occurred, in whole or in part, but for the actual, alleged, or threatened inhalation of, ingestion of, contact with, exposure to, existence of, or presence of any fungi or bacteria on or within a building or structure (including the contents of the building or structure), regardless of whether any other cause, event, material, or product contributed concurrently or in any sequence to the bodily injury, property damage, or personal and advertising injury; or b. based upon or arising out of the abating, testing for, monitoring, cleaning up, removing, containing, treating, detoxifying, neutralizing, remediating or disposing of, or in any way responding to or assessing the effects of fungi or bacteria by any insured or by any other person or organization. However, this exclusion will not apply to any fungi or bacteria that are, are on, or are contained in a good or product intended for bodily consumption. II. The following definition is added to the end of Section VII. Definitions: Fungi means any type or form of fungus, including mold or mildew and any mycotoxins, spores, scents, or byproducts produced or released by fungi. Endorsement Effective: January 22, 2024 Policy No.: P100.058.817.4 By: Kevin Kerridge (Appointed Representative) BOP -GL E5037 CW (11/19) Includes copyrighted material of Insurance Services Office, Inc. with its permission Hiscox Insurance Company Inc. HISCOX encourage courage° Endorsement 33 NAMED INSURED: Wonder Years Hired and Non -Owned Auto Liability Endorsement Page 1 of 4 In consideration of the premium charged, and on the understanding this endorsement leaves all other terms, conditions, and exclusions unchanged, it is agreed the General Liability Coverage Part is amended as follows: SCHEDULE HNOA limit: $1,000,0100 each occurrence (Shared) HNOA deductible: $0 each occurrence If no information is stated above, the relevant information to complete the Schedule will be shown in the Declarations. I. The coverage provided under Section I. What is covered, A. Bodily injury and property damage applies to: Hired auto liability bodily injury or property damage arising out of the maintenance or use of a hired auto by you or your employees in the course of your business. Non -owned auto bodily injury or property damage arising out of the use of any non -owned auto in liability your business by any person. II. With respect to the coverage provided by this Endorsement only, in Section VI. Exclusions — What is not covered, A. Bodily injury and property damage exclusions, the following exclusions are deleted in their entirety: A. exclusion 1. Aircraft, autos, or watercraft; B. exclusion 2. Damage to impaired property or property not physically injured; C. exclusion 3. Damage to property; D. exclusion 4. Damage to your product; E. exclusion 5. Damage to your work; and F. exclusion 9. Mobile equipment, and replaced with the following: Aircraft or watercraft BOP -GL E5038 CW (11/19) HN-1. bodily injury or property damage arising out of the ownership, maintenance, use, or entrustment to others of any aircraft or watercraft owned or operated by or rented or loaned to you. Use includes operation and loading and unloading. This exclusion will apply even if the claim against you alleges negligence or other wrongdoing in the supervision, hiring, employment, training, or monitoring of others by you, if the occurrence causing the bodily injury or property damage involved the ownership, maintenance, use, or entrustment to others of any aircraft or watercraft owned or operated by or rented or loaned to you. However, this exclusion will not apply to: a. watercraft while ashore on premises owned by or rented to you; b. watercraft you do not own, provided it is: (1) less than 75 feet long; and (2) not being used to transport persons or property for a charge; or Includes copyrighted material of Insurance Services Office, Inc. with its permission Hiscox Insurance Company Inc. Endorsement 33 NAMED INSURED: Wonder Years "en HISCOX encourage courage. Hired and Non -Owned Auto Liability Endorsement Page 2 of 4 c. liability assumed in an insured contract for the ownership, maintenance, or use of an aircraft or watercraft by others. Property damage HN-2. property damage to: a. property owned or being transported by, or rented or loaned to you; or b. property in your care, custody, or control. III. With respect to the coverage provided by this Endorsement only, Section III. Who is an insured is deleted in its entirety and replaced with the following: A. The following are insureds; 1. you; 2. any other person using a hired auto with your permission; 3. with respect to a non -owned auto: a. your partners or officers; or b. your employees, but only while such non -owned auto is being used in your business; and 4. any other person or organization, but only for their liability because of acts or omissions of an insured under paragraphs 1, 2, or 3 above. B. The following are not insureds: 1. any person engaged in the business of his or her employer with respect to: a. bodily injury to any co -employee injured in the course of employment; b. bodily injury to the spouse, child, parent, brother, or sister of that co -employee as a consequence of any bodily injury described in paragraph 1.a above; or c. to any obligation to share damages,with or repay someone else who must pay damages because of paragraphs 1.a or 1.b above; 2. your partner or officer for any auto owned by such partner, officer, or a member of his or her household; 3. any person while employed in or otherwise engaged in duties in connection with an auto business, other than an auto business you operate; 4. the owner or lessee (of whom you are a sublessee) of a hired auto, the owner of a non -owned auto, or any agent or employee of any such owner or lessee; or 5. any person or organization for the conduct of any current or past partnership or joint venture that is not shown as a named insured in the Declarations. BOP -GL E5038 CW (11/19) Includes copyrighted material of Insurance Services Office, Inc. with its permission Hiscox Insurance Company Inc. Endorsement 33 NAMED INSURED: Wonder Years •,A HISCOX encourage courage° Hired and Non -Owned Auto Liability Endorsement Page 3 of 4 IV. With respect to the coverage provided by this Endorsement only, Section V. Other provisions affecting coverage, D. Other insurance is deleted in its entirety and replaced with the following: D. Other insurance This insurance is specifically excess of and will not contribute with any primary insurance covering the hired auto or non owned auto. V. With respect to the coverage provided by this Endorsement only, the following additional definitions apply: Auto business means the business or occupation of selling, repairing, servicing, storing, or parking autos. Hired auto means any auto you lease, hire, rent, or borrow. This does not include any auto you lease, hire, rent, or borrow from any of your employees, partners, officers, or members of their households. Insured means the named insured and any other person or organization expressly described as an insured in this Endorsement. Non -owned auto means any auto you do not own, lease, hire, rent, or borrow which is used in connection with your business. This includes autos owned by your employees, partners, officers, or members of their households, but only while used in your business or your personal affairs. VI. With respect to the coverage provided by this Endorsement only, the definition of "You, your, or insured" is deleted in its entirety and replaced by the following: You or your means the named insured. VII. With respect to the coverage provided by this Endorsement only, Section IV. Limits of liability is amended to include the following. HN-A. Hired and non -owned auto The HNOA Limit stated above is the most we will pay for all damages limit because of bodily injury and property damage covered by this Endorsement and arising out of any one occurrence. You must pay the HNOA Deductible stated above in connection with any payment we make under this Endorsement, and any payments we make will be a part of, and not in addition to, the coverage part limit. The HNOA Deductible stated above applies to each claim for damages sustained by any one person because of: BOP -GL E5038 CW (11/19) 1. bodily injury; 2. property damage; or 3. bodily injury and property damage combined, as the result of any one occurrence Includes copyrighted material of Insurance Services Office, Inc. with its permission Hiscox Insurance Company Inc. HISCOX encourage courage' Endorsement 33 NAMED INSURED: Wonder Years Hired and Non -Owned Auto Liability Endorsement Page 4 of 4 If damages are claimed for care, loss of services, or death resulting at any time from bodily injury, a separate HNOA Retention will apply to each person making a claim for such damages. Endorsement Effective: January 22, 2024 Policy No.: P100.058.817.4 By: Kevin Kerridge (Appointed Representative) BOP -GL E5038 CW (11/19) Includes copyrighted material of Insurance Services Office, Inc. with its permission Hiscox Insurance Company Inc. HISCOX encourage courage* Endorsement 34 NAMED INSURED: Wonder Years Insured vs. Insured Product Suits Exclusion Page 1 of 1 In consideration of the premium charged, and on the understanding this endorsement leaves all other terms, conditions, and exclusions unchanged, it is agreed the General Liability Coverage Part is amended as follows: The following exclusion is added to the end of Section VI. Exclusions - What is not covered, A. Bodily injury and property damage exclusions: Insured vs. insured product suits IP-1. by one insured against another insured because of bodily injury or property damage arising out of your products and included within the products -completed operations hazard. Endorsement Effective: January 22, 2024 Policy No.: P100.058.817.4 By: Kevin Kerridge (Appointed Representative) BOP -GL E5039 CW (11/19) Includes copyrighted material of Insurance Services Office, Inc. with its permission Hiscox Insurance Company Inc. HISCOX encourage courage' Endorsement 35 NAMED INSURED: Wonder Years Physical or Sexual Abuse or Molestation Exclusion Page 1 of 1 In consideration of the premium charged, and on the understanding this endorsement leaves all other terms, conditions, and exclusions unchanged, it is agreed the General Liability Coverage Part is amended as follows: The following exclusion is added to the end of Section VI. Exclusions — What is not covered, D. Exclusions applicable to the entire general liability coverage part: Abuse or molestation AM -1. based upon or arising out of any actual, alleged, or threatened abuse, molestation, harassment, mistreatment, or maltreatment of a physical or sexual nature by anyone of any person while in your care, custody, or control; including the negligent employment, investigation, supervision, training, or retention of a person who commits such conduct, or the failure to report such conduct to the proper authorities. Endorsement Effective: January 22, 2024 By: Kevin Kerridge (Appointed Representative) BOP -GL E5048 CW (11/19) Policy No.: P100.058.817.4 Includes copyrighted material of Insurance Services Office, Inc. with its permission Hiscox Insurance Company Inc. HISCOX encourage courage' Endorsement 36 NAMED INSURED: Wonder Years Unmanned Aircraft Exclusion (GL) Page 1 of 2 In consideration of the premium charged, and on the understanding this endorsement leaves all other terms, conditions, and exclusions unchanged, it is agreed the General Liability Coverage Part is amended as follows: I. In Section VI. Exclusions — What is not covered, A. Bodily injury and property damage exclusions, Exclusion 1, the "Aircraft, autos, or watercraft" exclusion, is deleted in its entirety and replaced with the following: Aircraft, autos, or watercraft 1. bodily injury or property damage arising out of the ownership, maintenance, use, or entrustment to others of any aircraft, auto, or watercraft owned or operated by or rented or loaned to any insured. Use includes operation and loading and unloading. This exclusion will apply even if the claim against you alleges negligence or other wrongdoing in the supervision, hiring, employment, training, or monitoring of others by you, if the occurrence causing the bodily injury or property damage involved the ownership, maintenance, use, or entrustment to others of any aircraft, auto, or watercraft owned or operated by or rented or loaned to you. However, this exclusion will not apply to: a. watercraft while ashore on premises owned by or rented to you; b. watercraft you do not own, provided it is: (1) less than 51 feet long; and (2) not being used to transport persons or property for a charge; c. the parking of an auto on, or on the ways next to, premises owned by or rented to you, provided the auto is not owned by or rented or loaned to you; d. liability assumed in an insured contract for the ownership, maintenance, or use of an aircraft or watercraft by others; bodily injury or property damage arising out of: (1) the operation of machinery or equipment that is attached to, or part of, a land vehicle that would qualify under the definition of mobile equipment if it were not subject to a compulsory financial responsibility law or other motor vehicle insurance law in the state where it is licensed or principally garaged; or (2) operation of the equipment described in 6.b or 6.c of the definition of mobile equipment; or f. unmanned aircraft. II. The following exclusion is added to the end of Section VI. Exclusions — What is not covered, A. Bodily injury and property damage exclusions: Unmanned aircraft UA-1. based upon or arising out of the ownership, maintenance, use, or entrustment to others of any unmanned aircraft. Use includes operation and loading and unloading. This exclusion applies even if the claims against you allege your negligence or other wrongdoing in the supervision, hiring, employment, training, or monitoring of others III. The following exclusion is added to the end of Section VI. Exclusions — What is not covered,B. Personal and advertising injury exclusions: BOP -GL E5060 CW (11/19) Hiscox Insurance Company Inc. Endorsement 36 NAMED INSURED: Wonder Years r/A HISCOX encourage courage® Unmanned Aircraft Exclusion (GL) Page 2 of 2 Unmanned aircraft UA-1. based upon or arising out of the ownership, maintenance, use,or entrustment to others of any unmanned aircraft. Use includes operation and loading and unloading. This exclusion applies even if the claims against you allege your negligence or other wrongdoing in the supervision, hiring, employment, training,or monitoring of others. However, this exclusion will not apply to: a. the use of another's advertising idea in your advertisement; or b. infringing upon another's copyright, trade dress, or slogan in your advertisement. IV. The following definition is added to the end of Section VII. Definitions: Unmanned aircraft means an aircraft that is not: 1. designed; 2. manufactured; or 3. modified after manufacture; to be controlled directly by a person from within or on the aircraft. Endorsement Effective: January 22, 2024 Policy No.: P100.058.817.4 By: Kevin Kerridge (Appointed Representative) BOP -GL E5060 CW (11/19) 4. HISCOX encourage courage' Endorsements Hiscox Insurance Company Inc. Endorsement 37 NAMED INSURED: Wonder Years fl,A HISCOX encourage courage. Crime Coverage Upgrade Page 1 of 8 In consideration of the premium charged, and on the understanding this endorsement leaves all other terms, conditions, and exclusions unchanged, it is agreed the Business Personal Property Coverage Part is amended as follows: Loc # SCHEDULE Bldg # and Description 1 Building 1 Building Owner(s) Name and Address: Wonder Years 3140 19th Street Boulder, CO 80304 If there is no location information specified in the Schedule above, the coverage provided in this Endorsement will apply to all locations where you perform your business operations. By purchasing this Endorsement, we have increased the limit(s) stated below and in the Declarations for the corresponding coverage you purchased. The applicable limits in the column titled "Limit of Insurance (Upgrade)" reflect the increased coverage you purchased in this Endorsement. The limits applicable to the coverages included in this Endorsement may: A. be either a part of, or in addition to, the applicable Limit of Insurance. B. apply separately to each location indicated in the Schedule above, or an a occurrence basis. For application of the limits, refer to each coverage within this Endorsement and your Declarations page. All coverages described in this Endorsement are subject to the terms and conditions applicable to this policy, unless stated otherwise. Coverage Limit of Insurance (Original): Limit of Insurance (Upgrade): Crime N/A $25,000 per occurrence $25,000 per aggregate Deductible: $1,000 per occurrence Forgery or alteration limit: $5,000 per occurrence (Shared) $25,000 per occurrence (Shared) I. In Section II. Additional coverages, G. Forgery or alteration, the first paragraph is deleted in its entirety and replaced with the following: loss resulting directly from forgery or alteration of any negotiable instruments that are made or drawn by you (or by your agent), or purported to have been so made or drawn, provided the loss first commenced during the policy period. II. The following is added to