DERR-2024-004508

COMMERCIAL INSURANCE
A Custom Insurance Policy Prepared for:
Presented by:
Report Claims Immediately by Calling*
1-800-238-6225
Speak directly with a claim professional
24 hours a day, 365 days a year
Written*Unless Your Policy Requires Notice or Reporting
D & A MCRAE INC
59 WEST 1520 NORTH
PO BOX 570238
SIGURD UT 84657
COTTINGHAM & BUTLER
COUNTERSIGNED BY:
Authorized Representative
DATE:
TRAVELERS CORP. TEL: [phone]
COMMERCIAL INLAND MARINE
COMMON POLICY DECLARATIONS
ISSUE DATE: 06/06/23
POLICY NUMBER: QT-630-6J74997A-TIL-23
INSURING COMPANY:
TRAVELERS PROPERTY CASUALTY COMPANY OF AMERICA
1. NAMED INSURED AND MAILING ADDRESS:
D & A MCRAE INC (AS PER IL T8 00)
59 WEST 1520 NORTH
PO BOX 570238
SIGURD, UT 84657
2. POLICY PERIOD: From 06/01/23 to 06/01/24 12:01 A.M. Standard Time at
your mailing address.
3. LOCATIONS
Premises Bldg.
Loc. No. No. Occupancy Address
SEE IL T0 03
4. COVERAGE PARTS FORMING PART OF THIS POLICY AND INSURING COMPANIES:
DELUXE PROPERTY COVERAGE PART DECLARATIONS DX T0 00 11 12 TIL
COMMERCIAL INLAND MARINE COV PART DECLARATIONS CM T0 01 07 86 TIL
5. NUMBERS OF FORMS AND ENDORSEMENTS
FORMING A PART OF THIS POLICY: SEE IL T8 01 10 93
6. SUPPLEMENTAL POLICIES: Each of the following is a separate policy
containing its complete provisions:
Policy Policy No. Insuring Company
DIRECT BILL
7. PREMIUM SUMMARY:
Provisional Premium $ 53,336
Due at Inception $
Due at Each $
NAME AND ADDRESS OF AGENT OR BROKER:
COTTINGHAM & BUTLER (CNC20)
800 MAIN ST
DUBUQUE, IA 52001
IL T0 02 11 89(REV. 09-07) PAGE 1 OF 1
OFFICE: ST PAUL
POLICY NUMBER:
EFFECTIVE DATE:
ISSUE DATE:
IL T8 01 10 93
QT-630-6J74997A-TIL-23
06-01-23
06-06-23
LISTING OF FORMS, ENDORSEMENTS AND SCHEDULE NUMBERS
THIS LISTING SHOWS THE NUMBER OF FORMS, SCHEDULES AND ENDORSEMENTS
BY LINE OF BUSINESS.
IL T0 02 11 89 COMMON POLICY DECLARATIONS
IL T8 01 10 93 FORMS, ENDORSEMENTS AND SCHEDULE NUMBERS
IL T3 18 05 11 COMMON POLICY CONDITIONS-DELUXE
IL T0 03 04 96 LOCATION SCHEDULE
IL T8 00 GENERAL PURPOSE ENDORSEMENT
DELUXE PROPERTY
DX T0 00 11 12 DELUXE PROP COV PART DECLARATIONS
DX 00 03 07 94 DELUXE PROP COV PART SCHED-SPECIF LIMITS
DX 00 04 11 12 TABLE OF CONTENTS - DELUXE PROP COV PART
DX T1 00 11 12 DELUXE PROPERTY COVERAGE FORM
DX T1 01 11 12 DELUXE BI (AND EE) COVERAGE FORM
DX T3 19 11 12 CAUSES OF LOSS-EQUIPMENT BREAKDOWN
DX T3 39 11 12 DELUXE ORDINANCE OR LAW COVERAGE
DX T3 62 11 12 ADDITIONAL COVERED PROPERTY
DX T3 85 11 12 UTILITY SERVICES-DIRECT DAMAGE
DX T3 86 11 12 UTILITY SERVICES-TIME ELEMENT
DX T4 02 01 21 FEDERAL TERRORISM RISK INSURANCE ACT DIS
DX T3 45 11 13 UTAH CHANGES
DX T3 98 04 02 ELECTRONIC VANDALISM LIMITATION ENDT
INLAND MARINE
CM B0 15 01 11 CARRIERS CARGO PAK COVERAGE FORM DEC
CM B0 72 02 18 MISC PROPERTY COVERAGE FORM DEC
CM B0 73 01 16 MISCELLANEOUS PROPERTY ITEM SCHEDULE
CM B0 21 02 14 LOCATION SCHEDULE
CM T0 11 08 05 TABLE OF CONTENTS
CM 00 01 09 04 COMMERCIAL INLAND MARINE CONDITIONS
CM T2 09 01 11 CARRIERS CARGO PAK COVERAGE FORM
CM T2 39 01 16 MISCELLANEOUS PROPERTY COVERAGE FORM
CM T8 00 GENERAL PURPOSE ENDORSEMENT
CM T3 98 01 21 FEDERAL TERRORISM RISK INSURANCE ACT DIS
CM T5 83 02 14 CONTRACT PENALTIES
CM T5 93 02 14 EARTH MOVEMENT COVERAGE CHANGES
CM T5 94 02 14 SPECIFIED COMMODITIES SUB-LIMITS OF INS
CM T7 58 01 16 EARTHQUAKE EXCLUSION
CM T7 63 01 16 FLOOD EXCLUSION
CM U5 33 09 17 ADDITIONAL COVS-INCREASED LIMITS OF INS
CM U5 37 09 17 CONTRACTUAL OBLIGATION TO ANOTHER ENTITY
CM U5 36 09 17 DISHONEST ACTS,INCLUDING EMPLOYEES, EXCL
CM 01 13 09 00 UTAH CHANGES
PAGE: 1 OF 2
POLICY NUMBER:
EFFECTIVE DATE:
ISSUE DATE:
IL T8 01 10 93
QT-630-6J74997A-TIL-23
06-01-23
06-06-23
INTERLINE ENDORSEMENTS
IL T0 63 07 22 ACTUAL CASH VALUE
IL T4 12 03 15 AMNDT COMMON POLICY COND-PROHIBITED COVG
IL T4 14 01 21 CAP ON LOSSES FROM CERT ACTS OF TERRORIS
IL T4 27 06 19 ADDITIONAL BENEFITS
IL T4 40 10 20 PROTECTION OF PROPERTY
IL T3 82 05 13 EXCL OF LOSS DUE TO VIRUS OR BACTERIA
IL F1 00 02 20 CA CHANGES - REPLACEMENT COST
IL F1 44 07 20 CA CHANGES
IL 01 02 02 20 CA CHANGES - ACTUAL CASH VALUE
IL F0 32 02 20 CA CHANGES - ACTUAL CASH VALUE
IL T3 55 05 13 EXCLUSION OF CERTAIN COMPUTER LOSSES
IL T9 46 07 21 UT CHANGES - CANCELLATION AND NONRENEWAL
POLICYHOLDER NOTICES
PN T1 89 02 23 JURISDICTIONAL INSP & CONTACT INFO REQ
PAGE: 2 OF 2
COMMON POLICY CONDITIONS – DELUXE
All Coverage Parts included in this policy are subject to the following conditions.
A.CANCELLATION C.EXAMINATION OF YOUR BOOKS AND RE-
CORDS1.The first Named Insured shown in the Decla-
rations may cancel this policy by mailing or We may examine and audit your books a nd re-
delivering to us advance written notice of cords a s they relate to this polic y at any time dur-
cancellation.ing the policy period and up to three years after-
ward.2.We may cancel this policy by mailing or deliv-
D.INSPECTIONS AND SURVEYSering to the first Named Insured written notice
of cancellation at least:1.We have the right but not obligated to:
a.10 days b efore the effective date of can-a.Make inspections and surveys at anycellation if we cancel for nonpayment of time;premium; or b.Give you reports on the conditions web.60 days b efore the effective date of can-find; andcellation if we cancel for any other rea-c.Recommend changes.son.
2.We are not obligated to make any inspec-3.We will mail or deliver our notice to the first tions, surveys, reports or recommendationsNamed Insured's last mailing addres s kno wn and any such actions we do u ndertake re-to us.lated only to insurability and the premiums to4.Notice of cancellation will state the effective be charged. We do not make safety inspec-date of cancellation.If the policy is cancelled,tions. We do not undertake to perform thethat date will become the end of the policy pe-duty of any person or organization to provideriod. If a Coverage Part is cancelled, that date for the health or safety of workers or the pub-will become the end of the policy period as lic. And we do not warrant that conditions:respects that Coverage Part only.a.Are safe or healthful; orCancellation will not affect coverage on any b.Comply with laws, regulations, codes orshipmentin transit on the date of the cancel-standard s.lation. Coverage will continue in full force until
such property is delivered and accepted.3.Paragraphs 1.and 2.of this condition appl y
not only to us, but also to any rating, advisory,5.If this policy or any Coverage Part is can-rate service or similar organization whichcelled, we will send the first Named Insured makes insurance inspections, surveys, re-any premium refund due. If we cancel, the re-ports or recommendations.fund will be pro rata. If the first Named In-
sured cancels, the refund may be less than 4.Paragraph 2.of this condi tion does not apply
pro rata. The cancellation will be effective to any inspections, surveys, reports or rec-
even if we have not made or offered a refund.ommendations we may make relative to certi-
fication, under state or municipal statutes, or-6.If notice is mailed, proof of mailing will be suf-dinances or regulations, of boilers, pressureficient proof of notice.vessels or elevators.B.CHANGES E.PREMIUMSThis policy contains all the agreements between 1.The first Named Insured shown in the Decla-you and us concerning the insurance afforded.rations:The first Named Insured shown in the Declara-
tions is authorized to make changes in the terms a.Is respon sible for the payment of all pre-
of this policy with our con sent. This policy's terms miums; and
can be amended or waived only by endorsement b.Will be the payee for any return premiumsissued by u s and made a part of this policy.we pay.
2.We compute all premiums for this policy in
accordance with our rules, rates, rating plans,
IL T3 18 05 11 Includes copyrighted material of Insurance Services Offic e, Inc. with its permission.Page 1 of 2(Rev. 09-18)
1.The Commercial Property Coverage Part;premiums and minimum premiums. The pre-
mium shown in the Declarations was com-2.The Commercial Inland Marine Coverageputed based o n rates and rules in effect at the Part;time the policy was issued. On each rene wal 3.Commercial Property forms including, but notcontinuation or anniversary of the effective limited to, the following:date of this policy, we will compute the pre-
mium in accordance with our rates and rules a.Building and Personal Property Coverage
then in effect.Form;
F.TRANSFER OF YOUR RIGHTS AND DUTIES b.Business Income Coverage Form;
UNDER THIS POLICY c.Commercial Property Conditions;
Your rights and duties und er this policy may not d.Causes of Loss – Special Form;be transferred without our written consent except e.Causes of Loss – Earthquake Form.in the case of death of an individual named in-
sured.4.Commercial Inland Marine Forms including
but not limited to the Transportation CoverageIf you die, your rights and duties will be trans-– Special Formferred to your legal representative but only while
acting within the scope of duties as your legal Endorsements referencing the Commercial
representative. Until your legal representative is Property Coverage Part, Commercial Inland
appointed, anyone having proper temporary cus-Marine Coverage Part, Commercial Property
tody of your property will have your rights and du-Forms, or Commercial Inland Marine Forms
ties but only with respect to that property.apply to the Deluxe Property Coverage Forms
in the same manner as they apply to theG.WHEN WE DO NOT RENEW Forms they reference.If we decide not to renew this policy we will mail I.INSURANCE UNDER TWO OR MORE COVER-or deliver to the first Named Insured shown in the AGE PARTSDeclarations written notice of the nonrene wal not
less than 60 days before the expiration date.If two or more of this policy's Coverage Parts ap-
ply to the same loss or damage, we will not payH.DELUXE PROPERTY COVERAGE PART-more than the actual amount of the loss or dam-REFERENCE TO FORMS AND ENDORSE-age.MENTS
In some instances, the Deluxe Property Declara-
tions may list endorsements included in the De-
luxe Property Coverage Part that reference:
This policy consists of the Common Policy Declarations and the Coverage Parts and endorsements listed in that
declarations form.
In return for payment of the premium, we agree with the Named Insured to provid e the insurance afforded by a
Coverage Part forming part of this policy. That insurance will be provided by the company indicated as insuring
company in the Common Policy Declarations by the abbreviation of its name opposite that Coverage Part.
One of the companies listed below (each a stock company) has executed this policy,and this policy is counter-
signed by the officers listed below:
The Travelers Indemnity Company (IND)
The Phoenix Insurance Company (PHX)
The Charter Oak Fire Insurance Company (COF)
Travelers Property Casualty Company of America (TIL)
The Travelers Indemnity Company of Connecticut (TCT)
The Travelers Indemnity Company of America (TIA)
Travelers Casualty Insurance Company of America (ACJ)
Secretary President
Page 2 of 2 Includes copyrighted material of Insurance Services Offic e, Inc. with its permission.IL T3 18 05 11 (Rev. 09-18)
LOCATION SCHEDULE POLICY NUMBER:
This Schedule of Locations and Buildings applies to the Common Policy Declarations for the period
to .
Loc.Bldg.
Address OccupancyNo.No.
IL T0 03 04 96 Page
QT-630-6J74997A-TIL-23
06-01-23 06-01-24
1 1 59 WEST 1520 NORTH TERMINAL
SIGURD, UT 84657
1 2 59 W1520 N OFFICE
SIGURD, UT 84657
2 3 2690 W 2000 S OFFICE/SHOP
ROOSEVELT, UT 84066
3 4 1355 KERN ST, #B OFFICE/SHOP
TAFT, CA 93268
1 (END)
POLICY NUMBER:GENERAL PURPOSE ENDORSEMENT
Page
QT-630-6J74997A-TIL-23
ITEM 1 NAME INSURED TO READ
D & A MCRAE INC
HMB REAL ESTATE LLC
IL T8 00 1
DELUXE PROPERTY
DELUXE PROPERTY
DELUXE PROPERTY COVERAGE POLICY NUMBER:
PART DECLARATIONS ISSUE DATE:
DX T0 00 11 12
PRODUCER:OFFICE:
DELUXE PROPERTY COVERAGE POLICY NUMBER:
PART DECLARATIONS ISSUE DATE:
DX T0 00 11 12
PRODUCER:OFFICE:
DELUXE PROPERTY COVERAGE POLICY NUMBER:
PART DECLARATIONS ISSUE DATE:
DX T0 00 11 12
PRODUCER:OFFICE:
DELUXE PROPERTY COVERAGE POLICY NUMBER:
PART DECLARATIONS ISSUE DATE:
DX T0 00 11 12
PRODUCER:OFFICE:
DELUXE PROPERTY COVERAGE POLICY NUMBER:
PART DECLARATIONS ISSUE DATE:
DX T0 00 11 12
PRODUCER:OFFICE:
DELUXE PROPERTY COVERAGE POLICY NUMBER:
PART DECLARATIONS ISSUE DATE:
DX T0 00 11 12
PRODUCER:OFFICE:
POLICY NUMBER:ISSUE DATE:
D ELUXE PROPERTY COVERAGE PART SCHEDULE -
SPECIFIC LIMITS
DX 00 03 07 94
PRODUCER:OFFICE:
Prem. Bldg.
No. No.
Description of Coverage
or Property
Limits of
Insurance
TABLE OF CONTENTS
DELUXE PROPERTY COVERAGE PART
The following indicates the contents of the principal Forms which may be attached to your policy.It contains n o
reference to the Declarations or Endorsements which also may be attached.
Begins on
DELUXE PROPERTY COVERAGE FORM Page
1A.Coverage
B.Covered Causes of Loss 18
18C.Exclusions
D.Limitations 26
E.Limits of Insurance 27
28F.Deductible
G.Loss Conditions 28
34H.Additional Conditions
I.Optional Coverages 35
J.Definitions 36
DELUXE BUSINESS INCOME (AND EXTRA EXPENSE) COVERAGE FORM
A.Coverage 1
B.Exclusions and Limitation 8
C.Limits of Insurance 9
D.Deductible 9
10E.Loss Conditions
F.Optional Coverages 11
G.Definitions 12
DELUXE BUSINESS INCOME (WITHOUT EXTRA EXPENSE) COVERAGE FORM
A.Coverage 1
7B.Exclusions and Limitation
C.Limits of Insurance 8
8D.Deductible
E.Loss Conditions 9
F.Optional Coverages 10
G.Definitions 10
DELUXE EXTRA EXPENSE COVERAGE FORM
A.Coverage 1
B.Exclusions 6
C.Limits of Insurance 6
6D.Loss Conditions
E.Optional Coverages 7
8F.Definitions
DX 00 04 11 12 Page 1 of 1
Includes copyrighted material of Insurance Services Office, Inc. with its permission
© 2011 The Travelers Company. All rights reserved.
DELUXE 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 policy the words "you" and "your" refer to the Named Insured shown in the Declarations. The
words "we","us" and "our" refer to the Company providing this insurance.
Other word s and phra ses that appear in q uotation marks have special meaning. REFER TO SECTION J.– DEFI-
NITIONS.
A.COVERAGE (h)Building systems and equipment
including alarm, communication,We will pay for direct physical loss of or damage security and monitoring devices;to Covered Property caused by or resulting from a andCovered Cause of Loss.
(7)If not covered by other insurance:1.Covered Property
(a)Additions under construction, al-Covered Property, as used in this Coverage terations and repairs to the build-Part, means each of the following types of ing or structure; andproperty described in this Section A.1., and
limited in Section A.2., Property and Costs (b)Materials, equipment, supplies
Not Covered, if a Limit of Insurance is shown and temporary structures, on or
in the Declarations for that type of property.within 1,000 feet of the described
premises, used for making addi-a.Building(s), meaning the designated tions, alterations or repairs to thebuilding or structure at the premises de-buildings or structures.scribed in the Declarations, including:
b.Your Business Personal Property lo-(1)Completed additions;cated in or on the de signated building or(2)Fixtures, including outdoor fixtures;structure at the premises de scribed in the
Declarations or in the open (or in a vehi-(3)Foundations;
cle) within 1,000 feet of the described(4)Glass that is a part of the building or premises, con sisting of the followingstructure;unless other wise specified in the Declara-(5)Machinery and equipment perma-tions:nently attached to the building or (1)Furniture and fixtures;structure;
(2)Machinery and equipment (including(6)Personal property owned by you that "electronic data processing equip-is used to maintain or service the ment");building or structure or its premises,
(3)"Stock";including:
(4)All other personal property owned by(a)Fire extinguishing equipment;
you and used in your busines s;(b)Outdoor furniture;
(5)Labor, materials or services furnished(c)Floor coverings;or arranged by you on personal prop-(d)Lobby and hallway furnishings erty of others;owned by you;(6)Your use intere st as ten ant in im-(e)Appliances used for refrigerating,provements and betterments. Im-ventilating, cooking, dishwa shing provements and betterments are fix-or laundering;tures, alterations, installations or ad-
ditions:(f)Lawn maintenance and snow re-
moval equipment;(a)Made a part of the building or
structure you occupy or lease but(g)Heating, air conditioning and ven-
do not own; andtilation equipment; and
DX T1 00 11 12 Page 1 of 38© 2011 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
(b)You acquired or made at your (c)The installation is abandon ed by
expense, but cannot legally re-you;
move;(d)The property is more specifically
(7)Leased perso nal property for which insured; or
you have a contractual responsibility (e)This policy is cancelled or ex-to insure, unless other wise insured pires, whichever occurs first; orunder Personal Property of Others;(3)Is temporarily at any other premisesandnot described in the Declarations,(8)Building glass that is not a tenant im-which you do not o wn, lease or regu-provement and betterment but which,larly operate.as a tenant, you are contractually re-Coverage does not include Sales Repre-quired to insure under a written lease sentative Property as defined in Para-agreement.graph A.1.f.below.c.Personal Property of Others meaning e.Personal Property in Transit as follows:others' per sonal property in your care,
custody, or control that is located in or on (1)This coverage for Personal Property
the designated building or structure at the in Transit applies to:
premises de scribed in the Declarations or (a)Your Busines s Personal Prop-in the open (or in a vehicle) within 1,000 erty; andfeet of the described premises.(b)Personal Property of Others;However, our payment for loss of or away from the described premisesdamage to Personal Property of Others while in transit between points withinwill only be for the account of the owner the Coverage Territory.of the property.
(2)Unless a mode of transportation ord.Personal Property At Undescribed type of shipment is specifically ex-Premises meaning Your Busines s Per-cluded in the Declarations or by en-sonal Property and Per sonal Property of dorsement, this coverage applies toOthers in your care, custody or control property in transit being shipped bythat:any type of carrier or vehicle.(1)Is at "exhibition" premises located (3)This coverage applies from the timeworldwide including while in transit to the property leaves the premisesand from the "exhibition" premises where the shipment begins until theprovided that no trade sanction, em-shipment arrives at its final destina-bargo or similar regulation imposed tion.If the property is not delivered,by the United States of America pro-we cover the return of the property tohibits us from covering the loss or you, including while the property isdamage;temporarily held by the receiver or(2)Is at installation premises or tempo-the carrier while awaiting returnrary storage premises while awaiting shipment to you.installation that you do not own, lea se (4)Subject to the Limit of Insurance thator regularly operate.This coverage applies to the Personal Property inapplies only to such property that will Transit coverage, we will also pay for:or has become a permanent part of
an installation project being per-(a)Any general average or salvage
formed for others by you or on your charges you incur as respects
behalf.This coverage will end when losses to covered waterborne
any of the following first occurs:shipments;
(a)Your interest in the property (b)Your interest in covered ship-
ceases;ments sold Free On Board if you
cannot collect payment for the(b)The installation is accepted by loss or damage from the con-the customer;signee; and
Page 2 of 38 DX T1 00 11 12© 2011 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
(c)Loss of or damage to Covered d.Automobiles, motorcycles, motor trucks,
Property resulting from the unin-motor homes and similar vehicles held for
sale, lease, loan or rent;tentional acceptance of any
fraudulent Bill of Lading, order or e.Bulkheads, pilings, piers, wharves, docks,shipping receipt by you, your em-dikes or dams;ployees or authorized representa-f.Contraband or property in the course of il-tives or by your agent, customer legal transportation or trade;or consignee from anyone repre-g."Electronic data processing data and me-senting themselves to be the
dia" that is obsolete or no longer used byproper per son to receive goods
you;for shipment or accept goods for
delivery.h."Employee tools" except as provided in
the Employee Tools Coverage Extension;(5)This coverage does not apply to:
i.Export and import shipments while cov-(a)Accounts receivable;
ered under an ocea n marine cargo or(b)"Employee tools";other insurance policy;(c)"Fine arts";j."Fine arts", except as provided in the(d)Sales representative property;Personal Effects and Fine Arts Coverage
Extensions;(e)Personal property in transit to or
from an "exhibition" site; or k.Harvested grain, hay, straw or other
crops while outside of buildings, growing(f)"Valuable papers and records".
crops or standing timber;f.Sales Representative Property meaning l.Human body parts and fluids includinggoods or merchandise which are Your
organs, tissue, blood and cells;Busines s Per sonal Property and Per sonal
Property of Others in the custody of inde-m.Land, whether in its natural state or oth-
pendent contractors whom you authorize erwise (including land on which the prop-
to sell such goo ds or merchandise. This erty is located), land improvements or the
coverage applies worldwide while the cost of restoring or stabilizing land;
property is:n.Personal property sold by you under an(1)At any premises a way from the de-installment plan, conditional sale, trust
scribed premises; or agreement or other deferred payment
plan after delivery to the purchasers ex-(2)In transit;
cept as provided in the Deferred Pay-provided that no trade sanction, embargo ments Coverage Ex ension;tor similar regulation imposed by the o.Property of others for which you are re-United States of America prohibits us
sponsible while acting as a common orfrom covering the loss or damage.
contract carrier, car-loader,freight for-2.Property and Costs Not Covered warder, freight consolidator, freight bro-
Unless the following property is added by en-ker, shipping association or similar ar-
dorsement to this Coverage Form, Covered ranger of transportation, or as a public
Property does not include:warehou seman;
a.Accounts, bills, currency, food stamps or p.Property that is covered under another
other evidences of debt, money, notes,coverage form or endorsement of this or
checks, drafts or securities except as any other policy in which it is more spe-
provided in the Accounts Receivable cifically described, except for the excess
of the amount due (whether you can col-Coverage Extension. Lottery tickets held
lect on it or not) from that other insurance;for sale are not securities;
q.Property while waterborne except while inb.Aircraft or watercraft;
transit by inland water carriers or byc.Animals;coastwise vessels operating within "terri-
torial waters";
DX T1 00 11 12 Page 3 of 38© 2011 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
r.Shipments by a government postal ser-(b)Vehicles or self-propelled ma-
vice except by registered mail;chines you hold for sale, lease,
loan or rent other than those ex-s.The cost of excavations, grading, backfill-cluded under A.2.d.above; oring or filling.This does not apply to costs
(c)Trailers and Semi-trai ers to thelnecessarily incurred to repair or replace
covered loss or damage to Covered extent covered under the Non-
Property, but any costs associated with Owned Detached Trailers Cover-
land stabilization and land reconstruction age Extension;
are excluded;x.Water, whether in its natural state or oth-
t.The cost to research, replace or restore erwise, and whether above or below
the information on "valuable papers and ground or the cost of reclaiming or restor-
records"and "electronic data processing ing water.
data and media", except as provided in But this does not apply to:the Valuable Papers and Record s – Cost (1)Water contained in storage tanksof Research and Electronic Data Proc-used in your manufacturing or proc-essing Data and Media Coverage Exten-essing operations as specifically in-sions;sured un der the Stored Water Addi-u.The following property while outside of tional Coverage; orbuildings:(2)Bottled water.(1)Bridges,roadw ays, walks, patios, or 3.Additional Coveragesother paved surfaces;
Each of the following Additional Coverages(2)Artificial turf and associated under-applies subject to the Limit(s) of Insurancelayment;stated in this Coverage Form unless a revised(3)Retaining walls that are not part of a Limit of Insurance or Not Covered is indicatedbuilding;in the Declarations or the coverage is other-
(4)Fences;wise amended by endorsement:
(5)Trees, shrub s, plants or lawn s (in-a.Debris Removal
cluding fairways, gree ns and tees),(1)We will pay your expense to removebut not including vegetative roofs on debris of Covered Property, and otherCovered Buildings nor "stock" of debris that is on the de scribed prem-trees, shrub s or plants;ises, when such de bris is cau sed by
except as provided in the Outdoor Prop-or results from a Covered Cause of
erty Coverage Extension.Loss that occurs d uring the policy pe-
riod. The expenses will be paid only ifv.The following underground property:they are reported to us in writing(1)Wires;within 180 days of the date of direct
physical loss or damage.(2)Pipes, flues and drains;
This Additional Coverage does not(3)Tanks (including their contents);
apply to costs to:(4)Tunnels (whether or not connected to
(a)Remove debris of property youbuildings);
own that is not insured under this(5)Mines or mining property;policy, or property of others inw.Vehicles or self-propelled machines that:your care, custody or control that
is not Covered Property;(1)Are licensed for use on public roads;
or (b)Remove debris of property
owned by or leased to the land-(2)Are operated principally away from
lord of the building where yourthe described premises;
described premises are located,But this does not apply to:unless you have a contractual re-(a)Vehicles, self-propelled machines sponsibility to insure such prop-or autos you manufacture, proc-erty and it is insured under thisess or wareh ou se;policy;
Page 4 of 38 DX T1 00 11 12© 2011 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
(c)Remove debris of any outdoor age) is $25,000.This is additional in-
property of a type described in surance.
the Outdoor Property Coverage b.Expediting ExpensesExtension, whether the prop erty In the event of covered loss or damage tois your property or the property of Covered Property, we will pay for the rea-others;sonable and nece ssary additional ex-(d)Remove any property that is in-penses you incur to make temporary re-cluded under Section A.2.Prop-pairs to, or expedite the permanent re-erty and Costs Not Covered;pairs or replacement of the Covered
(e)Remove property of others of a Property at the premises sustaining loss
type that is not Covered Property or damage. Expediting expenses include
under this Coverage Form;overtime wages an d the extra cost of ex-
press or other rapid means of transporta-(f)Extract "pollutants" from land or tion. Expediting expenses do not includewater; or expenses you incur for the temporary(g)Remove, restore or replace pol-rental of property or temporary replace-luted land or water.ment of damaged property.
(2)The most we will pay under this Addi-The most we will pay in any one occur-tional Coverage for your expense to rence under this Additional Coverage isremove the debris of Covered Prop-$25,000.erty is 25% of:c.Fire Department Service Charge(a)The amount we pay for the direct When the fire department is called tophysical loss of or damage to save or protect Covered Property from aCovered Property; plus Covered Cause of Loss, we will pay for(b)The deductible in this Coverage your liability for fire department servicePart applicable to that loss or charges:damage.(1)Assumed by contract or agreementExcept as provided in Paragraph (3)prior to loss; orbelow, this payment for your expense (2)Required by local ordinance.to remove the debris of Covered
Property is included within the appli-No deductible applies to this Additional
cable Covered Property Limit of In-Coverage.
surance.d.Fire Protective Equipment Discharge
(3)If:If fire protective equipment at the de-
(a)Your expense to remove debris scribed premises discharge s accidentally
of Covered Property exceeds the or to control a Covered Cause of Loss,
we will pay your cost to:
(b)The sum of the amount we pay (1)Refill or recharge the system with the
for loss of or damage to Covered extinguishing agents that were dis-
Property and the expens e for re-charged; and
moval of its debris exceeds the (2)Replace or repair faulty valves orapplicable Limit of Insurance;controls which caused the discharge.
we will pay an additional amount for e.Green Building Alternatives – In-your expense to remove the debris of creased CostCovered Property, up to $250,000 in (1)If direct physical loss or damage by aany one occurrence.Covered Cause of Loss occurs to a(4)The most we will pay in any on e oc-building that is Covered Property, wecurrence under this Additional Cover-will pay for:age for your expense to remove the (a)The reasonable additional costdebris of any property that is not you incur to repair or replace theCovered Property (if such removal is lost or damaged portions of thecovered under this Additional Cover-
DX T1 00 11 12 Page 5 of 38© 2011 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
above 25% limitation; or
building using product s or mate-on file with us prior to the loss
rials that:or damage.
(i)Are "green" alternatives to Unless other wise stated in the Decla-
the products or materials of rations, this resultant amount is sub-
the lost or damaged property,ject to a maximum amount of insur-
in accordance with a docu-ance of $100,000 for each building.
mented "green authority";f.Green Building Reengineering and Re-and certification Expense
(ii)Are otherwise of comparable (1)If, as a result of direct physical loss orquality and function to the damage by a Covered Cause of Lossdamaged property;to a building that is Covered Property,
and the pre-loss level of "green" building
certification by a "Green Authority" on(b)The reasonable additional cost
the building is lost, we will pay for theyou incur to employ "green"
following rea sonable additional ex-methods or proce sses of con-
struction, disposal or recycling in penses you incur to re-attain the pre-
the course of the repair and re-loss level of "green" building certifica-
placement of the lost or damaged tion from that "Green Authority":
building, in accordance with the (a)The reasonable additional ex-documented standards of a pense you incur to hire a qualified"green authority".engineer or other professional(2)The insurance provided under this required by the "Green Authority"Additional Coverage applies only if to be involved in:replacement cost valuation applies to (i)Designing, overseeing orthe lost or damaged building and then documenting the repair or re-only if the building is actually repaired placement of the lost or dam-or replaced as soon as rea sonably
aged building; orpossible after the loss or damage.
(ii)Testing and recalibrating the(3)The insurance provided under this
systems and mechanicals ofAdditional Coverage does not apply
the lost or damaged buildingto any building that has been "vacant"
for more than 60 consecutive days to verify that the systems and
before the loss or damage occurs.mechanicals are performing
in accordance with the design(4)The most we will pay for the addi-of such systems and me-tional cost incurred with respect to chanicals or the specifica-each building in any one occurrence
tions of the manufacturer;under this Additional Coverage is de-
termined by multiplying:and
(a)A factor of 1% (unless a higher (b)The reasonable registration andincreased cost percentage is recertification fees charged byshown in the Declarations); times the "Green Authority".
(b)The lesser of:(2)This Additional Coverage applies to
(i)The amount we would other-the additional expense s described
wise pay for direct physical above that you incur to achieve the
loss of or damage to the pre-loss level of "green" building certi-
building, prior to application fication in accordance with the stan-of any applicable deductible;dards of the "Green Authority" thatorexist at the time of repair or replace-
(ii)The value you reported to u s ment, even if the standard s have
for the building, as stated on changed since the original certifica-
the latest Statement of Val-tion was achieved.
ues or other documentation
Page 6 of 38 DX T1 00 11 12© 2011 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
(3)The most we will pay in any on e oc-(3)The most we will pay for the total of
currence under this Additional Cover-all loss or damage under this Addi-
age for:tional Coverage arising out of all oc-
currences of "specified causes of(a)All expense s incurred with re-loss" (other tha n fire or lightning) oc-spect to each building is 5% of curring during each separate 12the sum of:month period of this policy beginning(i)The amount we pay for the with the effective date of this policy isdirect physical loss of or $25,000.damage to the building, in-(4)The coverage provided under thiscluding any amount paid un-Additional Coverage does not in-der the Green Building Alter-crease the applicable Limit of Insur-natives – Increased Cost Ad-ance on any Covered Property.If a
particular occurrence results in loss(ii)The deductible amount ap-or damage by "fungus", wet rot or dryplied to the loss payment for rot, and other loss or damage, we willdirect physical loss or dam-not pay more for the total of all loss orage to the building;damage than the applicable Limit of
Insurance on the Covered Property.(b)All expenses incurred, regardles s
of the number of buildings in-If there is covered loss or damage tovolved, is $25,000.Covered Property that is not caused
by "fungus", wet rot or dry rot, lossg.Limited Coverage for Fungus, Wet Rot
payment will not be limited by theor Dry Rot
terms of this Additional Coverage,(1)The coverage provided in Paragraph except to the extent that "fungus",(2)below only applies when "fungus",wet rot or dry rot cau ses an increa sewet rot or dry rot is the result of any in the loss.Any such increas e in theof the "specified causes of loss",loss will be subject to the terms ofother than fire or lightning, that oc-this Additional Coverage.curs during the policy period, and
h.Ordinance or Law Coverageonly if all reasonable means have
been u sed to save and pre serve the (1)In the event of covered direct physi-property from further damage at the cal loss or damage to a building thattime of and after the occurrence of is Covered Property, the followingsuch"specified causes of loss".coverages apply, but only with re-
spect to that lost or damaged build-(2)We will pay for direct physical loss of
ing:or damage to Covered Property
caused by "fungus", w et rot or dry rot,(a)Coverage A – Coverage For
including:Loss To The Undamaged Por-
tion of The Building(a)The cost of removal of the "fun-
gus", wet rot or dry rot;We will pay under Coverage A for
the loss in value of the undam-(b)The cost to tear out and replace aged portion of the building as aany part of the building or other consequence of enforcement ofproperty as needed to gain ac-an ordinance or law that requirescess to the "fungus", wet rot or demolition of undamaged parts ofdry rot; and the same building.
