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Home My WebLink About20252958.tiffResolution Approve Professional Service Agreement for General and Legal Transcription Services and Authorize Chair to Sign — Transcription Outsourcing, LLC, dba Ditto Transcripts Whereas, the Board of County Commissioners of Weld County, Colorado, pursuant to Colorado statute and the Weld County Home Rule Charter, is vested with the authority of administering the affairs of Weld County, Colorado, and Whereas, the Board has been presented with a Professional Service Agreement for General and Legal Transcription Services between the County of Weld, State of Colorado, by and through the Board of County Commissioners of Weld County, on behalf of the Department of Human Services, and Transcription Outsourcing, LLC, dba Ditto Transcripts, commencing November 1, 2025, and ending October 31, 2026, with further terms and conditions being as stated in said agreement, and Whereas, after review, the Board deems it advisable to approve said agreement, a copy of which is attached hereto and incorporated herein by reference. Now, therefore, be it resolved by the Board of County Commissioners of Weld County, Colorado, that the Professional Service Agreement for General and Legal Transcription Services between the County of Weld, State of Colorado, by and through the Board of County Commissioners of Weld County, on behalf of the Department of Human Services, and Transcription Outsourcing, LLC, dba Ditto Transcripts, be, and hereby is, approved. Be it further resolved by the Board that the Chair be, and hereby is, authorized to sign said agreement. The Board of County Commissioners of Weld County, Colorado, approved the above and foregoing Resolution, on motion duly made and seconded, by the following vote on the 29th day of October, A.D., 20:25: Perry L. Buck, Chair: Aye Scott K. James, Pro-Tem: Aye Jason S. Maxey: Excused Lynette Peppier: Excused Kevin D. Ross: Aye Approved as to Form: Bruce Barker, County Attorney Attest: Esther E. Gesick, Clerk to the Board cc: !-t SD It k oS ►a5 2025-2958 HR0097 Con+vc - BOARD OF COUNTY COMMISSIONERS PASS -AROUND REVIEW PASS -AROUND TITLE: Professional Services Agreement with Transcription Outsourcing dba Ditto Transcripts DEPARTMENT: Human Services DATE: October 14, 2025 PERSON REQUESTING: Jamie Ulrich, Director, Human Services Brief description of the problem/issue: The Department is requesting approval to enter into a Professional Services Agreement (PSA) with Transcription Outsourcing dba Ditto Transcripts, to provide transcription services. The vendor will prepare certified transcriptions for court hearings, in order to support the filing of exceptions as necessary. The term of this agreement shall be from November 1, 2025 through October 31, 2026 and may be extended annually upon the mutual written agreement of both parties. What options exist for the Board? Approval of the PSA with Transcription Outsourcing dba Ditto Transcripts. Deny approval of the PSA with Transcription Outsourcing dba Ditto Transcripts. Consequences: Weld County DHS will not have a PSA in place with Transcription Outsourcing dba Ditto Transcripts. Impacts: Transcription services and the certified transcripts required to file exceptions will not be available to the Department. Costs (Current Fiscal Year / Ongoing or Subsequent Fiscal Years): Total cost is outlined in Exhibit B, Rate Schedule. Funded through various DHS funding streams. Pass -Around Memorandum; October 14, 2025 — CMS ID 9985 2025-2958 10/Z�1 Recommendation: • Approval of the Professional Services Agreement and authorize the Chair to sign. Support Recommendation Schedule Place on BOCC Agenda Work Session Other/Comments: Perry L. Buck Scott K. James Jason S. Maxey Lynette Peppltr Kevin D. Ross Pass -Around Memorandum; October 14, 2025 - CMS ID 9985 PROFESSIONAL SERVICE AGREEMENT BETWEEN WELD COUNTY AND TRANSCRIPTION OUTSOURCING DBA DITTO TRANSCRIPTS THIS AGREEMENT is made and entered into this Zcith day of O bel/ , 2025, by and between the Board of Weld County Commissioners, on behalf of the Department of Human Services, hereinafter referred to as "County," and Transcription Outsourcing dba Ditto Transcripts, hereinafter referred to as "Contractor". WHEREAS, County desires to retain Contractor to perform services as required by County and set forth in the attached Exhibits; and WHEREAS, Contractor is willing and has the specific ability, qualifications, and time to perform the required services according to the terms of this Agreement; and WHEREAS, Contractor is authorized to do business in the State of Colorado and has the time, skill, expertise, and experience necessary to provide the services as set forth below. NOW, THEREFORE, in consideration of the mutual promises and covenants contained herein, the parties hereto agree as follows: 1. Introduction. The terms of this Agreement are contained in the terms recited in this document and in the attached Exhibits, each of which forms an integral part of this Agreement and are incorporated herein. The parties each acknowledge and agree that this Agreement, including the attached Exhibits, define the performance obligations of Contractor and Contractor's willingness and ability to meet those requirements (the "Work"). If a conflict occurs between this Agreement and any Exhibit or other attached document, the terms of this Agreement shall control, and the remaining order of precedence shall be based upon order of attachment. Exhibit A consists of the Scope of Services. Exhibit B consists of the Rate Schedule. 2. Service or Work. Contractor agrees to procure the materials, equipment and/or products necessary for the Work and agrees to diligently provide all services, labor, personnel, and materials necessary to perform and complete the Work described in the attached Exhibits. Contractor shall further be responsible for the timely completion and acknowledges that a failure to comply with the standards and requirements of Work within the time limits prescribed by County may result in County's decision to withhold payment or to terminate this Agreement. 3. Term. The term of this Agreement shall be from November 1, 2025, through October 31 2026, or until Contractor's completion of the responsibilities described in the attached Exhibits and is subject to continued budget appropriations. This Agreement may be extended upon mutual written agreement of the Parties. 1 ZT25- Za5g 4. Termination; Breach; Cure. County has the right to terminate this Agreement, with or without ause on thirty (30) days written notice. Furthermore, this Agreement may be terming ed at any time without notice upon a material breach of the terms of the Agreement. Material breach means the failure of a Party to perform any of its obligations in accordance with this Contract, in whole or in part or in a timely or satisfactory manner. The institution of proceedings under any bankruptcy, insolvency, reorganization or similar law, by or against Contractor, or the appointment of a receiver or similar officer for Contractor or any of its property, which is not vacated or fully stayed within 30 days after the institution of such proceeding, shall also constitute a breach. If Contractor is debarred or suspended under §24-109-105, C.R.S. at any time during the term of this Contract, then su a h debarment or suspension shall constitute a breach. 5. Countys Remedies. If Contractor is in breach under any provision of this Contract and fails to cure such breach upon notice and cure within 30 days in accordance with Paragraph 4, the County, following the notice and cure period, shall have all the remedies listed in this section in addition to all other remedies set forth in this Contract, in equity, or at law. The County may exercise any or all the remedies available to it, in its discretion, concurrently or consecutively. a) Termination for Breach of Contract Irk the event of Contractor's uncured breach, the County may terminate this entire ontract or any part of this Contract. Contractor shall continue performance of this Contract to the extent not terminated, if any. i. Obligations and Rights To the extent specified in any termination notice, Contractor shall not incur further obligations or render further performance past the effective date of such notice and shall terminate outstanding orders and subcontracts with third parties. However, Contractor shall complete and deliver to the County all Work not cancelled by the termination notice and may incur obligations as necessary to do so within this Contract's terms. At the request of the County, Contractor shall assign to the County all of Contractor's rights, title, and interest in and to such terminated orders or subcontracts. Upon termination, Contractor shall take timely, reasonable and necessary action to protect and preserve property in the possession of Contractor but in which the County has an interest. At the County's request, Contractor shall return materials owned by the County in Contractor's possession at the time of any termination. Contractor shall deliver all completed Work Product and all Work Product that was in the process of completion to the County at the County's request. ii. Payments Notwithstanding anything to the contrary, the County shall only pay Contractor for accepted Work received and satisfactorily completed as of the date of termination. iii. Damages and Withholding Notwithstanding any other remedial action by the County, Contractor shall remain liable to the County for any damages sustained by the County in 2 connection with any breach by Contractor, and the County may withhold payment to Contractor for the purpose of mitigating the County's damages until such time as the exact amount of damages due to the County from Contractor is determined. The County may withhold any amount that may be due Contractor as the County deems necessary to protect the County against loss including, without limitation, loss as a result of outstanding liens and excess costs incurred by the County in procuring from third parties replacement Work as cover. b) Remedies Not Involving Termination The County, in its discretion, may exercise one or more of the following additional remedies: i. Suspend Performance Suspend Contractor's performance with respect to all or any portion of the Work pending corrective action as specified by the County without entitling Contractor to an adjustment in price or cost or an adjustment in the performance schedule. Contractor shall promptly cease performing Work and incurring costs in accordance with the County's directive, and the County shall not be liable for costs incurred by Contractor after the suspension of performance. ii. Withhold Payment Withhold payment to Contractor until Contractor corrects its Work. iii. Deny Payment Deny payment for Work not performed, or that due to Contractor's actions or inactions, cannot be performed or if they were performed are reasonably of no value to the County; provided, that any denial of payment shall be equal to the value of the obligations not performed. iv. Intellectual Property If any Work infringes, or if the County in its sole discretion determines that any Work is likely to infringe, a patent, copyright, trademark, trade secret or other intellectual property right, Contractor shall, as approved by the County, (i) secure that right to use such Work for the County and Contractor; (ii) replace the Work with non -infringing Work or modify the Work so that it becomes non - infringing; or, (iii) remove any infringing Work and refund the amount paid for such Work to the County. 6. Contractor's Remedies. If the County is in breach of any provision of this Contract and does not cure such breach, Contractor, following the notice and cure period in Paragraph 4, may engage the County in informal resolution process, and shall otherwise have all remedies available at law and equity. 7. Extension or Amendment. Any amendments or modifications to this agreement shall be in writing signed by both parties. No additional services or work performed by Contractor shall be the basis for additional compensation unless and until Contractor has obtained written authorization and acknowledgement by County for such additional services. 3 8. Compensation/Contract Amount. County agrees to pay an amount no greater than the amount et forth in Exhibit B, Rate Schedule, for the term of this Agreement, as set forth in Paragraph 3. County agrees to pay Contractor through an invoice process during the course of this Agreement in accordance with the Rate Schedule as described in Exhibit B. Contractor agrees to submit invoices which detail the work completed by Contractor. The County will review each invoice and if it agrees Contractor has completed the invoiced items to the County's satisfaction, it will remit payment to Contractor. No payment in excess of that set forth in the Exhibits will be made by County unless an Amendment authoriz ng such additional payment has been specifically approved by Weld County as required pursuant to the Weld County Code. If, at any time during the term or after termination or expiration of this Agreement, County reasonably determines that any payment made by County to Contractor was improper because the service for which payment was made did not perform as set forth in this Agreement, then upon written notice o such determination and request for reimbursement from County, Contractor shall forthwith return such payment(s) to County. Upon termination or expiration of this Agreement, unexpended funds advanced by County, if any, shall forthwith be returned to County. County will not withhold any taxes from monies paid to the Contractor hereunder and Contractor agrees to be solely responsible for the accurate reporting and payment of any taxes related to payments made pursuant to the terms of this Agreement. Unless expressly enumerated in the attached Exhibits, Contractor shall not be entitled to be paid for any other expenses (e.g. mileage). Notwithstanding anything to the contrary contained in this Agreement, financial obligations of the County payable after the current fiscal year are cont`ngent upon county, state and or federal funds for that purpose being appropriated, budgeted and otherwise made available. Execution of this Agreement by County does not create an obligation on the part of County to expend funds not otherwise appropriated in each succeeding year. This Agreement is subject to and contingent upon the continuing availability of county, state and or federal funds for the purposes hereof. Contractor agrees to work within the confines of the Scope of Services outlined in Exhibit Scope of Services, and Exhibit B, Rate Schedule. 9. Independent Contractor. Contractor agrees that it is an independent contractor and that Contracibr's officers, agents or employees will not become employees or agents of County, nor entitled to any employee benefits (including unemployment insurance or workers' compensation benefits) from County as a result of the execution of this Agreement. Contractor shall be solely responsible for its acts and those of its agents and employees for all acts performed pursuant to this Agreement. Any provisions in this Contract that may appear to give the County the right to direct contractor as to details of doing work or to exercise a measure of control over the work mean that Contractor shall follow the direction of the County as to end results of the work only. The Contractor is obligated to pay all federal and state income tax on any moneys earned or paid pursuant to this contract. 10. Subcon ractors. Contractor acknowledges that County has entered into this Agreement in relianoe upon the particular reputation and expertise of Contractor. Contractor shall not enter into any subcontractor agreements for the completion of the Work without County's prior written consent, which may be withheld in County's sole discretion. County shall have the right in its reasonable discretion to approve all personnel assigned to the 4 Work during the performance of this Agreement and no personnel to whom County has an objection, in its reasonable discretion, shall be assigned to the Work. Contractor shall require each subcontractor, as approved by County and to the extent of the Work to be performed by the subcontractor, to be bound to Contractor by the terms of this Agreement, and to assume toward Contractor all the obligations and responsibilities which Contractor, by this Agreement, assumes toward County. County shall have the right (but not the obligation) to enforce the provisions of this Agreement against any subcontractor hired by Contractor and Contractor shall cooperate in such process. The Contractor shall be responsible for the acts and omissions of its agents, employees, and subcontractors. 11. Ownership. All work and information obtained by Contractor under this Agreement or individual work order shall become or remain (as applicable), the property of County. In addition, all reports, documents, data, plans, drawings, records, and computer files generated by Contractor in relation to this Agreement and all reports, test results and all other tangible materials obtained and/or produced in connection with the performance of this Agreement, whether or not such materials are in completed form, shall at all times be considered the property of the County. Contractor shall not make use of such material for purposes other than in connection with this Agreement without prior written approval of County. 12. Confidentiality. Confidential information of the Contractor should be transmitted separately from non -confidential information, clearly denoting in red on the relevant document at the top the word, "CONFIDENTIAL." However, Contractor is advised that as a public entity, Weld County must comply with the provisions of the Colorado Open Records Act (CORA), C.R.S. 24-72-201, et seq., with regard to public records, and cannot guarantee the confidentiality of all documents. Contractor agrees to keep confidential all of County's confidential information. Contractor agrees not to sell, assign, distribute, or disclose any such confidential information to any other person or entity without seeking written permission from the County. Contractor agrees to advise its employees, agents, and consultants, of the confidential and proprietary nature of this confidential information and of the restrictions imposed by this Agreement. 13. Warranty. Contractor warrants that the Work performed under this Agreement will be performed in a manner consistent with the standards governing such services and the provisions of this Agreement. Contractor further represents and warrants that all Work shall be performed by qualified personnel in a professional manner, consistent with industry standards, and that all services will conform to applicable specifications. 14. Acceptance of Services Not a Waiver. Upon completion of the Work, Contractor shall submit to County originals of all test results, reports, etc., generated during completion of this work. Acceptance by County of reports and incidental material(s) furnished under this Agreement shall not in any way relieve Contractor of responsibility for the quality and accuracy of the project. In no event shall any action by County hereunder constitute or be construed to be a waiver by County of any breach of this Agreement or default which may then exist on the part of Contractor, and County's action or inaction when any such breach or default exists shall not impair or prejudice any right or remedy available to County with respect to such breach or default. No assent expressed or implied, to any breach of any one or more covenants, provisions or conditions of the Agreement shall be deemed or taken 5 to be a giver of any other breach. Acceptance by the County of, or payment for, the Work completed under this Agreement shall not be construed as a waiver of any of the County's rights under this Agreement or under the law generally. 15. Insurance. Contractor must secure, before the commencement of the Work, the followin6 insurance covering all operations, goods, and services provided pursuant to this Agreement, and shall keep the required insurance coverage in force at all times during the term of he Agreement, or any extension thereof, and during any warranty period. For all coverages, Contractor's insurer shall waive subrogation rights against County. Contractor shall provide coverage with limits of liability no less than those stated below. An excess liability policy or umbrella liability policy may be used to meet the minimum liability requirements provided that the coverage is written on a "following form" basis. Acceptability of Insurers: Insurance is to be placed with insurers duly licensed or authorized to do business in the state of Colorado and with an "A.M. Best" rating of not less than A -VII. The County in no way warrants that the above -required minimum insurer rating is sufficient to protect the Contractor from potential insurer insolvency. Required Types of Insurance Workers' Compensation and Employer's Liability Insurance as required by state statute, Covering all of the Contractor's employees acting within the course and scope of their employment. The policy shall contain a waiver of subrogation against the County. This requirement shall not apply when a Contractor or subcontractor is exempt under Colorado Workers' Compensation Act., AND when such Contractor or subcontractor executes the appropriate sole proprietor waiver form. Minimum Comme Limits: Coverage A (Workers' Compensation) Statutory Coverage B (Employers Liability) $ 100,000 $ 100,000 $ 500,000 cial General Liability Insurance - Occurrence Form Policy shall indude bodily injury, property damage, liability assumed under an Insured Contract. The poll y shall be endorsed to include the following additional insured language: "Weld County, its subsidiary, parent, elected officials, trustees, employees, associated and/or affiliated entities, successors, or assigns, agents, and volunteers shall be named as addition I insureds with respect to liability arising out of the activities performed by, or on behalf of the Contractor." Such pol cy shall include Minimum Limits as follows: General Aggregate Products/Completed Operations Aggregate Each Occurrence Limit Personal/Advertising Injury 6 $ 1,000,000 $ 1,000,000 $ 1,000,000 $ 1,000,000 Automobile Liability Insurance Bodily Injury and Property Damage for any owned, hired, and non -owned vehicles used in the performance of this Contract. Such policy shall maintain Minimum Limits as follows: Bodily Injury/Property Damage (Each Accident) $ 1,000,000 Professional Liability (Errors and Omissions Liability) The policy shall cover professional misconduct or lack of ordinary skill for those positions defined in the Scope of Services of this contract. Contractor shall maintain limits for all claims covering wrongful acts, errors and/or omissions, including design errors, if applicable, for damage sustained by reason of or in the course of operations under this Contract resulting from professional services. In the event that the professional liability insurance required by this Contract is written on a claims -made basis, Contractor warrants that any retroactive date under the policy shall precede the effective date of this Contract; and that either continuous coverage will be maintained, or an extended discovery period will be exercised for a period of two (2) years beginning at the time work under this Contract is completed. Minimum Limits: Per Loss Aggregate $ 1,000,000 $ 2,000,000 16. Proof of Insurance. Upon County's request, Contractor shall provide to County, for examination, a policy, endorsement, or other proof of insurance as determined in County's sole discretion. Provided information for examination shall be considered confidential, and as such, shall be deemed not subject to Colorado Open Records Act (CORA) disclosure. All insurers must be licensed or approved to do business within the State of Colorado, and unless otherwise specified, all policies must be written on a per occurrence basis. The Contractor shall provide the County with a Certificate of Insurance evidencing all required coverages, before commencing work or entering the County premises. The Contractor shall furnish the County with certificates of insurance (ACCORD) form or equivalent approved by the County as required by this Contract. The certificates for each insurance policy are to be signed by a person authorized by that insurer to bind coverage on its behalf. The Contractor shall name on the Certificate of Insurance "Weld County, its successors or assigns; its elected officials, employees, agents, affiliated entities, and volunteers as Additional Insureds" for work that is being performed by the Contractor. On insurance policies where Weld County is named as an additional insured, the County shall be an additional insured to the full limits of liability purchased by the Contractor even if those limits of liability are in excess of those required by this Contract. Each insurance policy required by this Agreement must be in effect at or prior to commencement of work under this Agreement and remain in effect for the duration of the 7 project, and for a longer period of time if required by other provisions in this Agreement. Failure to maintain the insurance policies as required by this Agreement or to provide evidenc' of renewal is a material breach of contract. All certificates and any required endorsement(s) shall be sent directly to the County Department Representative's Name and Address. The project/contract number and project lescription shall be noted on the Certificate of Insurance. The County reserves the right to require complete, certified copies of all insurance policies required by this Agreem nt at any time, and such shall also be deemed confidential. Any modification or variation from the insurance requirements in this Agreement shall be made by the County Attorney's Office, whose decision shall be final. Such action will not require a formal contract amendment but may be made by administrative action. 17. Additional Insurance Related Requirements. The County requires that all policies of insurance be written on a primary basis, non-contributory with any other insurance coverages and/or self-insurance carried by the County. The Contractor shall advise the County in the event any general aggregate or other aggregate limits are reduced below the required per occurrence limit. At their own expense, the Contractor will reinstate the aggregate limits to comply with the minimum requirements and shall furnish the County with a new certificate of insurance showing such coverage is in force. Commercial General Liability Completed Operations coverage must be kept in effect for up to three (3) years after completion of the project. Contractors Professional Liability (Errors and Omissions) policy must be kept in effect for up to three (3) years after completion of the project. Certificates of insurance shall state that on the policies that the County is required to be named as an Additional Insured, the insurance carrier shall provide a minimum of 30 days advance written notice to the County for cancellation, non -renewal, suspension, voided, or material changes to policies required under this Agreement. On all other policies, it is the Contractor's responsibility to give the County 30 days' notice if policies are reduced in coverage or limits, cancelled or non -renewed. However, in those situations where the insurance carrier refuses to provide notice to County, the Contractor shall notify County of any cancellation, or reduction in coverage or limits of any insurance within seven (7) days or receipt of insurer's notification to that effect. The Contractor agrees that the insurance requirements specified in this Agreement do not reduce the liability Contractor has assumed in the indemnification/hold harmless section of this Agreement. Failure of the Contractor to fully comply with these requirements during the term of this Agreement may be considered a material breach of contract and may be cause for immediate termination of the Agreement at the option of the County. The County reserves the right to negotiate additional specific insurance requirements at the time of the contract award. 8 18. Subcontractor Insurance. Contractor hereby warrants that all subcontractors providing services under this Agreement have or will have the above -described insurance prior to their commencement of the Work, or otherwise that they are covered by the Contractor's policies to the minimum limits as required herein. Contractor agrees to provide proof of insurance for all such subcontractors upon request by the County. 19. No limitation of Liability. The insurance coverages specified in this Agreement are the minimum requirements, and these requirements do not decrease or limit the liability of Contractor. The County in no way warrants that the minimum limits contained herein are sufficient to protect the Contractor from liabilities that might arise out of the performance of the Work under by the Contractor, its agents, representatives, employees, or subcontractors. The Contractor shall assess its own risks and if it deems appropriate and/or prudent, maintain higher limits and/or broader coverages. The Contractor is not relieved of any liability or other obligations assumed or pursuant to the Contract by reason of its failure to obtain or maintain insurance in sufficient amounts, duration, or types. The Contractor shall maintain, at its own expense, any additional kinds or amounts of insurance that it may deem necessary to cover its obligations and liabilities under this Agreement. 20. Certification of Compliance with Insurance Requirements. The Contractor stipulates that it has met the insurance requirements identified herein. The Contractor shall be responsible for the professional quality, technical accuracy, and quantity of all services provided, the timely delivery of said services, and the coordination of all services rendered by the Contractor and shall, without additional compensation, promptly remedy and correct any errors, omissions, or other deficiencies. 21. Mutual Cooperation. The County and Contractor shall cooperate with each other in the collection of any insurance proceeds which may be payable in the event of any loss, including the execution and delivery of any proof of loss or other actions required to effect recovery. 22. Indemnity. The Contractor shall indemnify, hold harmless and, not excluding the County's right to participate, defend the County, its officers, officials, agents, and employees, from and against any and all liabilities, claims, actions, damages, losses, and expenses including without limitation reasonable attorneys' fees and costs, (hereinafter referred to collectively as "claims") for bodily injury or personal injury including death, or loss or damage to tangible or intangible property caused, or alleged to be caused in whole or in part by the negligent or willful acts or omissions of Contractor or any of its owners, officers, directors, agents, employees or subcontractors. This indemnity includes any claim or amount arising out of or recovered under the Workers' Compensation Law or arising out of the failure of such contractor to conform to any federal, state, or local law, statute, ordinance, rule, regulation, or court decree. It is the specific intention of the parties that the County shall, in all instances, except for claims arising solely from the negligent or willful acts or omissions of the County, be indemnified by Contractor from and against any and all claims. It is agreed that Contractor will be responsible for primary loss investigation, defense, and judgment costs where this indemnification is applicable. In consideration of award of this contract, the Contractor agrees to waive all rights of subrogation against the County, its officers, officials, agents, and employees for losses 9 arising from the work performed by the Contractor for the County. The Contractor shall be fully responsible and liable for any and all injuries or damage received or sustained by any person, persons, or property on account of its performance under this Agreement or its failure to comply with the provisions of the Agreement. A failure of Contractor to comply with these indemnification provisions shall result in County' right but not the obligation to terminate this Agreement or to pursue any other lawful remedy. 23. Non -Assignment. Contractor may not assign or transfer this Agreement or any interest therein or claim thereunder, without the prior written approval of County. Any attempts by Contrac or to assign or transfer its rights hereunder without such prior approval by County shall, at the option of County, automatically terminate this Agreement and all rights of Contractor hereunder. Such consent may be granted or denied at the sole and absolute discretidn of County. 24. Examination of Records. To the extent required by law, the Contractor agrees that a duly authorized representative of County, including the County Auditor, shall have access to and the right to examine and audit any books, documents, papers and records of Contractor, involving all matters and/or transactions related to this Agreement. Contractor agrees to maintain these documents for three years from the date of the last payment received 25. Interruptions. Neither party to this Agreement shall be liable to the other for delays in delivery or failure to deliver or otherwise to perform any obligation under this Agreement, where such failure is due to any cause beyond its reasonable control, including but not limited to Acts of God, fires, strikes, war, flood, earthquakes, or Governmental actions. 26. Notices. County may designate, prior to commencement of Work, its project representative ("County Representative") who shall make, within the scope of his or her authority, all necessary and proper decisions with reference to the project. All requests for contract interpretations, change orders, and other clarification or instruction shall be directed to County Representative. All notices or other communications made by one party to .he other concerning the terms and conditions of this contract shall be deemed delivered under the following circumstances: a) personal service by a reputable courier service requiring signature for receipt; or b) five (5) days following delivery to the United States Postal Service, postage prepaid addressed to a party at the address set forth in this contract; or c) electronic transmission via email at the address set forth below, where a receipt or acknowledgment is required and received by the sending party; or 10 Either party may change its notice address(es) by written notice to the other. Notice may be sent to: TO CONTRACTOR: Name: Ben Walker Position: President/CEO Address: 3801 East Florida Avenue, Suite 500 Address: Denver, Colorado 80210 E-mail: bwalker(a�dittotranscripts.com Phone: (720) 287-3710 TO COUNTY: Name: Jamie Ulrich Position: Director Address: P.O. Box A Address: Greeley, Colorado 80632 E-mail: ulrichjj(S weld.gov Phone: (970) 400-6510 27. Compliance with Law. Contractor shall strictly comply with all applicable federal and State laws, rules and regulations in effect or hereafter established, including without limitation, laws applicable to discrimination and unfair employment practices. 28. Non -Exclusive Agreement. This Agreement is nonexclusive, and County may engage or use other Contractors or persons to perform services of the same or similar nature. 29. Entire Agreement/Modifications. This Agreement including the Exhibits attached hereto and incorporated herein, contains the entire agreement between the parties with respect to the subject matter contained in this Agreement. This instrument supersedes all prior negotiations, representations, and understandings or agreements with respect to the subject matter contained in this Agreement. This Agreement may be changed or supplemented only by a written instrument signed by both parties. 30. Fund Availability. Financial obligations of the County payable after the current fiscal year are contingent upon funds for that purpose being appropriated, budgeted and otherwise made available. Execution of this Agreement by County does not create an obligation on the part of County to expend funds not otherwise appropriated in each succeeding year. 31. Employee Financial Interest/Conflict of Interest — C.R.S. §§24-18-201 et seq. and §24-50-507. The signatories to this Agreement state that to their knowledge, no employee of Weld County has any personal or beneficial interest whatsoever in the service or property which is the subject matter of this Agreement. Contractor agrees that if Contractor was a former employee of the Department of Human Services, or employs a former employee of the Department of Human Services, that Contractor will also abide by applicable requirements under C.R.S. 24-18-201 et seq. 11 32. Survival of Termination. The obligations of the parties under this Agreement that by their nature would continue beyond expiration or termination of this Agreement (including, without limitation, the warranties, indemnification obligations, confidentiality and record keeping requirements) shall survive any such expiration or termination. 33. Severability. If any term or condition of this Agreement shall be held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, this Agreement shall be construed and enforced without such provision, to the extent that this Agreement is then capable of executiolln within the original intent of the parties. 34. Non -Waiver. The parties hereto understand and agree that the County is relying on, and does not waive or intend to waive by any provision of this Contract, the monetary IimitatiorliIs or any other immunities, rights, benefits, and protections, provided by the Colorado Governmental Immunity Act §§24-10-101 et seq., as from time to time amended, or otherwise available to the County, its subsidiary, associated and/or affiliated entities, successors, or assigns; or its elected officials, employees, agents, and volunteers. 35. Force Majeure. Neither the Contractor nor the County shall be liable for any delay in, or failure of performance of, any covenant or promise contained in this Agreement, nor shall any delay or failure constitute default or give rise to any liability for damages if, and only to extent that, such delay or failure is caused by or results from acts beyond the impacted Party's reasonable control, including without limitation, the following "force majeure" events that frustrate the purpose of this Agreement: As used in this Agreement, "force majeure" means acts of God, acts of the public enemy, unusually severe weather, fires, floods, epidemics, quarantines, strikes, labor disputes and freight embargoes, government order or law, action by any governmental authority, and other similar events beyond the reasonable control of the impacted party, to the extent such events were not the result of, or were not aggravated by, the acts or omissions of the non -performing or delayed party. However, if force majeure occurs after the party delays performance, the party shall not be exempted from liability. The Party affected by the force majeure shall make reasonable efforts to reduce the consequences caused by the force majeure. If the foce majeure affects the performance of the contract, the party that is subject to force majeure shall promptly notify the other party and submit to the other party a sufficient and valid proof of force majeure within a reasonable period of time. Otherwise, the corresponding liability shall not be waived. 36. No ThirI-Party Beneficiary. It is expressly understood and agreed that the enforcement of the to ms and conditions of this Agreement, and all rights of action relating to such enforcement, shall be strictly reserved to the undersigned parties and nothing in this Agreement shall give or allow any claim or right of action whatsoever by any other person not included in this Agreement. It is the express intention of the undersigned parties that any entitlly other than the undersigned parties receiving services or benefits under this Agreement shall be an incidental beneficiary only. 12 37. Board of County Commissioners of Weld County Approval. This Agreement shall not be valid until it has been approved by the Board of County Commissioners of Weld County, Colorado, or its designee. 38. Choice of Law/Jurisdiction. Colorado law, and rules and regulations established pursuant thereto, shall be applied in the interpretation, execution, and enforcement of this Agreement. Any provision included or incorporated herein by reference which conflicts with said laws, rules and/or regulations shall be null and void. In the event of a legal dispute between the parties, Contractor agrees that the Weld County District Court shall have exclusive jurisdiction to resolve said dispute. 39. No Employment of Unauthorized Aliens. Contractor certifies, warrants, and agrees that it does not knowingly employ or contract with an unauthorized alien who will perform work under this Agreement (see 8 U.S.C.A. §1324a and (h)(3)), nor enter into a contract with a subcontractor that employs or contracts with an unauthorized alien to perform work under this Agreement. Upon request, contractor shall deliver to the County a written notarized affirmation that it has examined the legal work status of an employee and shall comply with all other requirements of federal or state law, including employment verification requirements contained within state or federal grants or awards funding public contracts. Contractor agrees to comply with any reasonable request from the Colorado Department of Labor and Employment in the course of any investigation. If Contractor fails to comply with any requirement of this provision, County may terminate this Agreement for breach, and if so terminated, Contractor shall be liable for actual and consequential damages. 40. Attorney's Fees/Legal Costs. In the event of a dispute between County and Contractor concerning this Agreement, the parties agree that each party shall be responsible for the payment of attorney fees and/or legal costs incurred by or on its own behalf. 41. Binding Arbitration Prohibited. Weld County does not agree to binding arbitration by any extra judicial body or person. Any provision to the contrary in this Agreement or incorporated herein by reference shall be null and void. 42. Acknowledgment. County and Contractor acknowledge that each has read this Agreement, understands it and agrees to be bound by its terms. Both parties further agree that this Agreement, with the attached Exhibits, is the complete and exclusive statement of agreement between the parties and supersedes all proposals or prior agreements, oral or written, and any other communications between the parties relating to the subject matter of this Agreement. 13 IN WITNESS WHEREOF, the parties hereto have duly executed the Agreement as of the day, month, and year first above written. COUNTY: ATTEST: ' BY: BOARD OF COUNTY COMMISSIONERS Clerk to the Board WE COUNTY, C! LORADO Deputy Clerk to the B rd�h. L ; rry L. uck, Chair OCT 2 9 2025 1861 tzis -11 1 NTRACTOR: anscription Outsourcing dba Ditto Transcripts 3801 East Florida Avenue, Suite 500 Denver, Colorado 80210 $en Walker By: Ben Walker(Oct 8, 202513:57:16 mon Ben Walker, President/CEO Date: 10/08/2025 14 2 OZ5- 2AS% EXHIBIT A SCOPE OF SERVICES I. Overview A. The Parties are entering into this Agreement for Contractor to provide General Transcription and Legal Transcription Services to the County. Transcription work will follow the specifications and requirements for County. B. County intends to contract for translation services to support the Department of Human Services' clients, courts, case workers and the Department as a whole. II. Work A. Contractor will review all transcriptions and proofread, spell -check, demographically checked and correctly formatted to County requirements. B. If County receives transcriptions with less than 98% accuracy Contractor will correct the transcription free of cost (with the exception of shipping fees if paper copies are required). C. Contractor will quality check transcriptions by at least two people — the transcriptionist and the Quality Assurance editor. D. County can reject files that are not meeting requirements by rejecting it from their Inbox or alerting the Contractor Office Manager or Project Coordinator by phone, text or email. The file will be re -checked within 24 hours or less. E. Contractor will meet the confidentiality requirements including HIPAA- compliance, CJIS and any other needs of the County. F. Timeliness of work completion will meet the requirements of the County including confirmed receipt of jobs and turnaround time. G. Contractor will email, call, or text the County regarding inaudible files to discuss options for the file. H. Contractor can accept the following file types: way, mp3, mp4, aac, act, aifc, aiff, amr, ape, au caf, dct, ds2, dss, dsp, dvf, dvs, flac, ogg, m4a, mp2, mpc, msv, qcp, ra/rm, shn, spx, voc, vox, wma. Contractor can also accept video files as well. Contractor has conversion software that can convert audio and video files after County approval. III. Delivery of Dictation to Contractor: A. Contractor shall provide a file transfer protocol for delivery of digital voice files for transcribing by Contractor. B. All dictations received and completed transcriptions shall be delivered electronically; and Contractor shall provide a web platform to facilitate the transfer of dictations to Contractor at no additional cost to County. Contractor shall also provide the County with all technical support and product updates at no extra cost. IV. Delivery of Transcribed Documents to County: A. Contractor shall use their platform to deliver to County each report transcribed by Contractor before or within the time period applicable to such report. The time period for delivery of such reports shall be measured from the time at which the dictation of the report is available to Contractor' transcriptionists, to the time at which the report is transcribed and uploaded for County review. B. Turnaround time for transcription services shall be as little as twenty-four (24) hours from the time the dictations are received by Contractor transcriptionists, and as long as 240 hours from the time the dictations are received by C. ct anscriptionists, unless otherwise agreed. ontractor agrees to complete transcription services upon receipt of a project request of the County. This requirement is further detailed below: 1. Pages are completed in Microsoft Word format. 2. Margins set to normal. 3. Font set at 12pt in Calibri. 4. Paragraph set at single spacing. Each page meeting the requirements listed above is reimbursed at a rate as set forth in Exhibit B, Rate Schedule. V. Destructio of County Information: A. Any and all information provided to Contractor by County shall be destroyed by Contractor once the transcription has been approved by County. B. Translation services will be provided from either an office or home location. VI. Requirements A. The following requirements shall apply to all services: 1. Contractor shall be in complete compliance with all regulations governed by the Consumer Financial Protection Bureau. 2. Contractor shall deliver accurate project logs to County. These project log records shall be accessible either on demand via an email request from County, or available online. VII. Invoicing A. Contractor shall submit monthly invoices for reimbursement. The monthly i voices should be submitted as separate invoices, separated per project Worked/completed for that given month. The monthly invoice should include the same details of the project log, and are listed below for reference: 1. Project Name. 2. Date the project was requested. 3. Project completion date. 4. Number of original pages in the project requested to be translated. 5. Name of person who requested the project. 6. If the project is client specific, name. 7. Total cost of project. 2 Exhibit B Rate Schedule Service Type Standard Page (no fewer than 25 lines) Number of people speaking 2 people 2 people 2 people 2 people 3 people 3 people 3 people 3 people 4 people 4 people 4 people 4 people Per Page 1 day 3 days 5 days 10 days 1 day 3 days 5 days 10 days 1 day 3 days 5 days 10 days General Transcription 1 $3.25 $2.50 $2.25 $2.15 $3.75 $3.50 $3.25 $3.00 $3.75 $3.50 $3.25 $3.00 Court/Legal Transcription 1 $3.25 $2.50 $2.25 $2.15 $3.75 $3.50 $3.25 $3.00 $3.75 $3.50 $3.25 $3.00 Additional Transcription Service Charges Per Page 1 -day 2- day 3 -day 4 -day 5 -day 10 days Audio Time Coding 1 $0.75 $0.75 $0.75 $0.50 $0.50 $0.50 Burnt -in Timecode 1 $0.75 $0.75 $0.75 $0.50 $0.50 $0.50 Speaker Tracking 1 $0.75 $0.75 $0.75 $0.50 $0.50 $0.50 Non -American Accent 1 $0.75 $0.75 $0.75 $0.50 $0.50 $0.50 Noisy Background 1 $0.75 $0.75 $0.75 $0.50 $0.50 $0.50 Strict Verbatim 1 $0.75 $0.75 $0.75 $0.50 $0.50 $0.50 Subtitle File 1 $0.75 $0.75 $0.75 $0.50 $0.50 $0.50 High Difficulty Level 1 $0.75 $0.75 $0.75 $0.50 $0.50 $0.50 SIGNATURE REQUESTED: Weld/Ditto Transcripts PSA Final Audit Report 2025-10-08 Created: By: Status: Transaction ID: 2025-10-08 Sara Adams (sadams@weld.gov) Signed CBJCHBCAABAAaXVLW MjamKQzoWdsBoajuEFIxCLFEgq W "SIGNATURE REQUESTED: Weld/Ditto Transcripts PSA" Histor Y ,n Document created by Sara Adams (sadams@weld.gov) 2025-10-08 - 6:05:19 PM GMT- IP address: 204.133.39.9 -. Document mailed to bwalker@dittotranscripts.com for signature 2025-10-08 - 6:06:03 PM GMT ,5 Email viewed by bwalker@dittotranscripts.com 2025-10-08 - 6:;06:58 PM GMT- IP address: 104.28.50.161 4,4 Signer bwallyer@dittotranscripts.com entered name at signing as Ben Walker 2025-10-08 - 7:'7:14 PM GMT- IP address: 23.24.133.210 05 Document e -signed by Ben Walker (bwalker@dittotranscripts.com) Signature Dates 2025-10-08 - 7:57:16 PM GMT - Time Source: server- IP address: 23.24.133.210 O Agreement Completed. 2025-10-08 - 7:57:16 PM GMT Powered tfy Adobe I Acrobat Sign THE HARTFORD MARCH 11, 2025 Your insurance policy is scheduled to renew on 04/20/2025 with CHOICE FINANCIAL GROUP LLC. Inside you'll find the documents you need to review for your new policy. In some cases, you may have paperwork that requires your special attention. If so, you'll see those documents packaged together right after this letter. WHAT HAPPENS NEXT As we get closer to your renewal date, we'll send your insurance bill. We may also reach out to you about whether you need to do your yearly premium audit. If so, we'll follow up with more information on how to get started. SEE WHAT YOU CAN DO ONLINE We've made it easy for you to manage your account digitally. Visit https://business.thehartford.com and click on "My Account" to log in or register. Once you do, you can: • Pay your bill, view payment history and enroll in Auto Pay • Request certificates of insurance • View billing and policy documents, and sign up for paperless delivery THANK YOU FOR YOUR BUSINESS On behalf of CHOICE FINANCIAL GROUP LLC and The Hartford, we want to thank you again for choosing us. We look forward to serving your business insurance needs for the upcoming term, too. SC 50 62 10 18 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD IMPORTANT NOTICE TO POLICYHOLDERS Thank you for renewing your policy with The Hartford. With this notice we are providing you only with the declarations page, which outlin s your coverages, and with those policy forms, notices, and brochures which are different from those which we provide with your previous policy. You should retain all of these documents and those provided with your previous policy indefinitely so that you will have a complete set of policy forms at all times for your reference. If you have questions, or if at any time you need copies of any of the forms listed on your policy you may access them by registering for access to the customer service portal at business.TheHartford.com. You may also request them by calling your Hartford ageriit or broker, or the office of The Hartford identified on your policy, as appropriate. Form SC 50 64 06 20 Page 1 of 1 © 2020, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) CERTIFICATE OF LIABILITY INSURANCE DATE(MM/DD/YYYY) 03/11/2025 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 be endorsed. If SUBROGATIONIS 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 CHOICE FINANCIAL GROUP LLC 10258346 368 9TH AVE 6TH FLOOR NEW YORK NY 10001 CONTACT NAME: PHONE (866)467-8730 FAX (888)443-6112 (AIC, No, Ext): (NC, No): E-MAIL ADDRESS: INSURER(S) AFFORDING COVERAGE NAIL# INSURED Transcription Outsourcing, LLC DBA Ditto Transcripts 3801 E FLORIDA AVE SUITE 500 DENVER CO 80210 INSURER A: Hartford Underwriters Insurance Company 30104 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. INSR LTR TYPE OF INSURANCE ADDL INSR SUER WVD POLICY NUMBER POLICY EFF (MM/DD/YYYYI POLICY EXP (MM/DD/Y TY, LIMITS COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE $1,000,000 CLAIMS -MADE OCCUR DAMAGE TO RENTED PREMISES (Ea occurrence) $1 000 000 X General Liability MED EXP (Any one person) $10,000 A 10 SBA AS2FZM 04/20/2025 04/20/2026 PERSONAL 6 ADV INJURY $1,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $2,000,000 X POLICY ❑ JE Q ❑ LOC PRODUCTS - COMP/OP AGG $2,000,000 OTHER: AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT (Ea accident) $1,000,000 ANY AUTO BODILY INJURY (Per person) A ALL OWNED SCHEDULED 10 SBA AS2FZM 04/20/2025 04/20/2026 BODILY INJURY (Per accident) AUTOS HIRED AUTOS NON -OWNED PROPERTY DAMAGE (Per accident) X AUTOS ,--T X AUTOS X UMBRELLA LIAB X OCCUR EACH OCCURRENCE $1,000,000 A EXCESS LIAB CLAIMS MADE 10 SBA AS2FZM 04/20/2025 04/20/2026 AGGREGATE $1,000,000 DEDI I RETENTION $ 10,000 WORKERS COMPENSATION AND EMPLOYERS. LIABILITY ANY Y/N IPER I I H STATUTE ER E.L. EACH ACCIDENT PROPRIETOR/PARTNER/EXECUTIVE OFFICER/MEMBER EXCLUDED? E N/A E.L. DISEASE -EA EMPLOYEE (Mandatory in NH) If yes, describe under DESCRIPTION OF OPERATIONS below E.L. DISEASE - POLICY LIMIT A Professional Liability 10 SBA AS2FZM 04/20/2025 04/20/2026 Each Claim Limit $2,000,000 Aggregate Limit $2,000,000 DESCRIPTION OF OPERATIONS /LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) The Business Liability Coverage Part includes a Blanket Additional Insured By Contract Endorsement, Form SL 30 32. 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 THE HARTFORD IMPORTANT NOTICE TO POLICYHOLDERS REDUCTION OF COVERAGE FORM NUMBER SL21150922 SU 21 09 03 23 TITLE OF FORM: EXCLUSION - PERFLUOROALKYL AND POLYFLUOROALKYL SUBSTANCES (PFAS) FOLLOWING FORM ENDORSEMENT - PERFLUOROALKYL AND POLYFLUOROALKYL SUBSTANCES (PFAS) THE FORM(S) CITED ABOVE HAS BEEN ADDED TO YOUR POLICY AND HAS THE EFFECT OF REDUCING YOUR INSURANCE COVERAGE. YOU SHOULD REVIEW YOUR POLICY AND CONTACT YOUR HARTFORD AGENT OR YOUR BROKER IF YOU HAVE ANY QUESTIONS. Form SC 50 10 10 jl8 Page 1 of 1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) MTHE HARTFORD IMPORTANT NOTICE TO POLICYHOLDERS THE HARTFORD CYBER CENTER WEBSITE ACCESS Thank you for choosing The Hartford for your business insurance needs. You are receiving this Notice because you purchased a business owner's policy from The Hartford, (your Policy was issued by The Hartford writing company identified on your policy Declarations page) which includes access to The Hartford Cyber Center. This portal was created because we recognize that businesses face a variety of cyber-related exposures and need help managing the related risks. These exposures include data breaches, computer virus attacks and cyber extortion threats. Through The Hartford Cyber Center, you have access to: 1. A panel of third party incident response service providers 2. Third party cybersecurity pre -incident service providers and a list of approved services to help protect your business before a cyber-threat occurs 3. Risk management tools, including self -assessments, best practice guides, templates, sample incident response plans, and data breach cost calculators 4. White papers, blogs and webinars from leading privacy and security practitioners 5. Up-to-date cyber-related news and events, including examples of privacy and security related events Accessing The Hartford Cyber Center is easy 1. Visit www.thehartford.com/cybercenter 2. Enter policyholder information 3. Access code: 952689 4. Login to The Hartford Cyber Center This Notice does not amend or otherwise affect the provisions of your business owner's policy. Coverage Options: The Hartford offers a variety of endorsements to your business owner's policy that can help protect your business from a broad range of cyber-related threats. Please review your coverage with your insurance agent or broker to determine the most appropriate cyber coverages and limits for your business. Claims Reporting: If you have a claim, you can report it by calling The Hartford's toll -free claims line at 1-800-327-3636. Should you have any questions, please contact your insurance agent, broker or you may contact us directly. We appreciate your business and look forward to being of continued service to you. Please be aware that 1. The Hartford Cyber Center is a proprietary web portal exclusively provided to customers of The Hartford. Please do not share the access code with anyone outside your organization. 2. Registration is required to access the Cyber Center. You may register as many users as necessary. 3. Contacting a service provider about any issue does not constitute providing The Hartford notice of a claim as required under your insurance policy. Read your insurance policy and discuss any questions with your agent or broker. The Hartford Cyber Center provides third party service provider references and materials for educational purposes only. The Hartford does not specifically endorse any such service provider within The Hartford Cyber Center and hereby disclaims all liability with respect to use of or reliance on such service providers. All service providers are independent contractors and not agents of The Hartford. The Hartford does not warrant the performance of the service providers, even if such services are covered under your Business Owners Policy. We strongly encourage you to conduct your own assessments of the service providers' services and the fitness or adequacy of such services for your particular needs. Form SC 90 0410 18 Page 1 of 1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THE HARTFORD Together We Prevail ' BUSINESS OWNER'S POLICY Form: SC 00 12 10 18 00206588 THE 4° HARTFORD Declarations: Business Owner's Policy Policy Number: 10 SBA AS2FZM Policy Period: 04/20/2025 to 04/20/2026, 12:01 a.m., Standard time at your mailing address shown here. Exception: 12 noon in New Hampshire. Insurer: Hartford Underwriters Insurance Company, a property and casualty company of The Hartford. One Hartford Plaza, Hartford, CT 06155 Named Insured and Mailing Address: Transcription Outsourcing, LLC DBA Ditto Transcripts 3801 E Florida Ave Suite 500 DENVER, CO 80210 Type of Business: Stenographic & Secretarial Services Name of Agency/Broker: CHOICE FINANCIAL GROUP LLC 368 9TH AVE 6TH FLOOR NEW YORK, NY 10001 Code: 10258346 Previous Policy Number: 10 SBA AS2FZM Organization Type: LLC Audit Period: Non-Auditable Insurance Provided: In return for the payment of the premium and subject to all of the terms of this policy, we agree with you to provide insurance as stated in this policy. TOTAL PREMIUM: $2,464* Total Premium includes the premium for all Coverage Parts issued to you in this policy, as well as any companion policies delivered with this policy. Total Premium includes any applicable fees and surcharges. Total Premium may change based on coverage changes made through endorsement or if your policy is subject to Premium Audit. Countersigned by: 6,.. C .6&/ze�Q> Authorized Representative 03/11/2025 Date A Business Owner's Policy typically covers property and business liability risks. Generally, Property insurance pays you if a covered cause of loss damages property that you own, rent or lease. Business liability insurance pays in certain cases where something you do or something you own causes injury or damage to someone else, or someone else's property. Please see the coverages and limits described in your Declarations for details regarding the insurance you purchased. This Spectrum® Business Owner's Policy consists of the Declarations, Coverage Forms, Coverage Parts, Common Policy Conditions and any other Forms and endorsements issued to be a part of the Policy. The Hartford® is Hartford Fire Insurance Company and its affiliated property and casualty insurance companies. Form: SC 00 01 10 18 THEE°� HARTFORD TERM Audit Period Declarations: Business Owner's Policy Glossary of Terms* DEFINITION Base Coverage Form Coverage Peril Your Policy period, which may be auditable or non-auditable. If your Policy is auditable, we will examine your business records to determine actual exposures for final premium calculation. Each Coverage Part has a form that explains, generally, what is and is not covered. This is the first building block of the Coverage Part. All other forms directly or indirectly modify the Base Coverage Form and are attached to it. A section of the Policy fora particular coverage. Unless otherwise stated in a specific Coverage i Part, a Coverage Part consists of a Declarations page, a Base Coverage Form, all forms that modify the Base Coverage Form, and other forms applicable to the Coverage Part or the entire Policy. Declarations The part of the insurance contract that specifies the named insured, address, policy period, covered locations, limits of insurance and other key information such as forms applicable to the Coverage Part. Policy A contract between you and us to provide you with certain insurance coverages. Your Spectrum Business Owner's Policy consists of all Coverage Parts and forms common to some or all Coverage Parts. STRETCH® ----- --- -- -- -- - - -- - - _ -- _ _ - - -- --- --- ----- --- A unique feature of The Hartford's policy is an optional enhancement to the policy which STRETCH® Bl�increases the limit of insurance for several coverages and adds new coverages to the policy. nket Limit Provides a single limit of insurance that applies to more than one Coverage. Coverages subject to the STRETCH® Blanket Limit may also have additional limits of insurance which would apply in addition to the STRETCH® Blanket Limit. *The terms and definitions contained in the Glossary of Terms are provided to help you better understand your Business Owners Policy and how it is constructed. These terms and definitions are not definitions that apply to any Coverage Part or Policy you have purchased and should not be construed as such. Please refer to the applicable provisions in your coverage parts or policies for complete details of the defined terms, including but not limited to the applicable Definitions section of such Coverage Part or Policy. Form: SC 00 01 10 18 2 QDeclarations: Locations and U Location -Based Coverages Here's how your Business Owner's insurance coverage and limits apply to your business locations (LOC). If you have more than one location or building (BLDG), we break out your coverage and limits separately for each LOC. LOC 1, BLDG 1 Class: Stenographic & Secretarial Services Location: 3801 E FLORIDA AVE STE 500 DENVER,CO 80210-2543 Construction Type: Non-combustible Year Built: 1980 Property Deductible: $1,000 Valuation Business Personal Property (BPP): Replacement Cost VERAGES AND FEATURES Business Personal Property, includes: • Tenant's Improvements and Betterments • Personal Property of Others Business Personal Property (BPP) - Business Personal Property Limit - Additional Seasonal Increase % Building Form: SC 00 01 10 18 $23,300 25% - Included $0 3 um Declarations: Property Coverage Part The coveragees listed below apply to the location(s) for which you purchased property coverage. The limits in the right-hand column show the maximum amount we'll pay. Read the entire Coverage Part to determine your rights, duties and what is and is not covered under the coverages listed below. STRETCH Blanket Limit: $50,000 FORM NUMBER FORM NAME SP 3023101 SP 30 18 10 1 SP 30 57 10 1 SP 30 31 10 1 SP 30 59 10 18 SP 30 13 10 18 SP 3019101 SP3040101 SP 30 14 10 18 SP 30 45 10 18 SP 30 47 10 18 SP 30 32 10 1 SP 30001018 SP 30 60 10 18 Form: SC 00 01 10 18 ACCOUNTS RECEIVABLE ARSON AND THEFT REWARD BACK-UP OF SEWERS AND DRAINS COVERAGE BRANDS AND LABELS BUILDING PROPERTY OF OTHERS BUSINESS INCOME AND EXTRA EXPENSE Extended Business Income Limit Type Period of Restoration Waiting Period BUSINESS INCOME FOR CIVIL AUTHORITY ORDERS Duration of Coverage Waiting Period BUSINESS INCOME FOR OFF -PREMISES UTILITY SERVICES Limit Waiting Period BUSINESS INCOME FROM DEPENDENT PROPERTIES Limit Period of Restoration Waiting Period BUSINESS INCOME FROM OFF -PREMISES OPERATIONS Extended Business Income Limit Waiting Period BUSINESS INCOME FROM WEBSITES Limit Max Period of Restoration Waiting Period CLAIM EXPENSE COLLAPSE COMPUTERS WORLDWIDE LIMIT OF INSURANCE Included in STRETCH® Blanket Limit 60 days Actual Loss Sustained 12 months None 30 days None $25,000 $25,000 12 months None 60 days $25,000 None $10,000 7 days 12 hours ----------- ------------------ $10,000 Included' Included in STRETCH® Blanket Limit 4 I SP 30 42 10 18 SP 30 02 10 18 SP 30 38 10 18 SP 30 55 10 18 SP 30 03 10 18 SP 30 04 10 18 SP30161219 SP 30 46 10 18 SP 31 51 12 23 SP 30 05 10 18 � Declarations: LIM Property Coverage Part CONTINUED FORM NUMBER SP30371018 FORM NAME LIMIT OF INSURANCE CONTRACT PENALTIES P 31 53 09 24 I CYBER VIRUS AND MALWARE COVERAGE Business Income & Extra Expense Waiting Period Business Income Period of Restoration Digital Ransom and Extortion Threats - Sublimit Policy Year Limit SP 30 01 10 18 DEBRIS REMOVAL Limit SP 30 29 09 24 ELECTRONIC DATA Policy Year Limit EMPLOYEE DISHONESTY COVERAGE - EXCLUDES ERISA COMPLIANCE EQUIPMENT BREAKDOWN Deductible Defense Expediting Expenses Hazardous Substances Supplementary Payments EXPEDITING EXPENSES • FINE ARTS COVERAGE FIRE DEPARTMENT SERVICE CHARGE FIRE EXTINGUISHER RECHARGE FORGERY COVERAGE (INCLUDING CREDIT CARDS, CURRENCY AND MONEY ORDERS) FRAUDULENT TRANSFER COVERAGE FUNGI, WET ROT OR DRY ROT - LIMITED COVERAG Limit Period of Restoration GARAGES, STORAGE BUILDINGS, AND OTHER APPURTENANT STRUCTURES SP 30 06 10 18 GLASS EXPENSE SP 30 22 06 22 IDENTITY RECOVERY FOR BUSNESSOWNERS AND EMPLOYEES Deductible Limit Form: SC 00 01 10 18 $1,000 12 hours 12 months $10,000 $25,000 Included in STRETCH® Blanket Limit 25% of amount paid for covered loss $50,000 $1,000,000 Includedz Property Deductible Included $50,000 $50,000 Included $10,000 $10,000 Included in STRETCH® Blanket Limit Includedz $25,000 $10,000 $50,000 30 days $50,000 ItolEded® $250 $15,000 5 Declarations: I Property Coverage Part CONTINUED FORM NUMBER FORM NAME Lost Wages and Child and Elder Care Expense Mental Health Sublimit SP 30 30 09 24 INTERRUPTION OF COMPUTER OPERATIONS Period of Restoration Policy Year Limit Waiting Period SP 30 07 10 18 LEASE ASSESSMENT SP 30 54 10 1,8 , LEASEHOLD IMPROVEMENTS SP 30 08 10 118 LOCK AND KEY REPLACEMENT SP 30 36 03 20 LOST KEYS SP 30 28 10 18 MONEY AND SECURITIES COVERAGE Inside the Premises Limit Outside the Premises Limit SP 30 24 12 21 NEWLY ACQUIRED OR CONSTRUCTED PROPERTY Newly Acquired or Constructed BI/EE Limit Newly Acquired or Constructed BPP Limit SP 30 39 10 18 NON -OWNED DETACHED TRAILERS SP 30 50 10 1 OFF -PREMISES UTILITY SERVICES - DIRECT DAMAGE SP 30 11 12 1b ORDINANCE OR LAW COVERAGE Increased Cost of Construction & Demolition Costs Limit Undamaged Part Limit SP 30 25 12 2'1 OUTDOOR PROPERTY SP 31 35 10 18 OUTDOOR SIGNS ON PREMISES SP 30 33 10 1 PAIRS OR SETS SP 30 53 10 18 PAVED SURFACES SP 30 09 10 1p PERSONAL EFFECTS SP 30 20 10 18 POLLUTANTS AND CONTAMINANTS CLEAN UP AND REMOVAL SP 30 10 10 16 PRESERVATION OF PROPERTY SP 30 26 10 18 PROPERTY OFF -PREMISES SP 30 34 10 18 SALESPERSONS SAMPLES SP 30 51 10 1 SPOILAGE Business Income Limit Waiting Period Form: SC 00 01110 18 LIMIT OF INSURANCE $250 per day, $5,000 per policy year $1,500 12 months $25,000 - ---------- -. 12 hours $2,500 $25,000 $1,000 $1,000 $10,000 $5,000 $250,000 $500,000 Included in STRETCH® Blanket Limit $10,000 $25,000 $25,000 $25,000 $10,000 Includedz $15,000 Included in STRETCH® Blanket Limit $15,000 45 days $25,000 $1,000 Included in STRETCH® Blanket Limit $10,000 12 hours 6 � Declarations: ITU Property Coverage Part CONTINUED FORM NUMBER SP 30 49 10 18 SP 30 44 10 18 SP 30 61 10 18 SP 30 48 10 18 SP30521018 FORM NAME SUMP OVERFLOW OR SUMP PUMP FAILURE THEFT DAMAGE TO BUILDING TRANSIT BUSINESS INCOME Limit Period of Restoration Waiting Period TRANSIT COVERAGE UNAUTHORIZED BUSINESS CARD USE SP 30 12 10 18 VALUABLE PAPERS AND RECORDS SP 30 35 10 18 VALUATION CHANGES: COMMODITY, FINISHED AND MERCANTILE STOCK SP 30 27 10 18 ' WATER DAMAGE, OTHER LIQUID, POWDER OR MOLTEN MATERIAL DAMAGE 2Included within Covered Property Limit(s) (Building and/or Business Personal Property) ALL OTHER PROPERTY FORMS L SP20081018 SP 00 00 10 18 PERILS SPECIFICALLY EXCEPTED SPECIAL PROPERTY COVERAGE FORM LIMIT OF INSURANCE $15,000 Included2 $10,000 12 months None $10,000 $2,500 Included in STRETCH® Blanket Limit Included within Covered Property Limit (Building and/or BPP) Included2 PROPERTY COVERAGE PREMIUM: $234* * Price is subject to fees and surcharges. For more details, refer to Page 11 Form: SC 00 01 10 18 7 Declarations: Business Liability Coverage Part Your policy includes the liability coverages listed below. The limits in the right-hand column show the maximum an5ount we'll pay. FORM NUMBER i FORM NAME SL 00 00 10 18 BUSINESS LIABILITY COVERAGE FORM Damage To Premises Rented To You Limit General Aggregate Limit Liability and Medical Expenses Limit Medical Expenses Limit Personal and Advertising Injury Limit Products -Completed Operations Aggregate Limit Property Damage Liability Deductible LIMIT OF INSURANCE $1,000,000 $2,000,000 $1,000,000 $10,000 $1,000,000 $2,000,000 No Deductible SL 30 43 10 1 ADDITIONAL INSURED - MANAGERS OR LESSORS OF PREMISES • SL 30 48 10 16 ADDITIONAL INSURED - OWNERS, LESSEES OR CONTRACTORS - SCHEDULED PERSON OR ORGANIZATION SL 30 40 10 16 ADDITIONAL INSURED - STATE OR GOVERNMENTAL AGENCY OR SUBDIVISION OR POLITICAL SUBDIVISION - PERMITS OR AUTHORIZATIONS SL 30 32 06 21 BLANKET ADDITIONAL INSURED BY CONTRACT SL 30 26 10 1 HIRED AUTO AND NON -OWNED AUTO LIABILITY Included in Business Liability Limit(s) ADDITIONAL INSUREDS SCHEDULES SL3040101 SL 30 48 10 1 SL3043101 ADDITIONAL INSURED - MANAGERS OR LESSORS OF PREMISES F6F LLC PO Box 9677, KALISPELL, MT 59904 N/A ADDITIONAL INSURED - STATE OR GOVERNMENTAL AGENCY OR SUBDIVISION OR POLITICAL SUBDIVISION - PERMITS OR AUTHORIZATIONS ADDITIONAL INSURED - OWNERS, LESSEES OR CONTRACTORS - SCHEDULED PERSON OR ORGANIZATION ALL OTHER BUSINESS LIABILITY FORMS Included' Included' City of Lowland Police Department N/A 810 E 10TH ST, LOVELAND, CO 80537 Monroe County 39 West Main Street Rm 200, ROCHESTER, NY 14614 SL 20 06 10 1 e EXCLUSION - NUCLEAR ENERGY LIABILITY SL 21 15 09 22 EXCLUSION - PERFLUOROALKYL AND POLYFLUOROALKYL SUBSTANCES (PFAS) N/A Form: SC 00 01 10 18 8 Declarations: t Business Liability Coverage Part CONTINUED ALL OTHER BUSINESS LIABILITY FORMS SL 20 78 10 18 SL01051018 EXCLUSION - SILICA - BUSINESS LIABILITY COVERAGE FORM COLORADO CHANGES - BUSINESS LIABILITY COVERAGE BUSINESS LIABILITY COVERAGE PREMIUM: $218* * Price is subject to fees and surcharges. For more details, refer to Page 11 Form: SC 00 01 10 18 9 Declarations: Other Liability Coverages Your policy �Iso includes the following additional liability Coverage Parts or polices. Please see the applicable Declaration form for details. DECLARATION FORM NUMBER SL 55 74 10 18 SL 50 00 10 18 SU00051018 COVERAGE NAME PREMIUM Employment Practices Liability Insurance Professional Liability Umbrella Declarations: Common Forms Included $1,413 $336 Your policy includes the Common Forms listed below. These forms apply to all Coverage Parts on your policy. FORM NUMBER I FORM NAME SC 01 05 10 1 COLORADO CHANGES - COMMON POLICY CONDITIONS SC 00 00 10 18 COMMON POLICY CONDITIONS SC 00 01 10 18 DECLARATIONS: BUSINESS OWNER'S POLICY SC 70 00 12 2p DISCLOSURE - CAP ON LOSSES - TERRORISM RISK INSURANCE ACT G-4190-0 FRAUD NOTICE IH12050221 GOODS AND SERVICES ENDORSEMENT SC 50 64 06 2 IMPORTANT NOTICE TO POLICYHOLDER'S SC 50 46 10 18 IMPORTANT PORTANT NOTICE TO POLICYHOLDERS G-3027 IMPORTANT NOTICE TO POLICYHOLDERS - DISCOUNTS APPLIED TO YOUR POLICY PREMIUM SC 50 1010 16 IMPORTANT NOTICE TO POLICYHOLDERS - REDUCTION IN COVERAGE SC 90 04 10 13 IMPORTANT NOTICE TO POLICYHOLDERS THE HARTFORD CYBER CENTER WEBSITE ACCESS 100722 INSURANCE POLICY BILLING INFORMATION SC 50 31 10 18 PRODUCER COMPENSATION NOTICE SC 00 12 10 18 SPECTRUM BUSINESS OWNER'S POLICY JACKET SC 90 16 10 1$ TRADE OR ECONOMIC SANCTIONS ENDORSEMENT SC 90 15 10 18 US DEPARTMENT OF THE TREASURY, OFFICE OF FOREIGN ASSETS CONTROL (OFAC) ADVISORY NOTICE TO POLICYHOLDERS Form: SC 00 01 10 18 10 Declarations: �� Other Charges States laws and regulations may require you to pay taxes, fees, surcharges or other costs. We've listed those charges below DESCRIPTION COST Other Premiums Policy Base Premium Terrorism Premium Fees, Surcharges and Taxes Colorado Hazard Mitigation Fee Form: SC 00 01 10 18 $240 $21 2 11 THE HARTFORD IMPORTANT NOTICE TO POLICYHOLDERS Discounts A plied to Your Policy Premium Thank you for choosing The Hartford for your business insurance needs. You are receiving this Notice because you purchased a business owner's policy from The Hartford, your Policy was issued by The Hartford writing company identified on your policy Declarations page. The following crediis and discounts have been applied to your policy. o Your protective device — a sprinkler system - earned you a discount. G-3027 Page 1 of 1 © 2022 The Hartford /p% Declarations: Professional Liability Coverage Part NOTICE: COVERAGE APPLIES ONLY TO CLAIMS FIRST MADE AGAINST THE INSURED DURING THE POLICY PERIOD OR APPLICABLE EXTENDED REPORTING PERIOD AND WHICH HAVE BEEN REPORTED TO US IN ACCORDANCE WITH THE APPLICABLE NOTICE PROVISIONS. THE LIMITS OF LIABILITY AVAILABLE TO PAY DAMAGES SHALL BE REDUCED BY AMOUNTS INCURRED AS CLAIMS EXPENSES. THE DEDUCTIBLE IS APPLICABLE TO CLAIMS EXPENSES AND DAMAGES. PLEASE READ THE ENTIRE POLICY CAREFULLY AND DISCUSS THE COVERAGE WITH YOUR INSURANCE AGENT OR BROKER. This Declarations Page, with Common Policy Conditions, Professional Liability Coverage Form and Endorsements, if any, issued to form a part thereof, shall together constitute this Professional Liability Coverage Part which in turn forms a part of the Policy Number shown below. The Nuclear Energy Liability Exclusion (Form SL 20 06) of the Policy to which this Coverage Part is attached also applies to this Coverage Part. Policy Number: 10 SBA AS2FZM Policy Period Effective Date: 04/20/2025 Expiration Date: 04/20/2026 12:01 A.M., Standard time at the address of the named insured as stated herein. Insurer: Hartford Underwriters Insurance Company One Hartford Plaza, Hartford, CT 06155 Named Insured and Mailing Address: Transcription Outsourcing, LLC DBA Ditto Transcripts 3801 E Florida Ave Suite 500 DENVER, CO 80210 Named Insured Is: Transcription Outsourcing, LLC DBA Ditto Transcripts PREMIUM: $1,413 This Spectrum® Business Owner's Policy consists of the Declarations, Coverage Forms, Coverage Parts, Common Policy Conditions and any other Forms and endorsements issued to be a part of the Policy. The Hartford® is Hartford Fire Insurance Company and its affiliated property and casualty insurance companies. CONTINUED Form: SL 50 00 10 18 Process Date: 03/11/2025 Policy Expiration Date: 04/20/2026 tr* Declarations: Professional ("4° Liability Coverage Part CONTINUED POLICY PERIOD EFFECTIVE DATE: 04/20/2025 EXPIRATION DATE: 04/20/2026 12:01 A.M.,,tandard time at the address of the named insured as stated herein. LIMITS OF LIABILITY INSURANCE EACH CLAIM LIMIT: $2,000,000 AGGREGA E LIMIT: $2,000,000 CLAIM EXPENSE EACH CLAIM LIMIT: $No Coverage CLAIM EXPENSE AGGREGATE LIMIT: $No Coverage SUBPOENA ASSISTANCE CLAIM EXPENSE SUB -LIMIT: $25,000 DISCIPLINARY PROCEEDINGS CLAIM EXPENSE SUB -LIMIT: $25,000 RETROACTIVE DATE: 04/20/2022 DEDUCTIBLE: $1,000 Each Claim Deductible If no date is ntered, the Retroactive Date is the same as the effective dat of this Coverage Part. Form Numbeirs of Forms and Endorsements that apply: FORM NUMER FORM NAME SC 00 00 10 18 COMMON POLICY CONDITIONS SL 20 06 10 18 EXCLUSION - NUCLEAR ENERGY LIABILITY SL 50 00 10 18 PROFESSIONAL LIABILITY DECLARATIONS SL 50 45 10 18 PROFESSIONAL LIABILITY COVERAGE FORM SL 50 53 10 18 PROFESSIONAL SERVICES ENDORSEMENT - STENOGRAPHIC SERVICES SL 50 02 10 18 COLORADO AMENDATORY ENDORSEMENT - PROFESSIONAL LIABILITY Countersigned by: uea, or CGZa Authorized Representative Form: SL 50 00 10 18 Process Date: 03/11/2025 Policy Expiration Date: 04/20/2026 2 03/11/2025 Date ��Declarations: Employment Practices Liability Coverage Part COVERAGE PROVIDED BY THIS COVERAGE PART IS CLAIMS MADE COVERAGE. EXCEPT AS OTHERWISE SPECIFIED HEREIN: COVERAGE APPLIES ONLY TO A CLAIM FIRST MADE AGAINST THE INSUREDS DURING THE POLICY PERIOD AND WHICH HAS BEEN REPORTED TO US IN ACCORDANCE WITH THE APPLICABLE NOTICE PROVISIONS. COVERAGE IS SUBJECT TO THE INSURED'S PAYMENT OF THE APPLICABLE DEDUCTIBLE. PAYMENTS OF CLAIM EXPENSES ARE SUBJECT TO, AND REDUCE, THE AVAILABLE LIMITS OF LIABILITY. PLEASE READ THE COVERAGE PART CAREFULLY AND DISCUSS THE COVERAGE WITH YOUR INSURANCE AGENT OR BROKER. UPON TERMINATION OF THIS COVERAGE PART, EXTENDED REPORTING PERIOD COVERAGE IS AVAILABLE. This Declarations Page, with Common Policy Conditions, Employment Practices Liability Coverage Form and Endorsements, if any, shall together constitute this Employment Practices Liability Coverage Part, which in turn forms a part of the Policy Number shown below. The Nuclear Energy Liability Exclusion (Form SL 20 06) of the Policy to which this Coverage Part is attached also applies to this Coverage Part. Policy Number: 10 SBA AS2FZM Policy Period Effective date: 04/20/2025 Expiration date: 04/20/2026 12:01 A.M., Standard time at the address of the named insured as stated herein. 