the end of Section III. Coverage extensions: Crime CC -A. the following types of loss in excess of the deductible: 1. employee theft; 2. inside loss or outside loss; 3. computer fraud; 4. funds transfer fraud; 5. theft of clients' property; or 6. cyber deception, BOP-INTPROP E4001 CW (07/20) Includes copyrighted material of Insurance Services Office, Inc. with its permission Hiscox Insurance Company Inc. Endorsement 37 NAMED INSURED: Wonder Years e1,A HISCOX encourage courage® Crime Coverage Upgrade Page 2 of 8 provided the loss directly results from an occurrence and is first discovered by you during the policy period. Any payments we make under this subsection CC -A will be in addition to, and not a part of, any applicable limit of liability. III. Solely for purposes of the coverage provided by this Endorsement, the following is added to the end of Section IV. Your obligations, A. Notifying us of losses: If you discover a loss, or circumstances reasonably likely to lead to a loss of or damage to money, securities, or covered property under Coverage extension CC -A. Crime coverage that in your best estimate will exceed 50% of the deductible, you must give written notice to us as soon as possible, but in any event, no later than 90 days after discovery. If you have reason to believe that any loss (except employee theft loss) involves a violation of law, you must also notify the local law enforcement authorities. IV. Solely for purposes of the coverage provided by this Endorsement, in Section VII. Exclusions — What is not covered, the "Dishonesty" and "False pretense" exclusions are deleted in their entirety and replaced with the following : Dishonesty a. dishonest or criminal acts (including theft) by you, anyone else with an interest in the property, or any of your partners, members, officers, managers, employees (including temporary or leased employees), directors, trustees, or authorized representatives, whether acting alone or in collusion with each other or with any other party; or b. theft by any person to whom you entrust the property for any purpose, whether acting alone or in collusion with any other party. However, this exclusion will not apply to the extent any damage or loss is covered under Coverage extension CC -A. Crime coverage. False pretense voluntary parting with any property by you or anyone else to whom you have entrusted the property if induced to do so by any fraudulent scheme, trick, device, or false pretense; however, this exclusion will not apply to a covered cyber deception. V. Solely for purposes of the coverage provided by this Endorsement, in Section VII. Exclusions — What is not covered, the following is added to the end of the "Cyber incident" exclusion: This exclusion also does not apply to the extent any loss is otherwise covered under Coverage extension CC -A. Crime coverage. VI. Solely for purposes of the coverage provided by this Endorsement, the following exclusions are added to the end of Section VII. Exclusions — What is not covered: CC -A. Solely with respect to coverage provided under Coverage extension CC -A. Crime coverage, we will not pay for: 1. loss resulting from theft or any other dishonest act committed by: a. you, if you are a sole proprietorship; or b. if you are not a sole proprietorship: BOP-INTPROP E4001 CW (07/20) Includes copyrighted material of Insurance Services Office, Inc. with its permission Hiscox Insurance Company Inc. HISCOX encourage courage' Endorsement 37 NAMED INSURED: Wonder Years Crime Coverage Upgrade Page 3 of 8 i. any of your partners or members; or ii. any natural person who has a 25% or greater ownership interest in you or the right, whether by law, contract, or otherwise, to exercise control over you, whether acting alone or in collusion with other persons. 2. loss caused by an employee if you or your partner(s) or member(s) who did not act in collusion with the employee learned prior to the policy period that the employee had committed any theft, forgery, or other dishonest act prior to the policy period; however, this exclusion will not apply if the theft, forgery, or other dishonest act was committed prior to the employee becoming your employee and the amount involved in such act did not exceed $10,000. 3. loss resulting from theft, forgery, or any other dishonest act committed by your employees, managers, directors, trustees, or authorized representatives; however, this exclusion will not apply to employee theft or theft of clients' property. 4. fees, costs, fines, penalties, or other expenses arising out of or related to the acquisition, access, use, disclosure, or improper collection of, or failure to protect, any personally identifiable information or confidential corporate information, including but not limited to patents, trade secrets, processing methods, customer lists, financial information, credit card information, social security numbers, health information, or any other type of non-public information. 5. fees, costs, and expenses incurred by you which are related to any legal action. 6. with respect to inside loss or outside loss only: a. loss resulting from accounting or arithmetic errors or omissions; b. loss of or damage to motor vehicles, trailers or semi -trailers, or equipment and accessories attached to them; c. loss or damage resulting from fire, however caused, except we will pay for otherwise covered loss of or damage to money or securities and loss from damage to a safe or vault; d. loss of or damage to the premises or its exterior, or to any safe, vault, cash register, cash box, cash drawer, or covered property resulting from vandalism or malicious mischief. 7. loss resulting from the use of your computer system by a person who is authorized to access such computer system, except we will pay otherwise covered loss resulting from a cyber deception. 8. loss resulting from the actual or purported use of credit, debit, charge, access, convenience, identification, stored -value, or other cards, or the information contained on such cards. VII. Solely for purposes of the coverage provided by this Endorsement, in Section VIII. Definitions, the definition of "Money" is deleted in its entirety and replaced with the following: Money means: 1. currency, coins, and bank notes in current use and having a face value; 2. traveler's checks, register checks, and money orders held for sale to the public; or BOP-INTPROP E4001 CW (07/20) Includes copyrighted material of Insurance Services Office, Inc. with its permission Hiscox Insurance Company Inc. Endorsement 37 NAMED INSURED: Wonder Years ',A H I SCOX encourage courage* Crime Coverage Upgrade Page 4 of 8 3. with respect to employee theft or computer fraud, deposits in your account at any financial institution. Money does not mean Bitcoin or any other digital currency, crypto currency, or electronic currency. VIII. Solely for purposes of the coverage provided by this Endorsement, the following definitions are added to the end of Section VIII. Definitions: Client means any individual or entity to whom youprovide goods or services in the course of your business activities, including any client of such client. Computer fraud means the use of any computer system to make a fraudulent transfer of money, securities, or other property from inside the premises or financial institution premises to a person (other than a messenger) or place outside the premises or financial institution premises. Custodian Cyber deception Discover, discovered, or discovery Employee BOP-INTPROP E4001 CW (07/20) Computer fraud does not include any fraudulent transfer of money, securities, or other property which required you, your employees, your partner, or member, or others on your behalf to take any action in order to complete the transfer of such money, securities, or other property. means you, any of your partners or members, or any employee, but only while having care and custody of money, securities, or covered property inside the premises. Custodian does not include any person while acting as a watchperson or janitor, unless such person is also an employee. means loss of or damage to money or securities sustained by you resulting from the intentional misleading or deception of an employee or any of your partners or members by a person falsely purporting to be your client, vendor, employee, partner, or member through social engineering, pretexting, phishing, spear phishing, whaling, or any other confidence trick communicated by email, text, instant message, telephone, or other electronic means, which results in your transfer, payment, or delivery of money or securities. means when you or any of your partners or members or employees first becomes aware of facts which would cause a reasonable person to believe a loss has been or will be sustained, regardless of whether the exact amount or details of the loss is known. Discover, discovered, or discovery also means the first receipt by you or any of your partners or members or employees of notice of an actual or potential claim in which it is alleged that you are liable to a third party under circumstances which would constitute a loss under this Endorsement. means any person: 1. employed by you; 2. you compensate directly by salary, wages, or commissions; and 3. you have the right to direct and control while performing services for you. Employee also includes any: a. former employee for the first 60 days immediately after termination of employment, unless such termination is due to theft,forgery, or any other dishonest act committed by the employee; b. independent contractor who is contracted by you to perform services or provide goods for or on your behalf; Includes copyrighted material of Insurance Services Office, Inc. with its permission Hiscox Insurance Company Inc. HISCOX encourage courage* Endorsement 37 NAMED INSURED: Wonder Years Crime Coverage Upgrade Page 5 of 8 c. temporary employee; d. person who is leased to you; e. former employee, partner, member, manager, director, or trustee retained as a consultant, but only while performing services for you; f. natural person who is a student, volunteer, or intern performing services for you; g. of your managers, directors, or trustees while performing acts within the usual duties of an employee; h. non -compensated officer; i. volunteer; j. committee member; or k. employee on military, disability, family, medical, or similar leave. Employee theft Financial institution Financial institution premises Forgery Employee does not include any agent, broker, factor, commission merchant, consignee, or representative, or any other person who does not fit into the descriptions listed in a through k above. means loss of or damage to money, securities, or covered property sustained by you directly resulting from theft, forgery, or other dishonest acts committed by an employee, whether identified or not, acting alone or in collusion with other persons. means a bank, savings bank, savings and loan association, trust company, credit union, or similar thrift depository institution, or an insurance company. With regard to computer fraud, financial institution also means a stock brokerage firm or investment company. means the interior of that portion of any building occupied by a financial institution, transfer agent or registrar, or similarly recognized place of safe deposit including a night depository chute, ATM owned by such financial institution (wherever located), or safe of such institution. means signing the name of another person or organization with the intent to deceive, whether in writing or through an electronic identifier. Forgery does not include a signature which consists in whole or in part of one's own name, whether signed with or without authority, in any capacity, and for any purpose. Funds transfer fraud means a: 1. telefacsimile, telephone, or other electronic instruction directing a financial institution to debit a transfer account and to transfer, pay, or deliver money or securities from that transfer account, which instruction purports to have been transmitted by you, but was in fact fraudulently transmitted by someone else without your knowledge or consent; or 2. written instruction issued to a financial institution to debit a transfer account and to transfer, pay, or deliver money or securities from that transfer account, through an electronic funds transfer system at specified times or under specified conditions, which instruction purports to have been issued by you, but was in fact issued, forged, or altered by someone else without your knowledge or consent. Funds transfer fraud does not include any transfer, payment, or delivery of money or securities which required you, your employees, your partner, or member, or others on your behalf (other than the financial institution) to take any action in order the complete the transfer, payment, or delivery of such money or securities. BOP-INTPROP E4001 CW (07/20) Includes copyrighted material of Insurance Services Office, Inc. with its permission Hiscox Insurance Company Inc. HISCOX encourage courage° Endorsement 37 NAMED INSURED: Wonder Years Crime Coverage Upgrade Page 6 of 8 Inside loss Messenger Outside loss Premises Robbery BOP-INTPROP E4001 CW (07/20) means: 1. loss of money or securities inside the premises or financial institution premises resulting directly from: a. theft committed by a person present inside the premises or financial institution premises; or b. disappearance or destruction of such money or securities; 2. loss of or damage to covered property: inside the premises resulting directly from an actual or attempted robbery of a custodian; or b. in a safe or vault inside the premises resulting directly from an actual or attempted safe burglary; 3. damage to the premises or its exterior resulting directly from an act described in parts 1 or 2 above if you are the owner of the premises or are liable for damage to it; or 4. loss of or damage to a locked safe, vault, cash register, cash box, or cash drawer located inside the premises resulting directly from an actual or attempted theft of or unlawful entry into such containers. means you, your relative, any of your partners or members, or any employee while having care and custody of money, securities, or covered property outside the premises. means: 1. loss of money or securities outside the premises or financial institution premises in the care and custody of a messenger or armored motor vehicle company, regardless of whether such messenger or vehicle is in transit, and resulting directly from theft, disappearance, or destruction; or 2. loss of or damage to covered property outside the premises or financial institution premises in the care and custody of a messenger or armored motor vehicle company, regardless of whether such messenger or vehicle is in transit, and resulting directly from an actual or attempted robbery. means the interior of that portion of any building you occupy in conducting your business operations. If you conduct your business operations outdoors or in an open air venue, premises will also mean the area you or your employees occupy in the course of such business operations. means the unlawful taking of property from the care and custody of a person by someone who has: 1. caused or threatened to cause that person bodily harm; or Includes copyrighted material of Insurance Services Office, Inc. with its permission Hiscox Insurance Company Inc. Endorsement 37 NAMED INSURED: Wonder Years "A HISCOX encourage courage. Crime Coverage Upgrade Page 7 of 8 Safe burglary Theft Theft of clients' property Transfer account Watchperson 2. committed an obviously unlawful act witnessed by that person. means the unlawful taking of property from within a locked safe or vault by a person who entered the safe or vault unlawfully, as evidenced by marks of forcible entry on its exterior. Safe burglary includes the unlawful taking of a safe or vault from inside the premises. means the unlawful taking of property to its owner's deprivation. means loss of or damage to money, securities, or covered property sustained by your client, directly resulting from theft or forgery committed by an identified employee acting alone or in collusion with other persons, including an employee in collusion with an employee of your client. Theft of clients' property loss does not include any loss sustained after you learn of theft, forgery, or other dishonest acts committed by the involved employee, whether committed before or after becoming employed by you. means an account maintained by you at a financial institution and from which you can initiate the transfer, payment, or delivery of money or securities by means of: 1. telefacsimile, telephone, or other electronic instruction; or 2. written instructions establishing the conditions under which such transfers are to be initiated by the financial institution through an electronic funds transfer system. means any person retained by you specifically to have care and custody of property covered by this Coverage Part inside the premises and who has no other duties. Watchperson does not include an employee. IX. For purposes of the coverage provided by this Endorsement only, the following is added to the end of Section IX. Other provisions affecting coverage: Crime coverage conditions BOP-INTPROP E4001 CW (07/20) A. All loss or damage caused by one or more persons or