(c)The cost of testing performed af-(b)Coverage B – Demolition Costter removal, repair, replacement Coverageor restoration of the damaged We will pay under Coverage Bproperty is completed, provided the cost to demolish the buildingthere is a reason to believe that and clear the site of undamaged"ungus", wet rot or dry rot aref parts of the same building, as apresent.consequence of enforcement of
DX T1 00 11 12 Page 7 of 38
ditional Coverage; and
© 2011 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
(b)The building either:an ordinance or law that requires
demolition of such undamaged (i)Sustains direct physical lossproperty.or damage that is covered
under this Coverage Part and(c)Coverage C – Increased Cost
such damage results in en-of Construction forcement of the ordinance orWe will pay under Coverage C law; orthe increased cost to:(ii)Sustains both direct physical(i)Repair or recon struct dam-loss or damage that is cov-aged portions of that building;ered under this CoverageorPart and direct physical loss
or damage that is not cov-(ii)Reconstruct or remodel un-
ered under this Coveragedamaged portions of that Part and the building damagebuilding, whether or not in its entirety results in en-demolition is required;forcement of the ordinance orwhen the increase d cost is a law.conseq uence of enforcement of If the building sustains directthe minimum requirements of the physical loss or damage that isordinance or law.not covered under this Coverage
This Coverage C applies only if Part, and such damage is the
the restored or remodeled prop-subject of the ordinance or law,
erty is intended for similar occu-then there is no coverage under
pancy as the current property,this Additional Coverage even if
the building has also sustainedunless such occupancy is not
covered direct physical loss orpermitted by zoning or land use
damage.ordinance.This Coverage C doe s
not apply if the building is not re-(c)In the situation described in (b)
paired, reconstructed or remod-(ii)above, we will not pay the full
eled.amount of loss other wise payable
under the terms of Coverage A,(2)The coverages de scribed in (1)B or C of this Additional Cover-above apply only if the provisions in age.Instead, we will pay a pro-Paragraphs (a)an d (b)below are sat-portion of such loss.The propor-isfied and are then subject to the tion of such loss that we will payqualifications set forth in Paragraph is the proportion that the covered(c)below:direct physical loss or damage(a)The ordinance or law:bears to the total direct physical
loss or damage.(i)Regulates the demolition,
construction or repair of However, if covered direct physi-
cal loss or damage, alone, wouldbuildings, or establishes zon-
have resulted in the enforcementing or land use requirements
of the ordinance or law, then weat the described premises;
will pay the full amount of lossand
otherwise payable under the(ii)Is in force at the time of loss.terms of Coverage A,B, or C of
But this Additional Coverage ap-this Additional Coverage.
plies only in respon se to the (3)We will not pay under this Additionalminimum requirements of the or-Coverage for:dinance or law.Losses and costs (a)Enforcement of any ordinance orincurred in complying with rec-law which requires the demoli-ommended actions or standard s tion, repair, replacement, recon-that exceed actual requirements struction, remodeling or remedia-are not covered.
Page 8 of 38 DX T1 00 11 12© 2011 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
tion of property due to contamina-which is performed in the course of ex-
tion by "pollutants" or due to the tracting the "pollutants" from the land or
presence, gro wth, proliferation,water.
spread or any activity of "fungus",The most we will pay under this Addi-wet rot or dry rot;tional Coverage is $100,000 for the sum(b)The costs associated with the en-of all covered expense s arising out of all
forcement of any ordinance or "specified causes of loss" occurring dur-
law which requires any insured or ing each separate 12 month period of this
others to test for, monitor, clean policy (beginning with the effective date of
up, remove, contain, treat, detox-the policy).
ify or neutralize, or in any way re-j.Preservation of Propertyspond to, or assess the effects of
If it is necessary to temporarily move"pollutants","fungus", wet rot or Covered Property from the describeddry rot; or
premises to pre serve it from the threat of(c)Loss due to any ordinance or law imminent loss or damage by a Coveredthat:Cause of Loss:(i)You were required by the or-(1)We will pay for the reasonable anddinance or law to comply with necessary expense s actually incurredbefore the loss, even if the by you to remove the Covered Prop-building was undamaged;erty from the described premises,and temporarily store the Covered Prop-(ii)You failed to comply with.erty at another location and move the
Covered Property back to the de-(4)Exclusion C.1.h.Ordinance or La w
scribed premises within a reasonabledoes not apply to the insurance spe-time after the threat of imminent losscifically provided under this Additional or damage to the property by theCoverage.Covered Cause of Loss pa sses.The(5)The most we will pay under this Addi-most we will pay for the sum of alltional Coverage for loss with respect such expense s that you incur due toto all buildings lost or damaged in any the threat of loss or damage from anyone occurrence, regardles s of the one occurrence is $250,000, subjectnumber of buildings involved, is to the following:$250,000.(a)This Limit of Insurance is an addi-i.Pollutant Cleanup and Removal tional amount of insurance that is
We will pay your expense to extract "pol-not included in, and does not re-
lutants" from land or water at the de-duce, the Covered Property Lim-
its of Insurance.scribed premises, if the discharge, dis-
persal, seepage, migration, release or (b)When the Causes of Loss –escape of the "pollutants" is caused by or Earthquake endor sement or
results from any of the "specified causes Causes of Loss – Earthquake
of loss" which occurs:Sprinkler Leakage endor sement
is included in this Coverage Part,(1)On the described premises;our payment for the sum of all(2)To Covered Property; and expenses incurred due to the
threat of loss or damage to Cov-(3)During the policy period.
ered Property from all threatenedThe expenses will be paid only if they are occurrences of all such Coveredreported to us within 180 days of the date Causes of Loss in any one policyon which the covered "specified cause of year will not exceed $250,000.loss" occurs.This limit is not included in, and
This Additional Coverage does not apply does not reduce,the Limits of In-
to costs to test for, monitor or assess the surance that apply to loss or
damage to which the Causes ofexistence, concentration or effects of
Loss – Earthquake endor sement"pollutants". But we will pay for testing
DX T1 00 11 12 Page 9 of 38© 2011 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
(i)The policy is amended toor the Cau ses of Loss – Earth-
quake Sprinkler Leakage en-provide insurance at the new
dorsement applies.location;
(c)When the Causes of Loss –(ii)The Covered Property is re-
Broad Form Flood endorsement turned to the original location;
is included in this Coverage Part,or
our payment for the sum of all (iii)This policy expires.expenses incurred due to the k.Reward Coveragethreat of loss or damage to Cov-
ered Property from all threatened We will reimburse you for rewards you
occurrences of such Covered have incurred leading to:
Cause of Loss in any one policy (1)The successful return of undamagedyear will not exceed $250,000.stolen articles of Covered Property toThis limit is not included in, and a law enforcement agency; ordoesnot reduce,the Limits of In-(2)The arrest and conviction of any per-surance that apply to los s or son(s) who have damaged or stolendamage to which the Causes of any of your Covered Property.Loss – Broad Form Flood en-
dorsement applies.The most we will pay in any one occur-
rence under this Additional Coverage is(d)If the threat of imminent direct 25% of the covered loss (prior to the ap-physical loss or damage to Cov-plication of any applicable deductible andered Property from the same oc-recovery of undamaged stolen articles)currence spans over multiple pol-up to a maximum of $25,000 for the pay-icy years, only the limit that ap-ments of reward s you make. These re-plies to this Coverage in the pol-ward payments must be d ocumented. Noicy year in which the expense s deductible applies to this Additional Cov-are first incurred by you will apply erage.to the total of the expenses in-
curred due to the threat of loss or l.Stored Water
damage from that occurrence.(1)We will pay the cost you incur to re-
This Coverage is subject to the de-place water that is used in your
ductible that applies to loss or dam-manufacturing or processing opera-
age to the Covered Property by the tions which is contained in any:
Covered Cause of Loss from which (a)Above-ground storage tank; orthe property is being preserved.(b)Manufacturing or processing(2)We will also pay for any direct physi-equipment (including related pip-cal loss of or damage to the Covered ing) at the described premises,Property while it is being moved from when the water ha s been relea sed orthe described premises, while tempo-rendered unu sable for its intendedrarily stored at another location or purpos e due to direct physical loss ofwhile being moved back to the de-or damage to such tank, equipmentscribed premises, subject to the fol-or piping by a Covered Cause oflowing:Loss.(a)This Coverage is subject to, and (2)This Additional Coverage does notdoes not increase the a pplicable apply to costs to restore or replaceCovered Property Limit of Insur-water contained in any fire suppre s-ance.sion system.(b)This Coverage will only apply if (3)The most we will pay in any on e oc-the loss or damage occurs within currence under this Additional Cover-180 days after the Covered age is $25,000.Property is first moved and will
end when any of the following
first occurs:
Page 10 of 38 DX T1 00 11 12© 2011 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
m.Water or Other Substance Loss – Tear (c)Collection expense s in excess of
Out and Replacement Expense your normal collection expenses
that are made necessary by theIn the event of covered loss or damage loss; andcausedby or resulting from water (or
(d)Other reasonable expenses thatsteam), other liquid, powder or molten
material, we will also pay:you incur to re-establish your re-
cords of accounts receiv ble.a(1)The neces sary cost of tearing out and
(2)If you cannot accurately establish thereplacing any part of a Covered
Building or Structure to repair dam-amount of accounts receivable out-
age to the system or appliance from standing as of the time of loss,we
which the water (or steam), other liq-will:
uid, powder or molten material es-(a)Determine the total of the aver-capes; and age monthly amounts of accounts
(2)The cost to repair or replace dam-receivable for the 12 months im-
aged part s of fire extinguishing mediately preceding the month in
equipment if:which the loss occurs;
(a)The damage results in discharge (b)Adjust the total for any normal
of any substance from an auto-fluctuations in the amount of ac-
matic fire protective system; or counts receivable for the month
in which the loss occurred or for(b)Is directly caused by freezing.any demonstrated variance fromExcept as provided under (2)above, we the average for that month; andwill not pay the cost to repair any defect (c)Deduct the following from the to-in a system or appliance from which the tal amount of accounts receiv-water (or steam), other liquid, powder or able, however that amount is es-
tablished:4.Coverage Extensions (i)The amount of the accountsEach of the following Coverage Extensions for which there is no loss;applies subject to the Limit(s) of Insurance (ii)The amount of the accountsstated in this Coverage Form, unless a re-that you are able to re-vised Limit of Insurance or Not Covered is in-establish or collect;dicated in the Declarations or the coverage is
(iii)An amount to allow for prob-otherwise amended by endorsement:
able bad de bts that you area.Accounts Receivable normally unable to collect;(1)You may extend the insurance that andapplies to Your Business Person al (iv)All unearned interest andProperty to apply to losses a nd ex-service charges.penses de scribed belo w that you in-
(3)The most we will pay in any on e oc-cur resulting from direct physical loss
or damage by a Covered Cause of currence under this Extension for loss
Loss to your accounts receivable re-and expense s re sulting from loss of
cords. Credit card company charge or damage to your record s of ac-
media will be considered accounts counts receivable:
receiv ble until delivered to the credita (a)At or within 1,000 feet of the de-card company.scribed premises is $50,000; and
We will pay:(b)While in transit or at all unde-
(a)Amounts due from your custom-scribed premises is $25,000.
ers that you are unable to collect;b.Appurtenant Buildings and Structures
(b)Interest charges on any loan re-(1)At the described premises wherequiredto offset amounts you are Building coverage applies:unable to collect pending our (a)You may extend the insurancepayment of these amounts;that applies to your buildings to
DX T1 00 11 12 Page 11 of 38
molten material escapes.
© 2011 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
(a)Any expenses incurred, directed,apply to direct physical loss or
damage by a Covered Cause of or billed by or payable to attor-
Loss to incidental appurtenant neys, insurance adjuster s or their
buildings and structures which associates or sub sidiaries;
are at the described premises but (b)Any costs as provided in the Ap-not specifically described in the praisal Loss Condition (G.2.); orDeclarations; and (c)Any expenses incurred, directed,(b)You may extend the insurance or billed by or payable to insur-that applies to Your Business ance brokers or agents, or theirPersonal Property and Personal associates or subsidiaries, with-Property of Others, if any, to ap-out our written consent prior toply to direct physical loss or such expense s being incurred.damage by a Covered Cause of (3)The most we will pay for claim dataLoss to such pro perty located expense in any one occurrence underwithinincidental appurtenant this Extension is $25,000.buildings or structures which are
d.Covered Leasehold Interest – Undam-at the described premises but not
specifically described in the Dec-aged Improvements and Betterments
larations.(1)You may extend the insurance that
(2)Incidental appurtenant buildings or applies to Your Business Person al
structures include storage buildings,Property at the described premises
garage s, pump houses, above which you lea se from others to apply
ground tanks, television and radio to your interest as tenant in improve-
tower s, antennas, satellite dishes and ments and betterments, as defined in
solar panels mounted on the ground Section A.1.b.(6)of this Coverage
or on poles not attached to buildings Form, which are not damaged or de-
and structures.But incidental appur-stroyed, but which you lose due to
tenant buildings an d structures d o not the cancellation of your lease by your
include:landlord.The cancellation of your
lease by your landlord must:(a)Outside signs, whether or not at-
tached to buildings or structures;(a)Result from direct physical loss of
or damage to property at the de-(b)Any property to which the Out-scribed premises where your im-door Property Coverage Exten-provements and betterments aresion applies; or located, caused by or resulting(c)Any property excluded under from a Covered Cause of Loss;Section A.2.Property and Costs andNot Covered.(b)Be permitted in accordance with(3)The most we will pay for loss or dam-the conditions of your writtenage in any one occurrence under this lease agreement.Extension is $100,000.(2)The most we will pay for loss in anyc.Claim Data Expense one occurrence un der this Extension
is:(1)You may extend the insurance pro-
vided by this Coverage Form to apply (a)The applicable Your Business
to the reasonable expense s you incur Personal Property Limit of Insur-
in preparing claim data when we re-ance; or
quire it to adjust a covered loss. This (b)$100,000;includes the cost of taking invento-whichever is less.ries, making appraisals and preparing
other documentation to show the ex-e.Deferred Payments
tent of loss.(1)You may extend the insurance that
applies to Your Business Person al(2)We will not pay for:
Property to apply to your interest in
Page 12 of 38 DX T1 00 11 12© 2011 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
such bu sine ss per sonal property that original "electronic data processing
is sold by you under an installment data and media" are kept.
plan, conditional sale, trust agree-(2)The most we will pay for loss or dam-ment or other deferred payment plan age in any one occurrence under thiswhen, as a re sult of direct physical Extension is $50,000.loss of or damage to such property:g.Electronic Data Processing Data and(a)Occurring within the Coverage MediaTerritory at any location, or in (1)You may extend the insurance thattransit, after delivery to buyers;applies to Your Business Person alandProperty and Personal Property of(b)Caused by a Covered Cause of Others to apply to your costs to re-Loss;search, replace or restore the lost in-
the buyer refuses to continue pay-formation on lost or damaged "elec-
ments owed to you for such property tronic data processing data a nd me-
and, as a re sult, you repo ssess the dia" for which duplicates do not exist.
remaining damaged property of The loss or damage to the "electronic
value, if any.data processing data and media"
must be caused by a Covered Cause(2)The value of your loss under this Ex-of Loss.tension will be determined as follows:
(2)The most we will pay in any on e oc-(a)In the event of partial loss to currence under this Extension for lossproperty, the value of your loss or damage to "electronic data proc-will be:essing data and media":(i)The unpaid balance shown (a)At or within 1,000 feet of the de-on your books as due from scribed is as follows:the buyer for such property,
(i)$50,000 at all describedexcluding any interest or fees
due; minus premises unles s a different
Limit of Insurance or Not(ii)The actual cash value of the Covered is shown in the Dec-repos sessed damaged prop-larations or Paragraph (ii)be-erty.low applies;(b)In the event of a total loss to (ii)When Included is shown inproperty, the value of your loss the Declarations as the Limitwill be the unpaid balance shown of Insurance, the insuranceon your books as due from the provided for such property isbuyer for such property, exclud-included in, and does not in-ing any interest or fees due.crease the Limit(s) of Insur-(3)The most we will pay for loss in any ance that otherwise apply toone occurrence un der this Extension loss or damage to Your Busi-is $25,000.ness Per sonal Property and
Personal Property of Othersf.Duplicate Electronic Data Processing
at the described premisesData and Media
where the los s occurs;(1)You may extend the insurance that
andapplies to Your Business Person al
Property and Personal Property of (b)At any other location where theOthers to apply to direct physical loss insurance provided under thisor damage by a Covered Cause of Coverage Form for Your Busi-Loss to duplicates of your "electronic ness Per sonal Property and Per-data processing d ata and media"sonal Property of Others applies,while stored in a separate, unat-including while in transit, is in-tached building anywhere in the Cov-cluded in and does not increaseerage Territory from where your the Limit of Insurance that other-
wise applies to loss or damage to
DX T1 00 11 12 Page 13 of 38© 2011 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
Your Busines s Per sonal Property to continue your normal busi-
and Personal Property of Others ness operations:
at that location or in transit.But,•At the described prem-in no event will the amount we ises; orpay for such loss or damage to
"electronic data processing data •At replacement premises
and media" under this Extension or at temporary locations,
exceed the amount we would including relocation ex-
have paid had the loss to "elec-penses and costs to
tronic data processing data and equip and o perate the
media" occurred at or within replacement or tempo-
1,000 feet of the described prem-rary locations;
ises.(ii)To minimize the suspension
h.Employee Tools of business if you cannot
continue your normal busi-(1)You may extend the insurance that ness operations at the de-applies to Your Business Person al scribed premises; orProperty to apply to direct physical
loss or damage by a Covered Cause (iii)To the extent that it reduces
of Loss to "employee tools" at the de-the amount of loss that oth-
scribed premises or while in the care,erwise would have been
custody or control of your employees payable under this Coverage
at job sites or while in transit betw een Form:
these locations.•To repair or replace any(2)The most we will pay for loss or dam-property;age in any one occurrence under this
•To research, replace orExtension is $25,000, but not more
restore the lost informa-than $2,500 for any one item.
tion on lost or damagedi.Extra Expense "electronic data process-(1)You may extend the insurance pro-ing data and media" or
vided by this Coverage Form to apply "aluable papers and re-v
to the reasonable and necessary Ex-cords".
tra Expense you incur, during the pe-(b)Period of restoration means theriod of restoration, due to direct period of time that:physical loss or damage to property (i)Begins with the date of directat or within 1,000 feet of the de-
physical loss or damagescribed premises cau sed by or re sult-
caused by or re sulting froming from a Covered Cause of Loss.
any Covered Cause of Loss(2)If you occupy only a portion of a at the described premises;building in which the described prem-andises are located, such premises in-(ii)Ends on the earlier of:clude all routes within the building to
gain access to the portion of the •The date when the prop-
erty at the describedoccupy.premises should be re-
(3)As used in this Extension:paired, rebuilt or replaced
with reaso nable speed(a)Extra Expense means necessary and similar quality; orexpenses you incur that you
would not have incurred if there •The date when bu sinesshad been no direct physical loss is resumed at a newor damage to property:permanent location.
(i)To avoid or minimize the Period of restoration does n ot in-suspension of business and clude any increased period re-
Page 14 of 38 DX T1 00 11 12
building which you own, rent, lease or
© 2011 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
(b)Re-program the key card accessquired due to the enforcement of
any ordinance or law that:control device to accept replace-
ment key cards.(i)Regulates the construction,
(2)With respect only to the insuranceuse or repair, or requires the
tearing down of any property;provided by this Extension, the fol-
or lowing change s apply to the Exclu-
sions in Section C.and Limitations in(ii)Requires any insured or oth-Section D.of this Coverage Form:ers to test for, monitor, clean
(a)The exclusion of loss or d amageup, remove, contain, treat,
detoxify or neutralize, or in caused by or resulting from dis-
any way respond to the ef-hone st or criminal act under Ex-
clusion C.2.c.(Dishone sty) doesfects of "pollutants".
not apply, except with respect toThe expiration date of this policy dishone st or criminal act by youwill not cut short the period of or any of your partners, directorsrestoration.or trustees;(4)The most we will pay for all Extra Ex-(b)The exclusion of loss of propertypense in any one occurrence under when there is no p hysical evi-this Extension is $25,000.dence to show what happ ened toj.Fine Arts the property under Limitations
D.1.d.does not apply.(1)You may extend the insurance that
applies to Your Business Person al (3)The most we will reimburse you forProperty and Personal Property of costs under this Extension is $25,000Others to apply to direct physical loss in total arising out of all occurrencesor damage by a Covered Cause of occurring during each separate 12Loss to "fine arts" at the described month period of this policy (beginningpremises or in transit.with the effective date of the policy).
(2)The most we will pay in any on e oc-l.Newly Constructed or Acquired Prop-currence under this Extension for loss ertyof or damage to "fine arts":(1)You may extend the insurance pro-(a)At or within 1,000 feet of the de-vided by this Coverage Form to applyscribed premises is $50,000; and to direct physical loss or damage by a
Covered Cause of Loss to:(b)While in transit is $25,000.
(a)Your new buildings or additionsk.Loss of Master Key
while being built on the described(1)If a master key or key card to build-premises or newly acquiredings, rooms or compartments that are premises including materials,Covered Property or house Covered equipment, supplies and tempo-Property is lost or damaged by a rary structures, on or within 1,000Covered Cause of Loss, you may ex-feet of the premises;tend the insurance provided by this
(b)Buildings you acquire at locationsCoverage Form to apply to the actual
other than the described prem-and neces sary costs you incur to:
ises; and(a)Replace keys and either:
(c)Buildings which you become(i)Adjust existing locks to ac-newly required to insur e und er acept the new keys; or written contract.(ii)Replace existing locks, but The most we will pay for loss or dam-only if necessary or less ex-age to Buildings in any on e occur-pensive than the cost of ad-rence under this Extension isjusting the existing locks;$2,000,000 at each building.or (2)You may extend the insurance that
applies to Your Business Person al
DX T1 00 11 12 Page 15 of 38© 2011 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
Property and Personal Property of motorized conveyance, whether
Others to apply to direct physical loss or not the motor vehicle or motor-
or damage by a Covered Cause of ized conveyance is in motion; or
Loss to that type of property at:(b)During hitching or unhitching op-
(a)A building you newly acquire or erations, or when a trailer or
construct at a location described semi-trailer becomes accidentally
in the Declarations; and unhitched from a motor vehicle or
motorized conveyance.(b)Any other location you acquire by
(3)The most we will pay for loss or dam-purchase or lease (other than at
"exhibitions").age in any one occurrence under this
Extension is $25,000.The most we will pay for loss or dam-
(4)This insurance is excess over theage to Your Bu siness Per sonal Prop-
erty and Personal Property of Others amount due from any other insurance
in any one occurrence under this Ex-covering such pro perty, whether you
tension is $1,000,000 in total at each can collect on it or not.
newly acquired premises.n.Outdoor Property
(3)Insurance provided under this Exten-(1)You may extend the insurance pro-sion for each newly acquired or con-vided by this Coverage Form to applystructed property will end when any to:of the following first occurs:(a)Direct physical loss or damage to(a)This policy is cancelled or ex-your outdoor:pires;(i)Fences;(b)180 days expire after you acquire (ii)Retaining walls that are notor begin to construct the property;part of a building;(c)You report values to us; or (iii)Lawns (including fairways,(d)The property is more specifically greens and tee s), artificial turfinsured.(including underlayment)
We will charge you additional pre-trees, shrub s and plants
mium for values reported from the (other than "stock" of trees,
date construction begins or you ac-shrubs or plants);
quire the property.(iv)Bridges, walks, road ways,
m.Non-Owned Detached Trailers patios or other paved sur-
faces;(1)You may extend the insurance that
applies to Your Business Person al at the described premises cau sed
Property to apply to direct physical by or resulting from a cause of
loss de scribed in (2)below;loss or damage by a Covered Cause
of Loss to trailers or semi-trailers that andyou do not own, provided that:(b)The reasonable and nece ssary(a)The trailer or semi-trailer is used expense that you incur to removein your business;debris of your outdoor property
(b)The trailer or semi-trailer is in listed above and similar property
your care, custody or control at of others at your described prem-
the described premises; and ises caused by a Cause of Loss
listed in (2)below that occurs(c)You have a contractual respon si-during the policy period.Suchbility to pay for loss or damage to expenses will be paid only if theythe trailer or semi-trailer.are reported to us in writing within(2)We will not pay for any loss or dam-180 day s of the direct physicalage that occurs:loss or damage.Such payment
(a)While the trailer or semi-trailer is will not increase the Limit of In-
attached to any motor vehicle or
Page 16 of 38 DX T1 00 11 12© 2011 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
(3)Our payment for loss or damage un-surance that applies to this Ex-
tension.der this Extension will only be for the
account of the owner of the property.(2)This Extension applies only if the loss
q.Personal Property At Premises Out-or damage is caused by or results
side of the Coverage Territoryfromthe following cause s of loss, and
then only if they are a Covered (1)You may extend the insurance thatCause of Loss:applies to Your Business Person al
(a)Fire;Property and Personal Property of
Others to apply to direct physical loss(b)Lightning;or damage by a Covered Cause of(c)Explosion;Loss to such pro perty occurring at
premises any where in the world out-(d)Riot or Civil Commotion;
side of the Coverage Territory pro-(e)Aircraft;vided that no trade sanction, em-(f)Falling Objects; or bargo or similar regulation imposed
by the United States of America pro-(g)"Sinkhole Collapse".
hibits us from covering the loss or(3)The most we will pay for loss or dam-damage.age and debris removal expense in (2)This Extension does not apply to:any one occurrence un der this Ex-
tension is $25,000, but we will not (a)Personal property at an "exhibi-pay more than $2,500 for any one tion";tree, shrub or plant.(b)Property at any installation site oro.Outside Signs at temporary storage premises
awaiting installation;(1)You may extend the insurance pro-
vided by this Coverage Form to apply (c)Sales representative property; orto direct physical loss or damage by a (d)Personal property in transit.Covered Cause of Loss to outside
(3)The most we will pay for loss or dam-signs, whether or not attached to a
age in any one occurrence under thisbuilding, at or within 1,000 feet of the
Extension is $50,000.described premises or at any unde-
scribed premises.r.Personal Property In Transit Outside
of the Coverage Territory(2)The most we will pay in any on e oc-
currence under this Extension for loss (1)Unless otherwis e indicated in theor damage to all outside signs:Declarations or by end orsement, you
(a)At or within 1,000 feet of the de-may extend the insurance provided
for Personal Property in Transit inscribed premises is $100,000;
Section A.1.e.(including any mode of(b)At all undescribed premises is transportation or type of shipment ex-$5,000.clusion), to apply to Your Businessp.Personal Effects Personal Property and Personal
Property of Others in your care, cus-(1)You may extend the insurance that
tody or control in transit anywhere inapplies to Your Business Person al
the world outside of the Cov rageeProperty to apply to direct physical
Territory provided that no sanction,loss or damage by a Covered Cause
embargo or similar regulation im-of Loss to personal effects or "fine
posed by the United States of Amer-arts'' owned by your officers, your
ica prohibits us from covering the losspartners or your employees while
or damage.such property is at the described
premises.(2)This Extension also applies to Cov-
ered Property in transit which is in the(2)The most we will pay for loss or dam-
custody of your officers or employ-age in any one occurrence under this
ees.Extension is $25,000 at each de-
scribed premises.
DX T1 00 11 12 Page 17 of 38© 2011 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
u.Valuable Papers and Records – Cost(3)The most we will pay for loss or dam-
of Researchage in any one occurrence under this
Extension is $25,000.(1)You may extend the insurance that
applies to Your Business Person als.Theft Damage to Rented Property
Property to apply to your costs to re-(1)You may extend the insurance that search, replace or restore the lost in-applies to Your Business Person al formation on lost or damaged "valu-Property to apply to direct physical able papers and record s" for whichloss or damage by theft or attempted duplicates do not exist.The loss ortheft to:damage to "valuable papers and re-
cords" must be caused by a Covered(a)That part of any building at the
Cause of Loss.described premises that you oc-
cupy, but do not own, and which (2)The most we will pay for loss or dam-
contains the Covered Property;age in any one occurrence under this
and Extension:
(a)At or within 1,000 feet of the de-(b)Property within such non-ow ned
scribed premises is $50,000; andbuilding used for maintenance or
service of the non-owned build-(b)While in transit or at all unde-ing.scribed premises is $25,000.
(2)This Extension applies only if you are B.COVERED CAUSES OF LOSS
a tenant and are required in your Covered Causes of Loss means RISKS OF DI-lease to cover the expense.RECT PHYSICAL LOSS unless the loss is:
(3)We will not be liable under this Ex-1.Excluded in Section C., Exclusions;tension for loss or damage by fire or 2.Limited in Section D., Limitations; orexplosion, or to glas s (other than
3.Excluded or limited in the Declarations or byglassbuilding blocks) or to any letter-
endors ement.ing, ornamentation or burglar alarm
tape on glass.C.EXCLUSIONS
(4)Payment under this Extension will not 1.We will not pay for loss or damage cau sed di-
increase the Limit of Insurance that rectly or indirectly by any of the following.
applies to Your Business Person al Such loss or damage is excluded regardless
Property at the described premises of any other cause or event that contributes
where the direct physical loss or concurrently or in any sequence to the loss or
damage. Exclusions C.1.a.through C.1.l.ap-damage occurs.
ply whether or not the lo ss event results int.Undamaged Parts of Stock in Process wide spread damage or affects a substantial(1)You may extend the insurance that area.
applies to Your Business Person al a.Certain Computer-Related LossesProperty and Personal Property of (1)Failure, malfunction or inadequacy of:Others to apply to the reduction in
value of undamaged parts of covered (a)Any of the following, whether be-
products or "stock" in process which longing to any insured or to oth-
become unmarketable.The reduction ers:
in value must be the direct result of (i)Computer hardware, includ-direct physical loss or damage by a ing microprocessor s;Covered Cause of Loss to other parts (ii)Computer application soft-of the covered products or "stock" in ware;process at the described premises.(iii)Computer operating systems(2)The most we will pay for loss or dam-and related software;age in any one occurrence under this (iv)Computer networks;Extension is $50,000.
Page 18 of 38 DX T1 00 11 12© 2011 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
(v)Microprocessor s (computer including soil conditions which
chips) not part of any com-cause settling, cracking or other
puter system; or disarrangement of foundations or
other parts of realty.Soil condi-(vi)Any other computerized or tions include contraction, expan-electronic equipment or com-sion, freezing, thawing, erosion,ponents;improperly compacted soil andorthe action of water under the
ground surface; or(b)Any other products and services,
data or functions, that directly or (e)Volcanic eruption, explosion orindirectly use or rely upon, in any effusion.manner, any of the items listed in (2)If Earth Movement as described in:Paragraph (1)(a)above;
(a)Paragraphs (1)(a)through (1)(d)due to the inability to correctly recog-above results in fire or explosion,nize, process, distinguish, interpret or we will pay for the loss or dam-accept one or more dates or times.age caused by that fire or explo-(2)Any advice, consultation, design,sion; orevaluation, inspection, installation,(b)Paragraph (1)(e)above, results inmaintenance, repair, replacement or fire, building glass breakage orsupervision provided or done by you Volcanic Action, we will pay forto determine, rectify or test for, any the loss or damage caused bypotential or actual problems de-that fire, building glass breakagescribed in Paragraph (1)above.or Volcanic Action.If an excluded Cause of Loss as de-Volcanic Action means direct lossscribed in Paragraphs (1)and (2)above or damage resulting from theresults in any of the "specified causes of eruption of a volcano when theloss", or in elevator collision resulting loss or damage is caused by:from mechanical breakdown, we will pay
(i)Airborne volcanic blast or air-only for the loss or damage caused by
such "specified causes of loss" or eleva-borne shock waves;
tor collision.(ii)Ash, dust or particulate mat-
We will not pay for repair, replacement or ter; or
modification of any items in Paragraph s (iii)Lava flow.(1)and (2)above to correct any deficien-With respect to coverage for Vol-cies or change in features.canic Action as set forth in (i),(ii)b.Earth Movement and (iii)above, volcanic erup-
(1)Any of the following, all whether natu-tions that occur within any 168-
rally occurring or due to man-made or hour period will constitute a sin-
other artificial causes:gle occurrence. Volcanic Action
does not include the cost to re-(a)Earthquake, including tremors move ash, dust or particulateand aftershocks, and earth sink-matter that does not cause directing, rising or shifting related to physical loss or damage to thesuch event;described property.(b)Land slide, including any earth (3)This exclusion does not apply to:sinking, rising or shifting related
(a)Personal property in transit;to such event;
(c)Mine subsidence, meaning sub-(b)Personal property at an "exhibi-
sidence of a man-made mine,tion";
whether or not mining activity has (c)Sales representative property; orceased;(d)Personal property in the custody(d)Earth sinking (other than "sink-of any officer or employee of thehole collapse"), rising, or shifting
DX T1 00 11 12 Page 19 of 38© 2011 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
h.Ordinance or Lawinsured while traveling outside of
the Coverage Territory.(1)The enforcement of any ordinance or
law:c.Fungus, Wet Rot or Dry Rot
(a)Regulating the construction, usePresence, gro wth, proliferation, spread or
or repair of any property; orany activity of "fungus", wet rot or dry rot.