12 noon in New Hampshire. Insurer: Hartford Underwriters Insurance Company One Hartford Plaza, Hartford, CT 06155 Named Insured and Mailing Address: Transcription Outsourcing, LLC DBA Ditto Transcripts 3801 E Florida Ave Suite 500 DENVER, CO 80210 PREMIUM: Included This Spectrum® Business Owner's Policy consists of the Declarations, Coverage Forms, Coverage Parts, Common Policy Conditions and any other Forms and endorsements issued to be a part of the Policy. The Hartford® is Hartford Fire Insurance Company and its affiliated property and casualty insurance companies. Form: SL 55 74 10 18 Process Date: 03/11/2025 Policy Expiration Date: 04/20/2026 ••• CONTINUED Declarations: Employment Practices Liability Coverage Part POLICY PERIOD EFFECTIVE DATE: 04/20/2025 EXPIRATION DATE: 04/20/2026 12:01 A.M., Standard time at the address of the named insured as stated herein. Exception: 12 noon in New Hampshire. LIMITS OF LIABILITY EACH CLAIM LIMIT: $25,000 ANNUAL AGGREGATE LIMIT: $25,000 RETROACTIVE DATE: 04/20/2022 If no date Ns entered, the Retroactive Date is the same as the effective date of this Coverage Part. DEDUCT! LE: None Form Numbrs of Forms and Endorsements that apply: FORM NUMBER SL 55 39 10 18 SL55021 18 SL55371 18 SL55361 18 SL55741 18 SL 55 63 10 18 SL 55 26 10 18 SL 55 34 10 18 Countersign d by: FORM NAME COLORADO CHANGES - EMPLOYMENT PRACTICES LIABILITY EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM (CLAIMS MADE) RETROACTIVE DATE ENDORSEMENT - EMPLOYMENT PRACTICES LIABILITY THIRD PARTY LIABILITY ENDORSEMENT - EMPLOYMENT PRACTICES LIABILITY DECLARATIONS - EMPLOYMENT PRACTICES LIABILITY COVERAGE PART IMPORTANT NOTICE TO POLICYHOLDERS - COLORADO DISCLOSURE NOTICE CLAIMS MADE COVERAGE PART (EMPLOYMENT PRACTICES LIABILITY) COLORADO CHANGES - EMPLOYMENT PRACTICES LIABILITY INSURANCE WAGE AND HOUR CLAIMS EXPENSES - EMPLOYMENT PRACTICES LIABILITY cI' Authorized Representative Form: SL 55 74 10 18 Process Date: 03/11/2025 Policy Expiration Date: 04/20/2026 2 03/11/2025 Date THE HARTFORD Declarations: Umbrella Liability L Supplemental Policy This Declarations Page, with the Umbrella Liability Supplemental Policy Form and Supplemental Policy endorsements, if any, shall together constitute this Umbrella Liability Supplemental Policy, also referred to as "Supplemental Policy". The Supplemental Policy in turn forms a part of the Policy Number shown below. None of the provisions of the Policy to which this Supplemental Policy is attached applies to the Umbrella Liability Insurance provided hereunder, unless otherwise specified in this Supplemental Policy. Policy Number: 10 SBA AS2FZM Policy Period Effective Date: 04/20/2025 Expiration Date: 04/20/2026 12:01 A.M., Standard time at the address of the named insured as stated herein. Insurer: Hartford Underwriters Insurance Company One Hartford Plaza, Hartford, CT 06155 Named Insured and Mailing Address: Transcription Outsourcing, LLC DBA Ditto Transcripts 3801 E Florida Ave Suite 500 DENVER, CO 80210 Named Insured Is: Transcription Outsourcing, LLC DBA Ditto Transcripts PREMIUM: $336 CONTINUED Form: SU 00 05 10 18 Process Date: 03/11/2025 Policy Expiration Date: 04/20/2026 Declarations: Umbrella Liability Supplemental Policy CONTINUED POLICY PERIOD EFFECTIVE DATE: 04/20/2025 EXPIRATION DATE: 04/20/2026 12:01 A.M., Standard time at the address of the named insured as stated herein. LIMITS OF INSURANCE The Limits of Insurance subject to all the terms of this Supplemental Policy that apply are: EACH OCCURRENCE LIMIT: $1,000,000 GENERAL 4GGREGATE LIMIT: $1,000,000 (Other than roducts - Completed Operations, Bodily Injury By Disease and Automobile) PRODUCTS -COMPLETED OPERATIONS AGGREGATE LIMIT: $1,000,000 BODILY INJURY BY DISEASE AGGREGATE LIMIT: $1,000,000 SELF INSURED RETENTION: $10,000 Each Occurrence Schedule of Underlying Insurance See Attached Extension Schedule of Underlying Insurance Form Numb�rs of Forms and Endorsements that apply: FORM NUM ER SU20101018 SU20091018 SU 20 01 10''18 SU20001018 SU01051018 SU 00 05 10 18 SU00031018 SU30081018 SU21090323 SU 00 02 10 18 SU20701018 SU 00 00 12:19 FORM NAME EXCLUSION - CARE, CUSTODY OR CONTROL OF REAL PROPERTY EXCLUSION - CARE, CUSTODY OR CONTROL OF PERSONAL PROPERTY EXCLUSION - SILICA ABSOLUTE LEAD EXCLUSION AMENDMENT OF UMBRELLA CONDITIONS - COLORADO UMBRELLA LIABILITY SUPPLEMENTAL POLICY DECLARATIONS PAGE EXTENSION SCHEDULE OF UNDERLYING INSURANCE FOLLOWING FORM ENDORSEMENT - AUTOMOBILE LIABILITY FOLLOWING FORM ENDORSEMENT - PERFLUOROALKYL AND POLYFLUOROALKYL SUBSTANCES (PFAS) BLANKET ADDITIONAL INSURED BY CONTRACT - UMBRELLA EXCLUSION - PROFESSIONAL LIABILITY UMBRELLA LIABILITY SUPPLEMENTAL POLICY Form: SU 00 05 10 18 Process Date: 08/11/2025 Policy Expiration) Date: 04/20/2026 2 THE` ' HARTFORD 4110ki CONTINUED Declarations: Umbrella Liability Supplemental Policy Countersigned by: Countersigned by: Countersigned by: Form: SU 00 05 10 18 Process Date: 03/11/2025 Policy Expiration Date: 04/20/2026 Authorized Representative Kevin Barnett, Secretary l� 03/11/2025 Date 03/11/2025 Date 03/11/2025 A. Morris Tooker, President Date 3 THE ;'`,, HARTFORD EXTENSI N SCHEDULE OF UNDERL�(INGINSURANCE THE HARTFORD This extension schedule forms a part of the Supplemental Policy. An "X" marked in a box indicates the corresponding coverage is provided in the "underlying insurance". Please note the Maintenance Of Underlying Insurance condition in the Umbrella Liability Supplemental Policy. A. (X) Business Liability Carrier, Policy Number and Policy Period: Hartford Underwriters Insurance Company 10 SBA AS2FZM 04/20/2025 To 04/20/2026 Type of Coverage Applicable Limits (X) Liability and Medical Expenses (X) Personal and Advertising Injury (X) Products/Completed Operations Aggregate (X) Genera Aggregate (X) Damages To Premises Rented To You (X) Hired Auto and Non -Owned Auto Liability B. () Liquor Liability Carrier, Poli7 Number and Policy Period: Type of Coverage Liquor Liability $1,000,000 $1,000,000 $2,000,000 $2,000,000 $1,000,000 Per Occurrence Per Person/Organization Aggregate Aggregate Any One Premises Applicable Limits Form SU 00 03 10 18 Page 1 of 4 Process Date: 93/11/2025 © 2018, The Hartford Policy Expiration Date: 04/20/2026 May include copyrighted material of Insurance Services Office, Inc., with its permission) EXTENSION SCHEDULE OF UNDERLYING INSURANCE (Continued) POLICY NUMBER: 10 SBA AS2FZM C. ( ) Comprehensive Automobile Liability Carrier, Policy Number and Policy Period: () Owned Autos Type of Coverage () Non -Owned Autos Applicable Limits Bodily Injury Liability Property Damage Liability THE HARTFORD ( ) Hired Autos Each Person Each Accident Each Accident Bodily Injury and Property Damage Liability Combined Each Person Each Accident Type of Coverage () Uninsured Motorist ( ) Underinsured Motorist Applicable Limits Each Accident Each Occurrence Each Person Each Accident Form SU 00 03 10 18 Page 2 of 4 Process Date: 03/11/2025 © 2018, The Hartford Policy Expiration Date: 04/20/2026 (May include copyrighted material of Insurance Services Office, Inc., with its permission) EXTENSION SCHEDULE OF UNDERLYING INSURANCE (Continued) POLICY NUMBER: 10 SBA AS2FZM D. () Employdr's Liability Carrier, Pol cy Number and Policy Period: Type of Coverage Applicable Limits Employes Liability THE HARTFORD Each Accident* Each Employee by Disease* Total Policy by Disease* *In any jurisdiction where the amount of Employers Liability Coverage afforded by the underlying insurer is by law unlimited, the lirinit stated does not apply and the policy of which this extension schedule forms a part shall afford no insurance with respect to Employers Liability in such jurisdiction. Form SU 00 03 10 18 Page 3 of 4 Process Date: 03/11/2025 © 2018, The Hartford Policy Expiration Date: 04/20/2026 (May include copyrighted material of Insurance Services Office, Inc., with its permission) EXTENSION SCHEDULE OF UNDERLYING INSURANCE (Continued) POLICY NUMBER: 10 SBA AS2FZM E. ( ) Foreign Liability Carrier, Policy Number and Policy Period: Type of Coverage Applicable Limits 0 ) Foreign Commercial General Liability () () () () () () Liability and Medical Expenses Personal And Advertising Injury Products/Completed Operations Aggregate General Aggregate Damages To Premises Rented To You Foreign Contingent Auto Liability Foreign Employers Liability THE HARTFORD Per Occurrence Per Person/Organization Aggregate Aggregate Any One Premises Each Accident Each Accident* Each Employee by Disease* Total Policy by Disease* *In any jurisdiction where the amount of Employers Liability Coverage afforded by the underlying insurer is by law unlimited, the limit stated does not apply and the policy of which this extension schedule forms a part shall afford no insurance with respect to Employers Liability in such jurisdiction. Form SU 00 03 10 18 Page 4 of 4 Process Date: 03/11/2025 © 2018, The Hartford Policy Expiration Date: 04/20/2026 (May include copyrighted material of Insurance Services Office, Inc., with its permission) THE HARTFORD IMPORTANT NOTICE TO POLICYHOLDERS To help your insurance keep pace with increasing costs, we have increased your amount of insurance ... giving you better protection in case of either a partial, or total loss to your property. If you feel the nevi amount is not the proper one, please contact your agent or broker. Form SC 50 4610 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) Page 1 of 1 THE HARTFORD SPECIAL PROPERTY COVERAGE FORM SPECIAL PROPERTY COVERAGE FORM READ YOUR POLICY CAREFULLY QUICK REFERENCE Beginning on Page A. COVERAGES Covered Property Property Not Covered Covered Causes of Loss Limitations Additional Coverages Coverage Extensions B. EXCLUSIONS C. LIMITS OF INSURANCE D. DEDUCTIBLES E. PROPERTY LOSS CONDITIONS Abandonment Appraisal Duties in the Event of Loss or Damage Legal Action Against Us Loss Payment Recovered Property Salvage Vacancy F. PROPERTY GENERAL CONDITIONS Control of Property Mortgage Holders No Benefit to Bailee Other Insurance Policy Period, Coverage Territory Transfer Of Rights of Recovery Against Others To Us 1 2 2 2 3 3 3 9 10 10 10 10 10 11 11 13 14 14 14 14 14 15 15 15 15 G. PROPERTY DEFINITIONS 16 Form SP 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THE` HARTFORD SPECIAL PROPERTY COVERAGE FORM Various provisions in this Policy restrict coverage. Read the entire Policy carefully to determine rights, duties, and what is and is not covered. Throughout this Colverage Part the words "you" and "your" refer to the Named Insured shown in the Declarations. The words "we," "us" and "our" refer to the Company providing this insurance. "Policy period", as used in this Coverage Part, means the period from the effective date of this Coverage Part to the expiration date of the Coverage Part as stated in the Declarations or the date of cancellation, whichever is earlier. Other words and phrases that appear in quotation marks have special meaning. Refer to Section G., PROPERTY DEFINITIONS. A. COVERAGE We will pay for direct physical loss of or direct physical damage to Covered Property at the premises described in the Declarations (a so called "scheduled premises" in this Coverage Part) caused by or resulting from a Covered Cause of Loss. 1. Covered Property Covered Property as used in this Coverage Part, means the following types of property for which a Limit of Insurance i shown in the Declarations: Buildings, meaning the building(s) and structure(s) described in the Declarations, including: (1) Completed additions; (2) Fixtures, including outdoor fixtures; (3) Permanently installed: (a) Machinery; and (b) Equipment; (4) Your personal property in apartments, rooms or common areas furnished by you as landlord; (5) Bulding Glass, meaning glass that is part of a building or structure; (6) Personal property owned by you that is used to maintain or service the buildings or structures on the premises, including: (a) (b) (c) (d) (7) If n (a) Fire extinguishing equipment; Outdoor furniture; Floor coverings; and Appliances used for refrigerating, ventilating, cooking, dishwashing or laundering; it covered by other insurance: Additions under construction, alterations and repairs to the buildings or structures; (b) Materials, equipment, supplies and temporary structures, on or within 1,000 feet of the "scheduled premises", used for making additions, alterations or repairs to the buildings or structures. b. Busin ss Personal Property located in or on the building(s) or structure(s) described in the Declarations at the "scheduled premises" or in the open (or in a vehicle) within 1,000 feet of the building(s) or structure(s) or within 1,000 feet of the "scheduled premises", whichever distance is greater, including: (1) Property you own that is used in your business; (2) Tools and equipment owned by your "employees", which are used in your business "operations"; (3) Property of others that is in your care, custody or control; (4) "Tbnant improvements and betterments"; (5) Le sed personal property for which you have contractual responsibility to insure, unless otherwise provided for under this Coverage Part; and Form SP 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) Page 1 of 19 THE HARTFORD (6) Exterior building glass, if you are a tenant and no Limit of Insurance is shown in the Declarations for Building property. The glass must be owned by you or in your care, custody or control and for which the lease holds you responsible. 2. Property Not Covered Covered Property does not include: a. Aircraft (including "unmanned aircraft", other than "unmanned aircraft" held for sale); b. Automobiles, motortrucks and other vehicles subject to motor vehicle registration; c. Automobiles held for sale; d. Trailers or semi -trailers except as otherwise provided for in this Coverage Part; e. "Money", bank notes and "securities", except as otherwise provided in this Coverage Part; f. Contraband, or property in the course of illegal transportation or trade; g. Land, whether or not resurfaced with stone, gravel or similar layer or a paved surface, (including land on which the property is located), land improvements, water (including water that is natural, metered water that is purchased from a utility company or other supplier, water that is located within a swimming pool, and/or bulk containerized water which is used for a fire suppression system. This does not include containerized water that is "stock"), growing crops, standing timber or lawns (other than lawns which are part of a vegetated roof); h. Outdoor fences, radio or television antennas (including satellite dishes), including their lead-in wiring, masts or towers, signs (other than signs attached to buildings), trees, shrubs or plants (other than "stock" of trees, shrubs or plants or trees, shrubs or plants which are sold but not delivered or which are part of a vegetated roof), except as otherwise provided for in this Coverage Part; i. Watercraft (including motors, equipment and accessories) while afloat; j. "Valuable papers and records" (including the cost to research, replace or restore the information on "valuable papers and records"), except as otherwise provided for in this Coverage Part; k. "Electronic data" (including the cost to research, replace or restore "electronic data") except as otherwise provided for in this Coverage Part. This Paragraph k. does not apply to your "stock" of prepackaged software; I. Accounts, bills, food stamps, other evidences of debt or accounts receivable, except as otherwise provided for in this Coverage Part; m. "Computer(s)" which are permanently installed in aircraft, watercraft, motor truck, or other vehicles subject to motor vehicle registration; Live eggs, embryos and cells; Animals, unless owned by others and boarded by you, or if owned by you, only as "stock" while inside of buildings, except as otherwise provided for in this Coverage Part; and Property that is more specifically covered, insured or described elsewhere within this Coverage Part or in any other policy, except for the excess of the amount due (whether you can collect on it or not) from other insurance. 3. Covered Causes of Loss Covered Cause of Loss means direct physical loss or direct physical damage unless the loss or damage is excluded or limited in this Coverage Part. 4. Limitations a. We will not pay for loss of or damage to: (1) Property that is missing, where the only evidence of the loss or damage 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 to a person or to a place outside the "scheduled premises" on the basis of unauthorized instructions, except as otherwise provided for in this Coverage Part; or (3) The interior of any building or structure, or to 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: P. Form SP 00 00 10 18 Page 2 of 19 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THE HARTFORD (a) The building or structure first sustains physical damage by a Covered Cause of Loss to its roof or walls through which the rain, snow, sleet, ice, sand or dust enters; or (b) The loss or damage is caused by or results from thawing of snow, sleet, or ice on the building or structure. b. Pets and animals are covered only if they are: (1) Stolen; or (2) Their destruction is made necessary by or are killed by a "specified cause of loss". For direct physical loss or direct physical damage by theft, the following types of property are covered only up to the limits shown: (1) $2,500 for furs, fur garments and garments trimmed with fur; (2) $5,000 for jewelry, watches, watch movements, jewels, pearls, precious and semi-precious stones, bullion, gold, silver, platinum and other precious alloys or metals. This limit does not apply to jewelry and watches worth $500 or less per item; (3) $2 500 for patterns, dies, molds and forms; and (4) $500 for stamps, lottery tickets held for sale and letters of credit. d. We wil not pay for loss or damage to lawns, trees, shrubs or plants which are part of a vegetated roof, caused by or resulting from: (1) Datnpness or dryness of atmosphere or of soil supporting the vegetation; (2) Changes in or extremes of temperature; (3) Frost or hail; or (4) Ra'n, snow, ice or sleet. The most we will pay for direct physical loss or direct physical damage to outdoor signs attached to buildings is $5,000 per sign in any one occurrence. 5. Additional Coverages Additional Coverages may be attached to this Coverage Part by endorsement and would be shown in the Declarations. Unless otherwise stated, the Limits of Insurance available under these Additional Coverages are subject to 9nd not in addition to the Limits of Insurance in this Coverage Form. 6. Coverage Extensions Coverage Extensions may be attached to this Coverage Part by endorsement and would be shown in the Declarations. Unless otherwise stated, the Limits of Insurance available under these Coverage Extensions are in addition to the Limits of Insurance in this Coverage Form. B. EXCLUSIONS 1. We will not pay for loss or damage caused directly or indirectly by any of the following. Such loss or damage is excluded regardless of any other cause or event that contributes concurrently or in any sequence to the loss. These exclusions apply whether or not the loss event results in widespread damage or affects a substantial area. a. Earth F lovement (1) Earthquake, meaning a shaking or trembling of the earth's crust, including tremors and aftershocks, resulting in breaking, shifting, rising, settling, sinking or lateral movement; (2) La dslide, including any earth sinking, rising or shifting related to such event; (3) Mi a subsidence, meaning subsidence of a man-made mine, whether or not mining activity has ceased; (4) Ea�h sinking (other than sinkhole collapse), rising or shifting including soil conditions which cause settling, cracking or other disarrangement of foundations or other parts of realty. Soil conditions include contraction, expansion, freezing, thawing, erosion, improperly compacted soil, and the action of water under the ground surface; Form SP 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) Page 3 of 19 THE" HARTFORD But if Earth Movement, as described in Paragraphs (1) through (4) above, results in fire or explosion damage to Covered Property, we will pay for the physical loss or physical damage to Covered Property caused by that fire or explosion. (5) Volcanic eruption, explosion or effusion. But if volcanic eruption, explosion or effusion results in fire or volcanic action damage to Covered Property, we will pay for the physical loss or physical damage caused by that fire or volcanic action. Volcanic action means direct physical loss or direct physical damage resulting from the eruption of a volcano when the direct physical loss or direct physical damage is caused by: (a) Airborne volcanic blast or airborne shock waves; (b) Ash, dust, or particulate matter; or (c) Lava flow. With respect to coverage for volcanic action as set forth in 5(a) through 5(c) above, all volcanic eruptions that occur within any 168 -hour period will constitute a single occurrence. Volcanic action does not include the cost to remove ash, dust, or particulate matter that does not cause direct physical loss or direct physical damage to Covered Property. This Exclusion applies regardless of whether any of the above, in Paragraphs (1) through (5), is caused by weather, an act of nature or by an artificial, man-made or other cause. b. Governmental Action Seizure or destruction of property by order of governmental authority. But we will pay for direct physical loss or direct physical damage to Covered Property caused by or resulting from acts of destruction ordered by governmental authority and taken at the time of a fire to prevent its spread, if the fire would be covered under this Coverage Part. c. Nuclear Hazard (1) Nuclear reaction, nuclear radiation or radioactive contamination, however caused, whether intentional or unintentional. This includes, but is not limited to, the release, dispersal or application of radioactive material, or the use of a nuclear weapon or device that involves or produces a nuclear reaction, nuclear radiation or radioactive contamination or radioactive force. (2) When state standard fire policy law requires that we cover any resulting fire damage, we will pay only for the resulting damage to Covered Property caused by that resulting fire, if the fire would be covered under this Coverage Part. We will pay only the actual cash value for the damaged property. Therefore, we will not pay for any indirect or related loss(es), such as Business Income, Extra Expense, legal liability, or leasehold interest loss(es). d. Utility Services The failure of "communication supply services", "power supply services", "wastewater removal services", "water supply services" or other utility service supplied to the "scheduled premises", however caused, if the failure: (1) Originates away from the "scheduled premises"; or (2) Originates at the "scheduled premises" but only if such failure involves equipment used to supply the utility service to the "scheduled premises" from a source away from the "scheduled premises". Failure of any utility service includes lack of sufficient capacity and reduction in supply necessary to maintain normal "operations". But if physical loss or physical damage to Covered Property by a Covered Cause of Loss results, we will pay for that resulting physical loss or physical damage. War and Military Action (1) War, including undeclared or civil war; (2) Hostile or warlike action, in time of peace or war, including action in hindering, combating or defending against an actual or expected attack, by any of the following: Form SP 00 00 10 18 Page 4 of 19 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) MTHE HARTFORD (a) Government or sovereign power (including quasi and de facto forms), or by any authority maintaining or using military, naval or air forces; (b) Military, naval or air forces; or (c) An agent of such government, power, authority or forces. (3) Invasion, insurrection, rebellion, revolution, usurped power, or action taken by governmental authority in hindering, combating or defending against such actual or expected event by any government, power, authority, forces or agents described in Paragraphs (2)(a) through (2)(c) above. f. Water (1) Fldod, surface water, waves (including tidal waves and tsunami), tides, tidal water, overflow of streams or any other natural or man-made bodies of water, or spray from any of these, all whether or not driven by wirid (including storm surge); (2) MUdslide or mudflow; (3) Water or sewage that backs up or overflows or is otherwise discharged from a sewer, drain, sump, sump pump or related equipment; (4) Water under the ground surface pressing on, or flowing or seeping through: (a); Foundations, walls, floors or paved surfaces; (b)I, Basements, whether paved or not; or (c) Doors, windows or other openings; (5) Waterborne material carried or otherwise moved by any of the water referred to in Paragraphs (1), (3) or (4); or material carried or otherwise moved by mudslide or mudflow. But if any of the above in Paragraphs (1) through (5), results in fire, explosion or sprinkler leakage damage to Covered Property, we will pay for the direct physical loss or direct physical damage caused by that fire, explosion or sprinkler leakage. (6) Water damage caused by or resulting from earthquake or volcanic eruption as described in Exclusion 14, Earth Movement. This Exclusion applies regardless of whether any of the above, in Paragraphs (1) through (6), is caused by an act of nature or by an artificial, man-made or other cause. g. "Fungi", Wet Rot or Dry Rot Presence, growth, proliferation, spread or any activity of "fungi", wet rot or dry rot. But if "fungi", wet rot or dry rot results in a "specified cause of loss" to Covered Property, we will pay for the loss orldamage caused by the "specified cause of loss". This exclusion does not apply when "fungi", wet rot or dry rot results from fire or lightning. h. Virus or Bacteria (1) Any virus, bacterium or other microorganism that induces or is capable of inducing physical distress, illneess or disease. (2) With respect to any loss or damage subject to the exclusion in Paragraph (1) above, such exclusion supersedes any exclusion relating to "pollutants and contaminants". i. Ordinance Or Law (1) The enforcement of or compliance with any ordinance or law: (a) Regulating the construction, use or repair of any property; or (bi Requiring the tearing down of any property, including the cost of removing its debris. (2) Th`s exclusion applies whether the loss results from: (a) An ordinance or law that is enforced even if the property has not been damaged; or (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. Form SP 00 00 10 18 Page 5 of 19 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THE HARTFORD 1. Electronic Vandalism or Corruption of "Electronic Data" or Corruption of "Computer(s)" (1) Destruction or corruption of "electronic data" caused by virus, malicious code or similar instruction introduced into or enacted on a "computer" system (including "electronic data") or a network to which it is connected, designed to destroy or corrupt "electronic data"; (2) Unauthorized viewing, copying or use of "electronic data" (or any proprietary or confidential information or intellectual property in any form) by any person, even if such activity is characterized as theft; (3) Manipulation of your "computer" system including "electronic data" by any person(s), for the purpose of diverting or destroying "electronic data" or causing fraudulent or illegal transfer of any property; (4) Interruption in normal "computer" function on network service or function due to insufficient capacity to process transactions or to an overload of activity on the system or network; (5) Unexplained or indeterminable failure, malfunction or slowdown of a "computer" system, including "electronic data" or the inability to access or properly manipulate the "electronic data"; (6) Complete or substantial failure, disablement or shutdown of the internet, regardless of cause; (7) The inability of a "computer" system to correctly recognize, process, distinguish, interpret or accept one or more dates or times. But if direct physical loss or direct physical damage occurs to Covered Property from a resulting Covered Cause of Loss, we will pay for that resulting direct physical loss or direct physical damage. Mere loss of use or loss of functionality of any property is not considered physical loss or physical damage 2. We will not pay for loss or damage caused by or resulting from: a. Electrical Apparatus (1) Artificially generated electrical, magnetic or electromagnetic energy that damages, disturbs, disrupts or otherwise interferes with any: (a) Electrical or electronic wire, device, appliance, system or network; or (b) Device, appliance, system or network utilizing cellular or satellite technology. (2) For the purpose of this exclusion, electrical, magnetic or electromagnetic energy includes but is not limited to: (a) Electrical current, including arcing; (b) Electrical charge produced or conducted by a magnetic or electromagnetic field; (c) Pulse of electromagnetic energy; or (d) Electromagnetic waves or microwaves. But if fire damage to Covered Property results, we will pay for the direct physical loss or direct physical damage caused by fire. (3) We will pay for loss or damage to "computer(s)" due to artificially generated electrical, magnetic or electromagnetic energy if such loss or damage is caused by or results from: (a) An occurrence that took place within 1,000 feet of the "scheduled premises"; or (b) Interruption of electric power supply, power surge, blackout or brownout if the cause of such occurrence took place within 1,000 feet of the "scheduled premises". b. Consequential Losses Delay, loss of use or loss of market. Smoke, Vapor, Gas Smoke, vapor or gas from agricultural smudging or industrial operations. d. Steam Apparatus Explosion of steam boilers, steam pipes, steam engines or steam turbines owned or leased by you, or operated under your control. But if explosion of steam boilers, steam pipes, steam engines or steam turbines results in fire or combustion explosion damage to Covered Property, we will pay for the direct physical loss or direct physical damage caused by that fire or combustion explosion. We will also pay for direct physical loss or direct physical damage to Covered Property caused by or resulting from the explosion of gases or fuel Form SP 00 00 10 18 Page 6 of 19 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) HARTFORD within the furnace of any fired vessel or within the flues or passages through which the gases of combustion pass. Other Types of Loss (1) Wear and tear; (2) Rust, corrosion, decay, deterioration, hidden or latent defect or any quality in property that causes it to damage or destroy itself; (3) Smog; (4) Settling, cracking, shrinking or expansion; (5) Nesting or infestation, or discharge or release of waste products or secretions, by insects, birds, rodents, mold, spore or other animals; (6) Mechanical breakdown, including rupture or bursting caused by centrifugal force. Th s exclusion does not apply with respect to the breakdown of "computer(s)"; (7) Thfollowing causes of loss to personal property: (a) Dampness or dryness of atmosphere; (b) Changes in or extremes of temperature; or (c)Marring or scratching. But if II- 1irect physical loss or direct physical damage to Covered Property by a "specified cause of loss" or building glass breakage results, we will pay for that resulting direct physical loss or direct physical damage. f. Frozen Plumbing Water, other liquids, 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: (1) Yolu use all reasonable means to maintain heat in the building or structure; or (2) You drain the equipment and shut off the supply if the heat is not maintained. g. Dishonesty Dishonest or criminal act (including theft) by you, anyone else with an interest in the property, any of your or their p rtners, "members", officers, "managers", "employees", directors, trustees, authorized representatives or any ne to whom you entrust the property for any purpose whether acting alone or in collusion with any other arty. This a clusion: (1) Ap lies whether or not an act occurs during your normal hours of "operation"; (2) Does not apply to acts of destruction by your "employees" or authorized representatives; but theft by your "employees" or authorized representatives is not covered. With aspect to accounts receivable and "valuable papers and records", this exclusion does not apply to carriers for hire. h. 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. i. Exposed Property Rain, now, ice or sleet to personal property in the open. j. Collapse (1) Collapse, including any of the following conditions of property or any part of the property: (a) An abrupt falling down or caving in; (b) Loss of structural integrity, including separation of parts of the property or property in danger of falling down or caving in; or (c) Any cracking, bulging, sagging, bending, leaning, settling, shrinkage or expansion as such condition relates to Paragraph (1)(a) or (1)(b) above. Form SP 00 00 10118 Page 7 of 19 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THE =' HARTFORD But if collapse results in direct physical loss or direct physical damage to Covered Property caused by a Covered Cause of Loss at the "scheduled premises", we will pay for the direct physical loss or direct physical damage caused by that Covered Cause of Loss. (2) This exclusion does not apply to collapse caused by one or more of the following: (a) A "specified cause of loss"; (b) Breakage of building glass; (c) Weight of rain that collects on a roof; or (d) Weight of people or personal property. . k. Pathogenic or Poisonous Biological or Chemical Materials The deliberate or intentional dispersal or application of any pathogenic or poisonous biological or chemical materials. But if direct physical loss or direct physical damage to Covered Property by fire results, we will pay for the resulting direct physical loss or direct physical damage caused by that fire. Pollution We will not pay for loss or damage caused by or resulting from the discharge, dispersal, seepage, migration, release or escape of "pollutants and contaminants" unless the discharge, dispersal, seepage, migration, release or escape is itself caused by any "specified cause of loss." But if the discharge, dispersal, seepage, migration, release or escape of "pollutants and contaminants" results in damage to Covered Property caused by a "specified cause of loss", we will pay for the physical loss or physical damage caused by that "specified cause of loss." m. Neglect Neglect of an insured to use all reasonable means to save and preserve property from further damage at and after the time of loss. Errors, Omissions, or Deficiency in Design Errors, omissions, or deficiency in design in: (1) Programming, processing or storing data, as described under "electronic data" or in any "computer" operations; or (2) Processing or copying "valuable papers and records". However, we will pay for direct physical loss or direct physical damage to Covered Property caused by resulting fire, explosion or sprinkler leakage. Electrical Disturbance Electrical or magnetic injury, disturbance or erasure of "electronic data". However, we will pay for direct physical loss or direct physical damage to Covered Property caused by lightning. p. Installation, Testing, Repair Errors, omissions, or deficiency in design, installation, testing, maintenance, modification or repair of your "computer" system including "electronic data". However, we will pay for direct physical loss or direct physical damage to Covered Property caused by resulting fire, explosion, or sprinkler leakage. q. Continuous Or Repeated Seepage Or Leakage Of Water Continuous or repeated seepage or leakage of water, or the presence or condensation of humidity, moisture or vapor, that occurs over a period of 14 days or more. 3. We will not pay for loss or damage caused by or resulting from any of the following. But if direct physical loss or direct physical damage to Covered Property by a Covered Cause of Loss results, we will pay for that resulting direct physical loss or direct physical damage. Form SP 00 00 10 18 Page 8 of 19 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THE HARTFORD Weather Conditions Weather conditions. This exclusion only applies if weather conditions contribute in any way with a cause or event excluded in Paragraph B.1. above to produce the physical loss or physical damage. b. Acts k Decisions Acts or decisions, including the failure to act or decide, of any person, group, organization or governmental body. c. Negligent Work Faulty, inadequate or defective: (1) Planning, zoning, development, surveying, siting; (2) Deign, specifications, workmanship, repair, construction, renovation, remodeling, grading, compaction; (3) Materials used in repair, construction, renovation or remodeling; or (4) Maintenance of part or all of any property on or off the "scheduled premises". 4. Loss Or D mage To Products We will notpay for loss or damage to any merchandise, goods or other product caused by or resulting from 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 compr mises the form, substance or quality of the product. But if such error or omission results in direct physical Toes or direct physical damage to Covered Property by a Covered Cause of Loss, we will pay for the direct physical loss or direct physical damage caused by that Covered Cause of Loss. 5. Testing of Certain Types of Property We will not pay for loss or damage caused by or resulting from any of the following tests: (a) A hydrostatic, pneumatic or gas pressure test of any boiler or pressure vessel; or (b) An ins lation breakdown test of any type of electrical equipment. But if direc physical loss or direct physical damage to Covered Property by a "specified cause of loss" results, we will pay for the resulting direct physical loss or direct physical damage caused by that "specified cause of loss." C. LIMITS OF INSURANCE 1. The most We will pay for loss or damage in any one occurrence is the applicable Limit of Insurance shown in the Declarations. 2. Building Limit - Automatic Increase a. If covered loss or damage to Building property at a "scheduled premises" exceeds the Limit of Insurance stated n the Declarations, the Limit of Insurance available for the covered loss or damage to Building property in that occurrence will automatically increase by up to 8%. b. The arnount of increase will be: (1) The Limit of Insurance for Buildings that applied on the most recent of the: (a) Coverage Part inception date (b) Coverage Part anniversary date; or (c) The date of any other Coverage Part change amending the Building Limit, multiplied by (2) The 8% annualized percentage of Automatic Increase, expressed as a decimal (.08), multiplied by (3) The number of days since the beginning of the current policy period or the effective date of the most recent Coverage Part change amending the Limit of Insurance for Buildings, divided by 365. Form SP 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) Page 9 of 19 THE HARTFORD Example: The applicable Limit of Insurance for Buildings is $100,000. The Automatic Increase percentage is 8%. The number of days since the beginning of the policy period (or last Coverage Part change) is 146. The amount of the increase is: ($100,000 x .08 x 146) divided by 365 = $3,200 3. Business Personal Property Limit - Seasonal Increase a. If covered loss or damage to Business Personal Property exceeds the Limit of Insurance stated in the Declarations, the Limit of Insurance for Business Personal Property will automatically increase by the percentage shown in the Declarations to provide for seasonal variations. b. This increase will apply only if all Limits of Insurance shown in the Declarations for Business Personal Property at the "scheduled premises" is at least 100% of your average monthly values during the lesser of: (1) The 12 months immediately preceding the date the physical loss or physical damage occurs; or (2) The period of time you have been in business as of the date the physical loss or physical damage occurs. D. DEDUCTIBLES 1. We will not pay for loss or damage in any one occurrence until the amount of loss or damage exceeds the Coverage Part Deductible shown in the Declarations. We will then pay the amount of loss or damage in excess of the Coverage Part Deductible up to the applicable Limit of Insurance. 2. Unless a separate Deductible is indicated, the Deductible applicable to the Additional Coverages and Coverage Extensions is the Coverage Part Deductible. 3. Each Deductible applicable to this Coverage Part shall be applied separately but only to the coverage specified, and the total Deductible for all losses in any one occurrence shall be the highest Deductible amount that applies to the occurrence. E. PROPERTY LOSS CONDITIONS 1. Abandonment There can be no abandonment of any property to us. 2. Appraisal If we and you disagree on the amount of loss, either may make written demand for an appraisal of the loss. In that event, each party will select a competent and impartial appraiser. The two appraisers will select an umpire. If the appraisers cannot agree on an umpire, we or you, after providing notice to the other party, may request that selection be made by a judge of a court having jurisdiction. The appraisers will state separately the amount of loss. If they fail to agree, they will submit their differences to the umpire. A decision agreed to by any two will be binding. Each party will: a. Pay its chosen appraiser; and b. Bear the other expenses of the appraisal and umpire equally. If there is an appraisal, we will still retain our right to deny the claim. 3. Duties In The Event Of Loss Or Damage a. You must see that the following are done in the event of loss of or damage to Covered Property: (1) Notify the police if a law may have been broken. (2) Give us prompt notice of the loss or damage. Include a description of the property involved. (3) As soon as possible, give us description of how, when and where the loss or damage occurred. (4) Take all reasonable steps to protect the Covered Property from further damage. If feasible, set the damaged property aside in the best possible order for examination. Also, keep a record of your expenses for emergency and temporary repairs, for consideration in the settlement of the claim. This will not increase the Limits of Insurance. Form SP 00 00 10 18 Page 10 of 19 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THE HARTFORD However, we will not pay for any subsequent loss or damage resulting from a cause of loss that is not a Covered Cause of Loss. (5) At our request, give us complete inventories of the damaged and undamaged property. Include quantities, costs, values and amount of loss claimed. (6) As often as may be reasonably required, permit us to inspect the property proving the loss or damage and examine your books and records. Also permit us to take samples of damaged and undamaged property for inspection, testing and analysis, and permit us to make copies from your books and records. (7) Send us a signed, sworn statement of loss containing the information we request to investigate the claim. Yo i must do this within 60 days after our request. We will supply you with the necessary forms. (8) Cooperate with us in the investigation or settlement of the claim. (9) Re ume part or all of your "operations" as quickly as possible. b. We may examine any insured under oath, while not in the presence of any other insured or "employee", at such times as may be reasonably required about any matter relating to this insurance or your claim, including an insured's books and records. At our option and expense, any examination under oath may be video or audio taped as well as being recorded by stenographic record. If a written transcript is prepared of the testimony, then at our request, your answers under oath must be signed under penalty of perjury. 4. Legal Action Against Us No one mar bring a legal action against us under this insurance unless: a. There has been full compliance with all of the terms of this insurance; and b. The action is brought within 2 years after the date on which the direct physical loss or direct physical damage occurred. 5. Loss Payment In the event of loss or damage covered by this Coverage Part: At our option we will either: (1) Par the value of lost or damaged property; (2) Par the cost of repairing or replacing the lost or damaged property; (3) Take all or any part of the property at an agreed or appraised value; or (4) Repair, rebuild or replace the property with other property of like kind and quality. b. We will give notice of our intentions within 30 days after we receive the sworn statement of loss. c. We will not pay you more than your financial interest in the Covered Property. d. We will determine the value of Covered Property as follows: (1) At replacement cost (without deduction for depreciation), except as provided in (2) through (10) below. (a) You may make a claim for loss or damage covered by this insurance on an actual cash value basis instead of on a replacement cost basis. In the event you elect to have loss or damage settled on an actual cash value basis, you may still make a claim on a replacement cost basis if you notify us of your intent to do so within 180 days after the physical loss or physical damage. (b) We will not pay on a replacement cost basis for any loss or damage: (i) Until the lost or damaged property is actually repaired or replaced; and (ii) Unless the repairs or replacement are made as soon as reasonably possible after the loss or physical damage. However, if the cost to repair or replace the damaged property is $2,500 or less, we will settle the loss according to the provisions of Paragraph d.(1)(a) above whether or not the actual repair or replacement is complete. (c) We will not pay more for loss or damage on a replacement cost basis than the least of: Form SP 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) Page 11 of 19 THE 4' HARTFORD (i) The cost to replace, on the same premises, the lost or damaged property with other property of comparable material and quality and which is used for the same purpose; or (ii) The amount you actually spend that is necessary to repair or replace the lost or damaged property. (2) If the Actual Cash Value - Buildings option applies, as shown in the Declarations, Paragraph (1) above does not apply to Buildings. Instead, we will determine the value of Buildings at actual cash value. (3) The following property at actual cash value: (a) Manuscripts; (b) Works of art, antiques or rare articles, including etchings, pictures, statuary, objects of marble, bronzes, porcelains and bric-a-brac; (c) Household contents, except personal property in apartments or rooms furnished by you as landlord; (d) Used or secondhand merchandise held in storage or for sale; and (e) Property of others. However, if an item(s) of personal property of others is subject to a written contract which governs your liability for loss or damage to that item(s), then valuation of that item(s) will be based on the amount for which you are liable under such contract, but not to exceed the lesser of the replacement cost of the property or the applicable Limit of Insurance. (4) Glass at the cost of replacement with safety glazing material if required by law. (5) "Tenant improvements and betterments" at: (a) Replacement cost if you make repairs promptly. (b) A proportion of your original cost if you do not make repairs promptly. We will determine the proportionate value as follows: (i) Multiply the original cost by the number of days from the loss or damage 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. Example: The original cost of the "tenant improvements and betterments" was $100,000. The number of days between the date the damage occurred and the expiration of the lease is 200. The number of days between the installation of the "tenant improvements and betterments" and the expiration of the lease is 500. The proportionate value is: ($100,000 x 200) divided by 500 = $40,000 If your lease contains a renewal option, the expiration of the renewal option period will replace the expiration of the lease in this procedure. (c) Nothing, if others pay for repairs or replacement. (6) "Valuable papers and records", at your incurred cost of: (a) Blank materials for reproducing the records (including blank prepackaged programs when replaced); and (b) Labor to transcribe or copy the records and to research, replace or restore the lost information, including research and development documentation. To the extent "valuable papers and records" are not replaced or restored, the loss will be valued at the cost of replacement of the media on which the "valuable papers and records" were stored, with blank media of substantially identical type. (7) "Money" and "securities": (a) "Money" at its face value; and (b) "Securities" at their value at the close of business on the day the loss is discovered. Form SP 00 00 10 18 Page 12 of 19 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THE ia HARTFORD (8) The value of United States Government Internal Revenue taxes and custom duties and refundable state and local taxes paid or fully determined on the following property held for sale will not be considered in determining the value of Covered Property: (a) Distilled spirits; (b Wines; (c) Rectified products; or (d) Beer. (9) "Stock" you have sold but not delivered at the selling price less discounts and expenses you otherwise w uld have had. (10)A plicable to accounts receivable: (a If you cannot accurately establish the amount of the accounts receivable outstanding as of the time of physical loss or physical damage the following method will be used: (i) Determine the total of the average monthly value of accounts receivable for 12 months immediately preceding the month in which the direct physical loss or physical damage occurred; and (ii) Adjust the total determined in paragraph (i) above for any normal fluctuations in the value of accounts receivable for the month in which the direct physical loss or physical damage occurred for any demonstrated variance from the average of that month. (b) The following will be deducted from the total value of accounts receivable, however that value is established: (i) The value of the accounts for which there is no physical loss or physical damage; (ii) The value of the accounts that you are able to re-establish or collect; (iii) A value to allow for probable bad debts that you are normally unable to collect; and (iv) All unearned interest and services charged. Our payment for physical loss of or physical damage to personal property of others will only be for the account of the owners of the property. We may adjust losses with the owners of lost or damaged property if other than you. If we pay the owners, such payment 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. f. We may elect to defend you against "suits" arising from claims of owners of property. We will do this at our expene. We wil, pay for covered loss or damage within 30 days after we receive the sworn statement of loss, if you have cpmplied with all the terms of this Policy, and: (1) We have reached agreement with you on the amount of loss, or (2) An appraisal award has been made. h. A party') wall is a wall that separates and is common to adjoining buildings that are owned by different parties. In settling covered losses involving a party wall, we will pay a proportion of the loss to the party wall based on your interest in the wall in proportion to the interest of the owner of the adjoining building. However, if you elect t repair or replace your building and the owner of the adjoining building elects not to repair or replace that building, we will pay you the full value of the loss to the party wall, subject to all applicable Policy provisions including Limits of Insurance and all other provisions of this Loss Payment Condition. Our payment under the provisions of this paragraph does not alter any right of subrogation we may have against any entity, including the owner or insurer of the adjoining building, and does not alter the terms of Paragraph F.6., Transfer Of Rights of Recovery Against Others To Us. 6. Recovered Property If either you or we recover any property after loss settlement, that party must give the other prompt notice. At your option, you may retain the property. But then you must return to us the amount we paid to you for the property. Form SP 00 00 10 18 Page 13 of 19 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) g. THE HARTFORD We will pay recovery expenses and the expenses to repair the recovered property, subject to the Limits of Insurance. 7. Salvage In the event we pay to replace Covered Property or any component thereof, we retain our right to salvage such property. 8. Vacancy a. Description of Terms (1) As used in this Vacancy Condition, the term building and the term vacant have the meanings set forth in Paragraphs (a) and (b) below: (a) When this Coverage Part 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. (b) When this Coverage Part 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 sub -lessee and used by the lessee or sub -lessee to conduct its customary operations; and/or (ii) Used by the building owner to conduct customary operations. (2) Buildings under construction or renovation are not considered vacant. b. Vacancy Provisions If the building where loss or damage occurs has been vacant for more than 60 consecutive days before that loss or damage occurs: (1) We will not pay for any loss or damage caused by any of the following even if they are Covered Causes of Loss: (a) Vandalism; (b) Sprinkler leakage, unless you had protected the system against freezing; (c) Building glass breakage; (d) Water; (e) Theft; or (f) Attempted theft. (2) With respect to Covered Causes of Loss other than those listed in b.(1)(a) through b.(1)(f) above, we will reduce the amount we would otherwise pay for the physical loss or physical damage by 15%. F. PROPERTY GENERAL CONDITIONS 1. Control of Property Any act or neglect of any person other than you beyond your direction or control will not affect this insurance. The breach of any condition of this Coverage Form at one or more locations will not affect coverage at any location where, at the time of loss or damage, the breach of condition does not exist. 2. Mortgageholders a. The term mortgageholder includes trustee. b. We will pay for covered loss of or damage to buildings or structures to each mortgageholder shown in the Declarations in their order of precedence, as interests may appear. c. The mortgageholder has the right to receive loss payment even if the mortgageholder has started foreclosure or similar action on the building or structure. d. If we deny your claim because of your acts or because you have failed to comply with the terms of this Policy, the mortgageholder will still have the right to receive loss payment if the mortgageholder: (1) Pays any premium due under this Policy at our request if you have failed to do so; Form SP 00 00 10 18 Page 14 of 19 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) HARTFORD (2) Submits a signed, sworn statement of loss within 60 days after receiving notice from us of your failure to do so; and (3) Has notified us of any change in ownership, occupancy or substantial change in risk known to the mortgageholder. All of the terms of this Policy will then apply directly to the mortgageholder. If we ',pay the mortgageholder for any loss or damage and deny payment to you because of your acts or because you have failed to comply with the terms of this Policy: (1) The mortgageholder's rights under the mortgage will be transferred to us to the extent of the amount we pay; and (2) Tf{e mortgageholder's rights to recover the full amount of the mortgageholder's claim will not be impaired. At our option, we may pay to the mortgageholder the whole principal on the mortgage plus any accrued interest. In this event, your mortgage and note will be transferred to us and you will pay your remaining mortgage debt to us. f. If we cancel this Policy, we will give written notice to the mortgageholder at least: (1) 1gg days before the effective date of cancellation if we cancel for your nonpayment of premium; or (2) 3t days before the effective date of cancellation if we cancel for any other reason. g. If we Ielect not to renew this Policy, we will give written notice to the mortgageholder at least 10 days before the expiration date of this Policy. 3. No Benefit to Bailee No persons or organization, other than you, having custody of Covered Property will benefit from this insurance. 4. OtherInslnrance If there is ether insurance covering the same loss or damage, we will pay only for the amount of covered loss or damage in excess of the amount due from that other insurance, whether you can collect on it or not. But we will not pay more than the applicable Limit of Insurance. 5. Policy Period, Coverage Territory a. We cover loss or damage commencing: (1) DLring the policy period shown in the Declarations; and (2) W thin the coverage territory or, with respect to property in transit, while it is between points in the coverage territory. b. The coverage territory is: (1) Tile United States of America (including its territories and possessions); (2) Puerto Rico; and (3) Canada. 6. Transfer of Rights of Recovery Against Others To Us a. If any person or organization to or for whom we make payment under this Policy has rights to recover damages from another, those rights are transferred to us to the extent of our payment. That person or organization must do everything necessary to secure our rights and must do nothing after loss to impair them. But you may waive your rights against another party in writing: (1) Pr or to a loss to your Covered Property; or (2) After a loss to your Covered Property only if, at time of loss, that party is one of the following: (a) Someone insured by this insurance; (b) A business firm: (i) Owned or controlled by you; or (ii) That owns or controls you; or (c) Your tenant. You m y also accept the usual bills of lading or shipping receipts limiting the liability of carriers. Form SP 00 00 1O18 Page 15 of 19 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) MTHE HARTFORD This will not restrict your insurance. b. Any recovery from subrogation proceedings, less costs incurred by us in such proceedings, will be payable to you in the proportion that the amount of: (1) Any applicable deductible; and/or (2) Any provable uninsured loss, bears to the entire provable loss amount. G. PROPERTY DEFINITIONS 1. "Communication supply services" means property, including overhead transmission lines, supplying communication services, including telephone, radio, microwave or television services, to the "scheduled premises", such as: a. Communication transmission lines, including optic fiber transmission lines; b. Coaxial cables; and c. Microwave radio relays except satellites. 2. "Computer" means: a. Programmable electronic equipment that is used to store, retrieve and process data; and b. Associated peripheral equipment that provides communication, including input and output functions such as printing and auxiliary functions such as data transmission. "Computer" includes those used to operate production -type machinery or equipment. 3. "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, referred to in the foregoing description of electronic data, 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. "Electronic data" it is not considered physical property under this Coverage Part and is covered only as expressly provided for in this Coverage Part. Any such coverage does not indicate that "electronic data" is considered to be tangible property subject to physical loss or physical damage for purposes of any business interruption coverage or other coverage that requires physical loss or physical damage. 4. "Employee" a. Means: (1) Any natural person: (a) While in your service (and for 60 days after termination of service); and (b) Whom you compensate directly by salary, wages or commissions; and (c) Whom you have the right to direct and control while performing services for you; (2) Any natural person employed by an employment contractor while that person is subject to your direction and control and performing services for you excluding, however, any such person while having care and custody of property outside the premises; (3) Any natural person who is your partner or member of a limited liability corporation; (4) Any natural person, whether or not compensated, while performing services for you as the chairman or a member of any committee; (5) Any natural person who is a non -compensated officer; (6) Any natural person who is a director or trustee while acting as a member of any of your elected or appointed committees or while acting within the scope of the usual duties of an "employee"; (7) Any natural person who is a non -compensated volunteer, while performing services for you that are usual to the duties of an "employee"; Form SP 00 00 10 18 Page 16 of 19 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THE HARTFORD (8) Any natural person who is a former employee, director, partner, member, representative or trustee reained as a consultant while performing services for you; (9) Any natural person who is a student intern who is pursuing studies or acting within the scope of the usual duties of an "employee"; (10)Ary natural person, who is a student enrolled in your facility, while handling or has possession of property or ifunds in connection with sanctioned student activities; and (11)Thle spouses of and children over 18 years old who reside with any "employee" who is a building manager, superintendent or janitor. Each family is deemed to be, collectively, one "employee" for the purposes of this insurance, except that any Termination Condition applies individually to the spouse and ch'Idren. b. "Employee" does not mean: (1) An agent, broker, factor, commission merchant, consignee, independent contractor or representative of the same general character; or (2) Any manager, director, partner, member or trustee, except while acting within the scope of the usual duties of an "employee". 5. "Fungi" means any type or form of fungus, including mold or mildew, and any mycotoxins, spores, scents or by- products p oduced or released by fungi. 6. "Manager"means a person serving in a directorial capacity for a limited liability company. 7. "Member" means an owner of a limited liability company represented by its membership interest, who also may serve as a "manager". 8. "Money" means: a. Currency, coins and bank notes in current use; and b. Travelers checks, registered checks and money orders held for sale to the public. 9. "Operations" means your business activities occurring at the "scheduled premises" and tenantability of the "scheduled premises". 10. "Period of restoration" a. Means the period of time that: (1) Begins: (a) The number of hours shown in the Declarations after the time of direct physical loss or direct physical damage for Business Income coverage; or (b) Immediately after the time of direct physical loss or direct physical damage for Extra Expense coverage; cared by or resulting from any Covered Cause of Loss at the "scheduled premises"; and (2) Ends on the earlier of: (a) The date when the property at the "scheduled premises" should be repaired, rebuilt or replaced with reasonable speed and similar quality; or (b) The date when your business is resumed at a new, permanent location; or (c) Exhaustion of the number of consecutive months as shown on the Declarations. b. Does not include any increased period required due to enforcement of or compliance with any ordinance or law that (1) Regulates the construction, use or repair, or requires the tearing down of any property; or (2) Requires any insured or others to test for, clean up, remove, contain, treat, detoxify, or neutralize, or in any way respond to "pollutants and contaminants". The expiration date of this Coverage Part will not cut short the "period of restoration". 11. "Pollutants and contaminants" means any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapors, soot, fumes, acids, alkalis, chemicals and waste, or any other material which causes or threatens to cause physical loss, physical damage, impurity to property, unwholesomeness, undesirability, loss of Form SP 00 00 10 18 Page 17 of 19 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THE HARTFORD marketability, loss of use of property, or which threatens human health or welfare. Waste includes materials to be recycled, reconditioned or reclaimed. 12. "Power supply services" means the following types of property supplying electricity, steam or gas, including overhead transmission lines to the "scheduled premises": a. Utility generating plants; b. Switching stations; c. Substations; d. Transformers; and e. Transmission Lines. 13. "Scheduled premises" means any premises listed by location address in the Coverage Part Declarations. 14. "Securities" means negotiable and nonnegotiable instruments or contracts representing either "money" or other property and includes: a. Tokens, tickets, revenue and other stamps (whether represented by actual stamps or unused value in meter) in current use; and b. Evidences of debt issued in connection with credit or charge cards, which cards are not issued by you; but does not include "money." Lottery tickets held for sale and postage stamps in current use and having face value are not "securities". 15. "Specified cause of loss" means the following: Fire; lightning; explosion, windstorm or hail; smoke; aircraft or vehicles; riot or civil commotion; vandalism; leakage from fire extinguishing equipment; sinkhole collapse; volcanic action; falling objects; weight of snow, ice or sleet; water damage. 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: (1) The cost of filling sinkholes; or (2) Sinking or collapse of land into man-made underground cavities. b. Falling objects does not include loss of or damage to: (1) Personal property in the open; or (2) 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. c. Water damage means (1) 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; and (2) 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 located off the "scheduled premises" and 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 loss or damage otherwise excluded under Exclusion B.1.f., Water. Therefore, for example, there is no coverage in the situation in which 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 Exclusion B,1.f., Water, there is no coverage for loss or damage caused by or related to weather -induced flooding which follows or is exacerbated by pipe breakage or cracking attributable to wear and tear. However, to the extent that accidental discharge or leakage of water falls within the criteria set forth in Paragraphs c.(1) or c.(2) of this definition of "specified causes of loss", such water is not subject to the provisions of Exclusion B.1.f., Water which preclude coverage for surface water or water under the ground surface. Form SP 00 00 10 18 Page 18 of 19 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) HARTFORD 16. "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. 17. "Suit" means a civil proceeding and includes: a. An arltration proceeding in which damages are claimed and to which you must submit or do submit with our conse t; or b. Any other alternative dispute resolution proceeding in which damages are claimed and to which you submit with our consent. 18. "Tenant improvements and betterments" means fixtures, alterations, installations or additions: a. Made a part of the building or structure you occupy but do not own; and b. You acquired or made at your expense but cannot legally remove. 19. "Unmannedd aircraft" means an aircraft that is not: a. Designed; b. Manufactured; or c. 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 in your care, custody, or control. "Unmanned aircraft" includes equipment designed for and used exclusively with the "unmanned aircraft", provided such equipment is essential for operation of the "unmanned aircraft" or for executing "unmanned aircraft operations". 20. "Unmanned) aircraft operations" means your business activities in support of the specific operations listed in the Description{ of Business section of the Declarations. 21. "Valuable papers and records" means inscribed, printed or written: a. Documents; b. Manuscripts; or c. Recor4s including abstracts, books, deeds, drawings, films, maps or mortgages. But "valuable papers and records" does not mean "money", "securities" or "electronic data" or the materials on which the "electronic data" is recorded. 22. "Wastewater removal services" means a utility system for removing wastewater and sewage from the "scheduled premises", other than a system designed primarily for draining storm water. The utility property includes sewer mains, pu ping stations and similar equipment for moving the effluent to a holding, treatment or disposal facility, and includes such facilities. 23. "Water supply services" means the following types of property supplying water to the "scheduled premises": a. Pumping stations; and b. Water mains. Form SP 00 00 10 18 Page19of19 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD PERILS SPECIFICALLY EXCEPTED This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. As used herein, peril means a cause of physical loss or damage to property. It has this meaning whether or not it is called a peril or a cause of loss in this Coverage Part. A. The following is added to Section B., EXCLUSIONS: Perils Specifically Excepted Even if any of the terms of this Coverage Part might be construed otherwise, the following perils, as described in Paragraphs a. and b. below, are SPECIFICALLY EXCEPTED FROM THIS COVERAGE PART. WE DO NOT COVER OR INSURE AGAINST LOSS OR DAMAGE DIRECTLY OR INDIRECTLY CAUSED BY, RESULTING FROM, CONTRIBUTED TO OR AGGRAVATED BY, OR WHICH WOULD NOT HAVE OCCURRED BUT FOR, EITHER OF THESE PERILS: ACTS, ERRORS OR OMISSIONS (1) Acts, errors or omissions by you or others in: (a) Planning, zoning, developing, surveying, testing or siting property; (b) Establishing or enforcing any building code, or any standard, ordinance or law about the construction, use or repair of any property or materials, or requiring the tearing down of any property, including the removal of its debris; (c) The design, specifications, workmanship, repair, construction, renovation, remodeling, grading or compaction of all or any part of the following: (i) Land or buildings or other structures; (ii) Roads, water or gas mains, sewers, drainage ditches, levees, dams, or other facilities; or (iii) Other improvements or changes in or additions to land or other property. (d) The furnishing of work, materials, parts or equipment in connection with the design, specifications, workmanship, repair, construction, renovation, remodeling, grading or compaction of any of the above property or facilities; or (e) The maintenance of any of such property or facilities. (2) This exception applies whether or not the property or facilities described above are covered: (a) Under this Coverage Part; or (b) On or away from the "scheduled premises". This exception does not reduce the insurance for loss or damage caused directly by a "covered peril". b. COLLAPSE, "CRACKING" OR "SHIFTING" (1) Collapse, "cracking" or "shifting" of buildings, other structures or facilities, or their parts, if the collapse, "cracking" or "shifting": (a) Occurs during "earth movement," "volcanic eruption" or "flood" conditions or within 72 hours after they cease; and (b) Would not have occurred but for "earth movement," "volcanic eruption" or "flood." (2) If loss or damage by a "covered peril" ensues at the "scheduled premises", we will pay for that ensuing loss or damage. Form SP 20 08 10 18 Page 1 of 3 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (3) This exception applies whether or not there are other provisions in this Coverage Part relating to collapse, "cracking" or "shifting" of buildings, other structures or facilities, or their parts. Any such provision is revised by this endorsement to include this exception. (4) If this Coverage Part specifically covers (by endorsement or in any other way) loss or damage caused by one or more of the following perils: (a "Earthquake"; (b "Flood"; (c) Volcanic action; ) (d "Volcanic eruption"; or (e) Sinkhole collapse, thi exception will not reduce that coverage. B. Solely for the purposes of this endorsement, the following changes are made to Section G., PROPERTY DEFINITIONS:, 1. The following definition is added: "Cracking" means cracking, separating, shrinking, bulging, or expanding. 2. The following definition is added: "Shifting" means shifting, rising, settling, sinking, or lateral or other movement. 3. The followi g definition is added: "Earth moement" means any earth movement, including but not limited to "earthquake," landslide, mudflow, erosion, contraction or expansion, subsidence, any movement of earth resulting from water combining with the ground or soil, and any other "shifting" of earth; all whether or not combined with "flood" or "volcanic eruption." It does not include sinkhole collapse if loss by sinkhole collapse is specifically covered in this Coverage Part. 4. The following definition is added: "Earthquale" means a shaking or trembling of the earth's crust, caused by underground volcanic or tectonic forces or by breaking or "shifting" of rock beneath the surface of the ground from natural causes. An "earthquake" includes al related shocks and aftershocks. 5. The following definition is added: "Volcanic eruption" means the eruption, explosion or effusion of a volcano. It does not include volcanic action if loss by volcanic action is specifically covered in this Coverage Part. 6. The followi g definition is added: "Flood" mens: a. Flood, urface water, waves (including tidal waves and tsunami), tides, tidal water, high water, and overflow of streams or any other natural or man-made bodies of water, or spray from any of these, all whether driven by wind of not (including storm surge); b. Releasee of water held by a dam, levy or dike or by a water or flood control device; c. Water that backs up from a sewer or drain; or d. Water finder the ground surface pressing on, or flowing, leaking or seeping through: (1) Forndations, walls, floors or paved surfaces; (2) Basements, whether paved or not; or (3) Doprs, windows or other openings. 7. The following definition is added: "Covered peIril" means a. When this Coverage Part grants coverage based on the risk of loss from a "specified cause of loss", "covered peril" means any peril specifically named as a "specified cause of loss"; or Form SP 20 08 10 18 Page 2 of 3 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD b. When this Coverage Part grants coverage based on the risk of loss without specifying a "specified cause of loss", "covered peril" means any peril not described above and not otherwise excluded or excepted from a "specified cause of loss" covered by this Coverage Part. Form SP 20 08 1018 Page 3 of 3 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD COLLAPS This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwie stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.5., Additional Coverages, of the Special Property Coverage Form: Collapse The c verage provided under this Additional Coverage applies only to an abrupt collapse as described and limited in Paragraphs (1) through (6) below. (1) F r the purpose of this Additional Coverage, abrupt collapse means an abrupt falling down or caving in of a building or any part of a building with the result that the building or part of the building cannot be occupied for its intended purpose. (2) We will pay for direct physical loss or direct physical damage to Covered Property, caused by abrupt co lapse of a building or any part of a building that is insured under this Coverage Part or that contains Covered Property insured under this Coverage Part, if such collapse is caused by one or more of the fol owing: (a) Building decay that is hidden from view, unless the presence of such decay is known to an insured prior to collapse; (b1 Insect or vermin damage that is hidden from view, unless the presence of such damage is known to an insured prior to collapse; (c) Use of defective material or methods in construction, remodeling or renovation if the abrupt collapse occurs during the course of the construction, remodeling or renovation; (d Use of defective material or methods in construction, remodeling or renovation if the abrupt collapse occurs after the construction, remodeling or renovation is complete, but only if the collapse is caused in part by: (I) A cause of loss listed in Paragraphs (2)(a) or (2)(b) above; (ii) One or more of the "specified causes of loss"; (iii) Breakage of building glass; (iv) Weight of people or personal property; or (v) Weight of rain that collects on a roof. (3) This Additional Coverage does not apply to: (a) A building or any part of a building that is in danger of falling down or caving in; (b), A part of a building that is standing, even if it has separated from another part of the building; or (c) A building that is standing or any part of a building that is standing, even if it shows evidence of cracking, bulging, sagging, bending, leaning, settling, shrinkage or expansion. (4) With respect to the following property: (a) Awnings; (b) Gutters and downspouts; (c) Yard fixtures; (d) Outdoor swimming pools; (e) Piers, wharves and docks; (f) Beach or diving platforms or appurtenances; (g) Retaining walls; and (h) Walks, roadways, and other paved surfaces; Form SP 30 00 10 18 Page 1 of 2 © 2018, The Hartford (IVlay include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD if an abrupt collapse is caused by a cause of loss listed in Paragraphs (2)(a) through (2)(d) above, we will pay for loss or damage to that property only if such loss or damage is a direct result of the abrupt collapse of a building insured under this Coverage Part and the property is Covered Property under this Coverage Part. (5) If personal property abruptly falls down or caves in and such collapse is not the result of an abrupt collapse of a building, we will pay for loss or damage to Covered Property caused by such collapse of personal properly only if: (a) The collapse of personal property was caused by a cause of loss listed in Paragraphs (2)(a) through (2)(d) of this Additional Coverage; (b) The personal property which collapses is inside a building; and (c) The property which collapses is not of a kind listed in Paragraph (4) above, regardless of whether that kind of property is considered to be personal property or real property. The coverage stated in this Paragraph (5) does not apply to personal property if marring and/or scratching is the only damage to that personal property caused by the collapse. Collapse of personal properly does not mean cracking, bulging, sagging, bending, leaning, settling, shrinkage or expansion. (6) Paragraph 2.j., Collapse, of Section B., EXCLUSIONS, does not apply to this Additional Coverage. (7) This Additional Coverage does not apply to personal property that has not abruptly fallen down or caved in, even if the personal property shows evidence of cracking, bulging, sagging, bending, leaning, settling, shrinkage or expansion. Form SP 30 00 10 18 Page 2 of 2 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD DEBRIS REMOVAL This endorsement modifies insurance provided under the following: SPECIAL PROPS �2TY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.5., Additional Coverages, of the Special Property Coverage Form: Debris Removal (1) Subject to Paragraphs (2), (3) and (4) below, we will pay your expense to remove debris of Covered Property and other debris that is on the "scheduled premises" when such debris is caused by or results from a Covered Cause of Loss that occurs during the policy period. The expenses will be paid only if they ar reported to us in writing within 180 days of the date of direct physical loss or direct physical damage. (2) D bris Removal does not apply to costs to: (a) Remove debris of property of yours that is not insured under this Coverage Part, or property in your possession that is not Covered Property; (b Remove debris of property owned by or leased to the landlord of the building where your described premises are located, unless you have a contractual responsibility to insure such property and it is insured under this Coverage Part; (9 Remove any property listed under Paragraph A.2. Property Not Covered except as otherwise provided for in this Coverage Part; (d) Remove property of others of a type that would not be Covered Property under this Coverage Part; (e Remove deposits of mud or earth from the grounds of the "scheduled premises"; (f) Extract "pollutants and contaminants" from land or water; or (g Remove, restore or replace polluted land or water. (3) Si1bject to the exceptions in Paragraph (4) below, the following provisions apply: (a The most we will pay for the total of direct physical loss or direct physical damage plus debris removal expense is the Limit of Insurance applicable to the Covered Property that has sustained loss or damage. (b) Subject to Paragraph (3)(a) above, the amount we will pay for debris removal expense is limited to 25% of the sum of the Deductible plus the amount that we pay for direct physical loss or direct physical damage to the Covered Property that has sustained loss or damage. However, if no Covered Property has sustained direct physical loss or direct physical damage, the most we will pay for removal of other debris that is on the "scheduled premises" when such debris is caused by or results from a Covered Cause of Loss (if such removal is covered under this Additional Coverage) is $5,000 at each location. (4) We will pay up to the Limit of Insurance listed under Debris Removal — Additional Limit in the Declarations forj debris removal expense for each location, in any one occurrence of physical loss or physical damage to Covered Property, if one or both of the following circumstances apply: (a) The total of the actual debris removal expense plus the amount we pay for direct physical loss or direct physical damage exceeds the Limit of Insurance on the Covered Property that has sustained loss or damage. (b) The actual debris removal expense exceeds 25% of the sum of the Deductible plus the amount that we pay for direct physical loss or direct physical damage to the Covered Property that has sustained loss or damage. Th refore, if Paragraphs (4)(a) and/or (4)(b) apply, our total payment for direct physical loss or damage anal debris removal expense may reach but will never exceed the Limit of Insurance on the Covered Form SP 30 01 10 18 Page 1 of 2 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Property that has sustained loss or damage, plus the amount listed in the Declarations under Debris Removal — Additional Limit. (5) Examples Example 1 Limit of Insurance $ 90,000 Amount of Deductible $ 500 Amount of Loss $ 50,000 Amount of Loss Payable $ 49,500 ($50,000 - $500) $ 10,000 $ 10,000 ($10,000 is 20% of $50,000) The debris removal expense is less than 25% of the sum of the loss payable plus the Deductible. The sum of the loss payable and the debris removal expense ($49,500 + $10,000 = $59,500) is less than the Limit of Insurance. Therefore, the full amount of debris removal expense is payable in accordance with the terms of Paragraph (3). Example 2 Limit of Insurance Amount of Deductible Amount of Loss Amount of Loss Payable Debris Removal Expense Debris Removal Expense Payable Debris Removal Expense Debris Removal Expense Payable Basic Amount $ 10,500 Additional Limit $ 25,000 The basic amount payable for debris removal expense under the terms of Paragraph (3) is calculated as follows: $80,000 ($79,500 + $500) x .25 = $20,000; capped at $10,500. The cap applies because the sum of the loss payable ($79,500) and the basic amount payable for debris removal expense ($10,500) cannot exceed the Limit of Insurance ($90,000). The additional amount payable for debris removal expense is provided in accordance with the terms of Paragraph (4), because the debris removal expense ($40,000) exceeds 25% of the loss payable plus the Deductible ($40,000 is 50% of $80,000), and because the sum of the loss payable and debris removal expense ($79,500 + $40,000 = $119,500) would exceed the Limit of Insurance ($90,000). In this example, the Debris Removal — Additional Limit shown in the Declarations is $25,000. Thus, the total payable for debris removal expense in this example is $35,500; $4,500 of the debris removal expense is not covered. $ 90,000 $ 500 $ 80,000 $ 79,500 ($80,000 - $500) $ 40,000 Form SP 30 01 10 18 Page 2 of 2 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSE ENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD EQUIPMENT BREAKDOWN This endorsement modifies insurance provided under the following: SPECIAL PROPEETY COVERAGE FORM Except as otherwi a stated in this endorsement, the terms and conditions of the Policy apply. A. The following i added to Paragraph A.5., Additional Coverages, of the Special Property Coverage Form: Equipment Breakdown (1) Wwill pay for direct physical loss or direct physical damage to "equipment breakdown property" caused by or resulting from an "equipment breakdown accident". If an initial "equipment breakdown accident" causes other "equipment breakdown accidents", all will be considered one "equipment breakdown accident". All "equipment breakdown accidents" that are the result of the same event will be considered o e "equipment breakdown accident". (2) Coverage Extensions The following Coverage Extensions apply only to direct physical loss or direct physical damage to "equipment breakdown property" caused by or resulting from an "equipment breakdown accident": (a) Hazardous Substances We will pay in any one occurrence for the additional cost, not to exceed the Limit of Insurance shown in the Declarations for Equipment Breakdown — Hazardous Substances, to repair or replace Covered Property because of contamination by a "hazardous substance". This includes the expenses to clean up or dispose of such property. This does not include contamination of "perishable goods" by a refrigerant, including but not limited to ammonia. Additional cost means those beyond what would have been required had no "hazardous substance" been involved. This limit is in addition to the Limits of Insurance for Covered Property. (b Expediting Expenses With respect to your damaged Covered Property, we will pay in any one occurrence, up to the Limit of Insurance shown in the Declarations for Equipment Breakdown — Expediting Expenses, for the reasonable and necessary additional expenses you incur to: (i) Make temporary repairs; or (ii) Expedite permanent repairs or permanent replacement. This limit is in addition to the Limits of Insurance for Covered Property. (c) Defense If a claim or "suit" is brought against you alleging that you are liable for damage to property of another in your care, custody or control directly caused by an "equipment breakdown accident", we will either: (i) Settle the claim or "suit"; or (ii) Defend you against the claim or "suit," but keep for ourselves the right to settle it at any point. Payments under this Coverage Extension will not reduce the Limits of Insurance for Covered Property. (d Supplementary Payments We will pay, with respect to any claim or "suit" we defend: (I) All expenses we incur; (ii) The cost of bonds to release attachments, but only for bond amounts within the Limit of Insurance. We do not have to furnish these bonds; Form SP 30 02 10 18 Page 1 of 3. © 2018, The Hartford ay include copyrighted material of Insurance Services Office, Inc., with its permission) (M THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (3) (iii) All reasonable expenses incurred by you at our request to assist us in the investigation or defense of the claim or "suit" including actual loss of earnings up to $100 a day because of time off from work; (iv) All costs taxed against you in any "suit" we defend; (v) Prejudgment interest awarded against you on that part of the judgment we pay. If we make an offer to pay the applicable Limit of Insurance, we will not pay any prejudgment interest based on that period of time after the offer; and (vi) All interest on the full amount of any judgment that accrues after entry of the judgment and before we have paid, offered to pay, or deposited in court the part of the judgment that is within the Limit of Insurance shown in the Declarations. Payments under this Coverage Extension will not reduce the Limits of Insurance for Covered Property. (e) Environment, Safety and Efficiency Improvements If "equipment breakdown property" requires replacement due to loss or damage caused by or resulting from an "equipment breakdown accident", we will pay your additional cost to replace it with equipment that is better for the environment, safer or more efficient than the equipment being replaced. However, we will not pay more than 125% of what the cost would have been to repair or replace with property of comparable material and quality. This coverage does not increase any of the applicable Limits of Insurance. This coverage does not apply to any property indicated as being valued on an Actual Cash Value basis. If you wish to retrofit air conditioning or refrigeration equipment that utilizes a refrigerant containing CFC (chlorofluorocarbon) substances to accept a non-CFC refrigerant or replace the system with a system using a non-CFC refrigerant, we will consider this better for the environment. Any associated Business Income or Extra Expense will be included in determining the additional cost, if the Business Income and Extra Expense Additional Coverage applies to this Coverage Part. Additional Conditions (a) Bankruptcy The bankruptcy or insolvency of you or your estate will not relieve us of any obligation under this Additional Coverage. (b) Jurisdictional Inspections If any "equipment breakdown property" requires inspection to comply with state or municipal boiler and pressure vessel regulations, we agree to perform such inspection on your behalf. We do not warrant that conditions are safe or healthful. (c) Suspension When any "equipment breakdown property" is found to be in or exposed to a dangerous condition, any of our representatives may immediately suspend the insurance against loss from an "equipment breakdown accident" to that "equipment breakdown property". We can do this by mailing or delivering a written notice of suspension to: (i) Your address as shown in the Declarations; or (ii) The address where the "equipment breakdown property" is located. Once suspended in this way, your insurance can be reinstated only by written notice of reinstatement from us. Form SP 30 02 10 18 Page 2 of 3 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEM ENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (4) We will not pay for direct physical loss or direct physical damage in any one occurrence unless the amount of direct physical loss or direct physical damage exceeds the Equipment Breakdown Deductible stated in the Declarations. We will then pay the amount of the direct physical loss or direct physical damage in excess of the Equipment Breakdown Deductible up to the applicable Limit of Insurance for Covered Property. B. The following changes are made to Section B., EXCLUSIONS: 1. Exclusion B.2.a., Electrical Apparatus, is deleted. 