involving a single act or series of acts will be considered a single occurrence and will be subject to the limit stated in the Schedule above. B. If any loss is covered partly by this Coverage Part and partly by any prior cancelled or terminated policy that we or any of our affiliates issued to you or your predecessor in interest, then the most we will pay for such loss is the larger of the amount recoverable under this Coverage Part or the prior insurance. C. If you (or any predecessor in interest) sustained loss or damage during the policy period of any prior insurance that you could have recovered under that insurance except that the time within which to discover loss or damage had expired, we will pay for it under Coverage extension CC -A. Crime coverage, provided: 1. this Endorsement became effective at the time of cancellation or termination of the prior insurance; and Includes copyrighted material of Insurance Services Office, Inc. with its permission Hiscox Insurance Company Inc. HISCOX encourage courage® Endorsement 37 NAMED INSURED: Wonder Years Crime Coverage Upgrade Endorsement Effective: January 22, 2024 By: Kevin Kerridge (Appointed Representative) BOP-INTPROP E4001 CW (07/20) Page 8 of 8 2. the loss or damage would have been covered by this Endorsement had it been in effect when the acts or events causing the loss or damage were committed or occurred. Policy No.: P100.058.817.4 Includes copyrighted material of Insurance Services Office, Inc. with its permission HISCOX encourage courage® Hiscox Insurance Company Inc. Your Insurance Documents Enclosed you will find the policy documents that make up your insurance contract with us. Please read through all of these documents. If you have any questions or need to update any of your information please call us at 844-357-0840 (Mon -Fri, 7am-10pm ET). Your insurance documents Declarations Page This contains specific policy information, such as the limits and deductibles you have selected. Policy Wording This details the terms and conditions of your coverage, subject to policy endorsements. Endorsements These documents modify the Policy Wording or Declarations Page. These include relevant terms and conditions as required by your state and are part of your policy. Notices These documents provide information that may affect your coverage such as optional terrorism coverage (if purchased) and other important items required by your state. Application Summary This is a summary of the information that you provided to us as part of your application. Please review this document and let us know if any of the information is incorrect. Please inform us immediately if you have a claim or loss to report. Please have your policy number available, which can be found on the declarations page, so we can handle your call quickly. Contact us via the methods below or file a claim using our online form at httns://www.hiscox.com/manage-your-policy/claims-center. Email: reportaclaim@hiscox.com Phone: 866-424-8508 Mail: Hiscox Claims Center 5 Concourse Parkway Suite 2150 Atlanta, GA 30328 ^fA HISCOX encourage courage' Declarations Page HISCOX HISCOX INSURANCE COMPANY INC. (A Stock Company) encourage courage" 104 South Michigan Avenue, Suite 600, Chicago, Illinois 60603 (914) 273-7400 Professional Liability Errors & Omissions Insurance Declarations This is a "Claims Made and Reported" Policy in which Claim Expenses are included within the Limit of Liability unless otherwise noted. Those words (other than the words in the captions) which are printed in Boldface are defined in the Policy. Declaration Effective Date: Policy No.: Renewal of: 1. Named Insured: 2. Address: Email Address: 3.A. Limit of Liability: 3.B. 4. Deductible: 5. Notice: 6. Policy period: 7. Retroactive Date: 8. Premium: 9. Attachments: January 22, 2024 P100.056.640.4 P100.056.640.3 Wonder Years 3140 19th Street Boulder, CO 80304 steve@livewonderyears.com $2,000,000 Each Claim $2,000,000 Aggregate for all Claims $1,000 Each Claim Phone: 866-424-8508 Email: reportaclaim@hiscox.com Mail: Hiscox 5 Concourse Parkway, Suite 2150 Attn: Direct Claims Atlanta GA, 30328 From: January 22, 2024 To: At 12:01 A.M. (Standard Time) at the address shown above. January 1, 2018 $1,536.00 January 22, 2025 DPL D001 CW (11/19) - Professional Liability Errors & Omissions Insurance Declarations DPL P001 CW (05/13) - Professional Liability Coverage Form DPL E5424 CW (02/15) - Blanket Additional Insured Endorsement DPL E5038 CW (08/15) - Instructional Training Services Endorsement DPL E5103 CO (01/10) - Colorado Amendatory Endorsement DPL E1901 CW (08/21) - Cyber Incidents Exclusion Endorsement DPL E1919 CW (03/23) - War, Civil War, Cyberwarfare, and NCBR Exclusion Endorsement DPL E1918 CW (03/23) - Cannabis Exclusion Endorsement INT N002 CO (03/09) - Important Notice To Colorado Policyholders DPL D001 CW (11/19) Page 1 HISCOX encourage courage® HISCOX INSURANCE COMPANY INC. (A Stock Company) 104 South Michigan Avenue, Suite 600, Chicago, Illinois 60603 (914) 273-7400 INT N003 CW (01/19) - Policyholder Notice Electronic Delivery INT N001 CW (01/09) - Economic And Trade Sanctions Policyholder Notice IN WITNESS WHEREOF, the Insurer indicated above has caused this Policy to be signed by its President and Secretary, but this Policy shall not be effective unless also signed by the Insurer's duly authorized representative. President Secretary Authorized Representative Date: January 22, 2024 DPL D001 CW (11/19) Page 2 A. HISCOX encourage courage. Policy Wording flte. HISCOX PROFESSIONAL LIABILITY - US DIRECT ERRORS AND OMISSIONS INSURANCE © Hiscox Inc. All rights reserved. DPL P001 CW (05/13) H I SCOX ABOUT THIS POLICY The Hiscox Professional Liability — US Direct policy is designed to offer coverage for the risks entities face in performing their Professional Services. We urge You to read this Policy carefully so You understand the insurance that You have purchased, and the full extent of Your and Our rights and duties under this Policy. Please note that all words and phrases that appear in bold -type (except headings) have special meaning and are defined in the Definitions section of this Policy. Coverage for all Claims is subject to the entire terms and conditions of the policy. Coverage for Claims Made Against You You have purchased insurance that provides coverage for Claims made against You. We will pay Damages on Your behalf for any Claim that falls within the Insuring Agreement and within all of the terms and conditions outlined in the policy. Covered Claims are for Your Wrongful Acts in providing or failing to provide Professional Services. To determine who is an Insured please refer to the Definitions and Spousal and Domestic Partner section of the policy. Additionally, for coverage to apply, You must comply with all Your obligations as outlined in the Notice of Claims, Notice of Potential Claims, and the rest of the policy. The most We will pay is outlined in the Limits of Liability Section and items We will not pay are outlined in the Exclusions section. You are responsible for payments as outlined in the Deductible section. 2 DPL P001 CW (05/13) © Hiscox Inc. All rights reserved. et, H I SCOX In consideration of the premium charged and in reliance on the statements made and information provided to Us, including but not limited to the statements made and information provided in and with the Application, which is made a part of this Policy, as well as subject to the Limits of Liability, the Deductible and all of the terms, conditions, limitations and exclusions of this Policy, We and You agree as follows: I. INSURING AGREEMENT, DEFENSE ANC SETTLEMENT A. INSURING AGREEMENT We shall pay on Your behalf Damages and Claim Expenses in excess of the Deductible resulting from any covered Claim that is first made against You during the Policy Period and reported to Us pursuant to the terms of the Policy for Wrongful Acts committed on or after the Retroactive Date. We shall also pay on Your behalf all Supplemental Payments in connection with any covered Claim that is first made against You during the Policy Period and reported to Us pursuant to the terms of the Policy for Wrongful Acts committed on or after the Retroactive Date. No Deductible shall apply to Supplemental Payments. B. DEFENSE 1. We shall have the right and the duty to defend any covered Claim, even if such Claim is groundless, false or fraudulent. 2. We shall have the right to appoint defense counsel upon being notified of such Claim. 3. Notwithstanding paragraph 2., We shall have no obligation to pay Claim Expenses until You have satisfied the applicable Deductible. 4. Our duty to defend shall terminate upon the exhaustion of the Limit of Liability as set forth in Item 3. of the Declarations. C. SETTLEMENT 1. We shall have the right to solicit and negotiate settlement of any Claim. 2. We shall not, however, enter into a settlement without Your prior consent, which consent shall not be unreasonably withheld. 3. If You shall refuse to consent to any settlement recommended by Us, Our liability for such Claim shall not exceed the amount for which such Claim could have been settled plus Claim Expenses incurred up to the date of such refusal. 3 DPL P001 CW (05/13) © Hiscox Inc. All rights reserved. H I SCOX II. NOTICE OF CLAIMS AND NOTICE OF POTENTIAL CLAIMS AN A. NOTICE OF CLAIMS 1. As a condition precedent to any coverage under this Policy, You shall give written notice to Us of any Claim as soon as practicable, but in all events no later than: a. the end of the Policy Period (or any purchased Optional Extended Reporting Period); or b. 60 days after the end of the Policy Period (or any purchased Optional Extended Reporting Period) so long as such Claim is made within the last 60 days of such Policy Period (or any purchased Optional Extended Reporting Period). 2. Such notice shall be sent to Us at the address set forth in Item 5. of the Declarations. 3. Such notice shall include any and all documents related to such Claim, including every demand, notice, summons or other applicable information received by You or by Your representative. B. NOTICE OF POTENTIAL CLAIMS If You first become aware during the Policy Period of any Wrongful Act that might be reasonably likely give rise to a covered Claim, You may give written notice to Us of such potential Claim during the Policy Period. Such notice must include to the fullest extent possible: 1. the identity of the potential claimant; 2. the identity of the person(s) who allegedly committed the Wrongful Act; 3. the date of the alleged Wrongful Act; 4. specific details of the alleged Wrongful Act; and 5. any written notice from the potential claimant describing the Wrongful Act. If such notice is accepted as a "potential Claim," then any actual Claim that is subsequently made shall be deemed to have been first made on the date such "potential Claim" was first reported to Us. Provided, however, You may not report "potential Claims" during any purchased Optional Extended Reporting Period. C. OPTIONAL EXTENDED REPORTING PERIOD 1. If We or the Named Insured cancel or non -renew this Policy (as described by Endorsement hereto), then the Named Insured shall have the right to purchase for an additional premium an Optional Extended Reporting Period. Provided, 4 DPL P001 CW (05/13) © Hiscox Inc. All rights reserved. I,A HISCOX III. EXCLUSIONS ER LABILITY - INIS however, the right to purchase an Optional Extended Reporting Period shall not apply if: a. this Policy is canceled by Us for nonpayment of premium (as described by Endorsement hereto); or b. the total premium for this Policy has not been fully paid. 2. The Optional Extended Reporting Period will apply only to Claims that: a. are first made against You and reported to Us during such Optional Extended Reporting Period; and b. are for Wrongful Acts committed on or after the Retroactive Date but prior to the effective date of cancellation or non -renewal (as described by Endorsement hereto). 3. The additional premium for such Optional Extended Reporting Period shall not exceed 200% of the annualized expiring premium for an Optional Extended Reporting Period of 3 years. The additional premium for such Optional Extended Reporting Period shall be fully earned at the inception of such Optional Extended Reporting Period. 4. Notice of election and full payment of the additional premium for the Optional Extended Reporting Period must be received within 30 days after the effective date of cancellation or non -renewal (as described by Endorsement hereto). In the event the additional premium is not received within the 30 days, any right to purchase the Optional Extended Reporting Period shall lapse and no further Optional Extended Reporting Period shall be offered. The Limits of Liability applicable during any purchased Optional Extended Reporting Period shall be the remaining available Limits of Liability under this canceled or non -renewed Policy (as described by Endorsement hereto). There shall be no separate or additional Limit of Liability available for any purchased Optional Extended Reporting Period and the purchase of any Optional Extended Reporting Period shall in no way increase the Limit of Liability set forth in Item 3. of the Declarations. This Policy does not apply to and We shall have no obligation to pay any Damages, Claim Expenses or Supplemental Payments for any Claim: A. based upon or arising out of any actual or alleged fraud, dishonesty, criminal conduct, or any knowingly wrongful, malicious, or intentional acts or omissions; provided, however, that: 1. We will pay Claim Expenses until there is a final adjudication establishing such conduct, at which time You shall reimburse Us for such Claim Expenses; and 2. this exclusion shall not apply to otherwise covered intentional acts or omissions resulting in a Personal Injury. 5 DPL P001 CW (05/13) © Hiscox Inc. All rights reserved. HISCOX PROFESS1 As ERRORSAND B. based upon or arising out of any actual or alleged gaining of any profit or advantage to which You were not legally entitled. C. based upon or arising out of any actual or alleged wrongful termination, retaliation or discrimination against or harassment of any past, present, future or potential Employee, including but not limited to any violations of federal, state or local statutory or common law. D. based upon or arising out of any actual or alleged Wrongful Act that: 1. was committed prior to the Retroactive Date; 2. has been the subject of any notice given under any other policy of which this Policy is a renewal or replacement; or 3. You had knowledge of prior to the Policy Period and had a reasonable basis to believe that such Wrongful Act could give rise to a Claim; provided, however, that if this Policy is a renewal or replacement of a previous policy issued by Us providing materially identical coverage, the Policy Period referred to in this paragraph will be deemed to refer to the inception date of the first such policy issued by Us. E. brought by or on behalf of any federal, state or local government agency or professional or trade licensing organization; provided, however, this exclusion shall not apply to claims brought in their capacity as a client receiving Your Professional Services. F. brought by or on behalf of one Insured against another Insured. G. brought by or on behalf of any person or entity maintaining Effective Control of You. H. based upon or arising out of any actual or alleged violation of the following laws, including any similar provisions of any federal, state or local statutory or common law: 1. the Securities Act of 1933 (as amended); 2. the Securities Exchange Act of 1934 (as amended); 3. any state blue sky or securities laws (as amended); 4. the Racketeer Influenced and Corrupt Organizations Act, 18 U.S.C. § 1961 et seq. (as amended); 5. the Employee Retirement Income Security Act of 1974 (as amended); including any rules or regulations promulgated thereunder. I. based upon or arising out of any actual or alleged obligation under any Workers' Compensation, Unemployment Compensation, Employers Liability or Disability Benefit Law, including any similar provisions of any federal, state or local statutory or common law. J. based upon or arising out of any actual or alleged liability of others that You assume under any contract or agreement unless such liability would have attached in the absence of such contract or agreement. 