(b)Requiring the tearing down of anyBut if "fungus", wet rot or dry rot re sults in property, including the cost ofany of the "specified causes of loss", we removing its debris.will pay for the loss or damage caused by
(2)This exclusion, Ordinance or La w,such "specified causes of loss".
applies whether the loss res ults from:This exclusion does not apply:
(a)An ordinance or law that is en-(1)When "fungus", wet rot or dry rot re-forced even if the property hassults from fire or lightning; or not been damaged; or
(2)To the extent that coverage is pro-(b)The increased costs incurred tovided under the Limited Coverage for comply with an ordinance or lawFungus, Wet Rot or Dry Rot Addi-in the course of construction, re-tional Coverage.pair, renovation, remodeling or
demolition of property, or removald.Governmental Action
of its debris, following a physicalSeizure or destruction of property by or-loss to that property.der of governmental authority except as i.Utility Servicesprovided for under the Additional Cover-
age – Ordinance or Law Coverage.The failure or fluctuation of power, com-
munication, water or other utility serviceBut we will pay for loss or damage supplied to the described premises, ho w-caused by or resulting from acts of de-ever caused, if the failure or fluctuation:struction ordered by governmental au-
(1)Originates a way from the describedthority and taken at the time of a fire to
premises; orprevent its spread, if the fire would be
covered under this Coverage Part.(2)Originates at the described premises,
but only if such failure or fluctuatione.Intentional Loss involves equipment used to supplyAny act an insured commits or conspires the utility service to the describedto commit with the intent to cause a loss.premises from a source away from
the described premises.In the event of such loss, no insured is
entitled to coverage, including insureds Failure or fluctuation of any utility servicewhodid not commit or conspire to commit includes lack of sufficient capacity and
the act causing the loss.reduction in supply.
f.Neglect But if the failure or fluctuation of power,
communication, water or other utility ser-Neglect of an insured to use rea sonable vice results in a Cov red Cause of Loss,emeans to save and pre serve property we will pay for the loss or damage causedfrom further damage at and after the time by that Covered Cause or Loss.of loss.
Communication services include serviceg.Nuclear Hazard relating to Internet access or access to
Nuclear reaction or radiation, or radioac-any electronic, cellular or satellite net-
tive contamination, however caused.work.
But if nuclear reaction or radiation, or ra-j.Virus or Bacteria
dioactive contamination results in fire, we (1)Any virus, bacterium, or other micro-will pay for the loss or damage caused by organism that induces or is capablethat fire.of inducing physical distress, illness
or disease.
Page 20 of 38 DX T1 00 11 12© 2011 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
(2)With respect to any loss or d amage (e)Waterborne material carried or
subject to this exclusion, this exclu-otherwise moved by any of the
sion supersede s any exclusion relat-water referred to in Paragraph s
(a),(c)and (d)above, or materialing to "pollutants".
carried or otherwise moved byk.War and Military Action mudslide or mudflow.(1)War, including undeclared or civil But if Water, as de scribed in (a)war;through (e)above, results in fire, ex-(2)Warlike action by a military force, in-plosion or sprinkler leakage, we willcluding action in hindering or defend-pay for the loss or damage caus ed bying against an actual or expected at-that fire, explosion or sprinkler leak-tack, by any government, sovereign age.or other authority using military per-(2)This exclusion does not apply to:sonnel or other agents; or
(a)Personal property in transit;(3)Insurrection, rebellion, revolution,
(b)Personal property at an "exhibi-usurpe d po wer, or action taken by
governmental authority in hindering tion";
or defending against any of these.(c)Sales representative property; or
l.Water (d)Personal property in the custody
(1)Any of the following, all whether natu-of any officer or employee of the
rally occurring or due to man-made or insured while traveling outside of
other artificial causes:the Coverage Territory.
(a)Flood, surface water, waves (in-2.We will not pay for loss or damage caused by
cluding tidal wave and tsunami),or resulting from any of the following:
tides, tidal water, overflow of any a.Collapsebody of water, or spray from any (1)Collapse, including any of the follow-of these, all whether driven by ing conditions of property or any por-wind (including storm surge) or tion of the property:not;
(a)An abrupt falling down or caving(b)Mudslide or mudflow;
in;(c)Water or sewage that backs up or
(b)Loss of structural integrity, includ-overflows or is other wise dis-
charged from a sewer, drain,ing separation of portions of the
sump, sump pump or related property or property in danger of
equipment. However, this exclu-falling down or caving in; or
sion doe s not apply to the backup (c)Any cracking, bulging, sagging,or overflow of water or sewage bending, leaning, settling, shrink-from drains within a building if the age, or expansion as such condi-backup or overflow is not other-tion relates to Paragraphs (a)orwisedirectly or indirectly caused (b)above.by the Water Exclusions in Para-
graphs (a)or (b)above or in But if collapse results in a Covered
Paragraphs (d)or (e)below.Cause of Los s at the de scribed prem-
ises, we will pay for the loss or dam-(d)Water under the grou nd surface
age caused by that Covered Causepressing on, or flowing or seeping
of Loss.through:
(2)This Exclusion does not apply:(i)Foundations, walls, floors or
paved surfaces;(a)To an abrupt collapse to the ex-
(ii)Basements, whether paved tent that coverage is provided
or not; or under the Abrupt Collapse Addi-
tional Cov rage ine (3)below; or(iii)Doors, window s or other
openings; or
DX T1 00 11 12 Page 21 of 38© 2011 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
(b)To collapse of Covered Property (iv)Use of defective material or
caused by on e or more of the fol-methods of construction, re-
lowing:modeling or renovation if the
abrupt collapse occurs after(i)Any of the "specified causes the construction, remodeling,of loss" or breakage of build-or renovation is complete, buting glass, all only as insured only if the collapse is causedagainst in this Coverage Part;in part by:(ii)Weight of rain that collects on
•A cause of loss listed ina roof; or Paragraphs (3)(b)(i)or(iii)Weight of people or personal (3)(b)(ii)above;property.
•One or more of the(3)Abrupt Collapse Additional Coverage "specified causes ofThe term Covered Cause of Loss in-loss";cludes abrupt collapse a s described
•Breakage of buildingand limited under Paragraphs (a)
glass;through (g)below.
•Weight of people or(a)As u sed in this Additional Cover-
age, abrupt collapse means property; or
abrupt falling down or caving in of •Weight of rain that col-a building or any portion of a lects on a roof.building with the result that the (c)Abrupt collapse under Para-building or portion of the building graphs (3)(a)and (b)above doescannot be occupied for its in-not apply to:tended purpos e.
(i)A building or any portion of a(b)We will pay for direct physical building that is in danger ofloss of or damage to Covered falling down or caving in;Property, caused by abrupt col-(ii)A portion of a building that islapse of a building or any portion
standing,even if it has sepa-of a building that is insured under rated from another portion ofthis Coverage Form, or that con-the building; ortains Covered Property insured
(iii)A building that is standing orunder this Coverage Form, if
any portion of a building thatsuch collapse is cau sed by one
is standing, even if it showsor more of the following:
evidence of cracking, bulging,(i)Building decay that is hidden sagging, bending, leaning,from view, unless the pre s-settling, shrinkage or expan-ence of such decay is known sion.to an insured prior to col-(d)With respect to the followinglapse;property:(ii)Insect or vermin damage that (i)Television and radio towers,is hidden from view, unless antennas, satellite dishes,the presence of such dam-guy wires, lead-in wiring andage is kno wn to an insured masts;prior to collapse;(ii)Awnings, can opies, gutters,(iii)Use of defective material or downspouts and fences;methods in con struction, re-(iii)Yard fixtures;modeling or renovation if the
(iv)Outdoor swimming pools;abrupt collapse occurs during
the course of the construc-(v)Bulkheads, pilings, piers,tion, remodeling or renova-wharves and docks;tion;
Page 22 of 38 DX T1 00 11 12© 2011 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
(vi)Beach or diving platforms or (g)This Abrupt Collapse Additional
appurtenance s;Coverage will not increase the
Limits of Insurance provided in(vii)Retaining walls;this Coverage Part.(viii)Underground pipes, flues or b.Consequential Lossdrains; and
(1)Delay, loss of use or loss of market;(ix)Walkways, road ways and orother paved surfaces;
(2)Loss of busines s income or extra ex-if abrupt collapse is caused by a pense except as specifically providedCause of Loss listed in Para-in this Coverage Part.graphs (3)(b)(i)through (3)(b)(iv)
c.Dishonestyabove, we will pay for loss or
damage to that property only if:Dishone st or criminal act by you, any of
(i)Such loss or damage is a di-your partners, members, officers, manag-
rect result of the abrupt col-ers, employees (including leased em-
lapse of a building or any por-ployees), directors, trustees, a uthorized
tion of a building insured un-representatives or anyone to whom you
der this Coverage Form; and entrust the property for any purpose:
(ii)The property is Covered (1)Acting alone or in collusion with oth-
Property under this Coverage ers; or
Form.(2)Whether or not occurring during the
(e)If personal property abr uptly falls hours of employment.
down or caves in and such col-This exclusion does not apply to acts oflapse is not the result of abrupt destruction by your employees (includingcollapse of a building or any por-leased employees), but theft by employ-tion of a building, we will pay for ees is not covered.loss or damage to Covered Prop-This exclusion does not apply to carrierserty caused by such collapse of for hire.person al property only if:
d.Electrical Damage or Disturbance(i)The collapse of personal
property was caused by a Artificially generated electrical, magnetic
Cause of Loss listed in Para-or electromagnetic energy that damages,
graphs (3)(b)(i)through disturbs or otherwise interferes with any:
(3)(b)(iv)above;(1)Electrical or electronic wire, device,
(ii)The person al property which appliance, system or network; or
collapses is inside a building;(2)Device, appliance, system or networkandutilizing cellular or satellite technol-
(iii)The person al property which ogy.
collapses is not of a kind Electrical, magnetic or electromagneticlisted in Paragraph (3)(d)energy includes:above, regardless of whether (1)Electrical current, including arcing;that kind of property is con-
sidered to be personal prop-(2)Electrical charge produced or con-
erty or real property.ducted by a magnetic or electromag-
netic field;(f)This Abrupt Collapse Additional
Coverage does not apply to per-(3)Pulse of electromagnetic energy;
sonal property that ha s not (4)Electromagnetic waves or micro-abruptly fallen down or caved in,waves.even if the personal property But if fire results, we will pay for the lossshows evidence of cracking,or damage caused by that fire.bulging, sagging, bending, lean-
ing, settling, shrinkage or expan-This Exclusion does not apply to loss or
sion.damage to "electronic data processing
DX T1 00 11 12 Page 23 of 38© 2011 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
(5)Nesting or infestation or discharge orequipment" or "electronic data processing
data and media".release of waste product s or secre-
tions, by insects, birds, rodent s ore.Explosion other animals;Explosion of steam boilers, steam gen-(6)Mechanical breakdown, includingerators, steam pipes, steam engines or rupture or bur sting caused by cen-steam turbines owned or leased by you,trifugal force. But if mechanicalor operated under your control.breakdo wn results in elevator colli-But if explosion of steam boilers, steam sion, we will pay for the loss or dam-generators, steam pipes, steam engines,age caused by that elevator collision.or steam turbines results in fire or com-This Exclusion does not ap ply to lossbustion explosion, we will pay for the loss or damage to "electronic data proc-or damage caused by that fire or combus-essing equipment" or "electronic datation explosion. We will also pay for loss or processing data and media";damage caused by or re sulting from the
(7)The following causes of loss to per-explosion of gases or fuel within the fur-
nace of any fired vessel or within the flues sonal property:
or passages through which the gases of (a)Dampness or dryne ss of atmos-combustion pass.phere;
f.Exposed Property (b)Change s in or extremes of tem-
Rain, snow, sand, du st, ice or sleet to perature;
person al property in the open (other than (c)Change s in flavor, color, textureto property in the custody of a carrier for or finish;hire).(d)Contamination by other than "pol-g.Freezing lutants"; and
Water, other liquids, powder or molten (e)Marring or scratching.material that leaks or flows from plumb-But if an excluded cause of loss that ising, heating, air conditioning, ventilation listed in Paragraphs (1)through (7)aboveor other equipment (except fire protective results in any of the "specified causes ofsystems) caused by or resulting from loss" or building glass breakage, we willfreezing, unless:pay for the loss or damage caused by(1)You do your be st to maintain heat in such "specified causes of loss" or buildingthe building or structure; or glass breakag e.
(2)You drain the equipment and shut off Also, if an excluded caus e of loss listed inthe supply if the heat is not main-Paragraphs (1)throug h (5)or (7)abovetained.results in mechanical breakdown of "elec-
h.Liquid Seepage or Leakage tronic data processing equipment", we
will pay for the loss or damage caused byContinuous or repeated seepage or leak-that mechanical breakdown of "electronicage of water or other liquid, or the pres-data proces sing equipment".ence or conden sation of humidity, mois-
ture or vapor that occurs over a period of j.Pollution
14 days or more.Discharge, dispers al, seepage, migration,
i.Other Types of Losses release or escape of "pollutants" unless
the discharge, dispers al, seepage, migra-(1)Wear and tear;tion, release or escape is itself caused by(2)Rust, or other corrosion, decay, dete-any of the "specified causes of loss". Butrioration, hidden or latent defect or if the discharge, dispers al, seepage, mi-any quality in property that causes it gration, release or escape of "pollutants"to damage or destroy itself;results in any of the "specified causes of
loss", we will pay for the loss or damage(3)Smog;
caused by such "specified causes of(4)Settling, cracking, shrinking, bulging loss".or expansion;
Page 24 of 38 DX T1 00 11 12© 2011 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
k.Smoke, Vapor or Gas (1)Any cost of:
(a)Correcting or making good theSmoke, vapor or gas from agricultural
smudging or industrial operations.fault, inadequacy or defect itself;
orThis exclusion does not apply to emis-
(b)Tearing down, tearing out, repair-sions or puff backs of smoke, soot, fumes
or vapors from a boiler, furnace or related ing or replacing any part of any
equipment.property to correct the fault, in-
adequacy or defect;l.Voluntary Parting
except as specifically provided underVoluntary parting with any property by the Water or Other Substance L oss –you or anyone else to whom you have en-Tear Out and Replacement Expensetrusted the property.Additional Coverage; orThis Exclusion does not apply to insur-(2)Any resulting loss or d amage by aance provided under this Coverage Form Covered Cause of Loss to the prop-for personal property in transit if the loss erty that has the fault, inadequacy orto Covered Property is cau sed by your defect until the fault inadequacy oracceptance, in good faith, of false bills of defect is corrected.lading or shipping receipts.
4.Special Exclusions3.We will not pay for loss or damage caused by
or resulting from any of the following,3.a.The following exclusions apply only with re-
spect to the specified coverage or property.through 3.c., but if an excluded cause of loss
that is listed in 3.a.and 3.b.below results in a a.Accounts ReceivableCovered Cause of Loss, we will pay for the Under the Accounts Receivable Cover-loss or damage caused by that Covered age Extension, we will not pay for:Cause of Loss.
(1)Loss or damage caused by or re sult-a.Weather conditions. But this exclusion ing from bookkeeping, accounting oronly applies if weather conditions contrib-billing errors or omissions;ute in any way with a cau se or event ex-
cluded in C.1.above to produce the loss (2)Any loss or damage that requires an
or damage.audit of records or an inventory com-
putation to prove its factual existence;b.Acts or decisions, including the failure to oract or decide, of any person, group, or-
ganization or governmental body except (3)Loss or damage caused by or re sult-
as provided in the Additional Coverage –ing from alteration, falsification, con-
Ordinance or Law Coverage.cealment or destruction of records of
accounts receivable done to concealc.Faulty, inadequate or defective:wrongful giving, taking or withholding(1)Planning, zoning, development, sur-of money, securities or other prop-veying, siting;erty.But this exclusion only applies to
(2)Design, specifications, workmanship,the wrongful giving, taking or with-
repair, construction, renovation, re-holding.
modeling, grading, compaction;b.Valuable Papers and Records
(3)Materials used in repair, construction,We will not pay for any loss of or damagerenovation or remodeling; or to "valuable papers and record s" caused
(4)Maintenance;by or resulting from the following.In addi-
tion, we will not pay for any loss that is aof part or all of any property on or off the consequence of such loss or damage.described premises.
(1)Unauthorized viewing, copying or useIf an excluded cause of loss that is listed of electronic data (or any proprietaryin3.c.above results in a Covered Cause or confidential information or intellec-of Loss, we will pay for the resulting loss tual property in any form) by any per-or damage caused by that Covered son, even if such activity is character-Cause of Loss.But we will not pay for:ized as theft;
DX T1 00 11 12 Page 25 of 38© 2011 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
(2)Errors or omission s in proce ssing or connected or on which your sys-
copying.But if errors or omissions in tem depends (including the elec-
processing or copying results in fire tronic data in such system or
or explosion, we will pay for the re-network) results in any of the
sulting loss or damage caused by "specified causes of loss" or re-
that fire or explosion; or sults in mechanical breakdown of
"electronic data processing(3)Unauthorized instructions to transfer equipment", we will pay for theproperty to any person or place.loss or damage caused by thatc.Electronic Data Processing Equipment "specified cause of loss" or me-and Electronic Data Processing Data chanical breakdown of "electronicand Media data proces sing equipment"; or
(1)We will not pay for loss of or damage (d)Unexplained or indeterminableto"electronic data processing eq uip-failure, malfunction or slowdownment", any other programmable elec-of any electronic data processingtronic machines,"electronic data system or network, including theprocessing data and media" or other electronic data in such system orelectronic data caused by or resulting network, and the inability to ac-from the following.In addition, we will cess or pro perly manipulate thenot pay for any loss that is a con se-electronic data.quence of such loss or damage.(2)We will not pay for loss of or damage(a)Programming errors, omissions to "electronic data processing dataor incorrect instructions to a ma-and media" or other electronic datachine.But if programming errors,while being sent electronically.In ad-omissions or incorrect instruc-dition, we will not pay for any losstions to a machine result in any of that is a con sequence of such los s orthe"specified causes of loss" or damage.result in mechanical breakdown 5.Additional Exclusionof"electronic data processing
equipment", we will pay for the The following exclusion applies only to
loss or damage caused by that loss or d amage to the specified property
"specified cause of loss" or me-and to loss that is a conseque nce of such
chanical breakdown of "electronic loss or damage to the specified property.
data proces sing equipment";Loss or Damage to Products
(b)Unauthorized viewing, copying or We will not pay for loss of or damage touse of "electronic data processing any merchandise, good s or other productdata and media" by any person,caused by or re sulting from error or omis-even if such activity is character-sion by any per son or entity (includingized as theft;those h aving possession under a n ar-
(c)Errors or deficiency in design, in-rangement where work or a portion of the
stallation, maintenance, repair or work is outso urced) in any stage of the
modification of your electronic development, production or use of the
data processing system or any product, including planning, testing, proc-
electronic data processing sys-essing, packaging, installation, mainte-
tem or network to which your sy s-nance or rep air.This exclusion applies to
tem is connected or on which any effect that compromises the form,
your system depends (including substance, or qu ality of the product.But,
the electronic data in such sys-if such error or omission results in a Cov-
tem or network).But if errors or ered Cause of Loss, we will pay for the
deficiency in design, installation,loss or damage caused by that Covered
maintenance, repair or modifica-Cause of Loss.
tion of your electronic data proc-D.LIMITATIONSessing system or any electronic The following limitations apply to all coveragedata processing system or net-forms and endorsements unless otherwi se stated.work to which your system is
Page 26 of 38 DX T1 00 11 12© 2011 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
1.We will not pay for loss of or damage to prop-2.The special limit shown for each category,a.
erty, as described and limited in this section.through c., is the total limit for loss of or dam-
In addition, we will not pay for any loss that is age to all property in each category.The spe-
a consequence of loss or damage as de-cial limit applies to any one occurrence of
scribed and limited in this section.theft, regardless of the types or number of ar-
ticles that are lost or damaged in that occur-a.Steam boilers, steam pipes, steam en-
rence. The special limits are:gines or steam turbines caused by or re-
sulting from any condition or event inside a.$25,000 for furs, fur garments and gar-such equipment. But we will pay for loss ments trimmed with fur.of or damage to such equipment caused b.$25,000 for jewelry, watches, watchby or resulting from an explosion of gases movements, jewels, pearls, precious andor fuel within the furnace of any fired ves-
semi-precious stone s, bullion, gold, silver,sel or within the flues or pa ssage s
platinum and other precious alloys orthrough which the gases of combustion
metals, but;pass.
b.Hot water boilers or other water heating (1)This limit is increased to $50,000 for
equipment caused by or resulting from gold, silver, platinum, and other pre-
any condition or event inside such boilers cious alloys or metals used a s a ra w
or equipment, other than an explosion.material in your manufacturing proc-
ess; andc.The "interior of a building or structure", or
to personal property in the building or (2)This limit does not apply to jewelrystructure, caused by or resulting from and watche s worth $100 or less perrain, snow, sleet, ice, sand or dust,item.whether driven by wind or not, unless:c.$5,000 for stamps, tickets (including lot-(1)The building or structure first sustains tery tickets held for sale) and letters ofdamage by a Covered Cause of Loss credit.to its roof or walls through which the
These special limits are part of, not in additionrain, snow, sleet, ice, sand or dust
to, the Limit of Insurance applicable to theenters; or
Covered Property.(2)The loss or damage is caused by or
3.If the building where lo ss or damage occursresults from thawing of snow, sleet or
ice on the building or structure.has been "vacant" for a period of more than
60 consecutive days before that loss or dam-d.Property that is missing, where the only age occurs:evidence of the loss or damage is a
shortage disclosed on taking inventory, or a.We will not pay for any loss or damage
other instances where there is no physi-caused by any of the following even if
cal evidence to show what happ ened to they are Covered Causes of Loss:the property.(1)Vandalism;This limitation does not apply to property (2)Sprinkler leakage, unless you havein the custody of a carrier for hire.protected the system against freez-e.Property that has bee n tran sferred to a ing;person or place o utside the described (3)Building glass breakage;premises on the basis of unauthorized in-
structions.(4)Water damage;
f.Trees, shrubs, plants or lawn s on a vege-(5)Theft; ortative roof or "stock" of outdoor trees,(6)Attempted theft.shrub s and plants caused by or resulting
b.With respect to Covered Causes of Lossfrom:
other than those listed in a.(1)through(1)Dampness or drynes s of atmosphere;a.(6)above, we will reduce the amount(2)Change s in or extremes of tempera-we would other wise pay for the loss orture; or damage by 15%.
(3)Rain, snow, san d, dust, ice or sleet.
DX T1 00 11 12 Page 27 of 38© 2011 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
E.LIMITS OF INSURANCE amounts applied in that occurrence will not ex-
ceed the amount of the largest applicable de-The most we will pay for loss or damage in any ductible.one occurrence is the applicable Limit of Insur-
G.LOSS CONDITIONSance sho wn in the Declarations, Schedules, Cov-
erage Form(s), or Endorsement(s).The following conditions apply in addition to the
Payments under:Common Policy Conditions – Deluxe:
1.The following Additional Coverages:1.Abandonment
a.Fire Department Service Charge;There can be no aban donment of any prop-
erty to us.b.Fire Protective Equipment Discharge;
2.Appraisalc.Limited Coverage for Fungus, Wet Rot or
Dry Rot;If we and you disagre e on the value of the
property or the amount of loss, either mayd.Stored Water; and make written demand for an appraisal of thee.Water or Other Substance Lo ss – Tear loss. In this event, each party will select aOut and Replacement Expense;competent and impartial appraiser. The two
appraiser s will select an umpire. If they can-and
not agree, either may request that selection2.The following Coverage Extensions:be made by a judge of a court having jurisdic-a.Covered Leasehold Interest –Undam-tion. The appraisers will state separately theaged Improvements and Betterments;value of the property and amount of loss. Ifandthey fail to agree, they will submit their differ-
ences to the umpire. A decision agreed to byb.Theft Damage To Rented Property;
any two will be binding. Each party will:are included in and do not increase the a pplicable
a.Pay its chosen appraiser; andLimits of Insurance.
b.Bear the other expen ses of the apprais alPayments under the Debris Removal Additional
and umpire equally.Coverage and the Pre servation of Property Addi-
tional Coverage are included in the applicable If there is an apprais al, we will still retain ourCovered Property Limit(s) of Insurance and/or are right to deny the claim.additional insurance, as de scribed in the Debris 3.Duties in the Event of Loss or DamageRemoval Additional Coverage in Section A.3.a.
a.You must see that the following are doneand the Preservation of Property Additional Cov-
in the event of loss of or damage to Cov-erage in Section A.3.j.
ered Property:Payments under the Electronic Data Processing
(1)Notify the police if a law may haveData and Media Coverage Extension are included
been broken.in the applicable Covered Property Limit(s) of In-
surance and/or are additional insurance, as de-(2)Give us prompt notice of the loss orscribed in the Electronic Data Processing Data damage. Include a description of theand Media Coverage Extension in Section A.4.g.property involved.
The remaining Additional Coverages in Section (3)As soon as possible, give us a de-A.3.and the remaining Coverage Extensions in scription of how, when, and whereSectionA.4.are additional insurance.the loss or damage occurred.
F.DEDUCTIBLE (4)Take all reasonable step s to protect
the Covered Property from furtherWe will not pay for loss or damage in any one
damage, and keep a record of youroccurrence until the amount of loss or damage
expenses nece ssary to protect theexceeds the applicable Deductible shown in the
Covered Property, for considerationDeclarations. We will then pay the amount of loss
in the settlement of the claim. Thisor damage in excess of the applicable Deductible,
will not increase the Limit of Insur-up to the applicable Limit of Insurance.
ance.However, we will not pay forUnless other wise stated, if more than one de-any loss or damage resulting from aductible amount applies to loss or damage in any cause of loss that is not a Coveredone occurrence, the total of the deductible Cause of Loss. Also, if feasible, set
Page 28 of 38 DX T1 00 11 12© 2011 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
(4)Repair, rebuild, or replace the prop-the damaged property aside and in
the be st po ssible order for examina-erty with other property of like kind
and quality subject to b.,c.,d.and e.tion.
below.(5)At our request, give us complete in-
ventories of the damaged and un-b.A party wall is a wall that separates and is
damaged property. Include quantities,common to adjoining buildings that are
costs, values and amount of loss owned by different parties.In settling
claimed.covered losses involving a party wall, we
will pay a proportion of the loss to the(6)As often as may be rea sonably re-
party wall based on your interest in thequired, permit us to inspect the prop-
wall in proportion to the interest of theerty and records proving the loss or
damage and examine your books and owner of the adjoining building.However,
records.if you elect to repair or replace your build-
ing and the owner of the adjoining build-Also permit us to take samples of ing elects not to repair or replace thatdamaged and undamaged property building, we will pay you the full value offor inspection, testing and analysis
the loss to the party wall, subject to alland permit us to make copies from
applicable Coverage Part provisions in-your books and records.
cluding Limits of Insurance, the Valuation(7)Send us a signed, s worn proof of loss Loss Condition and all other provisions ofcontaining the information we reque st this Loss Payment Loss Condition.Ourto investigate the claim. You must do payment under the provisions of thisthis within 60 days after our request.paragraph doe s not alter any right of sub-We will supply you with the nece s-
rogation we may have against any entity,sary forms.
including the owner or insurer of the ad-(8)Cooperate with us in the investigation joining building, and does not alter theor settlement of the claim.terms of the Additional Condition – Trans-(9)You will not, except at your own cost,fer of Rights of Recovery Against Othersvoluntarily make a payment, assume To Us in this Coverage Form.any obligation, or incur any expense c.Except as provided in the Additional Cov-without our consent except as re-erage - Ordinance or La w Coverage, thespectsto protecting property from fur-
cost to repair, rebuild or replace does notther damage.
include the increased cost attributable tob.enforcement of any ordinance or lawwhile not in the presence of any other in-regulating the construction, use or re pairsured an d at such times as may be rea-of any property.sonably required, about any matter relat-
ing to this insurance or the claim, includ-d.The following loss payment provisions are
ing an insured's book s and record s. In the subject to the apportionment procedures
event of an examination, an insured's an-set forth in Additional Coverage – Ordi-
swers must be signed.nance or Law Coverage:
4.Loss Payment The most we will pay, for the total of all
covered losses in any one occurrencea.In the event of loss or damage covered
under Coverage A – Coverage For Lossby this Coverage Form, at our option, we
will either:To The Undamaged Portion of the Build-
ing, Coverage B – Demolition Cost Cov-(1)Pay the value of lost or damaged erage and Coverage C – Increased Costproperty;of Construction Coverage, is the Com-(2)Pay the cost of repairing or replacing bined Limit of Insurance shown in thethe lost or damaged property subject Declarations for Ordinance or Law Cov-to b.,c.,d.and e.below;erage.Subject to this Combined Limit of(3)Take all or any part of the property at Insurance, the following los s paymentan agreed or appraised value; or provisions apply:
DX T1 00 11 12 Page 29 of 38© 2011 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
We may examine any insured under oath,
(1)For a loss in value of an undamaged Additional Coverage – Ordinance
portion of a building to which Cover-or Law Coverage;
age A ap plies, the loss p ayment for whichever is less.that undamaged portion of the build-(3)Loss payment under Coverage C willing will be determined as follows:be determined as follows:(a)If Replacement Cost Coverage (a)We will not pay under Coverageapplies and the property is being C:repaired or replaced, on the
same or another location, we will (i)Until the property is actually
not pay more than the lesser of:repaired or replaced, at the
same or another location;(i)The cost to repair, rebuild or andreconstruct the undamaged
portion of the building that (ii)Unless the re pairs or re-
was nece ssarily demolished placement are made as soon
as a consequence of the or-as rea sonably possible after
dinance or law but not for the loss or damage, not to
more than the amount it exceed two years.We may
would cost to restore that un-extend this period in writing
damaged portion of the build-during the two years.
ing on the same location and (b)If the building is repaired or re-to the same height, floor placed at the same location, or ifarea, style and comparable you elect to rebuild at another lo-quality of the original property cation, the most we will pay un-insured; or der Coverage C is the lesser of:
(ii)The Combined Limit of Insur-(i)The increased cost of con-ance shown in the Declara-struction at the same loca-tions for the Additional Cov-tion; orerage– Ordinance or La w (ii)The Combined Limit of Insur-Coverage.ance shown in the Declara-(b)If Replacement Cost Coverage tions for the Additional Cov-applies and the property is not erage – Ordinance or La wrepaired or replaced, or if Re-Coverage.placement Cost Coverage does (c)If the ordinance or law requiresnot apply, we will not pay more relocation to another location, thethan the lesser of:most we will pay under Coverage(i)The Actual Cash Value at the C is the lesser of:time of loss of the undam-(i)The increased cost of con-aged portion of the building struction at the new location;that is required to be demol-orished as a consequence of
the ordinance or law; or (ii)The Combined Limit of Insur-
ance shown in the Declara-(ii)The Combined Limit of Insur-tions for the Additional Cov-ance shown in the Declara-erage – Ordinance or La wtions for the Additional Cov-Coverage.erage – Ordinance or La w
Coverage.e.Except as specifically provided under the:
(2)Loss payment under Coverage B will (1)Green Building Alternatives – In-
be determined as follows:creased Cost Additional Coverage;
and(a)The amount you actually spend
to demolish and clear the site; or (2)Green Building Reengineering and
Recertification Expense Additional(b)The Combined Limit of Insurance Coverage;shown in the Declarations for the
Page 30 of 38 DX T1 00 11 12© 2011 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
(1)The total of a.(1)and a.(2)above;the cost to repair, rebuild or replace does
not include any cost incurred to reattain a (2)The value of the recovered property;pre-loss level of "green building" certifica-ortion from a "Green Authority".(3)The Limit of Insurance;f.With respect to our options listed in whichever is less.4.a.(1)through 4.a.(4)above, we will give
notice of our intentions within 30 days af-6.Valuation
ter we receive the proof of loss.We will determine the value of Covered Prop-
g.We will not pay you more than your finan-erty in the event of loss or damage as follows:
cial interest in the Covered Property.a.At replacement cost as of the time of loss
h.We may adjust losses with the owners of or damage, except as otherwise provided
lost or damaged property if other than in this Valuation Loss Condition. Re-
you. If we pay the owners, such pay-placement cost is the cost to replace
ments will satisfy your claims against us Covered Property at the time of loss or
for the owner's pro perty. We will not pay damage without deduction for deprecia-
the owner s more than their financial in-tion.
terest in the Covered Property.(1)You may make a claim for loss or
i.We may elect to defend you against suits damage covered by this insurance on
arising from claims of owner s of property.an actual cash value basis instead of
We will do this at our expense.on a replacement cost ba sis.In the
event you elect to have loss or dam-j.We will pay for covered loss or damage age settled on an actual cash valuewithin 30 days after we receive the sworn basis, you may still make a claim onproof of loss, if:a replacement cost basis if you notify(1)You have complied with all of the us of your intent to do so within 180terms of this Coverage Part; and days after the loss or damage.
(2)(a)We have reached agreement with (2)We will not pay on a replacementyou on the amount of loss; or cost basis for any loss or damage:
(b)An appraisal award ha s been (a)Until the lost or damaged prop-made.erty is actually repaired or re-
placed; andk.At our option, we may make a partial
payment toward any claims, subject to (b)Unless the repairs or replace-the policy provisions and our normal ad-ment are made as soon as rea-justment process. To be considered for a sonably possible after the loss orpartial claim payment, you must submit a damage.partial sworn pro of of loss with supporting Instead, we will pay on an actualdocumentation. Any applicable policy de-cash value basis. This restrictionductibles must be satisfied before any does n ot apply to losses les s thanpartial payments are made.$10,000.5.Recovered Property (3)We will not pay more for loss or dam-If either you or we recover any property after age on a replacement cost basis thanloss settlement, that party must give the other the least of (a),(b), or (c), subject toprompt notice. At your option, the property will (4)below:be returned to you. You must then return to (a)The Limit of Insurance applicableus the amount we paid to you for the prop-to the lost or damaged property;erty.