2. Exclusion B.2.d., Steam Apparatus, is deleted. 3. Paragraph (6) of Exclusion B.2.e., Other Types of Loss, is deleted. 4. Paragraph B.2.o., Electrical Disturbance, is deleted. C. The following changes are made to Section G., PROPERTY DEFINITIONS: 1. The following definition is added: "Equipmert breakdown accident" means a fortuitous event that causes direct physical loss or direct physical damage to "equipment breakdown property". The event must be one of the following: a. Mech nical breakdown, including rupture or bursting caused by centrifugal force. b. Artifici Ily generated electrical, magnetic or electromagnetic energy, including electric arcing, that damages, distu s or otherwise interferes with any electrical or electronic wire, device, appliance or network. c. Explosion of steam boilers, steam piping, steam engines or steam turbines owned or leased by you, or operatad under your control. d. Physical loss or physical damage to steam boilers, steam pipes, steam engines or steam turbines caused by or resulting from any condition or event inside such boilers or equipment. e. Physical loss or physical damage to hot water boilers or other water heating equipment caused by or resulting from a y condition or event inside such boilers or equipment. 2. The follow ng definition is added: "Equipme t breakdown property" means Covered Property which, during normal usage, operates under vacuum or pressur , other than the weight of contents, or that generates, transmits or utilizes energy. The follow ng is not "equipment breakdown property": a. Any st ucture, foundation, cabinet, compartment or air supported structure or building; b. Any in ulating or refractory material; c. Any s wer piping, any underground vessels or piping, any piping forming a part of a sprinkler system, water piping other than boiler feedwater piping, boiler condensate return piping, or water piping forming a part of a refrigerating or air conditioning system; d. Any dragline, excavation or construction equipment; e. Any v hicle or any equipment mounted on a vehicle. As used here, vehicle means any machine or apparatus that isused for transportation or moves under its own power. Vehicle includes, but is not limited to: car, truck, bus, trailer, train, aircraft, watercraft, forklift, bulldozer, tractor or harvester. However, any property that is stationary, permanently installed at a "scheduled premises" and that receives electrical power from an externl power source will not be considered a vehicle; or f. Any equipment manufactured by you for sale. 3. The following definition is added: "Hazardous substance" means any substance that is hazardous to health or has been declared to be hazardous to heath b a governmental agency. 4. The follow ng definition is added: "Perishable goods" means personal property: a. Maintained under controlled temperature or humidity conditions for preservation; and b. Susceptible to loss or damage if the controlled temperature or humidity conditions change. Form SP 30 02 10 18 Page 3 of 3 © 2018, The Hartford (Flay include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD FIRE DEPARTMENT SERVICE CHARGE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Fire Department Service Charge (1) When the fire department is called to save or protect Covered Property from a Covered Cause of Loss, we will pay up to the Limit of Insurance shown in the Declarations for Fire Department Service Charge in any one occurrence for your liability for fire department service charges: (a) Assumed by contract or agreement prior to loss; or (b) Required by local ordinance. (2) No deductible applies to this Coverage Extension. Form SP 30 03 10 18 Page 1 of 1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEM7NT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD FIRE EXTINGUISHER RECHARGE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.5., Additional Coverages, of the Special Property Coverage Form: Fire Eptinguisher Recharge (1) You may extend the insurance that applies to Covered Property to apply to: (a) The cost of recharging or replacing, whichever is less, your fire extinguishers and fire extinguishing systems (including hydrostatic testing if needed) if they are discharged while fighting a covered fire on or within 1,000 feet of the "scheduled premises"; and (b) For direct physical loss or direct physical damage to Covered Property if such loss or damage is the result of an accidental discharge of chemicals from a fire extinguisher or fire extinguishing system. (2) No coverage will apply if the fire extinguisher or fire extinguishing system is discharged during installation or testing. (3) Nq deductible applies to this Additional Coverage. Form SP 30 0410 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) Page 1 of 1 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD GARAGES, STORAGE BUILDINGS AND OTHER APPURTENANT STRUCTURES This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Garages, Storage Buildings and Other Appurtenant Structures (1) You may extend the insurance that applies to Buildings to apply to garages, storage buildings and other appurtenant structures, except outdoor fixtures, at the "scheduled premises". (2) You may extend the insurance that applies to Business Personal Property to apply to Business Personal Property in garages, storage buildings and other appurtenant structures at the "scheduled premises". (3) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Garages, Storage Buildings, and Other Appurtenant Structures. Form SP 30 0510 18 Page 1 of 1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEM ENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD GLASS EXPENSE This endorsement (modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.5., Additional Coverages, of the Special Property Coverage Form: Glass lExpense In the event of covered loss or damage to Covered Property, we will pay the necessary expenses incurred to: (1) PUt up temporary plates or board up openings if repair or replacement of damaged glass is delayed; (2) Repair or replace encasing frames; and (3) Remove or replace obstructions when repairing or replacing glass that is part of a building; This des not include removing or replacing window displays. Form SP 30 06 10 18 © 2018, The Hartford (6)lay include copyrighted material of Insurance Services Office, Inc., with its permission) Page 1 of 1 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD LEASE ASSESSMENT This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Lease Assessment (1) You may extend the insurance that applies to Covered Property to apply to your share of any assessment charged to all tenants by the building owner as a result of direct physical damage caused by or resulting from a Covered Cause of Loss to building property you occupy as agreed to in your written lease agreement. (2) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Lease Assessment. Form SP 30 07 10 18 Page 1 of 1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD LOCK AND KEY REPLACEMENT This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Lock and Key Replacement (1) You may extend the insurance that applies to Covered Property to apply to the re -keying of locks or the repair or rep acement of locks at the "scheduled premises" following the theft or the attempted theft of keys by burglars. (2) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Lock and Key Replacement. Form SP 30 08 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) Page 1 of 1 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD PERSONAL EFFECTS This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Personal Effects (1) We will pay for direct physical loss or direct physical damage to personal effects owned by you, your officers, your partners, "managers", "members", or your "employees" caused by or resulting from a Covered Cause of Loss. (2) This Coverage Extension does not apply to: (a) Tools or equipment used in your business; and (b) Tools and small equipment owned by any "employee(s)"; (3) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Personal Effects. Form SP 30 09 10 18 Page 1 of 1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD PRESERVATION OF PROPERTY This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwie stated in this endorsement, the terms and conditions of the Policy apply. The following is a ded to Paragraph A.5., Additional Coverages, of the Special Property Coverage Form: Prese ation of Property If it is ecessary to move Covered Property from the "scheduled premises" to preserve it from direct physical loss or�Flirect physical damage by a Covered Cause of Loss, we will pay for any direct physical loss of or direct physical damage to that property: (1) While it is being moved or while temporarily stored at another location; and (2) On y if the direct physical loss or direct physical damage occurs within the number days shown in the Declarations for Preservation of Property after the property is first moved. Form SP 30 10 10 18 © 2018, The Hartford ( ay include copyrighted material of Insurance Services Office, Inc., with its permission) Page 1 of 1 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD ORDINANCE OR LAW COVERAGE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extension, of the Special Property Coverage Form: Ordinance or Law (1) Application of Coverage The coverage(s) provided by this Coverage Extension applies only if both (1)(a) and (1)(b) are satisfied and are then subject to the qualifications set forth in (1)(c). (a) The ordinance or law: (i) Regulates the demolition, construction, or repair of Buildings or "tenant improvements and betterments", or establishes zoning or land use requirements at the "scheduled premises"; and (ii) Is in force at the time of loss. But coverage under this Coverage Extension applies only in response to the minimum requirements of the ordinance or law. Losses and costs incurred in complying with recommended actions or standards that exceed actual requirements are not covered under this endorsement. (b) The Building or "tenant improvements and betterments" sustain direct physical damage: (i) That is covered under this Policy and as a result of such damage, you are required to comply with the ordinance or law; or (ii) That is both covered under this Policy and direct physical damage that is not covered under this Policy, and as a result of the Building or "tenant improvements and betterments" damage in its entirety, you are required to comply with the ordinance or law. (iii) But if the damage is not covered under this Policy, and such damage is the subject of the ordinance or law, then there is no coverage under this Coverage Extension even if the Building or "tenant improvements and betterments" have also sustained covered direct physical damage. (c) In the situation described in (1)(b)(ii) above, we will not pay the full amount of loss otherwise payable under the coverages described in (2) below. Instead, we will pay a proportion of such loss, meaning the proportion that the covered direct physical damage bears to the total direct physical damage. (Paragraph (6) of this Coverage Extension provides an example of this procedure) However, if the covered direct physical damage alone would have resulted in a requirement to comply with the ordinance or law, then we will pay the full amount of loss otherwise payable under the terms of the coverages described in (2) below. (2) Coverage (a) Undamaged Part With respect to the Building or "tenant improvements and betterments" that have sustained direct physical damage, we will pay for the loss in value of the undamaged portion of the Building or "tenant improvements and betterments" as a consequence of a requirement to comply with an ordinance or law that requires demolition of undamaged parts of the same Building or "tenant improvements and betterments". (b) Demolition Cost and Increased Cost of Construction (i) Demolition Cost With respect to the Building or "tenant improvements and betterments" that have sustained covered direct physical damage, we will pay the cost to demolish and clear the site of undamaged parts of the same Building or "tenant improvements and betterments", as a consequence of a Form SP 3011 1219 Page 1 of 3 © 2019, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. HARTFORD requirement to comply with an ordinance or law that requires demolition of such undamaged property. (ii) Increased Cost of Construction With respect to the Building or "tenant improvements and betterments" that have sustained covered direct physical damage, we will pay the increased cost to: (aa) Repair or reconstruct damaged portions of that Building or "tenant improvements and betterments"; and/or (bb) Reconstruct or remodel undamaged portions of that Building or "tenant improvements and betterments", whether or not demolition is required; when the increased cost is a consequence of a requirement to comply with the minimum standards of the ordinance or law. However this coverage applies only if the restored or remodeled property is intended for similar occupancy as the current property, unless such occupancy is not permitted by zoning or land use ordinance or law. Additionally, we will not pay for the increased cost of construction if the Building or "tenant improvements and betterments" are not repaired, reconstructed, or remodeled. Paragraph E.5.d within the Loss Payment condition does not apply to Demolition Cost and Increased Crt of Construction coverages. (3) Loss Payment (a) All following loss payment provisions (3)(b) and (3)(c) are subject to the apportionment procedure set forth in Paragraph (1)(c) of this Coverage Extension. (b) When there is a loss in value of an undamaged portion of a Building or "tenant improvements and betterments" to which Undamaged Part coverage applies, the loss payment for that Building or "tenant improvements and betterments", including damaged and undamaged portions, will be as follows: (I) If the property is repaired or replaced on the same or another premises, we will not pay more than the lesser of: (aa) The amount you actually spend to repair, rebuild, or reconstruct the Building or "tenant improvements and betterments" but not more than the amount it would cost to restore the Building or "tenant improvements and betterments" at the same premises and to the same height, floor area, style, and comparable quality of the original property insured; or (bb) The Limit of Insurance shown in the Declarations for Ordinance or Law - Undamaged Part. (ii) If the property is not repaired or replaced, we will not pay more than the lesser of: (aa) The actual cash value of the Building or "tenant improvements and betterments" at the time of loss; or (bb) The Limit of Insurance shown in the Declarations for Ordinance or Law - Undamaged Part. (c) The most we will pay for the total of all covered losses for Demolition Cost and Increased Cost of Construction coverage is the Limit of Insurance shown in the Declarations for Ordinance or Law — Demolition Cost and Increased Cost of Construction. Subject to this combined Limit of Insurance, the following loss payment provisions apply: (I) For Demolition Cost coverage, we will not pay more than the amount you actually spend to demolish and clear the site of the "scheduled premises". (ii) With respect to the Increased Cost of Construction: (aa) We will not pay for the increased cost of construction until the property is actually repaired or replaced at the same or another premises; and (bb) Unless the repairs or replacement is made as soon as reasonably possible after the loss or damage, not to exceed two years. We may extend this period in writing during the two years. Form SP 30 11 12 19 Page 2 of 3 © 2019, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (iii) If the Building or "tenant improvements and betterments" are repaired or replaced at the same premises, or if you elect to rebuild at another premises, the most we will pay for the Increased Cost of Construction Coverage is the lesser of: (aa) The increased cost of construction at the same premises; or (bb) The Limit of Insurance shown in the Declarations for Ordinance or Law — Demolition Cost and Increased Cost of Construction. (iv) If the ordinance or law requires relocation to another premises, the most we will pay for the increased cost of construction is the lesser of: (aa) The increased cost of construction at the new premises; or (bb) The Limit of Insurance shown in the Declarations for Ordinance or Law — Demolition Cost and Increased Cost of Construction. (4) Paragraph 1.i., Ordinance or Law, of Section B., EXCLUSIONS, does not apply to this Coverage Extension. (5) Additional Exclusions We will not pay under this Coverage Extension for: (a) The enforcement of or compliance with any ordinance or law which requires the demolition, repair, replacement, reconstruction, remodeling or - remediation of property due to contamination by "pollutants and contaminants" or due to the presence, growth, proliferation, spread of any activity of "fungi", wet or dry rot, bacteria or virus; (b) The costs associated with the enforcement of or compliance with any ordinance or law which requires any insured or others to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of "pollutants or contaminants", "fungi", wet or dry rot, bacteria or virus; or (c) Loss due to any ordinance or law that: (I) You were required to comply with before the loss even if the Building or "tenant improvements and betterments" were undamaged; and (ii) You failed to comply with. (6) Example of Proportionate Loss Payment for Ordinance or Law Coverage Losses (procedure as set forth in Paragraph (1)(c) of this Coverage Extension). Assume: • Wind is a Covered Cause of Loss. Flood is an excluded Cause of Loss; • The building has a value of $200,000; • Total direct physical damage to building: $100,000; • The ordinance or law in this jurisdiction is enforced when building damage equals or exceeds 50% of the building's value; • Portion of direct physical damage that is covered (caused by wind): $30,000; • Portion of direct physical damage that is not covered (caused by flood): $70,000; and • Loss under Increased Cost of Construction of this Coverage Extension: $60,000. Step 1: Determine the proportion that the covered direct physical damage bears to the total direct physical damage. $30,000 divided by $100,000 = .30 Step 2: Apply that proportion to the Ordinance or Law loss. $60,000 x .30 = $18,000 In this example, the most we will pay under this endorsement for the Increased Cost of Construction coverage is $18,000, subject to the applicable Limit of Insurance and any other applicable provisions. NOTE: The same procedure applies to losses under Undamaged Part and Demolition Cost coverage of this endorsement. Form SP 30 11 1219 Page 3 of 3 © 2019, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE ., HARTFORD VALUABLE PAPERS AND RECORDS This endorsement modifies insurance provided under the following: SPECIAL PROPErTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Valuable Papers and Records (1) You may extend the insurance that applies to Covered Property to apply to your "valuable papers and reckds" or "valuable papers and records" of others while in your care, custody or control while on or away from the "scheduled premises", including while in transit. (2) Under this Coverage Extension, we will not pay for "valuable papers and records": (a) Held as samples or for delivery after sale; (b) In storage away from the "scheduled premises"; or (c) If such "valuable papers and records" cannot be replaced with other property of like kind and quality. (3) Section B., EXCLUSIONS, does not apply to this Coverage Extension except for: (a) Exclusion B.1.b., Governmental Action; (b) Exclusion B.1.c., Nuclear Hazard; and (c) Exclusion B.1.e., War and Military Action. (4) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Valuable Papers and Records. Form SP 30 12 10 18 Page 1 of 1 © 2018, The Hartford ( ay include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD BUSINESS INCOME AND EXTRA EXPENSE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following changes are made to Section A., COVERAGE: 1. The following is added to Paragraph 6., Coverage Extensions: Business Income (1) We will pay for the actual loss of Business Income you sustain due to the necessary suspension of your "operations" during the "period of restoration". The suspension must be caused by direct physical loss or direct physical damage to property at the "scheduled premises", including personal property in the open (or in a vehicle) within 1,000 feet of the "scheduled premises", caused by or resulting from a Covered Cause of Loss. (2) With respect to the requirements set forth in the preceding paragraph, if you occupy only part of the site at which the "scheduled premises" are located, your "scheduled premises" also means: (a) The portion of the building which you rent, lease or occupy; and (b) The area within 1,000 feet of the building or within 1,000 feet of the "scheduled premises", whichever distance is greater (with respect to loss of or damage to personal property in the open or personal property in a vehicle); and (c) Any area within the building or on the site at which the "scheduled premises" are located, but only if that area services, or is used to gain access to, the "scheduled premises". (3) Business Income means the: (a) Net Income (Net Profit or Loss before income taxes) that would have been earned or incurred if no direct physical loss or direct physical damage had occurred, but not including any Net Income that would likely have been earned as a result of an increase in the volume of business due to favorable business conditions caused by the impact of the Covered Cause of Loss on customers or on other businesses; and (b) Continuing normal operating expenses incurred, including payroll expenses. (4) Payroll expenses includes: (a) Payroll; (b) Employee benefits; if directly related to payroll; (c) FICA payments you pay; (d) Union dues you pay; and (e) Workers' compensation premiums. (5) With respect to the coverage provided in this Coverage Extension, suspension means: (a) The partial slowdown or complete cessation of your business activities; or (b) That part or all of the "scheduled premises" is rendered untenantable as a result of a Covered Cause of Loss if coverage for Business Income applies to the Coverage Part. (6) We will not pay for any increase of Business Income loss caused by or resulting from: (a) Delay in rebuilding, repairing or replacing the property or resuming "operations", due to interference at the location of the rebuilding, repair or replacement by strikers or other persons; (b) Suspension, lapse or cancellation of any license, lease or contract. But if the suspension, lapse or cancellation is directly caused by the suspension of "operations', we will cover such loss that affects your Business Income during the "period of restoration"; or Form SP 30 13 10 18 Page 1 of 3 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEM ENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (c�II Any other consequential loss. (7) Ydu must resume all or part of your "operations" as quickly as possible. We will reduce the amount of your Business Income loss to the extent you can resume your "operations", in whole or in part, by using dalmaged or undamaged property (including merchandise or "stock") at the "scheduled premises" or els�IIewhere. (8) Urider this Coverage Extension, coverage for Business Income does not apply when the suspension of "operations" is caused by destruction or corruption of "electronic data", or any loss or damage to "elctronic data". (9) A waiting period may apply, however, no other deductible applies to this Coverage Extension. 2. The following i added to Paragraph 6., Coverage Extensions: Extended Business Income (1) If he necessary suspension of your "operations" produces a Business Income loss payable under the Business Income Coverage Extension, we will pay for the actual loss of Business Income you incur dining the period that: (a Begins on the date property, other than finished "stock", is actually repaired, rebuilt or replaced and "operations" are resumed; and (b Ends on the earlier of: (i) The date you could restore your "operations" with reasonable speed, to the condition that would have existed if no direct physical loss or direct physical damage occurred; or (ii) 45 consecutive days after the date determined in Paragraph (1)(a) above, unless a different time period is shown in the Declarations for Extended Business Income. However, Extended Business Income does not apply to loss of Business Income incurred as a result of unfavorable business conditions caused by the impact of the Covered Cause of Loss in the area where the "scheduled premises" is located. (2) W h respect to the coverage provided in this Coverage Extension, suspension means: (a The partial slowdown or complete cessation of your business activities; and (b That a part or all of the "scheduled premises" is rendered untenantable as a result of a Covered Cause of Loss. (3) W will not pay for any Extended Business Income loss caused by or resulting from: (a) Delay in rebuilding, repairing or replacing the property or resuming "operations", due to interference at the location of the rebuilding, repair or replacement by strikers or other persons; (b) Suspension, lapse or cancellation of any license, lease or contract. But if the suspension, lapse or cancellation is directly caused by the suspension of "operations', we will cover such loss that affects your Business Income during the "period of restoration"; or (c) Any other consequential loss. (4) No deductible applies to this Coverage Extension. 3. The following is added to Paragraph 6., Coverage Extensions: Extra xpense (1) lik/ will pay reasonable and necessary Extra Expense you incur during the "period of restoration" that you would not have incurred if there had been no direct physical loss or direct physical damage to property at the "scheduled premises", including personal property in the open (or in a vehicle) within 1,000 feet, caused by or resulting from a Covered Cause of Loss. (2) With respect to the requirements set forth in the preceding paragraph, if you occupy only part of the site at Which the "scheduled premises" are located, your "scheduled premises" also means: (a) The portion of the building which you rent, lease or occupy; and Form SP 30 1310 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) Page 2 of 3 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (b) The area within 1,000 feet of the building or within 1,000 feet of the "scheduled premises", whichever distance is greater (with respect to loss of or damage to personal property in the open or personal property in a vehicle); and (c) Any area within the building or on the site at which the "scheduled premises" are located, but only if that area services, or is used to gain access to, the "scheduled premises". (3) Extra Expense means expense incurred: (a) To avoid or minimize the suspension of business and to continue "operations": (i) At the "scheduled premises"; or (ii) At replacement premises or at temporary locations, including: (aa) Relocation expenses; and (bb) Cost to equip and operate the replacement or temporary location, other than those costs necessary to repair or to replace damaged "stock" and equipment. (b) To minimize the suspension of business if you cannot continue "operations". (c) To: (i) Repair or replace any property; or (ii) Research, replace or restore the lost information on damaged "valuable papers and records"; to the extent it reduces the amount of loss that otherwise would have been payable under this Coverage Extension or the Business Income Coverage Extension. (4) With respect to the coverage provided in this Coverage Extension, suspension means: (a) The partial slowdown or complete cessation of your business activities; or (b) That part or all of the "scheduled premises" is rendered untenantable as a result of a Covered Cause of Loss if coverage for Extra Expense applies to the Coverage Part. (5) This Extra Expense Coverage Extension does not apply to: (a) Any deficiencies in insuring Building or Business Personal Property; or (b) Any expense related to any recall of products you manufacture, handle or distribute. (6) We will deduct from the total Extra Expense to be paid: (a) The salvage value that remains of any property bought for temporary use during the "period of restoration", once "operations" are resumed; and (b) Any Extra Expense that is paid for by other insurance. (7) We will not pay for any Extra Expense caused by or resulting from: (a) Delay in rebuilding, repairing or replacing the property or resuming "operations", due to interference at the location of the rebuilding, repair or replacement by strikers or other persons; (b) Suspension, lapse or cancellation of any license, lease or contract. But if the suspension, lapse or cancellation is directly caused by the suspension of "operations', we will cover such loss that affects your Business Income during the "period of restoration"; or (c) Any other consequential loss (8) You must resume all or part of your "operations" as quickly as possible. We will reduce the amount of your Extra Expense loss to the extent you can return "operations" to normal and discontinue such Extra Expense (9) Under this Coverage Extension, coverage for Extra Expense does not apply when the suspension of "operations" is caused by destruction or corruption of "electronic data", or any loss or damage to "electronic data". (10)No deductible applies to this Coverage Extension. Form SP 30 1310 18 Page 3 of 3 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSE ENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD BUSINES INCOME FROM DEPENDENT PROPERTIES This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following 's added to Paragraph A.6., Coverage Extensions: Business Income From Dependent Properties (1) Ae will pay the actual loss of Business Income you sustain and necessary Extra Expense you incur during the "dependent property period of restoration" due to direct physical loss or direct physical damage atthe premises of a "dependent property" or "secondary dependent property" caused by or resulting from overed Cause of Loss. a H pr or lo nc �wever, this Coverage Extension does not apply when the only loss at the premises of a "dependent operty" or "secondary dependent property" is loss or damage to "electronic data", including destruction corruption of "electronic data". If the "dependent property" or "secondary dependent property" sustains ss or damage to both "electronic data" and other property, coverage under this Coverage Extension will t continue once the other property is repaired, rebuilt or replaced. (2) Coverage provisions respecting direct physical loss or direct physical damage will apply separately to each "dependent property" and "secondary dependent property" premises. (3) Business Income means the: (al) Net Income (Net Profit or Loss before income taxes) that would have been earned or incurred if no direct physical loss or direct physical damage at the premises of a "dependent property" or "secondary dependent property" had occurred, but not including any Net Income that would likely have been earned as a result of an increase in the volume of business due to favorable business conditions caused by the impact of the Covered Cause of Loss on customers or on other businesses; and ( ) Continuing normal operating expenses incurred, including payroll. (4) Payroll expenses include: (a) Payroll; (II) Employee benefits; if directly related to payroll; (a FICA payments you pay; ( ) Union dues you pay; and (e Workers' compensation premiums. (5) E tra Expense means expense incurred: (a) To avoid or minimize the suspension of business and to continue "operations"; (p) To minimize the suspension of business if you cannot continue "operations"; or (c) To: (i) Repair or replace any property; or (ii) Research, replace or restore the lost information on damaged "valuable papers and records"; to the extent it reduces the amount of loss that otherwise would have been payable under this Coverage Extension. (6) Extra Expense does not apply to: ( Any deficiencies in insuring building or business personal property; or ( ) Any expense related to any recall of products you manufacture, handle or distribute. (7) ith respect to the coverage provided in this Coverage Extension, suspension means the partial slowdown or complete cessation of your business activities. Form SP 301416 18 Page 1 of 3 © 2018, The Hartford Nay include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (8) We will deduct from the total Extra Expense to be paid: (a) The salvage value that remains of any property bought for temporary use during the "dependent property period of restoration", once business operations are resumed; and (b) Any Extra Expense that is paid for by other insurance. (9) You must resume all or part of your "operations" as quickly as possible. We will reduce the amount of your Business Income loss, other than Extra Expense, to the extent you can resume "operations", in whole, or in part, by using any other available: (a) Sources of materials; or (b) Outlet for your products. (10)We will not pay for any Extra Expense or increase of Business Income loss caused by or resulting from: (a) Delay in rebuilding, repairing or replacing the property or resuming "operations", due to interference at the location of the rebuilding, repair or replacement by strikers or other persons; or (b) Suspension, lapse or cancellation of any license, lease or contract. But if the suspension, lapse or cancellation is directly caused by the suspension of "operations', we will cover such loss that affects your Business Income during the "dependent property period of restoration". (c) Any other consequential loss. (11)A waiting period may apply to Business Interruption, however, no other deductible applies to this Coverage Extension. (12)The most we will pay in any one occurrence under this Coverage Extension is the limit shown in the Declarations for Business Income From Dependent Properties. B. The following changes are made to Section G. PROPERTY DEFINITIONS: 1. The following definition is added: "Dependent property" means property owned, leased or operated by others whom you depend on to: a. Deliver materials or services to you or to others for your account. But services do not include: (1) Water, wastewater removal, communication, power services or any other utility services; or (2) Any type of web site, or Internet service. b. Accept your products or services; c. Manufacture your products for delivery to your customers under contract for sale; or d. Attract customers to your business premises. The "dependent property" must be located in the coverage territory of this Coverage Part. 2. The following definition is added: "Dependent property period of restoration" a. Means the period of time that: (1) Begins: (a) The number of hours shown in the Declarations after the time of direct physical loss or direct physical damage for Business Income for Dependent Properties coverage; or (b) Immediately after the time of direct physical loss or direct physical damage for Extra Expense coverage; caused by or resulting from any Covered Cause of Loss at the "dependent property" or "secondary dependent property"; and (2) Ends on the earlier of: (a) The date when the property at the "dependent property" or "secondary dependent property" should be repaired, rebuilt or replaced with reasonable speed and similar quality; or (b) Exhaustion of the number of consecutive months as shown on the Declarations as the Business Income for Dependent Properties Period of Restoration. b. Does not include any increased period required due to enforcement of or compliance with any ordinance or law that (1) Regulates the construction, use or repair, or requires the tearing down of any property; or Form SP 30 1410 18 Page 2 of 3. © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (2) Requires any insured or others to test for, clean up, remove, contain, treat, detoxify, or neutralize, or in any way respond to "pollutants and contaminants". The expiration date of this Coverage Part will not cut short the "dependent property period of restoration". 3. The followi g definition is added: "Secondar r dependent property" a. Means an entity which is not owned, leased or operated by a "dependent property" and which: (1) Deliver 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. b. A road, bridge, tunnel, waterway, airfield, pipeline or any other similar area or structure is not a "secondary dependent property". c. Any property which delivers any of the following services is not a "secondary dependent property" with respect to such services: (1) Water, wastewater removal, communication, power services or any other utility services; or (2) Any type of web site, or Internet service. The "secondary dependent property" must be located in the coverage territory of this Coverage Part. Form SP 30 1410 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) Page 3 of 3 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD FORGERY COVERAGE (INCLUDING CREDIT CARDS, CURRENCY AND MONEY ORDERS) This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Paragraph A.6., Coverage Extensions: Forgery (1) We will pay for loss resulting directly from forgery or alteration of any check, draft, promissory note, bill of exchange or similar written promise of payment in "money" that you or your agent has issued, or that was issued by someone who impersonates you or your agent. This includes written instruments required in conjunction with any credit, debit, or charge card issued to you or any "employee" for business purposes. (2) If you are sued for refusing to pay the check, draft, promissory note, bill of exchange or similar written promise of payment in "money" on the basis that it has been forged or altered, and you have our written consent to defend against the "suit", we will pay for any reasonable legal expenses that you incur and pay in that defense. (3) We will pay for loss resulting directly from your having accepted in good faith, in exchange for merchandise, "money" or services: (a) Money orders, including counterfeit money orders, issued by any post office, express company or bank that are not paid upon presentation; and (b) "Counterfeit money" that is acquired during the regular course of business. (4) For the purpose of this Coverage Extension, check includes a substitute check as defined in the Check Clearing for the 21. Century Act and will be treated the same as the original it replaced. (5) We will treat mechanically reproduced facsimile signatures the same as handwritten signatures. (6) You must include with your proof of loss any instrument involved in that loss, or, if that is not possible, an affidavit setting forth the amount and cause of loss. (7) With respect to this Coverage Extension only, Paragraphs F.5.b.(1) through F.5.b.(3) are deleted and replaced with the following: Anywhere in the world. (8) All loss: (a) Caused by one or more persons; or (b) Involving a single actor series of related acts; is considered one occurrence. (9) Additional Conditions: (a) Discovery Period for Loss We will pay only for covered loss discovered no later than one year from the end of the policy period. Discovery of loss occurs when you first become aware of facts which would cause a reasonable person to assume that a loss covered by this Coverage Part has been, or may be incurred even though the exact amount or the details of the loss may not then be known. Discovery also occurs when you receive notice of an actual or potential claim against you alleging facts, which if true, would be a covered loss under this Coverage Part. (b) Non -Cumulation of Limit of Insurance Regardless of the number of years this Coverage Part remains in force or the number of premiums paid, no Limit of Insurance cumulates from year to year or period to period. Form SP 30 1612 19 Page 1 of 2 © 2019, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (c Ownership of Property, Interests Covered The property covered under this Coverage Part is limited to property (i) That you own or hold; or (ii) For which you are legally liable. However, tinsurance is for your benefit only. It provides no rights or benefits to any other person I or organizahis tion (10)TI a most we will pay in any one occurrence, including legal expenses, under this Coverage Extension is the Limit of Insurance shown in the Declarations for Forgery Coverage. B. The following changes are made to Section G., PROPERTY DEFINITIONS: 1. The followiIng definition is added: "Counterfit money" means an imitation of "money" that is intended to deceive and to be taken as genuine. Form SP 30 1612 19 © 2019, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) Page 2 of 2 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD ARSON AND THEFT REWARD This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Arson and Theft Reward (1) In the event that a covered fire loss was the result of an act of arson, we will reimburse you for rewards you pay for information leading to convictions for that act of arson. (2) In the event of a covered theft loss, we will reimburse you for rewards you pay for information leading to convictions for the theft loss. (3) No deductible applies to this Coverage Extension. (4) The most we will pay to reimburse you in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Arson and Theft Reward. Form SP 30 1810 18 Page 1 of 1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD BUSINESS INCOME FOR CIVIL AUTHORITY ACTIONS This endorsement Modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwi a stated in this endorsement, the terms and conditions of the Policy apply. A. The following i added to Paragraph A.6., Coverage Extensions: Busin ss Income for Civil Authority Actions (1) Wien a Covered Cause of Loss causes direct physical loss or direct physical damage to property other th n at the "scheduled premises", we will pay for the actual loss of Business Income you sustain and neessary Extra Expense you incur during the "civil authority period of restoration" caused by action of civil authority that prohibits access to the "scheduled premises" provided that both of the following apply: (a) Access to the area immediately surrounding the damaged property is prohibited by civil authority as a result of the damage, and the "scheduled premises" are within that area but are not more than one mile from the damaged property; and (bi The action of civil authority is taken in response to dangerous physical conditions resulting from the 11 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. (2) W th respect to the requirements set forth in the preceding paragraph, if you occupy only part of the site at (which the "scheduled premises" are located, your "scheduled premises" also means: (a) The portion of the building which you rent, lease or occupy; and (b) The area within 1,000 feet of the building or within 1,000 feet of the "scheduled premises", whichever distance is greater (with respect to loss of or damage to personal property in the open or personal property in a vehicle); and (c) Any area within the building or on the site at which the "scheduled premises" are located, but only if that area services, or is used to gain access to, the "scheduled premises". (3) Business Income means the: (a) Net Income (Net Profit or Loss before income taxes) that would have been earned or incurred if access to the "scheduled premises" had not been prohibited by action of civil authority, but not including any Net Income that would likely have been earned as a result of an increase in the volume of business due to favorable business conditions caused by the impact of the Covered Cause of Loss on customers or on other businesses; and (b Continuing normal operating expenses incurred, including payroll expenses. (4) Payroll expenses include: (a) Payroll; (b) Employee benefits; if directly related to payroll; (c) FICA payments you pay; (d) Union dues you pay; and (e) Workers' compensation premiums. (5) E tra Expense means expense incurred: (a$ To avoid or minimize the suspension of business and to continue "operations"; (b) To minimize the suspension of business if you cannot continue "operations"; or (c) To: (i) Repair or replace any property; or Form SP 30 19 1l19 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) Page 1 of 2 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (ii) Research, replace or restore the lost information on damaged "valuable papers and records"; to the extent it reduces the amount of loss that otherwise would have been payable under this Coverage Extension. (6) Extra Expense does not apply to: (a) Any deficiencies in insuring Building or Business Personal Property; or (b) Any expense related to any recall of products you manufacture, handle or distribute. (7) With respect to the coverage provided in this Coverage Extension, suspension means the partial slowdown or complete cessation of your business activities. (8) We will deduct from the total Extra Expense to be paid: (a) The salvage value that remains of any property bought for temporary use during the "civil authority period of restoration", once business operations are resumed; and (b) Any Extra Expense that is paid for by other insurance. (9) We will not pay for any increase of Business Income or Extra Expense loss caused by or resulting from: (a) Delay in rebuilding, repairing or replacing the property or resuming "operations", due to interference at the location of the rebuilding, repair or replacement by strikers or other persons; or (b) Suspension, lapse or cancellation of any license, lease or contract. But if the suspension, lapse or cancellation is directly caused by the suspension of "operations', we will cover such loss that affects your Business Income during the "civil authority period of restoration"; (c) Any other consequential loss. (10)A waiting period may apply, however, no other deductible applies to this Coverage Extension. B. The following definition is added to Section G., PROPERTY DEFINITIONS: "Civil authority period of restoration" a. Means the period of time that: (1) Begins: (a) The number of hours shown in the Declarations after action of civil authority for Business Income for Civil Authority Actions coverage; or (b) Immediately after the action of civil authority damage for Extra Expense coverage; and (2) Ends on the earlier of: (a) When access to your "scheduled premises" is permitted; or (b) 30 consecutive days after the order of the civil authority unless a different time period is shown in the Declarations as the Business Income for Civil Authority Actions Duration of Coverage. b. Does not include any increased period required due to enforcement of or compliance with any ordinance or law that: (1) Regulates the construction, use or repair, or requires the tearing down of any property; or (2) Requires any insured or others to test for, clean up, remove, contain, treat, detoxify, or neutralize, or in any way respond to "pollutants and contaminants". The expiration date of this Coverage Part will not cut short the "civil authority period of restoration". Form SP 30 1910 18 Page 2 of 2 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEM NT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. HARTFORD POLLUTANTS AND CONTAMINANTS CLEAN UP AND REMOVAL This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: "Pollutants and Contaminants" Clean Up and Removal (1) We will pay your expense to extract "pollutants and contaminants" from land or water at the "scheduled premises" if the discharge, dispersal, seepage, migration, release or escape of the "pollutants and contaminants" is caused by or results from a Covered Cause of Loss that occurs during the policy period. Th expenses will be paid only if they are reported to us in writing within 180 days of the date on which the Co ered Cause of Loss occurs. (2) Thi Coverage Extension does not apply to costs to test for, monitor or assess the existence, con entration or effects of "pollutants and contaminants". But we will pay for testing which is performed in thehoarse of extracting the "pollutants and contaminants" from the land or water. (3) Par graph 2.1., Pollution, of Section B., EXCLUSIONS, does not apply to this Coverage Extension. (4) Th most we will pay in any one occurrence under this Coverage Extension for the sum of all such exp nses arising out of Covered Causes of Loss, is the Limit of Insurance shown in the Declarations for Pollutants and Contaminants Clean Up and Removal. Form SP 30 20 10 18 Page 1 of 1 © 2018, The Hartford (Ik/ay include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD IDENTITY RECOVERY FOR BUSINESSOWNERS AND EMPLOYEES This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Identity Recovery for Businessowners and Employees (1) We will provide the Case Management Service and Expense Reimbursement Coverage indicated below if all of the following requirements are met (a) There has been an "identity theft" involving the personal identity of an "identity recovery insured" under this Coverage Part; (b) Such "identity theft" is first discovered by the "identity recovery insured" during the policy period for which this Coverage Extension is applicable; and (c) Such "identity theft" is reported to us as soon as practicable but in no event later than 60 days after it is first discovered by the "identity recovery insured." (2) If all three of the requirements listed above have been met, then we will provide the following to the "identity recovery insured": (a) Case Management Service Services of an "identity recovery case manager" as needed to respond to the "identity theft"; and (b) Expense Reimbursement Reimbursement of necessary and reasonable "identity recovery expenses" incurred as a direct result of the "identity theft." (3) Additional Exclusions Under this Coverage Extension, we will not cover loss or expense arising from any of the following: (a) Theft of a professional or business identity; (b) Any fraudulent, dishonest or criminal act by an "identity recovery insured" or any person aiding or abetting an "identity recovery insured", or by any authorized representative of an "identity recovery insured", whether acting alone or in collusion with others. However, this exclusion shall not apply to the interests of an "identity recovery insured" who has no knowledge of or involvement in such fraud, dishonesty or criminal act; (c) Loss other than "identity recovery expenses"; (d) An "identity theft" that is first discovered by the "identity recovery insured" prior to or after the policy period for which this Coverage Extension applies. This exclusion applies whether or not such "identity theft" began or continued during the period of coverage; (e) An "identity theft" that is not reported to us within 60 days after it is first discovered by the "identity recovery insured."; or (f) An "identity theft" that is not reported in writing to the police. (4) Limits of Insurance (a) The most we will pay in any one "policy year" per "identity recovery insured" under this Coverage Extension is the Limit of Insurance shown in the Declarations for Identity Recovery Coverage for Businessowners and Employees. Regardless of the number of claims, this limit is the most we will pay for the total of all loss or expense arising out of all "identity thefts" to any one "identity recovery insured" which are first discovered by the "identity recovery insured" during a 12 -month period starting with the beginning of the present annual policy period. If an "identity theft" is first discovered in one policy period and continues into other policy periods, all loss and expense arising from such Form SP 30 22 06 22 Page 1 of 4 © 2022, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD "identity theft" will be subject to the "policy year" limit applicable to the policy period when the "identity theft" was first discovered. (I) Legal costs as provided under Paragraph d. of the definition of "identity recovery expenses" are part of, and not in addition to, the Limit of Insurance for this Coverage Extension. (ii) Lost Wages and Child and Elder Care Expenses as provided under Paragraphs e. and f. of the definition of "identity recovery expenses" are jointly subject to a sublimit of $250 per day, not to exceed $5,000 total (unless a different sublimit is displayed in the Declarations). This sublimit is part of, and not in addition to, the Limit of Insurance for this Coverage Extension. Coverage is limited to lost wages and expenses incurred within 12 months after the first discovery of the "identity theft" by the "identity recovery insured". (iii) Mental Health Counseling as provided under Paragraph g. of the definition of "identity recovery expenses" is subject the Mental Health sublimit shown in the Declarations. This sublimit is part of, and not in addition to, the Limit of Insurance for this Coverage. Coverage Extension is limited to counseling that takes place within 12 months after the first discovery of the "identity theft" by the "identity recovery insured". (b) Case Management Service is available as needed for any one "identity theft" for up to 12 consecutive months from the inception of the service. Expenses we incur to provide Case Management Service are part of, and not in addition to, the Limit of Insurance for this Coverage Extension. (5) Deductible (a No deductible applies to the Case Management Service coverage. (b) All other coverage provided under this Coverage Extension is subject to the Deductible shown in the Declarations for this Coverage Extension. Any one "identity recovery insured" shall be responsible for only one Deductible under this Coverage Extension during any one "policy year". (6) Additional Conditions (a) Assistance and Claims (i) For assistance, the "identity recovery insured" should call the Claims Service Center at (800-327- 3638) (ii) The Claims Service Center can provide the "identity recovery insured" with: (aa)Resources for how to respond to a possible "identity theft". (iii) In some cases, we may provide Case Management services at our expense to an "identity recovery insured" prior to a determination that a covered "identify theft" has occurred. Our provision of such services is not an admission of liability under the Coverage Part. We reserve the right to deny further coverage or service if, after investigation, we determine that a covered "identify theft" has not occurred. (iv) As respects Expense Reimbursement Coverage, the "identity recovery insured" must send to us, within 60 days after our request, receipts, bills or other records that support his or her claim for "identity recovery expenses." (b Discovery Period for Loss We will pay only for covered loss discovered no later than one year from the end of the policy period. Discovery of loss occurs when you first become aware of facts which would cause a reasonable person to assume that a loss covered by this Coverage Part has been, or may be incurred even though the exact amount or the details of the loss may not then be known. Discovery also occurs when you receive notice of an actual or potential claim against you alleging facts, which if true, would be a covered loss under this Coverage Part. (c) Non -Cumulation of Limit of Insurance Regardless of the number of years this Coverage Part remains in force or the number of premiums paid, no Limit of Insurance cumulates from year to year or period to period. Form SP 30 22 06 22 Page 2 of 4 © 2022, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (d) Services The following conditions apply as respects any services provided by us or our designees to any "identity recovery insured" under this endorsement: (i) Our ability to provide helpful services in the event of an "identity theft" depends on the cooperation, permission and assistance of the "identity recovery insured." (ii) All services may not be available or applicable to all individuals. For example, "identity recovery insureds" who are minors or foreign nationals may not have credit records that can be provided or monitored. Service in Canada will be different from service in United States and Puerto Rico in accordance with local conditions. (iii) We do not warrant or guarantee that our services will end or eliminate all problems associated with an "identity theft" or prevent future "identity thefts." B. The following changes are made to Section G., PROPERTY DEFINITIONS: 1. The following definition is added: "Identity recovery case manager" means one or more individuals assigned by us to assist an "identity recovery insured" with communications we deem necessary for re-establishing the integrity of the personal identity of the "identity recovery insured." This includes, with the permission and cooperation of the "identity recovery insured," written and telephone communications with law enforcement authorities, governmental agencies, credit agencies and individual creditors and businesses. 2. The following definition is added: "Identity recovery expenses" means the following when they are reasonable and necessary expenses that are incurred in the United States or Canada as a direct result of an "identity theft": Costs for re -filing applications for loans, grants or other credit instruments that are rejected solely as a result of an "identity theft." b. Costs for notarizing affidavits or other similar documents, long distance telephone calls and postage solely as a result of your efforts to report an "identity theft" or amend or rectify records as to your true name or identity as a result of an "identity theft." Costs for up to twelve (12) credit reports from established credit bureaus dated within 12 months after your knowledge or discovery of an "identity theft." d. Legal Costs Fees and expenses for an attorney approved by us for: (1) Defending any civil suit brought against an "identity recovery insured" by a creditor or collection agency or entity acting on behalf of a creditor for non-payment of goods or services or default on a loan as a result of an "identity theft"; and (2) Removing any civil judgment wrongfully entered against an "identity recovery insured" as a result of the "identity theft." Lost Wages Actual lost wages of the "identity recovery insured" for time reasonably and necessarily taken away from work and away from the work premises. Time away from work includes partial or whole work days. Actual lost wages may include payment for vacation days, discretionary days, floating holidays and paid personal days. Actual lost wages does not include sick days or any loss arising from time taken away from self-employment. Necessary time off does not include time off to do tasks that could reasonably have been done during non- working hours. f. Child and Elder Care Expenses Actual costs for supervision of children or elderly or infirm relatives or dependents of the "identity recovery insured" during time reasonably and necessarily taken away from such supervision. Such care must be provided by a professional care provider who is not a relative of the "identity recovery insured". Form SP 30 22 06 22 Page 3 of 4 © 2022, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD g. MentI Health Counseling Actual costs for counseling from a licensed mental health professional. Such care must be provided by a professional care provider who is not a relative of the "identity recovery insured". 3. The followiing definition is added: "Identity r covery insured" means the following: a. A full time "employee" of the entity insured under this Coverage Part; or b. The owner of the entity insured under this Coverage Part who meets any of the following criteria: (1) A sole proprietor of the insured entity; (2) A partner in the insured entity; or (3) An individual having an ownership position of 20% or more of the insured entity. An "identity recovery insured" must always be an individual person. The entity insured under this Coverage Part is not an "identity recovery insured." 4. The following definition is added: "Identity theft" means the fraudulent use of the social security number or other method of identifying an "identity recovery insured." This includes fraudulently using the personal identity of an "identity recovery insured" to establish credit accounts, secure loans, enter into contracts or commit crimes. "Identty theft" does not include the fraudulent use of a business name, d/b/a or any other method of identifying a business activity. 5. The following definition is added: "Policy year" means the period of time that a. Begin with the inception or anniversary date of this Coverage Part; and b. Ends t the expiration or at the next anniversary date of this Coverage Part. Form SP 30 22 06 22 © 2022, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) Page 4 of 4 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD ACCOUNTS RECEIVABLE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Accounts Receivable (1) You may extend the insurance that applies to Covered Property to apply to your accounts receivable while at or away from the "scheduled premises", including while in transit. Under this Coverage Extension, we will pay for: (a) All amounts due from your customers that you are unable to collect; (b) Interest charges on any loan required to offset amounts you are unable to collect pending our payment of these amounts; (c) Collection expenses in excess of your normal collection expenses that are made necessary by the physical loss or physical damage; and (d) Other reasonable expenses that you incur to reestablish your records of accounts receivable; that result from direct physical loss or direct physical damage by a Covered Cause of Loss to your records of accounts receivable. (2) Section B., EXCLUSIONS, do not apply to this Coverage Extension except for: (a) Exclusion B.1.b., Governmental Action; (b) Exclusion B.1.c., Nuclear Hazard; (c) Exclusion B.1.e., War and Military Action; (d) Exclusion B.2.g., Dishonesty; (e) Exclusion B.2.h. False Pretense; and (f) Exclusions B.3.a., Weather Conditions, through B.3.c., Negligent Work. (3) Under this Coverage Extension, we will not pay for: (a) Loss or damage caused by or resulting from alteration, falsification, concealment or destruction of records of 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; (b) Loss or damage caused by or resulting from bookkeeping, accounting, or billing errors or omissions; or (c) Any loss or damage that requires any audit of records or any inventory computation to prove its factual existence. (4) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Accounts Receivable. Form SP 30 23 10 18 Page 1 of 1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD NEWLY A QUIRED OR CONSTRUCTED PROPERTY This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Newly Acquired or Constructed Property (1) Buildings Wen a Limit of Insurance shown is in the Declarations for Newly Acquired or Constructed Building, you mad y extend the insurance that applies to Buildings to apply to: (a) Your new buildings while being built on the "scheduled premises"; and (b) Buildings you acquire at locations other than the "scheduled premises", intended for: (I) Similar use as the Building described in the Declarations; or (ii) Use as a warehouse. Thie most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Newly Acquired or Constructed Building. (2) Business Personal Property (a When a Limit of Insurance shown is in the Declarations for Newly Acquired or Constructed Business Personal Property, you may extend the insurance that applies to Business Personal Property to apply to: (i) Business Personal Property, including such property that you newly acquire, at any location you acquire; (ii) Business Personal Property, including such property that you newly acquire, located at your newly acquired or constructed buildings located at the "scheduled premises"; or (iii) Business Personal Property that you newly acquire, located at the "scheduled premises". (b) This extension does not apply to: (I) Personal property that you temporarily acquire in the course of installing or performing work on such property; (ii) Personal property of others that you temporarily acquire in the course of your wholesaling activity. The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Newly Acquired or Constructed Business Personal Property. (d If Covered Property is moved to a new premises endorsed onto this policy, from a "scheduled premises" being endorsed off this policy, the Limit of Insurance applicable to that vacated premises will apply proportionately to both premises as the property is moved. This coverage applies to up to 180 days after the move begins or upon completion of the move, whichever is sooner. This coverage does not apply to Business Personal Property while in transit. (3) Business Income (a When a Limit of Insurance is shown in the Declarations for Newly Acquired or Constructed Business Income and Extra Expense, you may extend the insurance that applies to the Business Income and Extra Expense Coverage Extensions when such Coverage Extensions are attached to this Coverage Part to apply to newly acquired or constructed locations. (bl The most we will pay in any one occurrence under this Coverage Extension is the lesser of: (i) The actual loss of Business Income and incurred Extra Expense you sustain; or (ii) The Limit of Insurance shown in the Declarations for Newly Acquired or Constructed Business Income and Extra Expense. (c Form SP 30 24 12 21 © 2021, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) Page 1 of 2 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE=' HARTFORD (4) Insurance under this Coverage Extension for each newly acquired or constructed property will end when any of the following first occurs: (a) This Coverage Part expires; (b) 180 days after you acquire or begin construction of that part of the building that would qualify as Covered Property, or (c) You report values to us. We will charge you additional premium for values reported from the date you acquire the property or begin construction of that part of the building that would qualify as Covered Property. Form SP 30 2412 21 Page 2 of 2 © 2021, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD OUTDOOR PROPERTY This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Outdoor Property (1) Yogi may extend the insurance provided by this Coverage Part to apply to your outdoor fences, signs (other than signs attached to buildings), radio and television antennas (including satellite dishes), trees, shrubs and plants (other than trees, shrubs or plants which are part of a vegetated roof), including debris removal expense. Loss or damage must be caused by or result from any of the following causes of loss: (a) (b) (c) (d) (e) (f) (9) (2) Ex' (3) Th most we will pay in any one occurrence, including debris removal expense, under this Coverage Extnsion is the Limit of Insurance shown in the Declarations for Outdoor Property. Subject to all aforementioned terms and limitations of coverage, this Coverage Extension includes the expense of removing from the described premises the debris of trees, shrubs and plants which are the property of others, except in the situation in which you are a tenant and such property is owned by the landlord of the described premises. Fire; Lightning; Windstorm; Ice, Snow, Sleet or Hail; Explosion; Riot or Civil Commotion; or Aircraft. Iusion B.2.i., Exposed Property, does not apply to this Coverage Extension. Form SP 30 2512 21 © 2021, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) Page 1 of 1 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD PROPERTY OFF -PREMISES This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Property Off -Premises (1) You may extend the insurance that applies to Covered Property, other than "money" and "securities", "valuable papers and records" or accounts receivable, to apply to such property in your care, custody or control while it is in the course of transit or at a premises you do not own, lease or operate. (2) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Property Off -Premises. Form SP 30 26 10 18 Page 1 of 1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE ._." HARTFORD WATER DAMAGE, OTHER LIQUID, POWDER OR MOLTEN MATERIAL DAMAGE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.5., Additional Coverages, of the Special Property Coverage Form: Water Damage, Other Liquid, Powder or Molten Material Damage (1) If direct physical loss or direct physical damage caused by or resulting from covered water or other liquid, powder or molten material damage loss occurs, we will also pay the cost to tear out and replace any part of the building or structure to repair damage to the system or appliance from which the water or other substance escapes. (2) We will not pay the cost to repair any defect that caused the direct physical loss or direct physical damage except as provided in the Equipment Breakdown Additional Coverage if such Additional Coverage is attached to this Coverage Part. 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 (b) Is directly caused by freezing. Form SP 30 2710 18 Page 1 of 1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD MONEY AND SECURITIES COVERAGE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Money and Securities (1) We will pay for loss of "money" and "securities" used in your business while at: a bank or savings institution, within your living quarters or the living quarters of your partners or any "employee" having use and custody of the property, at the "scheduled premises", or in transit between any of these places, resulting directly from: (a) Theft; (b) Disappearance; or (c) Destruction. (2) In addition to the Limitations and Exclusions applicable to this Coverage Part, we will not pay for loss: (a) Resulting from accounting or arithmetical errors or omissions; (b) Due to the giving or surrendering of property in any exchange or purchase; or (c) Loss or damage to "money" and "securities" following and directly related to the use of any "computer" to fraudulently cause a transfer of that property. (3) All loss: (a) Caused by one or more persons; or (b) Involving a single act or series of related acts; is considered one occurrence. (4) You must keep records of all "money" and "securities" so we can verify the amount of any loss or damage. (5) Additional Conditions: (a) Discovery Period for Loss We will pay only for covered loss discovered no later than one year from the end of the policy period. Discovery of loss occurs when you first become aware of facts which would cause a reasonable person to assume that a loss covered by this Coverage Part has been, or may be incurred even though the exact amount or the details of the loss may not then be known. Discovery also occurs when you receive notice of an actual or potential claim against you alleging facts, which if true, would be a covered loss under this Coverage Part. (b) Non -Cumulation of Limit of Insurance Regardless of the number of years this Coverage Part remains in force or the number of premiums paid, no Limit of Insurance cumulates from year to year or period to period. (6) The most we will pay for loss in any one occurrence under this Coverage Extension is: (a) The limit shown in the Declarations for Inside the Premises for "money" and "securities" while: (i) In or on the "scheduled premises"; or (ii) Within a bank or savings institution; and (b) The limit shown in the Declarations for Outside the Premises for "money" and "securities" while anywhere else. Form SP 30 28 10 18 Page 1 of 1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD ELECTRONIC DATA This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Paragraph A.6., Coverage Extensions: Electronic Data (1) We will pay for the cost to replace or restore your "electronic data" or "electronic data" of others which is in your care, custody or control which has been destroyed or corrupted by a Covered Cause of Loss. (2) Valuation (a) Loss or damage to "electronic data" will be valued at the actual, reasonable and necessary costs you incur to restore or replace the "electronic data". But we will not pay the cost or expenses you incur to: (i) Identify or remediate any errors or vulnerabilities or to update, restore, replace, upgrade, maintain or improve any "computer" or "computer" system; (ii) Update, replace, restore or improve any "electronic data" to a level beyond the condition in which it existed immediately preceding the loss or damage; or (iii) Duplicate research that led to the development of your "electronic data" or any proprietary or confidential information or intellectual property in any form. (b) To the extent that "electronic data" is not replaced or 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 (3) identical type. (c) If you recover from a licenser, lessor or any other party for loss or damage to "electronic data", our loss payment to you will be reduced by the amount of such recovery. We will not pay for: (a) Loss or damage caused by or resulting from manipulation of a "computer" system (including "electronic data") by any "employee", including a temporary or leased "employee", or by an entity retained by you, or for you, to inspect, design, install, modify, maintain, repair or replace that system; (b) Loss or damage caused by theft, observation, publication, unauthorized access to or loss of confidentiality of your "electronic data" or "electronic data" of others in your care, custody or control. (4) This Coverage Extension does not apply to your "stock" of prepackaged software. (5) The most we will pay for all occurrences in any one "policy year" under this Coverage Extension is the Limit of Insurance shown in the Declarations for Electronic Data. If loss payment on the first occurrence does not exhaust this amount, then the balance is available for subsequent loss or damage sustained in, but not after, that "policy year". With respect to an occurrence which begins in one "policy year" and continues or results in additional loss or damage in a subsequent "policy year(s)", all loss or damage is deemed to be sustained in the "policy year" in which the occurrence began. B. The following definition is added to Section G., PROPERTY DEFINITIONS: "Policy year" means the period of time that a. Begins with the inception or anniversary date of this Coverage Part; and b. Ends at the expiration or at the next anniversary date of this Coverage Part. Form SP 30 29 09 24 Page 1 of 1 © 2024, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE ra HARTFORD INTERRUPTION OF COMPUTER OPERATIONS This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Paragraph A.6., Coverage Extensions: Interruption Of Computer Operations (1) We will pay for the actual loss of Business Income you sustain and necessary Extra Expense you incur during the "computer operations period of restoration" due to a suspension of your "computer operations" caused by destruction or corruption of your "electronic data" or "electronic data" of others in your care, custody or control due to a Covered Cause of Loss. (2) Business Income means the: (a) Net Income (Net Profit or Loss before income taxes) that would have been earned or incurred if "computer operations" had not been interrupted, but not including any Net Income that would likely have been earned as a result of an increase in the volume of business due to favorable conditions caused by the impact of the Covered Cause of Loss on customers or on other businesses; and (b) Continuing normal operating expenses incurred, including payroll expenses. (3) Payroll expenses include: (a) Payroll; (b) Employee benefits; if directly related to payroll; (c) FICA payments you pay; (d) Union dues you pay; and (e) Workers' compensation premiums. (4) Extra Expense means expense incurred: (a) To avoid or minimize the interruption of business and to continue "computer operations"; or (b) To minimize the interruption of business if you cannot continue "computer" operations"; or to the extent it reduces the amount of loss that otherwise would have been payable under this Coverage Extension. (5) Extra Expense does not apply to: (a) Any deficiencies in insuring Building or Business Personal Property; or (b) Any expense related to any recall of products you manufacture, handle or distribute. (6) With respect to the coverage provided in this Coverage Extension, suspension means the partial slowdown or complete cessation of your "computer operations". (7) We will deduct from the total Extra Expense to be paid: (a) The salvage value that remains of any property bought for temporary use during the "computer operations period of restoration", once "computer operations" are resumed; and (b) Any Extra Expense that is paid for by other insurance. (8) You must resume all or part of your "computer operations" as quickly as possible. We will reduce the amount of your Business Income loss, other than Extra Expense, to the extent you can resume "computer operations", in whole, or in part, by using any other available means to continue your "computer operations". (9) We will not pay for any loss of Business Income or incurred Extra Expense related to: (a) An interruption related to manipulation of a "computer" system (including "electronic data") by any "employee", including a temporary or leased "employee", or by an entity retained by you, or for you, to inspect, design, install, modify, maintain, repair or replace that system. Form SP 30 30 09 24 Pagel of © 2024, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. (b) Theft, observation, publication, unauthorized access to or loss of confidentiality of your "electronic data" or "electronic data" of others in your care, custody or control. (c) Suspension, lapse or cancellation of any license, lease or contract. But if the suspension, lapse or cancellation is directly caused by the interruption of "computer operations", we will cover such loss that affects your Business Income during the "computer operations period of restoration". (d) Any other consequential loss. (10)A waiting period may apply; however, no other deductible applies to this Coverage Extension. (11)The most we will pay for all occurrences in any one "policy year" under this Coverage Extension is the Limit of Insurance shown in the Declarations for Interruption Of Computer Operations. If loss payment on the first occurrence does not exhaust this amount, then the balance is available for subsequent loss or damage sustained in, but not after, that "policy year". With respect to an occurrence which begins in one "policy year" and continues or results in additional loss or damage in a subsequent "policy year(s)", all loss or damage is deemed to be sustained in the "policy year" in which the occurrence began. B. The following changes are made to Section G., PROPERTY DEFINITIONS: 1. The following definition is added: "Computer operations" means the use of your "computer" or "computers" of others in your care, custody or control that enables you to conduct your business activities whether such "computer" is located at or away from the "scheduled premises". 2. The following definition is added: "Computer operations period of restoration" means: a. The period of time that: (1) Begins: (a) The number of hours stated in the Declarations after the destruction or corruption of "electronic data" for Business Income Coverage; or (b) Immediately upon (or after) the destruction or corruption of "electronic data" for Extra Expense Coverage; and; (2) Ends on the earlier of: (a) The date when the "electronic data" should be replaced or restored with reasonable speed and similar quality; or (b) The exhaustion of the number of consecutive months as shown in the Declarations. The expiration date of this Policy will not cut short the "computer operations period of restoration". 