6 DPL P001 CW (05/13) © Hiscox Inc. All rights reserved. H I SCOX IV. LIMITS OF LIABILITY, DEDUCTIBLE AND RELATED CLAIMS S AND K. based upon or arising out of any actual or alleged Bodily Injury or Property Damage. L. based upon or arising out of any actual, alleged or threatened discharge, dispersal, release or escape of Pollutants, including any direction or request to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize Pollutants. M. based upon or arising out of any actual or alleged infringement of any copyright, trademark, trade dress, trade name, service mark, service name, title, slogan or patent or theft of trade secret. N. based upon or arising out of any actual or alleged false or deceptive advertising of Your goods or services or misrepresentation in advertising of Your goods or services, including but not limited to any wrongful description of prices of Your goods or services or the quality or performance of Your goods or services. O. based upon or arising out of any actual or alleged breach of contract or breach of any implied or express warranty or guarantee; provided, however, this Exclusion shall not apply to: 1. any obligation you have to perform your Professional Services with reasonable skill or care; or 2. any liability You would have had in absence of such contract, warranty or guarantee. P. based upon or arising out of any actual or alleged violation of any federal, state or local statutes, ordinances or regulations regarding or relating to unsolicited telemarketing, solicitations, emails, faxes or any other communications of any type or nature, including but not limited to any "anti-spam" and "do -not -call" statutes, ordinances, or regulations. Q. based upon or arising out of any actual or alleged failure to procure or maintain adequate insurance or bonds. R. based upon or arising out of any actual or alleged failure to protect any non-public, personally identifiable information in Your care, custody or control. S. based upon or arising out of any actual or alleged actuarial services, medical or nursing services, insurance agent/broker services, legal services or services as an architect or engineer. A. LIMIT OF LIABILITY DPL P001 CW (05/13) 7 © Hiscox Inc. All rights reserved. 4e. HISCOX V. OTHER MATTERS AFFECTING COVERAGE ORES ERRORS N D Is. Regardless of the number of Claims made during the Policy Period (or applicable Extended Reporting Period), the maximum that We shall be liable to pay for all covered Damages, Claim Expenses and Supplemental Payments shall be as follows: 1. The amount set forth in Item 3.A. of the Declarations as "Each Claim" shall be the maximum amount for each covered Claim. 2. The amount set forth in Item 3.B. of the Declarations as "Aggregate for all Claims" is the maximum amount for all Claims combined. 3. Notwithstanding 1. and 2. above, Our liability for Supplemental Payments shall not exceed $250 per day for each Insured up to $5,000 per Claim, which amounts shall reduce the amounts described in 1. and 2. above. B. DEDUCTIBLE 1. We shall not be responsible for payment of Damages or Claims Expenses until the Deductible amount has been satisfied. 2. We may at Our discretion advance payment of Damages or Claims Expenses within the Deductible amount on Your behalf, but You shall reimburse Us for any such amounts as soon as We request such reimbursement. 3. No Deductible amount shall apply to Supplemental Payments. C. RELATED CLAIMS For purposes of the applicable Deductible and Limit of Liability, all Claims based upon or arising out of continuous, repeated, related or interrelated Wrongful Acts shall be considered a single Claim first made against You in the Policy Period the first such Claim was made. A. ESTATES, HEIRS, LEGAL REPRESENTATIVES, SPOUSES & DOMESTIC PARTNERS This Policy shall apply to Claims brought against 1. the heirs, executors, administrators, trustees in bankruptcy, assignees and legal representatives of any Insured in the event of such Insured's death or disability; or 2. the legal spouse or legal domestic partner of any Insured; but only: 1. for the Wrongful Acts of such Insured; or DPL P001 CW (05/13) 8 © Hiscox Inc. All rights reserved. H I SCOX 2. in connection with their ownership interest in property which the claimant seeks as recovery for actual or alleged Wrongful Acts of such Insured. B. INSURED DUTY TO COOPERATE You shall have the duty to cooperate with Us in the defense, investigation and settlement of any Claim, including but not limited to: 1. upon request, submit to examination and interrogation under oath by Our representative; 2. attend hearings, depositions and trials as requested by Us; 3. assist in securing and giving evidence and obtaining the attendance of witnesses; 4. provide written statements to Our representative and meet with such representative for the purpose of investigation and/or defense; and 5. provide all documents We may reasonably require. C. INSURED OBLIGATION NOT TO INCUR EXPENSE OR ADMIT LIABILITY You shall not, except at Your own cost, make any payment, incur any expense, admit any liability, settle any Claim or assume any obligation without Our prior consent. D. ACTION AGAINST THE INSURER No action shall be taken against Us unless: 1. You have complied fully with all the terms and conditions of this Policy; and 2. the amount of Your obligation to pay shall have been finally determined either by judgment against You after actual trial, or by written agreement between You, Us and the claimant. No person or organization shall have any right under this Policy to join Us as a party to any Claim against You nor shall We be impleaded by You or Your legal representatives in any such Claim. E. OTHER INSURANCE This Policy shall be excess insurance over any other valid and collectable insurance available to You, whether such other insurance is stated to be primary, contributory, excess, contingent or otherwise, unless such other insurance is written only as a specific excess insurance over the Limit of Liability provided in this Policy. F. SUBROGATION 1. In the event of any payment by Us under this Policy, We shall be subrogated to all of Your rights of recovery to such payment. 2. You shall do everything that may be necessary to secure and preserve such subrogation rights, including but not limited to the execution of any documents necessary to allow Us to bring suit in Your name. g DPL P001 CW (05/13) © Hiscox Inc. All rights reserved. HISCOX ER ,S AND 3. You shall do nothing to prejudice such subrogation rights without first obtaining Our written consent. 4. Any recovery shall first be paid to Us up to the amount of any Damages, Claim Expenses or Supplemental Payments that We have paid. Any remaining amounts shall be paid to You. 5. Notwithstanding the above, no subrogation shall be had against any Insured. G. ALTERATION AND ASSIGNMENT No change in, modification of or assignment of interest under this Policy shall be effective unless made by written endorsement to this Policy signed by Our authorized representative. H. REPRESENTATIONS As a condition precedent of Our obligations under this Policy, You represent that: 1. the statements and representations made by You in the Application are true and are the basis of the Policy and are to be considered as incorporated into and constituting a part of this Policy; 2. the statements and representations made by You in the Application shall be deemed material to the acceptance of the risk assumed by Us under the Policy; 3. this Policy is issued in reliance upon the truth of the statements and representations made by You in the Application; and 4. in the event the Application contains misrepresentations which materially affect the acceptance of the risk assumed by Us under this Policy, this Policy shall be void ab initio. I. BANKRUPTCY OR INSOLVENCY Your bankruptcy or insolvency shall not relieve Us of any of Our obligations under this Policy. J. TERRITORY This Policy shall apply to Wrongful Acts committed anywhere in the world, provided that any action, arbitration, or other proceeding for, in relation to, or arising from the Claim is brought within the United States, its territories or possessions, or Canada. K. FALSE OR FRAUDULENT CLAIMS If any Insured shall commit fraud in proffering any Claim or regarding the amount or otherwise, this Insurance shall become void as to such Insured from the date such fraudulent claim is proffered. L. NAMED INSURED RESPONSIBILITIES 10 0 DPL P001 CW (05/13) © Hiscox Inc. All rights renewed. E,A HISCOX It shall be the responsibility of the Named Insured to act on behalf of all other Insureds with respect to the following: 1. giving and receiving notice of cancellation and/or non -renewal (as described by Endorsement hereto); 2. payment of premium 3. receipt of return premiums; 4. acceptance of changes to this Policy; and 5. payment of Deductibles. M. EXAMINATION OF YOUR BOOKS AND RECORDS We may examine and audit Your books and records as they related to this Policy at any time during the Policy Period (or any purchased Optional Extended Reporting Period) or up to three years after the end of the Policy Period (or any purchased Optional Extended Reporting Period). N. TITLES Titles of sections of and endorsements to this Policy are inserted solely for convenience of reference and shall not be deemed to limit, expand or otherwise affect the provisions to which they relate. VI. DEFINITIONS A. Application means the signed application for the Policy, whether submitted on-line, over the phone or on paper, including any attachments and other materials or statements submitted in conjunction therewith. If this Policy is a renewal or replacement of a previous policy or policies issued by Us, Application shall also include all signed applications and other materials that were submitted therewith and attached thereto. B. Bodily Injury means physical injury to or sickness, disease or death of a person, or mental injury, mental anguish, emotional distress, pain or suffering, or shock sustained by a person. C. Claim means any written demand for Damages or for non -monetary relief. D. Claim Expenses means the following that are incurred by Us or by You with Our prior written consent: 1. all reasonable and necessary fees, costs and expenses (including the fees of attorneys and experts) incurred in the investigation, defense and appeal of a Claim; and 2. premiums on appeal bonds, attachment bonds or similar bond. Provided, however, We shall have no obligation to apply for or furnish any such bonds. Claim Expenses shall not mean and We shall not be obligated to pay: 1. salaries, wages or expenses other than Supplemental Payments; or 11 DPL P001 CW (05/13) © Hiscox Inc. All rights reserved. et. HISCOX 2. the defense of any criminal investigation, criminal grand jury proceeding, or criminal action. E. Damages means a monetary judgment or monetary award that You are legally obligated to pay (including pre- or post -judgment interest) or a monetary settlement negotiated by Us with Your consent. Damages shall not mean and We shall not be obligated to pay: 1. fines, penalties, taxes, sanctions levied against You; 2. any punitive or exemplary damages or that portion of any multiplied damages award which exceeds the damage award so multiplied, provided, however, that, if such damages are otherwise insurable under applicable law and regulation, We will pay an award of punitive or exemplary damages in excess of the Deductible and up to a maximum sum of $250,000. This limit shall be a part of and not in addition to the Limit of Liability set forth in Items 3. of the Declarations; 3. the return, reduction or restitution of Your fees, commissions, profits, or charges for goods provided or services rendered, including any over -charges or cost over -runs; 4. liquidated damages; or 5. Your cost of complying with injunctive relief. F. Effective Control means: 1. ownership of more than 50% of the issued and outstanding voting securities; or 2. having the right pursuant to written contract, by-laws, charter, operating agreement or similar documents to elect, appoint or designate a majority of the board of directors, management committee members of a partnership or the members of the management board of a limited liability company (or equivalent management structure). G. Employee means any past, present or future: 1. employee (including any part-time, seasonal or temporary employee or any volunteer); 2. partner, director, officer, member or board member (or equivalent position); 3. independent contractor; or 4. leased worker; of an Organization, but only in their performance of Professional Services on behalf of or at the direction of such Organization. H. Insured means You or Your. I. Named Insured means the individual, corporation, partnership, limited liability company, limited partnership, or other entity set forth in Item 1 of the Declarations. J. Optional Extended Reporting Period means any applicable Optional Extended Reporting Period contemplated by the OPTIONAL EXTENDED REPORTING PERIOD Clause. 12 DPL P001 CW (05/13) © Hiscox Inc. All rights reserved. HISCOX K. Organization means the Named Insured and any Subsidiary. L. Personal Injury means injury, other than Bodily Injury, arising out of one of more of the following offenses: 1. false arrest, detention or imprisonment; 2. malicious prosecution; 3. wrongful eviction from, wrongful entry into, or invasion of the right of private occupancy of premises; 4. slander, libel, defamation or disparagement of goods, products or services; or 5. oral or written publication of material in connection with Your advertising that violates a person's right of privacy. M. Policy Period means the period of time set forth in Item 6. of the Declarations. N. Pollutants means any solid, liquid, gaseous, biological, radiological or thermal irritant or contaminant, including smoke, vapor, dust, fibers, mold, spores, fungi, germs, soot, fumes, acids, alkalis, chemicals and Waste. "Waste" includes, but is not limited to, materials to be recycled, reconditioned or reclaimed and nuclear materials. Q. Professional Services means only those services specified in Endorsement to this Policy as performed by or on behalf of an Organization for others for a fee or other compensation. P. Property Damage means physical loss of or physical damage to or destruction of any tangible property, including the loss of use thereof. For purposes of this definition, "tangible property" shall not include electronic data. Q. Retroactive Date means the date set forth in Item 7. of the Declarations. R. Subsidiary means: 1. any entity of which the Named Insured has Effective Control ("Controlled Entity") on or before the Policy Period, either directly or indirectly through one or more Controlled Entities; 2. any entity of which the Named Insured forms or acquires Effective Control during the Policy Period, either directly or indirectly through one or more Controlled Entities, but only for the first 90 days after such formation or acquisition (or until the end of the Policy Period, whichever is earlier). Provided, however, with respect to a Subsidiary described in paragraph 2. of this definition, We shall only cover Claims alleging Wrongful Acts committed while the Named Insured had Effective Control of such Subsidiary, either directly or indirectly through one or more Controlled Entities. An entity ceases to be a Subsidiary once the Named Insured no longer has Effective Control of such entity, either directly or indirectly through one or more Controlled Entities, and this Policy will not respond to Claims made against such entity thereafter. 13 DPL P001 CW (05/13) © Hiscox Inc. All rights reserved. CT HISCOX CRRORS S. Supplemental Payments means the reasonable expenses incurred by You, including loss of wages, if You are required by Us to attend arbitration proceedings or trial in the defense of a covered Claim. T. We, Us, Our or Insurer means the insurance company set forth in the Declarations. U. Wrongful Act means any actual or alleged breach of duty, negligent act, error, omission or Personal Injury committed by You in the performance of Your Professional Services. V. You or Your means any: 1. Organization; 2. Employee; 3. joint venture in which an Organization participates pursuant to written agreement, but only for: a. Wrongful Acts committed by such Organization; and b. the percentage of otherwise covered Damages and Claims Expenses in proportion to such Organization's participation in the joint venture. 14 DPL P001 CW (05/13) © Hiscox Inc. All rights reserved. et. HISCOX encourage courage• Endorsements HISCOX Policy Number: P100.056.640.4 Named Insured: Wonder Years Endorsement Number: 1 Endorsement Effective: 01/22/2024 E5424.1 Blanket Additional Insured Endorsement (PL) Hiscox Insurance Company Inc. In consideration of the premium charged, it is understood and agreed that the Policy is amended as follows: 1. In Clause VI. DEFINITIONS, paragraph V., "'You' or 'Your'," is amended to include the following at the end thereof: You or Your shall also include any Additional Insured but only for the Wrongful Acts of those contemplated in paragraphs 1., 2. or 3. of the definition of "'You' or `Your": 2. The following definition is added to Clause VI. DEFINITIONS: Al -A. Additional Insured means any person(s) or organization(s) with whom You have agreed in a written contract or agreement to add them as an additional insured to a policy providing the type of coverage afforded by this Policy, provided the contract or agreement: 1. is currently in effect or becomes effective during the Policy Period; and 2. was executed before the Professional Services from which the Claim arises were performed. 3. In Clause III. EXCLUSIONS, paragraph F. is deleted in its entirety and replaced with the following: F. brought by or on behalf of one Insured against another Insured; provided, however, this Exclusion will not apply to any Claim brought by an Additional Insured in any capacity other than that of an Additional Insured. All other terms and conditions remain unchanged. DPL E5424 CW (02/15) Includes copyrighted material of Insurance Services Office, Inc., with its Page 1 of 1 permission. Hiscox Insurance Company Inc. Endorsement 2 NAMED INSURED: Wonder Years often HISCOX encourage courage. Instructional Training Services Endorsement Page 1 of 1 In consideration of the premium charged, it is understood and agreed that the Policy is amended as follows: 1. In Clause VI. DEFINITIONS, paragraph O., "Professional Services," is amended to read as follows: O. Professional Services means classroom -based instruction and vocational training services for others for compensation. 