(b)The cost to replace, at the samea.We will pay:premises, the lo st or damaged(1)Recovery expenses; and property with other property;
(2)Costs to repair the recovered prop-(i)Of comparable material anderty;quality; and
b.But the amount we will pay will not ex-
ceed:
DX T1 00 11 12 Page 31 of 38© 2011 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
(ii)Used for the same purpose;Electronic Data Processing Data and Me-
or dia Coverage Extension.
(c)The amount you actually spend d.Tenant's improvements and betterments
that is necessary to repair or re-at:
place the lost or damaged prop-(1)Replacement cost of the lost or dam-erty.aged property if it is actually repaired
If a building is rebuilt at a different or replaced as soon as rea sonably
premises, the cost described in (b)possible.
above is limited to the cost which (2)A proportion of your original cost ifwould have been incurred had the you do not make repairs as soon a sbuilding been built at the original reason ably possible.We will deter-premises.mine the proportionate value as fol-
(4)The cost to repair, rebuild, or replace lows:
does not include the increased cost (a)Multiply the original cost by theattributable to enforcement of any or-number of days from the loss ordinance or law re gulating the con-damage to the expiration of thestruction, use or repair of any prop-lease; anderty, except as provided in the Addi-(b)Divide the amount determined intional Coverage - Ordinance or Law (a)above by the number of daysCoverage.from the installation of improve-b."Electronic data processing equipment"ments to the expiration of thewill be valued at replacement cost as of lease.the time and place of loss, in accordance If your lease contains a re ne wal op-with the replacement cost provisions con-tion, the expiration of the renewal op-tained in this Valuation Loss Condition.tion period will replace the expirationHowever, if replacement of "electronic of the lease in this procedure.data processing eq uipment" with compa-
(3)Nothing if others pay for repairs orrable property is impossible, the replace-
ment cost will be the cost of items that replacement.
are similar to the damaged or destroyed e.Personal property you have sold but notequipment and intended to perform the delivered at the selling price less dis-same function, but which may include counts and expens es you other wisetechnological advances.would have had.
In no event will the value determined for:f.Personal property of others at the lesser
(1)"Electronic data processing eq uip-of:
ment" owned by other s exceed the (1)The valuation of such property if itamount for which you are liable; or were o wned by you; or
(2)"Electronic data processing eq uip-(2)The amount for which you are con-ment" that is obsolete or no longer tractually liable, not to exceed the re-used by you exceed the actual cash placement cost.value of such equipment at the time g."Stock" in process at the cost of raw ma-of loss.terials and labor, plus the proper propor-c."Electronic data processing data and me-tion of overhead charges.dia" will be valued at:h.Finished "stock" you manufacture at:(1)The cost of blank media; and (1)The s e l ng pri e,a i n o lo s olicsfsr(2)The cost of labor to copy the elec-dam ge o curred;a ctronic data from a duplicate of the (2)Less discou nts and expense s youelectronic data, but only if the lost otherwise would have had.electronic data is actually copied.
i.Personal property in transit at:The restoration of "electronic data proc-
essing data and media" for which dupli-(1)(a)The amount of invoice; or
cates do not exist is provided under the
Page 32 of 38 DX T1 00 11 12© 2011 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
(b)In the absence of an invoice, the n.Patterns, dies, molds, and forms not in
least of the following:current usage at actual cash value. If loss
is paid on an actual cash value basis, and(i)The value of the Covered within 24 months from the date of the lossProperty;you need to rep air or replace one or more(ii)The cost of reasonably re-of them, we will pay you, subject to thestoring that property to its conditions of this insurance, the differ-condition immediately before ence betwee n actual cash value and re-loss or damage; or placement cost for those patterns, molds
and dies which are actually repaired or(iii)The cost of replacing that
replaced.property with substantially the
same property;o.Personal property valuation includes the
pro-rated value of non-refundable andplus
non-transferable extended warranties,(2)The amount of any prepaid freight maintenance contracts or service con-charges and other shipping costs or tracts that you purcha sed, on lo st or dam-charges that are incurred while the aged personal property that you repair orproperty is in transit.replace. This applies only when the ex-j.Glass at:tended warranty, maintenance contract or
service contract is voided due to the loss(1)The cost of replacement with safety
or damage to the personal property.glazing material if required by law;
p.If branded or labeled merchandise that isplus
Covered Property is damaged by a Cov-(2)The amount of reasonable expense s ered Cau se of Loss an d we take all orincurred to put up temporary plates or part of the property at an agreed or ap-board up opening s if repair or re-praised value, we will pay, subject to theplacement of the damaged glass is Limit of Insurance that applies to thedelayed.damaged property:k."Valuable papers and records" at the cost (1)The reason able expense s you incurof:to:(1)Blank material for reproducing the re-(a)Stamp the word Salvage on thecords; and merchandise or its containers, if(2)Labor to transcribe or copy record s the stamp will not physicallyfor which duplicates exist.damage the merchandise; or
The restoration of data on "aluable pa-v (b)Remove the brands or labels, if
pers and record s"for which duplicates do doing so will not physically dam-not exist is provided under the Valuable age the merchandise. You mustPapers and Records – Cost of Research re-label the merchandise or itsCoverage Extension.containers to comply with the law.
l.Works of arts, antiques or rare articles at (2)The reduction in the salvage value ofthe least of:the damaged merchandise with the
brand or label removed.(1)The price at which the property could
likely be sold prior to loss or damage q.If you decide to repair or rebuild buildingsif offered for sale in a fair market on which have sustained loss or damage,the date the loss or damage oc-our payment will include any reasonablecurred;and necessary architectural, engineering,
consulting or supervisory fees incurred.(2)The cost of reasonably restoring that
This will not increase the applicable Lim-property; or
its of Insurance.(3)The cost of replacing that property r.Pairs, sets or parts:with sub stantially the same property.
(1)In case of loss to any part of a pair orm.Personal property at "exhibitions" at the
set we may at our option:lesser of replacement cost or the original
cost to you.
DX T1 00 11 12 Page 33 of 38© 2011 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
(a)Repair or replace any part to re-b.The action is brought within 2 years after
store the pair or set to its value the date on which the direct physical loss
before the loss; or or damage occurred.
(b)Pay the difference between the 5.Liberalization
value of the pair or set before and If we adopt any revision that would broadenafter the loss.the coverage under this Coverage Part with-
(2)In case of loss to any part of Covered out additional premium within 60 days prio r to
Property consisting of several parts or during the policy period, the broadened
when complete, we will only pay for coverage will immediately apply to this Cov-
the value of the lost or damaged part.erage Part.
H.ADDITIONAL CONDITIONS 6.Mortgageholders
a.The term mortgageholder includes trus-The following conditions apply in addition to the
Common Policy Conditions – Deluxe:tee.
1.Concealment, Misrepresentation or Fraud b.We will pay for covered loss of or damage
to buildings or structures to e ach mort-This Coverage Part is void in any case of gageholder sho wn in the Declarations infraud by you as it relates to this Coverage their order of precedence, as interestsPart at any time. It is also void if you or any may appear.other insured, at any time, intentionally con-
c.The mortgageholder has the right to re-ceal or misrepresent a material fact concern-
ing:ceive loss payment even if the mortgage-
holder has started foreclosure or similara.This Coverage Part;action on the building or structure.b.The Covered Property;d.If we deny your claim because of yourc.Your interest in the Covered Property; or acts or becau se you have failed to com-
ply with the terms of this Coverage Part,d.A claim under this Coverage Part.
the mortgageholder will still have the right2.Control of Property to receive loss payment if the mortgage-The breach of any condition of this Coverage holder:Part as a result of act or neglect of any per-(1)Pays any premium due under thisson other than you beyond your direction or Coverage Part at our request if youcontrol will not affect this insurance.have failed to do so;The breach of any condition of this Coverage (2)Submits a signed, sworn proof of lossPart at any one or more locations will not af-within 60 days after receiving noticefect coverage at any location where, at the from us of your failure to do so; andtime of loss or damage, the breach of condi-
(3)Has notified us of any change intion does not exist.
ownership, occupancy or substantial3.Currency change in risk known to the mort-The amounts used within this Coverage Part gageholder.are in the currency of the United States of All of the terms of this Coverage Part willAmerica and all premium and losses are pay-then apply directly to the mortgageholder.able in United States currency.In the event of
e.If we pay the mortgageholder for any lossa loss adjustment involving currency other
or damage and deny payment to you be-than United States currency, the conversion
cause of your acts or because you haveinto United States currency will be at the pub-
failed to comply with the terms of thislished rate of exchange as of the date of the
Coverage Part:loss.
(1)The mortgageholder's rights under4.Legal Action Against Us
the mortgage will be transferred to usNo one may bring a legal action against us to the extent of the amount we pay;under this Coverage Part unless:anda.There has bee n full compliance with all of
the terms of this Coverage Part; and
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(2)The mortgageholder's right to recover vice warranty agreement, even if it is
the full amount of the mortgage-characterized as insurance.
holder's claim will not be impaired.9.Policy Period, Coverage Territory
At our option, we may pay to the mort-Under this Coverage Part:gageholder the whole principal on the a.We cover loss or damage commencing:mortgage plus any accrued interest. In
(1)During the policy period shown in thethis event, your mortgage and note will be
transferred to us and you will pay your Declarations; and
remaining mortgage debt to us.(2)Within the Coverage Territory.
f.If we cancel this policy, we will give writ-b.Except as otherwise specifically provided,ten notice to the mortgageholder at least:the Coverage Territory is:
(1)10 days before the effective date of (1)The United States of America (includ-cancellation if we cancel for your non-ing its territories and pos sessions);payment of premium; or (2)Puerto Rico; and(2)60 days before the effective date of (3)Canada.cancellation if we cancel for any other
reason.10.Transfer of Rights of Recovery Against
Others to Usg.If we elect not to renew this policy, we will
give written notice to the mortgageholder If any person or organization to or for whom
at least 60 days before the expiration we make payment under this Coverage Part
date of this policy.has rights to recover damages from another,
those rights are tran sferred to us to the extent7.No Benefit to Bailee of our payment. That person or organizationNo person or organization, other than you,must do everything necessary to secure ourhaving custody of Covered Property will rights and must do n othing after loss to impairbenefit from this insurance.them. But you may waive your rights against
8.Other Insurance another party in writing:
a.You may have other insurance subject to a.Prior to a loss under this Coverage Part.
the same plan, terms, conditions and pro-b.After a loss un der this Coverage Part onlyvisions as the insurance under this Cov-if, at time of loss, that party is on e of theerage Part. If you do, we will pay our following:share of the covered loss or damage. Our (1)Someone insured by this insurance;share is the proportion that the applicable
Limit of Insurance under this Coverage (2)A busines s firm:
Part bears to the Limits of Insurance of all (a)Owned or controlled by you; orinsurance covering on the same basis.(b)That owns or controls you; orb.If there is other insura nce covering the (3)Your tenant.same loss or damage, other than that de-
scribed in Paragraph a.above, we will This will not restrict your insurance.
pay only for the amount of covered loss 11.Unintentional Errors In Descriptionor damage in excess of the amount due
Your error in ho w you de scribe the addre ss offrom that other insurance, whether you
a location in the Location Schedule shall notcan collect on it or not. But we will not pay
prejudice coverage afforded by this policy,more than the applicable Limit of Insur-
provided such error is not intentional. Anyance.
such error shall be reported and correctedc.If loss or damage is also covered by a when discovered and appropriate premiumservice agreement, any amounts payable charged.for such loss or damage under this Cov-I.OPTIONAL COVERAGESerage Part will be excess over any
amounts payable under such agreement.If shown a s applicable in the Declarations, the
Service agreement means a service plan,following Optional Coverages apply separately to
property restoration plan, or similar ser-each item.
DX T1 00 11 12 Page 35 of 38© 2011 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
1.Actual Cash Value replaces the term Re-software which are used with elec-
placement Cost where used in the Valuation tronically controlled equipment;
Loss Con ditions in Section G.6.of this Cov-(2)The electronic media on which theerage Form.data is stored; and
2.Inflation Guard (3)Programming records and instruc-
a.The Limit of Insurance for property to tions used with "electronic data proc-
which this Optional Coverage applies will essing equipment".
automatically increase by the annual per-b."Electronic data processing data and me-centage sho wn in the Declarations.dia" does not mean:
b.The amount of increase will be:(1)Prepackaged software;
(1)The Limit of Insurance that applied on (2)Property that you manufacture orthe most recent of the policy incep-hold for sale; ortion date, the policy anniversary date,(3)Property that is licensed, leased, oror any other policy change amending rented to others.the Limit of Insurance; times
2."Electronic Data Processing Equipment"(2)The percentage of annual increase means the following:shown in the Declarations, expressed
as a decimal (example: 8% is .08);a."Electronic data processing equipment"
times means any of the following equipment
used in your data processing operations:(3)The number of days since the be gin-
(1)Electronic data processing eq uip-ning of the current policy year or the
effective date of the most recent pol-ment, facsimile machines, word proc-
icy change amending the Limit of In-essors, multi-functional telephone
surance, divided by 365.equipment and laptop and portable
computers; andExample:
(2)Any component parts or peripheralsIf:of such equipment, including relatedThe applicable Limit of Insurance surge protection devices.is:$100,000 b."Electronic data processing equipment"The annual percentage increa se does not mean:is:8%(1)Property that is in the course ofThe number of days since the be gin-manufacture, or held for sale or dis-ning of the policy year (or last policy tribution by you;change)(2)Property that is leased or rented tois:146 others; orThe amount of the increase is:(3)Equipment that is used to control or$100,000 x .08 x 146/365 = $3,200 operate production-type machinery orJ.DEFINITIONS equipment.
1."Electronic Data Processing Data and Me-3."Employee Tools"means tools and equip-dia"means the following:ment owned by your employees and u sed in
a."Electronic data processing data and me-your busines s operations.
dia" means:4."Exhibition"means the temporary display of
(1)Data stored on, created or used on,person al property at a convention, exposition,
or transmitted to or from computer trade show or similar event at a location you
software (including systems and ap-do not own or regularly occupy.
plications software) on electronic data 5."Fine Arts"means paintings, etchings, pic-processing recording or storage me-tures, tapestries, art glass windo ws, valuabledia such as hard or floppy disks,rugs, statuary, marbles, bronzes, antique fur-CDs, DVDs, flash memory, tapes,niture, rare books, antique silver, manu-drives, cells, data processing devices scripts, porcelains, rare glass, bric-a-brac andor any other repo sitories of computer
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Includes copyrighted material of Insurance Services Office, Inc. with its permission.
b.The "interior of a building or structure", orsimilar property of rarity, historical value, or
artistic merit.property inside a building or structure,
unless the roof or an exterior wall of the6."Fungus"means any type or form of fungus,building or structure is first damaged by aincluding mold or mildew, and any mycotox-falling object.ins, spores, scents, or by-product s prod uced
or released by fungi.When the Causes of Loss – Earthquake en-
dorsement, Causes of Loss – Earthquake7."Green"means products, materials, methods Sprinkler Leakage endorsement or Causes ofand processes that conserve natural re-Loss – Broad Form Flood endorsement is in-sources, reduce energy or water con sump-cluded in this Coverage Part,"specifiedtion, avoid toxic or other polluting emissions causes of loss" also includes such cause ofor otherwi se minimize the environmental im-loss, but only to the extent such cause of losspact.is insured against under this Coverage Part.8."Green Authority"means a recognized au-13."Stock"means merchandise held in storagethority on "green" building or "green" prod-or for sale, raw materials and in-proces s oructs, materials or processe s.finished good s, including supplies used in9."Interior of a Building or Structure"means their packing or shipping.any portion of a building or structure that is 14."Territorial Waters"means that portion ofwithin the exterior-facing surface material of the sea which is immediately adjacent to thethe building or structure.shores of any country and over which the10."Pollutants"means any solid, liquid, gase-sovereignty and exclusive jurisdiction of thatous or thermal irritant or contaminant, includ-country extends, but not exceeding 12 nauti-ing smoke, vapor, soot, fumes, acids, alkalis,cal miles from the mean low-water mark ofchemicals, waste and any unhe althful or haz-the shore of that country.ardous b uilding materials (including but not 15."Vacant"means the following:limited to asbestos an d lead products or ma-
a.When this policy is issued to a tenant, aterials containing lead). Waste includes mate-
rials to be recycled, reconditioned or re-building is "vacant" when it does not con-
claimed.tain enough busines s per sonal property
to conduct customary operations.With11."Sinkhole Collapse"means the sudden respect to tenant's interest in Coveredsinking or collapse of land into underground Property, building means the unit or suiteempty spaces created by the action of water rented or leased to the tenant.on limestone or dolomite.
b.This cause of loss does not include:general lessee of a building, a building is(1)The cost of filling sinkholes; or "acant" unless at least 31% of its totalv
square footage is:(2)Sinking or collapse of land into man made
underground cavities.(1)Rented to a lessee or sub-lessee and
used by the les see or sub-les see to12."Specified Causes of Loss"means the fol-
conduct its customary operations;lowing: Fire; lightning; explosion; windstorm
and/oror hail; smoke (including the emission or puff
back of smoke, soot, fumes or vapors from a (2)Used by the building owner to con-boiler, furnace or related equipment); aircraft duct customary operations.or vehicles; riot or civil commotion; vandalism;With respect to the owner or gener al les-leakage from fire extinguishing equipment;see's interest in Covered Property, build-"sinkhole collapse"; volcanic action; falling ob-ing means the entire building.jects as limited below; weight of snow, ice or
c.A building under construction or renova-sleet;"water damage", all only as other wise
insured against in this Coverage Part.tion is not considered "vacant".
16."Valuable Papers and Records"means in-Falling objects doe s not include loss or dam-
age to:scribed, printed or written documents, manu-
scripts or records, including abstracts, books,a.Personal property in the open; or deed s, drawings, films, maps and mortgages.
DX T1 00 11 12 Page 37 of 38
When this policy is issued to the owner or
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Includes copyrighted material of Insurance Services Office, Inc. with its permission.
But "Valuable papers an d record s" do es not that is located on the de scribed premises
mean:and contains water or steam; and
a.Accounts receivable;b.Accidental discharge or leakage of water
as the direct result of the breaking apartb.Money or securities; or or cracking of a water or sewer pipe thatc."Electronic data processing data and me-is located off the described premises, ifdia" or any other data that exists on elec-the breakage or cracking is caused bytronic media.wear an d tear.This provision serves as
17."Water damage"means:an exception to the wear and tear exclu-
sion under the Other Types of Lossesa.Accidental discharge or leakage of water Exclusion in Section (C.2.i.).But wateror steam as the direct result of the break-damage does not include loss or damageing apart or cracking of a plumbing, heat-otherwise excluded under the terms ofing, air conditioning or other system or the Water Exclusion (C.1.l.).appliance (other than a sump system in-
cluding its related equipment and parts)
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DELUXE BUSINESS INCOME (AND EXTRA EXPENSE)
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 policy the words "you" and "your" refer to the Named Insured shown in the Declarations. The
words "we","us" and "our" refer to the Company providing this insurance.
Other words and phra ses that appear in quotation marks have special meaning.REFER TO SECTION G.–
DEFINITIONS in this Coverage Form and SECTION J.– DEFINITIONS in the Deluxe Property Coverage Form.
A.COVERAGE b.The coverage provided for Business In-
come is based on the e ntry shown in theWe will pay for:Declarations for "Rental Value".When:
•The actual loss of Business Income you sus-(1)Included is shown, the term Businesstain due to the necessary "suspension" of Income includes "Rental Value";your "operations" during the "period of resto-(2)Excluded is shown, the term Busi-ration"; and ness Income excludes "Rental•The actual Extra Expense you incur during Value";the "period of restoration";(3)Only is shown, the term Business In-caused by direct physical loss of or damage to come means "Rental Value" only.property at premises which are described in the If Limits of Insurance are shown underDeclarations and for which a Bu siness Income more than one of the above options, theand Extra Expense Limit of Insurance is shown in provisions of this Coverage Part applythe Declarations. The loss or damage must be separately to each.caused by or re sult from a Covered Cause of
2.Extra ExpenseLoss. With respect to loss of or damage to per-
sonal property in the ope n or personal property in Extra Expense means reason able and nec-a vehicle, the described premises include the essary expense s de scribed in a.,b.and c.area within 1,000 feet of the site at which the de-below that you incur during the "period of res-scribed premises are located.toration" and that you would not have incurred
if there had been no direct physical loss of orWith respect to the requirements set forth in the
damage to property caused by or resultingpreceding paragraph, if you occupy only part of
from a Covered Cause of Loss:the site at which the de scribed premises are lo-
cated, your premises means:a.Expenses to avoid or minimize the "sus-
pension" of busines s and to continue "op-•The portion of the building which you rent,erations" at:lease or occupy; and
(1)The described premises; or•Any area within the building or on the site at (2)Replacement premises or temporarywhich the de scribed premises are located, if
locations, including:that area services, or is used to gain acce ss
to, the described premises.(a)Relocation expense s; and
1.Business Income (b)Costs to eq uip and operate the
replacement premises or tempo-a.Busines s Income means the sum of the:
rary locations;(1)Net Income (Net Profit or Loss before
b.Expenses to minimize the "suspension" ofincome taxes) that would have been
busine ss if you cannot continue "opera-earned or incurred; plus
tions"; or(2)Continuing normal operating ex-c.Expenses to repair or replace property,penses incurred, including payroll.
but only to the extent the amount of lossFor manufacturing risks, Net Income in-that otherwise would have been payablecludes the net sales value of production.under this Coverage Form is reduced.
DX T1 01 11 12 Page 1 of 13© 2011 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
3.Covered Causes of Loss erations" during the "period of
restoration"; andCovered Causes of Loss means RISKS OF
(b)The actual Extra Expense you in-DIRECT PHYSICAL LOSS unless the loss is
cur during the "period of restora-
tion";a.Section C.Exclusions or Section D.Limi-
tations of the Deluxe Property Coverage caused by direct physical loss of or
Form; or damage to property at the premises
of a "dependent property" locatedb.Section B.Exclusions and Limitation of anywhere in the world provided thatthis Coverage Form; or no sanction, embargo or similar regu-c.In the Declarations or by endorsement.lation imposed by the United States
of America prohibits us from covering4.Additional Coverages
such loss. The loss or damage to theEach of the following Additional Coverages property must be caused by or resultapplies subject to the Limit(s) of Insurance from a Covered Cause of Loss.stated in this Coverage Form, unless a re-
(2)This Additional Coverage does notvised Limit of Insurance or Not Covered is in-
apply to "dependent property" fordicated in the Declarations or the coverage is
which you have more specific insur-otherwise amended by endorsement:
ance under this or any other policy.a.Alterations and New Buildings
(3)The most we will pay in any on e oc-We will pay for the actual loss of Busi-currence under this Additional Cover-ness Income you sustain and the actual age for loss of Business Income andExtra Expense you incur due to direct Extra Expense arising out of damagephysical loss or damage at the described to property at the premises of a "de-premises cau sed by or re sulting from a pendent property" located:Covered Cause of Loss to:
(a)Within the Coverage Territory is(1)New b uildings or structures, whether $100,000; andcomplete or under construction;
(b)Anywhere in the world outside of(2)Alterations or additions to existing the Coverage Territory isbuildings or structures; and $100,000.(3)Machinery, equipment, supplies or (4)With respect only to the insurancebuilding materials located on or within provided under this Additional Cover-1,000 feet of the described premises age, the phrase,at the describedand:premises, as u sed in the definition of(a)Used in the con struction, altera-"period of restoration" is deleted andtions or additions; or replaced by the phrase at the prem-
ises of a "dependent property".(b)Incidental to the occupancy of
new buildings.c.Civil Authority
If such direct physical loss or damage de-(1)When a Covered Cause of Losslays the start of "operations", the "period causes damage to property otherof restoration" for Busines s Income cov-than property at the described prem-erage will begin on the date "operations"ises, we will pay for the actual loss ofwould have begun if the direct physical Business Income you sustain and theloss or d amage had not occurred. This actual Extra Expense you incurchange in the start of the "period of resto-caused by action of civil authority thatration" does not apply to Extra Expense.prohibits access to the described
premises, provided that both of theb.Business Income From Dependent
following apply:Property
(a)Access to the area immediately(1)We will pay for:
surrounding the damaged prop-(a)The actual loss of Business In-erty is prohibited by civil authoritycome you sustain due to the nec-as a result of the damage, andessary"suspension" of your "op-
Page 2 of 13 DX T1 01 11 12
excluded or limited in:
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Includes copyrighted material of Insurance Services Office, Inc. with its permission.
(3)The most we will pay for all Contractthe described premises are within
that area but are not more than Penalties incurred in any one occur-
100 miles from the damaged rence under this Additional Coverage,
property; and regardles s of the number of contracts
in olved is $25,000.v(b)The action of civil authority is
e.Extended Business Incometaken in respon se to dangerou s
physical conditions resulting from (1)Business Income Other Thanthe damage or continuation of the "Rental Value"Covered Cause of Loss that If the necessary "suspension" of yourcaused the damage, or the action "operations" produces a Busine ss In-is taken to enable a civil authority come loss payable under this Cover-to have unimpeded access to the age Part, we will pay for the actualdamaged property.loss of Business Income you incur(2)Civil Authority Coverage for Business during the period that:Income will begin 72 hour s after the (a)Begins on the date prop erty (ex-time of the first action of civil authority cept "finished stock") is actuallythat prohibits access to the described repaired, rebuilt or replaced andpremises and will apply for a period "operations" are resumed; andof up to thirty consecutive days from
the date on which such coverage be-(b)Ends on the earlier of:
gan.(i)The date you could restore
(3)Civil Authority Coverage for Extra your "operations", with rea-
Expense will begin immediately after sonable speed, to the level
the time of the first action of civil au-which would generate the
thority that prohibits access to the Business Income amount that
described premises and will end:would have existed if no di-
rect physical loss or damage(a)Thirty consecutive days after the had occurred; ordate of that action; or
(ii)180 con secutive days after(b)When your Civil Authority Cover-the date determined in (1)(a)age for Business Income ends;above, unless other wisewhichever is later.stated in the Declarations or
d.Contract Penalties by endorsement.
(1)We will pay for Contract Penalties However, Extended Busines s Income
you incur due to the necessary "sus-does not apply to loss of Business In-
pension" of your "operations" during come incurred as a result of unfavor-
the "period of restoration". The "sus-able busine ss conditions cau sed by
pension" of your "operations" must be the impact of the Covered Cause of
caused by direct physical loss or Loss in the area where the described
damage by a Covered Cause of Loss premises are located.
to property at the described prem-Loss of Business Income must beises, including "finished stock" and caused by direct physical loss of orpersonal property in the open (or in a damage to property at the describedvehicle) within 1,000 feet of the de-premises cau sed by or resulting fromscribed premises.a Covered Cause of Loss.
(2)As u sed in this Additional Coverage,(2)"Rental Value"Contract Penalties means amounts If the necessary "suspension" of yourwhich, under the terms of a written "operations" produce s a "Rentalcontract that is in effect at the time of Value" loss payable under this Cov-the direct physical loss or damage,erage Part, we will pay for the actualyou are required to pay to your cus-loss of "Rental Value" you incur dur-tomers for failure to deliver your ing the period that:products or services on time.
DX T1 01 11 12 Page 3 of 13© 2011 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
(a)Begins on the date property is ac-of such loss and expense sustained
tually repaired, rebuilt or replaced during a period of not more than 30
and tenantability is restored; and days unle ss another number of days
is shown in the Declarations. The(b)Ends on the earlier of:days need not be consecutive.(i)The date you could restore (3)If a covered "suspension" of "opera-tenant occupancy, with rea-tions" is caused by a cause of loss atsonable speed, to the level the described premises other thanwhich would generate the "ungus", wet rot or dry rot, but reme-f"Rental Value" that would diation of resulting loss by "fungus",have existed if no direct wet rot or dry rot prolong s the "periodphysical loss or damage had of restoration", we will pay for the ac-occurred; or tual loss of Business Income and the(ii)180 con secutive days after actual Extra Expense sustained dur-the date determined in (2)(a)ing the delay (regardless of whenabove, unless other wise such a delay occur s during the "pe-stated in the Declarations or riod of restoration"), but such cover-by endorsement.age is limited to a period of not more
than 30 day s unles s a nother numberHowever, Extended Business Income
of days is shown in the Declarations.does not apply to loss of "Rental
The days need not be consecutive.Value" incurred as a result of unfa-
vorable busine ss conditions caused (4)The Fungus, Wet Rot or Dry Rot ex-by the impact of the Covered Cause clusion in Section C.1.c.of the De-of Loss in the area where the de-luxe Property Coverage Form doesscribed premises are located.not apply to the insurance specifically
provided under this Additional Cover-Loss of "Rental Value" must be
age.caused by direct physical loss or
damage at the described premises g.Green Building Alternatives – In-caused by or re sulting from a Cov-creased Period of Restorationered Cause of Loss.If direct physical loss or damage by af.Fungus, Wet Rot or Dry Rot –Covered Cause of Loss occurs to a build-Amended Period of Restoration ing at a described premises, we will pay
for the actual loss of Busines s Income(1)The coverage described in f.(2)and
you sustain and the actual Extra Expensef.(3)below only applies when "fun-
you incur during the rea sonable and nec-gus", wet rot or dry rot is the result of
essary increase in the "period of restora-any of the "specified causes of loss",
tion" that is incurred to:other than fire or lightning, that oc-
curs at the de scribed premises during (1)Repair or replace the lost or dam-the policy period, and only if all rea-aged portions of the building usingsonable means have been used to products or materials that:save and preserve the property from (a)Are "green" alternatives to thefurther damage at the time of and af-products or materials of the lostter that occurrence.or damaged property, in accor-(2)If the cause of loss at the described dance with the documented stan-premises which results in "fungus",dards of a "Green Authority"; andwet rot or dry rot doe s not, in itself,(b)Are otherwise of comparablenecessitate a "suspension" of "opera-quality and function to the dam-tions", but such "suspension" of "op-aged property;erations" is necessary due to loss or
damage to property at the described and
premises caused by "fungus", wet rot (2)Employ "green" methods or proc-or dry rot, then our payment for loss esses of construction, disposal or re-of Business Income and Extra Ex-cycling in the course of repair and re-pense is limited to the actual amount placement of the lost or damaged
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Includes copyrighted material of Insurance Services Office, Inc. with its permission.
building, in accordance with the ants","fungus", wet rot or dry
documented standards of a "Green rot;
Authority";or
subject to a maximum of 30 additional (b)The enforcement of any ordi-days, unles s another number of days is nance or law which:shown in the Declarations, from the date (i)You were required to complythe"period of restoration" would other-with before the loss, even ifwise have ended.the building was undamaged;h.Ordinance or Law – Increased Period andof Restoration (ii)You failed to comply with.(1)If direct physical loss or damage by a (3)The Ordinance or Law exclusion inCovered Cause of Loss occur s to Section C.1.h.of the Deluxe Propertyproperty at the described premises,Coverage Form does not apply to thewe will pay for the actual loss of insurance specifically provided underBusiness Income you sustain and the this Additional Coverage.actual Extra Expense you incur dur-
ing the reasonable and necessary in-(4)The most we will pay for loss and ex-
crease in the "period of restoration"pense in any one occurrence under
caused by or resulting from the en-this Additional Coverage is $250,000.
forcement of any ordinance or law 5.Coverage Extensionswhich:Each of the following Coverage Extensions(a)Regulates the construction or re-applies subject to the Limit of Insurancepair of any property;stated in this Coverage Form, unless a differ-
(b)Requires the tearing do wn of ent Limit of Insurance or Not Covered is indi-
parts of property not damaged by cated in the Declarations, or the coverage is
a Covered Cause of Loss; and otherwise amended by endorsement:
(c)Is in force at the time of loss.a.Claim Data Expense
However, this Additional Coverage (1)You may extend the insurance pro-
applies only to the increased period vided by this Coverage Form to apply
required to repair or reconstruct the to the reasonable expense s you incur
property to comply with the minimum in the preparation of claim data when
standard s of such ordinance or law.we require it to adjust a covered loss.
This includes the cost of preparing(2)This Additional Coverage does not income statements and other docu-apply to any loss caused by or result-mentation to show the extent of loss.ing from:
(2)We will not pay for:(a)The enforcement of any ordi-
nance or law which requires:(a)Any expenses incurred, directed
or billed by or payable to attor-(i)The demolition, repair, re-neys, insurance adjuster s or theirplacement, reconstruction,associates or sub sidiaries;remodeling or remediation of
(b)Any costs as provided in the Ap-property due to contamina-
tion by "pollutants" or due to praisal Loss Condition; or
the presence, gro wth, prolif-(c)Any expenses incurred, directederation, spread or any activity or billed by or payable to insur-of "fungus", wet rot or dry rot;ance brokers or agents, or theirorassociates or subsidiaries, with-
(ii)Requires any insured or oth-out our written consent prior to
ers to test for, monitor, clean such expense s being incurred.
up, remove, contain, treat,(3)The most we will pay in any on e oc-detoxify or neutralize, or in currence under this Extension isany way respond to, or a s-$25,000.sess the effects of "pollut-
DX T1 01 11 12 Page 5 of 13© 2011 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
b.Ingress or Egress tion) at any location you newly ac-
quire by purchase, lease or other-(1)You may extend the insurance pro-wise, other than at "exhibitions".vided by this Coverage Form for:
(2)The most we will pay under this Ex-(a)The actual loss of Business In-tension for the sum of Business In-come you sustain due to the nec-come loss and Extra Expense in-essary "suspension" of your "op-curred in any one occurrence iserations" during the "period of $500,000 at each ne wly acquired lo-restoration"; and cation.(b)The actual Extra Expense you in-(3)With respect only to the insurancecur during the "period of restora-provided under this Extension, thetion";phrase,at the described premises, a sto apply to the actual amount of such used in the definition of "period ofloss of Business Income and Extra restoration" is deleted and replacedExpense that you incur when ingres s by the phrase at a newly acquired lo-to or egres s from the described prem-cation.ises is prevented (other than as pro-(4)Insurance under this Extension forvided in the Civil Authority Additional each ne wly acquired location will endCoverage).when any of the following first occurs:(2)The prevention of ingress to or (a)This policy expires;egres s from the described premises
(b)180 day s expire after you acquiremust be caused by direct physical
loss or damage by a Covered Cause or begin to construct the property;
of Loss to property that is away from,(c)You report the location to us; orbut within 1 mile of the described (d)Coverage for Business Incomepremises, unles s a different number and Extra Expense at the locationof miles is shown in the Declarations.is more specifically insured.This coverage will apply for up to 30
consecutive days from the date when We will charge you additional pre-
the ingress or egre ss is first pre-mium for values reported from the
vented.date you acquire the property.