3. The following definition is added: "Policy year" means the period of time that: a. Begins with the inception or anniversary date of this Coverage Part; and b. Ends at the expiration or at the next anniversary date of this Coverage Part. Form SP 30 30 09 24 Page 2 of 2 © 2024, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD BRANDS AND LABELS This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.5., Additional Coverages, of the Special Property Coverage Form: Brands and Labels If, in the event of covered physical loss or physical damage to "stock" that is branded or labeled, and we elect to take all or any part of the physically damaged property at an agreed or appraised value, you may extend the insurance that applies to Covered Property to apply to: (1) Expenses you incur to: (a) Label or stamp salvage on the damaged "stock" or its containers, if doing so will not physically damage the property; or (b) Remove the brands or labels, if doing so will not physically damage the "stock". You must relabel the "stock" or its containers to comply with the law. (2) Any reduction in the salvage value of the physically damaged merchandise as a result of the removal of the brand or label. Form SP 30 31 10 18 Page 1 of 1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD CLAIM EXPENSE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Claim Expense (1) In the event of covered physical loss or physical damage we will pay to cover reasonable expenses incurred by you at our specific request to assist us in: (a) The investigation of a claim or suit; or (b) The determination of the amount of loss, such as taking inventory, or auditing business records. (2) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Claim Expense. Form SP 30 32 10 18 Page 1 of 1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD PAIRS OR SETS This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.5., Additional Coverages, of the Special Property Coverage Form: Pairs or Sets (1) We will pay for consequential loss to your undamaged "stock" which is part of a pair or set that has become unmarketable as a complete product because of covered physical loss or physical damage. (2) Under this Additional Coverage, we will pay for the reduction in value of the pair or set before and after the covered loss or damage. Form SP 30 33 10 18 Page 1 of 1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD SALESPERSONS SAMPLES This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Salespersons Samples (1) You may extend the insurance that applies to Covered Property to apply to: (a) Samples of your "stock" in trade (including containers); and (b) Similar property of others; but only while such property is in your custody while acting as a sales representative or the custody of your sales representatives or agents. (2) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Salespersons Samples. Form SP 30 3410 18 Page 1 of 1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. VALUATION CHANGES: COMMODITY, FINISHED, AND MERCANTILE STOCK This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following changes are made to Paragraph 5.d. of Section E., PROPERTY LOSS CONDITIONS, of the Special Property Coverage Form: 1. The following is added: Commodity "Stock" We will determine the value of merchandise and raw materials that are bought and sold at an established market exchange. We will determine the value at: (a) The posted market price as of the time and place of loss; and (b) Less discounts and expenses you otherwise would have had. 2. The following is added: Finished "Stock" We will determine the value of goods that you have manufactured at the selling price less discounts and expenses you otherwise would have had. 3. The following is added: Mercantile "Stock" - Sold We will determine the value of goods you have sold but not delivered at the selling price less discounts and expenses you otherwise would have had. Form SP 30 35 10 18 Page 1 of 1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. HARTFORD LOST KEYS This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Lost Keys We will pay, in any one occurrence, up to the Limit of Insurance shown in the Declarations for Lost Keys to cover the loss of your keys used to secure the "scheduled premises" due to theft or the loss of your customer's keys that were in your care, custody or control,. We will not pay more than the cost of the least of the following: (1) Re -key the locks; (2) Install new lock cylinders; (3) Provide new master keys; or (4) Replace existing locks with new locks of like kind and quality. Form SP 30 36 03 20 Page 1 of 1 © 2020, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD CONTRACT PENALTIES This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Contract Penalties (1) We will pay to cover contract penalties you are assessed due to your failure to complete a project within the time required as stipulated by contract if the failure to complete the project was caused by or resulted from a Covered Cause of Loss to Covered Property. (2) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Contract Penalties. Form SP 30 37 10 18 Page 1 of 1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD EXPEDITING EXPENSES This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Expediting Expenses (1) You may extend the insurance that applies to the Extra Expense Coverage Extension to apply to necessary "expediting expenses" you incur during the "period of restoration" that you would not have incurred if there had been no direct physical loss or direct physical damage to property at the "scheduled premises", including personal property in the open (or in a vehicle) within 1,000 feet of the "scheduled premises", caused by or resulting from a Covered Cause of Loss. (2) The most we will pay in any one occurrence for loss under this Coverage Extension is the Limit of Insurance shown in the Declarations for Expediting Expenses. B. The following definition is added to Section G., PROPERTY DEFINITIONS, of the Special Property Coverage Form: "Expediting expense" means the following reasonable and necessary additional expenses: a. Overtime wages; b. Extra cost of express or rapid means of transportation; c. Costs to make temporary repairs; d. Costs to expedite permanent repair or replacement of damaged Coverd Property; and e. Additional costs to provide training on replacement equipment that you incur in order to meet any delivery date that was scheduled immediately prior to the physical loss or physical damage to property at the "scheduled premises". Form SP 30 38 10 18 Page 1 of 1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD NON -OWNED DETACHED TRAILERS This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Non -owned Detached Trailers (1) We will pay for direct physical loss or direct physical damage caused by or resulting from a Covered Cause of Loss to trailers that you do not own, provided that the trailer: (a) Is used in your business; (b) Is in your care, custody or control at the "scheduled premises"; and (c) You have a contractual responsibility to pay for loss or damage to the trailer. (2) We will not pay for any loss or damage that occurs: (a) While the trailer is attached to any motor vehicle or motorized conveyance, whether or not the motor vehicle or motorized conveyance is in motion; or (b) During hitching or unhitching operations, or when a trailer becomes accidentally unhitched from a motor vehicle or motorized conveyance. (3) Paragraph d. within Paragraph A.2., Property Not Covered, does not apply to this Coverage Extension. (4) This insurance is excess over the amount due (whether you can collect on it or not) from any other insurance covering such property. (5) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Non -Owned Detached Trailers. Form SP 30 39 10 18 Page 1 of 1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD BUSINESS INCOME FOR OFF -PREMISES UTILITY SERVICES This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Business Income For Off -Premises Utility Services (1) We will pay for the actual loss of Business Income you sustain and necessary Extra Expense you incur during the "off -premises utility services period of restoration" due to the necessary suspension of your "operations" caused by the interruption of service to the "scheduled premises". The interruption must result from direct physical loss or direct physical damage by a Covered Cause of Loss to the following property not on the "scheduled premises": (a) "Communication supply services"; (b) "Power supply services"; (c) "Wastewater removal services" (other than an interruption in service caused by or resulting from a discharge of water or sewage due to heavy rainfall or flooding); or (d) "Water supply services". However, coverage under this Coverage Extension does not apply to loss of Business Income or incurred Extra Expense related to interruption in utility service which causes loss or damage to "electronic data", including destruction or corruption of "electronic data". (2) With respect to the requirements set forth in the preceding paragraph, if you occupy only part of the site at which the "scheduled premises" are located, your "scheduled premises" also means: (a) The portion of the building which you rent, lease or occupy; and (b) The area within 1,000 feet of the building or within 1,000 feet of the "scheduled premises", whichever distance is greater (with respect to loss of or damage to personal property in the open or personal property in a vehicle); and (c) Any area within the building or on the site at which the "scheduled premises" are located, but only if that area services, or is used to gain access to, the "scheduled premises". (3) Business Income means the: (a) Net Income (Net Profit or Loss before income taxes) that would have been earned or incurred if service to the "scheduled premises" had not been interrupted by direct physical damage or direct physical loss, but not including any Net Income that would likely have been earned as a result of an increase in the volume of business due to favorable business conditions caused by the impact of the Covered Cause of Loss on customers or on other businesses; and (b) Continuing normal operating expenses incurred, including payroll expenses. (4) Payroll expenses includes: (a) Payroll; (b) Employee benefits; if directly related to payroll; (c) FICA payments you pay; (d) Union dues you pay; and (e) Workers' compensation premiums. (5) Extra Expense means expense incurred: (a) To avoid or minimize the suspension of business and to continue "operations": (i) At the "scheduled premises"; or (ii) At replacement premises or at temporary locations, including: (aa) Relocation expenses; and Form SP 30 40 10 18 Page 1 of 2 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (bb) Cost to equip and operate the replacement or temporary location, other than those costs necessary to repair or to replace damaged stock and equipment. (b) To minimize the suspension of business if you cannot continue "operations". (c) To: (i) Repair or replace any property; or (ii) Research, replace or restore the lost information on damaged "valuable papers and records"; to the extent it reduces the amount of loss that otherwise would have been payable under this Coverage Extension or the Business Income Coverage Extension. (6) Extra Expense does not apply to: (a) Any deficiencies in insuring Building or Business Personal Property; or (b) Any expense related to any recall of products you manufacture, handle or distribute. (7) With respect to the coverage provided in this Coverage Extension, suspension means the partial slowdown or complete cessation of your business activities. (8) We will deduct from the total Extra Expense to be paid: (a) The salvage value that remains of any property bought for temporary use during the "off -premises utility services period of restoration", once business operations are resumed; and (b) Any Extra Expense that is paid for by other insurance. (9) We will not pay for any Extra Expense or increase of Business Income loss caused by or resulting from: (a) Delay in rebuilding, repairing or replacing the property or resuming "operations", due to interference at the location of the rebuilding, repair or replacement by strikers or other persons; or (b) Suspension, lapse or cancellation of any license, lease or contract. But if the suspension, lapse or cancellation is directly caused by the suspension of "operations', we will cover such loss that affects your Business Income during the "period of restoration". (c) Any other consequential loss. (10)Exclusion B.1.d., Utility Services does not apply to this Coverage Extension. (11)A waiting period may apply, however, no other deductible applies to this Coverage Extension. (12)The most we will pay in any one occurrence under this Coverage Extension is the limit shown in the Declarations for Business Income For Off -Premises Utility Services. B. The following changes are made to Section G., PROPERTY DEFINITIONS: 1. The following definition is added: "Off -premises utility services period of restoration": a. Means the period of time that begins: (1) The number of hours stated in the Declarations after direct physical loss of or direct physical damage to off -premises utility services for Business Income for Off -Premises Utility Services coverage; or (2) Immediately after the time of direct physical loss or direct physical damage to off -premises utility services for Extra Expense coverage; and ends on the date when service to the "scheduled premises" should be restored with reasonable speed and similar quality. b. Does not include any increased period required due to enforcement of or compliance with any ordinance or law that (1) Regulates the construction, use or repair, or requires the tearing down of any property; or (2) Requires any insured or others to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of "pollutants and contaminants". The expiration date of this Policy will not cut short the "off -premises utility services period of restoration". Form SP 30 40 10 18 Page2of2 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD EMPLOYEE DISHONESTY COVERAGE - EXCLUDES ERISA COVERAGE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extension, of the Special Property Coverage Form: Employee Dishonesty Coverage - Excludes Coverage For The Employee Retirement Income Security Act (ERISA) (1) We will pay for loss of, and loss from damage to, Covered Property resulting directly from the Covered Causes of Loss. Covered Property, as used in this Coverage Extension, means "money", "securities", and other tangible property of intrinsic value which is not otherwise excluded. Covered Causes of Loss, as used in this Coverage Extension, means dishonest acts committed by an "employee", except you, whether identified or not, acting alone or in collusion with other persons, with the manifest intent to: (a) Cause you to sustain loss; and also (b) Obtain financial benefit (other than salaries, commissions, fees, bonuses, promotions, awards, profit sharing or pensions or other "employee" benefits earned in the normal course of employment) for: (i) That "employee"; or (ii) Any person or organization intended by the "employee" to receive that benefit. (2) Additional Coverages (a) We will pay for loss of Covered Property arising out of a Covered Cause of Loss caused by any "employee" while temporarily outside the Coverage Territory for a period of not more than 90 days. (b) We will pay for any loss of Covered Property arising out of a Covered Cause of Loss caused by your "employee" while at the premises of your client or customer. Any claim for loss sustained by any client or customer and covered by this policy may only be made by you in your Proof of Loss. No third party has a direct right against this insurance and no third party may make a direct claim against us as the writer of your insurance. (3) Limitation A.4.c., of the Special Property Coverage Form does not apply to coverage provided by this endorsement. (4) Additional Exclusions (a) We will not pay for loss of funds and other property of any Employee Welfare Benefit Plan or an Employee Benefit Pension Plan that is subject to the bond requirements of Section 412 of ERISA. (b) We will not pay for loss caused by any "employee" of yours, or predecessor in interest of yours, for whom similar prior insurance has been terminated and not reinstated since the last such termination. (c) We will not pay for direct or indirect loss resulting from contractual or extra -contractual liability sustained by you in connection with the issuance of contracts or purported contracts of insurance, indemnity or suretyship. (d) We will not pay loss, or that part of any loss, if the proof of its existence or amount is dependent upon: (i) An inventory computation; or (ii) A profit and loss computation. (e) We will pay only for loss caused by any partner or "member" of a limited liability corporation that is in excess of the sum of: Form SP 30 42 10 18 Page 1 of 2 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (i) Any amounts you owe that partner or "member; and (ii) The value of that partner's or "member's" ownership interest as determined by the closing of your organization's books on the date of discovery of the loss by anyone in your organization not involved in the "employee" dishonesty; and (iii) Any applicable deductible amount. (f) We will not pay for loss resulting directly or indirectly from trading, whether in your name or in a genuine or fictitious account. (5) Additional Conditions (a) This insurance is terminated as to any "employee": (i) Immediately upon discovery by you, or any of your partners, officers or directors not in collusion with the "employee", of any dishonest act committed by that "employee" whether before or after becoming employed by you; or (ii) On the date specified in a notice mailed to you. That date will be at least 30 days after the date of mailing. The mailing of notice to you at the last mailing address known to us will be sufficient proof of notice. Delivery of notice is the same as mailing. (b) As used in this Coverage Extension, occurrence means all loss caused by, or involving, one or more "employees", whether the result of a single act or series of acts. (c) We will pay only for covered loss discovered no later than one year from the end of the policy period. Discovery of loss occurs when you first become aware of facts which would cause a reasonable person to assume that a loss covered by this policy has been, or may be incurred even though the exact amount or the details of the loss may not then be known. Discovery also occurs when you receive notice of an actual or potential claim against you alleging facts, which if true, would be a covered loss under this policy. (d) Regardless of the number of years this insurance remains in force or the number of premiums paid, no Limit of Insurance cumulates from year to year or period to period. (e) If any loss is covered under this Policy and under any prior cancelled or terminated insurance that we or any affiliate had issued to you, we will not pay more than the highest single Limit of Insurance. (f) The property covered under this insurance is limited to property: (i) That you own or hold; or (ii) For which you are legally liable. However, this insurance is for your benefit only. It provides not rights or benefits to any other person or organization. (6) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Employee Dishonesty Coverage - Excludes ERISA Compliance. The Additional Coverages listed in (2)(a) and (2)(b) above are included in this Limit of Insurance. Form SP 30 4210 18 Page 2 of 2 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD THEFT DAMAGE TO BUILDING This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.5., Additional Coverages, of the Special Property Coverage Form: Theft Damage to Building (1) This Additional Coverage applies only to premises where you are a tenant and are responsible in the lease for physical loss or physical damage to the building you lease, rent, or occupy that is caused by or results from "theft", burglary or robbery. (2) We will pay for direct physical loss or direct physical damage directly resulting from "theft", burglary or robbery (except loss by fire or explosion) to a building: (a) You occupy, including personal property that is used to maintain or service the building; or (b) Containing covered personal property but only if you are legally liable for such physical loss or physical damage to the building. But we will not pay for such physical loss of or physical damage to property that is away from the "scheduled premises". Form SP 30 4410 18 Page 1 of 1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD BUSINESS INCOME FROM OFF -PREMISES OPERATIONS This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Paragraph A.6., Coverage Extensions: Business Income From Off -Premises Operations (1) We will pay for the actual loss of Business Income you sustain and necessary Extra Expense you incur during the "off -premises period of restoration" due to the necessary suspension of your "off -premises operations". The suspension must be caused by direct physical loss of or direct physical damage to Covered Property caused by or resulting from a Covered Cause of Loss. Such Covered Property must be in your care, custody, or control and more than 1,000 feet away from the "scheduled premises" (including while in transit) but located within the Coverage Territory. However, this Coverage Extension does not apply to: (a) Any loss or damage to Covered Property located at a newly acquired or constructed location; or (b) At any location you own or lease which is not a "scheduled premises". (2) Business Income means the: (a) Net Income (Net Profit or Loss before income taxes) that would have been earned or incurred if no direct physical loss or direct physical damage had occurred, but not including any Net Income that would likely have been earned as a result of an increase in the volume of business due to favorable business conditions caused by the impact of the Covered Cause of Loss on customers or on other businesses; and (b) Continuing normal operating expenses incurred, including payroll expenses. (3) Payroll expenses include: (a) Payroll; (b) Employee benefits; if directly related to payroll; (c) FICA payments you pay; (d) Union dues you pay; and (e) Workers' compensation premiums. (4) Extra Expense means expense incurred: (a) To avoid or minimize the suspension of business and to continue "off -premises operations"; (b) To minimize the suspension of business if you cannot continue "off -premises operations"; or (c) To: (i) Repair or replace any property; or (ii) Research, replace or restore the lost information on damaged "valuable papers and records"; to the extent it reduces the amount of loss that otherwise would have been payable under this Coverage Extension. (5) Extra Expense does not apply to: (a) Any deficiencies in insuring Building or Business Personal Property; or (b) Any expense related to any recall of products you manufacture, handle or distribute. (6) Coverage Extension for Extended Business Income. Form SP 30 4510 18 Page 1 of 3 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD If the necessary suspension of your "off -premises operations" produces a Business Income loss payable under Paragraph (1) above, we will pay for the actual loss of Business Income you incur during the period that: (a) Begins on the date property, other than finished stock, is actually repaired, rebuilt or replaced and "off -premises operations" are resumed; and (b) Ends on the earlier of: (i) The date you could restore your "off -premises operations" with reasonable speed, to the condition that would have existed if no direct physical loss or direct physical damage occurred; or (ii) 45 consecutive days after the date determined in Paragraph (1)(a) above, unless a different time period is shown in the Declarations for Extended Business Income. However, Extended Business Income does not apply to loss of Business Income incurred as a result of unfavorable business conditions caused by the impact of the Covered Cause of Loss in the area where the "scheduled premises" is located. (7) With respect to the coverage provided in this Coverage Extension, suspension means the partial slowdown or complete cessation of your business activities. (8) We will deduct from the total Extra Expense to be paid: (a) The salvage value that remains of any property bought for temporary use during the "off -premises period of restoration", once "off -premises operations" are resumed; and (b) Any Extra Expense that is paid for by other insurance. (9) We will not pay for any Extra Expense or increase of Business Income loss caused by or resulting from: (a) Delay in rebuilding, repairing or replacing the property or resuming "off -premises operations", due to interference at the location of the rebuilding, repair or replacement by strikers or other persons; or (b) Suspension, lapse or cancellation of any license, lease or contract. But if the suspension, lapse or cancellation is directly caused by the suspension of "off -premises operations', we will cover such loss that affects your Business Income during the "period of restoration". (c) Any other consequential loss. (10)Under this Coverage Extension, coverage for Business Income and Extra Expense does not apply when the suspension of "off -premises operations" is caused by destruction or corruption of "electronic data", or any loss or damage to "electronic data". (11)A waiting period may apply, however, no other deductible applies to this Coverage Extension. (12)The most we will pay in any one occurrence for all Business Income, Extended Business Income and Extra Expense under this Coverage Extension is the limit shown in the Declarations for Business Income From Off -Premises Operations. B. The following changes are made to Section G., PROPERTY DEFINITIONS: 1. The following definition is added: "Off -premises operations" means your business activities occurring more than 1,000 feet away from the "scheduled premises" but within the coverage territory. 2. The following definition is added: "Off -premises period of restoration" means: a. The period of time that: (1) Begins: (a) The number of hours stated in the Declarations after direct physical loss of or direct physical damage for Business Income from Off -Premises Operations coverage; or (b) Immediately after the time of direct physical loss or direct physical damage for Extra Expense coverage; caused by or resulting from a Covered Cause of Loss, and Form SP 30 4510 18 Page 2 of 3 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (2) Ends on the date when the Covered Property should be repaired, rebuilt or replaced with reasonable speed and similar quality. b. "Off -premises period of restoration" does not include any increased period required due to enforcement of or compliance with any ordinance or law that: (1) Regulates the construction, use or repair, or requires the tearing down of any property; or (2) Requires any insured or others to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of "pollutants and contaminants". The expiration date of this policy will not cut short the "off -premises period of restoration". Form SP 30 4510 18 Page 3 of 3 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD FRAUDULENT TRANSFER COVERAGE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Paragraph A.6., Coverage Extensions: Fraudulent Transfer Coverage (1) We will pay for loss of or damage to your "money", "securities" and "other property" following and directly related to the use of any electronic, telegraphic, cable, teletype, telefacsimile or telephone instruction to fraudulently cause a transfer of that property from the "scheduled premises", bank or savings institution to a person (other than a "messenger") or place outside those premises. (2) We will pay for loss of your "money" and "securities" resulting directly from a "fraudulent instruction" directing a financial institution to transfer, pay or deliver "money" and "securities" from your "transfer account". (3) All loss: (a) Caused by one or more persons; or (b) Involving a single act or series of related acts; is considered one occurrence. (4) Limitation A.4.a.(2) and Exclusions B.1.j.(3) and B.2.h. do not apply to this Coverage Extension. (5) Under this Coverage Extension, we will not pay for: (a) Loss or damage caused by or resulting from the use or purported use of credit, debit, charge, access, convenience, identification, stored -value or other cards or the information contained on such cards. (b) Loss, or that part of any loss, for which the proof of its existence or amount is dependent upon: (i) An inventory computation; or (ii) A profit or loss computation. (6) The most we will pay for loss in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Fraudulent Transfer Coverage. B. The following changes are made to Section G., PROPERTY DEFINITIONS: 1. The following definition is added: "Fraudulent instruction" means: a. An electronic, telegraphic, cable, teletype, telefacsimile or telephone instruction which purports to have been transmitted by you, but which was in fact fraudulently transmitted by someone else without your knowledge or consent; b. A written instruction issued by you, which was forged or altered by someone other than you without your knowledge or consent or which purports to have been issued by you, but was in fact fraudulently issued without your knowledge or consent; or c. An electronic, telegraphic, cable, teletype, telefacsimile, telephone or written instruction initially received by you which purports to have been transmitted by an employee but which was in fact fraudulently transmitted by someone else without your or the employee's knowledge or consent. 2. The following definition is added: "Other property" means any tangible Covered Property other than "money" and "securities" that has intrinsic value. Form SP 30 46 10 18 Page 1 of 2 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD 3. The following definition is added: "Transfer account" means an account maintained by you at a financial institution from which you can initiate the transfer, payment or delivery of "money" and "securities": a. By means of electronic, telegraphic, cable, teletype, telefacsimile or telephone instructions communicated directly through an electronic funds transfer system; or b. By means of written instructions establishing the conditions under which such transfers are to be initiated by such financial institution through an electronic funds system. Form SP 30 4610 18 Page 2 of 2 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. • THE HARTFORD BUSINESS INCOME FROM WEBSITES This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Paragraph A.6., Coverage Extensions: Business Income from Websites (1) We will pay for the actual loss of Business Income you sustain and necessary Extra Expense you incur during the "website interruption period of restoration" due to the necessary suspension of your "operations" caused by or resulting from direct physical loss or direct physical damage to property at the premises of a vendor that provides you with "on-line access" services. Such direct physical loss or direct physical damage must be caused by or result from a Covered Cause of Loss. (2) This Coverage Extension applies only if you regularly back-up software, data, or other information in electronic form at a location other than the site of the website vendor. (3) Business Income means the: (a) Net Income (Net Profit or Loss before income taxes) that would have been earned or incurred if no direct physical loss or direct physical damage had occurred, but not including any Net Income that would likely have been earned as a result of an increase in the volume of business due to favorable business conditions caused by the impact of the Covered Cause of Loss on customers or on other businesses; and (b) Continuing normal operating expenses incurred, including payroll expenses. (4) Payroll expenses include: (a) Payroll; (b) Employee benefits; if directly related to payroll; (c) FICA payments you pay; (d) Union dues you pay; and (e) Workers' compensation premiums. (5) Extra Expense means expense incurred: (a) To avoid or minimize the suspension of business and to continue "operations"; (b) To minimize the suspension of business if you cannot continue "operations"; or to the extent it reduces the amount of loss that otherwise would have been payable under this Coverage Extension. (6) Extra Expense does not apply to: (a) Any deficiencies in insuring Building or Business Personal Property; or (b) Any expense related to any recall of products you manufacture, handle or distribute. (7) With respect to the coverage provided in this Coverage Extension, suspension means the partial slowdown or complete cessation of your business activities. (8) We will deduct from the total Extra Expense to be paid: (a) The salvage value that remains of any property bought for temporary use during the "website interruption period of restoration", once your "operations" are resumed; and (b) Any Extra Expense that is paid for by other insurance. (9) We will not pay for any increase of Business Income or Extra Expense loss caused by or resulting from: Form SP 30 47 10 18 Page 1 of 2 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (a) Delay in rebuilding, repairing or replacing the property or resuming "operations", due to interference at the location of the rebuilding, repair or replacement by strikers or other persons; or (b) Suspension, lapse or cancellation of any license, lease or contract. But if the suspension, lapse or cancellation is directly caused by the suspension of "operations', we will cover such loss that affects your Business Income during the "website interruption period of restoration". (c) Any other consequential loss. (10)Under this Coverage Extension, coverage for Business Income and Extra Expense does not apply when the suspension of "operations" is caused solely by the destruction or corruption of "electronic data", or any loss or damage to "electronic data". (11)A waiting period may apply, however, no other deductible applies to this Coverage Extension. (12)The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Business Income From Websites. B. The following changes are made to Section G., PROPERTY DEFINITIONS: 1. The following definition is added: "On-line access" means: a. Accessing information made available by third parties; or b. Making information available to third parties via "computer" or other electronic systems. 2. The following definition is added: "Website interruption period of restoration" a. Means the period of time that: (1) Begins: (a) The number of hours shown in the Declarations after the time of direct physical loss or direct physical damage for Business Income from Websites coverage, or (b) Immediately after the time of direct physical loss or direct physical damage for Extra Expense coverage; and (2) Ends on the earlier of: (a) The date when the property at the premises of the vendor that provides you with "on-line access" services should be repaired, rebuilt or replaced with reasonable speed and similar quality; or (b) The date when your "operations" are resumed through a new vendor which provides "on-line access"; or (c) Exhaustion of the number of days as shown in the Declarations as the Business Income from Websites Period of Restoration. The expiration date of this Coverage Part will not cut short the "website interruption period of restoration". Form SP 30 4710 18 Page 2 of 2 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD TRANSIT COVERAGE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Transit Coverage (1) The insurance that applies to your Business Personal Property and Personal Property of Others is extended to apply to shipments of that property in the care of a carrier for hire while in transit at your risk, by motor vehicle, railroad car or aircraft between points within the Coverage Territory. This includes property you have sold and for which your responsibility continues until it is delivered. (2) This Coverage Extension also applies to: (a) Expenses to Inspect, Repackage and Reship Damaged Shipments The necessary additional expenses you incur to inspect, repackage and reship Covered Property which is physically damaged as a direct result of a Covered Cause of Loss. (b) Expenses to Protect Covered Property from Spoilage or Change in Temperature The necessary additional expense you incur to temporarily store Covered Property in a temperature controlled environment in order to avoid or minimize physical loss or physical damage to such property from spoilage or change in temperature. Such temporary storage must be made necessary by the sudden and accidental breakdown of heating or refrigeration unit(s) on transporting conveyances. This additional expense will not include: (I) Expenses to repair or replace heating or refrigeration unit(s); (ii) Costs or penalties due to detention or delay of any vehicles, trailers, conveyances or containers; or (iii) Costs for additional wages, room, board or meals. (c) F.O.B. Shipments Outgoing shipments where the risk of physical loss or physical damage is transferred to the buyer when such property leaves your premises. You must use all reasonable means to collect the amount due to you from the buyer before making a claim under this Transit Coverage. We will not make payment until you grant us the right of recovery against the buyer. (d) Loading and Unloading Shipments during loading or unloading and within 500 feet of any transporting conveyance. (e) Return Shipments Outgoing shipments which have been rejected by the consignee or are not deliverable, while: (i) In due course of transit, being returned to you; or (ii) Up to 10 days after delivery or attempted delivery awaiting return shipment to you. Payment under Paragraphs (a), (b), (c), (d) and (e) above will not increase the Transit Coverage Limit of Insurance. (3) Limitation A.4.c.(3) which limits coverage for patterns, dies, molds and forms does not apply to this Coverage Extension. (4) Exclusions (a) Exclusions B.1.a., Earth Movement, and B.1.f., Water, do not apply to this Coverage Extension. Form SP 30 4810 18 Page 1 of 2 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (b) Exclusions B.2.g., Dishonesty, and B.2.i., Exposed Property, do not apply to property in the custody of a carrier for hire. (c) Exclusion B.2.h., False Pretense, does not apply to loss or damage caused by your good faith acceptance of false bills of lading or shipping receipts. (d) We will not pay for physical loss or physical damage caused by or resulting from poor or insufficient packaging or packing. (e) We will not pay for: (i) Property in care, custody or control of you, your salespersons, or your "employees"; (ii) Mail shipments in the custody of the U.S. Postal Service; (iii) Property of Others for which you are responsible as a: (aa) Carrier for hire; or (bb) Carloader, consolidator, broker, freight forwarder, shipping association, or other arranger of transportation; or (iv) Property in or on a motor vehicle you own, lease or operate. (f) We will not pay for physical loss or physical damage, if you impair our rights to recover damages from any carrier for hire. But you may accept from carriers for hire bills of lading, receipts or contracts of transportation which contain a limitation of value. (5) With respect to payments under this Coverage Extension only, the following is added to Paragraph 5.d. within Section E., PROPERTY LOSS CONDITIONS: Valuation of Property in Transit (a) Property You Own (i) The value of Covered Property will be the amount of invoice plus accrued charges, prepaid charges and charges since shipment; or (ii) In the absence of an invoice, the value of Covered Property will be its actual cash value, with proper deduction for depreciation, at the point of destination on the date of expected arrival. (b) Property of Others The most we will pay for Covered Property owned by others is the lesser of: (i) Your legal liability for direct physical loss or physical damage to such property; or (ii) What we would pay if you had owned the property. (6) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Transit Coverage. Form SP 30 48 10 18 Page 2 of 2 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD SUMP OVERFLOW AND SUMP PUMP FAILURE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Sump Overflow and Sump Pump Failure (1) You may extend the insurance that applies to Covered Property and Business Income and Extra Expense (if the Business Income and Extra Expense Coverage Extensions are included in this Coverage Part), to apply to direct physical loss or direct physical damage to Covered Property that is caused by or resulting from water that overflows due to the failure of a sump pump, sump pump well, or any other type of system designed to remove subsurface water from the foundation area if the failure is directly or indirectly the result of a Covered Cause of Loss. Failure means an abrupt cessation of normal functioning. THIS IS NOT FLOOD INSURANCE We will not pay for water or other materials that overflow from a sump when the overflow is caused by any flood. This applies regardless of the proximity of the flood to Covered Property. Flood includes the accumulation of surface water, waves, tides, tidal waves, overflow of streams or other bodies of water, or their spray, all whether driven by wind or not that enters the sewer or drain system. (2) Paragraph B.1.d., Utility Services, and Paragraph B.1.f.(3) within the Water exclusion do not apply to this Coverage Extension. (3) The most we will pay in any one occurrence under this Coverage Extension, including any payments for lost Business Income or incurred Extra Expense, is the Limit of Insurance shown in the Declarations for Sump Overflow and Sump Pump Failure. Form SP 30 49 10 18 Page 1 of 1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD OFF -PREMISES UTILITY SERVICES - DIRECT DAMAGE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Off -Premises Utility Services — Direct Damage (1) We will pay for direct physical loss of or direct physical damage to Covered Property caused by the interruption of utility service to the "scheduled premises". The interruption must result from direct physical loss or direct physical damage by a Covered Cause of Loss to the following property not on the "scheduled premises": (a) "Communication supply services"; (b) "Power supply services"; (c) "Wastewater removal services" (other than an interruption in service caused by or resulting from a discharge of water or sewage due to heavy rainfall or flooding); or (d) "Water supply services". (2) Exclusion B.1.d., Utility Services does not apply to this Additional Coverage. (3) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Off -Premises Utility Services — Direct Damage. Form SP 30 50 10 18 Page 1 of 1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SPOILAGE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM THE M HARTFORD Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Spoilage (1) We will pay for physical loss or physical damage to your "perishable goods" at or within 1,000 feet of the "scheduled premises" caused by or resulting from: (a) A change in temperature or humidity resulting from: (i) "Mechanical breakdown accident" or failure of: (aa) Stationary heating plants; or (bb) Refrigerating , cooling or humidity control apparatus or equipment; But only while such plants, equipment or apparatus are at the "scheduled premises". (ii) Complete or partial failure of electric power, either on or away from your "scheduled premises". Such failure of power must be due to conditions beyond your control; (iii) Artificially generated electrical, magnetic or electromagnetic energy, including electric arcing, that damages, disturbs or otherwise interferes with any electrical or electronic wire, device, appliance or network; or (b) Contamination by a refrigerant. (2) We will not pay for loss of or damage to perishable "stock" located: (a) On buildings; (b) In the open; or (c) In any vehicle, other than trailers or refrigerated vehicles used for storage located within 1,000 feet of the "scheduled premises". (3) Coverage Extension — Business Income and Extra Expense (a) You may extend the insurance that applies to the Business Income and Extra Expense Coverage Extensions, when such Coverage Extensions are attached to this Coverage Part, to apply to the actual loss of Business Income you sustain and necessary Extra Expense you incur due to the necessary suspension of your "operations" during the "period of restoration". The suspension must be caused by or resulting from covered physical loss of or physical damage to "perishable goods" as described in this Coverage Extension. (b) With respect to this Coverage Extension only, Paragraph 10.a.(1)(a) within the definition of "period of restoration" is deleted and replaced with the following: The number of hours shown as the Spoilage Waiting Period in the Declarations after the time of physical loss or physical damage for Business Income Coverage; or (c) No other deductible applies to this Coverage Extension. (d) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Spoilage Business Income Limit. (4) None of the exclusions under Section B., EXCLUSIONS, apply to this Coverage Extension except the following: (a) Exclusion B.1.a., Earth Movement; (b) Exclusion B.1.b., Governmental Action; (c) Exclusion B.1.c., Nuclear Hazard; Form SP 30 51 10 18 Page 1 of 3 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (d) Exclusion B.1.e., War and Military Action; and (e) Paragraph B.1.f., Water. (5) Additional Exclusions We will not pay for loss or damage caused by or resulting from: (a) The disconnecting of any of the following systems from the source of power: (i) Refrigerating; (ii) Cooling; or (iii) Humidity control. (b) The loss of electrical power caused by the shutting off of any switch or other device used to control the flow of electric power or current. (c) The inability of an electrical utility company, your stationary heating plant or any other power source to provide sufficient heat or power due to: (i) Lack of fuel; (ii) Lack of capacity to make enough heat or power; or (iii) Order of the government. (d) Breaking of any glass that is a permanent part of a refrigerating, cooling or humidity control unit. (6) Additional Conditions (a) We will pay for physical loss or physical damage under this Coverage Extension only when such physical loss or physical damage is not covered elsewhere in this Coverage Part or Policy or any other policy that insures "perishable goods" at the "scheduled premises". (b) In the event of physical loss or physical damage, none of the other coverages under this Coverage Part or Policy or any other policy will share in its payment unless the provisions of the Coverage Part or policy are similar to the provisions of this Coverage Extension. (c) We will not make payment for "perishable goods" that were beyond their expiration date at the time of loss. (d) If an item of "perishable goods" consists of multiple doses or other measurable units, we will only pay your costs to replace the number doses or measurable units that were lost or damaged. (7) Valuation (a) With respect to this Coverage Extension only, Paragraph E.5.d. within the Loss Payment Condition does not apply to physical loss or physical damage to "perishable goods". (b) "Perishable goods" will be valued at Replacement Cost. (c) As it pertains to coverage under this Coverage Extension, Replacement Cost means the reasonable cost that you incur to replace such property. For "perishable goods" that are no longer available at the time of loss (such as seasonal fruits, vegetables, or vaccinations), you may make claim for the costs you incurred to purchase them. (8) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Spoilage. B. The following changes are made to Section G., PROPERTY DEFINITIONS: 1. The following definition is added: "Mechanical breakdown accident" means: a. Breaking or separation of any mechanical part(s) other than gas pipes or lines; or b. Burning out of any electrical motor servicing such unit; and requiring repair or replacement of the damaged parts to become functional. But "mechanical breakdown accident" does not mean faulty operation or failure of equipment which results in a change in temperature or humidity but does not require repair or replacement of broken parts. Form SP 30 51 10 18 Page 2 of 3 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. HARTFORD 2. The following definition is added: "Perishable goods" means personal property: a. Maintained under controlled temperature or humidity conditions for preservation; and b. Susceptible to loss or damage if the controlled temperature or humidity conditions change. Form SP 30 51 10 18 Page 3 of 3 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD UNAUTHORIZED BUSINESS CARD USE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Unauthorized Business Card Use (1) We will pay for loss resulting from the theft or unauthorized use of business credit, debit or charge cards issued to you or registered in your name or the name of your business. (2) We will not cover the use of a business credit, debit or charge card: (a) By a person who has been entrusted with the card; or (b) Any of your "employees". (3) All loss: (a) Caused by one or more persons; (b) Involving a single actor a series of related acts; is considered one occurrence regardless or the number of individual unauthorized transactions. (4) If suit is brought against you for liability arising out of a loss resulting from the theft or unauthorized use of your business card, credit, debit or charge card, we will pay for reasonable legal expenses incurred in that defense under this Coverage Extension. (5) The most we will pay in any one occurrence under this Coverage Extension, including legal expenses described in Paragraph (4) above, is the Limit of Insurance shown in the Declarations for Unauthorized Business Card Use. Form SP 30 52 10 18 Page 1 of 1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD PAVED SURFACES This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Paved Surfaces (1) You may extend the insurance that applies to Covered Property to apply to direct physical loss or direct physical damage by a Covered Cause of Loss to paved surfaces, including but not limited to: (a) Bridges; (b) Roadways; (c) Walks; (d) Patios; and (e) Parking lots; but only if you are legally liability for such physical loss or physical damage. (2) We will not pay for loss or damage caused by tree roots, freezing, thawing or normal deterioration. (3) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Paved Surfaces. Form SP 30 5310 18 Page 1 of 1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD LEASEHOLD IMPROVEMENTS This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Leasehold Improvements (1) If your lease is cancelled in accordance with a valid lease provision as the direct result of a Covered Cause of Loss to property at the location in which you are a tenant, and you cannot legally remove "tenant improvements and betterments", we will extend Business Personal Property coverage to apply to the unamortized value of "tenant improvements and betterments" that remain and that you were forced to abandon. (2) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Leasehold Improvements. Form SP 30 5410 18 Page 1 of 1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD FINE ARTS COVERAGE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Paragraph A.6., Coverage Extensions: Fine Arts Coverage (1) We will pay for direct physical loss or direct physical damage to "fine arts" located at the "scheduled premises", in transit to and from the "scheduled premises" or at your residence which are: (a) Owned by you; or (b) Owned by others but in your care, custody or control. (2) Additional Limitation: Art glass windows, glassware, statuary, marbles, bric-a-brac, porcelains and other articles of fragile or brittle nature are covered against loss by breakage only if such loss or damage is caused by a "specified causes of loss." Section B., EXCLUSIONS, does not apply to this Coverage Extension, except for: (a) Paragraph B.1.b., Governmental Action; (b) Paragraph B.1.c., Nuclear Hazard; and (c) Paragraph B.1.e., War and Military Action. (4) Under this Coverage Extension, we will not pay for loss or damage: (a) Caused by or resulting from: (i) Delay, loss of use, loss of market, or any other causes of consequential loss; (ii) Wear and tear, depreciation or obsolescence; (iii) Rust, corrosion, "fungi", decay, deterioration, hidden or latent defect, or any quality in property that causes it to damage or destroy itself; (iv) Insects, birds, rodents or other animals. (v) Dishonest acts by: (aa) You or any of your partners; (bb) Your directors or trustees; (cc) Your authorized representatives or "employees"; or (dd) Anyone, other than a carrier for hire, to whom you entrusted the Covered Property, including their "employees", for any purpose: Whether acting alone or in collusion with others; and Whether or not occurring during the hours of employment; (vi) Voluntary parting with any property whether or not induced to do so by any fraudulent scheme, trick, device or false pretense; (vii) Unauthorized instructions to transfer property to any person or to any place; (viii)Theft from any unattended vehicle unless at the time of theft its windows, doors and compartments were closed and locked and there are visible signs that the theft was the result of forced entry. But this exclusion does not apply to property in the custody of a carrier for hire; (ix) Processing or work upon the property; or (3) Form SP 30 5510 18 Page 1 of 2 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (b) To "fine arts" on exhibition at fairgrounds or at any type of exposition, unless such locations are listed and described in the Declarations. (5) Additional Conditions (a) Valuation "Fine arts" covered under this Coverage Extension will be valued at the market value at the time of loss or damage. (b) Pair or Set In case of total loss to a "fine art" item which is part of a pair or set, we agree to pay you the full market value of the pair or set and you agree to surrender the remaining item(s) of the pair or set to us. (c) Packing You agree that "fine arts" will be packed and unpacked by competent packers. (d) Recovered Property If either you or we recover any property after loss settlement, that party must give the other prompt notice. At your option, you may retain the property. But then you must return to us the amount we paid to you for the property. We will pay recovery expenses and the expenses to repair the "fine arts", subject to the Limit of Insurance. (6) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Fine Arts Coverage. B. The following definition is added to Section G., 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. Form SP 30 5510 18 Page 2 of 2 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD BACK-UP OF SEWERS AND DRAINS COVERAGE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.5., Additional Coverages, of the Special Property Coverage Form: Back -Up of Sewer or Drain Water Damage (1) We will pay for direct physical loss or direct physical damage to Covered Property solely caused by or resulting from water that backs up from a sewer or drain. THIS IS NOT FLOOD INSURANCE We will not pay for water or other materials that back up from any sewer or drain when it is caused by any flood. This applies regardless of the proximity of the flood to Covered Property. Flood includes the accumulation of surface water, waves, tides, tidal waves, overflow of streams or other bodies of water, or their spray, all whether driven by wind or not that enters the sewer or drain system. (2) Paragraph (3) of Exclusion B.1.f., Water, does not apply to this Additional Coverage. However, the remainder of Exclusion B.1.f., Water, remains in full force and effect. (3) Additional Exclusions (a) We will not pay for loss or damage caused by or resulting from water or other materials that back up from any sewer or drain when it is caused by any flood. This applies regardless of the proximity of the flood to the Covered Property. Flood includes the accumulation of surface water, waves, tides, tidal waves, overflow of streams or other bodies of water, or their spray, all whether driven by wind or not that enters the sewer or drain system. (b) Sump overflow that does not occur concurrently with a back-up of a sewer or drain is not covered by this endorsement. Form SP 30 57 10 18 Page 1 of 1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD BUILDING PROPERTY OF OTHERS This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Building Property of Others (1) If you occupy a "scheduled premises" as a tenant, and a written lease or rental agreement for that "scheduled premises" requires you to pay for loss or damage to a part of building property you do not own, we will pay for direct physical loss or direct physical damage to that part of building property, other than exterior building glass, caused by or resulting from a Covered Cause of Loss. (2) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Building Property of Others. Form SP 30 59 10 18 Page 1 of 1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COMPUTERS WORLDWIDE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. THEal HARTFORD The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Computers Worldwide (1) We will pay for direct physical loss or direct physical damage to your "computers" anywhere in the world, including while in transit, caused by or resulting from a Covered Cause of Loss. (2) We will not pay for loss or damage caused by, resulting from or arising out of the theft of "computers" which are in transit as checked baggage. (3) The coverage territory defined in Paragraph F.5.b. does not apply to this Coverage Extension. (4) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Computers Worldwide. Form SP 30 60 10 18 Page 1 of 1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD TRANSIT BUSINESS INCOME This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Transit Business Income (1) We will pay for the actual loss of Business Income you sustain and necessary Extra Expense you incur during the "transit period of restoration" due to the necessary suspension of your "operations" caused by or resulting from direct physical loss or direct physical damage to Covered Property in transit. Such direct physical loss or direct physical damage must be caused by or resulting from a Covered Cause of Loss. (2) Business Income means the: (a) Net Income (Net Profit or Loss before income taxes) that would have been earned or incurred if no direct physical loss or direct physical damage had occurred, but not including any Net Income that would likely have been earned as a result of an increase in the volume of business due to favorable business conditions caused by the impact of the Covered Cause of Loss on customers or on other businesses; and (b) Continuing normal operating expenses incurred, including payroll expenses. (3) Payroll expenses includes: (a) Payroll; (b) Employee benefits; if directly related to payroll; (c) FICA payments you pay; (d) Union dues you pay; and (e) Workers' compensation premiums. (4) Extra Expense means expense incurred: (a) To avoid or minimize the suspension of business and to continue "operations": (b) To minimize the suspension of business if you cannot continue "operations"; or (c) To: (i) Repair or replace any property; or (ii) Research, replace or restore the lost information on damaged "valuable papers and records"; to the extent it reduces the amount of loss that otherwise would have been payable under this Coverage' Extension. (5) With respect to the coverage provided in this Coverage Extension, suspension means the partial slowdown or complete cessation of your business activities. (6) Extra Expense does not apply to: (a) Any deficiencies in insuring Building or Business Personal Property; or (b) Any expense related to any recall of products you manufacture, handle or distribute. (7) With respect to the coverage provided in this Coverage Extension, suspension means the partial slowdown or complete cessation of your business activities. (8) We will deduct from the total Extra Expense to be paid: (a) The salvage value that remains of any property bought for temporary use during the "transit period of restoration", once your "operations" are resumed; and (b) Any Extra Expense that is paid for by other insurance. Form SP 30 61 10 18 Page 1 of 2 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (9) We will not pay for any increase of Business Income or Extra Expense loss caused by or resulting from: (a) Delay in rebuilding, repairing or replacing the property or resuming "operations", due to interference at the location of the rebuilding, repair or replacement by strikers or other persons; or (b) Suspension, lapse or cancellation of any license, lease or contract. But if the suspension, lapse or cancellation is directly caused by the suspension of "operations', we will cover such loss that affects your Business Income during the "transit period of restoration". (c) Any other consequential loss. (10)A waiting period may apply, however, no deductible applies to this Coverage Extension. (11)The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Transit Business Income. B. The following definition is added to Section G. PROPERTY DEFINITIONS: "Transit period of restoration" Means the period of time that (1) Begins: (a) The number of hours shown in the Declarations after the time of direct physical loss or direct physical damage to Covered Property in transit for Business Income coverage under the Transit Business Income Coverage Extension; or (b) Immediately after the time of direct physical loss or direct physical damage to Covered Property in transit for Extra Expense coverage; and (2) Ends on the earlier of: (a) The date when the damaged Covered Property should be repaired, rebuilt or replaced with reasonable speed and similar quality; or (b) Exhaustion of the number of consecutive months as shown on the Declarations as the Transit Business Income Period of Restoration. b. Does not include any increased period required due to enforcement of or compliance with any ordinance or law that (1) Regulates the construction, use or repair, or requires the tearing down of any property; or (2) Requires any insured or others to test for, clean up, remove, contain, treat, detoxify, or neutralize, or in any way respond to "pollutants and contaminants". The expiration date of this Coverage Part will not cut short the "transit period of restoration". Form SP 30 61 10 18 Page 2 of 2 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD OUTDOOR SIGNS ON PREMISES This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions: Outdoor Signs On Premises (1) We will pay for direct physical loss or direct physical damage to outdoor signs at the "scheduled premises" which are: (a) Owned by you; or (b) Owned by others but in your care, custody or control. (2) Section B., EXCLUSIONS, does not apply to this Coverage Extension, except for: (a) Exclusion B.1.b., Governmental Action; (b) Exclusion B.1.c., Nuclear Hazard; and (c) Exclusion B.1.e., War and Military Action; (3) Under this Coverage Extension, we will not pay for loss or damage caused by or resulting from: (a) Wear and tear; (b) Hidden or latent defect; (c) Rust; (d) Corrosion; or (e) Mechanical breakdown. (4) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Outdoor Signs On Premises. Form SP 31 35 10 18 Page 1 of 1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FUNGI, WET ROT OR DRY ROT - LIMITED COVERAGE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Paragraph A.5., Additional Coverages, of the Special Property Coverage Form: "Fungi", Wet Rot or Dry Rot - Limited Coverage (1) The coverage described in Paragraph (2) below only applies when the "fungi", wet rot or dry rot is the result of one or more of the following causes that occurs during the policy period and only if all reasonable means were used to save and preserve the property from further damage at the time of and after that occurrence. (a) A "specified cause of loss" other than fire or lightning; (b) An "equipment breakdown accident" occurs to "equipment breakdown property", if the Equipment Breakdown Additional Coverage is attached to this Coverage Part. (2) The coverage described below applies only when a Limit of Insurance is shown in the Declarations for either Building or Business Personal Property. We will pay for loss or damage to Covered Property by "fungi", wet rot or dry rot. As used in this Additional Coverage, the term loss or damage means: (a) Direct physical loss or direct physical damage to Covered Property caused by "fungi", wet rot or dry rot, including the cost of removal of the "fungi", wet rot or dry rot; (b) The cost to tear out and replace any part of the building or other property as needed to gain access to the "fungi", wet rot or dry rot; and (c) The cost of testing performed after removal, repair, replacement or restoration of the damaged property is completed, provided there is a reason to believe that "fungi", wet rotor dry rot is present. The following exclusions do not apply to this Additional Coverage: (a) Exclusion B.1.g., "Fungi", Wet Rot or Dry Rot; (b) Exclusion B.2.q., Continuous Or Repeated Seepage Or Leakage Of Water. (4) This Additional Coverage does not apply to lawns, trees, shrubs or plants which are part of a vegetated roof. (5) The most we will pay in any one occurrence under this Additional Coverage, including any payments made under the Business Income or Extra Expense Coverage Extensions referenced in Paragraph (9) below, is the Limit of Insurance for Fungi, Wet Rot or Dry Rot — Limited Coverage shown in the Declarations even if the "fungi", wet rot or dry rot continues to be present or active, or recurs, in a later policy period. (6) The coverage provided under this Additional Coverage does not increase the applicable Limit of Insurance on any Covered Property. If a particular occurrence results in loss or damage by "fungi", wet rot or dry rot and other loss or damage, we will not pay more, for the total of all loss or damage, than the applicable Limit of Insurance on the affected Covered Property. (7) If there is covered loss or damage to Covered Property, not caused by "fungi", wet rot or dry rot loss payment will not be limited by the terms of this Limited Coverage, except to the extent that "fungi", wet rot or dry rot causes an increase in the loss. Any such increase in the loss will be subject to the terms of this Additional Coverage. (8) The terms of this Additional Coverage do not increase or reduce coverage which may otherwise be provided in this Policy. (9) The following applies only if the Business Income and Extra Expense Coverage Extensions are attached to this Coverage Part and only if the suspension of "operations" satisfies all the terms and conditions of the Business Income and Extra Expense Coverage Extensions. (a) If the loss or damage which resulted in "fungi", wet rot or dry rot does not in itself necessitate a suspension of "operations", but such suspension is necessary due to loss or damage to property caused by "fungi", wet rot Form SP 31 51 12 23 Page 1 of 2 © 2023, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) (3) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. HARTFORD or dry rot, then our payment under the Business Income and Extra Expense Coverage Extensions is limited to the amount of loss and expense sustained in a period of not more than 30 days unless another number of days is indicated in the Declarations. The days need not be consecutive. (b) If a covered suspension of "operations" was caused by loss or damage other than "fungi", wet rot or dry rot, but remediation of "fungi", wet rot or dry rot prolongs the "period of restoration", we will pay for loss and expense sustained during the delay (regardless of when such a delay occurs during the "period of restoration"), but such coverage is limited to 30 days unless another number of days is indicated in the Declarations. The days need not be consecutive. B. The following changes are made to Section G., PROPERTY DEFINITIONS: 1. The following definition is added: "Equipment breakdown accident" means a fortuitous event that causes direct physical loss or direct physical damage to "equipment breakdown property". The event must be one of the following: a. Mechanical breakdown, including rupture or bursting caused by centrifugal force. b. Artificially generated electrical, magnetic or electromagnetic energy, including electric arcing, that damages, disturbs or otherwise interferes with any electrical or electronic wire, device, appliance or network. c. Explosion of steam boilers, steam piping, steam engines or steam turbines owned or leased by you, or operated under your control. d. Physical loss or physical damage to steam boilers, steam pipes, steam engines or steam turbines caused by or resulting from any condition or event inside such boilers or equipment. e. Physical loss or physical damage to hot water boilers or other water heating equipment caused by or resulting from any condition or event inside such boilers or equipment. 2. The following definition is added: "Equipment breakdown property" means Covered Property which, during normal usage, operates under vacuum or pressure, other than the weight of contents, or that generates, transmits or utilizes energy. The following is not "equipment breakdown property": a. Any structure, foundation, cabinet, compartment or air supported structure or building; b. Any insulating or refractory material; c. Any sewer piping, any underground vessels or piping, any piping forming a part of a sprinkler system, water piping other than boiler feedwater piping, boiler condensate return piping, or water piping forming a part of a refrigerating or air conditioning system; d. Any dragline, excavation or construction equipment; e. Any vehicle or any equipment mounted on a vehicle. As used here, vehicle means any machine or apparatus that is used for transportation or moves under its own power. Vehicle includes, but is not limited to, car, truck, bus, trailer, train, aircraft, watercraft, forklift, bulldozer, tractor or harvester. However, any property that is stationary, permanently installed at a "scheduled premises" and that receives electrical power from an external power source will not be considered a vehicle. f. Any equipment manufactured by you for sale. Form SP 31 51 12 23 Page 2 of 2 © 2023, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD CYBER VIRUS AND MALWARE COVERAGE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Paragraph A.6., Coverage Extensions: Cyber Virus and Malware Coverage (1) We will pay for: (a) The cost to replace or restore your "electronic data" or "electronic data" of others which is in your care, custody or control which has been destroyed or corrupted; and (b) The actual loss of Business Income you sustain and necessary Extra Expense you incur during the "computer operations period of restoration" due to a suspension of your "computer operations" caused by destruction or corruption of your "electronic data" or "electronic data" of others in your care, custody or control; Due to a "computer" virus, malware, harmful code or similar instruction introduced into or enacted on your "computer" system (including "electronic data") or a network to which it is connected, designed to damage or destroy any part of the system or disrupt its normal operation. For the purposes of this coverage grant, destruction and corruption does not mean the encryption of data, whether done intentionally or unintentionally. (2) Valuation of Electronic Data (a) Loss or damage to "electronic data" will be valued at the actual, reasonable and necessary costs you incur to restore or replace the "electronic data". But we will not pay the cost or expenses you incur to: (i) Identify or remediate any errors or vulnerabilities or to update, restore, replace, upgrade, maintain or improve any "computer" or "computer" system; (ii) Update, replace, restore or improve any "electronic data" to a level beyond the condition in which it existed immediately preceding the loss or damage; or (iii) Duplicate research that led to the development of your "electronic data" or any proprietary or confidential information or intellectual property in any form. (b) To the extent that "electronic data" is not replaced or 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. (c) If you recover from a licenser, lessor or any other party for loss or damage to "electronic data", our loss payment to you will be reduced by the amount of such recovery. (3) Provisions Applying to Business Income and Extra Expense (a) Business Income means the: (i) Net Income (Net Profit or Loss before income taxes) that would have been earned or incurred if "computer operations" had not been interrupted, but not including any Net Income that would likely have been earned as a result of an increase in the volume of business due to favorable conditions caused by the impact of the "computer" virus, malware, harmful code or similar instruction on customers or on other businesses; and (ii) Continuing normal operating expenses incurred, including payroll expenses. (b) Payroll expenses include: Form SP 31 53 09 24 Page 1 of 4 © 2024, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (i) Payroll; (ii) Employee benefits; if directly related to payroll; (iii) FICA payments you pay; (iv) Union dues you pay; and (v) Workers' compensation premiums. (c) Extra Expense means expense incurred: (i) To avoid or minimize the interruption of business and to continue "computer operations"; or (ii) To minimize the interruption of business if you cannot continue "computer operations"; or to the extent it reduces the amount of loss that otherwise would -have been payable under this Coverage Extension. (d) Extra Expense does not apply to: (i) Any deficiencies in insuring Building, Business Personal Property or Electronic Data; or (ii) Any expense related to any recall of products you manufacture, handle or distribute. (e) With respect to the coverage provided in this Coverage Extension, suspension means the partial slowdown or complete cessation of your "computer operations". (f) We will deduct from the total Extra Expense to be paid: (i) The salvage value that remains of any property bought for temporary use during the "computer operations period of restoration", once "computer operations" are resumed; and (ii) Any Extra Expense that is paid for by other insurance. (g) You must resume all or part of your "computer operations" as quickly as possible. We will reduce the amount of your Business Income loss, other than Extra Expense, to the extent you can resume "computer operations", in whole, or in part, by using any other available means to continue your "computer operations". (4) Exclusions (a) Paragraph 1.j., Electronic Vandalism or Corruption of "Electronic Data" or Corruption of "Computer(s)", of Section B., EXCLUSIONS, does not apply to the coverage provided in this Coverage Extension. (b) This Coverage Extension does not apply to your "stock" of prepackaged software. (c) We will not pay for any loss, damage, loss of Business Income or incurred Extra Expense caused by or resulting from: (i) "Ransomware" or a "cyber extortion event" unless a Limit of Insurance for Digital Ransom and Extortion shown in the Declarations. (ii) Theft, observation, publication, unauthorized access to or loss of confidentiality of your "electronic data" or "electronic data" of others in your care, custody or control. (iii) Unexplained or indeterminable failure, malfunction or slowdown of a "computer' system, including "electronic data". (iv) Complete or substantial failure, disablement or shutdown of the internet, regardless of cause; (v) The inability to access your "electronic data" due to a "computer" virus, malware, harmful code or similar instruction introduced into or enacted on a "computer" system (including "electronic data") or a network that is not in your direct control. (vi) Manipulation of a "computer' system (including "electronic data") by any "employee", including a temporary or leased "employee", or by an entity retained by you, or for you, to inspect, design, install, modify, maintain, repair or replace that system. Form SP 31 53 09 24 Page 2 of 4 © 2024, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (vii)Suspension, lapse or cancellation of any license, lease or contract. But if the suspension, lapse or cancellation is directly caused by the interruption of "computer operations", we will cover such loss that affects your Business Income during the "computer operations period of restoration". (viii)The inability of a "computer" system to correctly recognize, process, distinguish, interpret or accept one or more dates or times. (ix) Any other consequential loss (5) Limits of Insurance (a) The most we will pay for all occurrences in any one "policy year" under this Coverage Extension is the Limit of Insurance shown in the Declarations for Cyber Virus and Malware Coverage. (b) If loss payment on the first occurrence does not exhaust this amount, then the remaining balance is available for subsequent loss or damage sustained in, but not after, that "policy year". With respect to an occurrence which begins in one "policy year" and continues or results in additional loss or damage in a subsequent "policy year(s)", all loss or damage is deemed to be sustained in the "policy year" in which the occurrence began. (c) A waiting period may apply to Business Income coverage provided by this Coverage Extension. If applicable, the waiting period will appear in the Declarations. (d) If a Limit of Insurance is shown in the Declarations for Digital Ransom and Extortion Threats Coverage this limit is the most we will pay in any one "policy year" for all occurrences caused by or resulting from a "cyber extortion event" or "ransomware". This limit is contained within and is not separate from the Limit of Insurance for Cyber Virus and Malware Coverage. (6) Digital Ransom and Extortion Threats — Optional Coverage When a Limit of Insurance is shown in the Declarations for Digital Ransom and Extortion Threats Coverage, we will pay for: (a) The cost to replace or restore your "electronic data" or "electronic data" of others which is in your care, custody or control which has been destroyed or encrypted due to "ransomware"; and (b) The actual loss of Business Income you sustain and necessary Extra Expense you incur during the "computer operations period of restoration" due to a suspension of your "computer operations" caused by: (i) A "cyber extortion event" introduced into or enacted on your "computer" system (including "electronic data"); or (ii) The destruction or encryption of your "electronic data" or "electronic data" of others in your care, custody or control due to "ransomware"; When a Limit of Insurance is shown in the Declarations for Digital Ransom and Extortion Threats Coverage, Exclusions (4)(i) and (4)(v) above do not apply to loss resulting from "ransomware" or a "cyber extortion event". B. The following changes are made to Section G., PROPERTY DEFINITIONS: 1. The following definition is added: "Computer operations" means the use of your "computer" or "computers" of others in your care, custody or control that enables you to conduct your business activities whether such "computer" is located at or away from the "scheduled premises". 2. The following definition is added: "Computer operations period of restoration" means: a. The period of time that: (1) Begins: (a) The number of hours stated in the Declarations after the start of the interruption in your "computer operations" for Business Income Coverage; or Form SP 31 53 09 24 Page3of4 © 2024, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE z , HARTFORD (b) Immediately following the interruption in your "computer operations" for Extra Expense Coverage; and; (2) Ends on the earlier of: (a) The date when you are able to resume your "computer operations" with reasonable speed; or (b) The exhaustion of the number of consecutive months as shown in the Declarations. The expiration date of this Policy will not cut short the "computer operations period of restoration". 3. The following definition is added: "Cyber extortion event" means a demand for payment, exchange of service or item of value, resulting from an act, threat or series of related acts or threats to: a. Destroy or delete your "electronic data", including trade secret or proprietary information that you hold within your "electronic data"; b. Inflict a virus, malware, malicious code, or similar instruction on your "computer" system c. Deploy "ransomware" on your "computer" system. 4. The following definition is added: "Policy year" means the period of time that: a. Begins with the inception or anniversary date of this Coverage Part; and b. Ends at the expiration or at the next anniversary date of this Coverage Part. 5. The following definition is added: "Ransomware" means any software that encrypts "electronic data" held within a "computer" system and demands a ransom payment in order to decrypt such "electronic data". Form SP 31 53 09 24 Page4of4 © 2024, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THEj� HARTFORD BUSINESS LIABILITY COVERAGE FORM READ YOUR POLICY CAREFULLY QUICK REFERENCE A. COVERAGES Business Liability Medical Expenses Coverage Extension - Supplementary Payments B. EXCLUSIONS C. WHO IS AN INSURED D. LIABILITY AND MEDICAL EXPENSES LIMITS OF INSURANCE E. LIABILITY AND MEDICAL EXPENSES GENERAL CONDITIONS 1. Bankruptcy 2. Duties In The Event Of Occurrence, Offense, Claim Or Suit 3. Legal Action Against Us 4. Separation Of Insureds 5. Representations 6. Other Insurance 7. Transfer Of Rights Of Recovery Against Others To Us F. LIABILITY AND MEDICAL EXPENSES DEFINITIONS Beginning On Page 1 2 2 3 12 14 15 15 15 16 16 16 16 18 18 Form SL 00 00 10 18 THE HARTFORD BUSINESS LIABILITY COVERAGE FORM Various provisions in this Policy restrict coverage. Read the entire Policy carefully to determine rights, duties and what is and is not covered. Throughout this Coverage Part the words "you" and "your" refer to the Named Insured shown in the Declarations. The words "we", "us" and "our" refer to the insurance company shown in the Declarations. "Policy period", as used in this Coverage Part, means the period from the effective date of this Coverage Part to the expiration date of the Coverage Part as stated in the Declarations or the date of cancellation, whichever is earlier. The word "insured" means any person or organization qualifying as such under Section C. Who Is An Insured. Other words and phrases that appear in quotation marks have special meaning. Refer to Section F. Liability And Medical Expenses Definitions. A. COVERAGES 1. Business Liability Coverage (Bodily Injury, Property Damage, Personal And Advertising Injury) Insuring Agreement a. We will pay those sums that the insured becomes legally obligated to pay as damages because of "bodily injury", "property damage" or "personal and advertising injury" to which this insurance applies. We will have the right and duty to defend the insured against any "suit" seeking those damages. However, we will have no duty to defend the insured against any "suit" seeking damages for "bodily injury", "property damage" or "personal and advertising injury" to which this insurance does not apply. We may, at our discretion, investigate any "occurrence" or offense and settle any claim or "suit" that may result. But: (1) The amount we will pay for damages is limited as described in Section D. Liability And Medical Expenses Limits Of Insurance; and (2) Our right and duty to defend ends when we have used up the applicable limit of insurance in the payment of judgments, settlements or medical expenses to which this insurance applies. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Coverage Extension - Supplementary Payments. b. This insurance applies: (1) To "bodily injury" and "property damage" only if: (a) The "bodily injury" or "property damage" is caused by an "occurrence" that takes place in the "coverage territory"; (b) The "bodily injury" or "property damage" occurs during the policy period; and (c) Prior to the policy period, no insured listed under Paragraph 1. of Section C. Who Is An Insured and no "employee" authorized by you to give or receive notice of an "occurrence" or claim, knew that the "bodily injury" or "property damage" had occurred, in whole or in part. If such a listed insured or authorized "employee" knew, prior to the policy period, that the "bodily injury" or "property damage" occurred, then any continuation, change or resumption of such "bodily injury" or "property damage" during or after the policy period will be deemed to have been known prior to the policy period. (2) To "personal and advertising injury" caused by an offense arising out of your business, but only if the offense was committed in the "coverage territory" during the policy period. c. "Bodily injury" or "property damage" will be deemed to have been known to have occurred at the earliest time when any insured listed under Paragraph 1. of Section C. Who Is An Insured or any "employee" authorized by you to give or receive notice of an "occurrence" or claim: (1) Reports all, or any part, of the "bodily injury" or "property damage" to us or any other insurer; (2) Receives a written or verbal demand or claim for damages because of the "bodily injury" or "property damage"; or Form SL 00 0010 18 Page 1 of 22 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THE HARTFORD (3) Becomes aware by any other means that "bodily injury" or "property damage" has occurred or has begun to occur. d. Damages because of "bodily injury" include damages claimed by any person or organization for care, loss of services or death resulting at any time from the "bodily injury". e. Incidental Medical Malpractice (1) "Bodily injury" arising out of the rendering of or failure to render professional health care services as a physician, dentist, nurse, emergency medical technician or paramedic shall be deemed to be caused by an "occurrence", but only if: (a) The physician, dentist, nurse, emergency medical technician or paramedic is employed by you to provide such services; and (b) You are not engaged in the business or occupation of providing such services. (2) For the purpose of determining the limits of insurance for incidental medical malpractice, any act or omission together with all related acts or omissions in the fumishing of these services to any one person will be considered one "occurrence". 2. Medical Expenses Insuring Agreement a. We will pay medical expenses as described below for "bodily injury" caused by an accident: (1) On premises you own or rent; (2) On ways next to premises you own or rent; or (3) Because of your operations; provided that: (1) The accident takes place in the "coverage territory" and during the policy period; (2) The expenses are incurred and reported to us within three years of the date of the accident; and (3) The injured person submits to examination, at our expense, by physicians of our choice as often as we reasonably require. b. We will make these payments regardless of fault. These payments will not exceed the applicable limit of insurance. We will pay reasonable expenses for: (1) First aid administered at the time of an accident; (2) Necessary medical, surgical, x-ray and dental services, including prosthetic devices; and (3) Necessary ambulance, hospital, professional nursing and funeral services. 3. Coverage Extension - Supplementary Payments a. We will pay, with respect to any claim we investigate or settle, or any "suit" against an insured we defend: (1) All expenses we incur. (2) Up to $1,000 for the cost of bail bonds required because of accidents or traffic law violations arising out of the use of any vehicle to which Business Liability Coverage for "bodily injury" applies. We do not have to furnish these bonds. (3) The cost of appeal bonds or bonds to release attachments, but only for bond amounts within the applicable limit of insurance. We do not have to furnish, finance, arrange for, guarantee, or collateralize these bonds, whether the collateralization is characterized as premium or not. (4) All reasonable expenses incurred by the insured at our request to assist us in the investigation or defense of the claim or "suit", including actual loss of earnings up to $500 a day because of time off from work. (5) All court costs taxed against the insured in the "suit". However, such costs do not include attorneys' fees, attorneys' expenses, witness or expert fees, or any other expenses of a party taxed against the insured. (6) Prejudgment interest awarded against the insured on that part of the judgment we pay. If we make an offer to pay the applicable limit of insurance, we will not pay any prejudgment interest based on that period of time after the offer. Form SL 00 0010 18 Page 2 of 22 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THE` HARTFORD (7) All interest on the full amount of any judgment that accrues after entry of the judgment and before we have paid, offered to pay, or deposited in court the part of the judgment that is within the applicable limit of insurance. Any amounts paid under (1) through (7) above will not reduce the Limits of Insurance. b. If we defend an insured against a "suit" and an indemnitee of the insured is also named as a party to the "suit", we will defend that indemnitee if all of the following conditions are met (1) The "suit" against the indemnitee seeks damages for which the insured has assumed the liability of the indemnitee in a contract or agreement that is an "insured contract"; (2) This insurance applies to such liability assumed by the insured; (3) The obligation to defend, or the cost of the defense of, that indemnitee, has also been assumed by the insured in the same "insured contract"; (4) The allegations in the "suit" and the information we know about the "occurrence" are such that no conflict appears to exist between the interests of the insured and the interest of the indemnitee; (5) The indemnitee and the insured ask us to conduct and control the defense of that indemnitee against such "suit" and agree that we can assign the same counsel to defend the insured and the indemnitee; and (6) The indemnitee: (a) Agrees in writing to: (i) Cooperate with us in the investigation, settlement or defense of the "suit"; (ii) Immediately send us copies of any demands, notices, summonses or legal papers received in connection with the "suit"; (iii) Notify any other insurer whose coverage is available to the indemnitee; and (iv) Cooperate with us with respect to coordinating other applicable insurance available to the indemnitee; and (b) Provides us with written authorization to: (i) Obtain records and other information related to the "suit"; and (ii) Conduct and control the defense of the indemnitee in such "suit". So long as the above conditions are met, attorneys' fees incurred by us in the defense of that indemnitee, necessary litigation expenses incurred by us and necessary litigation expenses incurred by the indemnitee at our request will be paid as Supplementary Payments. Notwithstanding the provisions of Paragraph 1.b.(b) of Section B. Exclusions, such payments will not be deemed to be damages for "bodily injury" and "property damage" and will not reduce the Limits of Insurance. Our obligation to defend an insured's indemnitee and to pay for attorneys' fees and necessary litigation expenses as Supplementary Payments ends when: (1) We have used up the applicable limit of insurance in the payment of judgments or settlements; or (2) The conditions set forth above, or the terms of the agreement described in Paragraph (6) above, are no longer met. B. EXCLUSIONS 1. Applicable To Business Liability Coverage This insurance does not apply to: a. Expected Or Intended Injury (1) "Bodily injury" or "property damage" expected or intended from the standpoint of the insured. This exclusion does not apply to "bodily injury" or "property damage" resulting from the use of reasonable force to protect persons or property; or (2) "Personal and advertising injury" arising out of an offense committed by, at the direction of or with the consent or acquiescence of the insured with the expectation of inflicting "personal and advertising injury". Form SL 00 00 10 18 Page 3 of 22 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THE ,ar HARTFORD b. Contractual Liability (1) "Bodily injury" or "property damage"; or (2) "Personal and advertising injury" for which the insured is obligated to pay damages by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability for damages because of: (a) "Bodily injury", "property damage" or "personal and advertising injury" that the insured would have in the absence of the contractor agreement; or (b) "Bodily injury" or "property damage" assumed in a contract or agreement that is an "insured contract", provided the "bodily injury" or "property damage" occurs subsequent to the execution of the contract or agreement. Solely for the purpose of liability assumed in an "insured contract", reasonable attorneys' fees and necessary litigation expenses incurred by or for a party other than an insured are deemed to be damages because of "bodily injury" or "property damage" provided: (i) Liability to such party for, or for the cost of, that party's defense has also been assumed in the same "insured contract"; and (ii) Such attorneys' fees and litigation expenses are for defense of that party against a civil or alternative dispute resolution proceeding in which damages to which this insurance applies are alleged. c. Liquor Liability "Bodily injury" or "property damage" for which any insured may be held liable by reason of: (1) Causing or contributing to the intoxication of any person; (2) The furnishing of alcoholic beverages to a person under the legal drinking age or under the influence of alcohol; (3) Providing or failing to provide transportation with respect to any person that may be under the influence of alcohol; or (4) Any statute, ordinance or regulation relating to the sale, gift, distribution or use of alcoholic beverages. This exclusion applies even if the claims allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by an insured, if the "bodily injury" or "property damage" involved that which is described in Paragraph (1), (2), (3) or (4) above. However, this exclusion applies only if you are in the business of manufacturing, distributing, selling, serving or furnishing alcoholic beverages. For the purposes of this exclusion, permitting a person to bring alcoholic beverages on your premises, for consumption on your premises, whether or not a fee is charged or a license is required for such activity, is not by itself considered the business of selling, serving, or furnishing alcoholic beverages. d. Workers' Compensation And Similar Laws Any obligation of the insured under a workers' compensation, disability benefits or unemployment compensation law or any similar law. e. Employer's Liability "Bodily injury" to: (1) An "employee" of the insured arising out of and in the course of: (a) Employment by the insured; or (b) Performing duties related to the conduct of the insured's business; or (2) The spouse, child, parent, brother or sister of that "employee" as a consequence of (1) above. This exclusion applies: (1) Whether the insured may be liable as an employer or in any other capacity; and (2) To any obligation to share damages with or repay someone else who must pay damages because of the injury. Form SL 00 00 10 18 Page 4 of 22 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THE HARTFORD This exclusion does not apply to liability assumed by the insured under an "insured contract". f. Pollution (1) "Bodily injury", "property damage" or "personal and advertising injury" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of "pollutants": (a) At or from any premises, site or location which is or was at any time owned or occupied by, or rented or loaned to any insured. However, this paragraph does not apply to: (i) "Bodily injury" if sustained within a building and caused by smoke, fumes, vapor or soot produced by or originating from equipment that is used to heat, cool or dehumidify the building, or equipment that is used to heat water for personal use, by the building's occupants or their guests; (ii) "Bodily injury" or "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 this Coverage Part as an additional insured with respect to your ongoing operations performed for that additional insured at that premises, site or location and such premises, site or location is not and never was owned or occupied by, or rented or loaned to, any insured, other than that additional insured; or (iii) "Bodily injury" or "property damage" arising out of heat, smoke or fumes from a "hostile fire"; (b) At or from any premises, site or location which is or was at any time used by or for any insured or others for the handling, storage, disposal, processing or treatment of waste; (c) Which are or were at any time transported, handled, stored, treated, disposed of, or processed as waste by or for: (i) Any insured; or (ii) Any person or organization for whom you may be legally responsible; (d) At or from any premises, site or location on which any insured or any contractors or subcontractors working directly or indirectly on any insured's behalf are performing operations if the "pollutants" are brought on or to the premises, site or location in connection with such operations by such insured, contractor or subcontractor. However, this paragraph does not apply to: (i) "Bodily injury" or "property damage" arising out of the escape of fuels, lubricants or other operating fluids which are needed to perform the normal electrical, hydraulic or mechanical functions necessary for the operation of "mobile equipment" or its parts, if such fuels, lubricants or other operating fluids escape from a vehicle part designed to hold, store or receive them. This exception does not apply if the "bodily injury" or "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 other operating fluids are brought on or to the premises, site or location with the intent that they be discharged, dispersed or released as part of the operations being performed by such insured, contractor or subcontractor; (ii) "Bodily injury" or "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 on your behalf by a contractor or subcontractor; or (iii) "Bodily injury" or "property damage" arising out of heat, smoke or fumes from a "hostile fire"; or (e) At or from any premises, site or location on which any insured or any contractors or subcontractors working directly or indirectly on any insured's behalf are performing operations if the 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". (2) Any loss, cost or expense arising out of any: (a) Request, demand, order or statutory or regulatory requirement that any insured or others test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of, "pollutants"; or (b) Claim or "suit" by or on behalf of a governmental authority for damages because of testing for, monitoring, cleaning up, removing, containing, treating, detoxifying or neutralizing, or in any way responding to, or assessing the effects of, "pollutants". Form SL 00 00 10 18 Page 5 of 22 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THE HARTFORD g• However, this paragraph does not apply to liability for damages because of "property damage" that the insured would have in the absence of such request, demand, order or statutory or regulatory requirement, or such claim or "suit" by or on behalf of a governmental authority. Aircraft, Auto Or Watercraft (1) Unmanned Aircraft "Bodily injury" or "property damage" arising out of the ownership, maintenance, use or entrustment to others of any aircraft that is an "unmanned aircraft". Use includes operation and "loading or unloading". This Exclusion g.(1) applies even if the claims against any insured allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that insured, if the "bodily injury" or "property damage" arises out of the ownership, maintenance, use or entrustment to others of any aircraft that is an "unmanned aircraft". (2) Aircraft (Other Than Unmanned Aircraft), Auto or Watercraft "Bodily injury" or "property damage" arising out of the ownership, maintenance, use or entrustment to others of any aircraft (other than "unmanned aircraft"), "auto" or watercraft owned or operated by or rented or loaned to any insured. Use includes operation and "loading or unloading". This Exclusion g.(2) applies even if the claims against any insured allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that insured, if the "bodily injury" or "property damage" arises out of the ownership, maintenance, use or entrustment to others of any aircraft (other than "unmanned aircraft"), "auto" or watercraft that is owned or operated by or rented or loaned to any insured. This Exclusion g.(2) does not apply to: (a) A watercraft while ashore on premises you own or rent; (b) A watercraft you do not own that is: (i) Less than 51 feet long; and (ii) Not being used to carry persons or property for a charge; (c) Parking an "auto" on, or on the ways next to, premises you own or rent, provided the "auto" is not owned by or rented or loaned to you or the insured; (d) Liability assumed under any "insured contract" for the ownership, maintenance or use of aircraft (other than "unmanned aircraft") or watercraft; (e) "Bodily injury" or "property damage" arising out of: (i) The operation of any of the machinery or equipment listed in Paragraph f.(2) or f.(3) of the definition of "mobile equipment"; or (ii) The operation of machinery or equipment that is attached to, or part of, a land vehicle that would qualify under the definition of "mobile equipment" if it were not subject to a compulsory or financial responsibility law or other motor vehicle insurance or motor vehicle registration law where it is licensed or principally garaged; or (f) An aircraft (other than "unmanned aircraft") that is not owned by any insured and is hired, chartered or loaned with a paid crew. However, this exception does not apply if the insured has any other insurance for such "bodily injury" or "property damage", whether the other insurance is primary, excess, contingent or on any other basis. h. Mobile Equipment "Bodily injury" or "property damage" arising out of: (1) The transportation of "mobile equipment" by an "auto" owned or operated by or rented or loaned to any insured; or (2) The use of "mobile equipment" in, or while in practice or preparation for, a prearranged racing, speed or demolition contest or in any stunting activity. Form SL 00 00 10 18 Page 6 of 22 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THE HARTFORD i. War "Bodily injury", "property damage" or "personal and advertising injury", however caused, arising, directly or indirectly, out of: (1) War, including undeclared or civil war; (2) Warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or (3) Insurrection, rebellion, revolution, usurped power, or action taken by governmental authority in hindering or defending against any of these. j. Professional Services "Bodily injury", "property damage" or "personal and advertising injury" arising out of the rendering of or failure to render any professional service. This includes but is not limited to: (1) Legal, accounting or advertising services; (2) Preparing, approving, or failing to prepare or approve maps, shop drawings, opinions, reports, surveys, field orders, change orders, designs or drawings and specifications; (3) Supervisory, inspection, architectural or engineering activities; (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 or skin enhancement, hair removal or replacement or personal grooming; (7) Optical or hearing aid services including the prescribing, preparation, fitting, demonstration or distribution of ophthalmic lenses and similar products or hearing aid devices; (8) Optometry or optometric services including but not limited to examination of the eyes and the prescribing, preparation, fitting, demonstration or distribution of ophthalmic lenses and similar products; (9) Any: (a) Body piercing (not including ear piercing); (b) Tattooing, including but not limited to the insertion of pigments into or under the skin; and (c) Similar services; (10)Pharmaceutical services including but not limited to: (a) The administering, prescribing, preparing, distributing or compounding of pharmaceutical drugs, vaccinations, immunizations or any of their component parts; (b) The providing of or failure to provide home health care or home infusion products or services; and (c) Advising and consulting customers; (11)Computer consulting, design or programming services, including web site design. This exclusion applies even if the claims allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by an insured, if the "bodily injury", "property damage", or "personal and advertising injury" arises out of the rendering of or the failure to render any professional service. Paragraphs (4) and (5) of this exclusion do not apply to the Incidental Medical Malpractice coverage afforded under Paragraph 1.e. in Section A. Coverages. k. Damage To Property "Property damage" to: (1) Property you own, rent or occupy, including any costs or expenses incurred by you, or any other person, organization or entity, for repair, replacement, enhancement, restoration or maintenance of such property for any reason, including prevention of injury to a person or damage to another's property; (2) Premises you sell, give away or abandon, if the "property damage" arises out of any part of those premises; Form SL 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) Page 7 of 22 THE HARTFORD (3) Property loaned to you; (4) Personal property in the care, custody or control of the insured; (5) 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 (6) That particular part of any property that must be restored, repaired or replaced because "your work" was incorrectly performed on it. Paragraphs (1), (3) and (4) of this exclusion do not apply to "property damage" (other than damage by fire) to premises, including the contents of such premises, rented to you for a period of 7 or fewer consecutive days. A separate limit of insurance applies to Damage To Premises Rented To You as described in Section D. Limits Of Insurance. Paragraph (2) of this exclusion does not apply if the premises are "your work" and were never occupied, rented or held for rental by you. Paragraphs (3) and (4) of this exclusion do not apply to the use of elevators. Paragraphs (3), (4), (5) and (6) of this exclusion do not apply to liability assumed under a sidetrack agreement. Paragraphs (3) and (4) of this exclusion do not apply to "property damage" to borrowed equipment while not being used to perform operations at a job site. Paragraph (6) of this exclusion does not apply to "property damage" included in the "products -completed operations hazard". I. Damage To Your Product "Property damage" to "your product" arising out of it or any part of it. m. Damage To Your Work "Property damage" to "your work" arising out of it or any part of it and included in the "products -completed operations hazard". This exclusion does not apply if the damaged work or the work out of which the damage arises was performed on your behalf by a subcontractor. Damage To Impaired Property Or Property Not Physically Injured "Property damage" to "impaired property" or property that has not been physically injured, arising out of: (1) A defect, deficiency, inadequacy or dangerous condition in "your product" or "your work"; or (2) A delay or failure by you or anyone acting on your behalf to perform a contract or agreement in accordance with its terms. This exclusion does not apply to the loss of use of other property arising out of sudden and accidental physical injury to "your product" or "your work" after it has been put to its intended use. Recall Of Products, Work Or Impaired Property Damages claimed for any loss, cost or expense incurred by you or others for the loss of use, withdrawal, recall, inspection, repair, replacement, adjustment, removal or disposal of: (1) "Your product"; (2) "Your work"; or (3) "Impaired property"; if such product, work or property is withdrawn or recalled from the market or from use by any person or organization because of a known or suspected defect, deficiency, inadequacy or dangerous condition in it. p. Personal And Advertising Injury "Personal and advertising injury": (1) Arising out of oral, written, electronic, or any other manner of publication of material, if done by or at the direction of the insured with knowledge of its falsity; Form SL 00 00 10 18 Page 8 of 22 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THE HARTFORD (2) Arising out of oral, written, electronic, or any other manner of publication of material whose first publication took place before the beginning of the policy period; (3) Arising out of a criminal act committed by or at the direction of the insured; (4) Arising out of any breach of contract, except an implied contract to use another's "advertising idea" in your "advertisement"; (5) Arising out of the failure of goods, products or services to conform with any statement of quality or performance made in your "advertisement"; (6) Arising out of the wrong description of the price of goods, products or services; (7) Arising out of: (a) Any actual or alleged infringement or violation of any intellectual property rights, such as copyright, patent, right of publicity, trademark, trade dress, trade name, trade secret, service mark or other designation of origin or authenticity; or (b) Any injury or damage alleged in any claim or "suit" that also alleges an infringement or violation of any intellectual property right, whether such allegation of infringement or violation is made against you, or by you or by any other party involved in the claim or "suit", regardless of whether this insurance would otherwise apply. However, this exclusion does not apply if the only allegation in the claim or "suit" involving any intellectual property right is limited to: (i) Infringement, in your "advertisement", of: a. Copyright; b. Slogan; unless the slogan is also a trademark, trade dress, trade name, service mark or other designation of origin or authenticity; or c. Title of any literary or artistic work; or (ii) Copying, in your "advertisement", a person's or organization's "advertising idea" or style of "advertisement". Paragraph (7)(b)ii above shall not apply to claims or "suits" alleging infringement or violation of trademark, trade dress, trade name, service mark or other designation of origin or authenticity. (8) Arising out of an offense committed by an insured whose business is: (a) Advertising, broadcasting, publishing or telecasting; (b) Designing or determining content of web sites for others; or (c) An Internet search, access, content or service provider. However, this exclusion does not apply to Paragraphs a., b. and c. under the definition of "personal and advertising injury" in Section F. Liability And Medical Expenses Definitions. For the purposes of this exclusion, the placing of frames, borders, or links, or advertising, for you or others anywhere on the Internet, is not by itself, considered the business of advertising, broadcasting, publishing or telecasting; (9) Arising out of an electronic chat room or bulletin board the insured hosts, owns, or over which the insured exercises control; (10)Arising out of the unauthorized use of another's name or product in your e-mail address, domain name or metatags, or any other similar tactics to mislead another's potential customers; (11)Arising out of the violation of a person's right of privacy created by any state or federal act. However, this exclusion does not apply to liability for damages that the insured would have in the absence of such state or federal act; (12)Arising out of: (a) Advertising content for others on your web site; (b) Placing a link to a web site of others on your web site; Form SL 00 00 10 18 Page 9 of 22 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THE HARTFORD q. (c) Content from a web site of others displayed within a frame or border on your web site. Content includes information, code, sounds, text, graphics or images; or (d) Computer code, software or programming used to enable: (i) Your web site; or (ii) The presentation or functionality of an "advertisement" or other content on your web site; (13)Arising out of a violation of any anti-trust law; (14)Arising out of the fluctuation in price or value of any stocks, bonds or other securities; (15)Arising out of any access to or disclosure of any person's or organization's confidential or personal information, including patents, trade secrets, processing methods, customer lists, financial information, credit card information, health information or any other type of nonpublic information. This exclusion applies even if damages are claimed for notification costs, credit monitoring expenses, forensic expenses, public relations expenses or any other loss, cost or expense incurred by you or others arising out of any access to or disclosure of any person's or organization's confidential or personal information; or (16)Arising out of the ownership, maintenance, use or entrustment to others of any aircraft that is an "unmanned aircraft". Use includes operation and "loading or unloading". This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that insured, if the "personal and advertising injury" arises out of the ownership, maintenance, use or entrustment to others of any aircraft that is an "unmanned aircraft". However, this exclusion does not apply if the only allegation in the claim or "suit" involves an intellectual property right which is limited to: (a) Infringement, in your "advertisement", of: (i) Copyright; (ii) Slogan; or (iii) Title of any literary or artistic work; or (b) Copying, in your "advertisement", a person's or organization's "advertising idea" or style of "advertisement". Access Or Disclosure Of Confidential Or Personal Information And Data -Related Liability (1) Damages because of "bodily injury" or "property damage" arising out of any access to or disclosure of any person's or organization's confidential or personal information, including patents, trade secrets, processing methods, customer lists, financial information, credit card information, health information or any other type of nonpublic information; or (2) Damages arising out of the loss of, loss of use of, damage to, corruption of, inability to access, or inability to manipulate "electronic data". This exclusion applies even if such damages are claimed for notification costs, credit monitoring expenses, forensic expenses, public relations expenses or any other loss, cost or expense incurred by you or others arising out of that which is described in Paragraphs (1) or (2) above. However, unless Paragraph (1) above applies, this exclusion does not apply to damages because of "bodily injury". r. Employment -Related Practices "Bodily injury" or "personal and advertising injury" to: (1) A person arising out of any: (a) Refusal to employ that person; (b) Termination of that person's employment; or Form SL 00 00 10 18 Page 10 of 22 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THE HARTFORD (c) Employment -related practices, policies, acts or omissions, such as coercion, demotion, evaluation, reassignment, discipline, defamation, harassment, humiliation, discrimination, malicious prosecution or false arrest directed at that person; or (2) The spouse, child, parent, brother or sister of that person as a consequence of "bodily injury" or "personal and advertising injury" to that person at whom any of the employment -related practices described in Paragraphs (a), (b), or (c) above is directed. This exclusion applies: (1) Whether the injury -causing event described in Paragraphs (a), (b), or (c) above occurs before employment, during employment or after employment of that person; (2) Whether the insured may be liable as an employer or in any other capacity; and (3) To any obligation to share damages with or repay someone else who must pay damages because of the injury. Asbestos (1) "Bodily injury", "property damage" or "personal and advertising injury" arising out of the "asbestos hazard". (2) Any damages, judgments, settlements, loss, costs or expenses that (a) May be awarded or incurred by reason of any claim or "suit" alleging actual or threatened injury or damage of any nature or kind to persons or property which would not have occurred in whole or in part but for the "asbestos hazard"; (b) Arise out of any request, demand, order or statutory or regulatory requirement that any insured or others test for, monitor, clean up, remove, encapsulate, contain, treat, detoxify or neutralize or in any way respond to or assess the effects of an "asbestos hazard"; or (c) Arise out of any claim or "suit" for damages because of testing for, monitoring, cleaning up, removing, encapsulating, containing, treating, detoxifying or neutralizing or in any way responding to or assessing the effects of an "asbestos hazard". t. Recording And Distribution Of Material Or Information In Violation Of Law "Bodily injury", "property damage", or "personal and advertising injury" arising directly or indirectly out of any action or omission that violates or is alleged to violate: (1) The Telephone Consumer Protection Act (TCPA), including any amendment of or addition to such law; (2) The CAN-SPAM Act of 2003, including any amendment of or addition to such law; (3) The Fair Credit Reporting Act (FCRA), and any amendment of or addition to such law, including the Fair and Accurate Credit Transaction Act (FACTA); or (4) Any federal, state or local statute, ordinance or regulation, other than the TCPA, CAN-SPAM Act of 2003 or FCRA and their amendments and additions, that addresses, prohibits or limits the printing, dissemination, disposal, collecting, recording, sending, transmitting, communicating or distribution of material or information. Damage To Premises Rented To You — Exception For Damage By Fire, Lightning Or Explosion Exclusions c. through h. and k. through o. do not apply to damage by fire, lightning or explosion to premises rented to you or temporarily occupied by you with permission of the owner. A separate limit of insurance applies to this coverage as described in Section D. Liability And Medical Expenses Limits Of Insurance. 2. Applicable To Medical Expenses Coverage We will not pay expenses for "bodily injury": a. Any Insured To any insured, except "volunteer workers". b. Hired Person To a person hired to do work for or on behalf of any insured or a tenant of any insured. Form SL 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) Page 11 of 22 THE HARTFORD c. Injury On Normally Occupied Premises To a person injured on that part of premises you own or rent that the person normally occupies. d. Workers' Compensation And Similar Laws To a person, whether or not an "employee" of any insured, if benefits for the "bodily injury" are payable or must be provided under a workers' compensation or disability benefits law or a similar law. Athletics Activities To a person injured while practicing, instructing or participating in any physical exercises or games, sports or athletic contests. f. Products -Completed Operations Hazard Included with the "products -completed operations hazard". g. Business Liability Exclusions Excluded under Business Liability Coverage. C. WHO IS AN INSURED 1. If you are designated in the Declarations as: a. An individual, you and your spouse are insureds, but only with respect to the conduct of a business, other than that described in b. through e. below, of which you are the sole owner. b. A partnership or joint venture, you are an insured. Your members, your partners, and their spouses are also insureds, but only with respect to the conduct of your business. c. A limited liability company, you are an insured. Your members are also insureds, but only with respect to the conduct of your business. Your managers are insureds, but only with respect to their duties as your managers. d. An organization other than a partnership, joint venture or limited liability company, you are an insured. Your "executive officers" and directors are insureds, but only with respect to their duties as your officers or directors. Your stockholders are also insureds, but only with respect to their liability as stockholders. e. A trust, you are an insured. Your trustees are also insureds, but only with respect to their duties as trustees. 2. Each of the following is also an insured: a. Employees And Volunteer Workers Your "volunteer workers" only while performing duties related to the conduct of your business, or your "employees", other than either your "executive officers" (if you are an organization other than a partnership, joint venture or limited liability company) or your managers (if you are a limited liability company), but only for acts within the scope of their employment by you or while performing duties related to the conduct of your business. However, none of these "employees" or "volunteer workers" are insureds for: (1) "Bodily injury" or "personal and advertising injury": (a) To you, to your partners or members (if you are a partnership or joint venture), to your members (if you are a limited liability company), or to a co -"employee" while in the course of his or her employment or performing duties related to the conduct of your business, or to your other "volunteer workers" while performing duties related to the conduct of your business; (b) To the spouse, child, parent, brother or sister of that co -"employee" or that "volunteer worker" as a consequence of Paragraph (1)(a) above; (c) For which there is any obligation to share damages with or repay someone else who must pay damages because of the injury described in Paragraphs (1)(a) or (b) above; or (d) Arising out of his or her providing or failing to provide professional health care services. If you are not in the business of providing professional health care services, Paragraph (d) does not apply to any nurse, emergency medical technician or paramedic employed by you to provide such services. (2) "Property damage" to property: Form SL 00 00 10 18 Page 12 of 22 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THE HARTFORD (a) Owned, occupied or used by: (b) Rented to, in the care, custody or control of, or over which physical control is being exercised for any purpose by you, any of your "employees", "volunteer workers", any partner or member (if you are a partnership or joint venture), or any member (if you are a limited liability company). b. Real Estate Manager Any person (other than your "employee" or "volunteer worker"), or any organization while acting as your real estate manager. c. Temporary Custodians Of Your Property Any person or organization having proper temporary custody of your property if you die, but only: (1) With respect to liability arising out of the maintenance or use of that property; and (2) Until your legal representative has been appointed. d. Legal Representative If You Die Your legal representative if you die, but only with respect to duties as such. That representative will have all your rights and duties under this insurance. Unnamed Subsidiary Any subsidiary and subsidiary thereof, of yours which is a legally incorporated entity of which you own a financial interest of more than 50% of the voting stock on the effective date of this Coverage Part. The insurance afforded herein for any subsidiary not shown in the Declarations as a named insured does not apply to injury or damage with respect to which an insured under this insurance is also an insured under another policy or would be an insured under such policy but for its termination or upon the exhaustion of its limits of insurance. 3. Newly Acquired Or Formed Organization Any organization you newly acquire or form, other than a partnership, joint venture or limited liability company, and over which you maintain financial interest of more than 50% of the voting stock, will qualify as a Named Insured if there is no other similar insurance available to that organization. However: a. Coverage under this provision is afforded only until the 180th day after you acquire or form the organization or the end of the policy period, whichever is earlier; and b. Coverage under this provision does not apply to: (1) "Bodily injury" or "property damage" that occurred; or (2) "Personal and advertising injury" arising out of an offense committed before you acquired or formed the organization. 4. Operator Of Mobile Equipment With respect to "mobile equipment" any person is an insured while driving such equipment along a public highway with your permission. Any other person or organization responsible for the conduct of such person is also an insured, but only with respect to liability arising out of the operation of the equipment, and only if no other insurance of any kind is available to that person or organization for this liability. However, no person or organization is an insured with respect to: a. "Bodily injury" to a co -"employee" of the person driving the equipment; or b. "Property damage" to property owned by, rented to, in the charge of or occupied by you or the employer of any person who is an insured under this provision. 5. Operator Of Nonowned Watercraft With respect to watercraft you do not own that is less than 51 feet long and is not being used to carry persons or property for a charge, any person is an insured while operating such watercraft with your permission. Any other person or organization responsible for the conduct of such person is also an insured, but only with respect to liability arising out of the operation of the watercraft, and only if no other insurance of any kind is available to that person or organization for this liability. However, no person or organization is an insured with respect to: Form SL 00 00 10 18 Page 13 of 22 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THEE HARTFORD a. "Bodily injury" to a co -"employee" of the person operating the watercraft; or b. "Property damage" to property owned by, rented to, in the charge of or occupied by you or the employer of any person who is an insured under this provision. No person or organization is an insured with respect to the conduct of any current or past partnership, joint venture or limited liability company that is not shown as a Named Insured in the Declarations. D. LIABILITY AND MEDICAL EXPENSES LIMITS OF INSURANCE 1. The Most We Will Pay The Limits of Insurance shown in the Declarations and the rules below fix the most we will pay regardless of the number of: a. Insureds; b. Claims made or "suits" brought; or c. Persons or organizations making claims or bringing "suits". 2. Aggregate Limits The most we will pay for: a. Damages because of "bodily injury" and "property damage" included in the "products -completed operations hazard" is the Products -Completed Operations Aggregate Limit shown in the Declarations. b. Damages because of all other "bodily injury", "property damage" or "personal and advertising injury", including medical expenses, is the General Aggregate Limit shown in the Declarations. This General Aggregate limit does not apply to "property damage" to premises while rented to you or temporarily occupied by you with permission of the owner, arising out of fire, lightning or explosion. 3. Each Occurrence Limit Subject to 2.a. or 2.b above, whichever applies, the most we will pay for the sum of all damages because of all "bodily injury", "property damage" and medical expenses arising out of any one "occurrence" is the Liability and Medical Expenses Limit shown in the Declarations. The most we will pay for all medical expenses because of "bodily injury" sustained by any one person is the Medical Expenses Limit shown in the Declarations. 4. Personal And Advertising Injury Limit Subject to 2.b. above, the most we will pay for the sum of all damages because of all "personal and advertising injury" sustained by any one person or organization is the Personal and Advertising Injury Limit shown in the Declarations. 5. Damage To Premises Rented To You Limit The Damage To Premises Rented To You Limit is the most we will pay under Business Liability Coverage for damages because of "property damage" to any one premises, while rented to you, or in the case of damage by fire, lightning or explosion, while rented to you or temporarily occupied by you with permission of the owner. In the case of damage by fire, lightning or explosion, the Damage to Premises Rented To You Limit applies to all damage proximately caused by the same event, whether such damage results from fire, lightning or explosion or any combination of these. 6. How Limits Apply To Additional Insureds The most we will pay on behalf of a person or organization who is an additional insured under this Coverage Part is the lesser of: a. The limits of insurance required in a written contract, written agreement or permit; or b. The Limits of Insurance shown in the Declarations. Such amount shall be a part of and not in addition to the Limits of Insurance shown in the Declarations and described in this Section. If more than one limit of insurance under this Policy and any endorsements attached thereto applies to any claim or "suit", the most we will pay under this Policy and the endorsements is the single highest limit of liability of all Form SL 00 00 10 18 Page 14 of 22 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THE HARTFORD coverages applicable to such claim or "suit". However, this paragraph does not apply to the Medical Expenses limit set forth in Paragraph 3. above. The Limits of Insurance of this Coverage Part apply separately to each consecutive annual period and to any remaining period of less than 12 months, starting with the beginning of the policy period shown in the Declarations, unless the policy period is extended after issuance for an additional period of less than 12 months. In that case, the additional period will be deemed part of the last preceding period for purposes of determining the Limits of Insurance. E. LIABILITY AND MEDICAL EXPENSES GENERAL CONDITIONS 1. Bankruptcy Bankruptcy or insolvency of the insured or of the insured's estate will not relieve us of our obligations under this Coverage Part. 2. Duties In The Event Of Occurrence, Offense, Claim Or Suit a. Notice Of Occurrence Or Offense You or any additional insured under this Coverage Part must see to it that we are notified as soon as practicable of an "occurrence" or an offense which may result in a claim. To the extent possible, notice should include: (1) How, when and where the "occurrence" or offense took place; (2) The names and addresses of any injured persons and witnesses; and (3) The nature and location of any injury or damage arising out of the "occurrence" or offense. b. Notice Of Claim If a claim is made or "suit" is brought against any insured, you or any additional insured under this Coverage Part must (1) Immediately record the specifics of the claim or "suit" and the date received; and (2) Notify us as soon as practicable. You or any additional insured under this Coverage Part must see to it that we receive a written notice of the claim or "suit" as soon as practicable. Assistance And Cooperation Of The Insured You and any other involved insured must: (1) Immediately send us copies of any demands, notices, summonses or legal papers received in connection with the claim or "suit"; (2) Authorize us to obtain records and other information; (3) Cooperate with us in the investigation, settlement of the claim or defense against the "suit"; and (4) Assist us, upon our request, in the enforcement of any right against any person or organization that may be liable to the insured because of injury or damage to which this insurance may also apply. d. Obligations At The Insured's Own Cost No insured will, except at that insured's own cost, voluntarily make a payment, assume any obligation, or incur any expense, other than for first aid, without our consent. Additional Insured's Other Insurance If we cover a claim or "suit" under this Coverage Part that may also be covered by other insurance available to an additional insured under this Coverage Part, such additional insured must submit such claim or "suit" to the other insurer for defense and indemnity. However, this provision does not apply to the extent that you have agreed in a written contract, written agreement or permit that this insurance is primary and non-contributory with such additional insured's own insurance. f. Knowledge Of An Occurrence, Offense, Claim Or Suit Paragraphs a. and b. apply to you or to any additional insured under this Coverage Part only when such "occurrence", offense, claim or "suit" is known to: Form SL 00 00 10 18 Page 15 of 22 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THE HARTFORD (1) You or any additional insured under this Coverage Part that is an individual; (2) Any partner, if you or an additional insured under this Coverage Part is a partnership; (3) Any manager, if you or an additional insured under this Coverage Part is a limited liability company; (4) Any "executive officer" or insurance manager, if you or an additional insured under this Coverage Part is a corporation; (5) Any trustee, if you or an additional insured under this Coverage Part is a trust; or (6) Any elected or appointed official, if you or an additional insured under this Coverage Part is a political subdivision or public entity. This Paragraph f. applies separately to you and any additional insured under this Coverage Part. 3. Legal action Against Us No person or organization has a right under this Coverage Part: a. To join us as a party or otherwise bring us into a "suit" asking for damages from an insured; or b. To sue us on this Coverage Part unless all of its terms have been fully complied with. A person or organization may sue us to recover on an agreed settlement or on a final judgment against an insured; but we will not be liable for damages that are not payable under the terms of this insurance or that are in excess of the applicable limit of insurance. An agreed settlement means a settlement and release of liability signed by us, the insured and the claimant or the claimant's legal representative. 4. Separation Of Insureds Except with respect to the Limits of Insurance, and any rights or duties specifically assigned in this Policy to the first Named Insured, this insurance applies: a. As if each Named Insured were the only Named Insured; and b. Separately to each insured against whom a claim is made or "suit" is brought. 5. Representations a. When You Accept This Policy By accepting this Policy, you agree: (1) The statements in the Declarations are accurate and complete; (2) Those statements are based upon representations you made to us; and (3) We have issued this Policy in reliance upon your representations. b. Unintentional Failure To Disclose Hazards If unintentionally you should fail to disclose all hazards relating to the conduct of your business at the inception date of this Coverage Part, we shall not deny any coverage under this Coverage Part because of such failure. 6. Other Insurance If other valid and collectible insurance is available for a loss we cover under this Coverage Part, our obligations are limited as follows: a. Primary Insurance This insurance is primary except when b. below applies. If other insurance is also primary, we will share with all that other insurance by the method described in c. below. b. Excess Insurance This insurance is excess over any of the other insurance, whether primary, excess, contingent or on any other basis: (1) Your Work That is Fire, Extended Coverage, Builder's Risk, Installation Risk, Owner Controlled Insurance Program or OCIP, Contractor Controlled Insurance Program or CCIP, Wrap Up Insurance or similar coverage for "your work"; Form SL 00 00 10 18 Page 16 of 22 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THE HARTFORD (2) Premises Rented To You That is fire, lightning or explosion insurance for premises rented to you or temporarily occupied by you with permission of the owner; (3) Tenant Liability That is insurance purchased by you to cover your liability as a tenant for "property damage" to premises rented to you or temporarily occupied by you with permission of the owner; (4) Aircraft, Auto Or Watercraft If the loss arises out of the maintenance or use of aircraft, "autos" or watercraft to the extent not subject to Exclusion g. of Section B. Exclusions. (5) Property Damage To Borrowed Equipment Or Use Of Elevators If the loss arises out of "property damage" to borrowed equipment or the use of elevators to the extent not subject to Exclusion k. of Section B. Exclusions. (6) When You Are Added As An Additional Insured To Other Insurance That is other insurance available to you covering liability for damages arising out of the premises or operations, or products and completed operations, for which you have been added as an additional insured by that insurance; or (7) When You Add Others As An Additional Insured To This Insurance That is other insurance available to an additional insured. However, the following provisions apply to other insurance available to any person or organization who is an additional insured under this Coverage Part: (a) Primary Insurance When Required By Contract This insurance is primary if you have agreed in a written contract, written agreement or permit that this insurance be primary. If other insurance is also primary, we will share with all that other insurance by the method described in c. below. (b) Primary And Non -Contributory To Other Insurance When Required By Contract If you have agreed in a written contract, written agreement or permit that this insurance is primary and non-contributory with the additional insured's own insurance, this insurance is primary and we will not seek contribution from that other insurance. Paragraphs (a) and (b) do not apply to other insurance to which the additional insured has been added as an additional insured. When this insurance is excess, we will have no duty under this Coverage Part to defend the insured against any "suit" if any other insurer has a duty to defend the insured against that "suit". If no other insurer defends, we will undertake to do so, but we will be entitled to the insured's rights against all those other insurers. When this insurance is excess over other insurance, we will pay only our share of the amount of the loss, if any, that exceeds the sum of: (1) The total amount that all such other insurance would pay for the loss in the absence of this insurance; and (2) The total of all deductible and self -insured amounts under all that other insurance. We will share the remaining loss, if any, with any other insurance that is not described in this Excess Insurance provision and was not bought specifically to apply in excess of the Limits of Insurance shown in the Declarations of this Coverage Part. c. Method Of Sharing If all the other insurance permits contribution by equal shares, we will follow this method also. Under this approach, each insurer contributes equal amounts until it has paid its applicable limit of insurance or none of the loss remains, whichever comes first. Form SL 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) Page 17 of 22 THE HARTFORD If any of the other insurance does not permit contribution by equal shares, we will contribute by limits. Under this method, each insurer's share is based on the ratio of its applicable limit of insurance to the total applicable limits of insurance of all insurers. 7. Transfer Of Rights Of Recovery Against Others To Us a. Transfer Of Rights Of Recovery If the insured has rights to recover all or part of any payment, including Supplementary Payments, we have made under this Coverage Part, those rights are transferred to us. The insured must do nothing after loss to impair them. At our request, the insured will bring "suit" or transfer those rights to us and help us enforce them. This condition does not apply to Medical Expenses Coverage. b. Waiver Of Rights Of Recovery (Waiver Of Subrogation) If the insured has waived any rights of recovery against any person or organization for all or part of any payment, including Supplementary Payments, we have made under this Coverage Part. we also waive that right, provided the insured waived their rights of recovery against such person or organization in a contract, agreement or permit that was executed prior to the injury or damage. F. LIABILITY AND MEDICAL EXPENSES DEFINITIONS 1. "Advertisement" means a notice that is broadcast or published to the general public or specific market segments about your goods, products or services for the purpose of attracting customers or supporters. For the purpose of this definition: a. Notices that are published include material placed on the Internet or on similar electronic means of communication; and b. Regarding web sites, only that part of a web site that is about your goods, products or services for the purpose of attracting customers or supporters is considered an advertisement. 2. "Advertising idea" means any idea for an "advertisement". 3. "Asbestos hazard" means an exposure or threat of exposure to the actual or alleged properties of asbestos and includes the mere presence of asbestos in any form. 4. "Auto" means: a. A land motor vehicle, trailer or semi -trailer designed for travel on public roads, including any attached machinery or equipment; or b. Any other land vehicle that is subject to a compulsory or financial responsibility law or other motor vehicle insurance or motor vehicle registration law where it is licensed or principally garaged. However, "auto" does not include "mobile equipment". 5. "Bodily injury" means physical: a. Injury; b. Sickness; or c. Disease sustained by a person and, if arising out of the above, mental anguish or death at any time. 6. "Coverage territory" means: a. The United States of America (including its territories and possessions), Puerto Rico and Canada; b. International waters or airspace, but only if the injury or damage occurs in the course of travel or transportation between any places included in a. above; c. All other parts of the world if the injury or damage arises out of: (1) Goods or products made or sold by you in the territory described in a. above; (2) The activities of a person whose home is in the territory described in a. above, but is away for a short time on your business; or Form SL 00 00 10 18 Page 18 of 22 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THE HARTFORD (3) "Personal and advertising injury" offenses that take place through the Internet or similar electronic means of communication. provided the insured's responsibility to pay damages is determined in the United States of America (including its territories and possessions), Puerto Rico or Canada, in a "suit" on the merits according to the substantive law in such territory, or in a settlement we agree to. 7. "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, referred to in the foregoing description of "electronic data", 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. 8. "Employee" includes a "leased worker". "Employee" does not include a "temporary worker". 9. "Executive officer" means a person holding any of the officer positions created by your charter, constitution, by- laws or any other similar governing document. 10. "Hostile fire" means one which becomes uncontrollable or breaks out from where it was intended to be. 11. "Impaired property" means tangible property, other than "your product" or "your work", that cannot be used or is less useful because: a. It incorporates "your product" or "your work" that is known or thought to be defective, deficient, inadequate or dangerous; or b. You have failed to fulfill the terms of a contract or agreement; if such property can be restored to use by: a. The repair, replacement, adjustment or removal of "your product" or "your work"; or b. Your fulfilling the terms of the contract or agreement. 12. "Insured contract" means: A contract for a lease of premises. However, that portion of the contract for a lease of premises that indemnifies any person or organization for damage by fire, lightning or explosion to premises while rented to you or temporarily occupied by you with permission of the owner is subject to the Damage To Premises Rented To You limit described in Section D. Liability And Medical Expenses Limits Of Insurance. b. A sidetrack agreement; c. Any easement or license agreement, including an easement or license agreement in connection with construction or demolition operations on or within 50 feet of a railroad; d. Any obligation, as required by ordinance, to indemnify a municipality, except in connection with work for a municipality; e. An elevator maintenance agreement; or f. That part of any other contract or agreement pertaining to your business (including an indemnification of a municipality in connection with work performed for a municipality) under which you assume the tort liability of another party to pay for "bodily injury" or "property damage" to a third person or organization. Tort liability means a liability that would be imposed by law in the absence of any contract or agreement. Paragraph f. includes that part of any contract or agreement that indemnifies a railroad for "bodily injury" or "property damage" arising out of construction or demolition operations within 50 feet of any railroad property and affecting any railroad bridge or trestle, tracks, road -beds, tunnel, underpass or crossing. However, Paragraph f. does not include that part of any contract or agreement (1) That indemnifies an architect, engineer or surveyor for injury or damage arising out of: (a) Preparing, approving or failing to prepare or approve maps, shop drawings, opinions, reports, surveys, field orders, change orders, designs or drawings and specifications; or (b) Giving directions or instructions, or failing to give them, if that is the primary cause of the injury or damage; or Form SL 00 00 10 18 Page 19 of 22 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THE HARTFORD (2) Under which the insured, if an architect, engineer or surveyor, assumes liability for an injury or damage arising out of the insured's rendering or failure to render professional services, including those listed in (1) above and supervisory, inspection, architectural or engineering activities. 13. "Leased worker" means a person leased to you by a labor leasing firm under an agreement between you and the labor leasing firm, to perform duties related to the conduct of your business. "Leased worker" does not include a "temporary worker". 14. "Loading or unloading" means the handling of property: a. After it is moved from the place where it is accepted for movement into or onto an aircraft, watercraft or "auto"; b. While it is in or on an aircraft, watercraft or "auto"; or c. While it is being moved from an aircraft, watercraft or "auto" to the place where it is finally delivered; but "loading or unloading" does not include the movement of property by means of a mechanical device, other than a hand truck, that is not attached to the aircraft, watercraft or "auto". 15. "Mobile equipment" means any of the following types of land vehicles, including any attached machinery or equipment Bulldozers, farm machinery, forklifts and other vehicles designed for use principally off public roads; b. Vehicles maintained for use solely on or next to premises you own or rent; c. Vehicles that travel on crawler treads; d. Vehicles, whether self-propelled or not, on which are permanently mounted: (1) Power cranes, shovels, loaders, diggers or drills; or (2) Road construction or resurfacing equipment such as graders, scrapers or rollers; Vehicles not described in a., b., c., or d. above that are not self-propelled and are maintained primarily to provide mobility to permanently attached equipment of the following types: (1) Air compressors, pumps and generators, including spraying, welding, building cleaning, geophysical exploration, lighting and well servicing equipment; or (2) Cherry pickers and similar devices used to raise or lower workers; f. Vehicles not described in a., b., c., or d. above maintained primarily for purposes other than the transportation of persons or cargo. However, self-propelled vehicles with the following types of permanently attached equipment are not "mobile equipment" but will be considered "autos": (1) Equipment, of at least 1,000 pounds gross vehicle weight, designed primarily for: (a) Snow removal; (b) Road maintenance, but not construction or resurfacing; or (c) Street cleaning; (2) Cherry pickers and similar devices mounted on automobile or truck chassis and used to raise or lower workers; and (3) Air compressors, pumps and generators, including spraying, welding, building cleaning, geophysical exploration, lighting and well servicing equipment. However, "mobile equipment" does not include any land vehicle that is subject to a compulsory or financial responsibility law or other motor vehicle insurance or motor vehicle registration law where they are licensed or principally garaged. Land vehicles subject to a compulsory or financial responsibility law or other motor vehicle insurance law or motor vehicle registration law are considered "autos". 16. "Occurrence" means an accident, including continuous or repeated exposure to substantially the same general harmful conditions. 17. "Personal and advertising injury" means injury, including consequential "bodily injury", arising out of one or more of the following offenses: Form SL 00 00 10 18 Page 20 of 22 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THE HARTFORD a. False arrest, detention or imprisonment; b. Malicious prosecution; c. The wrongful eviction from, wrongful entry into, or invasion of the right of private occupancy of a room, dwelling or premises that a person or organization occupies, committed by or on behalf of its owner, landlord or lessor; d. Oral, written, electronic, or any other manner of publication of material that slanders or libels a person or organization or disparages a person's or organization's goods, products or services; e. 'Oral, written, electronic, or any other manner of publication of material that violates a person's right of privacy; f. Copying, in your "advertisement", a person's or organization's "advertising idea" or style of "advertisement"; or g. Infringement of copyright, slogan, or title of any literary or artistic work, in your "advertisement". 18. "Pollutants" means any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste. Waste includes materials to be recycled, reconditioned or reclaimed. 19. "Products -completed operations hazard"; a. Includes all "bodily injury" and "property damage" occurring away from premises you own or rent and arising out of "your product" or "your work" except: (1) Products that are still in your physical possession; or (2) Work that has not yet been completed or abandoned. However, "your work" will be deemed to be completed at the earliest of the following times: (a) When all of the work called for in your contract has been completed. (b) When all of the work to be done at the job site has been completed if your contract calls for work at more than one job site. (c) When that part of the work done at a job site has been put to its intended use by any person or organization other than another contractor or subcontractor working on the same project. Work that may need service, maintenance, correction, repair or replacement, but which is otherwise complete, will be treated as completed. The "bodily injury" or "property damage" must occur away from premises you own or rent, unless your business includes the selling, handling or distribution of "your product" for consumption on premises you own or rent. b. Does not include "bodily injury" or "property damage" arising out of: (1) The transportation of property, unless the injury or damage arises out of a condition in or on a vehicle not owned or operated by you, and that condition was created by the "loading or unloading" of that vehicle by any insured; or (2) The existence of tools, uninstalled equipment or abandoned or unused materials. 20. "Property damage" means: a. Physical injury to tangible property, including all resulting loss of use of that property. All such loss of use shall be deemed to occur at the time of the physical injury that caused it; or b. Loss of use of tangible property that is not physically injured. All such loss of use shall be deemed to occur at the time of "occurrence" that caused it. As used in this definition, "electronic data" is not tangible property. 21. "Suit" means a civil proceeding in which damages because of "bodily injury", "property damage" or "personal and advertising injury" to which this insurance applies are alleged. "Suit" includes: a. An arbitration proceeding in which such damages are claimed and to which the insured must submit or does submit with our consent; or b. Any other alternative dispute resolution proceeding in which such damages are claimed and to which the insured submits with our consent. Form SL 00 00 10 18 Page 21 of 22 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THE" HARTFORD 22. "Temporary worker" means a person who is furnished to you to substitute for a permanent "employee" on leave or to meet seasonal or short-term workload conditions. 23. "Unmanned aircraft" means an aircraft that is not: a. Designed; b. Manufactured; or c. Modified after manufacture; to be controlled directly by a person from within or on the aircraft. 24. "Volunteer worker" means a person who: a. Is not your "employee"; b. Donates his or her work; c. Acts at the direction of and within the scope of duties determined by you; and d. Is not paid a fee, salary or other compensation by you or anyone else for their work performed for you. 25. "Your product": a. Means: (1) Any goods or products, other than real property, manufactured, sold, handled, distributed or disposed of by: (a) You; (b) Others trading under your name; or (c) A person or organization whose business or assets you have acquired; and (2) Containers (other than vehicles), materials, parts or equipment furnished in connection with such goods or products. b. Includes: (1) Warranties or representations made at any time with respect to the fitness, quality, durability, performance or use of "your product"; and (2) The providing of or failure to provide warnings or instructions. c. Does not include vending machines or other property rented to or located for the use of others but not sold. 26. "Your work": a. Means: (1) Work or operations performed by you or on your behalf; and (2) Materials, parts or equipment furnished in connection with such work or operations. b. Includes: (1) Warranties or representations made at any time with respect to the fitness, quality, durability, performance or use of "your work"; and (2) The providing of or failure to provide warnings or instructions. Form SL 00 0010 18 Page 22 of 22 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD COLORADO CHANGES - BUSINESS LIABILITY COVERAGE FORM This endorsement modifies insurance provided under the following: BUSINESS LIABILITY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. As used in this Coverage Part, the term spouse means spouse or party to a civil union recognized under Colorado law. Form SL 01 0510 18 Page 1 of 1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD EXCLUSION - NUCLEAR ENERGY LIABILITY Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. This insurance does not apply: 1. To any injury or damage: a. With respect to which an insured under the Policy is also an insured under a nuclear energy liability policy issued by Nuclear Energy Liability Insurance Association, Mutual Atomic Energy Liability Underwriters or Nuclear Insurance Association of Canada, or any of their successors, or would be an insured under any such policy but for its termination upon exhaustion of its limit of liability; or b. Resulting from the "hazardous properties" of "nuclear material" and with respect to which: (1) Any person or organization is required to maintain financial protection pursuant to the Atomic Energy Act of 1954, or any law amendatory thereof; or (2) The insured is, or had this policy not been issued would be, entitled to indemnity from the United States of America, or any agency thereof, under any agreement entered into by the United States of America, or any agency thereof, with any person or organization. 3. Under any Medical Payments or Medical Expenses Coverage, to expenses incurred with respect to "bodily injury" resulting from the "hazardous properties" of "nuclear material" and arising out of the operation of a "nuclear facility" by any person or organization. 4. To any injury or damage resulting from the "hazardous properties" of "nuclear material"; if: a. The "nuclear material": (1) Is at any "nuclear facility" owned by, or operated by or on behalf of, an insured; or (2) Has been discharged or dispersed therefrom; b. The "nuclear material" is contained in "spent fuel" or "waste" at any time was possessed, handled, used, processed, stored, transported or disposed of by or on behalf of an insured; or c. The injury or damage arises out of the furnishing by any insured of any "technology services" in connection with the planning, construction, maintenance, operation or use of any "nuclear facility"; or d. The injury or damage arises out of the furnishing by an insured of services, materials, parts or equipment in connection with the planning, construction, maintenance, operation or use of any "nuclear facility"; but if such facility is located within the United States of America, its territories or possessions or Canada, this exclusion (d) applies only to "property damage" to such "nuclear facility" and any property thereat. B. As used in this exclusion, the following definitions apply: 1. "Byproduct material", "source material" and "special nuclear material" have the meanings given to them in the Atomic Energy Act of 1954 or in any law amendatory thereof. 2. "Computer system and network" means: a. Leased or owned computer hardware including mobile, networked, and data storage computing equipment; b. Owned or licensed software; c. Owned websites; d. Leased or owned wireless input and output devices; and e. Electronic backup facilities and data storage repositories employed in conjunction with 2.a. through 2.d. above. 3. "Hazardous properties" include radioactive, toxic or explosive properties. 4. "Nuclear facility" means: a. Any "nuclear reactor"; b. Any equipment or device designed or used for: Form SL 20 0610 18 Page 1 of 2 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (1) Separating the isotopes of uranium or plutonium; (2) Processing or utilizing "spent fuel"; or (3) Handling, processing or packaging "waste", c. Any equipment or device used for the processing, fabricating or alloying of "special nuclear material" if at any time the total amount of such material in the custody of the insured at the premises where such equipment or device is located consists of or contains more than 25 grams of plutonium or uranium 233 or any combination thereof, or more than 250 grams of uranium 235; d. Any structure, basin, excavation, premises or place prepared or used for the storage or disposal of "waste" and includes the site on which any of the foregoing is located, all operations conducted on such site and all premises used for such operations. 5. "Nuclear material" means "byproduct material", "source material" or "special nuclear material". 6. "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. 7. "Property damage" and injury or damage include all forms of radioactive contamination of property. 8. "Spent fuel" means any fuel element or fuel component, solid or liquid, which has been used or exposed to radiation in a "nuclear reactor". 9. "Technology services" means: The following services performed for others: (1) Consulting, analysis, design, installation, training, maintenance, support and repair of or on: software, wireless applications, firmware, shareware, networks, systems, hardware, devices or components; (2) Integration of systems; (3) Processing of, management of, mining or warehousing of data; (4) Administration, management, operation or hosting of: another party's systems, technology or computer facilities; (5) Website development; website hosting; (6) Internet access services; intranet, extranet or electronic information connectivity services; software application connectivity services; (7) Manufacture, sale, licensing, distribution, or marketing of: software, wireless applications, firmware, shareware, networks, systems, hardware, devices or components; (8) Design and development of: code, software or programming; (9) Providing software application: services, rental or leasing; (10)Screening, selection, recruitment or placement of candidates for temporary or permanent employment by others as information technology professionals; (11)"Telecommunication services"; and (12)"Telecommunication products". b. Web -related software and connectivity services performed for others; and c. Activities on the named insured's "computer system and network". 10. "Waste" means any waste material: a. Containing "by-product material" other than the tailings or wastes produced by the extraction or concentration of uranium or thorium from any ore processed primarily for its "source material" content; and b. Resulting from the operation by any person or organization of any "nuclear facility" included under the first two paragraphs of the definition of "nuclear facility". Form SL 20 06 10 18 Page 2 of 2 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD EXCLUSION - SILICA - BUSINESS LIABILITY COVERAGE FORM This endorsement modifies insurance provided under the following: BUSINESS LIABILITY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following exclusion is added to Section B. EXCLUSIONS: This insurance does not apply to: Silica Any injury, damage, loss, cost or expense, including but not limited to "bodily injury", "property damage" or "personal and advertising injury" arising out of, or relating to, in whole or in part, the "silica hazard". B. The following definition is added to Section F. LIABILITY AND MEDICAL EXPENSES DEFINITIONS: "Silica hazard" means an exposure to, inhalation of or contact with, or threat of exposure to, inhalation of or contact with, the actual or alleged properties of silica or any silica containing materials and includes the mere presence of silica or any silica containing materials in any form. Silica includes all forms of the compound silicon dioxide, including, but not limited to, quartz. Form SL 20 78 10 18 Page 1 of 1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - PERFLUOROALKYL AND POLYFLUOROALKYL SUBSTANCES (PFAS) This endorsement modifies insurance provided under the following: BUSINESS LIABILITY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following exclusion is added to Section B. EXCLUSIONS: This insurance does not apply to: 1. Any damages, judgments, settlements, loss, costs or expenses, or any other form of relief, remedy or recovery that may be awarded or incurred by reason of any claim or "suit" alleging actual or threatened injury or damage of any nature or kind, including, but not limited to, "bodily injury", "property damage" or "personal and advertising injury", which arises out of, or relates in any way to "PFAS ", including but not limited to: a. manufacturing, handling, sale, distribution, marketing, installation, repair, removal, abatement, replacement, or handling of "PFAS" or products containing "PFAS"; or b. an actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of "PFAS" whether intentional or unintentional; or C. consumption, absorption, ingestion, presence, inhalation or use of, contact with or exposure to, "PFAS", whether by direct or passive exposure. 2. Any loss, cost or expense arising out of any: a. Request, demand, order, or other requirement (whether statutory or regulatory) that any insured or others test for, investigate for, monitor, clean up, abate, remove, remediate, contain, treat, detoxify or neutralize, dispose of, or in any way respond to, or assess the effects of "PFAS"; or b. Claim or suit by or on behalf of a governmental authority for damages because of testing for, investigating for, monitoring, cleaning up, abating, removing, remediating, containing, treating, detoxifying or neutralizing, disposing of or in any way responding to or assessing the effects of "PFAS". B. The following definition is added to Section F. LIABILITY AND MEDICAL EXPENSES DEFINITIONS: "PFAS" means: 1. Any substance, material, or compound that is or contains per -and polyfluoroalkyl substances, including but not limited to perfluorobutanoic acid (PFBA), perfluorohexanoic acid (PFHxA), perfluorohepanoic acid (PFHpA), perfluorooctanoic acid (PFOA), perfluorononanoic acid (PFNA), perfluorodecanoic acid (PFDA), perfluoroundecanoic acid (PFUnA), perfluorododecanoic acid (PFDoDA), perfluorobutane sulfonic acid (PFBS), perfluorohexane sulfonic acid (PFHxS), perfluorooctane sulfonic acid (PFOS), and perfluorooctane sulfonamide (FOSA). 2. Any substance, material, or compound that is identified or acknowledged by any federal, state, international or other governmental agency or authority, including but not limited to the United States Environmental Protection Agency (EPA), the Centers for Disease Control and Prevention (CDC), the Agency for Toxic Substances and Disease Registry (ATSDR), the National Institutes for Health (NIH), and the International Agency for Research on Cancer (IARC): a. As or to contain a per -and polyfluoroalkyl substance; or b. To exhibit or demonstrate the same or similar harmful properties as a per -and polyfluoroalkyl substance. 3. Any constituents, additives, degradation, break down, or by-products to or of any substance, material or compound set forth in subparagraphs a. and b. above, including but not limited to homologues, isomers, salts, esters, alcohols, acids, and precursor chemicals, compounds and derivatives. Form SL 21 15 09 22 Page 1 of 1 © 2022, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD HIRED AUTO AND NON -OWNED AUTO LIABILITY This endorsement modifies insurance provided under the following: BUSINESS LIABILITY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. Amended Coverage: The following is added to Section A. COVERAGES: Coverage is extended to "bodily injury" and "property damage" arising out of the use of a "hired auto" or "non -owned auto" B. The following changes are made to Section B. EXCLUSIONS: 1. Exclusion g. Aircraft, Auto Or Watercraft does not apply to a "hired auto" or a "non -owned auto". 2. Exclusion e. Employer's Liability does not apply to "bodily injury" to domestic "employees" not entitled to workers' compensation benefits or to liability assumed by the insured under an "insured contract". 3. Exclusion f. Pollution is deleted and replaced by the following: (1) "Bodily injury" or "property damage" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of "pollutants": (a) That are, or that are contained in any property that is: (i) Being transported or towed by, handled, or handled for movement into, onto or from, the covered "auto"; (ii) Otherwise in the course of transit by or on behalf of the "insured"; or (iii) Being stored, disposed of, treated or processed in or upon the covered "auto". (b) Before the "pollutants" or any property in which the "pollutants" are contained are moved from the place where they are accepted by the insured for movement into or onto the covered "auto"; or (c) After the "pollutants" or any property in which the "pollutants" are contained are moved from the covered "auto" to the place where they are finally delivered, disposed of or abandoned by the insured. Paragraph (a) above does not apply to fuels, lubricants, fluids, exhaust gases or other similar "pollutants" that are needed for or result from the normal electrical, hydraulic or mechanical functioning of the covered "auto" or its parts, if: (i) The "pollutants" escape, seep, migrate, or are discharged or released directly from an "auto" part designed by its manufacturer to hold, store, receive, or dispose of such "pollutants"; and (ii) The "bodily injury" and "property damage" does not arise out of the operation of any equipment listed in Paragraphs 15.f.