2. Clause III. EXCLUSIONS is amended to include the following at the end thereof: This Policy does not apply to and We will have no obligation to pay any Damages, Claim Expenses, or Supplemental Payments for any Claim: TS -A. based upon or arising out of any actual or alleged training or instruction of animals. TS -B. based upon or arising out of any actual or alleged physical fitness, exercise, or other physical activity. TS -C. based upon or arising out of Your performance of or failure to perform Professional Services in connection with the following industries, fields, or activities: 1. architecture or engineering; 2. aviation; 3. behind the wheel driving; 4. cooking or food preparation; 5. construction management; 6. daycare or childcare; 7. physical fitness; 8. law enforcement; 9. medical services; 10. safety; or 11. security guard services. All other terms and conditions remain unchanged. Endorsement effective: January 22, 2024 Policy No.: P100.056.640.4 Endorsement No: 2 -x By: Kevin Kerridge (Appointed Representative) DPL E5038 CW (08/15) Hiscox Insurance Company Inc. Endorsement 3 NAMED INSURED: Wonder Years ^,A HISCOX encourage courage' Colorado Amendatory Endorsement Page 1 of 2 This endorsement modifies insurance provided under the following: PROFESSIONAL LIABILITY - ERRORS AND OMISSIONS INSURANCE In consideration of the premium charged, it is understood and agreed that the Policy is modified as follows: 1. Section V. OTHER MATTERS AFFECTING COVERAGE is amended to include the following at the end thereof: CANCELLATION Notice of Cancellation A. The Named Insured may cancel this Policy by giving Us advance written notice stating when thereafter such cancellation shall be effective. If the Named Insured cancels this Policy, the refund may be less than pro rata. Provided, however, if this Policy shall be cancelled by the Named Insured within 14 days of the inception of the Policy Period without having submitted a Claim, We shall return in full any premium amount actually paid to Us. In such event, the effective date of cancellation shall be deemed to be the inception date of the Policy Period. B. Cancellation of Policies For Less Than 60 Days If this Policy has been in effect for less than sixty (60) days, We may cancel this Policy by mailing or delivering to the Named Insured written notice of cancellation at least: (a) Ten (10) days before the effective date of cancellation if We cancel for nonpayment of premium; or (b) Thirty (30) days before the effective date of cancellation if We cancel for any other reason. C. Cancellation of Policies In Effect For 60 Days Or More If this Policy has been in effect for sixty (60) days or more, or is a renewal of a Policy We issued, We may also cancel this Policy by mailing to the Named Insured by registered, certified or other first class mail, at the address shown in the Declarations, written notice, including the actual reason for cancellation, stating when not less than forty-five (45) days thereafter (or ten (10) days thereafter when cancellation is due to non-payment of premium), the cancellation shall be effective. We may only cancel for one or more of the following reasons: (a) Non-payment of premium; (b) A false statement knowingly made by the Insured on the application for insurance; or (c) A substantial change in the exposure or risk other than indicated in the application and underwritten as of the effective date of the Policy unless the Insured has notified Us of the change and We accept such change; D. The mailing of such notice shall be sufficient proof of notice and this Policy shall terminate at the date and hour specified in such notice. If We cancel this Policy, any return premium shall be calculated pro rata. Payment or tender of any unearned premium by Us shall not be a condition precedent to the effectiveness of the cancellation, but such payment shall be made as soon as practicable. Nonrenewal Hiscox Insurance Company Inc. HISCOX encourage courage' Endorsement 3 NAMED INSURED: Wonder Years Colorado Amendatory Endorsement Page 2 of 2 If We elect not to renew this Policy, We will mail by.first-class mail to the Named Insured written notice of nonrenewal not less than forty-five (45) days before the end of the Policy Period. We will mail or deliver the notice of nonrenewal to the Named Insured at the last mailing address known to Us. If the notice of nonrenewal is mailed, proof of mailing will be sufficient proof of notice. Conditional Renewal If We elect to renew this Policy with an increase in premium or decrease in coverage benefits, We will mail or deliver to the Named Insured written notice of Our intent, including the actual reason, not less than forty-five (45) days before the end of the Policy Period. Any decrease in coverage during the Policy term must be based on one or more of the following reasons: (a) Non-payment of premium; (b) A false statement knowingly made by the Insured on the application for insurance; or (c) A substantial change in the exposure or risk other than that indicated in the application and underwritten as of the effective date of the Policy unless the Insured has notified Us of the change and We accept such change. We will mail or deliver the conditional notice of renewal to the Named Insured at the last mailing address known to Us. If the notice of nonrenewal is mailed, proof of mailing will be sufficient proof of notice. 2. The Policy is amended by adding the following Clause at the end thereof: Policy Conflicts To the extent any term or condition contained in the Policy or any Endorsement attached thereto conflicts with any term or condition contained in this or any other State Amendatory Endorsement attached to the Policy, such terms and conditions most favorable to the Insured shall apply. All other terms and conditions remain unchanged. Endorsement effective: January 22, 2024 Policy No.: P100.056.640.4 Endorsement No: 3 li By: Kevin Kerridge (Appointed Representative) DPL E5103 CO (01/10) Hiscox Insurance Company Inc. HISCOX encourage courage" Endorsement 4 NAMED INSURED: Wonder Years Cyber Incidents Exclusion Endorsement Page 1 of 1 In consideration of the premium charged, it is understood and agreed that the Policy is amended as follows: 1. In Clause III. EXCLUSIONS, Exclusion R. is deleted in its entirety and replaced with the following: R. based upon or arising out of any actual or alleged: 1. unauthorized acquisition, access, use, or disclosure of, improper collection or retention of, or failure to protect any non-public personally identifiable information or confidential corporate information that is in Your care, custody, or control; 2. violation of any privacy law or consumer data protection law protecting against the use, collection, or disclosure of any information about a person or any confidential corporate information; 3. total or partial damage to, loss, corruption, deterioration, destruction, or alteration of, or the inability or impaired ability to access or manipulate any electronic data, software, electronic databases, computers, or any part of a computer system or network; 4. denial of service or delay, disruption, impairment, failure, or outage of any part of a computer system or network; 5. unauthorized or unlawful access to any electronic data or any part of a computer system or network, including through the transmission of any malicious code, such as a computer virus, worm, logic bomb, malware, spyware, Trojan horse, or other fraudulent or unauthorized computer code; or 6. threat, hoax, or demand relating to subparts 1 through 5 above. All other terms and conditions remain unchanged. Endorsement effective: January 22, 2024 Endorsement No: 4 By: Kevin Kerridge (Appointed Representative) Policy No.: P100.056.640.4 DPL E1901 CW (08/21) Hiscox Insurance Company Inc. Endorsement 5 NAMED INSURED: Wonder Years I'A HISCOX encourage courage® War, Civil War, Cyberwarfare, and NCBR Exclusion Endorsement Page 1 of 2 In consideration of the premium charged, it is understood and agreed that the Policy is amended as follows: 1. The following is added to the end of Clause III. EXCLUSIONS: This Policy does not apply to and We will have no obligation to pay any Damages, Claim Expenses, or Supplemental Payments for any Claim: WC -A. based upon or arising out of, directly or indirectly occasioned by, happening through, or in consequence of: 1. war, invasion, acts of foreign enemies, hostilities (whether war is declared or not), civil war, rebellion, revolution, insurrection, military, or usurped power; 2. confiscation, nationalization, requisition, destruction of, or damage to property by or under the order of any government, public, or local authority; 3. Cyberwarfare, to the extent not otherwise excluded by paragraph 1; or 4. any NCBR Malicious Act. 2. For purposes of this Endorsement, the following definitions apply: Cyberwarfare means any: 1. unauthorized access to, or use, alteration, corruption, damage, manipulation, misappropriation, theft, deletion, or destruction of, any computer hardware or electronic data; 2. creation, transmission, or introduction into a computer system, computer network, or electronic data of a computer virus or harmful code; or 3. restriction or inhibition of access to a computer system, computer network, or electronic data, including through a denial -of -service (DoS) attack, committed by, or on behalf of, a State. In determining by whom any action listed in parts 1. through 3. above is committed, We will consider to whom any governing body (including the governing body's intelligence, law enforcement, or military services) attributes such action, regardless of whether: A. the computer system, computer network, or electronic data is physically located within the jurisdiction of that governing body; or B. there are inconsistent statements within different branches or agencies of that governing body (including intelligence, law enforcement, or military services) as to whom the action is attributable to. However, if: i. a governing body has not attributed any such action to a State, or any person, group, association, or entity acting on the State's behalf; and Hiscox Insurance Company Inc. Endorsement 5 46. HISCOX encourage courage® NAMED INSURED: Wonder Years War, Civil War, Cyberwarfare, and NCBR Exclusion Endorsement Page 2 of 2 NCBR Malicious Act Nuclear, Chemical, Biological, or Radiological Agents or Materials ii. there is at least one Media Report or a cybersecurity forensic firm report indicating that such action is attributed to a State or any person, group, association, or entity acting on the State's behalf, then We will not pay any Damages, Claim Expenses, or Supplemental Payments resulting from any action listed in parts 1. through 3. above until any governing body attributes such action to a State or any person, group, association, or entity acting on the State's behalf. If a governing body does not attribute such action to a State or any person, group, association, or entity acting on the State's behalf, or declares it is unable to do so, then a Media Report or cybersecurity forensic firm report will be conclusive evidence that the act was committed by, or on behalf of, a State. For purposes of this definition, "Media Report" means an article published by the Associated Press, Reuters, Wall Street Journal, or the British Broadcasting Corporation. For purposes of this definition, "State" means a sovereign state, state -like entity, quasi -state, proto- state, or a state -sponsored actor or group. means an act or series of acts that harms another person or damages property through the physical release or dispersal of Nuclear, Chemical, Biological, or Radiological Agents or Materials, which is carried out by any person or group of persons, whether acting alone, on behalf of, or in connection with any organization. means: 1. nuclear reaction, nuclear radiation or radioactive particles, whether released or dispersed by nuclear or conventional devices; 2. any chemical compound; or 3. any pathogen, in sufficient concentration to cause harm to people or damage to property. All other terms and conditions remain unchanged. Endorsement effective: January 22, 2024 Policy No.: P100.056.640.4 Endorsement No: 5 By: Kevin Kerridge (Appointed Representative) DPL E1919 CW (03/23) Hiscox Insurance Company Inc. HISCOX encourage courage® Endorsement 6 NAMED INSURED: Wonder Years Cannabis Exclusion Endorsement Page 1 of 1 In consideration of the premium charged, it is understood and agreed that the Policy is amended as follows: 1. The following is added to the end of Clause III. EXCLUSIONS: This Policy does not apply to and We shall have no obligation to pay any Damages, Claim Expenses, or Supplemental Payments for any Claim: CA -1. based upon or arising out of, directly or indirectly occasioned by, or in consequence of: 1. the design, cultivation, manufacture, storage, transport, processing, packaging, handling, testing, distribution, sale, serving, furnishing, possession, protection, or disposal of Cannabis by anyone; 2. the actual, alleged, threatened, or suspected use, inhalation, ingestion, absorption, or consumption of, contact with, exposure to, existence of, or presence of Cannabis by anyone; or 3. the performance of or failure to perform any services or operations of any kind, including but not limited to any banking, advisory, consulting, legal, compliance, financial, design, or logistical services, in connection with or relating to Cannabis. This exclusion applies even if the Claim against any Insured alleges negligence or other wrongdoing in the supervision, hiring, employment, training, or monitoring of others by that Insured. 2. The following is added to the end of Clause VI. DEFINITIONS: CA -A. Cannabis means any good or product that consists of or contains any amount of Tetrahydrocannabinol (THC) or any other cannabinoid, regardless of whether any such THC or cannabinoid is natural or synthetic. Cannabis includes but is not limited to any of the following containing such THC or cannabinoid: 1. any plant of the genus Cannabis L., or any part thereof, such as seeds, stems, flowers, stalks and roots; or 2. any compound, byproduct, extract, derivative, mixture or combination, such as: a. resin, oil or wax; b. hash or hemp; or c. infused liquid or edible cannabis; whether or not derived from any plant or part of any plant set forth in paragraph 1 above. All other terms and conditions remain unchanged. Endorsement effective: January 22, 2024 Policy No.: P100.056.640.4 Endorsement No: 6 By: Kevin Kerridge (Appointed Representative) DPL E1918 CW (03/23) .,A HISCOX encourage courage° Notices 40. H I SCOX Hiscox Insurance Company Inc. IMPORTANT NOTICE TO COLORADO POLICYHOLDERS DISCLOSURE FORM - POLICIES CONTAINING CLAIMS -MADE COVERAGE THIS DISCLOSURE FORM IS NOT YOUR POLICY. IT MERELY DESCRIBES SOME OF THE MAJOR FEATURES OF THE CLAIMS MADE COVERAGE OF YOUR POLICY. READ YOUR POLICY CAREFULLY TO DETERMINE RIGHTS, DUTIES, AND WHAT IS AND IS NOT COVERED. ONLY THE PROVISIONS OF YOUR POLICY DETERMINE THE SCOPE OF YOUR INSURANCE PROTECTION. Your policy is a claims -made policy. It applies only to claims made against you on or after the inception date and before the end of the policy period involving injury or damage that occurs after the policy retroactive date. Upon termination of your policy, an "extended reporting period" or "discovery period" may be available for an additional premium. OCCURRENCE VS. CLAIMS -MADE There is no difference in the kinds of events covered by either an "occurrence" policy or a "claims -made" policy. Claims for damages may be assigned to different policy periods, however, depending on which policy you have purchased. In an "occurrence" policy coverage is provided for liability because of damage or events that occur during the policy period, no matter when the claim is made In your "claims -made" policy, coverage is provided only if a claim is made during the policy period or any applicable extended reporting period or discovery period. A claim first made during the policy period could be charged against a claims -made policy even if the injury/wrongful act/loss occurred many years prior to the policy period. If a claims -made policy has a retroactive date, an injury/wrongful act/loss occurring prior to that date is not covered. In general, the nature of claims —made coverage is such that during the first several years of continuing claims -made coverage, claims -made premiums are comparatively lower than occurrence coverage premiums. An insured can expect substantial annual premium increases, independent of overall rate level increases, until the claims -made relationship reaches maturity. PRINCIPAL BENEFITS This policy provides claims -made liability coverage up to the maximum dollar limit specified in the policy. The principal benefits and coverages are explained in detail in your claims -made policy. Please read it carefully and consult your insurance agent or broker or other professional insurance advisor about any questions you might have. INT N002 CO (03/09) Page 1 of 2 4e. HISCOX Hiscox Insurance Company Inc. IMPORTANT NOTICE TO COLORADO POLICYHOLDERS EXCEPTIONS, REDUCTIONS AND LIMITATIONS Your claims -made policy contains certain exceptions, reductions and limitations. Please read them carefully and consult your insurance agent or broker or other professional insurance advisor about any questions you might have. RENEWALS AND EXTENDED REPORTING PERIODS/DISCOVERY PERIODS Your policy has some unique features relating to renewal, extended reporting periods or discovery periods and coverage of occurrences with long periods of exposure. If there is a retroactive date in your policy, no injury/wrongful act/loss occurring prior to that date will be covered under the policy even if reported during the policy period. It is therefore important for you to be certain that there are no gaps in your insurance coverage. These gaps can occur in several ways. Among the most common are: 1) If you switch from an occurrence policy to a claims -made policy, the retroactive date in your claims -made policy should be no later than the expiration date of the occurrence policy. 