(3)The most we will pay under this Ex-d.Pollutant Cleanup and Removal
tension for the sum of Business In-(1)You may extend the insurance pro-come loss and Extra Expense in-vided by this Coverage Form for:curred in any one occurrence is (a)The actual loss of Business In-$25,000.come you sustain due to the nec-c.Newly Acquired Locations essary "suspension" of your "op-
(1)You may extend the insurance pro-erations" during the "period of
vided by this Coverage Form for:restoration"; and
(a)The actual loss of Business In-(b)The actual Extra Expense you in-
come you sustain due to the nec-cur during the "period of restora-
essary "suspension" of your "op-tion";
erations" during the "period of to apply to the actual amount of suchrestoration"; and loss of Business Income and Extra
(b)The actual Extra Expense you in-Expense that you incur during the in-
cur during the "period of restora-creased period of time necessarily
tion";required to extract "pollutants" from
land or water at the described prem-to apply to the actual amount of such ises.loss of Business Income and Extra
Expense that you incur caused by di-(2)The insurance provided under this
rect physical loss or damage by a Extension applies only if the dis-
Covered Cause of Loss to prop erty charge, dispersal, seepag e, migra-
(including property under construc-tion, release or e scape of the "pollut-
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Includes copyrighted material of Insurance Services Office, Inc. with its permission.
(d)Property of others for which youants" into the land or water is cau sed
by or results from direct physical loss are responsible while acting as a
or damage by any of the "specified common or contract carrier, car-
causes of loss" w hich occurs:loader, freight forwarder, freight
consolidator, freight broker, ship-(a)To property at the described ping association or similar ar-premises that is Covered Prop-ranger of transportation, or as aerty under the Deluxe Property public warehou seman;Coverage Form of this policy; and
(e)Property within a conveyance or(b)During the Policy Period.container caused by theft while(3)The most we will pay under this Ex-the conveyance or container istension for the sum of Business In-unattended unles s the portion ofcome loss and Extra Expense in-the conveyance or container con-curred arising out of all "specified taining the property is fully en-causes of loss" that occur during closed and securely locked, andeach separate 12 month period of the theft is by forcible entry ofthis policy (beginning with the effec-which there is visible evidence; ortive date of this policy), is $25,000.(f)The transporting conveyance.e.Transit Business Income (3)With respect only to the insurance(1)You may extend the insurance pro-provided under this Extension, thevided by this Coverage Form for:phrase,at the described premises,a s
used in the definition of "period of(a)The actual loss of Business In-
restoration" is deleted and replacedcome you sustain due to the nec-
by the phra se in the due course ofessary"suspension" of your "op-
transit.erations" during the "period of
restoration"; and (4)The most we will pay under this Ex-
tension for the sum of Business In-(b)The actual Extra Expense you in-
come loss and Extra Expense in-cur during the "period of restora-
curred in any one occurrence istion";
$25,000.to apply to the actual amount of such
f.Undescribed Premisesloss of Business Income and Extra
Expense that you incur caused by di-(1)You may extend the insurance pro-rect physical loss or damage by a vided by this Coverage Form for:Covered Cause of Loss to prop erty (a)The actual loss of Business In-while in the due course of transit at come you sustain due to the nec-your risk within the Coverage Terri-essary "suspension" of your "op-tory.erations" during the "period of(2)This Extension doe s not apply to los s restoration"; andcaused by or resulting from loss of or (b)The actual Extra Expense you in-damage to:cur during the "period of restora-(a)Shipments by a government tion";postal service, except by regis-to apply to the actual amount of suchtered mail;loss of Business Income and Extra(b)Export and import shipments Expense that you incur caused by di-while covered under an ocean rect physical loss or damage by amarine cargo or other insurance Covered Cause of Loss to property atpolicy;Undescribed Premises, as defined in
(2)below.(c)Property while waterborne except
while in transit by inland water (2)Undescribed Premises, as used incarriers or by coastwise vessels this Extension, means premises:operating within "territorial wa-(a)Owned, leased or operated byters";you; or
DX T1 01 11 12 Page 7 of 13© 2011 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
(b)Not owned, leased or operated (2)Outdoor trees, shrubs, plants, lawns
by you, where your business per-(including fairways, green s and tees),
sonal property or bu siness per-artificial turf and associated under-
sonal prop erty of others in your layment, growing crops, land or wa-
care custody or control is located;ter;
(3)Communication, radio or televisionthat are within the Coverage Territory
and not described in the Declarations antennas (including satellite dishes),
nor reported to or accepted by u s for and their lead-in wiring, masts or
coverage under this Coverage Form.tower s;
(3)This Extension doe s not apply to los s (4)Animals, unless the los s is caused by
caused by or re sulting from loss or or results from a "specified cause of
damage to property:loss", and then only if, as a direct re-
sult of the "specified cause of loss",(a)At the premises of a "dependent the animals are killed or their death orproperty";destruction is made necessary; or(b)At any location to which the (5)Human body parts and fluids, includ-Newly Acquired Locations Cov-ing organs, tissues, blood and cells.erage Extension applies; or
c.Any increase of loss cau sed by or re sult-(c)In the due course of transit.ing from:(4)The most we will pay under this Ex-(1)Delay in rebuilding, repairing or re-tension for the sum of Business In-placing the property or resuming "op-come loss and Extra Expense in-erations", due to interference at thecurred in any one occurrence is location of the rebuilding, repair or$25,000.replacement by strikers or other per-(5)With respect only to the insurance sons; orprovided under this Extension, the (2)Suspen sion, lapse or cancellation ofphraseat the described premises, as any license, lease or contract. But ifusedin the definition of "period of the suspen sion, lapse or cancellationrestoration", is replaced by the is directly caused by the "suspension"phrase at Undescribed Premises.of "operations", we will cover suchB.EXCLUSIONS AND LIMITATION loss that affects your Business In-
come during the "period of restora-The following exclusions and limitation apply in
tion" and any extension of the "periodaddition to the exclusions and limitations con-
of restoration" in accordance with thetained in the Deluxe Property Coverage Form.
terms of the Extended Busines s In-1.Exclusions come Additional Coverage or anyWe will not pay for:variation thereof.
a.Any loss caused by or resulting from:d.Any Extra Expense caused by or resulting
from suspension, lapse or cancellation of(1)Damage or destruction of "finished
any license, lease or contract beyond thestock"; or
"period of restoration".(2)The time required to reproduce "fin-
e.Any other consequential loss includingished stock".
fines and penalties, except as specificallyThis exclusion does not apply to Extra provided under the Contract PenaltiesExpense or to the insurance provided un-Additional Coverage.der the Contract Penalty Additional Cov-
2.Limitation – Electronic Media and Recordserage.
a.We will not pay for any loss of Businessb.Any loss caused by or re sulting from di-
Income caused by direct physical loss ofrect physical loss of or damage to the fol-
or damage to electronic media and re-lowing property:
cords after the longer of:(1)Harvested grain, hay, straw or other
(1)60 consecutive days from the date ofcrops while outside of buildings;
direct physical loss or damage; or
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Includes copyrighted material of Insurance Services Office, Inc. with its permission.
(2)The period, beginning with the date of a.Alterations and New Buildings;
direct physical loss or damage, nec-b.Civil Authority;essary to repair, rebuild or replace,c.Extended Busines s Income;with reasona ble speed a nd similar
quality, other property at the de-d.Fungus, Wet Rot or Dry Rot – Amended
scribed premises (or other location of Period of Restoration;
the loss to which this insurance ap-e.Green Building Alternatives – Increasedplies) which suffered loss or damage Period of Restoration;in the same occurrence.andThis Limitation does not apply to Extra 2.The Ingress or Egres s Coverage Extension;Expense.
are included in and do not increase the a pplicableb.Electronic Media and Records are:Limits of Insurance.(1)Electronic data processing, recording The remaining Additional Coverages in Sectionor storage media such as hard or A.4.and the remaining Coverage Extensions infloppy disks, CDs, DVDs, flash mem-Section A.5.are additional insurance.ory, tapes, drives, cells, data proc-
essing devices or any other repo sito-D.DEDUCTIBLE
ries of computer software which are 1.An hour deductible applies to your Businessused with electronically controlled Income coverage. We will not pay for loss ofequipment;Business Income in any one occurrence that
(2)Data stored on such media; or is incurred during the period of time that:
(3)Programming records used for elec-a.Begins at the time of direct physical loss
tronic data processing or electroni-or damage that triggers the Business In-
cally controlled equipment.come coverage; and
EXAMPLE NO. 1 b.Continues for the consecutive number of
hours shown in the Declarations as theA Covered Cause of Loss damages a com-applicable Busines s Income hour de-puter on June 1. It takes until September 1 to ductible.replace the computer, and until October 1 to
restore the computer data that was lo st when 2.The Business Income hour deductible de-
the damage occurred. We will only pay for the scribed in 1.above does not:
Busines s Income loss sustained during the a.Apply to or alter the coverage period thatperiod June 1 - September 1. Loss during the applies to the Bu siness Income coverageperiod September 2 - October 1 is not cov-provided under the Civil Authority Addi-ered.tional Coverage; orEXAMPLE NO. 2 b.Apply to the Contract Penalties Additional
A Covered Cause of Loss re sults in the loss Coverage.
of data processing programming records on 3.If a separ ate dollar deductible applies to otherAugust 1. The records are replaced on Octo-loss or damage in that same occurrence un-ber 15. We will only pay for the Business In-der this Coverage Part, such dollar deductiblecome loss sustained during the period August will apply to that other loss or damage and1- September 29 (60 consecutive days).only the hourly deductible will apply to yourLoss during the period September 30 - Octo-loss of Business Income.ber 15 is not covered.4.No deductible applies to Extra Expense.C.LIMITS OF INSURANCE E.LOSS CONDITIONSThe most we will pay for loss or damage in any The following conditions apply in addition to theone occurrence is the applicable Limit of Insur-Common Policy Conditions – Deluxe, the Lossance sho wn in the Declarations, Schedules, Cov-Condition – Duties in the Event of Loss in the De-erage Form(s), or Endorsement(s).luxe Property Coverage Form and the AdditionalPayments under:Conditions in the Deluxe Property Coverage1.The following Additional Coverages:Form:
DX T1 01 11 12 Page 9 of 13© 2011 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
1.Appraisal fore the direct physical loss or dam-
age; andIf we and you disagree on the amount of Net
(4)Other relevant sources of information,Income and operating expense or the amount
of loss, either may make written demand for including:
an appraisal of the loss. In this event, each (a)Your financial records and ac-party will select a competent and impartial counting procedures;appraiser.(b)Bills, invoices and other vouch-The two appraiser s will select an umpire. If ers; andthey cannot agree, either may request that (c)Deeds, liens or contracts.selection be made by a judge of a court hav-
ing jurisdiction. The appraisers will state b.The amount of Extra Expense will be de-
separately the amount of Net Income and op-termined based on:
erating expense or amount of loss. If they fail (1)All reasonable an d nece ssary ex-to agree, they will submit their differences to penses that exceed the normal oper-the umpire. A decision agreed to by any t wo ating expenses that would have beenwill be binding. Each party will:incurred by "operations" during the
a.Pay its chosen appraiser; and "period or restoration" if no direct
physical loss or damage had oc-b.Bear the other expen ses of the apprais al curred. We will deduct from the totaland umpire equally.of such expenses:If there is an apprais al, we will still retain our (a)The salvage value that remainsright to deny the claim.of any property bought for tempo-2.Duties in the Event of Loss – Additional rary use during the "period of res-Duty toration", once "operations" are
The following duty applies in addition to the resumed; and
duties specified in the Loss Condition – Du-(b)Any Extra Expense that is paidties in the Event of Loss in the Deluxe Prop-for by other insurance, except forerty Coverage Form:insurance that is written subject
If you intend to continue your busine ss, you to the same plan, terms, condi-
must resume all or part of your "operations"tions and provisions as this in-
as quickly as pos sible.surance; and
3.Loss Determination (2)All reasonable an d nece ssary ex-
penses that reduce the Extra Ex-a.The amount of Business Income loss will pense loss that other wise would havebe determined based on:been incurred.(1)The Net Income of the busines s be-c.Resumption of Operationsfore the direct physical loss or dam-
age occurred;We will reduce the amount of your:
(2)The likely Net Income of the business (1)Business Income loss, other than Ex-
if no physical loss or damage oc-tra Expense, to the extent you can
curred, but not including any Net In-resume your "operations" in whole or
come that would likely have been in part, by using damaged or undam-
earned as a result of an increase in aged property (including merchandise
the volume of business a s a result of or "stock") at the described premises
favorable busines s conditions caused or elsewher e and, with respect to the
by the impact of the Covered Cause Business Income From Dependent
of Loss on customers or on other Property Additional Coverage, by us-
busine sses;ing any other available source of ma-
terials or outlet for your products.(3)The operating expense s, including
(2)Extra Expense loss to the extent youpayroll expense s necessary to re-
sume "operations" with the same can return "operations" to normal and
quality of service that existed just be-discontinue such Extra Expense.
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Includes copyrighted material of Insurance Services Office, Inc. with its permission.
d.If you do not re sume "operations", or do Days 1 – 30 $40,000
not resume "operations" as quickly as Days 31 – 60 $20,000possible, we will pay based on the length Days 61 – 90 $30,000of time it would have taken to resume
"operations" as quickly as pos sible.$90,000
4.Loss Payment We will pay:
We will pay for covered loss within 30 days Days 1 – 30 $30,000
after we receive the sworn proof of loss, if:Days 31 – 60 $20,000
a.You have complied with all of the terms of Days 61 – 90 $30,000this Coverage Part; and $80,000b.(1)We have reached agreement with The remaining $10,000 is not cov-you on the amount of loss; or ered.(2)An appraisal award has bee n made.3.Ordinary Payroll Exclusion or LimitationF.OPTIONAL COVERAGES a.When the Declarations sho ws:If sho wn as applicable in the Declarations, the fol-(1)Ordinary Payroll is excluded, thelowing Optional Coverages apply separately to Business Income coverage providedeach item.for continuing normal operating ex-1.Maximum Period of Indemnity penses incurred doe s not include Or-
The most we will pay for the total loss of dinary Payroll;
Busines s Income, including the Extended (2)Ordinary payroll is limited to a speci-Busines s Income Additional Coverage, and fied number of days, the Bu siness In-Extra Expense is the lesser of:come coverage provided for continu-
a.The amount of loss sustained and ex-ing normal operating expenses in-
penses incurred during the 120 days im-curred only includes Ordinary Payroll
mediately following the beginning of the for the specified number of days. The
"period of restoration"; or number of days may be used in t wo
separate periods d uring the "period ofb.The Limit of Insurance shown in the Dec-restoration".larations.
b.Ordinary payroll expenses mean payroll2.Monthly Limit of Indemnity expenses for all your employees except:The most we will pay for loss of Business In-(1)Officers;come, including the Extended Business In-
come Additional Coverage, in each period of (2)Executives;
30 consecutive days after the beginning of (3)Department managers;the "period of restoration" is:(4)Employees under contract; anda.The Limit of Insurance, multiplied by (5)Additional Exemptions, shown by en-b.The fraction sho wn in the D eclarations for dorsement as:this Optional Coverage.(a)Job Classifications; orEXAMPLE:(b)Employees.When: The Limit of Insurance is:$120,000 c.Ordinary payroll expenses include:The fraction shown in the Declara-(1)Payroll;tions for this Optional Coverage is:
1/4 (2)Employee benefits, if directly related
to payroll;The most we will pay for loss in each
period of 30 consecutive days is:(3)FICA payments you pay;
$120,000 x 1/4 = $30,000 (4)Union dues you pay; and
If in this example, the actual amount (5)Worker's compensation premiums.
of loss is:
DX T1 01 11 12 Page 11 of 13© 2011 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
G.DEFINITIONS (b)For Extra Expense coverage be-
gins immediately after the time of1."Dependent Property " means property oper-direct physical loss or damage;ated by others you directly depend on to:
caused by or resulting from a Cov-a.Deliver materials or services to you, or to
ered Cause of Loss at the describedothers for your account (Contributing Lo-
premises;andcations). But any property which delivers
the following services is not a Contribut-(2)Ends on the earlier of:ing Location with respect to such ser-(a)The date when the prop erty atvices:the described premises should be(1)Water supply services;repaired, rebuilt or replaced with
(2)Power supply services; or reason able speed and similar
quality; or(3)Communication services, including
(b)The date when bu sine ss is re-services relating to internet access or
access to any electronic, cellular or sumed at a new permanent loca-
satellite network.tion.
b.Accept your products or services (Recipi-b."Period of restoration" does not include
ent Locations);any increased period required due to the
enforcement of any ordinance or law that:c.Manufacture products for delivery to your
(1)Regulates the construction, use orcustomers under contract of sale (Manu-
facturing Locations); or repair, or requires the tearing do wn,
of any property, except as provided ind.Attract customers to your bu siness the Ordinance or La w-Increase d Pe-(Leader Locations).riod of Restoration Additional Cover-2."Finished Stock" means "stock" you have age; ormanufactured.(2)Requires any in sured or others to test"Finished Stock" also includes whiskey a nd for, monitor, clean up, remove, con-alcoholic products being aged.tain, treat, detoxify or neutralize, or in
any way respond to, or assess the ef-"Finished Stock" does not include "stock" you
fects of "fungus", wet rot or dry rot,have manufactured that is held for sale on the
except as provided in the Fungus,premises of any retail outlet insured under
Wet Rot or Dry Rot - Amended Pe-this Coverage Part.
riod of Restoration Additional Cover-3."Operations" means:age; ora.Your busines s activities occurring at the (3)Requires any in sured or others to testdescribed premises even if such activities for, monitor, clean up, remove, con-would not have produced income during tain, treat, detoxify or neutralize, or inthe"period of restoration", such as re-any way respond to, or assess the ef-search and development activities; and fects of "pollutants" except as pro-b.The tenantability of the described prem-vided in the Pollutant Clean Up andises, if coverage for Business Income in-Removal Coverage Extension.cluding "Rental Value" or "Rental Value"c."Period of restoration" does not includeonly applies.any increased p eriod required to attain a4."Period of Restoration"pre-loss level of "green" building certifica-
tion from a "Green Authority". But thisa."Period of Restoration" means the period
does not apply to any increase in the "pe-of time that:
riod of restoration" otherwise insured un-(1) (a)For Business Income coverage,der the Green Buildings Alternatives – In-begins once the number of hours creased Period of Restoration Additionalof the applicable Business In-Coverage.come hour deductible, if any, ex-
pires following the time of direct The expiration date of this policy will not cutphysical loss or damage; and short the "period of restoration".
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Includes copyrighted material of Insurance Services Office, Inc. with its permission.
5."Rental Value" means Busine ss Income that (1)Payroll; and
consists of:(2)The amount of charges which are the
a.Net Income (Net Profit or Loss before in-legal obligation of the tenant(s) but
come taxes) that would have been would otherwi se be your obligations.
earned or incurred as rental income from 6."Suspension " means:tenant occupancy of the premises de-a.The partial or complete cessation of yourscribed in the Declarations as furnished busine ss activities; orand equipped by you, including fair rental
value of any portion of such described b.That a part or all of the described prem-
premises which is occupied by you; and ises is rendered untenantable, if coverage
for Busines s Income including "Rentalb.Continuing normal operating expense s Value" or "Rental Value" only applies.incurred in connection with such prem-
ises, including:
DX T1 01 11 12 Page 13 of 13© 2011 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
POLICY NUMBER:ISSUE DATE:
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
DELUXE PROPERTY COVERAGE PART AMENDATORY ENDORSEMENT
CAUSES OF LOSS – EQUIPMENT BREAKDOWN
This endorsement modifies insurance provided under the Deluxe Property Coverage Part.
A.ADDITIONAL COVERED CAUSE OF LOSS –direct result of the same cause will also
EQUIPMENT BREAKDOWN be considered one Equipment Break-
down.Covered Cause s of Los s an d "specified cause s of
2.Covered Equipmentloss" are extended to include Equipment Break-
down, meaning a Breakdown to Covered Equip-a.Covered Equipment means equipment ofment as defined and lim ted in this endorsement.i a type listed in provision 2.b.below that
1.Breakdown is:
a.Breakdown means:(1)At any of the following locations:
(1)Failure of pressure or vacuum (a)At or within 1,000 feet of the de-
equipment;scribed premises; or
(2)Mechanical failure, including rupture (b)At any of the following locations,
or bursting caused by centrifugal but only to the extent that cover-
force; or age for direct physical loss or
damage to Covered Property at(3)Electrical failure, including arcing;such locations or for Busines s In-that causes physical damage to Covered come and/or Extra Expense re-Equipment and necessitates its repair or sulting from direct physical lossreplacement.or damage to property at such lo-
b.Breakdown do es not mean or include:cations is other wise specifically
insured an d limited under this(1)Malfunction including but not limited Coverage Part:to adjustment, alignment, calibration,
cleaning or modification;(i)Newly acquired or con-
structed property locations, or(2)Leakage at a ny valve, fitting, shaft within 1,000 feet of such lo-seal, gland packing, joint or connec-cations;tion;
(ii)Undescribed premises; or(3)Damage to any vacuum tube, gas
tube, or brush;(iii)"Dependent property" loca-
tions;(4)Damage to any structure or founda-
andtion supporting the Covered Equip-
ment or any of its parts;(2)(a)Owned or lease d by you or oper-
(5)The functioning of any safety or pro-ated under your control; or
tective device; or (b)Owned or leas ed by, or operated
(6)The cracking of any part on an inter-under the control of others who
nal combustion gas turbine exposed own, lease or operate the unde-
to the products of combustion.scribed premises or "dep endent
property" locations where the in-c.If an initial Equipment Breakdown causes surance provided under this Cov-other Equipment Breakdown s, all will be erage Part applies;considered one Equipment Breakdown.
andAll Equipment Breakdown s that manifest
themselves at the same time and are the
DX T3 19 11 12 Page 1 of 6© 2011 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
(3)Not otherwise excluded under provi-(10)Felt, wire, screen, mold, form, pat-
sion 2.c.below.tern, die, extrusion plate, swing
hammer, grinding disc,cutting blade,b.Covered Equipment includes the follow-non-electrical cable, chain, belt, rope,ing types of equipment:clutch plate, brake pad, non-metal(1)Equipment designed and built to op-part or any part or tool subject to pe-erate under internal pressure or vac-riodic replacement;uum other than weight of contents;(11)Astronomical telescope, cyclotron,(2)Electrical or mechanical equipment nuclear reactor, particle accelerator,that is used in the generation, trans-satellites and/or spacecraft (includingmission or utilization of energy;and satellite or spacecraft contents and/or
their launch sites);(3)Fiber optic cable.
(12)Computer equipment or electronicc.Covered Equipment does not mean or in-
data processing equipment unlessclude any:
used to control or operate production-(1)Electronic data processing, recording type machinery or other equipmentor storage media such as films,that is Covered Equipment;tapes, discs, drums or cells;
(13)Equipment or any part of such(2)Part of pressure or vacuum equip-equipment manufactured by you forment that is not und er internal pres-sale; orsure of its contents or internal vac-
(14)Equipment while in the due course ofuum;
transit.(3)Insulating or refractory material;
B.EQUIPMENT BREAKDOWN COVERAGE EX-(4)Non-metallic pressure or vacuum TENSIONSequipment, unless it is constructed
1.Spoilageand used in accordance with the
American Society of Mechanical En-a.Under the Deluxe Property Coveragegineers (A.S.M.E.) code or a Code Form, the insurance that applies to Yourthat has been accepted by the Na-Business Per sonal Property and Per sonaltional Board of Boiler and Pressure Property of Others is extended to apply toVessel Inspectors;direct physical loss or damage to such
Covered Property that is:(5)Catalyst;
(1)Maintained under controlled condi-(6)Pressure vessels and piping that are
tions for its preservation; andburied below ground and require the
excavation of materials to inspect,(2)Susceptible to loss or damage if theremove, repair or replace;controlled conditions change;
(7)Structure, foundation, cabinet or due to spoilage resulting from lack or ex-compartment supporting or contain-cess of power, light, heat, steam or re-ing the Covered Equipment or part of frigeration that is caused solely by athe Covered Equipment including Breakdown to Covered Equipment.penstock, draft tube or well casing;Insurance und er this Coverage Extension(8)Vehicle, aircraft, self-propelled includes the reasonable expense you in-equipment or floating vessel,includ-cur to reduce or avert the spoilage loss oring any equipment mounted on or damage, but only to the extent theused solely with any vehicle, aircraft,amount of loss other wise payable underself-propelled equipment or floating this Coverage Extension is reduced.vessel;b.The most we will pay for loss or d amage(9)Dragline, power shovel,excavation or under this Coverage Extension arising outconstruction equipment including any of any one Equipment Breakdown is theequipment mounted on or u sed solely Spoilage Limit of Insurance shown in thewith any dragline, power shovel, ex-Schedule of this endorsement. This limitcavation or construction equipment;is part of and not in addition to the Limit of
Page 2 of 6 DX T3 19 11 12© 2011 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
2.The following additional Exclusions apply toInsurance that ap plies to the lost or dam-
the insurance provided by this endorsement:aged Covered Property.
We will not pay for loss or damage cau sed di-c.We will not pay for any loss or damage
rectly or indirectly by any of the following.under this Coverage Extension that re-
Such loss or damage is excluded regardlesssults from your failure to use due dili-of any other cause or event that contributesgence and dispatch and all reasonable concurrently or in any sequence to the loss.means to protect the property from spoil-
a.Lack or excess of power, light, heat,age damage following a Breakdo wn to
steam or refrigeration. But this ExclusionCovered Equipment.
does not apply to:2.Utility Services Property
(1)Business Income coverage or Extraa.Subject to provision 2.b.below, Covered Expense coverage; orEquipment is extended to include equip-(2)The Spoilage Coverage Extension orment, wherever located within the Cover-Utility Services Property Coverageage Territory, that is:Extension;(1)Owned, operated or controlled by a b.Hydrostatic, pneumatic or gas pressurelocal public or private utility or dis-testing of any boiler, fired vessel or elec-tributor that directly generates,trical steam generator; ortransmits, distributes or provides util-c.Insulation breakdown testing of any typeity services to the de scribed prem-
of electrical or electronic equipment.ises;and
D.EQUIPMENT BREAKDOWN LIMITATIONS(2)Used to supply water, communication
or po wer services to the described All of the Limitations that apply to this Coverage
premises.Part apply to loss or damage un der this endor se-
ment, except as follows:b.This Coverage Extension applies:
1.Under the Limitations contained in Section D.(1)Only with respect to; and of the Deluxe Property Coverage Form, Limi-(2)Subject to the Limit(s) of Insurance tations 1.a.and 1.b.do not apply.
that apply to;2.The following additional Limitations apply to
the insurance, if any, otherwise provided the insurance pr ovided by this endors ement.
under this Coverage Part for loss or dam-These Limitations are included in, and do not
age cau sed by an interruption of power or increase the applicable Limit(s) of Insurance.
other utility service supplied to the de-a.Ammonia Contamination Limitationscribed premises caused by or resulting The most we will pay for loss or d amagefrom a Covered Cause of Loss to the util-
ity services equipment described in 2.a.to property caused by ammonia contami-
nation that directly results from a Break-above.down to Covered Equipment is the Am-C.EQUIPMENT BREAKDOWN EXCLUSIONS monia Contamination Limit of Insurance
shown in the Schedule of this endorse-All of the Exclusions that apply to this Coverage ment.Part apply to loss or damage un der this endor se-
ment, except as follows:This limitation does not ap ply to Busines s
Income coverage or to Extra Expense1.Under the Exclusions contained in Section C.coverage.of the Deluxe Property Coverage Form, the
b.Hazardous Substance Limitationfollowing Exclusions do not apply:
If as a direct result of a Breakdo wn toa.Exclusion C.2.d.Electrical Damage or Covered Equipment, property is dam-Disturbance;aged, contaminated or polluted by a sub-b.Exclusion C.2.i.(6)mechanical break-stance, other than ammonia, that is de-down und er the Other Type of Losses clared to be hazardou s to health by aExclusion; and governmental agency, the Hazardous
Substance Limit of Insurance shown inc.Exclusion C.2.e.Explosion.
DX T3 19 11 12 Page 3 of 6© 2011 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
the Schedule of this endorsement is the a.Dollar Deductible
most we will pay for:If a dollar deductible is shown in the(1)Any additional expense s you incur to Schedule, we will not pay for loss or
clean up, repair, replace or dispose of damage until the amount of loss or dam-
any such property that is Covered age to which the deductible applies ex-Property under this Coverage Part;ceeds the applicable dollar deductible.and We will then pay the amount of loss or
(2)Any increase in loss of Busines s In-damage in excess of the dollar deducti-
come or Extra Expense due to the ble, up to the applicable Limit of Insur-
additional time required to clean up,ance.
repair, replace or dispose of the b.Time Period Deductibleproperty, provided Business Income
If a time period deductible is shown in theor Extra Expense loss resulting from
Schedule, we will not pay for any loss todamage to such property is otherwise
which the deductible applies that occursinsured against und er this Coverage
Part. Subject to the Hazardous Sub-during the specified time period immedi-
stance Limit of Insurance, the term ately following a Breakdow n to Covered
"period of restoration", as u sed in the Equipment.
Busines s Income and/or Extra Ex-c.Average Daily Value Deductiblepense insura nce provided under this
If an average daily value deductible isCoverage Part is extended to include
shown in the Schedule, this deductiblethis additional period of time.
will be calculated as fol ows:lAs used in this Limitation, additional ex-
penses and increase in los s mean ex-(1)For all of the described premi ses
penses and los s incurred beyond the ex-where you incur Busines s Income or
penses and loss for which we would have Extra Expense los s du e to a Break-
been liable had no substance declared to down to Covered Equipment, deter-
be hazardou s to health by a governmen-mine the total amount of Business In-
tal agency been involved.come that would have been earned
or incurred by you during the "periodE.EQUIPMENT BREAKDOWN LIMITS OF IN-
of restoration" had no Breakdown toSURANCE
Covered Equipment occurred.1.The insurance provided under this endor se-
ment for loss or damage cau sed by or result-(2)Divide the amount determined in
ing from Equipment Breakdown is included in,paragraph (1)by the number of days
and doe s not increase the Covered Property,the busine ss would have been open
Busines s Income, Extra Expense and other during the "period of restoration". Thecoverage Limits of Insurance that otherwise result is the av rage daily value.eapply under this Coverage Part.(3)Multiply the average daily value in2.Payments under the Equipment Breakdown paragraph (2)by the Multiple of Av-Coverage Extensions will not increase the erage Daily Value shown in theapplicable Limit(s) of Insurance.Schedule. We will first subtract this
F.EQUIPMENT BREAKDOWN DEDUCTIBLE deductible amount from any loss we
would other wise pay. We will then1.Unless other wise indicated in the Schedule of
pay the amount of loss or damage inthis endors ement, the insurance provided un-
excess of the deductible, up to theder this endor sement for loss or damage
applicable Limit of Insurance.caused by or resulting from Equipment
Breakdown is subject to the deductibles that d.Percentage of Loss Deductibleotherwise apply under this Coverage Part.If a deductible is expressed a s a percent-2.When one or more separate deductibles are age of loss in the Schedule, we will not beindicated in the Schedule of this endorse-liable for the indicated percentage of thement, each such deductible shall be applied gross amount of loss or damage insuredseparately to the applicable coverage for under the applicable coverage.