(2) and 15.f.(3) of the definition of "mobile equipment". Paragraphs (b) and (c) above do not apply to accidents that occur away from premises owned by or rented to an "insured" with respect to "pollutants" not in or upon a covered "auto" if: (i) The "pollutants" or any property in which the "pollutants" are contained are upset, overturned or damaged as a result of the maintenance or use of a covered "auto"; and (ii) The discharge, dispersal, seepage, migration, release or escape of the "pollutants" is caused directly by such upset, overturn or damage as a result of the maintenance or use of a covered "auto". 4. The following exclusion is added: Fellow employee Coverage does not apply to "bodily injury" to any fellow "employee" of the insured arising out of the operation of an "auto" owned by the insured in the course of the fellow "employee's" employment. Form SL 30 26 10 18 Page 1 of 3 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD 5. The following exclusion is added: Care, Custody Or Control Coverage does not apply to "property damage" involving property owned or transported by the insured or in the insured's care, custody or control. C. With respect to "hired auto" and "non -owned auto" coverage, Section C. WHO IS AN INSURED is deleted and replaced by the following: 1. The following are insureds: a. You. b. Your "employee" while using with your permission: (1) An "auto" you hire or borrow; or (2) An "auto" you don't own, hire or borrow in your business or personal affairs; or (3) An "auto" hired or rented by your "employee" on your behalf and at your direction. c. Anyone else while using a "hired auto" or "non -owned auto" with your permission except: (1) The owner or anyone else from whom you hire or borrow an "auto". (2) Someone using an auto while he or she is working in a business of selling, servicing, repairing, parking or storing "autos" unless that business is yours. (3) Anyone other than your "employees", partners (if you are a partnership), members (if you are a limited liability company), or a lessee or borrower or any of their "employees", while moving property to or from an "auto". (4) A partner (if you are a partnership), or a member (if you are a limited liability company) for an "auto" owned by him or her or a member of his or her household. d. Anyone liable for the conduct of an insured described above but only to the extent of that liability. D. With respect to the operation of a "hired auto" or "non -owned auto" covered by this endorsement, the following changes are made to Section E. LIABILITY AND MEDICAL EXPENSES CONDITIONS: 1. The following condition is added: Other Insurance a. Except for any liability assumed under an "insured contract" the insurance provided by this endorsement is excess over any other collectible insurance. However, if your business is the selling, servicing, repairing, parking or storage of "autos", the insurance provided by this endorsement is primary when covered "bodily injury" or "property damage" arises out of the operation of a customer's "auto" by you or your "employee". b. When this endorsement and any other endorsement, coverage part, or policy covers on the same basis, either excess or primary, we will pay only our share. Our share is the proportion that the Limit of Insurance of our endorsement bears to the total of the limits of all the endorsements, coverage parts, and policies covering on the same basis. 2. The following condition is added: Two Or More Coverage Parts, Endorsements, Or Policies Issued By Us If this endorsement and any other endorsement, coverage part or policy issued to you by us or any company affiliated with us apply to the same accident, the aggregate maximum Limit of Insurance under all the endorsements, coverage parts, or policies shall not exceed the highest applicable Limit of Insurance under any one endorsement, coverage part, or policy. This condition does not apply to any endorsement, coverage part, or policy issued by us or an affiliated company specifically to apply as excess insurance over this endorsement. Form SL 30 26 10 18 Page 2 of 3 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD 3. The following condition is added: Financial Responsibility Laws a. With respect to a "hired auto" or "non -owned auto" to which this insurance applies, when this endorsement is certified as proof of financial responsibility for the future under the provisions of any motor vehicle financial responsibility law, the insurance provided by this endorsement for "bodily injury" liability and "property damage" liability will comply with the provisions of the law to the extent of the coverage and limits of insurance required by that law. b. With respect to a "hired auto" or "non -owned auto" to which this insurance applies, we will provide any liability, uninsured motorists, underinsured motorists, no-fault or other coverage required by any motor vehicle law. We will provide the required limits for those coverages. E. The following changes are made to Section F. LIABILITY AND MEDICAL EXPENSES DEFINITIONS: 1. The following definition is added: "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", your partners (if you are a partnership), members (if you are a limited liability company)„ or your "executive officers" or members of their households. This does not include a long-term leased "auto" that you insure as an owned "auto" under any other auto liability insurance policy or a temporary substitute for an "auto" you own that is out of service because of its breakdown, repair, servicing or destruction. 2. The following definition is added: "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: a. "Autos" owned by your "employees" your partners (if you are a partnership), members (if you are a limited liability company), or your "executive officers", or members of their households, but only while used in your business or your personal affairs. b. Customer's "auto" that is in your care, custody or control for service. Form SL 30 2610 18 Page 3 of 3 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD BLANKET ADDITIONAL INSURED BY CONTRACT This endorsement modifies insurance provided under the following: BUSINESS LIABILITY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Section C. WHO IS AN INSURED: Additional Insureds When Required By Written Contract, Written Agreement Or Permit The person(s) or organization(s) identified in Paragraphs a. through f. below are additional insureds when you have agreed, in a written contract or written agreement, or when required by a written permit issued by a state or governmental agency or subdivision or political subdivision that such person or organization be added as an additional insured on your Coverage Part, provided the injury or damage occurs subsequent to the execution of the contract or agreement, or the issuance of the permit. A person or organization is an additional insured under this provision only for that period of time required by the contract, agreement or permit. However, no such person or organization is an additional insured under this provision if such person or organization is included as an additional insured by any other endorsement issued by us and made a part of this Coverage Part. The insurance afforded to such additional insured will not be broader than that which you are required by the contract, agreement, or permit to provide for such additional insured. The insurance afforded to such additional insured only applies to the extent permitted by law. The limits of insurance that apply to additional insureds are described in Section D. LIABILITY AND MEDICAL EXPENSES LIMITS OF INSURANCE. How this insurance applies when other insurance is available to an additional insured is described in the Other Insurance Condition in Section E. LIABILITY AND MEDICAL EXPENSES GENERAL CONDITIONS. a. Vendors Any person(s) or organization(s) (referred to below as vendor), but only with respect to "bodily injury" or "property damage" arising out of "your products" which are distributed or sold in the regular course of the vendor's business and only if this Coverage Part provides coverage for "bodily injury" or "property damage" included within the "products -completed operations hazard". (1) The insurance afforded to the vendor is subject to the following additional exclusions: This insurance does not apply to: (a) "Bodily injury" or "property damage" for which the vendor is obligated to pay damages by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability for damages that the vendor would have in the absence of the contract or agreement; (b) Any express warranty unauthorized by you; (c) Any physical or chemical change in the product made intentionally by the vendor; (d) Repackaging, except when unpacked solely for the purpose of inspection, demonstration, testing, or the substitution of parts under instructions from the manufacturer, and then repackaged in the original container; (e) Any failure to make such inspections, adjustments, tests or servicing as the vendor has agreed to make or normally undertakes to make in the usual course of business, in connection with the distribution or sale of the products; (f) Demonstration, installation, servicing or repair operations, except such operations performed at the vendor's premises in connection with the sale of the product; Form SL 30 32 06 21 Page 1 of 3 © 2021, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (g) Products which, after distribution or sale by you, have been labeled or relabeled or used as a container, part or ingredient of any other thing or substance by or for the vendor; or (h) "Bodily injury" or "property damage" arising out of the sole negligence of the vendor for its own acts or omissions or those of its employees or anyone else acting on its behalf. However, this exclusion does not apply to: (i) The exceptions contained in Paragraphs (d) or (f); or (ii) Such inspections, adjustments, tests or servicing as the vendor has agreed to make or normally undertakes to make in the usual course of business, in connection with the distribution or sale of the products. (2) This insurance does not apply to any insured person or organization from whom you have acquired such products, or any ingredient, part or container, entering into, accompanying or containing such products. b. Lessors Of Equipment (1) Any person or organization from whom you lease equipment; but only with respect to their liability for "bodily injury", "property damage" or "personal and advertising injury" caused, in whole or in part, by your maintenance, operation or use of equipment leased to you by such person or organization. (2) With respect to the insurance afforded to these additional insureds, this insurance does not apply to any "occurrence" which takes place after you cease to lease that equipment. Lessors Of Land Or Premises (1) Any person or organization from whom you lease land or premises, but only with respect to liability arising out of the ownership, maintenance or use of that part of the land or premises leased to you. (2) With respect to the insurance afforded to these additional insureds, this insurance does not apply to: (a) Any "occurrence" which takes place after you cease to lease that land or be a tenant in that premises; or (b) Structural alterations, new construction or demolition operations performed by or on behalf of such person or organization. d. Architects, Engineers Or Surveyors (1) Any architect, engineer, or surveyor, but only with respect to liability for "bodily injury", "property damage" or "personal and advertising injury" caused, in whole or in part, by your acts or omissions or the acts or omissions of those acting on your behalf: (a) In connection with your premises; (b) In the performance of your ongoing operations performed by you or on your behalf; or (c) In connection with "your work" and included within the "products -completed operations hazard", but only if: (i) The written contract, written agreement or permit requires you to provide such coverage to such additional insured; and (ii) This Coverage Part provides coverage for "bodily injury" or "property damage" included within the "products -completed operations hazard". (2) With respect to the insurance afforded to these additional insureds, the following additional exclusion applies: This insurance does not apply to "bodily injury", "property damage" or "personal and advertising injury" arising out of the rendering of or the failure to render any professional services, including: (i) The preparing, approving, or failure to prepare or approve, maps, shop drawings, opinions, reports, surveys, field orders, change orders, designs or drawings and specifications; or (ii) Supervisory, surveying, inspection, architectural or engineering activities. This exclusion applies even if the claims allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by an insured, if the "bodily injury", "property Form SL 30 32 06 21 Page 2 of 3 © 2021, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD damage", or "personal and advertising injury" arises out of the rendering of or the failure to render any professional service. State Or Governmental Agency Or Subdivision Or Political Subdivision Issuing Permit (1) Any state or governmental agency or subdivision or political subdivision, but only with respect to operations performed by you or on your behalf for which the state or governmental agency or subdivision or political subdivision has issued a permit. (2) With respect to the insurance afforded to these additional insureds, this insurance does not apply to: (a) "Bodily injury", "property damage" or "personal and advertising injury" arising out of operations performed for the federal government, state or municipality; or (b) "Bodily injury" or "property damage" included within the "products -completed operations hazard". f. Any Other Party (1) Any other person or organization who is not in one of the categories or classes listed above in Paragraphs a. through e. above, but only with respect to liability for "bodily injury", "property damage" or "personal and advertising injury" caused, in whole or in part, by your acts or omissions or the acts or omissions of those acting on your behalf: (a) In the performance of your ongoing operations performed by you or on your behalf; (b) In connection with your premises owned by or rented to you; or (c) In connection with "your work" and included within the "products -completed operations hazard", but only if: (i) The written contract, written agreement or permit requires you to provide such coverage to such additional insured; and (ii) This Coverage Part provides coverage for "bodily injury" or "property damage" included within the "products -completed operations hazard". (2) With respect to the insurance afforded to these additional insureds, the following additional exclusion applies: This insurance does not apply to "bodily injury", "property damage" or "personal and advertising injury" arising out of the rendering of, or the failure to render, any professional architectural, engineering or surveying services, including: (a) The preparing, approving, or failure to prepare or approve, maps, shop drawings, opinions, reports, surveys, field orders, change orders, designs or drawings and specifications; or (b) Supervisory, surveying, inspection, architectural or engineering activities. This exclusion applies even if the claims allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by an insured, if the "bodily injury", "property damage", or "personal and advertising injury" arises out of the rendering of or the failure to render any professional service described in Paragraphs f.(2)(a) or f.(2)(b) above. Form SL 30 32 06 21 Page 3 of 3 © 2021, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD ADDITIONAL INSURED - STATE OR GOVERNMENTAL AGENCY OR SUBDIVISION OR POLITICAL SUBDIVISION - PERMITS OR AUTHORIZATIONS This endorsement modifies insurance provided under the following: BUSINESS LIABILITY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Section C. WHO IS AN INSURED: Additional Insured — State Or Governmental Agency Or Subdivision Or Political Subdivision - Permits Or Authorizations a. Any state or governmental agency or subdivision or political subdivision shown in the Declarations as an Additional Insured — State Or Governmental Agency Or Subdivision Or Political Subdivision — Permits Or Authorizations is also an additional insured, but only with respect to operations performed by you or on your behalf for which the state or governmental agency or subdivision or political subdivision has issued a permit or authorization. b. If coverage provided to these additional insureds is required by a written contract or written agreement, or when required by a written permit or authorization issued by a state or governmental agency or subdivision or political subdivision, the insurance afforded to these additional insureds will not be broader than that which you are required by the contract, agreement, permit, or authorization to provide for these additional insureds. c. The insurance afforded to these additional insureds only applies to the extent permitted by law. B. With respect to the insurance afforded to such additional insured(s) by this endorsement, the following additional exclusion is added to Section B. EXCLUSIONS: This insurance does not apply to: a. "Bodily injury", "property damage" or "personal and advertising injury" arising out of operations performed for the state or governmental agency or subdivision or political subdivision; or b. "Bodily injury" or "property damage" included in the "product -completed operations" hazard. Form SL 30 40 10 18 Page 1 of 1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD ADDITIONAL INSURED - MANAGERS OR LESSORS OF PREMISES This endorsement modifies insurance provided under the following: BUSINESS LIABILITY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Section C. WHO IS AN INSURED: Additional Insured — Manager Or Lessors Of Premises a. The person(s) or organization(s) shown on the Declarations as an Additional Insured — Managers Or Lessors Of Premises is also an additional insured, but only with respect to liability arising out of the ownership, maintenance or use of that part of the premises leased to you and shown in the Declarations. b. If coverage provided to these additional insureds is required by a written contract or written agreement, or when required by a written permit issued by a state or governmental agency or subdivision or political subdivision, the insurance afforded to these additional insureds will not be broader than that which you are required by the contract, agreement, or permit to provide for these additional insureds. c. The insurance afforded to these additional insureds only applies to the extent permitted by law. B. With respect to the insurance afforded to such additional insureds by this endorsement, the following exclusion is added to Section B. EXCLUSIONS: This insurance does not apply to: (1) Any "occurrence" that takes place after you cease to be a tenant in that premises described in the Declarations; or (2) Structural alterations, new construction or demolition operations performed by or on behalf of such person or organization. Form SL 30 43 10 18 Page 1 of 1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD ADDITIONAL INSURED - OWNERS, LESSEES OR CONTRACTORS - SCHEDULED PERSON OR ORGANIZATION This endorsement modifies insurance provided under the following: BUSINESS LIABILITY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Section C. WHO IS AN INSURED: Additional Insured — Owners, Lessees Or Contractors — Scheduled Person Or Organization The person(s) or organization(s) shown in the Declarations as an Additional Insured — Owner, Lessees Or Contractors is also an additional insured, but only with respect to liability for "bodily injury", "property damage" or "personal and advertising injury" caused, in whole or in part, by your acts or omissions or the acts or omissions of those acting on your behalf: (1) In the performance of your ongoing operations for the additional insured(s); or (2) In connection with "your work" performed for that additional insured and included within the "products - completed operations hazard", but only if this Coverage Part provides coverage for "bodily injury" or "property damage" included within the "products -completed operations hazard". b. With respect to the insurance afforded to these additional insureds, this insurance does not apply to "bodily injury", "property damage" or "personal and advertising injury" arising out of the rendering of, or the failure to render, any professional architectural, engineering or surveying services, including: (1) The preparing, approving, editing of or failure to prepare or approve, shop drawings, maps, opinions, reports, surveys, change orders, field orders, designs, drawings, specifications, warnings, recommendations, permit applications, payment requests, manuals or instructions; (2) Supervisory, inspection, quality control, architectural, engineering or surveying activities or services; (3) Maintenance of job site safety, construction administration, construction contracting, construction management, computer consulting or design software development or programming service, or selection of a contractor or programming service; (4) Monitoring, sampling, or testing service necessary to perform any of the services included in (1), (2) or (3) above; (5) Supervision, hiring, employment, training or monitoring of others who are performing any of the services included in (1), (2) or (3) above; If coverage provided to these additional insureds is required by a written contract or written agreement, or when required by a written permit issued by a state or governmental agency or subdivision or political subdivision, the insurance afforded to these additional insureds will not be broader than that which you are required by the contract, agreement, or permit to provide for these additional insureds. d. The insurance afforded to these additional insureds only applies to the extent permitted by law. Form SL 30 4810 18 Page 1 of 1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD COLORADO AMENDATORY ENDORSEMENT - PROFESSIONAL LIABILITY This endorsement modifies insurance provided under the following: PROFESSIONAL LIABILITY COVERAGE FORM I. SECTION II - DEFINITIONS, Paragraph 8. "Domestic partner", is deleted and replaced by the following: 8. "Domestic partner" means any natural person qualifying as a domestic partner under the provisions of any applicable federal, state or local laws, including a partner in a civil union or a party to a civil union. II. SECTION VIII - EXTENDED REPORTING PERIODS, Paragraph 1. Extended Reporting Periods - General is deleted and replaced with the following: 1. Extended Reporting Periods - General You will have the right to purchase an Extended Reporting Period if you or we cancel or non -renew this Coverage Part for any reason. However, before you can purchase the Extended Reporting Period, the full premium for this Coverage Part must be paid Where premium is due to us for coverage under this Coverage Part, any monies received by us from you as payment for the Extended Reporting Period coverage shall be first applied to such premium owing for this Coverage Part. The Extended Reporting Period coverage will not take effect until the premium owing for this Coverage Part is paid in full and unless the premium owing for the Extended Reporting Period coverage is paid promptly when due. You must exercise such right to purchase an Extended Reporting Period by providing written notice to us accompanied by the premium for the Extended Reporting Period and all other premiums due within sixty (60) days after the cancellation or non -renewal of the Coverage Part. We will then issue an endorsement for the Extended Reporting Period. This endorsement to this Coverage Part will allow reporting of "claims" first made during the Extended Reporting Period for "wrongful acts" or "personal injury" which occurred prior to the end of the "policy period", and are otherwise covered by the Coverage Part. The additional premium for the Extended Reporting Period is based on a percentage of the full annual premium for the "policy period" of this Coverage Part and shall be: a. 100% of the Coverage Part's annual premium for one year; b. 165% of the Coverage Part's annual premium for three years; c. 200% of the Coverage Part's annual premium for five years All other terms and conditions remain unchanged. Form SL 50 02 10 18 Page 1 of 2 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD COLORADO NOTICE TO POLICYHOLDER CLAIMS MADE NOTIFICATION THIS DISCLOSURE FORM IS NOT YOUR POLICY. IT DESCRIBES SOME OF THE MAJOR FEATURES OF OUR CLAIMS MADE AND REPORTED COVERAGE PART. 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 This is a claims -made and reported Coverage Part. Except as may be otherwise provided herein, the coverage of this Coverage Part is limited to liability for a "wrongful act" or "personal injury" for which "claims" are first made while the Coverage Part is in force and which are reported to us immediately, but in no event later than sixty (60) days after the termination of the Coverage Part or if applicable, during the Extended Reporting Period. Upon termination of your claims - made Coverage Part an Extended Reporting Period option is available. Please read and review the Policy carefully. The Limit of Liability available to pay "damages", including judgment or settlement amounts, shall be reduced by amounts incurred for legal defense and other "claims expenses". Further note that amounts incurred for legal defense and other "claims expenses" shall be applied against the applicable deductible amount. There is no difference in the kind of injury or damage covered by occurrence or claims -made policies. Claims for damages may be assigned to different policy periods, depending on which type of policy you have. PRINCIPAL BENEFITS The principal benefits and coverages are explained in detail in your claims -made and reported Coverage Part. Please read it carefully and consult your insurance producer about any questions you might have. EXCEPTIONS, REDUCTIONS AND LIMITATIONS Your claims -made and reported Coverage Part contains certain exceptions, reductions and limitations. Please read them carefully and consult your insurance producer about any questions you might have. RENEWALS AND EXTENDED REPORTING PERIODS Your claims -made and reported Coverage Part has some unique features relating to renewal, Extended Reporting Period, and coverage for events with long periods of exposure. If there is a retroactive date in your Coverage Part, no "wrongful act" or "personal injury" prior to that date will be covered under the Coverage Part, 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 and reported policy, the retroactive date in your claims - made and reported policy should be no later than the expiration date of the occurrence policy. 2. When replacing a claims -made and reported policy with a claims -made and reported policy, you should consider the following: a. The retroactive date in the replacement policy should extend far enough back in time to cover any events with long periods of liability exposure; or 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 an extended claims reporting period coverage under the old claims -made policy and reported policy. 3. If you replace this claims -made and reported Coverage Part 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 under the claims -made and reported Coverage Part. Extended Reporting Period coverage must be offered to you by law for at least one year after the expiration of the claims -made and reported policy at a premium not to exceed 200% of your last policy premium. CAREFULLY REVIEW YOUR POLICY REGARDING THE AVAILABLE EXTENDED REPORTING PERIOD COVERAGE, INCLUDING THE LENGTH OF COVERAGE, THE PRICE AND TIME PERIOD DURING WHICH YOU MUST PURCHASE OR ACCEPT ANY OFFER FOR EXTENDED REPORTING PERIOD COVERAGE. Form SL 50 02 10 18 Page 2 of 2 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THE' HARTFORD PROFESSIONAL LIABILITY COVERAGE FORM NOTICE: THIS IS A CLAIMS MADE AND REPORTED COVERAGE PART. PLEASE READ IT CAREFULLY. COVERAGE APPLIES ONLY TO CLAIMS FIRST MADE AGAINST THE INSURED DURING THE POLICY PERIOD OR APPLICABLE EXTENDED REPORTING PERIOD AND WHICH HAVE BEEN REPORTED TO US IN ACCORDANCE WITH THE APPLICABLE NOTICE PROVISIONS. THE LIMITS OF LIABILITY AVAILABLE TO PAY DAMAGES SHALL BE REDUCED BY AMOUNTS INCURRED AS CLAIMS EXPENSES. THE DEDUCTIBLE IS APPLICABLE TO CLAIMS EXPENSES AND DAMAGES. PLEASE READ THE ENTIRE POLICY CAREFULLY AND DISCUSS THE COVERAGE WITH YOUR INSURANCE AGENT OR BROKER. Quick Reference Beginning on Page SECTION I: INSURING AGREEMENT 1 SECTION II: DEFINITIONS 1 SECTION III: DEFENSE AND SETTLEMENT 4 SECTION IV: DISCIPLINARY PROCEEDINGS 5 SECTION V: LIMITS OF LIABILITY AND DEDUCTIBLE 5 SECTION VI: INTERRELATED CLAIMS 6 SECTION VII: COVERAGE TERRITORY 6 SECTION VIII: EXTENDED REPORTING PERIOD 6 SECTION IX: EXCLUSIONS 7 SECTION X: CONDITIONS - CLAIMS 9 SECTION XI: GENERAL CONDITIONS 11 Form SL 50 45 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) PROFESSIONAL LIABILITY COVERAGE FORM THE HARTFORD PROFESSIONAL LIABILITY COVERAGE FORM Throughout this Coverage Part the words you and your refer to the "named insured" shown in the Coverage Part Declarations. The words we, us and our refer to the stock insurance company member of THE HARTFORD shown in the Coverage Part Declarations providing this insurance. Words and phrases that appear in quotation marks are defined in SECTION II - DEFINITIONS of this Coverage Part. In consideration of, and subject to, the payment of the premium by you and in reliance upon the accuracy and completeness of the "application", including but not limited to the statements, attachments and exhibits contained in and submitted with the "application", we agree with you, subject to all terms, exclusions and conditions of this Coverage Part, as follows: SECTION I - INSURING AGREEMENT We will pay on behalf of the "insureds", subject to the Limits of Liability, such "damages" and "claims expenses" in excess of the applicable Deductible for "claims" first made against the "insureds" during the "policy period" or applicable Extended Reporting Period and reported in writing to us immediately, but in no event later than sixty (60) calendar days after the expiration date of the "policy period" or within any applicable Extended Reporting Period. The "damages" and "claims expenses" must arise out of a "wrongful act" or "personal injury" that occurs on or after the "retroactive date" as stated in the Coverage Part Declarations and before the end of the "policy period". It is a condition precedent to coverage under this Coverage Part, that no "insured" was aware as of the "effective date" of this Coverage Part of any act, error or omission that he or she knew, or could have reasonably foreseen, to be the basis of a "claim". SECTION II - DEFINITIONS The following terms, whether used in the singular or plural, shall have the meanings specified below: 1. "Application" means the application for this Coverage Part, including any materials or information submitted therewith or made available to us during the underwriting process, which application shall be on file with us. In addition, "application" includes any warranty, representation or other statement provided to us in connection with any policy or Coverage Part of which this Coverage Part is a renewal or replacement. 2. "Bodily injury" means bodily injury, sickness or disease sustained by a person, including the death of any person, resulting at any time. "Bodily injury" includes mental anguish and emotional distress. 3. "Claim" means an allegation of a "wrongful act" or "personal injury" in conjunction with: a. a written demand seeking monetary damages or other civil non -monetary relief against an "insured"; b. a civil proceeding, including an arbitration or other alternative dispute proceeding, commenced by the service of a complaint, filing of a demand for arbitration, or similar pleading against an "insured"; or c. a request received by an "insured" to toll or waive the statute of limitations or other bars against the filing or maintenance of a lawsuit or arbitration proceeding seeking "damages" against, or services from, an "insured". 4. "Claims expenses" mean all reasonable and necessary fees charged by attorneys designated or approved in writing by us and all other fees, costs and expenses resulting from the investigation, adjustment, defense and appeal of a "claim" incurred by us or by an "insured" with our prior written consent. "Claims expenses" shall not include loss of earnings, except as set forth below, salaries, fees, remuneration, overhead or any other benefit expenses associated with any "insured". "Claims expenses" shall include but are not limited to: a. costs awarded against an "insured" in "claims"; b. premium on an appeal bond in any lawsuit and premium on a bond to release an attachment in any lawsuit. We shall not be obligated to apply for or furnish any bond; c. reasonable and necessary expenses incurred with our prior written consent by an "insured" in the investigation or litigation of any "claim", including actual loss of earnings up to $500 a day for each "insured" because of time off from work, subject to a limit of $10,000 for each "insured person" and subject to a maximum limit of $25,000 per "policy period"; or Form SL 50 45 10 18 Page 1 of 13 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) PROFESSIONAL LIABILITY COVERAGE FORM THE HARTFORD d. subpoena assistance to an "insured" provided, during the "policy period", the "insured" receives a subpoena for documents or testimony as a fact witness arising from an actual or alleged negligent act, error or omission in the rendering of "professional services" which occurred on or after the "retroactive date" and before the expiration of the "policy period", and the "insured" requests our assistance in responding to the subpoena. The "insured" will provide us with a copy of the subpoena and we will retain an attorney to provide advice regarding the production of documents, to prepare the "insured" for sworn testimony and to represent the "insured" at their deposition, provided that: i. The subpoena arises out of a lawsuit to which the "insured" is not a party; and ii. The "insured" has not been engaged to provide advice or testimony in connection with the lawsuit, nor has the "insured" provided such advice or testimony in the past. Subpoena assistance coverage will be provided up to a maximum amount stated in the Coverage Part Declarations under Subpoena Assistance Claim Expense Sub -Limit, regardless of the number of subpoenas received, "claims" incurred, or number of "insureds" receiving subpoenas. Amounts paid on all subpoenas received will be aggregated for purposes of meeting the afore -mentioned sub -limit. Any notice an "insured" provides us of such subpoena shall be deemed notification of a potential "claim" under SECTION X. Paragraph 1. Notice of Circumstances of this Coverage Part. 5. "Computer system" means: a. computer hardware, software applications and tools (including licensed software), middleware, websites, and related electronic backup, but only if owned or leased, and operated, by an "insured" and connected to an "insured's" computer network; or b. the following if owned or leased, and operated by an "insured" and not connected to an "insured's" computer network: laptops, smart phones, memory devices or personal digital assistants, or any other mobile computing devices. 6. "Damages" means the monetary amounts that an "insured" becomes legally liable to pay solely as a result of a "claim" covered under this Coverage Part, including: a. compensatory damages; b. settlement amounts, provided any settlement is made with our prior written approval and we had the opportunity to meaningfully participate or assist in the negotiations; c. interest on the amount of any judgment covered by this Coverage Part that accrues after the entry of judgment and before we have paid or tendered or deposited into court that part of the judgment which does not exceed the applicable Limits of Liability shown in the Coverage Part Declarations; d. punitive and/or exemplary damages; or e. the multiple portion of any multiplied damage award. "Damages" does not include: a. restitution, reduction, or set off of any fees, other consideration, and/or expenses paid to or charged by an "insured" for "professional services"; b. matters deemed uninsurable by law; provided, however, that with respect to punitive and exemplary damages, or the multiple portion of any multiplied damage award, the insurability of such damages shall be governed by the internal laws of any applicable jurisdiction that most favors coverage of such damages. We shall not contend for any reason, unless appropriate to do so as a matter of public policy, that such damages are uninsurable; c. equitable, injunctive or other non- monetary relief; or d. taxes, fines, penalties and sanctions assessed against an "insured". 7. "Data privacy law" means any Canadian or United States federal, state, provincial, territorial and/or local statutes and regulations governing the confidentiality, control and use of "nonpublic personal information". 8. "Domestic partner" means any natural person qualifying as a domestic partner under the provisions of any applicable federal, state or local laws. Form SL 50 45 10 18 Page 2 of 13 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) PROFESSIONAL LIABILITY COVERAGE FORM THE HARTFORD 9. "Effective date" means the date identified in the Coverage Part Declarations. 10. "Insured" means any: a. "insured entity"; b. "named insured"; or c. "insured person". 11. "Insured entity" means: a. the "named insured"; b. any "subsidiary" while it qualifies as such; or c. any "predecessor firm(s)" provided a request for such coverage is made to us and approved in writing by us prior to the inception of such coverage. 12. "Insured person" means: a. any person who was, is now, or hereafter becomes principal, partner, officer, director, employee, or principal shareholder of the "insured entity", but only if such person was performing "professional services" on behalf of an "insured entity" at the time of the alleged "wrongful act" or "personal injury"; or b. the estate, heirs, executors, administrators, and legal representatives of any "insured person" in the event of the "insured person's" death, incapacity, insolvency or bankruptcy, but only to the extent that the "insured person" would otherwise be provided coverage under this Coverage Part. 13. "Interrelated claims" means all "claims" that include, in whole or in part, "wrongful acts" or "personal injury" that have as a common nexus any fact, circumstance, situation, event, transaction, goal, motive, methodology, or cause or series of causally connected facts, circumstances, situations, events, transactions, goals, motives, methodologies or causes. 14. "Named insured" means the individuals or entities stated in the Coverage Part Declarations. 15. "Nonpublic personal information" means: a. the first name and last name of a natural person in combination with any one or more of the following: i. social security number; ii. medical or healthcare information or data; iii. financial account information that would permit access to that individual's financial account; or b. a natural person's information that is designated as private by a "data privacy law". "Nonpublic personal information" does not include information that is lawfully available to the general public. 16. "Personal injury" means injury, other than "bodily injury", arising out of one or more of the following actual or alleged acts, errors or omissions committed in the performance or failure to perform "professional services": a. false arrest, detention or imprisonment; b. abuse of process or malicious prosecution; c. wrongful eviction from, wrongful entry into, or the invasion of the right of private occupancy of a room, dwelling or premises that a person occupies by or on behalf of its owner, landlord or lessor; or d. the publication or utterance of a libel or slander or other defamatory or disparaging material; or publication or utterance in violation of an individual's right of privacy; or use of the name or likeness of a person in violation of an individual's right to publicity. 17. "Policy period", as used in this Coverage Part, means the period from the "effective date" of this Coverage Part to the expiration date of the Coverage Part as stated in the Coverage Part Declarations or the date of cancellation, whichever is earlier. 18. "Predecessor firm" means any firm disclosed to us which has undergone dissolution and to whose financial assets and liabilities the "named insured" is the majority successor -in -interest. Form SL 50 45 10 18 Page 3 of 13 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) PROFESSIONAL LIABILITY COVERAGE FORM THE HARTFORD 19. "Professional services" means those services set forth in the definition of "professional services" in the class - specific Professional Services Endorsement, attached to this Coverage Part. 20. "Property damage" means a. physical injury to tangible property, including all resulting loss of use of that property; or b. loss of use of tangible property that is not physically injured. 21. "Pollutants" means any solid, liquid, gaseous or thermal irritant or contaminant, including without limitation smoke, vapor, soot, fumes, acids, alkalis, chemicals, odors, noise, lead, oil or oil products, radiation, asbestos or asbestos -containing products, waste and any electric, magnetic or electromagnetic field of any frequency. Waste includes, but is not limited to, material to be recycled, reconditioned or reclaimed. 22. "Retroactive date" means the date specified in the Coverage Part Declarations, or in any endorsement attached to this Coverage Part, on or after which the "wrongful act" or "personal injury" must have occurred in order for any "claim" or any notification given to us pursuant to SECTION X. Paragraph 1. Notice Of Circumstances or SECTION X. Paragraph 2. Notice Of Claim to be covered under this Coverage Part. 23. "Subsidiary" means any entity that: a. performs "professional services" during any time in which the "named insured" owns or controls, directly or through one or more of its subsidiaries, more than fifty percent (50%) of such entity or the right to elect or appoint more than fifty percent (50%) of such entity's directors or trustees; and b. existed as of the "effective date" of this Coverage Part. This Coverage Part does not cover any "claim" against a "subsidiary" or any "insured person" thereof for any "wrongful act" or "personal injury" that occurred when the "named insured" did not own or control, directly or through one or more of its subsidiaries, more than fifty percent (50%) of such entity or the right to elect or appoint more than fifty percent (50%) of such entity's director or trustees. If, before or during the "policy period", any entity ceases to qualify as a "subsidiary", then coverage shall be available under the Coverage Part for such former "subsidiary" and its "insured persons", but only for a "claim" for a "wrongful act" or "personal injury" that occurred before such "subsidiary" ceases to qualify as a "subsidiary". No coverage shall be available for any "claim" arising out of a "wrongful act" or "personal injury" that occurred after such "subsidiary" ceases to qualify as a "subsidiary". 24. "Unauthorized access" means the gaining of access to a "computer system" by an unauthorized person(s) or entity(ies), or by an authorized person or persons in an unauthorized manner. 25. "Unauthorized use" means the use of a "computer system" by a person(s) unauthorized by the "insured" or a person authorized by the "insured" who uses the "computer system" for a purpose not intended by the "insured". 26. "Wrongful act" means an actual or alleged negligent act, error or omission in the performance of or the failure to perform "professional services". SECTION III - DEFENSE AND SETTLEMENT 1. Subject to all terms and conditions of this Coverage Part, we shall have the right and duty to defend a "claim" covered by this Coverage Part even if any of the allegations of the "claim" are groundless, false or fraudulent. Our duty to defend a "claim" ends upon exhaustion of any applicable Limits of Liability. We shall have the sole right to appoint counsel, make such investigation, conduct settlement negotiations, and conduct such defense of a "claim" as we deem necessary. If a "claim" is subject to arbitration or mediation, we are entitled to exercise all of the "insured's" rights, including the choice of arbitrators or mediators, in the arbitration or mediation proceeding. We shall have the right to associate in the defense and settlement of any "claim" that in our judgment appears reasonably likely to involve this Coverage Part. 2. An "insured" shall not admit or assume any liability, make any settlement offer or enter into any settlement agreement, stipulate to any judgment, or incur any "claims expenses" regarding any "claim" without our prior written consent. Such consent shall not be unreasonably withheld. We shall not be liable for any admission, assumption, settlement offer or agreement, stipulation or "claims expenses" to which we have not consented. An "insured" must take all reasonable action to prevent or mitigate any "claim" that may be covered under this Coverage Part. Form SL 50 45 10 18 Page 4 of 13 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) PROFESSIONAL LIABILITY COVERAGE FORM THE HARTFORD 3. An "insured" shall give us all information and cooperation as we may reasonably request. 4. We shall not settle a "claim" without an "insured's" consent, which consent will not be unreasonably withheld. If, however, an "insured" refuses to consent to a settlement recommended by us and acceptable to the claimant and elects to continue proceedings in connection with the "claim", then our liability for "damages" and "claims expenses" relating to that "claim" will not exceed the total amount for "damages" and "claims expenses" which we would have paid up to the date of our settlement recommendation, minus any applicable Deductible and subject to the Limits of Liability and all other provisions of this Coverage Part. We shall continue to have the right to appoint counsel, make such investigation, conduct settlement negotiations, and conduct such defense of the "claim" as we deem necessary until the Limits of Liability are exhausted. Bankruptcy, insolvency, or dissolution of an "insured" or of an "insured's" estate shall not relieve us or the "insured" of the obligations under this Coverage Part. In the event of your bankruptcy, insolvency, or dissolution, we shall have, at our sole option, the right to settle any "claim" without obtaining your consent. We shall not be obligated to pay "damages" or "claims expenses" or defend or continue to defend any "claim" after the applicable Limits of Liability as stated in the Coverage Part Declarations has been exhausted by payment of "damages" or "claims expenses" or a combination of both. SECTION IV - DISCIPLINARY PROCEEDINGS Notwithstanding any other provisions of this Coverage Part, but subject to all terms and conditions of this Coverage Part, we shall pay "claims expenses" (but not "damages") incurred for defending a proceeding before a regulatory or governmental disciplinary official or agency to investigate allegations of professional misconduct in the rendering of or failure to render "professional services". We will pay Disciplinary Proceedings "claims expenses" up to the amount stated in the Coverage Part Declarations under Disciplinary Proceedings Claim Expense Sub -Limit, regardless of the number of proceedings brought by a regulatory or disciplinary official or agency. This amount will not be included within (and shall not serve to reduce) the Limits of Liability and is not subject to any Deductible obligation of the "insured". In order to receive coverage under this provision, you must give us written notice within thirty (30) days of receipt of any regulatory or disciplinary allegation made against any "insured". SECTION V - LIMITS OF LIABILITY AND DEDUCTIBLE Regardless of the number of "insureds" under this Coverage Part, the number of persons or organizations seeking "damages" or the number of "claims" made, our liability is limited as follows: 1. Limits Of Liability - Each Claim The amount stated in the Coverage Part Declarations as applicable to each "claim" is the most we will pay for all "damages" and "claims expenses" arising out of any one "claim" or any one set of "interrelated claims". 2. Limits Of Liability — Aggregate The amount shown in the Coverage Part Declarations as the Aggregate limit is the most we will pay for all "damages" and "claims expenses" for all "claims" to which this Coverage Part applies. 3. Limits Of Liability — Reduction Any payment of "damages" and "claims expenses" we make reduces the Limits of Liability. 4. Deductible a. Our obligation to pay "damages" and "claims expenses" under this Coverage Part applies only to the amount of "damages" and "claims expenses" which are in excess of the Deductible amount stated in the Coverage Part Declarations. The Deductible shall be borne by the "named insured" and shall not be insured. b. The Deductible amount applies to all "damages" and "claims expenses" incurred as the result of each "claim". c. The terms of this Coverage Part, including those with respect to our right and duty to defend suits and your duties in the event of a "claim", suit or circumstances which may give rise to a "claim", apply irrespective of the application of the Deductible. Form SL 50 45 10 18 Page 5 of 13 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) PROFESSIONAL LIABILITY COVERAGE FORM THE HARTFORD d. We may pay "damages" and "claims expenses" under this Coverage Part in the investigation or settlement of any "claim" prior to your payment of any part or all of the Deductible amount. Upon notification of the action we have taken, you shall reimburse us for that part of the Deductible amount you owe within sixty (60) days. We will be entitled to recover reasonable attorney's fees and other costs incurred in collecting the Deductible amount you owe. e. The Limits of Liability will not be reduced by the amount of any "damages" and "claims expenses" within the Deductible amount unless (but only to the extent that) such "damages" and "claims expenses" have been paid by us and not reimbursed by you. f. If you agree with a request we make to submit a "claim" made against you to binding arbitration or mediation under the terms and conditions we specify, and the "claim" is resolved through such mediation or binding arbitration, then we will reduce the deductible amount stated in the Coverage Part Declarations by fifty percent (50%). While the right to submit a "claim" to binding arbitration or mediation shall be ours, no "claim" shall be submitted to mediation or binding arbitration under this paragraph without your prior written consent. In the case of such resolution through mediation or binding arbitration, the maximum dollar amount by which the deductible will be reduced under this paragraph is $25,000. SECTION VI - INTERRELATED CLAIMS All "claims" based upon, arising from or in any way related to the same "wrongful act" or "personal injury" or "interrelated claim" shall be deemed to be a single "claim" for all purposes under this Coverage Part first made on the earliest date that: 1. any of such "claims" was first made, regardless of whether such date is before or during the "policy period"; 2. notice of any "wrongful act" or "personal injury" described above was given to us under this Coverage Part pursuant to SECTION X. Paragraph 2. Notice Of Claim; or 3. notice of any "wrongful act" or "personal injury" described above was given under any prior insurance policy. SECTION VII - COVERAGE TERRITORY This Coverage Part applies to any "wrongful act" or "personal injury" in the rendering of or failure to render "professional services" anywhere in the world, provided that the "claim" is made and suit, if any, is brought within the United States (including its territories or possessions), or Canada. SECTION VIII - EXTENDED REPORTING PERIODS 1. Extended Reporting Periods — General You will have the right to purchase an Extended Reporting Period if you or we cancel or non -renew this Coverage Part for any reason other than non-payment of either premium or the Deductible amount. You must exercise such right by providing written notice to us accompanied by the premium for the Extended Reporting Period and all other premiums due within sixty (60) days after the cancellation or non- renewal of the Coverage Part. We will then issue an endorsement for the Extended Reporting Period. This endorsement to this Coverage Part will allow reporting of "claims" first made during the Extended Reporting Period for "wrongful acts" or "personal injury" which occurred prior to the end of the "policy period", and are otherwise covered by the Coverage Part. The additional premium for the Extended Reporting Period is based on a percentage of the full annual premium for the "policy period" of this Coverage Part and shall be: a. 100% of the Coverage Part's annual premium for one year; b. 165% of the Coverage Part's annual premium for three years; c. 200% of the Coverage Part's annual premium for five years; 2. Retiree Extended Reporting Period For A Sole Proprietor If you are a sole proprietor, you are designated as an Individual in the Coverage Part Declarations and you have been continuously insured for professional liability coverage with a member of The Hartford Financial Services Form SL 50 45 10 18 Page 6 of 13 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) PROFESSIONAL LIABILITY COVERAGE FORM THE HARTFORD Group, Inc. group of companies for three or more full consecutive years under this Coverage Part, an unlimited extended reporting period, subject to any applicable Limits of Liability, will be provided without additional charge if you; a. Cancel or fail to renew this Coverage Part due to your retirement from your profession within the "policy period"; b. Cease the performance of all "professional services" covered by this Coverage Part; and c. Are fifty-five (55) years of age or older, You must notify us in writing if this coverage is desired within sixty (60) days after the termination of the Coverage Part. This Retiree Extended Reporting Period does not apply to "claims" that are covered under any subsequent insurance you purchase, or that would be covered but for the exhaustion of the amount of insurance applicable to such "claims". 3. Death Or Disability Extended Reporting Period For A Sole Proprietor If you are a sole proprietor, you are designated as an Individual in the Coverage Part Declarations, and you die or become totally and permanently disabled during the "policy period", a Death Or Disability Extended Reporting Period shall be provided without additional charge. Coverage for reporting "claims" is extended until the executor or administrator of the estate is discharged or your disability ends. You or your estate must, within sixty (60) days after the termination of this Coverage Part, notify us in writing if this coverage is desired. This Death Or Disability Extended Reporting Period for a sole proprietor does not apply to "claims" that are covered under any subsequent insurance available to you, or that would be covered but for the exhaustion of the amount of insurance applicable to such "claims". We also require: a. Written proof of your permanent and total disability, including the date it happened, certified by your attending physician. You agree to submit to medical examination(s) by any physician(s) we designate if requested; or b. Written proof of the date of your death. 4. Extended Reporting Period Coverage The Limits of Liability available for any Extended Reporting Period are part of, and not in addition to, the Limits of Liability as shown in the Coverage Part Declarations. The Deductible shown on the Coverage Part Declarations will apply separately to each "claim" reported under any Extended Reporting Period. As of the effective date of any Extended Reporting Period, this Coverage Part is not cancelable and all premium paid for the Extended Reporting Period is fully earned. The Extended Reporting Periods are not renewable. SECTION IX - EXCLUSIONS We shall not pay "damages" or "claims expenses" in connection with any "claim": 1. for, based upon, arising from or in any way related to any dishonest, fraudulent or criminal act, or omission or any willful violation of law by an "insured" if a judgment or other non -appealable final adjudication establishes such an act, omission or violation. This exclusion does not apply to a "claim" against an "insured person" who did not personally commit or personally participate in committing any of the dishonest, fraudulent, criminal or malicious acts, errors or omissions, provided that: a. such "insured person" had neither notice nor knowledge of such act, omission or violation; and b. such "insured person", upon receipt of notice or knowledge of such act, omission or violation immediately notifies us. 2. for "bodily Injury" or "property damage" except that this exclusion does not apply to claims of mental anguish or emotional distress caused by "personal injury". 3. made, directly or indirectly, by or on behalf of, or with the assistance of, a former or present "insured". 4. for, based upon, arising from or in any way related to the actual or alleged discrimination, humiliation, harassment or misconduct by an "insured" because of race, creed, color, age, gender, sexual preference or orientation, national origin, religion, disability, handicap, marital status or any other class protected under federal, state, local or other law. Form SL 50 45 10 18 Page7of13 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) PROFESSIONAL LIABILITY COVERAGE FORM 5. for, based upon, arising from or in any way related to any actual or alleged violation of: a. Securities Act of 1933; b. Securities Exchange Act of 1934; c. Employee Retirement Income Security Act of 1974; or d. Crime Control Act of 1970 (commonly known as Racketeer Influenced and Corrupt Organizations Act or RICO); or any amendment to or any rule or regulation promulgated under or in connection with any of the above statutes; or any similar provision of any federal, state, or local statutory law or common law anywhere in the world. 6. for, based upon, arising from or in any way related to an "insured's" capacity as: a. a public official or employee of a governmental body, subdivision or agency thereof unless an "insured" is deemed to be such solely by virtue of rendering "professional services" to such governmental body, the remuneration for which services benefits the "named insured"; or b. an officer, director, partner, employee, principal shareholder or member of any organization other than yours. 7. for, based upon, arising from, or in any way related to any prior or pending demand, suit or proceeding against any "insureds" as of the effective date of the first Professional Liability Coverage Part issued and continuously renewed by us, or the same or any substantially similar fact, circumstance or situation underlying or alleged in such demand, suitor proceeding. 8. for, based upon, arising from or in any way related to any fact, circumstance, situation, "wrongful act" or "personal injury" that, before the "effective date" in the Coverage Part Declarations, was the subject of any notice given under any other professional liability policy, or similar insurance policy. 9. for, based upon, arising from or in any way related to: a. the promotion, sale or solicitation for sale of securities, real estate, or other investments by any "insured"; b. recommendations, representations, or opinions concerning investment advice by an "insured" or any person or organization referred to by an "insured" in connection with portfolio or trust account management, or the performance or nonperformance of securities, real estate, or other investments; c. the guaranteeing of the availability of funds, or specified rate of return and/or interest; d. any governmental intervention, cease and/or desist order, insolvency, receivership, bankruptcy, licensing or liquidation of any organization (directly or indirectly) in which the "insured" has placed or obtained insurance coverage or placed the funds of a client or account; e. any "insured" making: i. warranties or guarantees of the future value of investments; or ii. warranties or guarantees of potential sales, earnings, profitability, or economic value. f. any "damages" alleged to have been sustained through fluctuation in the market value of any security or investment. 10. for, based upon, arising from or in any way related to "professional services" performed for or on behalf of any organization if, at any time when those services were performed, the organization was or was intended to be: a. directly or indirectly controlled, operated or managed by an "insured"; or b. owned by an "insured", or by a spouse of any "insured", in a percentage which exceeds: i. five (5) percent of the issued and outstanding voting stock of the shares of a publicly traded organization; or ii. ten (10) percent of the legal and/or equitable ownership of the organization. 11. against an "insured" as a beneficiary or distributee of any trust or estate. Form SL 50 45 10 18 Page 8 of 13 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) PROFESSIONAL LIABILITY COVERAGE FORM THE HARTFORD 12. for, based upon, arising from or in any way related to liability assumed by an "insured" under an indemnity, hold harmless or liquidated damages provision or similar provisions or agreements, but this exclusion does not apply to liability an "insured" would have in the absence of such agreements. 13. for, based upon, arising from or in any way related to the gaining in fact of any personal profit or advantage to which the "insured" is not legally entitled; or the investment, conversion, misappropriation, or comingling of the assets of others. 14. made by an employee, former employee or job applicant of the "insured"; or based upon, or arising from or in any way related to any express or implied contract of employment with the "insured" and alleging a breach thereof. 15. for, based upon, arising from or in any way related to "professional services" performed by a professional with whom the "insured" shared office space or common office facilities and who is not an "insured" under this Coverage Part. 16. for, based upon, arising from or in any way related to any award, prize, games, sweepstakes, lotteries, contests, coupons or redemption offers, including over -redemptions. 17. for, based upon, arising from or in any way related to the actual or alleged misappropriation of advertising ideas, style of doing business or trade secrets, service mark or infringement or violation of copyright, patent, trademark or any other intellectual property rights or laws. 18. for, based upon, arising from or in any way related to the actual or alleged violation of any state or federal antitrust, restraint of trade, unfair or deceptive business practices, unfair competition or other consumer protection laws. 19. for, based upon, arising from or in any way related to any: a. actual or alleged discharge, dispersal, release, or escape of "pollutants", or any threat of such discharge, dispersal, release or escape; or b. direction, request or voluntary decision to test for, abate, monitor, clean up, remove, contain, treat, detoxify or neutralize "pollutants". 20. for, based upon, arising from or in any way related to any actual or alleged unsolicited: a. sending of information by fax or email, or by any other means, where prohibited by law; or b. telephone calls using an autodialer or other automated system, or by any other means, where prohibited by law. 21. for, based upon, arising from or in any way related to any actual or alleged negligent act, error or omission committed in connection with the performance or failure to perform "professional services" which results in or from any of the following: a. the "unauthorized access" or "unauthorized use" of an "insured's computer system" b. the transmission of corrupting or harmful software code, including but not limited to, computer viruses, Trojan Horses, worms, spy -ware or malware; c. the unauthorized disclosure of "nonpublic personal information"; or d. the gaining of access to an entity's information utilized in e -commerce, e-mail and file transfers, by any person who is not authorized to gain such access. SECTION X - CONDITIONS - CLAIMS 1. Notice Of Circumstances If during the "policy period" an "insured" becomes aware of any "wrongful act", "personal injury" or other fact, circumstance or situation that he or she (i) believes might result in a "claim" or (ii) could reasonably have foreseen might result in a "claim", the "insured" shall, as a condition precedent to the coverage afforded by this Coverage Part, immediately and in all instances prior to the expiration of the "policy period", give written notice to us of the particulars of: Form SL 50 45 10 18 Page9of13 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) PROFESSIONAL LIABILITY COVERAGE FORM THE HARTFORD a. the nature and dates of the specific act, error, omission or other fact, circumstance or situation giving rise to the potential of a "claim", including, without limitation, the identity of each "insured" who participated and/or had supervisory responsibility for the matter and the reasons why it seems foreseeable that the matter may give rise to a "claim"; b. the identity of each potential claimant and the alleged injury or damage which has resulted or may result from such "wrongful act", "personal injury" or other fact, circumstance or situation and the steps, if any, undertaken or proposed to be undertaken to mitigate "damages"; and c. the conditions under which the "insured" first became aware of such "wrongful act", "personal injury" or other fact, circumstance or situation. This Coverage Part shall then apply to any "claim" that is subsequently made against the "insured" and arises out of such "wrongful act" or "personal injury" or other fact, circumstance or situation that occurred on or after the "retroactive date" and before the end of the "policy period", and was reported and accepted as a notice of circumstances in accordance with this SECTION X. Paragraph 1. Notice of Circumstances provision. 2. Notice Of Claim a. Reporting Of A Claim Made Against An Insured If, during the "policy period" or applicable Extended Reporting Period, a "claim" is made against an "insured", as a condition precedent to coverage under this Coverage Part, you must give written notice in accordance with Paragraph b,below. b. Insured's Duties In The Event A Claim Is Received By An Insured i. The "named insured" and any other involved "insured" must see to it that we are notified immediately, but in no event later than sixty (60) calendar days after the expiration date of the "policy period" or within any applicable Extended Reporting Period, of any "claim" made against an "insured". To the extent possible, written notice should include: 1) the specific "wrongful act or "personal injury" including the date the "claim" was made and or received; and 2) the "damages" that may reasonably result. ii. the "named insured" and any other involved "insured" must: 1) immediately send us copies of any demands, tolling agreements, complaints, notices, summonses or similar documents received in connection with the "claim"; 2) authorize us to obtain records and other information; 3) provide us with such information and cooperation as we may reasonably require in the investigation, evaluation, settlement or defense of the "claim" or suit; assist in making statements, in the conduct of suits or similar legal proceedings, attend hearings, depositions, and trials, assist on securing and giving evidence and obtaining the attendance of witnesses; and 4) assist us, upon our request, in the enforcement of any right against any person or organization that may be liable to an "insured" because of "damages" to which this insurance may also apply. iii. no "insured" will, except at their own cost, voluntarily make a settlement offer or payment, assume any obligation, assume or admit liability, settle any "claim" or incur any expense without our prior written consent. 3. False Or Fraudulent Claims If any "insured" notifies us of a "claim" or circumstance knowing it to be false or fraudulent, this Coverage Part shall become void. Form SL 50 45 10 18 Page 10 of 13 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) PROFESSIONAL LIABILITY COVERAGE FORM THE HARTFORD 4. Subrogation When any payment is made under this Coverage Part, we shall be subrogated to the "insured's" right of recovery in connection with that payment. Each "insured" shall do whatever is necessary to secure the right of recovery and shall do nothing to waive or prejudice such right. 5. No Action Against Company No action shall lie against us, unless, as a condition precedent, the "insured" has fully complied with all the terms of the Policy, and the amount of the "insured's" obligation to pay shall have been fully determined either: a. by written agreement of the "insured", the claimant, and us; or b. by final judgment against the "insured". 6. Allocation Where "insureds" who are afforded coverage for a "claim" incur an amount consisting of both "damages" and "claim expenses" that are covered by this Coverage Part and also incur "damages" and "claim expenses" that are not covered by this Coverage Part because such "claim" includes both covered and uncovered matters, then coverage shall apply as follows: a. with respect to a covered "claim" for which we have the duty to defend: i. 100% of the "insured's claims expenses" shall be allocated to covered "claims expenses"; and ii. All "damages" shall be allocated between covered "damages" and non -covered "damages" based upon the relative legal exposure of all parties to such matters. b. with respect to a covered "claim" for which we do not have the duty to defend, all "damages" and "claims expenses" shall be allocated between covered "damages" and "claims expenses" and non -covered "damages" and "claims expenses" based upon the relative legal exposure of all parties to such matters. SECTION XI - GENERAL CONDITIONS 1. Cancellation a. We may cancel this Coverage Part for non-payment of premium by sending not less than ten (10) days notice to the first "named insured". This Coverage Part may not otherwise be cancelled by us. b. Except as provided in SECTION XI. Paragraph 3. Changes In Exposure, Subparagraph b. Takeover Of Named Insured, the first "named insured" may cancel this Coverage Part by sending written notice of cancellation to us. Such notice shall be effective upon receipt by us unless a later cancellation time is specified therein. If we cancel this Coverage Part, unearned premium shall be calculated on a pro rata basis. If the first "named insured" cancels this Coverage Part, unearned premium shall be calculated at our customary short rates. Payment of any unearned premium shall not be a condition precedent to the effectiveness of a cancellation. We shall make payment of any unearned premium as soon as practicable d. Any state amendatory endorsement changing Cancellation Conditions for any part of this Policy shall also apply to this Coverage Part. 2. Authorization Of First Named Insured The first "named insured" shown in the Coverage Part Declarations shall act on behalf of all "insureds" with respect to all matters under this Coverage Part, including, without limitation, giving and receiving of notices regarding "claims", cancellation, election of Extended Reporting Period, payment of premiums, receipt of any return premiums and acceptance of any endorsements to this Coverage Part. 3. Changes In Exposure a. Mergers And Acquisitions If during the "policy period", the "named insured": i. merges with another entity such that the "named insured" is the surviving entity; or Form SL 50 45 10 18 Page 11 of 13 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) PROFESSIONAL LIABILITY COVERAGE FORM THE HARTFORD ii. acquires another entity, then such newly merged or acquired entity shall be an "insured", notwithstanding SECTION II - DEFINITIONS, Paragraph 23. Subparagraph b., to the extent such entity would otherwise qualify as an "insured", but only for a "wrongful act" or "personal injury" occurring after such merger or acquisition. No coverage shall be available for any "wrongful act" or "personal injury" of such "insured" occurring before such transaction or for any "interrelated claims" thereto. If the annual revenue or assets of the "insured" increases by more than 20% from those reflected in its most recent consolidated financial statements prior to such merger or acquisition, the "named insured" shall give us full details of the transaction in writing as soon as practicable but no later than thirty (30) days after the effective date of such merger or acquisition, and we shall be entitled to impose such additional terms, conditions, and premium. There shall be no coverage under this Coverage Part for any newly merged or acquired entity unless the "named insured" complies with the terms of this provision. b. Takeover Of Named Insured If, during the "policy period": i. the "named insured" merges into or consolidates with another entity such that the "named insured" is not the surviving entity; ii. greater than fifty percent (50%) of the ownership of the "named insured" or the right to elect or appoint more than fifty percent (50%) of the "named insured's" directors or trustees is acquired by another entity or person or group of entities or persons; or iii. all or substantially all of the "named insured's" assets are sold to another entity or person or group of entities or persons, then coverage shall continue under this Coverage Part, but only for a "wrongful act" or "personal Injury" occurring before such transaction. No coverage shall be available for any "wrongful act" or "personal injury" occurring after such transaction. Notwithstanding any applicable cancellation provisions of this Policy, upon such transaction this Coverage Part shall not be cancelled and the entire premium for this Coverage Part shall be deemed fully earned. The "named insured" shall give us written notice of such transaction or change in control as soon as practicable, but not later than thirty (30) days after the effective date of such transaction. 4. Bankruptcy Bankruptcy or insolvency of the "insured" shall not relieve us of our obligations nor deprive us of our rights or defenses under this Coverage Part. 5. Application a. By accepting this Coverage Part, you represent that the Coverage Part Declarations and statements contained in the "application" are true, accurate and complete. This Coverage Part is issued in reliance upon the "application". b. If the "application" contains intentional misrepresentations or misrepresentations that materially affect the acceptance of the risk by us, no coverage shall be afforded under this Coverage Part for any "insureds" who knew on the "effective date" of this Coverage Part of the facts that were so misrepresented, provided that: i. knowledge possessed by any "insured person" shall not be imputed to any other "insured person"; and ii. knowledge possessed by any principal, partner, chief executive officer, chief operating officer, general counsel, chief financial officer, risk manager, human resources director or any position equivalent to the foregoing of the "named insured", or anyone signing the "application", shall be imputed to all "insured entities". No other person's knowledge shall be imputed to an "insured entity". 6. Headings The descriptions in the headings and subheadings of this Coverage Part are solely for convenience and form no part of the terms, conditions, exclusions and limitations of this Coverage Part. Form SL 50 4510 18 Page 12 of 13 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) PROFESSIONAL LIABILITY COVERAGE FORM THE HARTFORD 7. Notice Addresses a. All notices to the "insureds" shall be sent to the first "named insured" at the address specified in the Coverage Part Declarations. b. All notices to us shall be sent to the address specified in the Coverage Part Declarations. Any such notice shall be effective upon receipt by us at such address. 8. Other Insurance With respect to any "claim" reported under this Coverage Part, if there is available any other valid and collectible insurance, then this Coverage Part shall apply only in excess of the amount of any deductibles, retentions and limits of liability under such other policy or policies, whether such other policy or policies are stated to be primary, contributory, excess, contingent or otherwise, unless such other insurance is written specifically excess of this Policy by reference in such other policy or policies to this Policy's policy number. 9. Spousal / Domestic Partner Extension If a covered "claim" against an "insured" also includes a "claim" against the lawful spouse or "domestic partner" of such "insured" solely by reason of (a) such spousal or "domestic partner" status, or (b) such spouse or "domestic partner's" ownership interest in property or assets that are sought as recovery for such "claim", then such spouse or "domestic partner" shall be deemed an "insured" for such "claim". However, this extension shall not apply to the extent the "claim" alleges any act or omission by such spouse or "domestic partner". Coverage of the spouse or "domestic partner" shall be on the same terms and conditions, including, but not limited to, any applicable Deductible, as apply to coverage of the "insured" for such "claim". 10. References To Laws a. Wherever this Coverage Part mentions any law, including, without limitation, any statute, act or code of the United States, such mention shall be deemed to include all amendments of, and all rules or regulations promulgated under, such law. b. Wherever this Coverage Part mentions any law or laws, including, without limitation, any statute, act or code of the United States and such mention is followed by the phrase or any similar law, such phrase shall be deemed to include all similar laws of all jurisdictions throughout the world, including, without limitation, statutes and any rules or regulations promulgated under such statutes as well as common law. 11. Minimum Standards In the event there is an inconsistency between: a. The terms and conditions that are required to meet minimum standards of a state's law (pursuant to a state amendatory endorsement attached to this Policy), and b. Any other term or condition of this Coverage Part, It is understood and agreed that, where permitted by law, we shall apply those terms and conditions of a. or b. above that are more favorable to the "insured". 