2) When replacing a claims -made policy with a claims -made policy, you should consider the following: The retroactive date in the replacement policy should extend far enough back in time to cover any events with long periods of liability exposure; and b. If the retroactive date in the replacement policy does not extend far enough back in time to cover events with long periods of liability exposure, you should consider purchasing extended reporting period or discovery period coverage under the old claims -made policy. 3) If you replace this claims -made policy with an occurrence policy, you may not have insurance coverage for a claim arising during the period of claims -made coverage unless you have purchased an extended reporting period or discovery period under the claims -made policy. Extended reporting period or discovery period coverage must be offered to you by law for at least one year after the expiration of the claims -made policy at a premium not to exceed 200% of your last policy premium. CAREFULLY REVIEW YOUR POLICY REGARDING THE AVAILABLE EXTENDED REPORTING OR DISCOVERY PERIOD COVERAGE, INCLUDING THE LENGTH OF COVERAGE, THE PRICE AND THE TIME PERIOD DURING WHICH YOU MUST PURCHASE OR ACCEPT ANY OFFER FOR EXTENDED REPORTING PERIOD OR DISCOVERY PERIOD COVERAGE. INT N002 CO (03/09) Page 2 of 2 et, H I SCOX Policyholder Notice Electronic Delivery If you received your insurance policy by email, it is because you have chosen electronic delivery of your policy documents and important notices, including cancellation and nonrenewal notices where permitted by law. We also will send any renewal policy documents to you by email at the address you have provided. If you are currently receiving paper documents and would like to have ease of retrieval and access and save on storage space, you will need to contact us and update your preferences. Most documents can be sent electronically within minutes. For electronic documents, you will need a computer or mobile device with Internet access and the ability to receive external emails. You also will need software such as Adobe Reader® that allows you to view and save PDF documents, and a printer to create paper copies. At any time you may request a paper copy of your policy, or you may withdraw your consent to receive documents by email. We will then send documents to you by US mail at no added cost. You must notify us if your email or street address changes. To update your email or street address, or to request paper documents, please contact us at 888-202-3007. Page 1 of 1 INT N003 CW (01/19) H I SCOX Hiscox Insurance Company Inc. ECONOMIC AND TRADE SANCTIONS POLICYHOLDER NOTICE Hiscox is committed to complying with the U.S. Department of Treasury Office of Foreign Assets Control (OFAC) requirements. OFAC administers and enforces economic sanctions policy based on Presidential declarations of national emergency. OFAC has identified and listed numerous foreign agents, front organizations, terrorists, and narcotics traffickers as Specially Designated Nationals (SDN's) and Blocked Persons. OFAC has also identified Sanctioned Countries. A list of Specially Designated Nationals, Blocked Persons and Sanctioned Countries may be found on the United States Treasury's web site http://www.treas.gov/offices/enforcement/ofac/. Economic sanctions prohibit all United States citizens (including corporations and other entities) and permanent resident aliens from engaging in transactions with Specially Designated Nationals, Blocked Persons and Sanctioned Countries. Hiscox may not accept premium from or issue a policy to insure property of or make a claim payment to a Specially Designated National or Blocked Person. Hiscox may not engage in business transactions with a Sanctioned Country. A Specially Designated National or Blocked Person is any person who is determined as such by the Secretary of Treasury. A Sanctioned Country is any country that is the subject of trade or economic embargoes imposed by the laws or regulations of the United States. In accordance with laws and regulations of the United States concerning economic and trade embargoes, this policy may be rendered void from its inception with respect to any term or condition of this policy that violates any laws or regulations of the United States concerning economic and trade embargoes including, but not limited to the following: (1) Any insured under this Policy, or any person or entity claiming the benefits of such insured, who is or becomes a Specially Designated National or Blocked Person or who is otherwise subject to US economic trade sanctions; (2) Any claim or suit that is brought in a Sanctioned Country or by a Sanctioned Country government, where any action in connection with such claim or suit is prohibited by US economic or trade sanctions; (3) Any claim or suit that is brought by any Specially Designated National or Blocked Person or any person or entity who is otherwise subject to US economic or trade sanctions; (4) Property that is located in a Sanctioned Country or that is owned by, rented to or in the care, custody or control of a Sanctioned Country government, where any activities related to such property are prohibited by US economic or trade sanctions; or (5) Property that is owned by, rented to or in the care, custody or control of a Specially Designated National or Blocked Person, or any person or entity who is otherwise subject to US economic or trade sanctions. Please read your Policy carefully and discuss with your broker/agent or insurance professional. You may also visit the US Treasury's website at http://www.treas.gov/offices/enforcement/ofac/. INT N001 CW 01 09 Page 1 of 1 THE HARTFORD BUSINESS SERVICE CENTER THE 3600 WISEMAN BLVD HARTFORD SAN ANTONIO TX 78251 Wonder Years, LLC 3140 19TH ST BOULDER CO 80304-2723 Account Information: Policy Holder Details : I Wonder Years, LLC January 24, 2024 za Contact Us Need Help? Chat online or call us at (866) 467-8730. We're here Monday - Friday. Enclosed please find a Summary Of Insurance for the above referenced Policyholder. Please contact us if you have any questions or concerns. Sincerely, Your Hartford Service Team WLTR005 THE HARTFORD Account Policy Information: Agency Name NUTMEG INS AGENCY INC/PHS Agency Code 76210775 Recipient Information Wonder Years, LLC 3140 19TH ST BOULDER CO 80304-2723 SUMMARY OF INSURANCE Account Policy Recap Policy Number Policy Term Premium Worker's Compensation Hartford Insurance Company of Illinois 76 WEG AK2E8E 01/26/2024 to 01/26/2025 $1,714 January 24, 2024 Sum of Insurance Summary of Insurance (Continued) Worker's Compensation Summary of Insurance with Hartford Insurance Company of Illinois A member company of The Hartford 01/26/2024 - 01/26/2025 Policy Detail: Worker's Compensation Policy States: CO Location 1 Premises Address: 3140 19th St BOULDER CO 80304 Worker's Compensation Coverages: Employer's Liability Limits Disease - Policy Limit Bodily Injury — Accident Disease - Each Employee Limit $500,000 $100,000 $100,000 Class/Payroll Detail Class Description Class Code Payroll Location 1 - CO SCHOOLS - TRADE OR VOCATIONAL - PROFESSIONAL 8868 $459,700 This Summary and its attachments provides a high level overview of policy coverages and does not include all conditions, limitations or exclusions. Please refer to the actual policy forms for detailed coverages, limits and deductibles. Sum of Insurance (CONSENT) WONDER YEARS THROUGH 6/30/2025. Contract Description 2 Contract Type* AMENDMENT Amount* $0.00 Renewable * NO Automatic Renewal Grant IGA Ct _© Entity Information Entity Name* WONDER YEARS Entity ID* @00048180 Contract Name* WONDER YEARS - CMA SERVICE AGREEMENT AMENDMENT #1 Contract Status CTB REVIEW Contract Description* - CMA SERVICE AGREEMENT AMENDMENT #1 TO EXTEND TERM TO 7/1/2024 New Entity? Contract ID 8275 Contract Lead * SADAMS Contract Lead Email sadams@weld.gov;cobbx xlk@weld.gov Parent Contract ID 20240662 Requires Board Approval YES Department Project # Department HUMAN SERVICES Department Email CM- HumanServices@weldgov. com Department Head Email CM-HumanServices- DeptHead@weldgov.com County Attorney GENERAL COUNTY ATTORNEY EMAIL County Attorney Email CM- COUNTYATTORNEY@WEL DGOV.COM Requested BOCC Agenda Due Date Date* 05/30/2024 06/03/2024 Will a work session with BOCC be required?* NO Does Contract require Purchasing Dept. to be included? If this is a renewal enter previous Contract ID If this is part of a MSA enter MSA Contract ID Note: the Previous Contract Number and Master Services Agreement Number should be left blank if those contracts are not in OnBase Contract Dates Effective Date Termination Notice Period Contact Information Review Date* 04/30/2025 Committed Delivery Date Renewal Date Expiration Date* 06/30/2025 Contact Info Contact Name Contact Type Contact Email Contact Phone 1 Contact Phone 2 Purchasing Purchasing Approver Purchasing Approved Date CONSENT 05/31/2024 Approval Process Department Head Finance Approver Legal Counsel JAMIE ULRICH CONSENT CONSENT DH Approved Date Finance Approved Date Legal Counsel Approved Date 05/31/2024 05/31/2024 05/31/2024 Final Approval BOCC Approved Tyler Ref # AG 060524 BOCC Signed Date Originator SADAMS BOCC Agenda Date 06/05/2024 Contvaci- iDrkictS0 Case Management Agency (CMA) Service Agreement Terms and Conditions ' f This Service Agreement (SA) is made this day t la,V`C,h ( c 1707,4 t, by and between Weld County Department of Human Services, hereinafter referred to as "CMA", having its principal place of business at 315 North 11th Avenue, Greeley, Colorado 80631, and Wonder Years, LLC, hereinafter referred to as the "VENDOR," whose business address is 314019th Street, Boulder, Colorado 80304. NOW THEREFORE, in consideration of the promises and covenants contained herein, the parties agree as follows: I. Work and Payment The VENDOR should not commence services under this Agreement until Services have been approved in the individual's Service Plan. Services to be provided are detailed in the Individual's State Supported Living Services (SLS) or OBRA Service Plan which dictates the type of service as well as timing and frequency of service to be performed. Rates paid for State SLS and OBRA services can be found on the State Health Care Policy and Financing Website https://hcpf.colorado.gov/provider-rates-fee-schedule see State General Fund Programs Direct Service Rates Fee Schedule. The VENDOR shall include in their monthly invoice the date and duration of services performed. Specific work performance expectations that are deemed appropriate and necessary in order to receive compensation for the work must meet specified State Regulations. Services covered in this agreement are listed in Exhibit B, Scope of Services and Rates. The VENDOR affirms the following requirements are met, as defined by the State of Colorado: The service to be delivered shall meet all applicable state licensing requirements for the performance of the support or service being provided. Certificate: The service to be delivered shall meet all applicable state certification requirements for the performance of the support or service being provided and program approval. Electronic Visit Verification (EVV) is not a requirement for billing State SLS / OBRA services. More information can be found on the HCPF website https://hcpf.colorado.gov/electronic-visit- verification-program-manual#coEVVX II. Intent of the Parties: It is the expressed intent of the parties that the Contractor is a VENDOR and not the agent, employee, or servant of CMA and that: a. The VENDOR does not have the express or implied authority to act for CMA or to bind CMA to any agreements, liability, or understanding except as expressly set forth herein. b. The VENDOR shall be accountable to CMA for the ultimate results of its actions but shall not be subject to direction and control of CMA herein. c. Neither the VENDOR nor any agent or employee of the VENDOR shall be or shall be deemed to bean agent or employee of CMA. anWA'R 3A8/zy ci-A-6"--0-is-D) 1/45//s2M- 2024-0662 H eoo9co d. The VENDOR shall pay when due all required employment taxes and Income Tax Withholdings, including all Federal and State Income Tax and Local Tax on any monies paid pursuant to this service authorization. e. The VENDOR acknowledges that the VENDOR and its employees are not entitled to unemployment insurance benefits unless the VENDOR, or a Third Party provides such coverage, and that CMA does not pay for or otherwise provide such coverage. f. The VENDOR shall provide and keep in force Worker's Compensation and show proof of such insurance; and unemployment compensation insurance in the amounts required by law and shall be solely and entirely responsible for the acts of the VENDOR, its employees, and agents. The VENDOR shall furnish CMA with written certification of the existence of such coverage prior to the finalization of service authorization provisions. Ill. VENDOR Responsibilities: a. COMPLIANCE WITH THE LAW: The VENDOR agrees to perform its duties and obligations hereunder in strict conformity with relevant federal law, all pertinent federal regulations promulgated pursuant to federal law, the Home and Community -Based Services for Persons with Developmental Disabilities Act; 10 Code of Colorado Regulations (CCR) 2505-10 8.500; 10 CCR 2505-10 8.600 Colorado Revised Statute (CRS); Title 25.5 Article 10 et seq., relevant State law, and all pertinent regulations of the Colorado Department of Human Services, Colorado Department of Health Care Policy and Financing, and Colorado Department of Public Health and Environment, as they currently exist or may hereafter be amended. b. LICENSES AND CERTIFICATIONS: The VENDOR represents and warrants to CMA that it and its employees have the requisite training, skills, experience, qualifications, all necessary provider numbers, licenses, certifications, approvals, etc. required to properly provide the services or goods covered by this authorization. c. RECORDS: The VENDOR shall maintain a complete file of all records, communications, documents, and other written materials that pertain to the operation of programs or the delivery of services under this SA and shall maintain such records for a period of six (6) years after the date of termination of this SA as per State requirements, or for such further period as may be necessary to resolve any matters which may be pending. All files shall be kept at the VENDOR's place of business, and the VENDOR shall furnish copies of such files, or portions thereof, as requested by CMA or its designee. d. INSPECTIONS AND PERFORMANCE MONITORING: The VENDOR shall permit CMA, the State of Colorado, the Colorado Department of Health Care Policy and Financing, the U.S. Department of Health and Human Services, and any other duly authorized agent or governmental agency (including the Medicaid Fraud Control Unit) to monitor all activities authorized under this SA. Such monitoring may consist of internal evaluation procedures, examination of data, formal audit, on -site checking, or any other reasonable procedure. Any amounts which have been paid by CMA, and which are found to be improper in accordance with the terms of this SA shall be immediately returned to CMA or may be withheld from future payments. Services rendered through State SLS are subject to inspection and recovery by the Department pursuant to 10 C.C.R. 2505-10 Section 8.076. e. ASSIGNMENT/DELEGATION/SUBCONTRACTORS: The VENDOR shall not assign, delegate, nor subcontract services in this SA without the express prior written consent of CMA. f. INSURANCE: i. The VENDOR agrees that it will keep in force an insurance policy or policies, issued by a company authorized to do business in Colorado, in the kinds and minimum amounts specified below unless specifically waived herein. In the event of cancellation of any such coverage, the VENDOR shall immediately notify CMA of such cancellation. ii. The VENDOR shall have CMA and State of Colorado Health Care Policy and Financing listed as "Additional Insured" on VENDOR's insurance policies. iii. Standard Worker's Compensation and Employers' Liability as required by State statute, including occupational disease, covering all employees on