Page 4 of 6 DX T3 19 11 12
which the deductible is indicated, as follows:
© 2011 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
1.Your last known addres s; orG.EQUIPMENT BREAKDOWN ADDITIONAL
CONDITION 2.The addres s where the Covered Equipment is
located.The following Additional Condition applies to the
insurance provided under this endorsement:Once suspended in this way, such insurance can
only be reinstated by a written endorsement is-Suspension
sued by u s. If we suspend your insurance, youIf any Covered Equipment is found to be in, or will get a pro rata refund of premium for that Cov-exposed to a dang erou s condition, any of our rep-ered Equipment. But the suspension will be effec-resentatives may immediately suspend the insur-tive even if we have not yet made or offered a re-ance provided by this endorsement for loss or fund.damage caused by or re sulting from a Breakdown
to that Covered Equipment. This can be don e by
DX T3 19 11 12 Page 5 of 6
delivering or mailing a notice of suspension to:
© 2011 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
EQUIPMENT BREAKDOWN SCHEDULE
Limits of Insurance:
•Spoilage:$25,000 unles s a higher amount is sho wn:$
•Ammonia Contamination:$25,000 unles s a higher amount is sho wn:$
•Hazardous Sub stance:$25,000 unles s a higher amount is sho wn:$
Deductible Exceptions:Deluxe Property Coverage Part Deductibles apply to loss or damag e under this en-
dorsement, except as follows:
Page 6 of 6 DX T3 19 11 12© 2011 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
POLICY NUMBER:ISSUE DATE:
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
DELUXE PROPERTY COVERAGE PART AMENDATORY ENDORSEMENT
ORDINANCE OR LAW COVERAGE
This endorsement modifies insurance provided under the following:
DELUXE PROPERTY COVERAGE FORM
A.The Ordinance or Law Additional Coverage in 3.Coverage C – Increased Cost of Construc-
Section A.3.h.of the Deluxe Property Coverage tion Coverage
Form is replaced by the terms and conditions of a.If a Coverage C Limit of Insurance is indi-this endorsement for the premises location(s) and cated in the Schedule below for a cov-building(s) sho wn in the Schedule below.ered building,we will pay under Coverage
C the increased cost to:B.Each Coverage – Coverage A, Coverage B and
Coverage C – applies only if that Coverage(s) is (1)Repair or reconstruct damaged por-chosen by entry in the Schedule below an d then tions of that building; or
only with respect to the building identified for that (2)Reconstruct or remodel undamagedCoverage in the Schedule.portions of that building, whether or
C.In the event of covered direct physical loss or not demolition is required;
damage to a building that is Covered Property,when the increased cost is a con se-we will provide each of the following coverages quence of enforcement of the minimumthat apply to that lost or damaged building, as in-requirements of the ordinance or law.dicated in the Schedule below:This Coverage C applies only if the re-1.Coverage A – Cover age For Loss to the stored or remodeled property is intendedUndamaged Portion of the Building for similar occupancy as the current
property, unless such occupa ncy is notIf Coverage A is indicated as applicable by an
permitted by zoning or land use ordi-"X" in the Schedule below for a covered build-
nance or law. This Coverage C does noting, we will pay under Coverage A for the loss apply if the building is not repaired, re-in value of the undamaged portion of that constructed or remodeled.building as a consequence of enforcement of
b.When a covered building is damaged oran ordinance or la w that require s demolition
destroyed by a Covered Cause of Lossof undamaged parts of the same building.
and Coverage C applies to that prop ertyCoverageAis included in the Limit of Insur-in accordance with 3.a.above, coverageance (subject to any applicable Blanket Limi-for the increased co st of construction alsotation Clause or coinsurance provision)applies to repair or reconstruction of theshownin the Declarations a s ap plicable to following, subject to the same conditionsthat covered building. Coverage A do es not stated in 3.a.:increase the applicable Limit of Insurance.(1)The cost of excavations, grading,2.Coverage B – Demolition Cost Coverage backfilling and filling;
If a Coverage B Limit of Insurance is indi-(2)Pilings; andcated in the Schedule below for a covered (3)Underground wires, pipes, flues andbuilding, we will pay under Coverage B the drains.cost to demolish and clear the site of undam-
The items listed in b.(1)through b.(3)aged parts of that same building, as a conse-above are deleted from Section A.2.quence of enforcement of an ordinance or law Property and Costs Not Covered of thethat requires demolition of such undamaged Deluxe Property Coverage Form, but onlyproperty.with respect to the coverage described in
this provision,3.b.
DX T3 39 11 12 Page 1 of 4© 2011 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
D.The coverages described in C.above apply only if reconstruction, remodeling or remediation of
the provisions in Paragraphs D.1.and D.2.below property due to contamination by "pollutants "
are satisfied and are then subject to the qualifica-or due to the presence, growth, proliferation,
tions set forth in Paragraph D.3.below:spread or any activity of "fungus",wet rot or
dry rot;1.The ordinance or law:
2.The costs associated with the enforcement ofa.Regulates the demolition, construction or any ordinance or la w which require s any in-repair of buildings, or establishes zoning sured or others to test for, monitor, clean up,or land u se req uirements at the d escribed remove, contain, treat, detoxify or neutralize,premises; and or in any way respond to, or assess the ef-b.Is in force at the time of loss.fects of "pollutants","fungus", wet rot or dry
rot; orBut coverage under this endors ement applies
only in respon se to the minimum require-3.Loss due to any ordinance or law that:ments of the ordinance or law.Losses a nd a.You were re quired by the ordinance orcostsincurred in complying with recom-law to comply with before the loss, even ifmended actions or standard s that exceed ac-the building was undamaged; andtual requirements are not covered.
b.You failed to comply with.2.The building either:
F.Loss Paymenta.Sustains direct physical loss or damage
The following los s payment provisions F.1.that is covered under this Coverage Part
and such damage results in enforcement through F.4.are subject to the apportionment pro-
cedures set forth in Section D.3.of this endorse-of the ordinance or law; or
ment.b.Sustains both direct physical loss or
damage that is covered under this Cover-1.When there is a loss in value of an undam-
age Part and direct physical loss or dam-aged portion of a building to which Coverage
age that is not covered under this Cover-A applies, the loss payment for that building,
age Part and the building damage in its including damaged and undamaged portions,entirety results in enforcement of the or-will be determined as follows:dinance or law.a.If Replacement Cost valuation appliesIf the building sustains direct physical loss or and the property is repaired or replaced,damage that is not covered under this Cover-on the same or another location, we willage Part, and such damage is the subject of not pay more than the lesser of:the ordinance or law, then there is no cover-(1)The amount you actually spend to re-age und er this en dorsement even if the build-pair, rebuild or reconstruct the build-ing has also s ustained covered direct physical
ing, but not for more than the amountloss or damage.
it would cost to restore the b uilding3.In the situation described in D.2.b.above, we on the s ame location and to the samewill not pay the full amount of loss other wise height, floor area, style and compa-payable under the terms of Coverage A,B or rable quality of the original propertyCof this endorsement. Instead, we will pay a insured; orproportion of such los s. The prop ortion of
such lo ss that we will pay is the pro portion (2)The Limit of Insurance shown in the
that the covered direct physical loss or dam-Declarations as applicable to the cov-age bears to the total direct physical loss or ered building .damage.However, if covered direct physical b.If Replacement Cost valuation applieslossor damage, alone, would have resulted in and property is not repaired or replaced,the enforcement of the ordinance or law, then or if Replacement Cost valuation does notwe will pay the full amount of loss other wise apply, we will not pay more than thepayable under the terms of Coverage A,B or lesser of:C of this endorsement.
(1)The Actual Cash Value of the buildingE.We will not pay under this endorsement for:at the time of loss; or1.Enforcement of any ordinance or law which
requires the demolition, repair, replacement,
Page 2 of 4 DX T3 39 11 12© 2011 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
(2)The Limit of Insurance shown in the do not apply with respect to the covered
Declarations as applicable to the cov-building that is subject to the Combined Limit,
ered building .and the following loss payment provisions
apply instead:2.Unless paragra ph F.4.applies, loss payment
under Coverage B – Demolition Cost Cover-The most we will pay, for the total of all cov-
age will be determined as follows:ered losses for Demolition Cost and In-
creased Cost of Construction, is the Com-We will not pay more than the lesser of the bined Limit of Insurance sho wn for Coveragesfollowing:B and C in the Schedule below. Subject toa.The amount you actually spend to demol-this Combined Limit of Insurance, the follow-ish and clear the site of the building; or ing loss payment provisions apply:
b.The applicable Limit of Insurance shown a.For Demolition Cost, we will not pay morefor Coverage B in the Schedule below.than the amount you actually spend to
demolish and clear the site of the build-3.Unless paragra ph F.4.applies, loss payment
ing.under Coverage C – Increa sed Cost of Con-
struction Coverage will be determined as fol-b.With respect to the Increas ed Co st oflows:construction:
a.We will not pay under Coverage C:(1)We will not pay for the increased cost
of construction:(1)Until the property is actually repaired
or replaced, at the same or another (a)Until the property is actually re-location ; and paired or replaced, at the same
or another location; and(2)Unless the rep airs or replacement are
made as soon as rea sonably pos sible (b)Unless the repairs or replace-after the loss or damage, not to ex-ment are made as soon as rea-ceed two years. We may extend this sonably possible after the loss orperiod in writing during the two years.damage, not to exceed two
years. We may extend this periodb.If the building is repaired or replaced at
in writing during the two years.the same location, or if you elect to re-
build at another location, the most we will (2)If the building is repaired or replacedpay under Coverage C is the lesser of:at the same location, or if you elect to
rebuild at another location, the most(1)The increased cost of construction at
we will pay for the increased cost ofthe same location; or
construction is the increased cost of(2)The applicable Limit of Insurance construction at the same location.shown for Coverage C in the Sched-
(3)If the ordinance or law requires relo-ule below.
cation to another location, the mostc.If the ordinance or law requires relocation we will pay for the increased cost ofto another location, the most we will pay construction is the increased cost ofunder Coverage C is the lesser of:construction at the new location.(1)The increased cost of construction at G.The terms of this endors ement apply separatelythe new location; or to each building to which this endorsement ap-(2)The applicable Limit of Insurance plies.shown for Coverage C in the Sched-H.The Ordinance or Law Exclusion in Section C.1.h.ule below.of the Deluxe Property Coverage Form does not4.If a Combined Limit of Insurance is shown for apply to the insurance specifically provided underCoveragesBandCin the Schedule below,this endorsement.paragraph s F.2.and F.3.of this endorsement
DX T3 39 11 12 Page 3 of 4© 2011 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
I.SCHEDULE
Coverage A Coverage C
Loss to the Coverage B Increased Cost
Undamaged Demolition Cost of Construction Coverage B and C
Prem.Bldg.Portion of the Limit of Limit of Combined Limit
XNo.No.Building Insurance Insurance of Insurance
$$$
$$$
$$$
$$$
$$$
$$$
$$$
$$$
$$$
$$$
$$$
$$$
$$$
$$$
$$$
$$$
$$$
$$$
$$$
$$$
$$$
$$$
$$$
$$$
$$$
$$$
$$$
$$$
$$$
$$$
Page 4 of 4 DX T3 39 11 12© 2011 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
POLICY NUMBER:ISSUE DATE:
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
DELUXE PROPERTY COVERAGE PART AMENDATORY ENDORSEMENT
ADDITIONAL COVERED PROPERTY
This endorsement modifies insurance provided under the following:
DELUXE PROPERTY COVERAGE FORM
The property described in the Schedule below is with-
drawn from Paragraph A.2.Property And Co sts Not
damage to that property in any one occurrence.If a
Limit of Insurance is not shown
for any property described in the Schedule, the most
we will pay for loss or damage to that property in any
one occurrence is the ap plicable Covered Property
Limit of Insurance sh o wn in the Declarations.
Covered and added to Covered Property.
When a Limit of Insurance is shown in the Schedule
below for any property described in the Schedule, that
Limit of Insurance is the most we will pay for loss or
SCHEDULE
Prem. Loc.
No.
Bldg.
No.
Description of Property Limit of Insurance
$
DX T3 62 11 12 Page 1 of 1© 2011 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
in the Schedule below
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
DELUXE PROPERTY COVERAGE PART AMENDATORY ENDORSEMENT
UTILITY SERVICES –DIRECT DAMAGE
This endorsement modifies insurance provided under the following:
DELUXE PROPERTY COVERAGE FORM
A.Coverage tricity, steam or gas to the de scribed prem-
ises:If indicated in the Declarations, we will pay for
loss of or damage to Covered Property at the de-a.Utility generating plants;
scribed premises caused by the interruption of b.Switching stations;utility service to the described premises. The in-c.Substations;terruption of utility service must result from direct
physical loss or damage by a Covered Cause of d.Transformers; and
Loss to any of the Utility Supply Services Proper-e.Transmission lines.ties defined in Section B.below, if such property Coverage does not include loss caused by oris indicated in the Declarations and is:resulting from loss or damage to Overhead1.Located away from the described premises;Transmission Lines unles s or aorseparate Limit of Insurance is shown in the
2.Located at the de scribed premises and used Declarations for Overhead Transmission
to supply the utility service to the described Lines.
premises from a source away from the de-C.Deductiblescribed premises.We will not pay for loss or damage in any one oc-B.Utility Supply Services Properties currence until the amount of loss or damage ex-
1.Water Supply Services Property , meaning ceeds the applicable Deductible stated in the
the following types of property supplying wa-Declarations. We will then pay the amount of loss
ter to the described premises:or damage in excess of the Deductible up to the
applicable Limit of Insurance.a.Pumping stations; and
D.Limits of Insuranceb.Water mains.
The most we will pay for loss or damage in any2.Communication Supply Services Property,one occurrence is the applicable Utility Services –meaning the following types of property sup-Direct Damage Limit of Insurance stated in theplying communication services, including tele-Declarations.phone, radio, microwave or television ser-
vices, to the described premises, such a s:If a separate Limit of Insurance is shown in the
Declarations for Overhead Transmission Lines,a.Communication transmission lines, in-that limit is the most we will pay for loss or dam-cluding optic fiber transmission lines;age in any one occurrence resulting from loss orb.Coaxial cables; and damage to Overhead Transmission Lines to
c.Microwave radio relays except satellites.which this coverage applies. This applies even if
this coverage applies to both CommunicationCoverage does not include loss cau sed by or Supply Services Property and Po wer Su pply Ser-resulting from loss or damage to Overhead vices Property.Transmission Lines unles s or a
separate Limit of Insurance is shown in the The Limit(s) of Insurance applicable to this en-
Declarations for Overhead Transmission dorsement are part of, and not in addition to, the
Lines.applicable Covered Property Limit(s) of Insur-
ance.3.Power Supply Services Property,meaning
the following types of property supplying elec-
DX T3 85 11 12 Page 1 of 1© 2011 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
Included
Included
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
DELUXE PROPERTY COVERAGE PART AMENDATORY ENDORSEMENT
UTILITY SERVICES–TIME ELEMENT
This endorsement modifies insurance provided under the following:
DELUXE BUSINESS INCOME (AND EXTRA EXPENSE) COVERAGE FORM
DELUXE BUSINESS INCOME (WITHOUT EXTRA EXPENSE) COVERAGE FORM
DELUXE EXTRA EXPENSE COVERAGE FORM
A.Coverage Declarations for Overhead Transmission
Lines.If indicated in the Declarations, your coverage for
3.Power Supply Services Property,meaningBusiness Income and/or Extra Expense, as pro-
vided under the applicable Coverage Form, is ex-the following types of property supplying elec-
tended to apply to the actual amount of such of tricity, steam or gas to the de scribed prem-
Busines s Income and/or Extra Expense that you ises:
incur caused by the interruption of utility service a.Utility generating plants;to the described premises. The interruption of util-b.Switching stations;ity service must result from direct physical loss or
damage by a Covered Cause of Loss to any of c.Substations;
the Utility Services Properties defined in Section d.Transformers; andB.below, if such property is indicated in the Dec-e.Transmission lines.larations and is:
Coverage does not include loss caused by or1.Located away from the described premises;resulting from loss or damage to OverheadorTransmission Lines unles s or a2.Located at the de scribed premises and used separate Limit of Insurance is shown in theto supply the utility service to the described Declarations for Overhead Transmissionpremises from a source away from the de-Lines.scribed premises.C.DeductibleB.Utility Service Properties The hour deductible that applies to Utility Ser-1.Water Supply Services Property,meaning vices – Time Element is indicated in the Declara-the following types of property supplying wa-tions.We will only pay for loss of Business In-ter to the described premises:come you sustain after the number of consecutive
a.Pumping stations; and hours indicated in the Declarations following the
direct physical loss or damage to the Utility Ser-b.Water mains.vices Property to which this endors ement applies.2.Communication Supply Services Property,This deductible does not apply to Extra Expense.meaning the following types of property sup-D.Limits of Insuranceplying communication services, including
telephone, radio, microwave or television ser-The most we will pay for loss or damage in any
vices, to the described premises, such a s:one occurrence is the applicable Utility Services –
Time Element Limit of Insurance stated in thea.Communication transmission lines, in-Declarations. This limit is part of, and not in addi-cluding optic fiber transmission lines;tion to, the Limit(s) of Insurance that apply tob.Coaxial cables; and Business Income and/or Extra Expense at the
c.Microwave radio relays except satellites.described premises.
Coverage does not include loss cau sed by or If a separate Limit of Insurance is shown in the
resulting from loss or damage to Overhead Declarations for Overhead Transmission Lines,
Transmission Lines unles s or a that is the most we will pay for loss or damage in
separate Limit of Insurance is shown in the any one occurrence re sulting from loss or dam-
DX T3 86 11 12 Page 1 of 2© 2011 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
Included
Included
age to Overhead Transmission Lines to which this erty. This limit is part of, and not in addition to, the
coverage applies. This applies, even if this cover-Utility Services – Time Element Lim it of Insurance
age ap plies to both Communication Supply Ser-stated in the Declarations.
vices Property and Power Supply Services Prop-
Page 2 of 2 DX T3 86 11 12© 2011 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
FEDERAL TERRORISM RISK
INSURANCE ACT DISCLOSURE
This endorsement modifies insurance provided under the following:
DELUXE PROPERTY COVERAGE PART
The federal Terrorism Risk Insurance Act of 2002 as
amended ("TRIA") establishes a program under which
the Federal Government may partially reimburse
"Insured Losses" (as defined in TRIA) caused by
"Acts Of Terrorism" (as defined in TRIA). "Act Of
Terrorism" is defined in Section 102(1) of TRIA to
mean any act that is certified by the Secretary of the
Treasury – in consultation with the Secretary of
Homeland Security and the Attorney General of the
United States – to be an act of terrorism; to be a
violent act or an act that is dangerous to human life,
property, or infrastructure; to have resulted in damage
within the United States, or outside the United States
in the case of certain air carriers or vessels or the
premises of a United States Mission; and to have
been committed by an individual or individuals as part
of an effort to coerce the civilian population of the
United States or to influence the policy or affect the
conduct of the United States Government by
coercion.
The Federal Government's share of compensation for
such Insured Losses is 80% of the amount of such
Insured Losses in excess of each Insurer's "Insurer
Deductible" (as defined in TRIA), subject to the
"Program Trigger" (as defined in TRIA).
In no event, however, will the Federal Government be
required to pay any portion of the amount of such
Insured Losses occurring in a calendar year that in
the aggregate exceeds $100 billion, nor will any
Insurer be required to pay any portion of such amount
provided that such Insurer has met its Insurer
Deductible. Therefore, if such Insured Losses
occurring in a calendar year exceed $100 billion in the
aggregate, the amount of any payments by the
Federal Government and any coverage provided by
this policy for losses caused by Acts Of Terrorism
may be reduced.
The charge for such Insured Losses under this
Coverage Part is included in the Coverage Part
premium. The charge for such Insured Losses that
has been included for this Coverage Part is indicated
below, and does not include any charge for the
portion of such Insured Losses covered by the
Federal Government under TRIA:
•7% of your total Deluxe Property Coverage Part
premium if your primary location is in a
Designated City (as listed below).
•3% of your total Deluxe Property Coverage Part
premium if your primary location is not in a
Designated City (as listed below).
DELUXE PROPERTY
DX T4 02 01 21 © 2020 The Travelers Indemnity Company. All rights reserved.Page 1 of 2
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
Designated Cities are:
Albuquerque, NM El Paso, TX Miami, FL San Antonio, TX
Atlanta, GA Fort Worth, TX Milwaukee, WI San Diego, CA
Austin, TX Fresno, CA Minneapolis, MN San Francisco, CA
Baltimore, MD Honolulu, HI Nashville-Davidson, TN San Jose, CA
Boston, MA Houston, TX New Orleans, LA Seattle, WA
Charlotte, NC Indianapolis, IN New York, NY St. Louis, MO
Chicago, IL Jacksonville, FL Oakland, CA Tucson, AZ
Cleveland, OH Kansas City, MO Oklahoma City, OK Tulsa, OK
Colorado Springs, CO Las Vegas, NV Omaha, NE Virginia Beach, VA
Columbus, OH Long Beach, CA Philadelphia, PA Washington, DC
Dallas, TX Los Angeles, CA Phoenix, AZ Wichita, KS
Denver, CO Memphis, TN Portland, OR
Detroit, MI Mesa, AZ Sacramento, CA
DELUXE PROPERTY
Page 2 of 2 © 2020 The Travelers Indemnity Company. All rights reserved.DX T4 02 01 21
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
DELUXE PROPERTY
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
UTAH CHANGES
This endorsement modifies insurance provided under the following:
DELUXE PROPERTY COVERAGE PART
A.The ADDITIONAL CONDITIONS – Concealment,affects our obligations under this Coverage
Misrepresentation or Fraud is replaced by the fol-Part unless:
lowing:(1)We rely on it and it is either material or is
FRAUD OR MISREPRESENTATION made with intent to deceive; or
(2)The fact misrepresented or falsely war-This Coverage Part may be voided in the event of
fraud or misrepresentation by you relating to:ranted contributes to the loss.
1.This Coverage Part;d.No failure of a condition prior to the loss, and
no breach of a promissory warranty, affects2.The Covered Property;our obligations under this Coverage Part3.Your interest in the Covered Property; or unless it:
4.A claim under this Coverage Part,(1)Exists at the time of the loss; and
subject to the following provisions of Utah Code (2)Either:Section 31A-21 -105:(a)Increase s the risk at the time of thea.No statement, representation, or warranty loss; ormade by any person repre senting us in the (b)Contributes to the loss.negotiation for an individual insurance con-
However, this paragraph d.does not apply totract affects our obligations under this Cover-
age Part unles s the statement, representa-nonpayment of premium.
tion, or warranty, is stated:e.Nondisclosure of information not requested
(1)In this Coverage Part; or by us is not a defense to an action against us.
Failure to correct within a reasonable period(2)In a written application signed by you.
of time any representation that becomes in-No person, except you or another person by your correct because of changes in circumstanceswritten consent, may alter the application, other is misrepresentation, not nondisclosure.than for administrative purposes in a way which is
f.If, after we issue this Coverage Part, we ac-clearly not ascribable to you.
quire knowledge of sufficient facts to consti-b.You, your assignee and the lo ss payee, mort-tute a general defense to all claims under thisgagee or lienholder, if any, under property in-Coverage Part, the defense is only availablesurance, may request, in writing, from us a if, within 60 days after acquiring such knowl-copy of the application, if:
edge we notify the insured of our intention to(1)This Coverage Part or a copy of the ap-defend against a claim if one should arise.plication has not been received; or However, in order to continue this Coverage(2)This Coverage Part has been reinstated Part, we and the insured may both agree toor renewed without the attachment of a endors e it to include specific exceptions orcopy of the original application.modifications.
If we do not deliver or mail a copy of the applica-For purposes of this paragraph f., we are totion, within 30 days after receipt of the request by be considered as having acquired knowledgeus or our agent, nothing in the application affects only if the information alleged to give rise toour obligations under this Coverage Part to the such knowledge was disclose d to us or to ourperson making the request.agent in connection with communications or
c.Except as provided in f.below, no misrepre-investigations associated with the Coverage
sentation or breach of an affirmative warranty Part under which the subject claim arises.
DX T3 45 11 13 Page 1 of 3© 2013 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
DELUXE PROPERTY
invalidate your claim, if you show that it wasg.No trivial or transitory:
not reasonably po ssible to do so and also(1)Breach of; or show that you submitted the proof of loss to(2)Noncompliance with;us as soon a s reasonably pos sible.
any of the above provisions is a basis for One means you may use to send the re-
avoiding this Coverage Part.quested proof of loss is mailing it to us, post-
age prepaid, through first class mail depos-B.OTHER INSURANCE ited in a United States Post Of ice.f1.Paragraph H.8.Other Insurance in the Deluxe E.The following is added to:Property Coverage Form is replaced by the
1.Paragraphs a.,b.and c.(1)of LOSS CONDI-following:
TIONS D.1.Duties in the Event Of Accident,If there is other insurance covering the same Claim Or Suit in the Legal Liability Coverageloss or damage, other than that described in Endorsement.the paragraph above, we will pay only for the
One means you may use to send written no-amount of covered loss or damage in excess
tice or other material is mailing it to us, post-of the amount due from that other insurance.
age prepaid, through first class mail depos-But we will not pay more than the applicable
ited in a United States Post Office. Notice toLimit of Insurance.
our agent is considered notice to us.C.LEGAL ACTION AGAINST US
F.With changes apply with respect to the Co ndo-1.The ADDITIONAL CONDITIONS – Legal Ac-minium Association Coverage Form:tion Against Us is replaced by the following 1.The following is a dded to section 1.a. Build-except as prov ded in C.2.below:i
ings(s):LEGAL ACTION AGAINST US
(9)Any fixture, improvement, or bettermentNo one may bring legal action against us un-installed at any time to a unit or to a limitder this Coverage Part unless the action is common area associated with a unit,brought within 3 years after the date on which whether installed in the original construc-the direct physical loss or damage occurred.tion or in any remodel or later alteration,2.The following is deleted:including a floor covering, cabinet, light
fixture, electrical fixture, heating or plumb-a.The LOSS CONDITIONS – Legal Action
ing fixture, paint, wall covering, windowAgainst Us in the Legal Liability Cover-
and any other item permanently part of orage Endorsement ; and
affixed to a unit or to a limited commonD.The LOSS CONDITIONS – Duties in the Event of element associated with a unit.Loss or Damage is revised as follows:2.Paragraph 3.a.is replaced by the following:1.The provision requiring notice of loss or dam-a.Unit-owner's Insuranceage is replaced by the following:
A unit-owner may have other insuranceGive prompt notice of the loss or damage to
covering the same property as this insur-us or our agent. Include a description of the
ance.This insurance is intended to beproperty involved.
primary for the amount of a covered lossOne means you may use to fulfill this re-above this policy 's deductible and not toquirement is mailing the notice to us, po stage contribute with such other insurance.Thisprepaid, through first class mail deposited in a unit-owner 's ins urance applies to the por-United States Post Of ice.f tion of the loss attributable to the Associa-2.tion 's deductible.The amount of the unit-
loss is replaced by the fol owing:l owner's re sponsibility will be determined
by applying the unit damage percentageSend us a signed, sworn pro of of loss con-
to the amount of said deductible.taining the information we request to settle
the claim. We will supply you with the neces-3.Paragraph 3.b.is replaced by the following:sary forms.b.Waiver Of Rights Of RecoveryYou must send the proof of loss within 60 We waive our rights to recover paymentdays after our reque st. Failure to send the re-from:quested proof of loss within 60 day s do es not
Page 2 of 3 DX T3 45 11 13© 2013 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
The provision requiring signed, sworn proof of
DELUXE PROPERTY
4.The following is added:(1)Any person residing with the unit-
owner, if the unit-owner resides in the No act or omission by any unit-owner will voidunit; and the policy or be a condition to recov ry undere
this policy. But this does not apply to unit-(2)Any unit-owner of the condominium
owners acting within the scope of their au-that is sho wn in the Declarations.thority on behalf of the Association.
DX T3 45 11 13 Page 3 of 3© 2013 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
POLICY NUMBER:ISSUE DATE:
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
DELUXE PROPERTY COVERAGE PART AMENDATORY ENDORSEMENT
ELECTRONIC VANDALISM LIMITATION ENDORSEMENT
This endorsement modifies insurance provided under the following:
DELUXE PROPERTY COVERAGE PART
When included in this policy, this endorsement also modifies insurance provided under the COMMERCIAL
INLAND MARINE COVERAGE PART.
SCHEDULE
Electronic Vandalism Limit of Insurance,
$10,000 unless a higher limit is shown: $aggregate in any 12-month period of this policy:
This endorsement limits the insurance provided under The DEDUCTIBLE provisions of this policy co -n
this policy for direct physical loss or damage caused tinue to apply . But in no event will the total of all
by or resulting from "electronic vandalism" and for applicable deductible amounts applied in any one
loss that is a consequence of such direct physical occurrence of "el ectronic vandalism" be less than
loss or damage.$1,000.
A.LIMITATION – ELECTRONIC VANDALISM C.ELECTRONIC VANDALISM DEFINED
The following LIMITATION is added:"Electronic Vandalism",as used in this en-
dorsement means:The most we will pay for all loss or damage
caused directly or indirectly by or resulting from 1.Willful or malicious destruction of computer
"electronic vandalism" in any one policy year,programs, content, instructions or other elec-
commencing with the inception date of this e -n tronic or digital data stored within computer
dorsement, is the Electronic Vandalism Limit of systems.
Insurance shown in the Schedule of this e -n 2.Unauthorized computer code or programmingdorsement. This limit:that:
1.Applies regardless of the number of loc -a a.Deletes, distorts, corrupts or manipulatestions, items or types of property or coverages computer programs, content, instructionsor Coverage Forms involved; and or other electronic or digital data, or ot -h
2.Is part of, and does not increase the Limits of erwise results in damage to computers
Insurance provided under this policy.or computer systems or networks to
which it is introduced;But if "electronic vandalism" results in a "speci-
fied cause of loss", other than vandalism, this b.Replicates itself, impairing the perform-
limitation will not apply to the resulting loss or ance of computers or computer systems
damage caused by that "specified cause of loss".or networks; or
B.ELECTRONIC VANDALISM MINIMUM DE-c.Gains remote control access to data and
DUCTIBLE programming within computers or com-
puter systems or networks to which it isThe following deductible provision is added and introduced, for uses other than those i -napplies to all coverages, including Extra Ex-tended for authorized users of the com-pense:puters or computer systems or networks.
DX T3 98 04 02 Page 1 of 1
COMMERCIAL INLAND MARINE
COMMERCIAL INLAND MARINE
COMMERC POL ER:IAL INLAND MARINE ICY NUMB
ISSUE DATE:COVERAGE PAR LARATIT DEC ONS
INSURING MPANY:CO
DECLARATI ODONS PERI : m to 12:01A.M. Standard Ti mai ing addr essFrome at your l
The Co merc In Marine Co erage Part consists of these the Com erc Inland Marinemialland v m ial
Conditions For and the Co erage ms shown below.m v For
COVERAGE, MI S INSURANCE AND DEDUCTLITOFIBLE:
CARRIERS CARGO PAK
Limit f I nceonsura
I.Li its o Insurance Applicab To Property:m f le
A.In Or A Land Veh le or Conta $On ic iner:
B.At the "Ter ina " locatedml :
1.$
2.$
3.$
4.$
C.At ions:$Other Locat
D.Al v y In One $l Co ered Propert Any Occurrence:
II.Deductible $:
III.Reports and Prem m:iu
Min mu Earned Pre iu $i m m m:
Reporting or Non-Report ies as indicated by '' below.ing appl an X
Non- Reporting:$Annual Pol y Pre iuicmm
Reporting:
See Reporting S chedule
Prem miu Base:
Esti xposure:mated E
Rate:$
Prem m justment iod:iu Ad Per
Deposit Pre m $miu :
NUMBERS OF FORM SCHEDULES AND ENDOR S PART O THI COVERA PS, SEMENT F S GE ART
ARE A AS EPARA IST NG F M IL TTACHED A S TE L I ON OR T8 01 10 93.
CM 07 86T0 01 Page 1 o 1f
Order # CM B0 15 01 11
PRODUCER:OF :FICE
© 2010 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
FORMING
Declarations,
shown in the Common Policy Declarations.
CO MERCIAL INLAND MARINE PO ICY NU BER:M L M
CO ERAGE PART D CLARATION IS UE DATEVESS:
INSU IN O PAN :R G C M Y
D CLARATION PERIODES:F om to 12 01 A.M.Stand a d T i e at your ma l ngr:r m i i
The Comm rcial Inla d Ma i e C ov rage Pa t consists o thes eenrnerf the Com ercia Inland Marineml
Co di ion Form and the Cov rag e Fo m shown belo .n t s e r s w
MIS EL ANEOU PROP RT CO E AGE FO MCLSEYVRR
I.CO ERAGE AND L MITS O N URANCEVIFIS
A.Co ered P ope tyvrr
Cov red Prope t y o si ts o the o lowing w hen ndi a ed by an 'X' below:e r c n s f f l i c t
1.Sc ed led I ems:h u t
As shown on the Property Item Sched ule which ,the Lim t Ofi
In uranc e ap lyi g o each li t ed temspntsi.
As shown on the mo t current sched le on fi e wit us. Th e s u l h amo nt shown on suchu
schedule o ea h i em i the Li i f Insuran e apply ng to hat itemfrctsmtOcit .
To al Lim t f nsuranc e Fo Al cheduled I em :$t i O I r l S t s
2.B anke I ems:l t t
a.To al Lim t f nsuranc e Fo Al nli ted Item :$t i O I r l U s s
b.Lim t Of In uranc e or ny O e Unl sted I em $i s F A n i t :
c.De cri tion f Unli ted Item :s p O s s
3.$
B Co erage xtensi n :.v E o s
1.F re P ote tiv ystem :$i r c e S s
2.$
3.Pre e v tion f Property x ense:$s r a O E p
4.Va uable apers And Re o ds:$l P c r
C.Add t onal Co erages:i i v
1.Cla m Da a Ex ens e:$i t p
2.De ri Rem v l Increas ed Lim t:$b s o a i
3.F re O oli e Departme t Se v ce ha ge:$i r P c n r i C r
4.Po l tant leanup And em v l:$l u C R o a
5.$
CM T0 01 07 86 Pa e 1 o 2gf
Order # CM B0 72 02 18
PRO UCER:OF I E:D F C
© 2018 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
address shown in the Common Policy Declarations.
Newly Acquired Property:
Limits of Insurance
Reward Coverage:
Total Limit Of Insurance For Scheduled And Blanket Items:
Miscellaneous
Declarations,
includes
COMM RCI L INLA D MA INEEANR
II Ded ct bl.u i e
A.De uctib e ap ply n to cov red lo s o dama e unle sdligesrgs a m re spe i i Deducti le for th e covocfcbe edr
lo s o dam ge i shown i B.below o el ewher e n hi pol cy:s r a s n r s i t s i
$
B.De uctib e apply ng to c ov red lo s or dam ge caused by ordliesa re ul ing fr om Flo d or Earthquake whensto
i di a ed by an 'X' belo :n c t w
F oo Dedu tible $orldc:
$m nim m andiu
$m x m maiu
Ea thqu ake ed cti le:$orrDub
$m nim m andiu
$m x m maiu
II .O tio al Repl cemen os Valuat onIpnatCti appl e when indi a ed by an 'X' b elowisct:
Re la em nt Co tpces
IV O tio al Ag eed alue al ati n.p n r V V u o applie wh en ndi a ed by an 'X' b e o :s i c t l w
Ag ee Val erdu
V.Co ns ran eiuc
100%90%80%No Coi suranc e Appl enis
VI P emium:.r
Prem um $i :
M nim m Ea ned rem um $i u r P i :
NUM E S OF FO MS SCHEDULES AND ENDORS ME TS FORM NG PART OF THIS COV RAGE PARTBRR,E N I E
ARE A TACHED S A EPA ATE LI TINGTASRS.