12. When We Do Not Renew a. If we decide not to renew this Coverage Part, we will mail or deliver to the first "named insured" shown in the Coverage Part Declarations written notice of the nonrenewal not less than thirty (30) days before the expiration date. b. If notice is mailed, proof of mailing will be sufficient proof of notice. c. Any state amendatory endorsement changing Nonrenewal Conditions for any part of this Policy shall also apply to this Coverage Part. Form SL 50 45 10 18 Page 13 of 13 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD PROFESSIONAL SERVICES ENDORSEMENT - STENOGRAPHIC SERVICES This endorsement modifies insurance provided under the following: PROFESSIONAL LIABILITY COVERAGE FORM I. The definition "professional services" in the DEFINITIONS Section is amended to include the following: "Professional services" means "stenographic services", performed by the "insured", in the ordinary conduct of its profession, for others for a fee, remuneration or other consideration. II. The following definition is added to the DEFINITIONS Section: "Stenographic services" means services, including advice, regarding the transcribing of spoken word or recorded speech. III. The EXCLUSIONS Section is amended by the addition of the following exclusions: o for, based upon, arising from, or in any way related to "professional services" performed without a valid stenography license in effect at the time such "professional services" were provided. o for, based upon, arising from, or in any way related to disclosure of any forms or documents that are not authorized and/or consented by the owner of such forms or documents. All other terms and conditions remain unchanged. Form SL 50 53 10 18 Page 1 of 1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THE HARTFORD EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM (CLAIMS MADE) NOTICE: COVERAGE PROVIDED BY THIS COVERAGE PART IS CLAIMS MADE COVERAGE. EXCEPT AS OTHERWISE SPECIFIED HEREIN: COVERAGE APPLIES ONLY TO A CLAIM FIRST MADE AGAINST THE INSUREDS DURING THE POLICY PERIOD AND WHICH HAS BEEN REPORTED TO US IN ACCORDANCE WITH THE APPLICABLE NOTICE PROVISIONS. COVERAGE IS SUBJECT TO THE INSURED'S PAYMENT OF THE APPLICABLE DEDUCTIBLE. PAYMENTS OF CLAIM EXPENSES ARE SUBJECT TO, AND REDUCE, THE AVAILABLE LIMITS OF LIABILITY. PLEASE READ THE COVERAGE PART CAREFULLY AND DISCUSS THE COVERAGE WITH YOUR INSURANCE AGENT OR BROKER. UPON TERMINATION OF THIS COVERAGE PART, EXTENDED REPORTING PERIOD COVERAGE IS AVAILABLE. Quick Reference Beginning on Page SECTION I: INSURING AGREEMENT 1 SECTION II: DEFINITIONS 1 SECTION III: EXCLUSIONS 5 SECTION IV: DISCOVERY CLAUSE 6 SECTION V: EXTENDED REPORTING PERIOD 6 SECTION VI: COVERAGE TERRITORY 7 SECTION VII: LIMITS OF LIABILITY AND DEDUCTIBLE 7 SECTION VIII: DUTIES IN EVENT OF CLAIM; DEFENSE AND SETTLEMENT 8 SECTION IX: CONDITIONS 9 Form SL 55 0210 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM (CLAIMS MADE) Various provisions in this Policy restrict coverage. Please read the entire Policy carefully to determine your rights, duties and what is and is not covered. Throughout this Coverage Part the words you and your refer to the "Named Insured" in the Declarations. The words we, us and our refer to the stock insurance company member of THE HARTFORD shown on the Declarations Page. Words and phrases that appear in quotation marks are defined in SECTION II - DEFINITIONS of this Coverage Part. In consideration of, and subject to, the payment of the premium by you and in reliance upon the accuracy and completeness of the "application", including but not limited to the statements, attachments and exhibits contained in and submitted with the "application", we agree with you, subject to all terms, exclusions and conditions of this Coverage Part, as follows: SECTION I - INSURING AGREEMENT Employment Practices Liability We shall pay "loss" on behalf of the "insureds" resulting from an "employment practices claim" first made against the "Insureds" during the "policy period" or Extended Reporting Period, if applicable, for an "employment practices wrongful act" by the "insureds". SECTION II - DEFINITIONS A. "Application" means the application for this Coverage Part, including any materials or information submitted therewith or made available to us during the underwriting process, which application shall be on file with us. Such "application" shall be deemed a part of this Coverage Part and attached hereto. In addition, "application" includes any warranty, representation or other statement provided to us within the past three years in connection with any policy or coverage part of which this Coverage Part is a renewal or replacement. B. "Benefits" means perquisites, fringe benefits, deferred compensation, severance pay and any other form of compensation (other than salaries, wages, or bonuses as a component of a front or back pay award). C. "Claim" means any "employment practices claim". D. "Claim expenses" means: 1. reasonable and necessary legal fees and expenses, including, but not limited to, e -discovery expenses, incurred in the defense or appeal of a "claim"; 2. "Extradition costs"; or 3. the costs of appeal, attachment or similar bonds, provided that we shall have no obligation to furnish such bonds. However, "claim expenses" shall not include: a. salaries, wages, remuneration, overhead or benefit expenses associated with any "insureds"; b. any fees, expenses or costs which are incurred by or on behalf of a party which is not a covered "insured"; or c. any fees, expenses or costs which were incurred prior to the date on which we received written notice of the "claim" from the "insured". E. "Controlled partnership" means a limited partnership in which and so long as the "named insured" owns or controls, directly or indirectly, more than 50% of the limited partnership interest and an "insured entity" is the sole general partner. F. "Damages" means the amounts, other than "claim expenses", that the "insureds" are legally liable to pay solely as a result of a "claim" covered by this Coverage Part, including: Form SL 55 02 10 18 Page 1 of 12 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM THE HARTFORD 1. compensatory damages, including front pay and back pay; 2. settlement amounts; 3. pre- and post -judgment interest; 4. costs awarded pursuant to judgments; 5. punitive and exemplary damages; 6. the multiple portion of any multiplied damage award; or 7. liquidated damages under the Age Discrimination in Employment Act and the Family and Medical Leave Act. However, "damages" shall not include: a. taxes, fines or penalties imposed by law; b. non -monetary relief; c. "Benefits"; d. future compensation for any person hired, promoted, or reinstated pursuant to a judgment, settlement, order or other resolution of a "claim"; e. "Stock benefits"; f. costs associated with providing any accommodations required by the Americans with Disabilities Act or any similar law; or any other matters uninsurable pursuant to any applicable law; provided, however, that with respect to punitive and exemplary damages, or the multiple portion of any multiplied damage award, the insurability of such damages shall be governed by the internal laws of any applicable jurisdiction that most favors coverage of such damages. G. "Debtor in possession" means a "debtor in possession" as such term is defined in Chapter 11 of the United States Bankruptcy Code as well as any equivalent status under any similar law. H. "Domestic partner" means any natural person qualifying as a domestic partner under the provisions of any applicable federal, state or local law or any domestic partner relationship arrangement recognized outside of the United States and under the Human Resource policy of the "insured entity". "Employee" means any natural person who was, is or shall become a(n): 1. employee of an "insured entity" including any part time, seasonal, temporary, leased, or loaned employee; or 2. volunteer or intern with an "insured entity". J. "Employee data privacy wrongful act" means: 1. the failure to prevent any unauthorized access to or use of data containing "Private Employment Information" of any "Employee" or applicant for employment with the "Insured Entity" including any such failure that directly results in a violation with respect to the privacy of such "Employee's" or applicant's medical information under the Health Insurance Portability and Accountability Act (HIPAA) or credit information under the Fair Credit Reporting Act (FCRA); or 2. the failure to notify any "employee" or applicant for employment with the "insured entity" of any actual or potential unauthorized access to or use of "private employment information" of any "employee" or applicant for employment with the "insured entity", if such notice was required by state or federal regulation or statute. K. "Employment practices claim" means any: 1. written demand for monetary damages or other civil non -monetary relief commenced by the receipt of such demand, including, without limitation, a written demand for employment reinstatement; 2. civil proceeding, including an arbitration or other alternative dispute resolution proceeding, commenced by the service of a complaint, filing of a demand for arbitration, or similar pleading; or 3. formal administrative or regulatory proceeding, including, without limitation, a proceeding before the Equal Employment Opportunity Commission or similar governmental agency, commenced by the filing of a notice of charges, formal investigative order or similar document; 9. Form SL 55 02 10 18 Page2of12 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM by or on behalf of an "employee", an applicant for employment with an "insured entity", or an "independent contractor" "Employment practices claim" also means the receipt of a notice of violation, order to show cause, or a written demand for monetary or injunctive relief that is the result of an audit conducted by the United States Office of Federal Contract Compliance Programs. "Employment practices claim" also means a written request to the "insureds" to toll or waive a statute of limitations regarding a potential "Employment practices claim" as described above. Such "claim" shall be commenced by the receipt of such request. However, "employment practices claim" shall not include any labor or grievance proceeding or arbitration that is subject to a collective bargaining agreement. L. "Employment practices wrongful act" means: 1. wrongful dismissal, discharge, or termination of employment (including constructive dismissal, discharge, or termination), wrongful failure or refusal to employ or promote, wrongful discipline or demotion, failure to grant tenure, negligent employment evaluation, or wrongful deprivation of career opportunity; 2. sexual or other workplace harassment, including bullying in the workplace, quid pro quo and hostile work environment; 3. employment discrimination, including discrimination based upon age, gender, race, color, creed, marital status, sexual orientation or preference, gender identity or expression, genetic makeup, or refusal to submit to genetic makeup testing, pregnancy, disability, HIV or other health status, Vietnam Era Veteran or other military status, or other protected status established under federal, state, or local law; 4. "Retaliation"; 5. breach of any oral, written, or implied employment contract, including, without limitation, any obligation arising from a personnel manual, employee handbook, or policy statement; or 6. violation of the Family and Medical Leave Act. "Employment practices wrongful act" also means the following, but only when alleged in addition to or as part of any "employment practices wrongful act" described above: a. employment -related wrongful infliction of mental anguish or emotional distress; b. failure to create, provide for or enforce adequate or consistent employment -related policies and procedures; c. negligent retention, supervision, hiring or training; d. employment -related invasion of privacy, defamation, or misrepresentation; or e. an "employee data privacy wrongful act". M. "ERISA" means the Employee Retirement Income Security Act of 1974. N. "Extradition costs" means reasonable and necessary fees and expenses directly resulting from a "claim" in which an "insured person" lawfully opposes, challenges, resists or defends against any request for the extradition of such "insured person" from his or her current country of employ and domicile to any other country for trial or otherwise to answer any criminal accusation, including the appeal of any order or other grant of extradition of such "insured person". O. "Financial insolvency" means the status of an "insured entity" as a result of: 1. the appointment of any conservator, liquidator, receiver, rehabilitator, trustee, or similar official to control, supervise, manage or liquidate such "insured entity"; or 2. such "insured entity" becoming a "debtor in possession". P. "Independent contractor" means any natural person working in the capacity of an independent contractor pursuant to an "independent contractor agreement". Form SL 55 02 10 18 Page 3 of 12 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM THE HARTFORD Q. "Independent contractor agreement" means any express contract or agreement between an "independent contractor" and an "insured entity" specifying the terms of the "insured entity's" engagement of such independent contractor". R. "Insured entity" means: 1. the "named insured"; or 2. any "subsidiary". "Insured entity" shall include any such entity as a "debtor in possession". "Insured entity" shall also include any such entity in its capacity as a general partner of a "controlled partnership". S. "Insured person" means any: 1. "Employee"; 2. "Manager"; or 3. regarding the Employment Practices Liability Insuring Agreement, an "independent contractor" provided that within 30 days of an "employment practices claim" having been made against such "independent contractor" that the "insured entity" agrees in writing to indemnify such "independent contractor" for any "loss" arising out of such "claim". T. "Insureds" means any: 1. "Insured entity"; or 2. "Insured person". U. "Interrelated wrongful acts" means "wrongful acts" that have as a common nexus any fact, circumstance, situation, event, transaction, goal, motive, methodology, or cause or series of causally connected facts, circumstances, situations, events, transactions, goals, motives, methodologies or causes. V. "Loss" means "claim expenses" and "damages". W. "Manager" means any natural person who was, is or shall become a(n): 1. duly elected or appointed director, advisory director, board observer, advisory board member, officer, member of the board of managers or management committee member of an "insured entity"; 2. "Employee" in his/her capacity as legal counsel to an "insured entity"; or 3. executive of an "insured entity" created outside the United States to the extent that such executive holds a position equivalent to those described in 1. or 2. above. "Named insured" means the individuals, partnerships or corporations designated in the Declarations. "Notice manager" means the natural persons in the offices of the chief executive officer, chief financial officer, general counsel, risk manager, human resources manager or any equivalent position to the foregoing, of an "Insured Entity". Z. "Policy period" means the period from the Effective Date to the Expiration Date set forth in the Declarations or any earlier cancellation date. AA."Private employment information" means any information regarding an "employee" or applicant for employment with the "insured entity", which is collected or stored by an "insured" for the purposes of establishing, maintaining or terminating an employment relationship. BB."Retaliation" means adverse treatment of an "employee" or "independent contractor" based upon such person: 1. exercising any rights under law, including, without limitation, rights under any workers compensation laws, the Family and Medical Leave Act, "ERISA", or the Americans with Disabilities Act; 2. refusing to violate any law; 3. assisting, testifying, or cooperating with a proceeding or investigation regarding alleged violations of law by any "insured"; X. Y. Form SL 55 02 10 18 Page 4 of 12 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM 4. disclosing or threatening to disclose alleged violations of law to a superior or to any governmental agency; or 5. filing any whistle blower claim against any "insured" under the federal False Claims Act, the Sarbanes-Oxley Act of 2002, or any similar law. CC."Stock benefits" means any offering, plan or agreement between an "insured entity" and any "employee" that grants stock, stock options or stock appreciation rights in the "insured entity" to such person, including, without limitation, restricted stock or any other stock grant. "Stock benefits" shall not include employee stock ownership plans or employee stock purchase plans. DD."Subsidiary" means any: 1. corporation in which and so long as the "named insured" owns or controls, directly or indirectly, more than 50% of the outstanding securities representing the right to vote for the election of the board of directors of such corporation; 2. limited liability company in which and so long as the "named insured" owns or controls, directly or indirectly, the right to elect, appoint or designate more than 50% of such entity's managing members; 3. a "controlled partnership"; 4. corporation operated as a joint venture in which and so long as the "named insured" owns or controls, directly or indirectly, exactly 50% of the issued and outstanding voting stock and which, pursuant to a written agreement with the owner(s) of the remaining issued and outstanding voting stock of such corporation, the "named insured" solely controls the management and operation of such corporation; or 5. foundation, charitable trust or political action committee in which and so long as such entity or organization is controlled by the "named insured" or any "subsidiary" as defined in 1. through 4. above. EE. "Wage and hour violation" means any actual or alleged violation of the duties and responsibilities that are imposed upon an "insured" by any federal, state or local law or regulation anywhere in the world, including but not limited to the Fair Labor Standards Act or any similar law (except the Equal Pay Act), which govern wage, hour and payroll practices. Such practices include but are not limited to: 1. the calculation and payment of wages, overtime wages, minimum wages and prevailing wage rates; 2. the calculation and payments of benefits; 3. the classification of any person or organization for wage and hour purposes; 4. reimbursing business expenses; 5. the use of child labor; or 6. garnishments, withholdings and other deductions from wages. FF. "Wrongful act" means any actual or alleged "employment practices wrongful act". SECTION III - EXCLUSIONS A. We shall not pay "Loss": 1. for bodily injury, sickness, disease, death, false arrest or imprisonment, abuse of process, malicious prosecution, trespass, nuisance or wrongful entry or eviction, or for injury to or destruction of any tangible property including loss of use or diminution of value thereof; provided, however, that this exclusion shall not apply to that portion of "loss" that directly results from mental anguish or emotional distress when alleged in connection with an otherwise covered "employment practices wrongful act"; 2. for any actual or alleged "wrongful act" by "insured persons" of any "subsidiary" in their capacities as such, or by any "subsidiary", if such "wrongful act" actually or allegedly occurred when such entity was not a "subsidiary"; 3. in connection with any "claim" based upon, arising from, or in any way related to any: a. prior or pending demand, suit, or proceeding against any "insured" as of, or b. audit initiated by the United States Office of Federal Contract Compliance Programs before, Form SL 55 02 10 18 Page 5 of 12 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM THE HARTFORD the effective date of the first Employment Practices Liability Coverage Part issued and continuously renewed by us, or the same or substantially similar fact, circumstance, or situation underlying or alleged in such demand, suit, proceeding, or audit; 4. in connection with any "claim" based upon, arising from, or in any way related to any fact, circumstance, or situation that, before the Effective Date in the Declarations, was the subject of any notice given under any other employment practices liability policy, management liability policy or other insurance policy which insures "wrongful acts" covered under this Coverage Part; 5. in connection with any "claim" based upon, arising from, or in any way related to the liability of others assumed by an "insured" under any contract or agreement; provided, however, this exclusion shall not apply to liability that would have been incurred in the absence of such contract or agreement; 6. for breach of any "independent contractor agreement"; or 7. for a lockout, strike, picket line, hiring of replacement workers or similar action in connection with any labor dispute, labor negotiation or collective bargaining agreement. B. We shall not pay "loss" in connection with any "claim" based upon, arising from, or in any way related to: 1. any claims for unpaid wages (including overtime pay), workers' compensation benefits, unemployment compensation, disability benefits, or social security benefits; 2. any actual or alleged violation of the Worker Adjustment and Retraining Notification Act, the National Labor Relations Act, the Occupational Safety and Health Act, the Consolidated Omnibus Budget Reconciliation Act of 1985, "ERISA", or any similar law; or 3. any "wage and hour Violation" Provided, however, that this exclusion B. shall not apply to that portion of "loss" that represents a specific amount the "insureds" become legally obligated to pay solely for a "wrongful act" of "retaliation". C. We shall not pay "loss" in connection with any "claim" based upon, arising from, or in any way related to liability incurred for breach of any oral, written, or implied employment contract; provided, however, that this exclusion shall not apply to liability that would have been incurred in the absence of such contract nor shall it apply to the portion of "loss" representing "claim expenses" incurred to defend against such liability. SECTION IV - DISCOVERY CLAUSE If, during the "policy period", the "insureds" become aware of a "wrongful act" that may reasonably be expected to give rise to a "claim", and, if written notice of such "wrongful act" is given to us during the "policy period", including the reasons for anticipating such a "claim", the nature and date of the "wrongful act", the identity of the "insureds" allegedly involved, the alleged injuries or damages sustained, the names of potential claimants, and the manner in which the "insureds" first became aware of the "wrongful act", then any "claim" subsequently arising from such "wrongful act" shall be deemed to be a "claim" first made during the "policy period" on the date that we receive the above notice. SECTION V - EXTENDED REPORTING PERIOD Subject to provisions A. through G. below, if this Coverage Part is canceled or non -renewed other than for non- payment of premium, you shall have the right to purchase an extended period to report "claims" under this Coverage Part for any "claim" first made during the period of time set forth in the Supplemental Extended Reporting Period Endorsement, and following the effective date of such cancellation or nonrenewal and reported in writing during such period or within sixty (60) days thereafter, but only with respect to any "wrongful act" which takes place prior to the effective date of such cancellation or nonrenewal. A. The Extended Reporting Period shall be effective only upon the payment of an additional premium. The additional premium will be 200% of the annual advance premium for this coverage. At the commencement of the Extended Reporting Period, the entire premium thereof shall be deemed fully earned and non-refundable. B. The quotation of a different premium or deductible or limit of liability for renewal is not a cancellation or refusal to renew for the purposes of this provision. Form SL 55 02 10 18 Page6of12 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM THE HARTFORD C. You shall have no right to purchase the Extended Reporting Period, unless you have satisfied all conditions of the Coverage Part and all premiums and deductibles outstanding have been paid. D. Your right to purchase the Extended Reporting Period shall terminate unless written notice together with full payment of the premium for the Extended Reporting Period is given to us no later than sixty (60) days following the effective date of cancellation or nonrenewal. E. The fact that the period of time to report "claims" is extended by virtue of the Extended Reporting Period shall not increase or reinstate the Limit of Liability stated in the Declarations. F. Extended Reporting Periods do not extend the "policy period" or change the scope of coverage provided. They apply only to "wrongful acts" that occur before the end of the "policy period". "Claims" for such injury which are first received within sixty (60) days after the "policy period", or during the Extended Reporting Period if in effect, will be deemed to have been made on the last date of the "policy period". G. Once in effect, Extended Reporting Periods may not be canceled by us. SECTION VI -COVERAGE TERRITORY Coverage under this Coverage Part applies worldwide, provided that the "claim" is made and any legal action is pursued within the Unites States, its territories, possessions or commonwealths, or Canada. SECTION VII - LIMITS OF LIABILITY AND DEDUCTIBLE A. The maximum we will pay for each "claim" under this Coverage Part is the Each Claim Limit of Liability stated in the Declarations, subject to the Annual Aggregate Limit of Liability stated in the Declarations. The maximum we will pay for all "claims" under this Coverage Part is the Annual Aggregate Limit of Liability stated in the Declarations, regardless of the number of "claims". If the applicable Limit of Liability for this Coverage Part is exhausted, the premium for this Coverage Part shall be deemed fully earned. "Claim expenses" shall be part of, and not in addition to, the Limits of Liability. Payment of "claim expenses" by us shall reduce each Limit of Liability. B. We shall pay "loss" in excess of the Deductible applicable to each "claim" as specified on the Declarations. C. All Deductibles shall be borne by the "insureds" at their own risk; they shall not be insured. D. The Deductible shall apply to "claim expenses" covered hereunder. If, any "claim expenses" are incurred by us prior to the "insured's" complete payment of the Deductible, then the "insureds" shall reimburse us therefor upon our request. E. No Deductible shall apply to "loss" incurred by any "insured person" that an "insured entity" is not permitted by common or statutory law to indemnify, or is permitted or required to indemnify, but is not able to do so by reason of "financial insolvency". F. If an "insured entity" is permitted or required by common or statutory law to indemnify an "insured person" for any "loss", or to advance "claim expenses" on their behalf, and does not do so other than because of "financial insolvency", then such "insured entity" and the "named insured" shall reimburse and hold us harmless for our payment or advancement of such "loss" up to the amount of the Deductible that would have applied if such indemnification had been made. G. If a "subsidiary" is unable to indemnify an "insured person" for any "loss", or to advance "claim expenses" on their behalf, because of "financial insolvency", then the "named insured" shall reimburse and hold us harmless for our payment or advancement of such "loss" up to the amount of the applicable Deductible that would have applied if such indemnification had been made. The Limit of Liability for this Coverage Part applies separately to each consecutive annual period and to any remaining period of less than twelve (12) months starting with the beginning of the "policy period" shown in the Declarations, unless the "policy period" is extended after issuance for an additional period of less than twelve (12) months. In that case, the additional period will be deemed part of the last preceding period for purposes of determining the Limit of Liability. Form SL 55 02 10 18 Page 7 of 12 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM THE HARTFORD SECTION VIII - DUTIES IN THE EVENT OF CLAIM; DEFENSE AND SETTLEMENT A. We shall have the right and duty to defend "claims" covered under this Coverage Part, even if such "claim" is groundless, false or fraudulent, provided that: 1. the "insureds" give notice to us in accordance with the applicable notice provisions; and 2. such "claim" does not involve allegations, in whole or in part, of a "wage and hour violation". For any "claim" involving allegations, in whole or in part, of a "wage and hour violation", it shall be the duty of the "insureds", and not our duty, to defend such "claim". B. If we have the duty to defend a "claim", our duty to defend such "claim" shall cease upon exhaustion of any applicable Limit of Liability. C. The "insureds" shall not admit or assume any liability, make any settlement offer or enter into any settlement agreement, stipulate to any judgment, or incur any "claim expenses" regarding any "claim" without our prior written consent, such consent not to be unreasonably withheld. We shall not be liable for any admission, assumption, settlement offer or agreement, stipulation, or "claim expenses" to which we have not consented. D. We shall have the right to associate ourself in the defense and settlement of any "claim" that appears reasonably likely to involve this Coverage Part. We may make any investigation we deem appropriate in connection with any "claim". We may, with the written consent of the "insureds", settle any "claim" for a monetary amount that we deem reasonable. E. The "insureds" shall give to us all information and cooperation as we may reasonably request. However, if we are, in our sole discretion, able to determine coverage for cooperating "insureds", the failure of one "insured person" to cooperate with us shall not impact coverage provided to cooperating "insureds". F. With respect to a covered "claim" for which we do not have the duty to defend, we shall advance "claim expenses" in accordance with Section VIII I. that we believe to be covered under this Coverage Part until a different allocation is negotiated, arbitrated or judicially determined. G. Required Notice to Us As a condition precedent to coverage under this Coverage Part, the "insureds" shall give us written notice of any "claim" as soon as practicable after a "notice manager" becomes aware of such "claim", but in no event later than: 1. if this Coverage Part expires or is otherwise terminated without being renewed with us, ninety (90) days after the effective date of said expiration or termination; or 2. subject to SECTION V, the expiration of the Extended Reporting Period, if applicable; provided, however, that if the Coverage Part is cancelled for non-payment of premium, the "insured" will give us written notice of such "claim", prior to the effective date of cancellation. However, with regard to any "employment practices claim" which is brought as a formal administrative or regulatory proceeding, including, without limitation, a proceeding before the Equal Employment Opportunity Commission or similar governmental agency, commenced by the filing of a notice of charges, formal investigative order or similar document, as a condition precedent to coverage under this Coverage Part the "insureds" shall give us written notice of any "claim" as soon as practicable after a "notice manager" becomes aware of such "claim", but in no event later than: 3. if this Coverage Part is renewed, no more than 180 days after a "notice manager" becomes aware of such "claim"; or 4. if this Coverage Part expires or is otherwise terminated without being renewed with us, ninety (90) days after the effective date of said expiration or termination; or 5. subject to SECTION V, the expiration of the Extended Reporting Period, if applicable; provided, if the Coverage Part is cancelled for non-payment of premium, the "insured" will give us written notice of such "claim", prior to the effective date of cancellation. Form SL 55 02 10 18 Page 8 of 12 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM THE HARTFORD H. Subrogation 1. We shall be subrogated to all of the "insureds' rights of recovery regarding any payment of "loss" by us under this Coverage Part. The "insureds" shall execute all papers required and do everything necessary to secure and preserve such rights, including the execution of any documents necessary to enable us to effectively bring suit in the name of the "insureds". The "insureds" shall do nothing to prejudice our position or any potential or actual rights of recovery. 2. We shall not exercise our rights of subrogation against an "insured person" under this Coverage Part unless such "insured person" has: a. obtained any personal profit, remuneration or advantage to which such "insured person" was not legally entitled, or b. committed a criminal or deliberately fraudulent act or omission or any willful violation of law, if a judgment or other final adjudication establishes such personal profit, remuneration, advantage, act, omission, or violation. I. Allocation Where "insureds" who are afforded coverage for a "claim" incur an amount consisting of both "loss" that is covered by this Coverage Part and also loss that is not covered by this Coverage Part, because such "claim" includes both covered and uncovered matters, then coverage shall apply as follows: 1. with respect to a covered "claim" for which we have the duty to defend: a. 100% of the "insured's" "claim expenses" shall be allocated to covered "loss"; and b. All other "loss" shall be allocated between covered "loss" and non -covered loss based upon the relative legal exposure of all parties to such matters. 2. with respect to a covered "claim" for which we do not have the duty to defend, all "loss" shall be allocated between covered "loss" and non -covered loss based upon the relative legal exposure of all parties to such matters. SECTION IX - CONDITIONS A. Coverage Part Priority; Headings If any provision in this Coverage Part is inconsistent or in conflict with the terms and conditions of any provisions in this Policy, the terms and conditions of this Coverage Part shall control only for purposes of determining coverage hereunder. The headings of the various sections of this Coverage Part are intended for reference only and shall not be part of the terms and conditions of coverage. B. Notice Addresses 1. All notices to the "insureds" shall be sent to the first "named insured" at the address specified in the Declarations. 2. All notices to us shall be sent to the address specified in the Declarations. Any such notice shall be effective upon receipt by us at such address. C. Spousal/Domestic Partner Liability Coverage Coverage shall apply to the lawful spouse or "domestic partner" of an "insured person" for a "claim" made against such spouse or "domestic partner", provided that: 1. such "claim" arises solely out of: a. such person's status as the spouse or "domestic partner" of an "insured person"; or b. such spouse or "domestic partner's" ownership of property sought as recovery for a "wrongful act"; 2. the "insured person" is named in such "claim" together with the spouse or "domestic partner"; and 3. coverage of the spouse or "domestic partner" shall be on the same terms and conditions, including any applicable Deductible , that applies to coverage of the "insured person" for such "claim". No coverage shall apply to any "claim" for a "wrongful act" of such spouse or "domestic partner". Form SL 55 02 10 18 Page 9of12 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM THE HARTFORD D. Estates and Legal Representatives In the event of the death, incapacity or bankruptcy of an "insured person", any "claim" made against the estate, heirs, legal representatives or assigns of such "insured person" for a "wrongful act" of such "insured person" shall be deemed to be a "claim" made against such "insured person". No coverage shall apply to any "claim" for a "wrongful act" of such estate, heirs, legal representatives or assigns. E. Minimum Standards In the event that there is an inconsistency between: 1. the terms and conditions that are required to meet minimum standards of a state's law (pursuant to a state amendatory endorsement attached to this Coverage Part ), and 2. any other term or condition of this Coverage Part, it is understood and agreed that, where permitted by law, we shall apply those terms and conditions of 1. or 2. above that are more favorable to the "insured". F. Other Insurance 1. The coverage provided under this Coverage Part for any "employment practices claim" shall be primary. 2. Notwithstanding the above, the coverage provided under this Coverage Part for any "employment practices claim" made against a temporary, leased or loaned "employee" or an "independent contractor" shall be excess of the amount of any deductible, retention and limits of liability under any other policy or policies applicable to such "claim", whether such other policy or policies are stated to be primary, contributory, excess, contingent or otherwise, unless such other insurance is written specifically excess of this Policy by reference in such other policy or policies to this Policy's Policy number. G. Interrelationship of Claims All "claims" based upon, arising from or in any way related to the same "wrongful act" or "interrelated wrongful acts" shall be deemed to be a single "claim" for all purposes under this Coverage Part first made on the earliest date that 1. any of such "claims" was first made, regardless of whether such date is before or during the "policy period"; 2. notice of any "wrongful act" described above was given to us under this Coverage Part pursuant to Sections IV or VIII; or 3. notice of any "wrongful act" described above was given under any prior insurance policy. H. Deductible Waiver Regarding a "claim" that is a class action civil proceeding, no Deductible shall apply to "claim expenses" incurred in connection with such "claim", and we shall reimburse the "insureds" for any covered "claim expenses" paid by the "insureds" within the Deductible otherwise applicable to such "claim", if a: 1. final adjudication with prejudice pursuant to a trial, motion to dismiss or motion for summary judgment; or 2. complete and final settlement with prejudice; establishes that none of the "insureds" in such "claim" are liable for any "loss". I. Application 1. The "insureds" represent that the Declarations and statements contained in the "application" are true, accurate and complete. This Coverage Part is issued in reliance upon the "application". 2. If the "application" contains intentional misrepresentations or misrepresentations that materially affect the acceptance of the risk by us no coverage shall be afforded under this Coverage Part for any "insureds" who knew on the Effective Date of this Coverage Part of the facts that were so misrepresented, provided that a. knowledge possessed by any "insured person" shall not be imputed to any other "insured person"; and b. knowledge possessed by any of your chief executive officer, general counsel, chief financial officer, human resources director or any position equivalent to the foregoing of the "named insured", or anyone signing the "application", shall be imputed to all "insured entities". No other person's knowledge shall be imputed to an "insured entity". Form SL 55 02 10 18 Page 10 of 12 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM THE HARTFORD J. Changes in Exposure 1. Acquisitions or Created Subsidiaries If, before or during the "policy period", any "insured entity" acquires or creates a "subsidiary", then such acquired or created entity and its subsidiaries, and any natural persons that would qualify as "insured persons" thereof, shall be "insureds" to the extent such entities and persons would otherwise qualify as "insureds" under this Coverage Part„ but only for "wrongful acts" occurring after such acquisition or creation. No coverage shall be available for any "wrongful act" of such "insureds" occurring before such acquisition or creation, or for any "interrelated wrongful acts" thereto. However, if the fair value of the assets of any such acquired or created entity exceed 25% of the total assets of the "named insured" as reflected in its most recent consolidated financial statements prior to such acquisition or creation, then, as a condition precedent to coverage hereunder, the "insureds" shall give us written notice and full, written details of the acquisition or creation as soon as practicable (but, in all cases, within ninety (90) days of such acquisition or creation). There shall be no coverage under any renewal or replacement of this Coverage Part for any such new "subsidiary" and its subsidiaries, and any natural persons that would qualify as "insured persons" thereof, unless the "insureds" comply with the terms of this provision. 2. Mergers If, before or during the "policy period", any "insured entity" merges with another entity such that the "insured entity" is the surviving entity, then such merged entity and its subsidiaries, and any natural persons that would qualify as "insured persons" thereof, shall be "insureds" to the extent such entities and persons would otherwise qualify as "insureds" under this Coverage Part, but only for "wrongful acts" occurring after such merger. No coverage shall be available for any "wrongful act" of such "insureds" occurring before such merger or for any "interrelated wrongful acts" thereto. However, if the fair value of the assets of any newly merged entity exceed 25% of the total assets of the "named insured" as reflected in its most recent consolidated financial statements prior to such merger, then, as a condition precedent to coverage hereunder, the "insureds" shall give us written notice and full, written details of the merger as soon as practicable (but, in all cases, within ninety (90) days of such merger). There shall be no coverage under any renewal or replacement of this Coverage Part for any newly merged entity or any of its subsidiaries, and any natural persons that would qualify as "insured persons" thereof, unless the "insureds" comply with the terms of this provision. 3. Takeover of Named Insured If, before or during the "policy period": a. the "named insured" merges into or consolidates with another entity such that the "named insured" is not the surviving entity; or b. more than 50% of the securities representing the right to vote for the "named insured's" board of directors or managers is acquired by another person or entity, group of persons or entities, or persons and entities acting in concert, then coverage shall continue under this Coverage Part, but only for "wrongful acts" occurring before any such transaction. No coverage shall be available for any "wrongful act" occurring after such transaction. Upon such transaction, this Coverage Part shall not be cancelled and the entire premium for this Coverage Part shall be deemed fully earned. The "insured" shall give us written notice and full, written details of such transaction as soon as practicable (but, in all cases, within ninety (90) days of such transaction). If any transaction described herein occurs, then we will not be obligated to offer any renewal or replacement of this Coverage Part. 4. Loss of Subsidiary Status If, before or during the "policy period", any entity ceases to be a "subsidiary", then coverage shall be available under this Coverage Part for such "subsidiary" and its "insured persons", but only for a "wrongful act" of such "insureds" occurring before such transaction. No coverage shall be available for any "wrongful act" of such "insureds" occurring after such transaction. Form SL 55 02 10 18 Page 11 of 12 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM THE HARTFORD K. References To Laws 1. Wherever this Coverage Part mentions any law, including, without limitation, any statute, Act or Code of the United States, such mention shall be deemed to include all amendments of, and all rules or regulations promulgated under, such law. 2. Wherever this Coverage Part mentions any law or laws, including, without limitation, any statute, Act or Code of the United States, and such mention is followed by the phrase "or any similar law", such phrase shall be deemed to include all similar laws of all jurisdictions throughout the world, including, without limitation, statutes and any rules or regulations promulgated under such statutes as well as common law. L. Action Against Us 1. No action shall be taken against us unless there shall have been full compliance with all the terms and conditions of this Coverage Part. 2. No person or organization shall have any right under this Coverage Part to join us as a party to any "claim" against the "insureds" nor shall we be impleaded by the "insureds" in any such "claim". M. Entire Agreement This Coverage Part, the "application" and any written endorsements attached hereto, along with the Declarations constitute the entire agreement between you and us relating to this Coverage Part's insurance. N. Bankruptcy or Insolvency Bankruptcy or insolvency of any "insureds" shall not relieve us of any of our obligations under this Coverage Part. O. Authorization of First Named Insured The first "named insured" shall act on behalf of all "Insureds" with respect to all matters under this Coverage Part, including, without limitation, giving and receiving of notices regarding "claims", cancellation, election of the Extended Reporting Period, payment of premiums, receipt of any return premiums, and acceptance of any endorsements to this Coverage Part. P. When We Do Not Renew 1. If we decide not to renew this Coverage Part, we will mail or deliver to the first "named insured" shown in the Declarations written notice of the nonrenewal not less than thirty (30) days before the expiration date. 2. If notice is mailed, proof of mailing will be sufficient proof of notice. 3. Any state amendatory endorsement changing Nonrenewal Conditions for any part of this Policy shall also apply to this Coverage Part. Form SL 55 02 10 18 Page 12 of 12 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD COLORADO CHANGES - EMPLOYMENT PRACTICES LIABILITY This endorsement modifies insurance provided under the following: EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM The first paragraph of SECTION V — EXTENDED REPORTING PERIOD is deleted and replaced by the following: Subject to provision A. through G. below, if this Coverage Part is canceled or non -renewed, you shall have the right to purchase an extended period to report "claims" under this Coverage Part for any "claim" first made during the period of time set forth in the Supplemental Extended Reporting Period Endorsement, and following the effective date of such cancellation or nonrenewal and reported in writing during such period or within sixty (60) days thereafter, but only with respect to any "wrongful act" which takes place prior to the effective date of such cancellation or nonrenewal. II. SECTION IX - CONDITIONS is amended to add the following Condition: The Insured's Right to Claim and Wrongful Act Information 1. We will provide the "named insured", upon request and within thirty (30) days thereafter, sufficient information about closed or paid "claims", "claims" for which we have established reserves, and "claims" for which we have received notices of "wrongful acts" that could give rise to "claims". This will allow the "insured" to determine how much coverage is available under this Coverage Part. 2. We compile "claim" and "wrongful act" information for our own business purposes and exercise reasonable care in doing so. In providing this information to the "named insured", we make no representations or warranties to "insureds", insurers or others to whom this information is furnished by or on behalf of the "insured". Cancellation or nonrenewal will be effective even if we provide inaccurate information or fail to provide the information. Form SL 55 26 10 18 Page 1 of 1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. WAGE AND HOUR CLAIMS EXPENSES - EMPLOYMENT PRACTICES LIABILITY This endorsement modifies insurance provided under the following: EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM Exclusion B. in SECTION III - EXCLUSIONS is deleted and replaced by the following: B. We shall not pay "loss" in connection with any "claim" based upon, arising from, or in any way related to: 1. any claims for unpaid wages (including overtime pay), workers' compensation benefits, unemployment compensation, disability benefits, or social security benefits; 2. any actual or alleged violation of the Worker Adjustment and Retraining Notification Act, the National Labor Relations Act, the Occupational Safety and Health Act, the Consolidated Omnibus Budget Reconciliation Act of 1985, "ERISA", or any similar law; or 3. any "wage and hour violation". Provided, however, that this Exclusion B. shall not apply to that portion of "loss" that represents: a. a specific amount the "insureds" become legally obligated to pay solely for a "wrongful act" of "retaliation"; or b. "Claims expenses" incurred to defend a "wage and hour violation" referenced in sub -paragraph 3. above subject to a Sub -Limit of Liability of $25,000 that is part of, and not in addition to, the Limits of Liability applicable to this Coverage Part (the Wage and Hour Defense Costs Sub -Limit). Moreover: 1. SECTION VIII.I.2. of this Coverage Part notwithstanding, 100% of the "insured's" "claims expenses" covered pursuant to this sub -paragraph b. shall be allocated to covered "loss" until the Wage and Hour Defense Costs Sub -Limit is exhausted. Once the Wage and Hour Defense Costs Sub -Limit is exhausted, allocation shall continue in accordance with SECTION VIII.I.2.; 2. the Wage and Hour Defense Costs Sub -Limit is available notwithstanding the fact that a "wage and hour violation" is not an "employment practices wrongful act"; and 3. the Wage and Hour Defense Costs Sub -Limit is only available for "claim expenses" incurred to defend a "wage and hour violation" that occurred on or after the "retroactive date" and before the end of the "policy period", regardless of whether any such "claim" for a "wage and hour violation" is made during the "policy period" or the Extended Reporting Period, if applicable. All other terms and conditions of this Coverage Part remain unchanged. Form SL 55 3410 18 Page 1 of 1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. HARTFORD THIRD PARTY LIABILITY ENDORSEMENT - EMPLOYMENT PRACTICES LIABILITY This endorsement modifies insurance provided under the following: EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM SECTION I - INSURING AGREEMENT of this Coverage Part is amended to include the following: Third Party Liability We shall pay "loss" on behalf of the "insureds" resulting from a "third party claim" first made against the "insureds" during the "policy period" or the Extended Reporting Period, if applicable, for a "third party wrongful act" by the "insureds." II. SECTION II - DEFINITIONS of this Coverage Part is amended in the following manner: A. The definition of "claim" is amended to include the following: "Claim" also means any "third party claim". B. The definition of "wrongful act" is amended to include the following: "Wrongful act" also means any actual or alleged "third party wrongful act". C. The following definitions are added: "Third party" means any natural person who is a customer, vendor, service provider or other business invitee of an "insured entity". "Third party" shall not include "employees". "Third party claim" means any: 1. written demand for monetary damages or other civil non -monetary relief commenced by the receipt of such demand; 2. civil proceeding, including an arbitration or other alternative dispute resolution proceeding, commenced by the service of a complaint, filing of a demand for arbitration, or similar pleading; or 3. Formal administrative or regulatory proceeding commenced by the filing of a notice of charges, formal investigative order or similar document; by or on behalf of a "third party". "Third party claim" also means a written request to the "insureds" to toll or waive a statute of limitations regarding a potential "third party claim" as described above. Such "claim" shall be commenced by the receipt of such request. "Third party wrongful act" means: 1. discrimination against a "third party" based upon age, gender, race, color, national origin, religion, creed, marital status, sexual orientation or preference, pregnancy, disability, HIV or other health status, Vietnam Era Veteran or other military status, or other protected status established under federal, state or local law; or 2. sexual harassment or other harassment of a "third party", including unwelcome sexual advances, requests for sexual favors or other conduct of a sexual nature. III. The following exclusion is added to SECTION III - EXCLUSIONS: We shall not pay "loss" in connection with any "third party claim" based upon, arising from or in any way related to any price discrimination or violation of any anti-trust law or any similar law designed to protect competition or prevent unfair trade practices. All other terms and conditions of this Coverage Part remain unchanged. Form SL 55 36 10 18 Page 1 of 1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD RETROACTIVE DATE ENDORSEMENT - EMPLOYMENT PRACTICES LIABILITY This endorsement modifies insurance provided under the following: EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM I. SECTION I - INSURING AGREEMENT of this Coverage Part is amended to include the following: This Coverage Part applies only to "claims" for "wrongful acts" that occurred on or after the "retroactive date" set forth in the Declarations and before the end of the "policy period", regardless of whether such "claim" is made during the "policy period" or the Extended Reporting Period, if applicable. II. The following definition is added to SECTION II - DEFINITIONS of this Coverage Part: "Retroactive date" means the date specified in the Declarations. If no date is specified, the "retroactive date" will be the same as the Effective Date of this Coverage Part. All other terms and conditions of this Coverage Part remain unchanged. Form SL 55 37 10 18 Page 1 of 1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD COLORADO CHANGES - EMPLOYMENT PRACTICES LIABILITY Wherever "insured" or "named insured" is defined in the Coverage Part to include a spouse or any other term that denotes the spousal relationship of the "insured" or "named insured", it is amended to include a partner in a civil union or party to a civil union. All other terms and conditions remain unchanged. Form SL 55 39 10 18 Page 1 of 1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD IMPORTANT NOTICE TO POLICYHOLDERS - COLORADO DISCLOSURE NOTICE CLAIMS MADE COVERAGE PART (EMPLOYMENT PRACTICES LIABILITY) POLICY NUMBER: 10 SBA AS2FZM This endorsement modifies insurance provided under the following: EMPLOYMENT PRACTICES LIABILITY THIS DISCLOSURE FORM IS NOT YOUR POLICY. IT MERELY DESCRIBES SOME OF THE MAJOR FEATURES OF OUR CLAIMS MADE COVERAGE PART. 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. You are receiving this notice because your Spectrum Policy contains a claims made Coverage Part listed above. Claims made coverage applies only to claims made against you after the inception date and before the end of the policy period involving injury or damage that occurs after the Coverage Part Retroactive Date. When claims made coverage is terminated an Extended Reporting Period may be available. HOW IS OCCURRENCE DIFFERENT FROM CLAIMS MADE? There is no difference in the kinds of injury and damage covered by either an "occurrence" policy or a "claims made" policy. However, claims for damages may be assigned to different policy periods depending on which coverage (occurrence or claims made) applies. With "occurrence" coverage, coverage is provided for injury or damage that occurs during the policy period, no matter when the claim is made. With "claims made" coverage, coverage is provided if the claim for injury or damage is first made during the policy period. The claim must be a demand for damages by a third party but it does not have to be in writing. Usually, a claim is made when it is received and recorded by you or by us. Sometimes, however, a claim may be considered made at an earlier time. This can happen when another claim for the same injury or damage has already been made, or when the claim is received and recorded during an extended reporting period. PRINCIPAL BENEFITS AND COVERAGE This Coverage Part provides coverage for errors or omissions injury up to the maximum dollar limit specified in the Coverage Part. The principal benefits and coverage are explained in detail in your claims made Coverage Part. Please read it carefully and consult your agent about any questions you may have. EXCEPTIONS, REDUCTIONS AND LIMITATIONS Your claims made Coverage Part contains certain exceptions, reductions and limitations. Please read them carefully and consult your agent about any questions you might have. RENEWALS, TAILS AND EXTENDED REPORTING PERIODS Your claims made Coverage Part has some unique features regarding renewal, extended reporting periods, and coverage of occurrences which happen over a period of time. These special claims made provisions are described below: Special "Claims Made" Provisions Two concepts relating to continuation of coverage under the "claims made" policy are especially important to understand. These are the Retroactive Date and the Extended Reporting Period. Form SL 55 63 10 18 Page 1 of 2 Process Date: 03/11/2025 © 2018, The Hartford Policy Expiration Date: 04/20/2026 (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE'=' HARTFORD Retroactive Date When you have a Retroactive Date shown on the Declarations page, there is no coverage for injury or damage that occurred before the Retroactive Date, even if the claim is first made during the policy period. If there is no Retroactive Date entered on the Declarations page, the policy will respond only to claims first made during the policy period for covered injury or damage, no matter when the injury or damage occurred. If there is no Retroactive Date shown on the Declarations page, the policy will provide coverage only for claims first made during the policy period for a covered injury or damage, no matter when the injury or damage happened. 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. When replacing a claims -made policy with a claims -made policy, you should consider the following: a. The retroactive date in the replacement policy should extend far enough back in time to cover any events with long periods of liability exposure; or 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 coverage under the old claims -made policy. Usually, a Retroactive Date cannot be moved ahead in time, except under certain circumstances (e.g., you changed insurers; there is a substantial change in your operations that increases your potential for loss; you did not provide us with information you knew about in relation to the nature of your business or premises), and then only with your written consent. It is important to understand how the "claims made" policy's Extended Reporting Period provides continuity of coverage if you are offered a renewal or replacement policy with a Retroactive Date that is later than the one in your current policy. EXTENDED REPORTING PERIODS OR "TAILS" WARNING: If a claim is made after your claims made Coverage Part has terminated, you may not have coverage for that claim unless you purchase an Extended Reporting Period or "tail" endorsement, which must be offered to you with at least the aggregate limits provided for that coverage on your terminated Coverage Part, for a least one year, at a premium not to exceed 200% of your terminated Coverage Part premium. CAREFULLY REVIEW THE POLICY PROVISIONS REGARDING THE AVAILABLE EXTENDED REPORTING PERIOD, ESPECIALLY THE LENGTH OF COVERAGE, PRICE, AND THE TIME DURING WHICH YOU MUST PURCHASE OR ACCEPT ANY OFFERRED EXTENDED REPORTING PERIOD. AVAILABILITY OF LOSS INFORMATION Upon your written request and within 30 days thereafter, we will furnish you: a. Information on closed claims as respects the date of claim and the amount(s) paid, if any; and b. Information on open claims as respects the date of claim and the amount of reserve, if any. Amounts reserved are based on our judgment. They are subject to change and should not be considered as ultimate settlement values. Thank you for your assistance. Should you have any questions, please contact your Hartford agent, broker or representative. Form SL 55 63 10 18 Page 2 of 2 Process Date: 03/11/2025 © 2018, The Hartford Policy Expiration Date: 04/20/2026 (May include copyrighted material of Insurance Services Office, Inc., with its permission) THE HARTFORD UMBRELLA LIABILITY SUPPLEMENTAL POLICY UMBRELLA LIABILITY SUPPLEMENTAL POLICY READ YOUR POLICY CAREFULLY QUICK REFERENCE Beginning on Page A. COVERAGES 1. Umbrella Liability Insurance 2. Exclusions B. INVESTIGATION, DEFENSE, SETTLEMENT C. WHO IS AN INSURED D. LIMITS OF INSURANCE E. CONDITIONS 1. Premium 2. Inspection And Audit 3. Duties In The Event Of Occurrence, Claim Or Suit 4. Assistance And Cooperation Of The Insured 5. Legal Action Against Us 6. Appeals 7. Other Insurance 8. Transfer Of Rights Of Recovery Against Others To Us 9. Changes 10. Separation Of Insureds 11. Maintenance Of Underlying Insurance 12. Cancellation 13. Nonrenewal 14. Workers' Compensation Agreement 15. Bankruptcy Or Insolvency of Insured 16. Representations Or Fraud 8 8 10 11 11 11 11 12 12 12 13 13 14 14 14 14 15 15 15 15 F. DEFINITIONS 15 Form SU 00 00 12 19 © 2019, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THE HARTFORD UMBRELLA LIABILITY SUPPLEMENTAL POLICY In this Supplemental Policy the words "you" and "your" refer to the Named Insured first shown in the Supplemental Policy Declarations and any other person or organization qualifying as a Named Insured under this Supplemental Policy. The words "we", "us" and "our" refer to the insurance company shown in the Supplemental Policy Declarations. Other words and phrases that appear in quotation marks also have special meanings. Refer to Section F. DEFINITIONS. IN RETURN FOR THE PAYMENT OF THE PREMIUM and in reliance upon the statements in the Supplemental Policy Declarations made a part hereof, and subject to all of the terms of this Supplemental Policy we agree with you as follows: A. COVERAGES 1. Umbrella Liability Insurance Insuring Agreement a. We will pay those sums that the "insured" becomes legally obligated to pay as "damages" in excess of the "underlying insurance" or of the "self -insured retention" when no "underlying insurance" applies, because of "bodily injury", "property damage" or "personal and advertising injury" to which this insurance applies caused by an "occurrence". But, the amount we will pay as "damages" is limited as described in Section D. LIMITS OF INSURANCE. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Section B. INVESTIGATION, DEFENSE, SETTLEMENT. b. This insurance applies to "bodily injury", "property damage" or "personal and advertising injury" only if: (1) The "bodily injury" or "property damage" occurs during the "policy period", or the "personal and advertising injury" is caused by an offense committed during the "policy period"; and (2) Prior to the "policy period", no "insured" listed under Paragraph 1. of Section C. WHO IS AN INSURED and no "employee" authorized by you to give or receive notice of an "occurrence" or claim, knew that the "bodily injury" or "property damage" had occurred, in whole or in part. If such a listed "insured" or authorized "employee" knew, prior to the "policy period", that the "bodily injury" or "property damage" occurred, then any continuation, change or resumption of 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 have been known to have occurred at the earliest time when any "insured" listed under Paragraph 1. of Section C. WHO IS AN INSURED or any "employee" authorized by you to give or receive notice of an "occurrence" or claim: (1) Reports all, or any part, of the "bodily injury" or "property damage" to us or any other insurer; (2) Receives a written or verbal demand or claim for "damages" because of the "bodily injury" or "property damage"; or (3) Becomes aware by any other means that "bodily injury" or "property damage" has occurred or has begun to occur. 2. Exclusions This Supplemental Policy does not apply to: a. Pollution Any obligation: (1) To pay for the cost of investigation, defense or settlement of any claim or "suit" against any "insured" alleging actual or threatened injury or damage of any nature or kind to persons or property which arises out of or would not have occurred but for the "pollution hazard"; or (2) To pay any "damages", judgments, settlements, loss, costs or expenses that may be awarded or incurred: (a) By reason of any such claim or "suit" or any such injury or damage; or (b) In complying with any action authorized by law and relating to such injury or damage. Form SU 00 00 12 19 Page 1 of 18 © 2019, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THE" HARTFORD EXCEPTION This exclusion does not apply: (a) To "bodily injury" to any of your "employees" arising out of and in the course of their employment by you; or (b) To injury or damage as to which valid and collectible "underlying insurance" with at least the minimum limits shown in the Extension Schedule Of Underlying Insurance is in force and applicable to the "occurrence". In such event, any coverage afforded by this Supplemental Policy for the "occurrence" will be subject to the pollution exclusions of the "underlying insurance" and to the conditions, limits and other provisions of this Supplemental Policy. But, in the event that such valid and collectable "underlying insurance" is not maintained with limits of liability as set forth in the Extension Schedule Of Underlying Insurance, this Exception (b) does not apply. (c) Exception (b) also does not apply to "bodily injury" or "property damage" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of "pollutants": (i) That are, or that are contained in any property that is: (aa) Being transported or towed by, or handled for movement into, onto or from, any "auto"; (bb) Otherwise in the course of transit by or on behalf of the "insured"; or (cc) Being stored, disposed of, treated or processed in or upon any "auto"; (ii) Before the "pollutants" or any property in which the "pollutants" are contained are moved from the place where they are accepted by the "insured" for movement into or onto any "auto"; or (iii) After the "pollutants" or any property in which the "pollutants" are contained are moved from any "auto" to the place where they are finally delivered, disposed of or abandoned by the "insured". (d) Paragraph (i) above does not apply to fuels, lubricants, fluids, exhaust gases or other similar "pollutants" that are needed for or result from the normal electrical, hydraulic or mechanical functioning of an "auto", covered by the "underlying insurance" or its parts, if: (i) The "pollutants" escape, seep, migrate, or are discharged or released directly from an "auto" part designed by its manufacturer to hold, store, receive or dispose of such "pollutants"; and (ii) The "bodily injury", "property damage" or "covered pollution cost or expense" does not arise out of the operation of any equipment listed in Paragraphs f.(2) or f.(3). of the definition of "mobile equipment". (e) Paragraphs (c)(ii) and (c)(iii) above do not apply to "accidents" that occur away from premises owned by or rented to an "insured" with respect to "pollutants" not in or upon an "auto" covered by the "underlying insurance" if: (i) The "pollutants" or any property in which the "pollutants" are contained are upset, overturned or damaged as a result of the maintenance or use of the "auto"; and (ii) The discharge, dispersal, seepage, migration, release or escape of the "pollutants" is caused directly by such upset, overturn or damage. b. Workers' Compensation And Similar Laws Any obligation of the "insured" under a workers' compensation, disability benefits or unemployment compensation law or any similar law. Contractual Liability Liability assumed by the "insured" under any contract or agreement with respect to an "occurrence" taking place before the contractor agreement is executed. d. Personal And Advertising Injury "Personal and advertising injury". (1) EXCEPTION This exclusion does not apply to the extent that coverage for such "personal and advertising injury" is provided by "underlying insurance", but in no event shall any "personal and advertising injury" coverage Form SU 00 00 12 19 Page 2 of 18 © 2019, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) provided under this Supplemental Policy apply to any claim or "suit" to which "underlying insurance" does not apply. This EXCEPTION applies only to the extent that such coverage provided by the "underlying insurance" is maintained having limits as set forth in the Schedule Of Underlying Insurance. When this EXCEPTION applies, the insurance provided under this Supplemental Policy for "personal and advertising injury" will follow the same provisions, exclusions and limitations that are contained in the applicable "underlying insurance", unless otherwise directed by this insurance. This EXCEPTION does not apply to: (a) Aircraft (Unmanned Aircraft) "Personal and advertising injury" arising out of the ownership, maintenance, use or entrustment to others of any aircraft that is an "unmanned aircraft". Use includes operation and "loading or unloading". This exclusion applies even if the claims against any "insured" allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that "insured", if the "personal and advertising injury" arises out of the ownership, maintenance, use or entrustment to others of any aircraft that is an "unmanned aircraft". However, this Paragraph (a) does not apply if the only allegation in the claim or "suit" involves an intellectual property right which is limited to: (i) Infringement, in your "advertisement", of: (aa) Copyright; (bb) Slogan; or (cc) Title of any literary or artistic work; or (ii) Copying, in your "advertisement", a person's or organization's "advertising idea" or style of "advertisement"; or (b) Access Or Disclosure Of Confidential Or Personal Information "Personal and advertising injury" arising out of any access to or disclosure of any person's or organization's confidential or personal information, including patents, trade secrets, processing methods, customer lists, financial information, credit card information, health information or any other type of nonpublic information. This exclusion applies even if damages are claimed for notification costs, credit monitoring expenses, forensic expenses, public relations expenses or any other loss, cost or expense incurred by you or others arising out of any access to or disclosure of any person's or organization's confidential or personal information. Underlying Insurance The amount of any injury or damage: (1) Covered by "underlying insurance" but for any defense which any underlying insurer may assert because of the "insured's" failure to comply with any condition of its coverage part, policy, or endorsement; or (2) For which damages would have been payable by "underlying insurance" but for the actual or alleged insolvency or financial impairment of an underlying insurer. f. Aircraft (Other Than Unmanned Aircraft) (1) "Bodily injury" or "property damage" arising out of the ownership, operation, maintenance, use, entrustment to others, or "loading or unloading" of any aircraft (other than "unmanned aircraft"): (a) Owned by any "insured"; or (b) Chartered or loaned to any "insured". This exclusion applies even if the claims allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by an "insured", if the "bodily injury" or "property damage" arises out of the ownership, maintenance, use or entrustment to others of any aircraft (other than "unmanned aircraft") that is owned or operated by or rented or loaned to any "insured". Form SU 00 00 12 19 Page 3 of 18 © 2019, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THE HARTFORD (2) This exclusion does not apply to aircraft (other than "unmanned aircraft") that is: (a) Hired, chartered or loaned with a paid crew; but (b) Not owned by any "insured". (3) This exclusion does not apply to "bodily injury" to any of your "employees" arising out of and in the course of their employment by you. g. Aircraft (Unmanned Aircraft) "Bodily injury" or "property damage" arising out of the ownership, maintenance, use or entrustment to others of any aircraft that is an "unmanned aircraft". Use includes operation and "loading or unloading". This exclusion applies even if the claims against any "insured" allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that "insured", if the "bodily injury" or "property damage" arises out of the ownership, maintenance, use or entrustment to others of any aircraft that is an "unmanned aircraft". h. Watercraft "Bodily injury" or "property damage" arising out of the ownership, operation, maintenance, use, entrustment to others, "loading or unloading" of any watercraft. This exclusion applies even if the claims allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by an "insured", if the "bodily injury" or "property damage" arises out of the ownership, maintenance, use or entrustment to others, of any watercraft that is owned or operated by or rented or loaned to, any "insured". This exclusion does not apply to: (1) Watercraft you do not own that is: (a) Less than 51 feet long; and (b) Not being used to carry persons or property for a charge; (2) "Bodily injury" to any of your "employees" arising out of and in the course of their employment by you; or (3) Any watercraft while ashore on premises owned by, rented to or controlled by you. i. War Any injury or damage, however caused, arising, directly or indirectly, out of: (1) War, including undeclared or civil war; (2) Warlike action by a military force, including action in hindering or defending against an actual or expected attack by any government, sovereign or other authority using military personnel or other agents; or (3) Insurrection, rebellion, revolution, usurped power, or action taken by governmental authority in hindering or defending against any of these. j. Damage To Property "Property damage" to property you own. k. Damage To Your Product "Property damage" to "your product" arising out of it or any part of it. I. Damage To Your Work "Property damage" to "your work" arising out of it or any part of it and included in the "products -completed operations hazard". This exclusion does not apply if the damaged work or the work out of which the damage arises was performed on your behalf by a subcontractor. m. Damage To Impaired Property Or Property Not Physically Injured "Property damage" to "impaired property" or property that has not been physically injured arising out of: (1) A defect, deficiency, inadequacy or dangerous condition in "your product" or "your work"; or (2) A delay or failure by you or anyone acting on your behalf to perform a contract or agreement in accordance with its terms. Form SU 00 00 12 19 Page 4 of 18 © 2019, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THE' HARTFORD This exclusion does 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. Recall Of Products, Work Or Impaired Property Damages claimed for any loss, cost or expense incurred by you or others for the loss of use, withdrawal, recall, inspection, repair, replacement, adjustment, removal or disposal of: (1) "Your product"; (2) "Your work"; or (3) "Impaired property"; if such product, work or property is withdrawn or recalled from the market or from use by any person or organization because of a known or suspected defect, deficiency, inadequacy or dangerous condition in it. Expected Or Intended "Bodily injury" or "property damage" expected or intended from the standpoint of the "insured". This exclusion does not apply to "bodily injury" or "property damage" resulting from the use of reasonable force to protect persons or property. p. Employer's Liability "Bodily injury" to: (1) An "employee" of the "insured" arising out of and in the course of: (a) Employment by the "insured"; or (b) Performing duties related to the conduct of the "insured's" business; or (2) The spouse, child, parent, brother or sister of that "employee" as a consequence of Paragraph (1) above. This exclusion applies whether the "insured" may be liable as an employer or in any other capacity, and to any obligation to share damages with or repay someone else who must pay damages because of the injury. EXCEPTIONS: This exclusion does not apply to liability assumed by the "insured" under an "insured contract". With respect to injury arising out of an "auto" covered under the applicable "underlying insurance," this exclusion does not apply to "bodily injury" to domestic "employees" not entitled to workers' compensation benefits. For the purposes of this exclusion, a domestic "employee" is a person engaged in household or domestic work performed principally in connection with a residence premises. This exclusion does not apply to the extent that valid "underlying insurance" for the employer's liability risks described above exists or would have existed but for the exhaustion of underlying limits for "bodily injury". To the extent this exclusion does not apply, the insurance provided under this Supplemental Policy for the employer's liability risks described above will follow the same provisions, exclusions and limitations that are contained in the applicable "underlying insurance", unless otherwise directed by this insurance. q. Property Damage To Employee's Property With respect to coverage afforded any of your "employees", "property damage" to property owned or occupied by or rented or loaned to: (1) That "employee"; (2) Any of your other "employees"; (3) Any of your partners or members (if you are a partnership or joint venture); or (4) Any of your members (if you are a limited liability company). r. First —Party Auto Or Mobile Equipment Coverages Any claim arising out of or relating to an "auto" or "mobile equipment" for: (1) Uninsured or underinsured motorists coverage; (2) Personal injury protection; Form SU 00 00 12 19 Page 5 of 18 © 2019, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THE HARTFORD (3) Auto medical payments coverage; (4) First -party physical damage coverage; or (5) Any similar no-fault coverage by whatever name called; unless this Supplemental Policy is endorsed to provide such coverage. Employment Practices Liability Any injury or damage to: (1) A person arising out of any: (a) Refusal to employ that person; (b) Termination of that person's employment; or (c) Employment -related practices, policies, acts or omissions, such as coercion, demotion, evaluation, reassignment, discipline, defamation, harassment, humiliation, discrimination, malicious prosecution or false arrest directed at that person; or (2) The spouse, child, parent, brother or sister of that person, as a consequence of "bodily injury" or "personal and advertising injury" to that person at whom any of the employment -related practices described in Paragraphs (1)(a), (1)(b) or (1)(c) above is directed. (3) This exclusion applies: (a) Whether the injury -causing event described in Paragraphs (1)(a), (1)(b) or (1)(c) above occurs before employment, during employment or after employment of that person; (b) Whether the "insured" may be liable as an employer or in any other capacity; and (c) To any obligation to share damages with or repay someone else who must pay damages because of the injury. - t. Employee Retirement Income Security Act Any liability arising out of intentional or unintentional violation of any provision of the Employee Retirement Income Security Act of 1974, Public Law 93-406 (commonly referred to as the Revision Act of 1974), or any amendments to them. u. Asbestos Any injury, damages, loss, cost or expense, including but not limited to "bodily injury", "property damage" or "personal and advertising injury" arising out of, or relating to, in whole or in part, the "asbestos hazard" that (1) May be awarded or incurred by reason of any claim or "suit" alleging actual or threatened injury or damage of any nature or kind to persons or property which would not have occurred in whole or in part but for the "asbestos hazard"; or (2) Arise out of any request, demand, order, or statutory or regulatory requirement that any "insured" or others test for, monitor, clean up, remove, encapsulate, contain, treat, detoxify or neutralize or in any way respond to or assess the effects of any "asbestos hazard"; or (3) Arise out of any claim or "suit" for damages because of testing for, monitoring, cleaning up, removing, encapsulating, containing, treating, detoxifying or neutralizing or in any way responding to or assessing the effects of an "asbestos hazard". v. Racing And Stunting Activities "Bodily injury" or "property damage" arising out of the ownership, operation, maintenance, use, entrustment to others, or "loading or unloading" of an "auto" or "mobile equipment" while being used in any: (1) Prearranged or organized racing, speed or demolition contest; (2) Stunting activity; or (3) Preparation for any such contest or activity. w. Access Or Disclosure Of Confidential Or Personal Information And Data -Related Liability (1) Damages because of "bodily injury" or "property damage" arising out of any access to or disclosure of any person's or organization's confidential or personal information, including patents, trade secrets, Form SU 00 00 12 19 Page 6 of 18 © 2019, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THE HARTFORD y. processing methods, customer lists, financial information, credit card information, health information or any other type of nonpublic information; or (2) Damages arising out of the loss of, loss of use of, damage to, corruption of, inability to access, or inability to manipulate "electronic data". This exclusion applies even if such damages are claimed for notification costs, credit monitoring expenses, forensic expenses, public relations expenses or any other loss, cost or expense incurred by you or others arising out of that which is described in Paragraph (1) or (2) above. However, unless Paragraph (1) above applies, this exclusion does not apply to "damages" because of "bodily injury". Limited Underlying Coverage Any injury, damage, loss, costs or expense, including but not limited to "bodily injury", "property damage" or "personal and advertising injury" for which: (1) "Underlying insurance" provides coverage; but that (2) Because of a provision within the "underlying insurance", such coverage is provided at a limit or limits of insurance that are less than the limit(s) for the "underlying insurance" shown on the Extension Schedule Of Underlying Insurance. Recording And Distribution Of Material Or Information In Violation Of Law "Bodily injury", "property damage", or "personal and advertising injury" arising directly or indirectly out of any action or omission that violates or is alleged to violate: (1) The Telephone Consumer Protection Act (TCPA), including any amendment of or addition to such law; (2) The CAN-SPAM Act of 2003, including any amendment of or addition to such law; (3) The Fair Credit Reporting Act (FCRA), and any amendment of or addition to such law, including the Fair and Accurate Credit Transaction Act (FACTA); or (4) Any federal, state, or local statute, ordinance or regulation, other than the TCPA, CAN-SPAM Act of 2003 or FCRA and their amendments and additions, that addresses, prohibits or limits the printing, dissemination, disposal, collecting, recording, sending, transmitting, communicating or distribution of material or information. Nuclear Energy Liability Exclusion (Broad Form) (1) "Bodily injury" or "property damage": (a) With respect to which an "insured" under this Supplemental Policy is also an "insured" under a Nuclear Energy Liability Policy issued by the Nuclear Energy Liability Insurance Association, Mutual Atomic Energy Liability Underwriters, Nuclear Insurance Association of Canada or any of their successors, or would be an "insured" under any such policy but for its termination upon exhaustion of its limit of liability; or (b) Resulting from the "hazardous properties" of "nuclear material" and with respect to which: (i) Any person or organization is required to maintain financial protection pursuant to the Atomic Energy Act of 1954, or any law amendatory thereof, or (ii) The "insured" is, or had this policy not been issued would be, entitled to indemnity from the United States of America, or any agency thereof, under any agreement entered into by the United States of America, or any agency thereof, with any person or organization. (2) "Bodily injury" or "property damage" resulting from the "hazardous properties" of "nuclear material" if: (a) The "nuclear material": (i) Is at any "nuclear facility" owned by, or operated by or on behalf of, an "insured"; or (ii) Has been discharged or dispersed therefrom; (b) The "nuclear material" is contained in "spent fuel" or "waste" at any time possessed, handled, used, processed, stored, transported or disposed of by or on behalf of an "insured"; or Form SU 00 00 12 19 Page7of18 © 2019, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THEE`" HARTFORD (c) The "bodily injury" or "property damage" arises out of the furnishing by an "insured" of services, materials, parts or equipment in connection with the planning, construction, maintenance, operation or use of any "nuclear facility", but if such facility is located within the United States of America, its territories or possessions or Canada, this exclusion (c) applies only to "property damage" to such "nuclear facility" and any property thereat. (3) As used in this exclusion: "Property damage" includes all forms of radioactive contamination of property. B. INVESTIGATION, DEFENSE, SETTLEMENT 1. With respect to "bodily injury", "property damage" or "personal and advertising injury" to which this insurance applies (whether or not the "self -insured retention" applies) and for which no coverage is provided under any "underlying insurance" or for which the underlying limits of any "underlying insurance" have been exhausted solely by payments of damages because of "occurrences" during the "policy period"; we: a. Will have the right and the duty to defend any "suit" against the "insured" seeking "damages" on account thereof, even if such "suit" is groundless, false or fraudulent; but our right and duty to defend end when we have used up the applicable limit of insurance in the payment of judgments or settlements under coverages afforded by this Supplemental Policy; b. May make such investigation and settlement of any claim or "suit" as we deem expedient; c. Will pay: (1) All expenses incurred by us; (2) All court costs taxed against the "insured" in any "suit" defended by us. However, such costs do not include attorneys' fees, attorneys' expenses, witness or expert fees, or any other expenses of a party taxed against the "insured"; and (3) All interest on the entire amount of any judgment therein which accrues after the entry of the judgment and before we have paid or tendered or deposited in court that part of the judgment which does not exceed the applicable limit of insurance; (4) All premiums on appeal bonds required in any such "suit", premiums on bonds to release attachments in any such "suit" for an amount not in excess of the applicable limit of insurance, and the cost of bail bonds required of the "insured" because of an "accident" or traffic law violation arising out of the operation of any vehicle to which this Supplemental Policy applies, but we will have no obligation to apply for, furnish, finance, arrange for, guarantee, or collateralize, these bonds, whether the collateralization is characterized as premium or not; (5) All reasonable expenses incurred by the "insured" at our request in assisting us in the investigation or defense of any claim or "suit", including actual loss of earnings not to exceed $500 per day per "insured"; and the amounts incurred in Paragraph c. above, are not subject to the "self -insured retention" and are payable in addition to any applicable limit of insurance. We may pay any part or all of the "self insured retention" to pay a judgment or to effect settlement of a claim or "suit", and upon notification of the action taken, the "insured" shall promptly reimburse us for such amounts paid. 2. You agree to arrange for the investigation, defense or settlement of any claim or "suit" in any country where we may be prevented by law from carrying out this agreement. We will pay defense expenses incurred with our written consent in connection with any such claim or "suit" in addition to any applicable limit of insurance. We will also promptly reimburse you for our proper share, but subject to the applicable limit of insurance, of any settlement above the "self -insured retention" or "underlying insurance" made with our written consent. 