or off the work site acting within the course and scope of their employment. iv. General, Personal Injury, Professional, Automobile Liability (including bodily injury, personal injury, and property damage) minimum coverages: v. Occurrence basis policy: combined single limit of $1,000,000 or Claims -Made policy: combined single limit of $1,000,000; plus, an endorsement, certificate, or other evidence that extends coverage two years beyond the performance period of the service authorization. vi. Annual Aggregate Limit policy: Not less than $1,000,000 plus an agreement that the IC will purchase additional insurance to replenish the limit to $1,000,000 if claims reduce the annual aggregate below $1,000,000. vii. The insurance shall include provisions preventing cancellation without thirty (30) calendar days prior written notice to CMA by certified mail. viii. The VENDOR shall provide certificates of adequate insurance coverage to CMA within ten (10) days of receipt of this service authorization. IV. Payment for Services and Term: a. This contract shall be for a term commencing March 1.2024 through June 30, 2024 and may be extended upon written agreement of both parties. b. Monthly Invoicing: The VENDOR shall invoice CMA within four (4) working days of the end of the month in which the services were performed, except at the end of the fiscal year when invoices are due two (2) working days from the end of the fiscal year. Invoices received within this time frame will be paid Net 30 unless otherwise noted on the invoice. Invoices may be sent via email to wccmabilling@weld.gov c. Vendor must include the following detail on invoices in order to be paid for services: i. Name of individual in services ii. Dates of Service iii. For services paid in 15 -minute increments, invoice must show the amount of time services were provided in hours or 15 -minute increment iv. Rate per 15 -minute increment or Rate per hour (per Medicaid fee schedule) v. Total Amount Due vi. "No shows" are not billable to Medicaid and will not be reimbursed. Do not include "No shows" in your billing ("No shows" include family cancelling or provider cancelling) d. In order to comply with HCPF State General Funds reporting requirements, no invoices received from the VENDOR after July 3, 2024, for Fiscal Year July 1, 2023 thru June 30, 2024 will be accepted or paid by CMA, the date of July 3, 2024 is subject to change pending Fiscal Year 23-24 holiday schedule. e. Services may be increased or decreased during the term of this agreement by either party due to increased or decreased State funding levels or adjustments to service levels, with the agreement by both parties. f. In the event that overpayments are made by CMA due to the VENDOR's omission, error, fraud, or defalcation; or in the event that the State or Federal government seeks to recover from CMA any sums of money based upon a claim on behalf of the VENDOR after said funds have been paid to the VENDOR, the VENDOR shall immediately reimburse such funds to CMA as allowed by law. The parties understand and agree that CMA shall have the right to offset against payments due to the VENDOR hereunder, or by other legal means recover any debts owed by the VENDOR to CMA or to the State. V. General Terms and Conditions: a. TERMINATION: Except as otherwise agreed in Section I, if the VENDOR refuses or fails to perform any of the provisions of this SA in a timely manner, CMA may notify the VENDOR in writing of nonperformance and may terminate VENDOR's right to proceed with the SA. In addition, either party shall have the right to terminate this SA, without cause, by giving the other party 30 days written notice. If notice is so given, this SA shall terminate on the expiration of the thirty (30) days, and the liability of the parties hereunder for further performance of the terms of this agreement shall thereupon cease, but the parties shall not be released from the duty to perform their obligations up to the date of termination. b. COMPLETE SERVICE AUTHORIZATION: This SA contains the entire agreement of the parties. c. INDEMNIFICATION: To the extent authorized by law, the VENDOR shall indemnify, save, and hold harmless CMA, its employees, and agents against any and all claims, damages, liability, and court awards including costs, expenses, and attorney fees incurred as a result of any act or omission by the VENDOR or its employees, agents, subcontractors, or assignees pursuant to the terms of this SA. d. NON-DISCRIMINATION: The VENDOR agrees to comply with the letter and spirit of all applicable State and federal laws respecting discrimination and unfair employment practices. e. CONFIDENTIALITY OF RECORDS: The VENDOR shall protect the confidentiality of all records containing personal identifying information that are maintained in accordance with this SA. No such information shall be released except for program administration purposes or with the subject individual's prior written consent. f. CONFLICT OF INTEREST: The VENDOR shall fully disclose to CMA any relationship(s) it has with a third party where such relationship is in opposition or conflict to its relationship with CMA under this SA. g. Health Insurance Portability & Accountability Act of 1996 ("HIPAA"). Federal law governing the privacy of certain health information requires a "Business Associate" service authorization between CMA and the VENDOR. 45 CFR Section 164.504(e). Attached and incorporated herein by reference as Exhibit A is a HIPAA Business Associate Addendum for HIPAA compliance. h. BACKGROUND CHECKS: As per C.R.S. 27-90-111, the VENDOR shall conduct background (criminal record) and reference checks prior to hiring staff and volunteers or contracting with other providers. The VENDOR shall not employ, contract with, or accept volunteer services from individuals who would have unsupervised contact with or access to persons receiving services under this service authorization, or their property and who have been convicted of abuse, neglect, or mistreatment of a child, adult or person receiving services, or of a misdemeanor or felony involving physical harm or violence to another individual, or distribution of controlled substances. CONTRACTS FOR SERVICE — ILLEGAL ALIENS: The VENDOR shall not knowingly employ or contract with illegal aliens to perform work under this service authorization or enter into a contract with a subcontractor that fails to certify to VENDOR that the subcontractor knowingly does not employ or contract with illegal aliens to perform work under this service authorization. The VENDOR, if a natural person eighteen (18) years of age or older, hereby swears or affirms under penalty of perjury that he or she (i) is a citizen or otherwise lawfully present in the United States pursuant to federal law, (ii) shall comply with the provisions of CRS 24-76.5-101 et seq. and (iii) shall produce identification required by CRS 24-76.5-103 prior to the effective date of this service authorization. j. If there is a dispute, VENDORs are to follow Section 25.5-10-212 CRS, k. The VENDOR agrees to abide by the following CMA policies and procedures located on the CMA website at https://www.weld.gov/Government/Departments/Human-Services/Area- Agency-on-Aging-AAA i. Critical Incidents ii. Mistreatment iii. Human Rights Committee (HRC) FEDERAL FALSE CLAIMS ACT 31 US Code 3729: The VENDOR, its employees, subcontractors, and agents shall comply with the Federal False Claims Act. Violations of the False Claims Act such as false claims or attempts to defraud health care programs should be promptly reported, investigated, and remedied, as appropriate and required by law. Detailed information regarding the False Claims Act and CMA's policy can be found on the CMA website. The parties have caused their duly authorized representatives to sign this Service Authorization Agreement stated above: CMA: ATTEST: Z ;&k, BY: BOARD OF COUNTY COMMISSIONERS rk to the Board WELD COUNTY, C 2LORADO Deputy Cler 0 Kevin D. Ross, Chair MAR 1 8 2024 VENDOR: Wonder Years, LLC 3140 19th Street Boulder, Colorado 80304 Steven M Juntunen By: Steven M. Juntunen (Mar 4, 202421:37 MST) Steven M. Juntunen, Executive Director Date: Mar 4, 2024 Exhibit A CMA HIPAA BUSINESS ASSOCIATE AGREEMENT This Business Associate Agreement ("Agreement") is part of federal and state requirements of CMA For purposes of this Agreement, CMA is referred to as "Covered Entity" or "CE" and VENDOR is referred to as the "Business Associate" or "Associate." The Associate performs, or assists in the performance, of a function or activity, or provides services of a type for CMA that makes the Associate a "Business Associate" for purposes of the HIPAA privacy regulations. The CE may disclose protected health information to the Associate in conjunction with the function, activity, or services performed or provided by the Associate. The CE and the Associate desire to enter into an agreement as required by the HIPAA privacy regulations to provide satisfactory assurance to CMA that the Associate will appropriately safeguard that protected health information (PHI). RECITALS A. CE and Associate intend to protect the privacy and provide for the security of PHI disclosed to Associate pursuant to this Agreement in compliance with the Health Insurance Portability and Accountability Act of 1996, 42 U.S.C. §1320d — 1320d-8 ("HIPAA"), as amended by the American Recovery and Reinvestment Act of 2009 ("ARRA")/HITECH Act (P.L. 111-005), and its implementing regulations promulgated by the U.S. Department of Health and Human Services, 45 C.F.R. Parts 160, 162 and 164 (the "HIPAA Rules") and other applicable laws, as amended. B. As part of the HIPAA Rules, the CE is required to enter into an agreement containing specific requirements with Associate prior to the disclosure of PHI, as set forth in, but not limited to, Title 45, Sections 160.103, 164.502(e) and 164.504(e) of the Code of Federal Regulations ("C.F.R.") and contained in this Agreement. The parties agree as follows: 1. Term. Except as otherwise provided for herein, this Agreement will continue in full force and effect through the term of any function, activity, or services performed or provided by the Associate. 2. Definitions. a. Except as otherwise defined herein, capitalized terms in this Agreement shall have the definitions set forth in the HIPAA Rules at 45 C.F.R. Parts 160, 162 and 164, as amended. In the event of any conflict between the mandatory provisions of the HIPAA Rules and the provisions of this Agreement, the HIPAA Rules shall control. b. "Protected Health Information" or "PHI" means any information, whether oral or recorded in any form or medium: (i) that relates to the past, present, or future physical or mental condition of an individual; the provision of health care to an individual; or the past, present, or future payment for the provision of health care to an individual; and (ii) that identifies the individual or with respect to which there is a reasonable basis to believe the information can be used to identify the individual and shall have the meaning given to such term under the HIPAA Rules, including, but not limited to, 45 C.F.R. Section 164.501. c. "Protected Information" shall mean PHI provided by CE to Associate or created, received, maintained, or transmitted by Associate on CE's behalf. To the extent Associate is a covered entity under HIPAA and creates or obtains its own PHI for treatment, payment, and health care operations, Protected Information under this Agreement does not include any PHI created or obtained by Associate as a covered entity and Associate shall follow its own policies and procedures for accounting, access and amendment of Associate's PHI. 3. Obligations of Associate. a. Permitted Uses. Associate shall not use Protected Information except for the purpose of performing Associate's obligations as permitted under this Agreement. Further, Associate shall not use Protected Information in any manner that would constitute a violation of the HIPAA Rules if so used by CE, except that Associate may use Protected Information: (i) for the proper management and administration of Associate; (ii) to carry out the legal responsibilities of Associate; or (iii) for Data Aggregation purposes for the Health Care Operations of CE. Associate agrees to defend and indemnify the CE against third party claims arising from Associate's breach of this Agreement. b. Permitted Disclosures. Associate shall not disclose Protected Information in any manner that would constitute a violation of the HIPAA Rules if disclosed by CE, except that Associate may disclose Protected Information: (i) in a manner permitted pursuant to this Agreement; (ii) for the proper management and administration of Associate; (iii) as required by law; (iv) for Data Aggregation purposes for the Health Care Operations of CE; or (v) to report violations of law to appropriate federal or state authorities, consistent with 45 C.F.R. Section 164.502)j)(1). c. Appropriate Safeguards. Associate shall implement appropriate safeguards as are necessary to prevent the use or disclosure of Protected Information other than as permitted by this Agreement. Associate shall comply with the requirements of the HIPAA Security Rule at 45 C.F.R. Sections 164.308, 164.310, 164.312, and 164.316. Associate shall maintain a comprehensive written information privacy and security program that includes administrative, technical, and physical safeguards appropriate to the size and complexity of the Associate's operations and the nature and scope of its activities. Associate shall review, modify, and update documentation of its safeguards as needed to ensure continued provision of reasonable and appropriate protection of Protected Information. d. Reporting of Improper Use or Disclosure. Associate shall report to CE in writing any use or disclosure of Protected Information other than as provided for by this Agreement within five (5) business days of becoming aware of such use or disclosure. e. Accounting Rights. Associate and its agents shall make available to CE, within ten (10) business days of notice by CE, the information required to provide an accounting of disclosures to enable CE to fulfill its obligations under the HIPAA Rules, including, but not limited to, 45 C.F.R. Section 164.528. In the event that the request for an accounting is delivered directly to Associate or its agents, Associate shall within five (5) business days of the receipt of the request, forward it to CE in writing. It shall be CE's responsibility to prepare and deliver any such accounting requested. Associate shall not disclose any Protected Information except as set forth in Section 2(b) of this Agreement. f. Governmental Access to Records. Associate shall keep records and make its internal practices, books and records relating to the use and disclosure of Protected Information available to the Secretary of the U.S. Department of Health and Human Services (the "Secretary,") in a time and manner designated by the Secretary, for purposes of determining CE's or Associate's compliance with the HIPAA Rules. Associate shall provide to CE a copy of any Protected Information that Associate provides to the Secretary concurrently with providing such Protected Information to the Secretary when the Secretary is investigating CE. Associate shall cooperate with the Secretary if the Secretary undertakes an investigation or compliance review of Associate's policies, procedures or practices to determine whether Associate is complying with the HIPAA Rules, and permit access by the Secretary during normal business hours to its facilities, books, records, accounts, and other sources of information, including Protected Information, that are pertinent to ascertaining compliance. g. Minimum Necessary. Associate (and its agents) shall only request, use, and disclose the minimum amount of Protected Information necessary to accomplish the purpose of the request, use, or disclosure, in accordance with the Minimum Necessary requirements of the HIPAA Rules, including, but not limited to, 45 C.F.R. Sections 164.502(b) and 164.514(d). h. Data Ownership. Associate acknowledges that Associate has no ownership rights with respect to the Protected Information. i. Retention of Protected Information. Except upon termination of all functions, activities, or services performed or provided by the Associate, Associate or agents shall retain all Protected Information and shall continue to maintain the information for a period of six (6) years. j. Notification of Breach. During the term of this Agreement, Associate shall notify CE within five (5) business days of any suspected or actual breach of security, intrusion or unauthorized use or disclosure of Protected Information and/or any actual or suspected use or disclosure of data in violation of any applicable federal or state laws or regulations. Associate shall not initiate notification to affected individuals per the HIPAA Rules without prior notification and approval of CE. Information provided to CE shall include the identification of each individual whose unsecured PHI has been, or is reasonably believed to have been accessed, acquired or disclosed during the breach. Associate shall take (i) prompt corrective action to cure any such deficiencies and (ii) any action pertaining to such unauthorized disclosure required by applicable federal and state laws and regulations. k. Safeguards During Transmission. Associate shall be responsible for using appropriate safeguards, including encryption of PHI, to maintain and ensure the confidentiality, integrity and security of Protected Information transmitted to CE pursuant to the Agreement, in accordance with the standards and requirements of the HIPAA Rules. I. Restrictions and Confidential Communications. Associate will not respond directly to an individual's requests to restrict the use or disclosure of Protected Information or to send all communication of Protected Information to an alternate address. Associate will refer such requests to the CE so that the CE can coordinate and prepare a timely response to the requesting individual and provide direction to Associate. 