CM T0 01 07 86 Pa e 2 o 2gf
Order # CM B0 72 02 18
PRO UCER:OF I E:D F C
© 2018 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
% subject to
% subject to
The following coinsurance applies when indicated by an 'X':
all
PO ICY NU BER:L M
IS UE DATES:
It m No.Descrip io O tems L mi O n uranceetnfIitfIs
$
$
$
$
$
$
$
CM B 73 01 160 Pa eg
MISCELLANEOUS PROPERTY COVERAGE
MISCELLANEOUS PROPERTY ITEM SCHEDULE
© 2016 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
POLICY NUMBER:
ISSUE DATE:
Thi s Locatio n Schedule describes additional ly covered "Term inals" or "Facilitie s" from the Decla ration s.
Location Limit of Insurance
$
$
$
$
$
$
CM B0 21 02 14 (Rev. 10-14)Page
PRODUCER OFFICE
© 2014 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
CARRIERS CARGO PAK
CARGO AND LOGISTICS PAK
SHIPPERS CARGO PAK
LOCATION SCHEDULE
TABLE OF CONTENTS
COMMERCIAL INLAND MARINE COVERAGE PART
The following indicates the contents of the principal forms which may be attached to
your policy.
It contains no reference to the Declarations or Endorsements which also may be attached.
Beginning on Page
COMMERCIAL INLAND MARINE CONDITIONS
Loss Conditions
A.Abandonment 1
B.Appraisal 1
C.Duties In The Event Of Loss 1
D.Insurance Under Two Or More Coverages 1
E.Loss Payment 1
F.Other Insurance 2
G.Pair, Sets Or Parts 2
H.Recovered Property 2
I.Reinstatement Of Limit After Loss 2
J.Transfer Of Rights Of Recovery Against Others To Us 2
General Conditions
A.Concealment, Misrepresentation Or Fraud 2
B.Control Of Property 2
C.Legal Action Against Us 2
D.No Benefit To Bailee 3
E.Policy Period, Coverage Territory 3
F.Valuation 3
INLAND MARINE COVERAGE FORM(S)
A.Coverage
1.Covered Property
2.Property Not Covered Page
3.Covered Causes Of Loss
4.Additional Coverage – Collapse (If Applicable)No.
5.Coverage Extensions (If Any)
Varies
B.Exclusions
C.Limits of Insurance By
D.Deductible
E.Additional Conditions Form
F.Definitions
CM T0 11 08 05 Page 1 of 1
COMMERCIAL INLAND MARINE
COMMERCIAL INLAND MARINE CONDITIONS
The following conditions apply in addition to the set the damaged property aside and in the
Common Policy Conditions and applicable Additional best possible order for examinat ion.
Conditions in Commercial Inland Marine Coverage 5.You will not, except at your own cost, volun-Forms:tarily make a payment, assume any obliga-
LOSS CONDITIONS tion, or incur any expense without our con-
sent.A.Abandonment
6.As often as may be reasonably required,There can be no abandonment of any property to permit us to inspect the property proving theus.loss or damage and examine your books andB.Appraisal records.
If we and you disagree on the value of the prop-Also permit us to take samples of damagederty or the amount of loss, either may make writ-and undamaged property for inspection, test-ten demand for an appraisal of the loss. In this ing and analysis, and permit us to make cop-event, each party will select a competent and ies from your books and records.impartial appraiser. The two appraisers will select 7.We may examine any insured under oath,an umpire. If they cannot agree, either may re-while not in the presence of any other insuredquest that selection be made by a judge of a and at such times as may be reasonably re-court having jurisdiction. The appraisers will state quired, about any matter relating to this in-separately the value of the property and amount surance or the claim, including an insured'sof loss. If they fail to agree, they will submit their books and records. In the event of an exami-differences to the umpire. A decision agreed to nation, an insured's answers must be signed.by any two will be binding. Each party will:
8.Send us a signed, sworn proof of loss con-1.Pay its chosen appraiser; and taining the information we request to settle2.Bear the other expenses of the appraisal and the claim. You must do this within 60 days af-umpire equally.ter our request. We will supply you with the
necessary forms.If there is an appraisal, we will still retain our right
to deny the claim.9.Immediately send us copies of any demands,
notices, summonses or legal papers receivedC.Duties In The Event Of Loss
in connection with the claim or suit.You must see that the following are done in the
10.Cooperate with us in the investigation or set-event of loss or damage to Covered Property:
tlement of the claim.1.Notify the police if a law may have been bro-
D.Insurance Under Two Or More Coveragesken.
If two or more of this policy's coverages apply to2.Give us prompt notice of the loss or damage.
the same loss or damage, we will not pay moreInclude a description of the property involved.
than the actual amount of the loss or damage.3.As soon as possible, give us a description of
E.Loss Paymenthow, when and where the loss or damage oc-
curred.1.We will give notice of our intentions within 30
days after we receive the sworn proof of loss.4.Take all reasonable steps to protect the Cov-
ered Property from further damage, and keep 2.We will not pay you more than your financiala record of your expenses necessary to pro-interest in the Covered Property.tect the Covered Property, for consideration 3.We may adjust losses with the owners of lostin the settlement of the claim. This will not in-or damaged property if other than you. If wecrease the Limit of Insurance. However, we pay the owners, such payments will satisfywill not pay for any subsequent loss or dam-your claim against us for the owners' prop-age resulting from a cause of loss that is not erty. We will not pay the owners more thana Covered Cause of Loss. Also, if feasible,
CM 00 01 09 04 Page 1 of 3
COMMERCIAL INLAND MARINE
their financial interest in the Covered Prop-H.Recovered Property
erty.If either you or we recover any property after loss
4.We may elect to defend you against suits settlement, that party must give the other prompt
arising from claims of owners of property. We notice. At your option, the property will be re-
will do this at our expense.turned to you. You must then return to us the
amount we paid to you for the property. We will5.We will pay for covered loss or damage pay recovery expenses and the expenses to re-within 30 days after we receive the sworn pair the recovered property, subject to the Limitproof of loss if you have complied with all the of Insurance.terms of this Coverage Part and:
I.Reinstatement Of Limit After Lossa.We have reached agreement with you on
the amount of the loss; or The Limit of Insurance will not be reduced by the
payment of any claim, except for total loss orb.An appraisal award has been made.damage of a scheduled item, in which event we6.We will not be liable for any part of a loss will refund the unearned premium on that item.that has been paid or made good by others.J.Transfer Of Rights Of Recovery AgainstF.Other Insurance Others To Us
1.You may have other insurance subject to the If any person or organization to or for whom wesame plan, terms, conditions and provisions make payment under this Coverage Part hasas the insurance under this Coverage Part. If rights to recover damages from another, thoseyou do, we will pay our share of the covered rights are transferred to us to the extent of ourloss or damage. Our share is the proportion payment. That person or organization must dothat the applicable Limit of Insurance under everything necessary to secure our rights andthis Coverage Part bears to the Limits of In-must do nothing after loss to impair them. Butsurance of all insurance covering on the you may waive your rights against another partysame basis.in writing:
2.If there is other insurance covering the same 1.Prior to a loss to your Covered Property.loss or damage, other than that described in 2.After a loss to your Covered Property only if,1.above, we will pay only for the amount of at time of loss, that party is one of the follow-covered loss or damage in excess of the ing:amount due from that other insurance,
whether you can collect on it or not. But we Someone insured by this insurance; ora.
will not pay more than the applicable Limit of b.A business firm:Insurance.(1)Owned or controlled by you; orG.Pair, Sets Or Parts (2)That owns or controls you.1.Pair Or Set This will not restrict your insurance.In case of loss or damage to any part of a GENERAL CONDITIONSpair or set we may:
A.Concealment, Misrepresentation Or Frauda.Repair or replace any part to restore the
pair or set to its value before the loss or This Coverage Part is void in any case of fraud,
damage; or intentional concealment or misrepresentation of a
material fact, by you or any other insured, at anyb.Pay the difference between the value of time, concerning:the pair or set before and after the loss or
damage.1.This Coverage Part;
2.Parts 2.The Covered Property;
In case of loss or damage to any part of Cov-3.Your interest in the Covered Property; or
ered Property consisting of several parts 4.A claim under this Coverage Part.when complete, we will only pay for the value
of the lost or damaged part.
Page 2 of 3 CM 00 01 09 04
COMMERCIAL INLAND MARINE
B.Control Of Property E.Policy Period, Coverage Territory
Any act or neglect of any person other than you We cover loss or damage commencing:
beyond your direction or control will not affect this 1.During the policy period shown in the Decla-insurance.rations; and
The breach of any condition of this Coverage 2.Within the coverage territory.Part at any one or more locations will not affect F.Valuationcoverage at any location where, at the time of
loss or damage, the breach of condition does not The value of property will be the least of the fol-
exist.lowing amounts:
C.Legal Action Against Us 1.The actual cash value of that property;
No one may bring a legal action against us under 2.The cost of reasonably restoring that property
this Coverage Part unless:to its condition immediately before loss or
damage; or1.There has been full compliance with all the
terms of this Coverage Part; and 3.The cost of replacing that property with sub-
stantially identical property.2.The action is brought within 2 years after you
first have knowledge of the direct loss or In the event of loss or damage, the value of prop-
damage.erty will be determined as of the time of loss or
damage.D.No Benefit To Bailee
No person or organization, other than you, having
custody of Covered Property will benefit from this
insurance.
CM 00 01 09 04 Page 3 of 3
COMMERC MARIAL INLAND INE
CARRIERS CARGO PAK
Various pro isions in this pol restr co erage.Read the entire po y care ll to deter ine r dut andvicy ict v lic fu y m ights, ies
what is and is not co ered.v
Throughout this pol y,the words "you"and "your"re er to the Na Insured shown in the Dec ions.Theicfmed larat
words "we","us" and "our" re to mpany pro id ng this insurance.fer the Co v i
Other words and phra ses that appear in quotation m have special me an Re to Secarks ing. fer tion F –DE I-FIN
T ONS.I
A.COVERAGE 4.Additi Coveragesonal
a.Duty t do DefenWwipay those sums you become legally oble ll i-
gated to pay as damages for direc physical losst W ha e the r and duty to de youe v ight fend of or da to Co red Property caused by ormage ve against any "suit".Howe we will haver, veresulting ro v f Loss.f m a Co ered Cause o no duty to de you aga any "suit"fend inst
1.Covered Property, as used in this Coverage seeking damages to which this insurance
For means lawful property o others that does not apply. We may at our discre-m,f ,
you ha accepted for transportation, and for tion,in estiga any occurrence and set-ve v te
which a Li it o Insurance is shown in the tle any lai or "sui "that y result utmf c m t ma . B :
Declarat ions.(1)The amount we will pay fo damagesr
2.Property N overedot C is li i as de scribed in Section C –m ted
Li its o Insurance; andmf Co y does not incvered Propert lude:
(2)Our r and duty to de endsight fend a.Li e ani insects, ver in, rodents,v mals, m when we have used up the a pplicablebirds, poultr f ma l fey, ish or rine i ;Li it o Insurance in the payment omf fb.Auto les, veh transporting vehmobiicles, i-judg ments.ments or settlecles, trai or containers unle ss speciflers i-No other obligat iabi ition or l l y to pay sumscalldescribed as property to be trans-y or perfor acts or ser ices is co redmvveported in any written contract issued or unless explic tl pro ided f under theiy v or accepted by you;Supple Pay ts Additmentary men ionalc.Accounts, bil deeds, letters of credils, t,Co rage.vepassports, lottery or other t ts, stamps,icke b.Sup tary Paymentsplemenmoney,currency,securit checks,ies,
draf notes, e of debt co mer-W wil pay, with respect to any c m wets, vidences , m e l lai
cial papers, blueprints, mechanica draw-in estigate or settle,or any "suit"againstl v
ings, manuscripts, other v luable papers you we defend:a
or records, bullion, coins, precious (1)Al xpenses we incur.l estones, jewelry, abstracts, paint h-ings, etc (2)The cost of bonds to release attach-ings, drawings, rare books, tape stries,ments, but only for bond amountssculptures, statuary and other bo na fide within the appl L m o Insur-icable i it fworks of art, rar ty, h v lue or art s-i istoric a i ance. We wi not be the princ l un-ll ipaticmer;it der thes e bo nd s, and we do not haved.Property for which you have arranged to ish these bond s.furntransportation as a transportation broker (3)Al reasonable expense s you incur atl or for which you are legally l as aiable our reque st to assist us in the in i-vestwarehouse op erator or a freight for-gation or de of the c i orfense la m warder."suit", includ actual loss of earn-ing 3.Covered Causes o Lossf ings up to $500 a day because of
Co Causes of Loss means RISKS OF ti o f fro work.vered me f m
DIRECT PHYS LOSS OR DAMAICAL GE (4)Al costs taxed against you in thel f m an externa cause, except for thoserol "suit", but on f such costs are taxedly icauses of the E clusions.loss listed in x for d t physical loss of or dairecmage
CM 01 11T2 09 © 2010 Th e Tr avelers Indemnity Company.All rights reserved.Page 1 o 5f
Includes copyrighted material of Insurance Services Offic e,Inc.with its permission.
COMMERC MARIAL INLAND INE
to Co Property to which this in-Co Property, we will pay tho severed vered
surance applies.sums you become ly ob igated to paylegall
for such loss to damaged or undamaged(5)Prejudg in awardedment terest Co Property within the contracvered tualagainst you on that part o the judg-f control o thef Shipper.ment we pay. If we make an offer to
e.Cargo Extra Expensespay the applicab L m o Insurance,le i it f
we will not pay any prejudg in-ment W wi pay the necessary and rea son-e ll terest ba sed on that period of ti f-me a able e xpenses incurred to:xtra eter the o ffer.(1)A id or m m ze a Covered Causevoinii(6)Al interest on the fu a o anyl ll mount f of vered PropertyLoss to Co ; orjudgthat accrues after entry oment f (2)Re-load,sal age or te ly storevmporarithe judg and be we hament fore ve Co Property a a covered fter veredpaid, o fered to pay, or deposited inf loss.court the part o the judg that isf ment
within the appl L m o Insur-icable i it f This includes ser ices prov by Fire,v ided
ance.Pol or other Publ E Ser iice ic mergency v ce
Departments.The most we wil pay underl (7)The cost of any required appeal bond this Additiona Co is $25,000 inl verage for any judgment that we appeal, but any one occurrence.only for bond a for that par omounts t f
the judgment that is for damages to f.Debris Removal
which this insura nce applies and W wi pay the necessary and rea son-e ll which are within the applicab Li itle m able expenses incurred to re ve debrismoof Insurance.We wil pay, or re m-l i of Co ered Property result fro aving m burse you for, the cost o a hf igher Co Loss.vered Cause ofappeal bond amount i we are re-f This Addi l Co erage does not applytionavquired to do so under the law that to:applies.W wil not be the pr ipalel inc
under any app eal bond, and we do (1)Costs to extrac "po lutants" fro landtlm
not ha to urnish any appeal bond.ve f or water; or
c.Cargo Han in Eq pmentdlg ui (2)Costs to remo , restore or replaceve
polluted water.land orWwilpay for d physical loss orel irect
damage caused by a Covered Cause of The most we will pay under th Addi-is
Loss to tarpa ulins, chains, binders, pad s,tional Co erage is $25,000 in any onev
co bur skids, barrels, cartons,vers, lap, occurrence.
pallets, do ies, hand trucks, fork l fts andlli g.Pol nt C p a Removallutaleanundlit trucks owned by you or owned by oth-f W wi pay the necessary and rea son-e ll ers and not accepted for transportation.able e s incurred to e tract "pol t-xpense x luThe v o such property wi be thealuef ll ants"fro land or water, i the discharge,m f lesser of the cost to repair or replace, if dispersal, seepage, m ion, release origratyou actually repai or replace, but i your f escape of the "pollu "is caused by ortantsdo not, the v lue wil be the Ac Cashal tual results fro a Co ered Cause of Loss tomvValuefor the co loss or damage a svered Co Property that occurs during thevered of o loss.the date f policy .periodThe most we will pay under th Addi-is The e s will be pa only f reporxpenseid i tedtional Co erage is $25,000 in any onev to us in writing within 180 days of the di-occurrence.rect physical loss or damage.d.Shi 's Co l of Damaged apperntrond This Addi l Co erage does not applytionavUndamageGod ods to costs to test for mon or assess the, itorIloss to any part of Co Property isf vered ex concentration or ef ects ofistence, fcaused by a Co Cause of Loss andvered "pollu ". But we will pay fo testtantsr ingyou ha agreed in writ pr to theve ing ior which is perfor in the course of emed x-loss that the shipper may control the dis-tract the "pol "fro the land oring lutants m position of the da or undamagedmaged water.
Page 2 o 5f © 2010 Th e Tr avelers Indemnity Company.All rights reserved.CM 01 11T2 09
Includes copyrighted material of Insurance Services Offic e,Inc.with its permission.
COMMERC MARIAL INLAND INE
The most we will pay under th Addi-tack, by any go ern , so ereignis v ment v
tional Co erage is $25,000 in any one or other authority using mi itar per-v l y
year co menc icy inception sonnel or otherming with pol .agents; or
h.Reward Coverage (3)Insurrection, rebel , re lutlionvo ion,
usurpe d po wer or action taken byWwiremburse you for any rewarde ll i go menta author in hinderingvernl itypayments you leadmake ing to:or defend fing against any o these.(1)The successful re of undaturn maged 2.W wil not pay or damage caused byel for loss stolen Co roperty;vered P or or resulting ro o the lfm any f fo lowing:(2)The arrest and conv tion o any per-ic f a.Delay, loss of use, loss of market loss of, sons who ha damaged or stolenve inco any other consequentialme or loss.any o v Property.f the Co ered
b.Dishone st or crim l acts by you, yourinaThe most we will pay under th Addi-is partners, directors, trustees, of i orfcers tional Co erage is $5,000 in any one oc-v me This e lusion does not applymbers.xccurrence.to your e or independent con-mployees This Addi l Co erage does not applytionav tractors.in the oStatef New York.3.W wi l not pay for any costs, f or penal-e l ines, i.Uncol le ht ClectibFreigharges ties you incur fo your v ola o any law orr i tion f
regulation that appl to your delay in pay-ies W wil pay the a o earned fel mount f reight
ments, den or settle o any cla mial ment f icharges that you cannot collect due to a
made against you by others for any loss orcoloss to Co .W lvered vered Property e wil
damage.not prorate your charges for a shipment
that com enced but could not be deli -m v C.LIM TS F I O INSURANCEered due to a covered loss to Covered The most we will pay for loss or damage in anyProperty.one occurrence is the applicable Li it o Insur-m f The most we will pay under th Addi-is ance sho wn in the Declarat ions:tional Co erage is $25,000 in any onev 1.In Or On A Land Vehic or Container appliesle occurrence.to Co Proper in or on a truck tra ler,vered ty , iB.EXCLUSIONS semi-ler,or conta while not at yourtraiiner,
"Ter inal"m .1.damage cau sed di-
rectly or ind ly by any of the fo lowing.irect l 2.At the "Ter ina "appl to Co Propertymlies vered Such loss or damage is exc regardlessluded while at the "m "described in the Dec-Ter inalof any other cause or event that contributes larat ions.concurrently in any sequence to the or loss:3.At O Locat applies to Co Prop-ther ions vered a.Nuclear Hazard erty that is not in or on a truck, trai sem -ler, i
trai or container and not at a locat de-ler, ion (1)Any weapon employ ato ic fing m ission
scribed as a "Ter inal"the Dec ions.m in larator ion; orfus
In no event wil pay more than the All Co redl we ve(2)Nuclear reaction or radia or ra-tion,
Property in Any One Occurrence l m regardlessiitdioactvcontainatfm anyie m ion ro
of mber o :the nu fother cause. But i nuc react orf lear ion
radiat or rad i e conta ina-ion, ioact v m a.Trucks, tra lers, sem -tra lers, or contaiii iners;tion results in f we wil pay for theire, l b."Ter inals"; ormdirectloss or damage caused by that
c.Other Locat ions.f i f would be co underire f the ire vered
this Co For .verage m The applicab Li i o Insurance is the most wele m t f
b.War And Military Action will pay regardless of the nu o insureds,mber f
clai made or "suits"bro ught; or per sons or or-ms (1)W r, inc undeclared or ci ialuding v l ganizations ing c ms or ing "suits".mak lai bringwar;
The Li i o Insurance stated within the speci icmts f f(2)W rl act by a m i fo in-a ike ion il tary rce, Addit Co erage will app as additionalional v ly cluding ac in h or de d-tion indering fen
ing against an actual or expected at-
CM 01 11T2 09 © 2010 Th e Tr avelers Indemnity Company.All rights reserved.Page 3 o 5f
Includes copyrighted material of Insurance Services Offic e,Inc.with its permission.
We will not pay for loss or
COMMERC MARIAL INLAND INE
amounts of insurance, unless other wise stated You may wai your r agai nst anotherve ights
within the ional v party ing:Addit Co erage.in writ
D.DEDUCT E a.IBL Prior loss to Co Property;to a vered
b.A a loss to Covered Property only i atfter f W wil not pay f or damage in any one oc-e l or loss
currence unti the a o the adjusted loss or the t me o loss that par ty l mount f i f is:
damage, be apply the app cable L m oforeing li i its f (1)Someone insurance;insured by this Insurance, exceeds the applicable Deductible (2)A busine ss fir owned or controlledmshown in the Declarations. W wil then pay thee l by you or that owns or controls you;amount o the loss or damage in e of thef xcess orDeductibleup to the appli L m o Insur-, cable i it f
ance.(3)Another bailee o Co Property if vered f
you ha a written cont that ap-ve ract Unless other wise stated within the specif Addi-ic portions some or all o the loss withf tional Co rage, the Deduct shown in theveible such bailee.Declarat applies to the Add ional Co ragesions it ve
in th co for But, i loss or damage inis verage m.f This wil restric insurance.l not t your
any one occurrence in l es more than one Covovv-4.Legal nst UsAction Agaierage or Additional Co verageverage under this co The Legal Action Against Us General Condi-for , we will deduct only the largest applmicable tion,in the Co merc l In Mar Condi-m ia land ine deductible.tions, the llowing:is replaced by foE.AMENDED AND ADDITI T ONSONAL CONDI I Legal Act inst Usion AgaThe Co merc In Mar Condi andmialland ine tions a.No one may br a legal ac againsting tionthe Com Pol Condit apply except asmon icy ions us under this Co unless:verage Partamended below.
(1)There has bee n ful co iance withl mpl1.Commercial In d Mari Loss C di-lan ne on all ter f v mthe ms o this Co erage For ;tio t Applns No icable
(2)The act is brought within 2 yearsion The fol Loss Co nditions do not apply tolowing af you f rst ha e knowledge o theter i v f this Co For Appraisal; Loss Pay-verage m: direct the "suit .loss or damage or "ment Pa Sets or Parts; and Reco; irs, vered
Property.b.No person or organization has a right un-
der this Co For to jo us as average m in 2.Valuati no party or otherwise bring us into a "suit"The Valuat Genera Condit is replacedion l ion asking for mages fro you.da mby the fo lowing for a vlll Co ered Property other A person or organization may sue us tothan the Addi ional Co erage for Cargo Han-t v reco on an agreed settlement or on aver dling mentEquip:f l judg against you obtained afterinament Co Property wil be v lued at thevered l a an actual tria but we will not be ll, iable foramount f which you are legal liab How-or ly le.damages that are not payable und er theeayour discretion, Co ered Propertyver, t v ter th verage m or inms of is Co For that arewhich was sold by a Seller, pr to any loss,ior excess of the applicable Li it o Insur-m f will be va at the de stination market v luelued a ance.An agreed settle t means a set-menless any charge s or expenses not incurred.tle and release of liab i signed byment il ty
3.Tra of Rig of Recovery Againstnsfer hts us, you and the clai or the c i 'smantlamant
Others to Us legal verepresentati.
The Transfer o Rights o Reco ery Agaff v inst 5.Duties the of ossinEvent L
Others to Us Lo ss Condition is replaced by The fol is added to the Duties in thelowing the llowing:fo E o Loss Condition:vent f
I you ha r to reco er al or part o anyf ve ights v l f Make a prompt cla m in writ against anyiing payment we ha made under th Cove is verage other party who l fo loss.may be iable r thePart, those rights are transferred to us. You 6.Coverage oryTerritmust do nothing a ter loss to i the Atfmpairm.
our reque st, you will br "suit"or transfering W co er propert ver in:e v y where located with
those rights to us and help us enforce m.the
Page 4 o 5f © 2010 Th e Tr avelers Indemnity Company.All rights reserved.CM 01 11T2 09
Includes copyrighted material of Insurance Services Offic e,Inc.with its permission.
COMMERC MARIAL INLAND INE
a.The Uni States o A ica and its ter-ted f mer as of each Pre iu Ad Permm justment iod
ritor ssions;shown in the Declaraties or posse ions.
b.c.Puerto Ri Prem m Adjust W wi apply theco; and iu ment.e ll
computed pre iu to the Deposit Pre-m m c.Canada.m m shown in the Dec arat until i isiulions t 7.Reimbursement Usto used up. You must then pay us al pre i-l m
ums that xceed the Deposit m m.e Pre iuWme ay endorse this policy at your request to
comp with the requirements of the Unily ted d.I the Co For is cancel youf verage m led, States Department o Transportation or anyf must report the a o the Pre iumount f m mother go menta thorivernl au ty.Base up to the date o cancel ion.f lat
I we pay any loss or damage becau se of anyf e.Cancellat The fo lowing is added toion.lsuch endor sement, you must pro ly re m-mpt i the Cancellat Co mon Po cy Condi-ion m liburse u s for that pay and any other ementx-tion:penses we may incur in connection with it;In the e ent o cancel ion,th Co r-v f lat is vehoweyour re mbursemen wil be requiver, i t l red age Form appl vies to all shipments of Co -only to the e that we do not co thatxtentver ered Property made up to the date ofloss or damage under this Co erage For .v m cancella tion.8.Salvage F.DEFINI ITONSUnless, prior to any loss, you have agreed by 1."Gross receip "ts means the to a t otal moun fwritten contract to the contrary,any sal agev receipts to which you are entitled for al ser-l for loss will acc entire to our benef t untirue ly i l v ces co by th co for durivered is verage m ingthe sum paid by us ha s been made up.If our the pol iod.icy perbenefiosalrecoy exceeds the los st f vage ver
2."Milea "ge means the total li e and deadvsum we paid, then we will return the di f r-f e
ence to you or the owner of Co Prop-m leage of a l re enue producing units oper-vered i l v
erty, vage e pense s.ated during the po icy perless sal x l iod.
9.Min Earned um 3."Pol tants"imum Premi lu means any solid, l ,gase-iquid
ous or thermal irr or conta inant, includ-itant mYou must pay at least the M mu Earnedinim ing smoke, v soot, fu acids, alka is,apor, mes, lPremmn in the Dec ions.iu show larat chem ls and waste.Waste inc matericaludes i-This M mu Earned P miu wil on ap-ini m re m l ly als to be recycled, recond ioned or re-itply:clai ed.m
a.W the co pre iu for eachhenmputed m m 4."Sui "t means a ci i proceeding in whichvl annual pol per is less than theicy iod damages becau se of loss of or damage toMinmuPreiuorim m m;Co Property to which this in surance ap-vered
plies are a "Sui "ludes:lleged.t incb.I you cancel th Insurance after i hasf is t
taken e fecft.a.An arbitrat proceeding in which suchion
damages are clai and to which youmed 10.Reports, Premium And Report g Provi-in
must submi or submi with our consent;t, t sions
andThe fol appl only i Report is indi-lowing ies f ing
b.Any other alternat v d resolutionie ispute cated in laratthe Dec ions.
proceeding in which such damages area.Reports.W in 30 days after the end ofith clai ed and to which you sub t with ourmmieach reporting period, you must report to consent.us the amount o your Prem m Base forf iu
5."l"Termina means any portion o a pre isesf mthat period .
listed and described in the Declarat orions b.Prem m Co ion. We wil coiumputatl mpute Schedule where Co is vered Property located.the prem m using the rate and youriu
Prem m Base sho wn in the Declarationsiu
CM 01 11T2 09 © 2010 Th e Tr avelers Indemnity Company.All rights reserved.Page 5 o 5f
Includes copyrighted material of Insurance Services Offic e,Inc.with its permission.
COMM RCI L INLA D MA INEEANR
MISCEL A EOUS PROPERTY COVERA E FORMLNG
Va iou prov sion i this pol cy re tr i t cov rage. Read thrsisnisce e enti e pol cy ca e ul y t o d eterm ne ririrflights, du ie andts
wha i and i not ov red.t s s c e
Thro gh out th s poli y th e word "y u an "y ur"re e t o the Nuicso"d o f r am d In ur ed shown in the De laratesc ion . Th es
word "we ,"us"and "ou "re er o he om any rov ding hi i sus"r f t t C p p i t s n rance.
Ot e word an phras e that appe ar i quotat on ma k hav shrsdsnirsepecial mea ing.Re e to Se tion F –n f r c
DEF N TIO S.I I N
A.The Fire Pr ote tiv Sy tem Lim t OfcessiCOERAGEV
In uranc e shown in the D e la at on iscrissWewillpayfodiectphysicallossoodamgerrfrathemot we wil pay i any oneslntoCovred Property aused b y or e ultin fro aecrsgm o curr ence u nder thi Cov rag ecseCovred aus e o Lo s.e C f s Ex en ion.t s
1.Co ered P ope tyvrr b New y Acq ired Pro erty.l u p
Cov red Property,a used in t hi Cov rageesse Yo may ex end the in uranc e pr ov dedutsiFommaspropetyyoown, o property or,e n r u r f by thi Cov rag e F orm t o ap ly to di e tseprcotersin yo r ca e, custod y o c ont ol, that ishurrr phy ica lo s or dama e b y a Cov redslsgedecriedinthe e laratio s.s b D c n Ca se o L o s t o i em you a quireufstsc
du i g the pol cy perio t hat a e o th ernidrf2.P op rty No overe dretC
ty e al ead y cov red by thi Cov ragepreseCovred Prope t y oes no incl de:e r d t u Fo mr.a.Ai cra t.r f Cov rage und e thi Cov rage Ex ensionerset
b.Co tr aband,or prop e ty i th e course onrnf wil end when any o the f o lowin g fi stlflr
i le al t ansportatio o t ad e.l g r n r r o curs:c
(1)180 d ay ex i e a ter y u a qui e th esprfocrc.Liv animal .e s
prope ty;rd.Ve icle or ma hine thathscs
(2)Yo repo t h e roperty o us; orurtptarelcensed o use on publ c road .i f r i s
(3)The oli y ex ires or s canc el e .p c p i l d3.Co ered Causes O ossvfL
We wi l charge yo additio al premi m folunurCovred Cause o Lo s me n RISKS OFesfsas the newly acq ui ed prop erty fro th e datermDIRET P Y I AL LO S unle s the lo s i :C H S C S s s s o yo r a quisitionfuc .a.Ex luded i Sectio B –EXCLUSI NScnnO;The Newly Acquired Property Lim t OfiorInuranceshown in the D e la at on iscrissb.Ex luded o li i ed in the De la at on ocrmtcrisr the mo t we wil pay i any oneslnEdorsemns.n e t o curr ence under this Cov ragece
Ex ension .t4.Co erage xtensi nvEos
c.P eservation O P o ertyrfrpEah o the fo lowing Cov rage Ex en ionscflets
appl e unle siss Not Covered i indic a ed in th est If i i ne e s a y t o mov Cov redtscsree
De l ration .c a s Pro erty to pre erv i fr om the threat opsetf
i m nent loss o d am ge b y a Co v redmiraea.F re Protective ystemsiS Ca se o o s, we wi l pay fo :u f L s l rIfyoufie pr ote tiv eq uipme trrcen (1)The rea onable and n e e s aryscsdichageacidentalyotocontolasrsclrrepenseatualyicurredbyyou toxsclnCoered Caus e o L o s, we will pay fovfsr re ov th e Cov red Pr operty,m e eyur ex en se toop:tem or a ily st ore the Cov redpre(1)Re ha ge or re i l yo r fi e prote tivcrflurce Pro erty at an ot er lo at on anphcid
m v th e C ov red Pr operty back tooee
(2)Re la e or re air fa lty v lv s o the loc a ion fro whi h it wpcpuaertmcas mov de
cont ol that au e t e di charge.wit in a rea onab le tim a ter th erscsdhshsef
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self-propelled
systems; and
COMM RCI L INLA D MA INEEANR
th eat o imm nent lo s o dam ge t o Bu we wil not p ay forfisratlr lo s o o dam gesfra
the property by the Cov red Caus e oef to a coun s, bi l , d eed , ev denc e octlssisf
Lo s passe .Cov rage fo yousserr debt currenc y,mo ey,note o,n s r
i curred ex ense will end when anynps se ur i ie .c t s
o he o lowing fi st o curs:f t f l r c 5.Add t onal Co eragesiiv(a)90 day ex ire a te the prop e tyspfrr Ea h o the fo lowing Addi ional Cov rag ecfltesimvd;s o e appl e u nle siss Not Covered i indi a ed in th esct
(b)The pr op e ty is returned to th er De la ation .c r s
lo a ion rom whi h it was mo ed;c t f c v a.Cla m Data E penseixor(1)We wi l p ay t he rea onable ex ens elsps(c)The pol cy ex ire o isipsr y u in ur in pr eparin claim d ataocgcaneledcl.when we requi e i t o adju t arts
co ered lo s. T hi incl de th e co tvssussThe Pre erv tion Of Prop e tysar
o t aki g inv ntorie , ma ingfneskExense L im t Of Insu rance shown inpi apprai a s and prep arin oth eslgrtheDeclaraions is t he mo t we wiltsl do um n ation to sh ow the ex en ocetttfpay for the sum o a l such ex enseflps lo s.sthatyoicur due to the hreat o ossuntfl
or am ge rom any one odaf c (2)We wi l not p ay fo :l rcurrence.