3. We will have the right to associate at our expense with the "insured" or any underlying insurer in the investigation, defense or settlement of any claim or "suit" which in our opinion may require payment hereunder. In no event, however, will we contribute to the cost or expenses incurred by any underlying insurer. C. WHO IS AN INSURED 1. If you are designated in the Supplemental Policy Declarations as: Form SU 00 00 12 19 Page 8 of 18 © 2019, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THE HARTFORD a. An individual, you and your spouse are "insureds", but only with respect to the conduct of a business, other than that described in b. through e. below, of which you are the sole owner. b. A partnership or joint venture, you are an "insured". Your members, your partners, and their spouses are also "insureds", but only with respect to the conduct of your business. c. A limited liability company, you are an "insured". Your members are also "insureds", but only with respect to the conduct of your business. Your managers are "insureds", but only with respect to their duties as your managers. d. An organization other than a partnership, joint venture or limited liability company, you are an "insured". Your "executive officers" and directors are "insureds", but only with respect to their duties as your officers or directors. Your stockholders are also "insureds", but only with respect to their liability as stockholders. e. A trust, you are an "insured". Your trustees are also "insureds", but only with respect to their duties as trustees. 2. Each of the following is also an "insured": Your "volunteer workers" only while performing duties related to the conduct of your business or your "employees" other than your "executive officers" (if you are an organization other than a partnership, joint venture or limited liability company) or your managers (if you are a limited liability company), but only for acts: (1) Within the scope of their employment by you or while performing duties related to the conduct of your business; and (2) Only if such "volunteer workers" or "employees" are "insureds" in the "underlying insurance" with limits of liability at least as high as set forth in the Extension Schedule Of Underlying Insurance, subject to all the limitations upon coverage and all other policy terms and conditions of such "underlying insurance" and this Supplemental Policy. b. Any person or organization having proper temporary custody of your property if you die, but only: (1) With respect to liability arising out of the maintenance or use of that property; and (2) Until your legal representative has been appointed. Your legal representative if you die, but only with respect to his or her duties as such. That representative will have all your rights and duties under this insurance. 3. With respect to any "auto", any person or entity that qualifies as an insured under the "underlying insurance" is an "insured" under this Supplemental Policy, subject to all the limitations of such "underlying insurance". 4. With respect to "mobile equipment", any person is an "insured" while driving such equipment along a public highway with your permission. Any other person or organization responsible for the conduct of such person is also an "insured", but only with respect to liability arising out of the operation of the equipment, and only if no other insurance of any kind is available to that person or organization for this liability. However, no person or organization is an "insured" with respect to: a. "Bodily injury" to a co -"employee" of the person driving the equipment; or b. "Property damage" to property owned by, rented to, in the charge of or occupied by you or the employer of any person who is an "insured" under this provision. 5. Any organization you newly acquire or form, other than a partnership, joint venture or limited liability company, and over which you maintain financial interest of more than 50% of the voting stock, will qualify as an "insured" if there is no other similar insurance available to that organization. However: a. Coverage under this provision is afforded only until the 180th day after you acquire or form the organization or the end of the "policy period", whichever is earlier; b. This insurance does not apply to "bodily injury" or "property damage" that occurred before you acquired or formed the organization; and c. This insurance does not apply to "personal and advertising injury" arising out of an offense committed before you acquired or formed the organization. Form SU 00 00 12 19 Page 9 of 18 © 2019, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THE HARTFORD 6. Each person or organization, not included as an "insured" in Paragraphs 1., 2., 3., 4., or 5., who is an insured in the "underlying insurance" is an "insured" under this Supplemental Policy subject to all the terms, conditions and limitations of such "underlying insurance". With respect to any person or organization who is not an insured under "underlying insurance" but qualifies as an "insured" under this Supplemental Policy, coverage under this Supplemental Policy shall apply only to loss in excess of the amount of the "underlying insurance" or "self -insured retention" applicable to you. However, coverage afforded by reason of the provisions set forth above applies only to the extent: a. Of the scope of coverage provided by the applicable "underlying insurance" but in no event shall coverage be broader than the scope of coverage provided by this Supplemental Policy and any endorsements attached hereto; and b. That such coverage provided by the applicable "underlying insurance" is maintained having limits as set forth in the Extension Schedule Of Underlying Insurance. 7. No person or organization is an "insured" with respect to the conduct of any current or past partnership, joint venture or limited liability company that is not shown as a Named Insured in the Supplemental Policy Declarations. D. LIMITS OF INSURANCE 1. The Limits of Insurance shown in the Supplemental Policy Declarations and the rules below fix the most we will pay regardless of the number of: a. "Insureds"; b. Claims made or "suits" brought; c. Persons or organizations making claims or bringing "suits"; or d. Coverages under which "damages" are covered under this Supplemental Policy. 2. The Limit of Insurance stated as the General Aggregate Limit is the most we will pay for the sum of "damages", other than "damages": a. Because of injury or damage included within the "products -completed operations hazard"; b. Because of "bodily injury" by disease to your "employees" arising out of and in the course of their employment by you; and c. Because of "bodily injury" or "property damage" arising out of the ownership, operation, maintenance, use, entrustment to others, or "loading or unloading" of any "auto". 3. The Limit of Insurance stated as the Products Completed Operations Aggregate Limit is the most we will pay for "damages" included within the "products -completed operations hazard". 4. The Limit of Insurance stated as the Bodily Injury By Disease Aggregate Limit is the most we will pay for "damages" because of "bodily injury" by disease to your "employees" arising out of and in the course of their employment by you. 5. Subject to Paragraphs 2., 3., or 4. above, whichever applies, the Each Occurrence Limit is the most we will pay for "damages" because of all "bodily injury", "property damage", and "personal and advertising injury" arising out of any one "occurrence". 6. If coverage provided to an additional insured under this Supplemental Policy is required by a written contract, written agreement or permit, the most we will pay on behalf of the additional insured is the amount of insurance: a. Required by the written contract, written agreement or permit, less any amounts payable by any "underlying insurance"; or b. Available under the applicable Limits of Insurance shown in the Supplemental Policy Declarations, whichever is less. Such additional insured coverage provided by this Supplemental Policy will not be broader than coverage provided by the "underlying insurance". Form SU 00 00 12 19 Page 10 of 16 © 2019, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THE HARTFORD 7. Our obligations under this insurance, except for our obligations under the Cancellation and Nonrenewal Conditions, end when the applicable Limit of Insurance available is used up. If we pay any amounts for "damages" in excess of that Limit of Insurance, you agree to reimburse us for such amounts. 8. The limits of this Supplemental Policy apply separately to each consecutive annual period and to any remaining period of less than 12 months, starting with the beginning of the "policy period" shown in the Supplemental Policy Declarations. However, if the "policy period" is extended after issuance for an additional period of less than 12 months, the additional period will be deemed part of the last preceding period for the purpose of determining the Limits of Insurance. E. CONDITIONS 1. Premium All premiums for this Supplemental Policy shall be computed in accordance with the Premium Section of the Supplemental Policy Declarations. The premium stated as such in the Supplemental Policy Declarations is a deposit premium only which shall be credited to the amount of any earned premium. At the end of the "policy period", the earned premium may be recomputed for such period, and upon notice thereof to the Named Insured first shown in the Supplemental Policy Declarations, shall become due and payable by such Named Insured. If the total earned premium for the "policy period" is less than the premium previously paid and more than the minimum premium, we shall return to such Named Insured the unearned portion paid by such Named Insured. The Named Insured first shown in the Supplemental Policy Declarations shall maintain records of such information as is necessary for premium computation, and shall send copies of such records to us upon our request. 2. Inspection And Audit We shall be permitted but not obligated to inspect your property and operations at any time. Neither our right to make inspections, nor the making thereof, nor any report thereon, shall constitute an undertaking on your behalf or for your benefit or that of others to determine or warrant that such property or operations are: Safe; b. Healthful; or c. In compliance with any law, rule or regulation. We may examine and audit your books and records at any time during the "policy period" and extensions thereof and within three years after the final termination of this Supplemental Policy, insofar as they relate to the subject matter of this Supplemental Policy. 3. Duties In The Event Of Occurrence, Claim Or Suit You, or any other "insured" under this Supplemental Policy must see to it that we are notified as soon as practicable of an "occurrence" which may result in a claim under this Supplemental Policy. (1) This requirement applies only when such "occurrence" is known to any of the following: (a) You, or any other "insured" under this Supplemental Policy that is an individual; (b) Any partner, if you or any other "insured" under this Supplemental Policy is a partnership; (c) Any manager, if you or any other "insured" under this Supplemental Policy is a limited liability company; (d) Any "executive officer" or insurance manager, if you or any other "insured" under this Supplemental Policy is a corporation. (e) Any trustee, if you or any other "insured" under this Supplemental Policy is a trust; or (f) Any elected or appointed official, if you or any other "insured" under this Supplemental Policy is a political subdivision or public entity. This duty applies separately to you and any other "insured" under this Supplemental Policy. (2) To the extent possible, notice should include: (a) How, when and where the "occurrence" took place; (b) The names and addresses of any injured persons and witnesses; and Form SU 00 00 12 19 Page 11 of 18 © 2019, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THE` ,.. HARTFORD (c) The nature and location of any injury or damage arising out of the "occurrence". b. If a claim is made or "suit" is brought against any "insured", you or any other "insured" under this Supplemental Policy must: (1) Immediately record the specifics of the claim or "suit" and the date received; and (2) Notify us in writing as soon as practicable if the claim or "suit" is likely to exceed the amount of the "self - insured retention" or "underlying insurance", whichever applies. c. You or any other "insured" under this Supplemental Policy must: (1) Immediately send us copies of any demands, notices, summonses or legal papers received in connection with the claim or "suit" involving or likely to involve a sum in excess of any "self -insured retention" or "underlying insurance", whichever applies; (2) Authorize us to obtain records and other information; (3) Cooperate with us in the investigation or settlement of the claim or defense against the "suit"; and (4) Assist us, upon our request in the enforcement of any right against any person or organization that may be liable to any "insured" because of injury or damage to which this Supplemental Policy or any "underlying insurance" or "self -insured retention" may also apply. d. No "insured" will, except at that "insured's" own cost, make or agree to any settlement for a sum in excess of: (1) The total limits of "underlying insurance"; or (2) The "self -insured retention" if no "underlying insurance" applies, without our consent. No "insured" will, except at that "insured's" own cost, make a payment, assume any obligation, or incur any expenses, other than first aid, without our consent. 4. Assistance And Cooperation Of The Insured The "insured" shall: a. Cooperate with us and comply with all the terms and conditions of this Supplemental Policy; and b. Cooperate with any of the underlying insurers as required by the terms and conditions of the "underlying insurance" and comply with all the terms and conditions thereof. The "insured" shall enforce any right of contribution or indemnity against any person or organization who may be liable to the "insured" because of "bodily injury", "property damage" or "personal and advertising injury" with respect to this Supplemental Policy or any "underlying insurance". 5. Legal Action Against Us No person or organization has a right under this Supplemental Policy: a. To join us as a party or otherwise bring us into a "suit" asking for damages from an "insured"; or b. To sue us on this Supplemental Policy unless all of its terms and those of the "underlying insurance" have been fully complied with. A person or organization may sue us to recover on an agreed settlement or on a final judgment against an "insured"; but, we will not be liable for damages that are not payable under the terms of this Supplemental Policy or that are in excess of the applicable Limits of Insurance. An agreed settlement means a settlement and release of liability signed by us, the "insured" and the claimant or the claimant's legal representative. 6. Appeals a. In the event the "insured", or any insurers providing coverage to which this Supplemental Policy is excess, elects to appeal a judgment in excess of such "underlying insurance", any applicable self -insured retention, and any other valid and collectible insurance, we shall be liable, in addition to the applicable Limit of Insurance, to pay the premium on appeal bonds for that portion of the judgment in excess of the "underlying insurance", self -insured retention, and any other valid and collectible insurance and within the applicable limit of insurance under this Supplemental Policy, but we will have no obligation to apply for, furnish, finance, arrange for, guarantee, or collateralize, those bonds, whether the collateralization is characterized as premium or not. Form SU 00 00 1219 Page 12 of 18 © 2019, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THE HARTFORD However, if we have paid, offered to pay, or deposited in court that part of the judgment that is within the applicable limit of this Supplemental Policy, then we will have no obligation to pay any premium on an appeal bond, and the "insured" or the "insured's" underlying insurers or both will bear: (1) The full cost and duty of obtaining any appeal bond; and (2) The taxable costs, disbursements and additional interest incidental to such appeal. If the claim is settled for less than the judgment amount, we shall only be liable for that portion of the settlement that is in excess of any applicable "underlying insurance", self -insured retention, and any other valid and collectible insurance and within the applicable limit of this Supplemental Policy. b. If the "insured", or any insurers providing coverage to which this Supplemental Policy is excess, elect not to appeal a judgment in excess of such "underlying insurance", applicable self -insured retention, and any other valid and collectible insurance, then we shall have the right to pursue such appeal. In that case, if the "insured" or the "insured's" underlying insurers have paid, offered to pay, or deposited in court that part of the judgment that is within the applicable limit of such "underlying insurance", self- insured retention, and any other valid and collectible insurance, then we shall be liable, in addition to the applicable limit of insurance, for: (1) All expenses incurred by us; (2) All court costs taxed against the "insured" in connection with such appeal. However, such costs do not include attorneys' fees, attorneys' expenses, witness or expert fees, or any other expenses of a party taxed against the "insured"; (3) All interest on the entire amount of the judgment which accrues after the "insured" or the "insured's" underlying insurers have paid, offered to pay, or deposited in court that part of the judgment which is within the limits of the "underlying insurance" self -insured retention, and any other valid and collectible insurance; and (4) All premiums on appeal bonds for the amount of the judgment that is within the limits of any self -insured retention, "underlying insurance", and this Supplemental Policy, but we will have no obligation to apply for, furnish, finance, arrange for, guarantee, or collateralize, those bonds, whether the collateralization is characterized as premium or not; 7. Other Insurance This Supplemental Policy shall apply in excess of all "underlying insurance" whether or not valid and collectible. It shall also apply in excess of other valid and collectible insurance (except other insurance purchased specifically to apply in excess of this insurance) which also applies to any loss for which insurance is provided by this Supplemental Policy. These excess provisions apply, whether such other insurance is stated to be: a. Primary; b. Contributing; c. Excess; or d. Contingent; Provided that if such other insurance provides umbrella coverage in excess of "underlying insurance" or a self - insured retention, this Supplemental Policy shall contribute therewith with respect to "damages". However, in the event that there is such other umbrella coverage available to cover such excess loss on an excess basis, we will pay only our share of the amount of such excess loss payable under this Supplemental Policy. 8. Transfer Of Rights Of Recovery Against Others To Us a. If the "insured" has rights to recover all or a part of any payment we have made under this Supplemental Policy, those rights are transferred to us. The "insured" must do nothing after a loss to impair them. At our request, the "insured" will bring "suit" or transfer those rights to us and help us enforce them. b. Recoveries shall be applied to reimburse: (1) First, any interest (including the Named Insured) that paid any amount in excess of our limit of liability; Form SU 00 00 12 19 Page 13 of 18 © 2019, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THE HARTFORD (2) Second, us, along with any other insurers with whom we participate in a loss on a quota share basis at the same layer; (3) Third, such interests (including the Named Insured) of whom this insurance is excess. However, a different apportionment may be made to effect settlement of a claim by agreement signed by all interests. c. Reasonable expenses incurred in the exercise of rights of recovery shall be apportioned among all interests in the ratio of their respective losses for which recovery is sought 9. Changes This Supplemental Policy contains all the agreements between you and us concerning the insurance afforded. Notice to any agent, or knowledge possessed by any agent or any other person shall not effect a waiver or a change in any part of this Supplemental Policy, or stop us from asserting any rights under the terms of this Supplemental Policy. The Named Insured first shown in the Supplemental Policy Declarations is authorized on behalf of all "insureds" to agree with us on changes in the terms of this Supplemental Policy. If the terms are changed, the changes will be shown in an endorsement issued by us and made a part of this Supplemental Policy. 10. Separation Of Insureds Except with respect to the Limits of Liability, and any rights or duties specifically assigned in this Supplemental Policy to the Named Insured first shown in the Supplemental Policy Declarations, this insurance applies: a. As if each Named Insured were the only Named Insured; and b. Separately to each "insured" against whom claim is made or "suit" is brought. 11. Maintenance Of Underlying Insurance Policies, endorsements, and coverage parts affording in total the coverage and limits stated in the Extension Schedule Of Underlying Insurance shall be maintained in full effect during the currency of this Supplemental Policy. Your failure to comply with the foregoing shall not invalidate this Supplemental Policy, but in the event of such failure, we shall be liable only to the extent that we would have been liable had you complied with this Paragraph 11. The Named Insured first shown in the Supplemental Policy Declarations shall give us written notice as soon as practicable of any of the following: a. Any change in the coverage or in the limits of any "underlying insurance", including but not limited to a change from occurrence coverage to claims made coverage; b. Termination of part or all of one or more of the policies, endorsements, or coverage parts of "underlying insurance"; c. Reduction or exhaustion of an aggregate limit of liability of any "underlying insurance". The "self -insured retention" shall not apply should the "underlying insurance" be exhausted by the payment of claims or "suits" which are also covered by this Supplemental Policy. 12. Cancellation a. The Named Insured first shown in the Supplemental Policy Declarations may cancel this Supplemental Policy by mailing or delivering to us or to any of our authorized agents advance written notice of cancellation. b. We may cancel this Supplemental Policy by mailing or delivering to the Named Insured first shown in the Supplemental Policy Declarations at the address shown in the Supplemental Policy Declarations, written notice of cancellation at least (1) 10 days before the effective date of cancellation if such Named Insured fails to pay the premium or any installment when due; or (2) 30 days before the effective date of cancellation if we cancel for any other reason. Form SU 00 00 12 19 Page 14 of 18 © 2019, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THE''" HARTFORD c. If notice is mailed, proof of mailing will be sufficient proof of notice. Notice will state the effective date of cancellation. The "policy period" will end on that date. Delivery of such notice by the Named Insured first shown in the Supplemental Policy Declarations or by us will be equivalent to mailing. d. If the Named Insured first shown in the Supplemental Policy Declarations cancels, the refund may be less than pro rata, but we will retain any minimum premium stated as such in the Supplemental Policy Declarations. If we cancel, the refund will be pro rata. The cancellation will be effective even if we have not made or offered a refund. 13. Nonrenewal a. If we decide not to renew, we will mail or deliver to the Named Insured first shown in the Supplemental Policy Declarations, at the address shown in the Supplemental Policy Declarations, written notice of nonrenewal at least 30 days before the end of the "policy period". b. If notice is mailed, proof of mailing will be sufficient proof of notice. c. If we offer to renew but such Named Insured does not accept, this Supplemental Policy will not be renewed at the end of the current "policy period". 14. Workers' Compensation Agreement With respect to "bodily injury" to any officer or other "employee" arising out of and in the course of employment by you, you represent and agree that you have not abrogated and will not abrogate your defenses under any Workers' Compensation Law by rejection of such law or otherwise. If at any time during the "policy period" you abrogate such defenses, the insurance for "bodily injury" to such officer or other "employee". automatically terminates at the same time. 15. Bankruptcy Or Insolvency Of Insured In the event of the bankruptcy or insolvency of the "insured" or any entity comprising the "insured", we shall not be relieved of any of our obligations under this Supplemental Policy. 16. Representations Or Fraud By accepting this Supplemental Policy, you agree: a. The statements in the Supplemental Policy Declarations are accurate and complete; b. The statements in the Extension Schedule Of Underlying Insurance are accurate and complete; c. The statements in a. and b. are based upon representations you made to us; d. We have issued this Supplemental Policy in reliance upon your representations; and e. This Supplemental Policy is void in any case of fraud by you as it relates to this Supplemental Policy or any claim under this Supplemental Policy. F. DEFINITIONS Except as otherwise provided in this Section or amended by endorsement, the words or phrases that appear in quotation marks within this Supplemental Policy shall follow the definitions of the applicable "underlying insurance". 1. "Accident" includes continuous or repeated exposure to the same conditions resulting in "bodily injury" or "property damage". 2. "Auto" means: a. A land motor vehicle, trailer or semitrailer designed for travel on public roads, including any attached machinery or equipment; or b. Any other land vehicle that is subject to a compulsory or financial responsibility law or other motor vehicle insurance or motor vehicle registration law where it is licensed or principally garaged. However, "auto" does not include "mobile equipment". 3. "Covered pollution cost or expense": a. Means any cost or expense arising out of: (1) Any request, demand or order; or Form SU 00 00 12 19 Page 15 of 18 © 2019, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THE* HARTFORD (2) Any claim or "suit" by or on behalf of a governmental authority demanding that the "insured" or others test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of "pollutants". b. Does not include any cost or expense arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of "pollutants": (1) That are, or that are contained in any property that is: (a) Being transported or towed by, handled, or handled for movement into, onto or from, any "auto"; (b) Otherwise in the course of transit by or on behalf of the "insured"; or (c) Being stored, disposed of, treated or processed in or upon any "auto"; or (2) Before the "pollutants" or any property in which the "pollutants" are contained are moved from the place where they are accepted by the "insured" for movement into or onto any "auto"; or (3) After the "pollutants" or any property in which the "pollutants" are contained are moved from any "auto" to the place where they are finally delivered, disposed of or abandoned by the "insured". Paragraph (1)(a) above does not apply to fuels, lubricants, fluids, exhaust gases or other similar "pollutants" that are needed for or result from the normal electrical, hydraulic or mechanical functioning of an "auto", covered by the "underlying insurance" or its parts, if: (1) The "pollutants" escape, seep, migrate, or are discharged or released directly from an "auto" part designed by its manufacturer to hold, store, receive or dispose of such "pollutants"; and (2) The "bodily injury", "property damage" or "covered pollution cost or expense" does not arise out of the operation of any equipment listed in Paragraphs f.(2) or f.(3) of the definition of "mobile equipment". d. Paragraphs b.(1)(b) and b.(1)(c) above do not apply to "accidents" that occur away from premises owned by or rented to an "insured" with respect to "pollutants" not in or upon an "auto" covered by the "underlying insurance" if: (1) The "pollutants" or any property in which the "pollutants" are contained are upset, overturned or damaged as a result of the maintenance or use of the "auto"; and (2) The discharge, dispersal, seepage, migration, release or escape of the "pollutants" is caused directly by such upset, overturn or damage. 4. "Damages" means a monetary award, monetary settlement or monetary judgment. "Damages" include prejudgment interest awarded against the "insured" on that part of the judgment we pay. a. The following are not considered "damages" and are not covered by this Supplemental Policy: (1) Fines, penalties, sanctions or taxes; (2) Attorney's fees and costs associated with any non -monetary relief awarded against the "insured"; or (3) Any monetary award, monetary settlement or monetary judgment for which insurance is prohibited by the law(s) applicable to the construction of this Supplemental Policy. 5. "Hazardous properties" include radioactive, toxic or explosive properties. 6. "Insured" means any person or organization qualifying as an "insured" in the applicable Who Is An Insured provision of this Supplemental Policy, including any additional insured added by endorsement. The insurance afforded applies separately to each "insured" against whom claim is made or "suit" is brought, except with respect to the limit of our liability under Section D. LIMITS OF INSURANCE. 7. "Mobile equipment" means any of the following types of land vehicles, including any attached machinery or equipment a. Bulldozers, farm machinery, forklifts and other vehicles designed for use principally off public roads; b. Vehicles maintained for use solely on or next to premises you own or rent; c. Vehicles that travel on crawler treads; d. Vehicles, whether self-propelled or not, on which are permanently mounted: (1) Power cranes, shovels, loaders, diggers or drills; or Form SU 00 00 12 19 Page 16 of 18 © 2019, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THE HARTFORD (2) Road construction or resurfacing equipment such as graders, scrapers or rollers; Vehicles not described in a., b., c., or d. above that are not self-propelled and are maintained primarily to provide mobility to permanently attached equipment of the following types: (1) Air compressors, pumps and generators, including spraying, welding, building cleaning, geophysical exploration, lighting and well servicing equipment; or (2) Cherry pickers and similar devices used to raise or lower workers; f. Vehicles not described in a., b., c., or d. above maintained primarily for purposes other than the transportation of persons or cargo. However, self-propelled vehicles with the following types of permanently attached equipment are not "mobile equipment" but will be considered "autos": (1) Equipment, of at least 1,000 pounds gross vehicle weight, designed primarily for: (a) Snow removal; (b) Road maintenance, but not construction or resurfacing; or (c) Street cleaning; (2) Cherry pickers and similar devices mounted on automobile or truck chassis and used to raise or lower workers; and (3) Air compressors, pumps and generators, including spraying, welding, building cleaning, geophysical exploration, lighting and well servicing equipment However, "mobile equipment" does not include any land vehicle that is subject to a compulsory or financial responsibility law or other motor vehicle insurance or motor vehicle registration law where they are licensed or principally garaged. Land vehicles subject to a compulsory or financial responsibility law or other motor vehicle insurance law or motor vehicle registration law are considered "autos". 8. "Nuclear facility" means: a. Any "nuclear reactor"; b. Any equipment or device designed or used for: (1) Separating the isotopes of uranium or plutonium; (2) Processing or utilizing "spent fuel"; or (3) Handling, processing or packaging "waste"; c. Any equipment or device used for the processing, fabricating or alloying of special nuclear material if at any time the total amount of such material in the custody of the "insured" at the premises where such equipment or device is located consists of or contains more than 25 grams of plutonium or uranium 233 or any combination thereof, or more than 250 grams of uranium 235; or d. Any structure, basin, excavation, premises or place prepared or used for the storage or disposal of "waste"; and includes the site on which any of the foregoing is located, all operations conducted on such site and all premises used for such operations. 9. "Nuclear material" means source material, special nuclear material or by-product material. Source material, special nuclear material and by-product material have the meanings given to them in the Atomic Energy Act of 1954 or in any law amendatory thereof. 10. "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. 11. "Occurrence" means: a. With respect to "bodily injury" or "property damage", an "accident", including continuous or repeated exposure to substantially the same general harmful conditions; and b. With respect to "personal and advertising injury", an offense described in the definition of "personal and advertising injury" in the "underlying insurance". Form SU 00 00 12 19 Page 17 of 18 © 2019, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THE ilk HARTFORD 12. "Policy period" as used in this Supplemental Policy means the period beginning with the effective date stated as such in the Supplemental Policy Declarations and ending with the earlier of: a. The date of cancellation of this Supplemental Policy; or b. The expiration date stated as such in the Supplemental Policy Declarations. 13. "Pollution hazard" means an actual exposure or threat of exposure to the corrosive, toxic or other harmful properties of any solid, liquid, gaseous or thermal: a. Pollutants; b. Contaminants; c. Irritants; or d. Toxic substances; including smoke, vapors, soot, fumes, acids, alkalis, chemicals, or waste materials consisting of or containing any of the foregoing. Waste includes materials to be recycled, reconditioned, or reclaimed. 14. "Self -insured retention" means the amount stated as such in the Supplemental Policy Declarations which is retained and payable by the "insured" with respect to each "occurrence". 15. "Spent fuel" means any fuel element or fuel component, solid or liquid, which has been used or exposed to radiation in a "nuclear reactor". 16. "Underlying insurance" means the insurance policies, coverage parts, and endorsements listed in the Extension Schedule Of Underlying Insurance, including any renewals or replacements thereof, which provide the underlying coverages and limits stated in the Schedule Of Underlying Insurance. The limits of "underlying insurance" include: (1) Any applicable deductible amount; (2) Any participation of any "insured"; and (3) Any applicable self -insured retention; Less the amount, if any, by which the aggregate limit of such insurance has been reduced by any payment relating to any act, error, omission, injury, damage or offense for which insurance is provided by this Supplemental Policy. The coverages and limits of such policies, coverage parts, and endorsements and any such deductible amount, participation or "self -insured retention" shall be deemed to be applicable regardless of: (1) Any defense which any underlying insurer may assert because of the "insured's" failure to comply with any condition of its policy, coverage part, or endorsement; or (2) The actual or alleged insolvency or financial impairment of any underlying insurer or any "insured". The risk of insolvency or financial impairment of any underlying insurer or any "insured" is borne by you and not by us. 17. "Waste" means any waste material: a. Containing by-product material other than the tailings or wastes produced by the extraction or concentration of uranium or thorium from any ore processed primarily for its source material content; and b. Resulting from the operation by any person or organization of any "nuclear facility" included under the first two paragraphs of the definition of "nuclear facility". Form SU 00 00 12 19 © 2019, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) Page 18 of 18 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THEM HARTFORD BLANKET ADDITIONAL INSURED BY CONTRACT - UMBRELLA This endorsement modifies insurance provided under the following: UMBRELLA LIABILITY SUPPLEMENTAL POLICY Except as otherwise stated in this endorsement, the terms and conditions of the Supplemental Policy apply. A. The following is added to Paragraph 2. of Section C. WHO IS AN INSURED: a. Any person or organization when you have agreed, because of a written contract or written agreement, or when required by a written permit issued by a state or governmental agency or subdivision or political subdivision, to provide insurance such as is afforded under this Supplemental Policy, but only with respect to your operations performed by you or on your behalf, "your work" or facilities owned or used by you. This provision does not apply: (1) Unless the written contract or written agreement has been executed, or the permit has been issued, prior to the "bodily injury," "property damage," or "personal and advertising injury"; (2) Unless the limits of liability specified in such written contract, written agreement or permit are greater than the limits of liability provided by the "underlying insurance"; and (3) Beyond the period of time required by the written contract, written agreement or permit; However, no such person or organization is an "insured" under this provision if such person or organization qualifies as an "insured" by any other provision of this Supplemental Policy. b. With respect to the insurance afforded to the persons or organizations qualifying as an "insured" in Paragraph a. above, the following additional exclusion applies: (1) This insurance does not apply to "bodily injury", "property damage" or "personal and advertising injury" arising out of the rendering of or the failure to render any professional services, including: (a) The preparing, approving, or failure to prepare or approve, maps, shop drawings, opinions, reports, surveys, field orders, change orders, designs or drawings and specifications; or (b) Supervisory, surveying, inspection, architectural or engineering activities. This exclusion applies even if the claims allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by an "insured", if the "bodily injury", "property damage", or "personal and advertising injury" arises out of the rendering of or the failure to render any professional service. The insurance afforded to such "insured" will not be broader than that which you are required by the contract, agreement or permit to provide for such "insured". d. The insurance afforded to such "insured" only applies to the extent permitted by law. Form SU 00 02 10 18 Page 1 of 1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD AMENDMENT OF UMBRELLA CONDITIONS - COLORADO This endorsement modifies insurance provided under the following: UMBRELLA LIABILITY SUPPLEMENTAL POLICY Except as otherwise stated in this endorsement, the terms and conditions of the Supplemental Policy apply. The following changes are made to Section E., CONDITIONS: 1. Paragraph 12., Cancellation is deleted and replaced by the following: Cancellation The Named Insured first shown in the Declarations may cancel this Supplemental Policy by: (1) Mailing or delivering to us advance written notice of cancellation; or (2) Surrendering the Supplemental Policy to us or to any of our authorized agents. b. If this Supplemental Policy has been in effect for less than 60 days, we may cancel this Supplemental Policy by mailing or delivering to the first Named Insured written notice of cancellation at least (1) 10 days before the effective date of cancellation if we cancel for nonpayment of premium; or (2) 30 days before the effective date of cancellation if we cancel for any other reason. If this Supplemental Policy has been in effect for 60 days or more, or is a renewal of a Supplemental Policy we issued, we may cancel this Supplemental Policy by mailing through first-class mail to the first Named Insured written notice of cancellation: (1) Including the actual reason, at least 10 days before the effective date of cancellation, if we cancel for nonpayment of premium; or (2) At least 45 days before the effective date of cancellation if we cancel for any other reason. d. We may only cancel this Supplemental Policy based on one or more of the following reasons, or as permitted under applicable Colorado law: (1) Nonpayment of premium; (2) A false statement knowingly made by the insured on the application for insurance; or (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 first Named Insured has notified us of the change and we accept such change. We will mail or deliver our notice to the last mailing address known to us of the Named Insured first shown in the Declarations. If notice is mailed, proof of mailing will be sufficient proof of notice. f. Notice of cancellation by us will state the effective date of cancellation. The "policy period" will end on that date. g. If this Supplemental Policy is cancelled, we will send the Named Insured first shown in the Declarations any premium refund due. If we cancel, the refund will be pro -rata. h. If the Named Insured cancels, the return premium may be less than pro rata, but not less than 90% of the pro - rata unearned premium. We shall in any event be entitled to retain any minimum retained premium stated in the Declarations. i. Premium adjustment may be made either at the time cancellation is effected or as soon as practicable after cancellation becomes effective, but payment or tender of unearned premium is not a condition of cancellation. 2. Paragraph 13., Nonrenewal is deleted and replaced by the following: Nonrenewal a. If we decide not to renew this Supplemental Policy, we will mail or deliver written notice of non -renewal to the Named Insured first shown in the Declarations at least 45 days before the end of the "policy period." Form SU 01 0510 18 Page 1 of 2 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD b. If notice is mailed, we will mail it to the last mailing address known to us of the Named Insured first shown in the Declarations. Proof of mailing will be sufficient proof of notice. c. If we offer to renew but such Named Insured does not accept our offer during the current "policy period," this Supplemental Policy will not be renewed at the end of such "policy period." 3. The following is added: Premium Increase Or Coverage Change If we elect to increase your premium or decrease your coverage on renewal, we will mail or deliver to the Named Insured first shown in the Declarations; 45 days advance written notice of such premium increase or coverage change. If notice is mailed, proof of mailing will be sufficient proof of notice. Form SU 01 05 10 18 Page 2 of 2 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE 411 HARTFORD FOLLOWING FORM ENDORSEMENT - PERFLUOROALKYL AND POLYFLUOROALKYL SUBSTANCES (PFAS) This endorsement modifies insurance provided under the following: Umbrella Liability Supplemental Policy Except as otherwise stated in this endorsement, the terms and conditions of the Supplemental Policy apply. A. The following is added to Section A.2., EXCLUSIONS: Perfluoroalkyl and Polyfluoroalkyl Substances (PFAS) This Supplemental Policy does not apply to: 1. Any damages, judgments, settlements, loss, costs or expenses, or any other form of relief, remedy or recovery that may be awarded or incurred by reason of any claim or "suit" alleging actual or threatened injury or damage of any nature or kind, including, but not limited to, "bodily injury", "property damage" or "personal and advertising injury", which arises out of, or relates in any way to "PFAS ", including but not limited to: a. manufacturing, handling, sale, distribution, marketing, installation, repair, removal, abatement, replacement, or handling of "PFAS" or products containing "PEAS"; or b. an actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of "PEAS" whether intentional or unintentional; or c. consumption, absorption, ingestion, presence, inhalation or use of, contact with or exposure to, "PFAS", whether by director passive exposure. 2. Any loss, cost or expense arising out of any: a. Request, demand, order, or other requirement (whether statutory or regulatory) that any insured or others test for, investigate for, monitor, clean up, abate, remove, remediate, contain, treat, detoxify or neutralize, dispose of, or in any way respond to, or assess the effects of "PFAS"; or b. Claim or suit by or on behalf of a governmental authority for damages because of testing for, investigating for, monitoring, cleaning up, abating, removing, remediating, containing, treating, detoxifying or neutralizing, disposing of or in any way responding to or assessing the effects of "PEAS". B. The following definition is added to Section F. DEFINITIONS: "PEAS" means: 1. Any substance, material, or compound that is or contains per -and polyfluoroalkyl substances, including but not limited to perfluorobutanoic acid (PFBA), perfluorohexanoic acid (PFHxA), perfuoroheptanoic acid (PFHpA), perfluorooctanoic acid (PFOA), perfluorononanoic acid (PFNA), perfluorodecanoic acid (PFDA), perfluoroundecanoic acid (PFUnA), perfuorododecanoic acid (PFDoDA), perfluorobutane sulfonic acid (PFBS), perfluorohexane sulfonic acid (PFHxS), perfluorooctane sulfonic acid (PFOS), and perfluorooctane sulfonamide (FOSA). 2. Any substance, material, or compound that is identified or acknowledged by any federal, state, international or other governmental agency or authority, including but not limited to the United States Environmental Protection Agency (EPA), the Centers for Disease Control and Prevention (CDC), the Agency for Toxic Substances and Disease Registry (ATSDR), the National Institutes for Health (NIH), and the International Agency for Research on Cancer (IARC): a. As or to contain a per -and polyfluoroalkyl substance; or b. To exhibitor demonstrate the same or similar harmful properties as a per -and polyfluoroalkyl substance. 3. Any constituents, additives, degradation, break down, or by-products to or of any substance, material or compound set forth in subparagraphs a. and b. above, including but not limited to homologues, isomers, salts, esters, alcohols, acids, and precursor chemicals, compounds and derivatives. Form SU 21 09 03 23 Page 1 of 1 © 2023, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD ABSOLUTE LEAD EXCLUSION This endorsement modifies insurance provided under the following: UMBRELLA LIABILITY SUPPLEMENTAL POLICY Except as otherwise stated in this endorsement, the terms and conditions of the Supplemental Policy apply. A. The following is added to Paragraph A.2., Exclusions: Absolute Lead Exclusion This Supplemental Policy does not apply to: (1) Any injury, damage, loss, costs or expense, including, but not limited to, "bodily injury", "property damage" or "personal and advertising injury" arising out of, in whole or in part, the "lead hazard." (2) Any "damages", judgments, settlements, loss costs or expenses that: (a) May be awarded or incurred by reason of any claim or suit alleging actual or threatened injury or damage of any nature or kind to persons or property which arises out of, or would not have occurred, in whole or in part, but for the "lead hazard"; or (b) Arise out of any request, demand, order or statutory or regulatory requirement that any "insured" or others: (i) Identify, abate, test for, sample, monitor, clean up, remove, cover, contain, treat, detoxify, decontaminate, neutralize or mitigate or in any way respond to or assess the effects of a "lead hazard"; or (ii) As a result of such effects, repair, replace or improve any property; or (c) Arise out of any claim or any suit for "damages" because of: (i) Identification of, abatement of, testing for, sampling, monitoring, cleaning up, removing, covering, containing, treating, detoxifying, decontaminating, neutralizing or mitigating or in any way responding to or assessing the effects of a "lead hazard"; or (ii) As a result of such effects, the repair, replacement, or improvement of any property. B. The following is added to Section F. DEFINITIONS: "Lead hazard" means an exposure or threat of exposure to the actual or alleged properties of lead, and includes the mere presence or suspected presence of lead in any form or combination. Form SU 20 00 10 18 Page 1 of 1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD EXCLUSION - SILICA This endorsement modifies insurance provided under the following: UMBRELLA LIABILITY SUPPLEMENTAL POLICY Except as otherwise stated in this endorsement, the terms and conditions of the Supplemental Policy apply. A. The following is added to Paragraph A.2., Exclusions: Exclusion — Silica This Supplemental Policy does not apply to any injury, damage, loss, cost or expense, including but not limited to "bodily injury", "property damage" or "personal and advertising injury" arising out of, or relating to, in whole or in part, the "silica hazard". B. The following definition is added to Section F. DEFINITIONS: "Silica hazard" means an exposure to, inhalation of or contact with, or threat of exposure to, inhalation of or contact with, the actual or alleged properties of silica or any silica containing materials and includes the mere presence of silica or any silica containing materials in any form. Silica includes all forms of the compound silicon dioxide, including but not limited to quartz. Form SU 20 01 10 18 Page 1 of 1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD EXCLUSION - CARE, CUSTODY OR CONTROL OF PERSONAL PROPERTY This endorsement modifies insurance provided under the following: UMBRELLA LIABILITY SUPPLEMENTAL POLICY Except as otherwise stated in this endorsement, the terms and conditions of the Supplemental Policy apply. The folowing is added to Paragraph A.2., Exclusions: Exclusion — Care, Custody or Control of Personal Property This Supplemental Policy does not apply to "property damage" to personal property: (1) Rented to; (2) Used by; or (3) In the care, custody or control; Of any "insured" or as to which any "insured" is for any purpose exercising physical control. Form SU 20 09 10 18 Page 1 of 1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD EXCLUSION - CARE, CUSTODY OR CONTROL OF REAL PROPERTY This endorsement modifies insurance provided under the following: UMBRELLA LIABILITY SUPPLEMENTAL POLICY Except as otherwise stated in this endorsement, the terms and conditions of the Supplemental Policy apply. The following is added to Paragraph A.2., Exclusions: Exclusion — Care, Custody or Control of Real Property This Supplemental Policy does not apply to "property damage" to real property: (1) Owned by; (2) Occupied by; (3) Rented to; or (4) In the care, custody or control; Of any "insured" or as to which any "insured" is for any purpose exercising physical control. Form SU 20 10 10 18 Page 1 of 1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD EXCLUSION - PROFESSIONAL LIABILITY This endorsement modifies insurance provided under the following: UMBRELLA LIABILITY SUPPLEMENTAL POLICY Except as otherwise stated in this endorsement, the terms and conditions of the Supplemental Policy apply. A. The following exclusion is added to the Paragraph 2. Exclusions of Section A. COVERAGES: Professional Services (1) This insurance does not apply to any "damages", judgments, settlements, losses, costs or expenses, including, but not limited to, "bodily injury", "property damage" or "personal and advertising injury", or any other form of relief that may be awarded or incurred by reason of any claim or "suit" alleging actual or threatened injury or "damage" of any nature or kind which arises out of, or relates in any way to any "professional services". (2) This exclusion applies even if the claims allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by an "insured",, if the "damages", judgments, settlements, losses, costs or expenses, including, but not limited to, "bodily injury", "property damage" or "personal and advertising injury", or any other form of relief arises out of the rendering of or the failure to render any "professional services". (3) This exclusion supercedes any conflicting provisions in any other endorsements attached to your Supplemental Policy. B. The following definition is added to the Section F. DEFINITIONS: "Professional services" means any services, including advice, performed by an "insured" for others for a fee, remuneration or other consideration, relating to the profession or professions of such "insured". Form SU 20 70 10 18 Page 1 of 1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FOLLOWING FORM ENDORSEMENT - AUTOMOBILE LIABILITY This endorsement modifies insurance provided under the following: UMBRELLA LIABILITY SUPPLEMENTAL POLICY Except as otherwise stated in this endorsement, the terms and conditions of the Supplemental Policy apply. A. The following is added to Paragraph A.2., Exclusions: Automobile Liability (1) This Supplemental Policy does not apply to liability arising out of the: (a) Ownership; (b) Operation; (c) Maintenance; (d) Use; (e) Entrustment to others; or (f) "Loading or unloading"; Of any "auto" or "customer's auto". This exclusion applies even if the claims against any "insured" allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that "insured", if the "occurrence" which caused the injury or "damage" involved the ownership, maintenance, use, entrustment to others, or "loading or unloading", of any "auto" or "customer's auto". (2) EXCEPTION However, this exclusion does not apply to the extent that the "underlying insurance" provides coverage for such "auto" or "customer's auto" described in the Schedule of Underlying Insurance. Any coverage restored by this EXCEPTION applies: (a) Only to the extent of the coverage provided by the "underlying insurance" and in no event shall this umbrella coverage apply to any claim or "suit" not covered by the "underlying insurance". (b) Only to the extent that such coverage provided by the "underlying insurance" is maintained having limits as set forth in the Extension Schedule of Underlying Insurance; and (c) Only to the extent that any claim or "suit" is otherwise covered by the terms and conditions of this Supplemental Policy. B. The following is added to Section F., DEFINITIONS: "Customer's auto" means a customer's land motor vehicle, trailer or semitrailer while left with you for service, maintenance, repair, storage, parking or safekeeping. "Customer's auto" does not include a customer's land motor vehicle, trailer or semitrailer owned by or rented or loaned to any "insured". Form SU 30 08 10 18 Page 1 of 1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) Insurance Policy Billing Information Thank you for selecting The Hartford for your business insurance needs. Shortly, you will receive your first bill from us. You are receiving this Notice so you know what to expect as a valued customer of The Hartford. Should you have any questions after reviewing this information, please contact us at 866-467-8730, and we will be happy to assist you. o Your total policy premium will appear on your policy's Declarations Page. You will be billed based on the payment plan you selected. o You may pay the "minimum due" as it appears on your insurance bill or pay the policy balance in full. An installment service fee is added to each installment. A late fee will also be applied if the "minimum due" is not received by the due date shown on your bill. Service and late payment fees do not apply in all states. If you selected installment billing, any credit or additional premium due as the result of a change made to your policy, will be spread over the remaining billing installments. Additional premium due as a result of an audit will be billed in full on your next bill date following the completion of the audit. If you elected Electronic Funds Transfer (EFT), policy changes may result in changes to the amount automatically withdrawn from your bank account. The invoice you receive following a policy change will include future withdrawal amounts. If you need to adjust or stop your next scheduled EFT withdrawal, please contact us at least 3 days prior to the scheduled withdrawal date at the telephone number shown below. If you selected installment billing and pay the premiums for your first policy term on time, at renewal, your account may qualify for our "Equal Installment" feature. This means that the percentage due for each installment, including the initial renewal installment, will be the same throughout the policy term — helping you better manage cash flow. Equal installments will continue as long as you pay your premiums on time and no cancellation notices are issued for any policy on your account. If you no longer qualify for Equal Installments, future renewals will be billed based on the payment plan you selected, which includes a higher initial installment amount. If your policy is eligible for renewal, your bill for the upcoming policy term will be sent to you approximately 30 days prior to your policy's renewal date. If your insurance needs change, please contact us at least 60 days prior to your renewal date so we can properly address any adjustments needed. One bill convenience -- you have the option of combining all eligible Hartford policies on one single bill allowing you to make one payment for all policies on your account as payments are due. You're In Control In addition to selecting a bill plan option that best meets your budget, you have the flexibility to decide how your payments are made... o Repetitive EFT: Sign up for Repetitive EFT payments and have payments automatically withdrawn from your bank account. This option saves you money by reducing the amount of the installment service fee. o Pay Online: Register at www.thehartford.com/servicecenter. Online Bill Pay is Quick, Easy and Secure! o Pay by Check: Send a check with your remittance stub in the envelope provided with your bill. o Pay by Phone: Call toll -free 1-866-467-8730. Should you have any questions about your bill, please call Customer Service toll -free number: 1-866-467-8730 - 7AM - 7PM CST. We look forward to being of service to you. Form 100722 11th Rev. Printed in U.S.A. THE HARTFORD COMMON POLICY CONDITIONS DECLARATIONS AND COMMON POLICY CONDITIONS I. DECLARATIONS Named Insured and Mailing Address Policy Period Description and Business Location Coverages and Limits of Insurance II. COMMON POLICY CONDITIONS QUICK REFERENCE - SPECTRUM POLICY A. Cancellation B. Changes C. Concealment, Misrepresentation Or Fraud D. Examination Of Your Books And Records E. Inspections And Surveys F. Insurance Under Two Or More Coverages G. Liberalization H. Premiums I. Transfer Of Your Rights And Duties Under This Policy J. Premium Audit K. Payment of Premiums Form SC 00 00 1018 Beginning on Page 1 2 2 2 2 2 2 2 3 3 3 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD COMMON POLICY CONDITIONS All coverages of this Policy are subject to the following conditions: A. CANCELLATION 1. The first Named Insured shown in the Declarations may cancel this Policy by mailing or delivering to us advance written notice of cancellation. 2. We may cancel this Policy by mailing or delivering to the first Named Insured written notice of cancellation at least: 5 days before the effective date of cancellation if any one of the following conditions exists at any building that is Covered Property in this Policy: (1) The building has been vacant or unoccupied 60 or more consecutive days. This does not apply to: (a) Seasonal unoccupancy; or (b) Buildings in the course of construction, renovation or addition. Buildings with 65% or more of the rental units or floor area vacant or unoccupied are considered unoccupied under this provision. (2) After damage by a Covered Cause of Loss, permanent repairs to the building: (a) Have not started; and (b) Have not been contracted for, within 30 days of initial payment of loss. The building has: (a) An outstanding order to vacate; (b) An outstanding demolition order; or (c) Been declared unsafe by governmental authority. (4) Fixed and salvageable items have been or are being removed from the building and are not being replaced. This does not apply to such removal that is necessary or incidental to any renovation or remodeling. (5) Failure to: (a) Furnish necessary heat, water, sewer service or electricity for 30 consecutive days or more, except during a period of seasonal unoccupancy; or (b) Pay property taxes that are owed and have been outstanding for more than one year following the date due. This provision will not apply where you are in a bona fide dispute with the taxing authority regarding payment of such taxes. b. 10 days before the effective date of cancellation if we cancel for nonpayment of premium. c. 30 days before the effective date of cancellation if we cancel for any other reason. 3. We will mail or deliver our notice to the first Named Insured's last mailing address known to us. 4. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. 5. If this Policy is canceled, we will send the first Named Insured any premium refund due. Such refund will be pro rata. If the first Named Insured cancels, the refund may be less than pro rata. The cancellation will be effective even if we have not made or offered a refund. 6. If notice is mailed, proof of mailing will be sufficient proof of notice. (3) Form SC 00 00 10 18 Page 1 of 3 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD B. CHANGES This Policy contains all the agreements between you and us concerning the insurance afforded. The first Named Insured shown in the Declarations is authorized to make changes in the terms of this Policy with our consent. This Policy's terms can be amended or waived only by endorsement issued by us and made a part of this Policy. C. CONCEALMENT, MISREPRESENTATION OR FRAUD This Policy is void in any case of fraud by you as it relates to this Policy at any time. It is also void if you or any other insured, at any time, intentionally conceal or misrepresent a material fact concerning: 1. This Policy; 2. The Covered Property; 3. Your interest in the Covered Property; or 4. A claim under this Policy. D. EXAMINATION OF YOUR BOOKS AND RECORDS We may examine and audit your books and records as they relate to the Policy at any time during the policy period and up to three years afterward. E. INSPECTIONS AND SURVEYS 1. We have the right but are not obligated to: a. Make inspections and surveys at any time; b. Give you reports on the conditions we find; and c. Recommend changes. 2. Any inspections, surveys, reports or recommendations will relate only to insurability and the premiums to be charged. We do not make safety inspections. We do not undertake to perform the duty of any person or organization to provide for the health or safety of any person. We do not represent or warrant that conditions: a. Are safe or healthful; or b. Comply with laws, regulations, codes or standards. 3. This condition applies not only to us, but also to any rating, advisory, rate service or similar organization which makes insurance inspections, surveys, reports or recommendations on our behalf. F. INSURANCE UNDER TWO OR MORE COVERAGES If two or more of this Policy's coverages apply to the same loss or damage, we will not pay more than the actual amount of the loss or damage. G. LIBERALIZATION If we adopt any revision that would broaden the coverage under this Policy without additional premium within 45 days prior to, or at any time during, the policy period, the broadened coverage will immediately apply to this Policy. H. PREMIUMS 1. The first Named Insured shown in the Declarations: a. Is responsible for the payment of all premiums; and b. Will be the payee for any return premiums we pay. 2. The premium shown in the Declarations was computed based on rates in effect at the time the Policy was issued. If applicable, on each renewal, continuation or anniversary of the effective date of this Policy, we will compute the premium in accordance with our rates and rules then in effect. 3. With our consent, you may continue this Policy in force by paying a continuation premium for each successive policy period. The premium must be: Form SC 00 00 10 18 Page2of3 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD a. Paid to us prior to the anniversary date; and b. Determined in accordance with Paragraph 2. above. Our forms then in effect will apply. If you do not pay the continuation premium, this Policy will expire on the first anniversary date that we have not received the premium. 4. Changes in exposures or changes in your business operation, acquisition or use of locations that are not shown in the Declarations may occur during the policy period. If so, we may require an additional premium. That premium will be determined in accordance with our rates and rules then in effect. I. TRANSFER OF YOUR RIGHTS AND DUTIES UNDER THIS POLICY 1. Your rights and duties under this Policy may not be transferred without our written consent except in the case of death of an individual Named Insured. 2. If you die, your rights and duties will be transferred to your legal representative but only while acting within the scope of duties as your legal representative. Until your legal representative is appointed, anyone having proper temporary custody of your property will have your rights and duties but only with respect to that property. J. PREMIUM AUDIT 1. We will compute all premiums for this Policy in accordance with our rules and rates. 2. The premium amount shown in the Declarations is a deposit premium only. At the close of each policy period, we may do an audit to compute the earned premium for that period. Any additional premium found to be due as a result of the audit are due and payable on notice to the first Named Insured. If the deposit premium paid for the policy term is greater than the earned premium, we will return the excess to the first Named Insured. 3. The first Named Insured must maintain all records related to the coverage provided by this Policy and necessary to finalize the premium audit, and send us copies of the same upon our request. K. PAYMENT OF PREMIUMS If your initial premium payment is by check draft, electronic funds transfer, credit card, debit card, or any other form of remittance, coverage under the Policy is conditioned on payment to us by the financial institution. If the financial institution does not honor such remittance upon presentment, this policy may, at our option, be deemed void from its inception. Our President and Secretary have signed this Policy. Where required by law, the Declarations page has also been countersigned by our duly authorized representative. Kevin Barnett, Secretary A. Morris Tooker, President Form SC 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) Page 3 of 3 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD COLORADO CHANGES - COMMON POLICY CONDITIONS This endorsement modifies insurance provided under the following: COMMON POLICY CONDITIONS Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. Paragraph 2. of Section A., CANCELLATION, is deleted and replaced by the following: 2. If this policy has been in effect for: Less than 60 days, we may cancel this Policy by mailing or delivering to the first Named Insured written notice of cancellation at least: (1) 10 days before the effective date of cancellation if we cancel for nonpayment of premium; or (2) 30 days before the effective date of cancellation if we cancel for any other reason. b. 60 days or more, or is a renewal of a policy we issued, we may cancel this Policy by mailing through first- class mail to the first Named Insured written notice of cancellation: (1) Including the actual reason, at least 10 days before the effective date of cancellation, if we cancel for nonpayment of premium; or (2) At least 45 days before the effective date of cancellation if we cancel for any other reason. (a) We may only cancel this Policy based on one or more of the following reasons: (i) Nonpayment of premium; (ii) 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 that indicated in the application and underwritten as of the effective date of the policy unless the first Named Insured has notified us of the change and we accept such change. B. Section C., CONCEALMENT, MISREPRESENTATION, OR FRAUD, is deleted and replaced by the following: CONCEALMENT, MISREPRESENTATION, OR FRAUD We will not pay for any loss or damage in any case of: 1. Concealment or misrepresentation of a material fact; or 2. Fraud committed by you or any other insured at anytime and relating to coverage under this Policy. C. The following provision is added: NONRENEWAL If we decide not to renew this Policy, we will mail through first-class mail to the first Named Insured shown in the Declarations written notice of the nonrenewal at least 45 days before the expiration date, or its anniversary date if it is a policy written for a term of more than one year or with no fixed expiration date. If notice is mailed, proof of mailing will be sufficient proof of notice. D. The following provision is added: INCREASE IN PREMISE OR DECREASE IN COVERAGE We will not increase the premium unilaterally or decrease the coverage benefits on renewal of this Policy unless we mail through first-class mail written notice of our intention, including the actual reason, to the first Named Insured's last mailing address known to us, at least 45 days before the effective date. Any decrease in coverage during the policy term must be based on one or more of the following reasons; 1. Nonpayment of premium; Form SC 01 0510 18 Page 1 of 2 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD 2. A false statement knowingly made by the insured on the application for insurance; or 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 first Named Insured has notified us of the change and we accept such change. If notice is mailed, proof of mailing will be sufficient proof of notice. Form SC 01 05 10 18 Page 2 of 2 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THE4 HARTFORD PRODUCER COMPENSATION NOTICE You can review and obtain information on The Hartford's producer compensation practices at www.TheHartford.com or at 1-800-592-5717. Form SC 50 31 10 18 Page 1 of 1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD DISCLOSURE/CAP ON LOSSES - TERRORISM RISK INSURANCE ACT THIS ENDORSEMENT IS ATTACHED TO AND MADE PART OF YOUR POLICY IN RESPONSE TO THE DISCLOSURE REQUIREMENTS OF THE TERRORISM RISK INSURANCE ACT. POLICY NUMBER: 10 SBA AS2FZM SCHEDULE Terrorism Premium: $21 A. Disclosure Of Premium In accordance with the federal Terrorism Risk Insurance Act, as amended (TRIA), we are required to provide you with a notice disclosing the portion of your premium, if any, attributable to coverage for "certified acts of terrorism" under TRIA. The portion of your premium attributable to terrorism coverage is shown in the above Schedule of this endorsement. B. The following definition is added with respect to the provisions of this endorsement 1. A "certified act of terrorism" means an act that is certified by the Secretary of the Treasury, in accordance with the provisions of TRIA, to be an act of terrorism under TRIA. The criteria contained in TRIA for a "certified act of terrorism" include the following: a. The act results in insured losses in excess of $5 million in the aggregate, attributable to all types of insurance subject to TRIA; and b. The act results in damage within the United States, or outside the United States in the case of certain air carriers or vessels or the premises of an United States mission; and 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. C. Disclosure Of Federal Share Of Terrorism Losses The United States Department of the Treasury will reimburse insurers for 80% of insured losses attributable to "certified acts of terrorism" under TRIA that exceeds the applicable insurer deductible. However, if aggregate industry insured losses attributable to "certified acts of terrorism" under TRIA), 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. The United States government has not charged any premium for their participation in covering terrorism losses. D. Cap On Insurer Liability for Terrorism Losses If aggregate industry insured losses attributable to "certified acts of terrorism" under TRIA exceed $100 billion in a calendar year and we have met, or will meet, our insurer deductible under TRIA, we shall not be liable for the payment of any portion of the amount of such losses that exceed $100 billion. In such case, your coverage for terrorism losses may be reduced on a pro -rata basis in accordance with procedures established by the Treasury, based on its Form SC 70 00 12 20 Page 1 of 2 Process Date: 03/11/2025 © 2020, The Hartford Policy Expiration Date: 04/20/2026 (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD estimates of aggregate industry losses and our estimate that we will exceed our insurer deductible. In accordance with the Treasury's procedures, amounts paid for losses may be subject to further adjustments based on differences between actual losses and estimates. E. Application of Other Exclusions The terms and limitations of any terrorism exclusion, the inapplicability or omission of a terrorism exclusion, or the inclusion of terrorism coverage, do not serve to create coverage for any loss which would otherwise be excluded under this Coverage Form, Coverage Part or Policy, such as losses excluded by any pollution, pathogenic, nuclear hazard or war exclusions. F. All other terms and conditions remain the same. Form SC 70 00 12 20 Page 2 of 2 Process Date: 03/11/2025 © 2020, The Hartford Policy Expiration Date: 04/20/2026 (May include copyrighted material of Insurance Services Office, Inc., with its permission) THE" HARTFORD U.S. DEPARTMENT OF THE TREASURY, OFFICE OF FOREIGN ASSETS CONTROL ("OFAC") ADVISORY NOTICE TO POLICYHOLDERS No coverage is provided by this Policyholder Notice nor can it be construed to replace any provisions of your policy. You should read your policy and review your Declarations page for complete information on the coverages you are provided. This Notice provides information concerning possible impact on your insurance coverage due to directives issued by the United States. Please read this Notice carefully. The Office of Foreign Assets Control ("OFAC") of the U.S. Department of the Treasury administers and enforces economic and trade sanctions based on U.S. foreign policy and national security goals against targeted foreign countries and regimes, terrorists, international narcotics traffickers, those engaged in activities related to the proliferation of weapons of mass destruction, and other threats to the national security, foreign policy or economy of the United States. OFAC acts under Presidential national emergency powers, as well as authority granted by specific legislation, to impose controls on transactions and freeze assets under U.S. jurisdiction. OFAC publishes a list of individuals and companies owned or controlled by, or acting for or on behalf of, targeted countries. It also lists individuals, groups, and entities, such as terrorists and narcotics traffickers designated under programs that are not country -specific. Collectively, such individuals and companies are called "Specially Designated Nationals and Blocked Persons" or "SDNs". Their assets are blocked and U.S. persons are generally prohibited from dealing with them. This list can be located on OFAC's web site at — http//www.treas.gov/ofac. In accordance with OFAC regulations, if it is determined that you or any other insured, or any person or entity claiming the benefits of this insurance has violated U.S. sanctions law or is an SDN, as identified by OFAC, the policy is a blocked contract and all dealings with it must involve OFAC. When an insurance policy is considered to be such a blocked or frozen contract, no payments nor premium refunds may be made without authorization from OFAC. Form SC 90 1510 18 Pagel of © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD TRADE OR ECONOMIC SANCTIONS ENDORSEMENT POLICY NUMBER: 10 SBA AS2FZM NAMED INSURED: Transcription Outsourcing, LLC DBA Ditto Transcripts COMPANY NAME: Hartford Underwriters Insurance Company EFFECTIVE DATE: 04/20/2025 EXPIRATION DATE: 04/20/2026 This insurance does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit us from providing insurance, including, but not limited to, the payment of claims. All other terms and conditions remain unchanged. Form SC 90 161018 Page 1 of 1 Process Date: 03/11/2025 © 2018, The Hartford Policy Expiration Date: 04/20/2026 (May include copyrighted material of Insurance Services Office, Inc., with its permission) FRAUD NOTICE The following statement is added to the policy: CALIFORNIA NOTICE: For your protection California law requires the following to appear on this form: Any person who knowingly presents false or fraudulent information to obtain or amend insurance coverage or to make a claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison. COLORADO NOTICE: It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance, and civil damages. Any insurance company or agent of an insurance company who knowingly provides false, incomplete, or misleading facts or information to a policy holder or claimant for the purpose of defrauding or attempting to defraud the policy holder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the Colorado division of insurance within the department of regulatory agencies. NEW YORK NOTICE: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto, and any person who, in connection with such application or claim, knowingly makes or knowingly assists, abets, solicits or conspires with another to make a false report of the theft, destruction, damage or conversion of any motor vehicle to a law enforcement agency, the department of motor vehicles or an insurance company, commits a fraudulent insurance act, which is a crime, and shall also be subject to a civil penalty not to exceed five thousand dollars and the value of the subject motor vehicle or the stated value of the claim for each such violation. PENNSYLVANIA NOTICE: Any person who knowingly and with intent to injure or defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false, incomplete, or misleading information or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties, including imprisonment for up to seven years and payment of a fine of up to $15,000. Form G-4190-0 (ED. 11/22) Page 1 of 1 © 2022, The Hartford GOODS AND SERVICES ENDORSEMENT We may offer or make "goods or services" available to you through this underwriting company, a non -insurer subsidiary, or unaffiliated third parties as a part of this policy. The "goods or services" may be provided for a charge, at a discount, on a subsidized basis, or free of charge. In some cases, we may receive a fee from the unaffiliated third parties that provide "goods or services". We do not warrant or guarantee the "goods or services" provided by third parties, and such third parties shall be solely liable and responsible for the "goods or services" they provide. The "goods or services" offered or made available by us may be modified or discontinued at any time. "Goods or services" means goods, products or services, including but not limited to risk mitigation, safety, and/or loss prevention services or equipment. Form IH 12 05 02 21 Page 1 of 1 © 2021, The Hartford trctF. Entity Information Entity Name* DITTO TRANSCRIPTS Entity ID* @00049247 ❑ New Entity? Contract Name* Contract ID DITTO TRANSCRIPTS PROFESSIONAL SERVICES 9985 AGREEMENT Contract Status CTB REVIEW Contract Lead * SADAMS Contract Lead Email sadams@weld.gov;cobbx xlk@weld.gov Parent Contract ID Requires Board Approval YES Department Project # Contract Description* DITTO TRANSCRIPTS PROFESSIONAL SERVICES AGREEMENT TO PROVIDE GENERAL TRANSCRIPTION AND LEGAL TRANSCRIPTION SERVICES. TERM: 11/01/2025 THROUGH 10/31/2026. Contract Description 2 PA ROUTING THROUGH THE NORMAL PROCESS. ETA TO CTB IS 10/14/2025. Contract Type* Department Requested BOCC Agenda Due Date AGREEMENT HUMAN SERVICES Date* 10/25/2025 10/29/2025 Department Email CM- Will a work session with BOCC be required?* HumanServices@weld.gov NO Amount* $0.00 Renewable" NO Automatic Renewal Grant IGA Department Head Email CM-HumanServices- DeptHead@weld.gov County Attorney GENERAL COUNTY ATTORNEY EMAIL County Attorney Email CM- COUNTYATTORNEY@WEL D.GOV If this is a renewal enter previous Contract ID If this is part of a MSA enter MSA Contract ID Does Contract require Purchasing Dept. to be included? 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 Contact Info Review Date * 08/31/2026 Committed Delivery Date Renewal Date Expiration Date* 10/31/2026 Contact Name Contact Type Contact Email Contact Phone 1 Contact Phone 2 Purchasing Purchasing Approver Purchasing Approved Date Approval Process Department Head JAMIE ULRICH DH Approved Date 10/15/2025 Final Approval BOCC Approved BOCC Signed Date BOCC Agenda Date 10/29/2025 Finance Approver RUSTY WILLIAMS Legal Counsel BYRON HOWELL Finance Approved Date Legal Counsel Approved Date 10/16/2025 10/16/2025 Tyler Ref* AG 102925 Originator, SADAMS Hello