4. Obligations of CE. a. Safeguards During Transmission. CE shall be responsible for using appropriate safeguards, including encryption of PHI, to maintain and ensure the confidentiality, integrity and security of Protected Information transmitted pursuant to this Agreement, in accordance with the standards and requirements of the HIPAA Rules. b. Notice of Changes. CE maintains a copy of its Notice of Privacy Practices on its website. CE shall provide Associate with any changes in, or revocation of, permission to use or disclose Protected Information, to the extent that it may affect Associate's permitted or required uses or disclosures. To the extent that it may affect Associate's permitted use or disclosure of PHI, CE shall notify Associate of any restriction on the use or disclosure of Protected Information that CE has agreed to in accordance with 45 C.F.R. Section 164.522. 5. Reasonable Steps to Cure Breach. a. If CE knows of a pattern of activity or practice of Associate that constitutes a material breach or violation of the Associate's obligations under the provisions of this Agreement or another arrangement, then CE shall take reasonable steps to cure such breach or end such violation. If Associate knows of a pattern of activity or practice of an agent that constitutes a material breach or violation of agent's obligations under the written agreement between Associate and the agent, Associate shall take reasonable steps to cure such breach or end such violation, if feasible. 6. Disposition of the PHI upon Termination or Expiration. a. Upon termination or expiration of any agreement for services between the Parties, the Associate will either return or destroy, at CE's sole discretion and in accordance with any instructions by CE, all PHI in the possession or control of the Associate and its agents. However, if the Associate determines that neither the return nor destruction of the PHI is feasible, the Associate may retain the PHI provided that the Associate complies with those reasonable restrictions imposed by the CE. 7. Disclaimer. CE makes no warranty or representation that compliance by Associate with this Agreement or the HIPAA Rules will be adequate or satisfactory for Associate's own purposes. Associate is solely responsible for all decisions made by Associate regarding the safeguarding of PHI. 8. Assistance in Litigation or Administrative Proceedings. Associate shall make itself and any employees or agents assisting Associate in the performance of its obligations under the Agreement, available to CE, at no cost to CE, up to a maximum of thirty (30) hours, to testify as witnesses or otherwise, in the event of litigation or administrative proceedings being commenced against CE, its directors, officers, or employees based upon a claimed violation of the HIPAA Rules or other laws relating to security and privacy or PHI, in which the actions of Associate are at issue, except where Associate or its employee or agent is a named adverse party. 9. Interpretation and Order of Precedence. The provisions of this Agreement shall be interpreted as broadly as necessary to implement and comply with the HIPAA Rules. The parties agree that any ambiguity in this Agreement shall be resolved in favor of a meaning that complies and is consistent with the HIPAA Rules. 10. Survival of Certain Agreement Terms. Notwithstanding anything herein to the contrary, Associate's obligations under this Agreement shall survive termination of this Agreement and shall be enforceable by CE as provided herein in the event of such failure to perform or comply by the Associate. 11. Representatives and Notice. For the purpose of the Agreement, the individuals identified on Page 1 of 4 Pages of this agreement shall be the representatives of the respective parties. All required notices shall be hand delivered or given by certified or registered mail to the representatives at the addresses listed at the top of this form. Exhibit B Scope of Services and Rates 1. Scope of Services a. Services to be provided are detailed in the Individual's State Supported Living Services (SLS) or OBRA Service Plan which dictates the type of service as well as timing and frequency of service to be performed. b. Approved VENDOR State SLS and OBRA services provided under this agreement: ❑ D2999: State SLS - Dental ❑ H1010: CES — Parent Education ❑ H2019: State SLS — Behavioral Consultation ❑ H2019: DD — Behavioral Counseling Individual ❑ H2019: SLS — Behavioral Counseling Individual ❑ H2019: OBRA — Counseling Individual ❑ H2019: State SLS — Counseling Services Individual ❑ H2021: State SLS - Mentorship ❑ H2023: State SLS — Supp Employment -Job Development ❑ S5130: SLS — Homemaker Basic ❑ S5130: State SLS — Homemaker Basic ❑ S5130: State SLS — Homemaker Enhanced ❑ S5150: State SLS — Respite Individual per 15 minutes ❑ S5151: State SLS — Respite Individual Per Day ❑ S5161: State SLS — Personal Emergency ❑ S5161: SLS — Personal Emergency Response Services ❑ S5165: CES — Home Accessibility Adaptations ❑ S5199: CES—Adapted Therapeutic Recreational Fees ❑ S8940: CES — Hippotherapy - Individual ❑ S8940: SLS — Hippotherapy - Individual ❑ T1019: State SLS - Personal Care ❑ T1999: CES — Adapted Therapeutic Recreational Equipment ❑ T2003: State SLS—Transportation Mileage ❑ T2003: State SLS—Transportation Mileage nonday ❑ T2003: SLS—Transportation Mileage Band 1 ❑ T2004: State SLS — Transportation Other ❑ T2004: DD —Transportation — Other (Public Conveyance) ❑ T2004: SLS —Transportation — Other (Public Conveyance) ® T2019: State SLS — Supportive Employment Individual ❑ T2019: State SLS — Supportive Employment Group ❑ T2021: State SLS — Day Habilitation Supp Comm Connect ❑ T2021: State SLS — Day Habilitation Specialized Hab ❑ T2024: State — Behavioral Assessment ❑ T2028: DD — Specialized Medical Supplies — Disposable ❑ T2028: SLS - Specialized Medical Supplies - Disposable ❑ T2029: CES — Specialized Medical Equipment ❑ T2029: DD - Specialized Medical Equipment ❑ T2029: SLS - Specialized Medical Equipment ❑ T2035: CES — Assistive Technology ❑ V2799: DD — Vision Services ❑ V2799: SLS — Vision Services ❑ V2799: State SLS — Vision Services ❑ 97124: CES — Message Therapy ❑ 10000: State SLS—Acquiring Pest Abatement 2. Provider Rates and Fee Schedule a. Rates paid for State SLS and OBRA services can be found on the State Health Care Policy and Financing Website https://hcpf.colorado.gov/provider-rates-fee- schedule, see State General Fund Programs Direct Service Rates Fee Schedule. Terms 1. Home and Community Based Service (HCBS) Provider Agency Billing a. Claims for HCBS services are payable only if submitted in accordance with the following procedures: i. VENDOR shall verify Member eligibility prior to delivering services; ii. VENDOR shall verify a Prior Authorization Request (PAR) has been approved for the services in question, prior to service provision and claim submission; iii. Claims shall be submitted to the Fiscal Agent in accordance with Department billing manuals and policies, outlined in 10 C.C.R. 2505-10 Section 8.043; iv. Claims shall only be submitted for services the VENDOR is enrolled to provide, including correct HCBS specialties; v. Claims shall only be submitted for services provided in accordance with all applicable federal and state statutes, regulations, and other authorities; vi. Submitted claims shall include all data elements required to complete the National Uniform Claim Committee Form 1500 (CMS 1500). b. Payment shall not exceed rate shown in the Health First Colorado Fee Schedule in effect on the date services are provided. c. Pursuant to § 25.5-4-301, C.R.S., VENDOR shall not collect copayments or seek reimbursement from eligible Members for covered services. 2. Personnel a. Employee and Contractor records i. The VENDOR shall maintain records documenting the qualifications and training of employees and Contractors who provide services to Members. ii. The VENDOR shall maintain a personnel record for each employee or Contractor. The record shall contain: Documentation of employee/Contractor qualifications. Documentation of trainings completed. Documentation of supervision and performance evaluation or contractor management. Documentation that the employee/Contractor was informed of all policies and procedures required by Section 8.7409. Documentation of the employee's/Contractor's job description. Documentation of a criminal background check and a CAPs check. 3. License/Certification a. The VENDOR shall meet the enrollment requirements for each service it provides prior to providing services. The VENDOR shall ensure each employee or independent Contractor maintains the necessary and appropriate license and/or Certification to render services. The VENDOR shall maintain documentation of current and valid individual license(s) and Certification(s) in the personnel record. 4. Medication Administration a. All employees and Contractors, not otherwise authorized by law to administer medication, who assist and/or monitor Members in the administration of medications or the filling of medication reminder boxes shall have passed a "Qualified medication administration person" or "QMAP" competency evaluation offered by an approved training entity, and shall be listed on the Department's list of persons who have passed the requisite competency evaluation as defined in 6 CCR 1011-1, Chapter 24. Each facility shall ensure the qualifications of the QMAP employee or Contractor per 6 CCR 1011-1, Chapter 24, Section 3. 5. Trainings a. The VENDOR shall have an organized program of orientation and training of sufficient scope for employees and Contractors to carry out their duties and responsibilities efficiently, effectively, and competently. Training shall be provided prior to employees or Contractors having unsupervised contact with Members. The training program shall, at a minimum, provide for and include: i. Training related to person -centered practices, the role of the Person - Centered Support Plan, and the concept of dignity of risk; ii. Training related to health, safety, and services and supports to be provided related to the specific needs and diagnoses of Members served; iii. Training specific to the individual(s) for whom the employees or Contractors will be providing services and supports which includes medical or behavioral protocols, supervision, dietary and Activities of Daily Living (ADL) needs, and Provider agencies' internal policies and procedures. 6. Rendering Services According to the Person -Centered Support Plan a. The VENDOR shall maintain, on file, copies of the current Person -Centered Support Plan for all Members they serve. Staff providing direct care to Members shall have access to or a copy of the support plan Person -Centered Support Plan and shall render services as required in the support plan Person - Centered Support Plan. b. The VENDOR shall render services according to the agreed upon Person - Centered Support Plan and coordinate with other provider agencies, when applicable. Members receiving services shall be included in developing the Person -Centered Support Plan and have the freedom to choose a willing service vendor. c. The VENDOR shall not condition a Member's receipt of any service on the Member's agreement to receive other services from the service vendor. d. The VENDOR shall not discontinue or refuse to provide agreed upon services to a Member unless documented efforts have been made to resolve the situation that triggers such discontinuation or refusal to provide services. 7. Incident Reporting a. The VENDOR shall complete the timely reporting, recording, and reviewing of Incidents which shall include, but not be limited to: • Death of Member receiving services; Hospitalization of Member receiving services; Medical emergencies, above and beyond first aid, involving Member receiving services; Allegations of MANE; Injury to Member or illness of Member; • Damage or theft of Member's personal property; • Errors in medication administration; • Lost or missing person receiving services; Criminal activity; and Incidents or reports of actions by Member receiving services that are unusual and require review. b. The VENDOR shall submit a verbal or written report of every Incident to the HCBS Member's Case Management Agency Case Manager within 24 hours of discovery of the actual or alleged Incident. The report shall include: • Name of person reporting; • Name of Member who was involved in the Incident; • Member's Medicaid identification number; • Name of persons involved or witnessing the Incident; Incident type; Date, time, and duration of Incident; Location of Incident; Persons involved; Description of Incident; Description of action taken; Whether the Incident was observed directly or reported to the provider; Name of person notified; Follow-up action taken or where to find documentation of further follow-up; Name of the person responsible for follow up; and Resolution, if applicable. c. If any of the above information is not available and reported to the Case Management Agency Case Manager within 24 hours of the Incident, the VENDOR must submit follow up information as soon as it is obtained. d. Additional follow up information may also be requested by the Case Manager, or the Department. The VENDOR is required to submit all follow up information within the timeframe specified by the Case Management Agency. e. VENDOR shall review and analyze information from Incident reports to identify trends and problematic practices which may be occurring in specific services and shall take appropriate corrective action to address problematic practices identified. SIGNATURE REQUESTED: Weld/Wonder Years CMA Service Agreement 2024 (f) Final Audit Report 2024-03-05 Created: 2024-02-21 By: Sara Adams (sadams@weld.gov) Status: Signed Transaction ID: CBJCHBCAABAAwUk12aj3Zpd46ifZ6cOP94mGfjsGfK6_ "SIGNATURE REQUESTED: Weld/Wonder Years CMA Service Agreement 2024 (f)" History In Document created by Sara Adams (sadams@weld.gov) 2024-02-21 - 8:32:15 PM GMT El Document emailed to steve@livewonderyears.com for signature 2024-02-21 - 8:32:46 PM GMT ,n Email viewed by steve@livewonderyears.com 2024-02-21 - 9:54:55 PM GMT t Email viewed by steve@livewonderyears.com 2024-02-26 - 1:38:13 PM GMT 'n Email viewed by steve@livewonderyears.com 2024-02-27 - 6:12:19 PM GMT In Email viewed by steve@livewonderyears.com 2024-03-05 - 4:36:31 AM GMT de Signersteve@livewonderyears.com entered name at signing as Steven M. Juntunen 2024-03-05 - 4:37:32 AM GMT d© Document e -signed by Steven M. Juntunen (steve@livewonderyears.com) Signature Date: 2024-03-05 - 4:37:34 AM GMT - Time Source: server Agreement completed. 2024-03-05 - 4:37:34 AM GMT Powered by Adobe Acrobat Sign Contract Form Entity Information Entity Name * WONDER YEARS Contract Name * WONDER YEARS Contract Status CTB REVIEW Entity ID* @00048180 Q New Entity? Contract ID 7930 Contract Lead * SADAMS Contract Lead Email sadams@weld.gov;cobbx xlk@weld.gov Parent Contract ID Requires Board Approval YES Department Project # Contract Description * (CONSENT) WONDER YEARS CASE MANAGEMENT AGENCY (CMA) SERVICES AGREEMENT Contract Description 2 PA ROUTED THROUGH BOCC ON 2/6/2024 AND WAS APPROVED ON 2/12/2024, KNOWN TO CTB AS TYLER# 2024-0326 Contract Type * AGREEMENT Amount* $0.00 Renewable* NO Automatic Renewal Grant IGA Department HUMAN SERVICES Department Email CM- HumanServices@weldgov. com Department Head Email CM-HumanServices- DeptHead@weldgov.com County Attorney GENERAL COUNTY ATTORNEY EMAIL County Attorney Email CM- COUNTYATTORNEY@WEL DGOV.COM Requested BOCC Agenda Date * 03/18/2024 Due Date 03/14/2024 Will a work session with BOCC be required?* NO Does Contract require Purchasing Dept. to be included? If this is a renewal enter previous Contract ID If this is part of a MSA enter MSA Contract ID Note: the Previous Contract Number and Master Services Agreement Number should be left blank if those contracts are not in OnBase Contract Dates Effective Date Termination Notice Period Contact Information Review Date 04/30/2024 Committed Delivery Date Renewal Date Expiration Date" 06/30/2024 Contact Info Contact Name Contact Type Contact Email Contact Phone 1 Contact Phone 2 Purchasing Purchasing Approver Purchasing Approved Date CONSENT 03/13/2024 Approval Process Department Head Finance Approver Legal Counsel JAMIE ULRICH CONSENT CONSENT DH Approved Date Finance Approved Date Legal Counsel Approved Date 03/13/2024 03/13/2024 03/13/2024 Final Approval BOCC Approved Tyler Ref # AG 031824 BOCC Signed Date Originator SADAMS BOCC Agenda Date 03/18/2024 Hello