(a)Any ex ense incurred , di ected,p s r(2)Any dire t p hy ica lo s o o dama ecslsfrg
or bi led by or p ayable t oltothe Cov red Prope ty while it iser
at o neys,insuranc e adju te s otrsrrbeng mo ed whi e tem o arilyiv,l p r
thei a so ia es or ubsi ia ie ;r s c t s d r sstoedat an o her lo atio o whilertcnr
be ng mo ed back to the lo atioivc n (b)Any c o ts a pr ov ded i th essin
fro whi h it was mo ed.m c v A prai al LOS CONDITI N ipsSOn
the COMM RCIAL INLANDEThemot we wi l pay in a y onesln M RI E CO DITI NS oANNO;rocurrencefodiect ph y i al loss ocrrscf
(c)Any ex ense incurred , di ected,p s ror dam ge to the C ov red Pr ope t y isaer
or bi led by or p ayable t oltheLimtOf Insuran e appl cab e t oicil
i suran e br okers o agent , oncrsrthemoepropertyAnypayentvd.m
thei a so iate o su bsi ia ie ,r s c s r d r sundethiCovrage Ex en ion f orsetsr wit out our written conse t priohnrsuch di e t phy i a lo s o dam gercsclsra to such ex ens e being incu red.p s riincluded within and wil notsl
i crea e such lim t The Claim Data E x ense Lim t Ofnsi.p i
In uran e shown in the De la at on isccrissdVaualePapers And eco ds.l b R r the mo t we wil pay i any oneslnWewilpayyur c o ts to re ear h,l o s s c o curr ence under t hi Add i io alcstnrelae o rest ore lo t or d am gedpcrsa Cov rage.e
v luable papers and re ord , includinacs g b Deb is emoval.r Rthoewhih ex st on ele tr oni osciccr (1)We wi l p ay yo r ex ense t o removlupemgetic me ia, f o whi h t here a e noandrcr
debri o Cov red Prop erty c ausesfedduplcate.Su h co ts m st re ul froiscsust m
by or r e ultin from a C ov red Caus esgediet ph y i al lo s o dam ge by arcscsra
o Lo s th a occurs du ri g th e p ol cyfstniCoered Cause o Lo s to yo r v luablevfsua
pe iodr.pap e s and re o ds di e tly rela ed to th ercrrct
Cov red Pr operty de crib ed in th ees The amo nt we will p ay i clud e th euns
De la ation .c r s i crea ed co ts you incur to div rtnsse
debri of Cov red Prop e ty t oserTheValuablePapersAnd Re o ds Lim tcri
re y l ng f a i i ie rat er thanccicltshOfInsuraceshown in the D e la ation isncrs
la df ll .Any inc om or rem nerationiseu nthemot we wil pay i any onesln
de iv d fr o thi re ycl n wil reduc eremsciglocurreneunder this Cov ragecce
the amo n t o debris rem v lufoaExenion.t s
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COMM RCI L INLA D MA INEEANR
ex ens e we would hav other wi epes (1)Assum d b y cont a t or ag ee entercrm
prio o oss o dama e; orrtlrgpad.i
(2)Re ui ed by ocal or inance.q r l dThe ex ense wil be paid only i theypslf
are rep o ted to us in wri ing wit irthn The Fi e or P ol ce Departme t S er v cerini180 day o the date o di e tsffrc Cha ge Lim t Of In uranc e shown i th erisnphyiaosordamae.s c l l s g De la ation is the m st we will pay icrson
Thi Add t onal Cov rage doe notsiies any one o currenc e un de thi Add i io alcrstn
apply to co ts to:s Cov rage.e
(a)Ex ra t "pol ut an s"from land o No ded ctible appl e to thi Addittcltruiss io aln
Cov rage.ewater;or
d Po l tant leanu An Remo al.l u C p d v(b)Re ov ,re tor e or repla emesc
po l ted la d or w ater.l u n We wi l pay your ex ense t o ex ra tlptc
"po l t an s"fro lan d o water i thelutmrf(2)The mo t we wi l pay in a y onesln
di cha g e,disp ersa ,seepage, m g at onsrliri,o currenc e u nder this A ddit onalci
re ea e or e cape o the "poll tants "ilssfusCovrage f o yo r ex ens e t oerup
caused by o re ult fr o any o th erssmfreovthe debri o Cov redmesfe
"spe i ie caus e o loss"whi h o curs t ocfdsfccProerty i 25% o :p s f
Cov red Prop erty d uring t he pol cyei(a)The am unt we pay f o t he di e torrc pe i odr.phy ica lo s o o dama e t oslsfrg
The ex enses wi l b e pai only if the y ar epldCovered Prope rty;plus
re orted t o us withi 180 d ay o th e datepnsf(b)The Deductib e in this Cov ragele on whi h the cov red "sp e if ed ca se oceciufFomapplcabletothat lo s orisr lo s"o cur .s c sdamae.g
Thi Addi i onal C ov rage d oe n ot ap lystespExepas prov ded i Pa agr aph (3)c t i n r to c o ts to te t for mo itor o a se s thess,n r s sbeow, pay e t und e t hi Add i ionallmnrst ex st ence conc ent ation or e fe ts oi,r f c fCovrageiicludedwihin and wilesntl "po l t an s".But we will pay fo testinglutrnoinreasethe appl cable Lim t Oftcii whi h is perfo me i the course ocrdnfInurance.s ex ra ting h e "pol utants "fro the lan otctlmdr(3)If :water.
(a)Yo r ex ense to rem v debrisupoe The ol u ant Clea up And Remov l im tPltnaLioCovred Prope ty ex ee s th efercd Of Insura ce sh own in the D e la ation isncrs25% lim ta ion in Pa agrap h (2)i t r the mo t we wi l pay under this Addi ionalsltabov;ore Cov rage fo the su m o al cov rederfle(b)The sum o th e amo nt we payfu ex en se ari ing out o al "spe if epssflcidfolosoodamge to Cov redrsfrae cause o lo s"o cur ing d urin eachsfscrgProerty and the ex ense f oppr sepa ate 12 mo t p e iod o this poli yrnhrfc,re ov l o i s deb i ex ee s t hemaftrscd beginni g with the e fe t v da e o th enfcietfapplcableLimt f nsuranc eiiOI;po i y.l c
we wil pay up t o the D ebri R em v llsoa e.Rew rd Co erageavInreaed Lim t Of In uranc e showncsis We wil reimb rse yo f o rewardluurihe De la at on .n t c r i s ex en se yo h av incurred lea ing o:p s u e d tc.F re O P lice Departmen Se viceirotr (1)The succ e sful ret rn o un dama edsufgChrgeastoenCovred Pr operty to a lawleWewilpayyor l abi i y fo fi e poli e oluiltrr,c r e fo cem n ag en y onretc;roter publi eme gency serv cehcri
(2)The a re t and conv ctio o anyrsinfdepatent cha g e when such publirmrs c
pe son who ha dama ed o st olenrsgremrgencyservceare ca led to s av oreisle
pro ect Cov red Pr operty fr om a Co v red any ov red Pr ope t yteeCer.
Ca se o Lo s.Such eme gency se v ceufsrri
dep a t ent harges m st b e:r m c u
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COMM RCI L INLA D MA INEEANR
We wi l pa y 25% o he c ov red lo s, priolftes r 2.We wil not pay fo a lo s o d am ge c auselrsrad
to the app l ca ion o any Ded uct ble an by or esul ing f o any oitfidrtrmf he fol o ing:t l w
re ov ry o undam ged stole Cov redcefane a.Co sequent al o sniLsProerty,up to t he Reward Cov ragepe (1)De a , lo s o use o lo s o m rke ;l y s f r s f a tLimt Of Insuranc e shown in t hei orDelaaions in an y one occurrenc e f ocrtr (2)Lo s o busine s inc om or ex rasfsetthereard p ay ents yo ma e.Th e ewmuks
e pen sex.rewa d p ay ents m st b e ocu m n ed.r m u d e t
b D sho est.i n yNoDeductibe ap plie to this Add i ionallst
Cov rage.e Di hon e t or cri inal a t b y you, a y ossmcnf
y ur part ers, me bers, of i e s,o n m f c rBEXLUIONS.C S
m nag ers, em loy es (incl din le a edapeugs1.We wil not pay fo a lo s o dam ge c auselrsrad em lo e e ), di ectors, tru tees,p y s r sdietlyor indire tly by any o the f ol owi g.r c c f l n au horized rep e en tativ s or anyo e t otrsenSuh lo s or dam ge is ex luded reg a dlesscsacr whom y u entru t the pr operty f o anyosroanyother ca se or ev nt th at cont ibutefuer s pu po e:r sconcurentlyoinanyseuenceto th e lo s orrqsr
(1)Act ng alone or i col usion witinlhdamae.Th e e ex lusions a ply wh et er ogscphr
ot ers; orhnothe loss ev nt result in wide preatessd
dam ge o a fe ts a ubstan ia a ea.a r f c s t l r (2)Wh ther or no o curri g during theetcn
hours o em lo ment.f p ya.Go ern en al Actiovmtn
Thi ex l sion d oe no ap ply to a t oscustcsfSezreodetructonopropertybyiursif
de tructio by your em loyees (i n l dingsnpcuoder o gov rn me tal authority.r f e n
lea ed employee ), but t hef bysstBuwe wi l pay f o loss o dam getlrra em loyee is not ov red.p s c ecaused by o re ult ng fro a ts orsimcf
Thi ex l sion does not apply t o c a riersscurdetructioodered by gov rnm n alsnreet
fo hi e.r rathoriyand taken at t he t i e o a fi e t outmfr
prev nt it spread if the fi e wou l beesrd c.Mis i g Pro ertysnp
cov red by thi Cov rage F o meser.Pro erty that i m ssing whe e the onlypsi,rbNcleaHzad.u r a r ev dence o t he los s o dam ge i aifras
sho tage d isclo ed on taki g in v nt ory,orsnerNucleareaction or radiatio , ornr
ot er instanc e where there is nohsraioativcontamnatio, howev rdceine
phy i a ev dence to show whatsclicaused.
happened to he pr opertyt.Bu if nuclea reaction or radiatio , otrnr
d Po l tion.l uraioativcontamnatonreultinfiedceiissr,
we wil ay fo the lo s or d am ge auselprsacd Di cha ge di pe sal m g atio ,s r ,s r ,i r n
by that fi e.r re e se o e c ape o "poll t ant "unles slarsfus
the discharge, di p ersa ,seepage,s lc.War and Mil tary Actioin
m gr a io ,relea e or e cap e i it elitnssssf(1)Wa ,in l di g unde la ed or civ lrcuncri caused b y an y o the "sp e if e c a se ofcidusfwar;lo s".s(2)Wa l ke actio by a m l tar y f o ceriniir,Bu i the discha ge disp ersa ,t f r ,licluding action i hindering onnr m grat on releas e or escap e oii,fdeedng ag ai st an a tual ofnincr "po l tant "re ul s in a y o the "spe if elusstnfcidexected atta k,by any go v rnme tpcen,cause o lo s ", we wil pay fo the lo s osfslrsrsovreign or ot er authority usingeh dama e c aused b y such "spe if egcidmltary er onnel o othe agent ; oriipsrrs cause o oss".s f l(3)In urre tio , rebellio ,rev lutio ,s c n n o n 3.We wi l not pay fo lo s o d am ge c aus ed bylrsrausurped power o a t on t aken byrci or re ult ng fr om a y o th e fo lo ing. Bu i asinflwtfngovrnmetalauhoriyin hinderinentt g ex luded c ause o lo s that i li ted belowcfsssor e ending ag ai st any o t esedfnfh.re ult i a Cov red Cause o Lo s, we wilssnefsl
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seepage,
seepage,
COMM RCI L INLA D MA INEEANR
D D DUCTI L.E B Epayforthelossor damage c aused by that
Co ered au e o Lo s.v C s f s We wil not pay f o o d am ge i any onelrran
o currenc e until the am unt o the adju ted losscofsa.Weather con it ondis.But thi e x l sionscu
or d am ge ex eeds th e appli able Dedu tibleaccconyappleifweatheconditionlisrs
shown in th e Declaration , Sch edule s),s (cont i ute in any way wit a cause orbhr Cov rage Form s) o Endo sem nt().We wile(r r e s levnt ex luded in B.1. abov to produc eece then pay th e am unt o th e adju ted lo s oofssrthe o s or dam ge.l s a dama e in ex e s o the Ded uct ble up to th egcsfi,b El ctrical Damag o Distu bance.e e r r appl cable Lim t Of I suran eiinc.
Art f cial y gene ated ele t ic a ,m g eticiilrcrlan The appli able Deducti le in th ecbor e e tr om gn e i e ergy that dama es,l c a t c n g De la ations appl e to th e C ov rage E x ensioncrisetsditurbsor ot er wi e nterfe e wi h any:s h s i r s t and Addit onal Cov rages un le s o herwi eiests
sta ed in th e Cov rag e Ex ension or Add i ionaltett(1)Ele tri a or ele t oni wi e, dev ce,c c l c r c r i
Cov rage.eapplace,or ne work;orint
Unle s othe wi e stated,if mo e than onesrsr(2)Dev ce appliance or networki,,D e uctible am unt appl e to lo s o d am ge idoissranutlzncelllaor satell teiiiguri any on e o cur en e, t he t otal o t he d edu tiblecrcfctehnoloy.c g am unts ap plie in t ha o currenc e will noodtctEletria,ma net c o ele trom gneticcclgirca ex eed the am unt o the la ge t ap pli a lecofrscbenergy i cludes :n De uctibled .
(a)Ele tri a urrent, n l ding a cing;c c l c i c u r E.ADD TIONAL OND T ONICIIS
(b)Ele tri a cha ge pr oduc e occlrdr The fo lowing condi ions apply i additio to th eltnn
con uct ed b y a magneti odcr COMM RCI L INLAND MA INE CONDI IO SEARTN
ele tr om gnetic ie d;c a f l and he COMM N PO I Y CO DITI NStOLCNO:
(c)Pu se o ele t oma net c ener gylfcrgi;1.Co ns ran eiuc
(d)Ele trom gneti wav s o If a Co n uranc e pe centage i shown icacerisrsn th e
m cro av s.De la ations, he fol owing ondi ion applie :i w e c r t l c t s
c.O her T pes O Lo ses a.t y f s We wi l n ot p ay t he full am un o anylotf
lo s o dam ge i t he v lue o Cov redsrafafe(1)We r and tea .a r Pro erty at t he t im o los s o dam gepefra(2)Me hani al breakdow n or fa l re,c c i u m lt p ied b y the Coi surance perc e t ageuilnnicluding rupture or b urstin c au engsd shown i th e D e l a ation i greater thanncrssbycenriual f r e.t f g o c the appl cab e Lim t Of I surance f o suchilinr
(3)De ay gradu al de eriorat on, hidden Cov red Prop e ty.c ,t i e r
or latent de e t o any qual ty ifcrin In tead, we will determ ne t he mo t wesispropetythacauseitodamae ortstgr wil ay using t e fo lo i g st ep :l p h l w n sdetroyitel.s s f Ste (1):p Mul i ly the v lue o Cov redtpafeC.L MIT F INSURANCEISO Pro erty at t he tim o lo s or dam ge bypefsa
The mo t we wil pay f o lo s o dam ge in any the Coin urancslrsras e p ercentage s h own in th e
one o cur en e i th e ap pli able Lim t Of De la ation .c r c s c i c r s
In u an e sh own in t he Decla ation ,s r c r s Ste (2):p Div de th e appli a le Lim t OficbiSchedue(s), Cov rage Form o End orseme t s).l e r n (In uranc e f o Cov red Pr operty by th esreBuin t he ev nt c ov rage f o lo s or dama e isteersg fi ure eterm ned in tep ().g d i S 1provded und er the Cov rage Ex ensions oietr Ste (3)p :Mult ply t he total am unt oiofAditonal C ov rage , t he Lim ts Of Insuranc ediesi cov red lo s or dama e, be o e th eesgfrstaed withi the spe if c C ov rage E x ension otncietr ap pl catio o a y d ed cti le, b y th einfnubAditonalCovrage wil apply as addi ionaldielt fi ure eterm ned in tep ().g d i S 2amunts o i n uranc e unle s ot er wi e st atedofs,s h s Ste (4):p Subt a t the applica lercbwitinthe C o erage E x ension or A d it onalhvtdi De uct ble fr om the fi ure de erm ned idigtinCovrage.e Step ().3
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loss
shown
system
system
COMM RCI L INLA D MA INEEANR
We wil pay the am unt determ ned i supporti g d o ume tation Any appli aloinncn.c ble
Step (4) o t he appli a le Lim t Ofrcbi po i y d e uctible m st b e sa i fielcdsutsd
In u an e, whi hev r i le s. F or t hesrccess be o e any artial pa y ents a e ma e.f r p m r d
re a n er, you wi l ei he hav t o rely onmidltre 4.Min m m Ea ned P emiumiurroter i surance or abs orb the losshn If a Min m m E a n ed P rem um is shown iiurinyursefol.the De laratio s, such prem um i the lea tcnissb.Co n uranc e does no apply o:i s t t am unt o prem um yo mu t pay when th eofius
a tual earned pr em um f o thi cov rage iscirse()1 Ad it onal ov rage ; ordiCes
le s than the Min m m Earned Pr e i msiumu.(2)Cov rage Ex ensions.e t
The Min m m E a n ed Prem um d oes notiuri2Coerage e ritory.v T r ap ply if we canc el cov rag e oth e th an aerta.We cov r prope ty wher ev r lo atederec y ur requ e t .o switi:h n 5.Rei statement O Lim t After Losnfis
(1)The Uni ed State o Ameri atsfc The Reinst atem nt Of Lim t Afte Lo s LOSeirsS(i cludi g it t erri orie andnnsts CONDITI N in the COMM RCIAL INLA DOENposesions);s s M RI E CONDITI NS i repla ed by th eANOsc
fo lowing:l(2)Pue to Ri o orc;r
Rei statement O Lim t After Losnfis(3)Ca ada.n
Wi h the ex ep tio o any appl cable an nualtcnfib.We a so cov r prope ty bei g ship ed bylernp aggreg ate Lim t Of Insur an e th e Lim t Ofic,iaiwitiand between points inrhn In uranc e wil not be r educ e by the paym ntsldePaaraph a. abov .r g e o any laimfc .3.L ss Paymenot 6.Va ua ionlt
The f o lowing is add ed to Lo s Pay entlsm The Va uat on GENERAL CONDITI N in th eliO
LO S CONDITI N i th e COMME CIASOnRL COMM RCI L IN LAND MARINEEA
I LA D MA INE CONDI IO S:N N R T N CONDI IO S s repla ed by he o lowi g:T N i c t f l n
a.In the ev n o loss o dama e c ov redetfrge Va ua ionlt
by t hi Cov rage Form at ou option wese,r In the ev nt o lo s o dam ge, we wilefsral
wil e ther:l i de er m ne the v lue o Cov red Prop e ty attiafer
the im o oss o da m ge a f l ows:t e f l r a s o l(1)Pay t he co t o reas onably re t orinsfsg
a.Su je t t o Par agraphs c. and d. below,b ctheproperty to its condit ion
the v lue o Cov red Property you ownafeimdatelybeoe oss o dam ge;m e i f r l r a
wil e the le st o the fo lowing:l b a f l(2)Pay th e v lue o the lo t or dama edafsg (1)The actual cash v lue o thatafpropety;orr prope ty.r(3)Take al or any pa t o the property atlrf Bu in th e ev nt o pa tia lo s otefrlsranagreed or appr ai ed v lue.s a dama e, n ot ex ee ing 20% o th egcdfWewildeermnethe v lue o lo t oltiafsr Lim t Of Insur ance appl cable to th eiidamaed pr operty,or the cost ogf Cov red Property,n o dep eciat oerin
re to i g such pr operty, in a co d an esrncrc wil be applie i th e se tle ent o theldntmf
wit the appl cable te m o the Va uatiohirsfl n cla m Th i prov sion only ap lie toi.s i p s
ADD TIO AL CONDI IO in thiINTN s prope ty that i les s than 10 years olrsd
Cov rage Fo m or an y appli a le at th e im o lo s o dam ge;e r c b t e f s r a
prov sion whi h ame ds o supe sedeicnrrs (2)The co t o rea onab ly re t o ing thatsfssr
such on it on.C d i prope ty t o it c ondi ion im ediatelyrstm
be o e o s or dam ge;orfrlsab.At ou opt o , we m y make a p art arinail
paym nt t oward any claim subje t to th ee,c (3)The co t o re la ing that prope tysfpcr
po i y pro v sions and our norm llcia wit substantia ly i en ti al prop e tyhldcr.
ad ustm n pro ess. T o be c onsi er ed f ojetcdr b.The v lue o Co v red Property owned byafeapartalclaimpayen, y u m st subm timtoui ot ers wi l be the am unt fo whi h yohlorcua partia sworn proof o lo s witlfsh
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COMM RCI L INLA D MA INEEANR
are l able not to ex eed the replaceme t a be to and lead prod ucti,c n s s s s o ma e ialrtr s
co t.s contain ng lea ).Wa te i cludes m teria s toidsnal
be rec y led, e on ditio ed or eclaim dcrcnre.c.Op io al Repla em nt o t alu a iontnceCsVt
Wh n ind i a ed by an 'e c t 2."Si kho e col apse"n l l m a s the su ddenenX'i t hen
De la a ions, th e va ue of Co v red si ki g o c ol a se ocrtlennrlpf land into un de gr oundr
Pro erty you own wil be deter m ned aplit em ty created b y the a tion o watepcfr
re la eme t co t a o the tim o lo s opcnssfefsr on lim stone or d olom teei.
dama e, ex ept a otherwis e prov ded igcsin Thi cause o lo s doe not i clude:s f s s nths Val atio ADDITIO AL CONDITI N.i u n N O
(a)The o t o f ll ncsfiigRelaemncot is th e c o t to rep la epcetssc
Cov red Prope ty at the ti e o lo s oermfsr (b)Si k ng or co lap e o land into man-n i l s fdamaewithoutdeductiofognrmde nd ergr ou d c av t e .a u n i i sdepreiation.c 3."Sp cified causes of losse"m a s th een(1)Yo ma m ke a claim f o lo s ouyarsr fo lowing:Fi e;li htni g; ex lo ion;wi dstormlrgnpsndamae c ov red b y thi in uran e ongessc or hail smoke (i clu ing t he em ssion or p uff;n d ianatualcah v lue basi i stead ocsasnf ba k o smoke soot fum s o v pors from acf,,e r aona rep la eme t c o t ba is. In th ecnss bo ler,fu na e or re a ed eq ipme t);a rcra tircltunifevnt yo ele t t o hav loss oeucer or v hi les; riot or iv l comm tio ; v nd ali meccionas;dam ge se tle on an actu a c a hatdls lea age fr om f i e ex ingui hing equipmen ;k r t s tvlue basis, you m y still ma e aaak "si khole col ap e ; v l ani a tion;f a l nnls"o c c c l i gclamon a rep acem nt co t ba is ifiless
ob ect a lim ted below; weigh o snow, i ejssitfcyunotiyusoyouintent to do s ooffr
or slee ;"wa er dam ge", al on y attallswitin 180 day a ter the loss ohsfr
ot er wi e in ured ag ain t in this Cov ragehsssedamae.g
Fo mr.(2)We wi l not pay on a replaceme tln
co t b a i f r any o s or d am ge:s s s o l s a Fa l n obje ts doe not incl d e lo s oligcsusr
da m ge to:a(a)Unt l t he lost or dama edig
prope ty i a tually repaired orscr a.Pe sonal property i t e op en; orrnhrelaed;andpc b.Pro erty insi e a build ng or stru tu e,p d i c r(b)Unle s the repair ossr un ess the roof o an ex erio wall o thelrtrfrelaeenae ma e a soonpcmtrds bu l ing o stru tur e is fi st dam ged by aidrcraareaonablyposible a ter t hesssf fa l n obje t.l i g closodamge.s r a 4."Wat r da age"e m m a s:e nIntead, we wil pay on an actualsl
ca h v lue ba i . T hi re tri tionsassssc a.Acci ental di cha ge or leakage o waterdsrf
doe not apply t o lo se less thansss or steam a th e dire t re ult o thescsf
$50,00.0 breaki g apa t o cra ki g o a plum i g,n r r c n f b n
heating, a r co di ionin or other sy t emintgsd.Op io al Agreed Value al ationtnVu
or appl an e (oth e t han a sum sy t emicrpsWhn ind i a ed by an 'X'i t heectn i cluding i s related eq uipme t and p a ts)n t n rDelaaions, th e va ue of Co v redcrtle that i lo ated on the pr em se at whi hsciscProerty you own will be dete m ned apris the Cov re d Prop erty is lo ated anecdfolow:l s contains wa er or stea ; andtmThevlueoCovred Pr op e ty yo ownaferu b.Acci ental di cha ge or leakage o watedsrfrwilbe the Lim t Of In uranc e shown ilisn
a th e di e t re ul o the breaking ap artsrcstftheDeclaraion, Schedule(s) otsr
or cra kin o a water o s ewer pipe thatcgfrEdorsemn().n e t s
i lo a ed o f the premi e a whi h th esctfsstcFDFINTION.E I S Cov red Pr operty i lo ated,if theesc1."P l u an s"o l t t m ans an y solid liq ide,u ,breakage o cra king i caused by wearcsrgaeouor ther ma ir itant or co tam nan ,s s l r n i t and tear.Thi prov sion se v s a asiresnicluig smoke v por,soot fum s, a i s,n d n ,a ,e c d ex eption t o the wea and tear ex l sioncrcualkals, chem cal , wa te and any unh ea th uiisslfl 3..()in Se tion B –EXCLUSI NS.c 1 c Oor ha ard ous buil ing m te ial (incl dinzdarsug
CM 2 3 01 16T9 © 2016 The T aveler Indemnity Company.All rights rrseserved.Pa e 7 o 7gf
Includes copyrighted material of nsurance Services Of iceIf,Inc. with its permis ion.s
spaces
sinkholes; or
COMMERCIAL INLAND MARINE
POLICY NUMBER:GENERAL PURPOSE ENDORSEMENT
Page
QT-630-6J74997A-TIL-23
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
EARTH MOVEMENT COVERAGE CHANGES
THIS ENDORSEMENT MODIFIES INSURANCE PROVIDED UNDER THE FOLLOWING:
CARRIERS CARGO PAK
Terminal or Facility Location LIMITS
815 East Broadway, Bloomfield, $500,000
NM 87413
1355 Kern St, #B, Taft, CA 93268 Not Covered
80 Wellsona Rd, Paso Robles,CA Not Covered
93446
2383 S Highway 40, Heber City, $500,000
UT 84032
737 N Grayson Parkway, Blanding, $500,000
UT 84511
CM T8 00 1
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
FEDERAL TERRORISM RISK
INSURANCE ACT DISCLOSURE
This endorsement modifies insurance provided under the following:
COMMERCIAL INLAND MARINE COVERAGE PART
The federal Terrorism Risk Insurance Act of 2002 as
amended ("TRIA") establishes a program under which
the Federal Government may partially reimburse
"Insured Losses" (as defined in TRIA) caused by
"Acts Of Terrorism" (as defined in TRIA). "Act Of
Terrorism" is defined in Section 102(1) of TRIA to
mean any act that is certified by the Secretary of the
Treasury – in consultation with the Secretary of
Homeland Security and the Attorney General of the
United States – to be an act of terrorism; to be a
violent act or an act that is dangerous to human life,
property, or infrastructure; to have resulted in damage
within the United States, or outside the United States
in the case of certain air carriers or vessels or the
premises of a United States Mission; and to have
been committed by an individual or individuals as part
of an effort to coerce the civilian population of the
United States or to influence the policy or affect the
conduct of the United States Government by
coercion.
The Federal Government's share of compensation for
such Insured Losses is 80% of the amount of such
Insured Losses in excess of each Insurer's "Insurer
Deductible" (as defined in TRIA), subject to the
"Program Trigger" (as defined in TRIA).
In no event, however, will the Federal Government be
required to pay any portion of the amount of such
Insured Losses occurring in a calendar year that in
the aggregate exceeds $100 billion, nor will any
Insurer be required to pay any portion of such amount
provided that such Insurer has met its Insurer
Deductible. Therefore, if such Insured Losses
occurring in a calendar year exceed $100 billion in the
aggregate, the amount of any payments by the
Federal Government and any coverage provided by
this policy for losses caused by Acts Of Terrorism
may be reduced.
The charge for such Insured Losses under this
Coverage Part is included in the Coverage Part
premium. The charge for such Insured Losses that
has been included for this Coverage Part is indicated
below, and does not include any charge for the
portion of such Insured Losses covered by the
Federal Government under TRIA:
•1% of your total Commercial Inland Marine
Coverage Part premium.
COMMERCIAL INLAND MARINE
CM T3 98 01 21 © 2020 The Travelers Indemnity Company. All rights reserved.Page 1 of 1
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
COMM RCI L INLA D MA INEEANR
PO I Y UMBE :IS UE DATE:L C N R S
T IS ENDORSEMENT CHANGES T E POLICY. PL ASE READ IT CAREFULLY.H H E
CONTR ACT PENALTIES
Thi e dorseme t m d fie i suranc e prov ded und er he f l o ing :s n n o i s n i t o l w
CARRI RS CA GO PAKER
CARG ND LO I TICS PAKOAGS
SHI P RS CA GO PAKPER
The fol owing is ad ded t o Part 4.Add i io al Cov ra -The mo tltnegs we will pay in any one occurrenc e und er
e ,in Se tion A – COVE AGE:s c R th s A ddi ional Cov rage is the ap pl cable Lim t o In-i t e i i f
sura ce hown i th e Schedule elow fo :n s n b rCotract Penal iesnt
1.Unde cri ed c ont a ts not sp e i i al y l sted i th esbrccfclinWewilpay tho e s um yo be ome legally ob i atedlssuclg
SCHE ULE, regardle s o the numbe o suchDsfrftopayaContratPenaltefodiret p hy ical loss oscisrcsf
co tra ts i v lv d; orncnoeor dam ge t o Cov red Pr operty cau ed by or resul -a e s t
i g f o a Cov red C ause o Lo s.n r m e f s 2.De cri ed on ract().s b c t s
Co tr a t Penal ie me ns am unts whi h, und e th enctsaocr
te m o a writ en con ra t,yo a e r equi ed to pa y forsfttcurrr
fa l re o d el v r products o se v ce on t m .i u t i e r r i s i e
SCHEDU EL
L mi f I su anceitonr
1.Unde cri ed C ont a ts (not i ted below):$s b r c l s
2.De cri ed on tra t s):s b C c (
a.$
b $.
c.$
d $.
CM 5 8 02 14T3 Pa e 1 of 1g© 2014 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
COMM RCI L INLA D MA INEEANR
PO I Y UMBE :IS UE DATE:L C N R S
T IS ENDORSEMENT CHANGES T E POLICY. PL ASE READ IT CAREFULLY.H H E
EARTH MOVEMENT COVERAGE CHANGES
Thi e dorseme t m d fie i suranc e prov ded und er he f l o ing :s n n o i s n i t o l w
CARRI RS CA GO PAKER
CARG ND LO I TICS PAKOAGS
SHI P RS CA GO PAKPER
A.SCHEDU EL
Co ered P ope ty at he "Terminal or "Facili y"located Ea th Movemen L mi o In uravrrt"t :r t i t f s nce
1.$
2.$
3.$
4.$
Co ered P ope ty In O O A o ered o veyance $v r r r n C v C n :
Co ered Prop rty At Oth r L cation :$v e e o s
Ded ct bl :$u i e
B The f o lo ing i a ded to Sectio B –EXCLU-an e sh ow.l w s d n c n in th e Schedule ab ov .Thi li i isesmt
SI NS i clu ed wi hin, and doe no i creas e,the appl -O :n d t s t n i
cable Lim t o In uran e shown in th e Declaraifsc -Ea th Movemenrt tio s o el ewher e n he Cov rag e Fo m.n r s i t e rWewilnotpayfolosodamge c aused di e t-l r s r a r c We wi l not pay fo lo s or dama e in an y on e o -l r s g clyor i di e tly by Ea th Mov m nt.n r c r e e currenc e fo E a th Mov men unti the to alrretltSuh loss i ex l ded regardle s o an y oth ecscusfr am unt o adjusted lo s or dam ge e x eeds th eofsaccauseor ev nt t ha con ri ute concurr ent y o iettbslrn De uctib e shown i th e Sch edule abov .d l n eany eq enc e o the lo s or d am ge.s u t s a then p ay t he am unt o lo s o d ama e in ex essofsrgc
o the Dedu tible up t o the appl cable E artfcihHowevr, thi ex lu ion does not apply to fi e oescsrr
Mov m nt im t o I sur an eeeLifnc.col i ion,upse o ov rturn o a Cov red Con v y-l s t r e f e e
an e in o on whi h C ov red Property s lo ated.c r c e i c D Ea th Movemen in hi end o seme t me n :.r t t s r n a s
Thi ex lusion doe not apply to the ex en c ovscstt-1.Any ea th mov men , o he th an si khole co -r e t t r n lerage i prov ded under Pa agr aph C. o thi en-s i r f s la se,such a earthquake, mi e subsi denc epsn,do sem nt.r e la dslide or ea th inki g, ising or h if i g;n r s n r s t n
C.Ea th Mov m nt i added a a C ov red Cause oreessef 2.Vo cani eruption,ex losion or e f sion;l c p f uLosfoCovred Pr operty a de crib ed below, ifsress fro an y s our e al whet er natu ally o currinmc,l h r c gaLimtoInuraneis shown for such property inifsc or ue o ma -ma e or other a ti i ia auses.d t n d r f c l ctheSchedule abov o :e f r
Si k ole Col a se a used in t hi endors eme tnhlpssn1.Cov red Prope t y a a "T e m nal or "Fa il ty ;e r t r i "c i "m a s the s u dden sinking or c ol ap e o land intoenlsf2.Cov red Pr operty I n Or On A Cov red Con-e e und e grou nd em ty spa es created by t he actionrpcvyanceoe;r o water on lime tone or d olom te but does nofsit
m a t he c o t o fi l ng the sinkhole o th e sink-e n s f l i s r3.Covered Prope rt y At Other Loc atio ns.
i g o c o la se o land i to man ma e unde -n r l p f n -d rThe most we will pay in any on e o currenc e f ocr ground av tie .c i sEath Mov ment is the ap pl cable Lim t o Insur-r e i i f
CM 5 9 02 14T3 Pa e 1 of 1g
We will
© 2014 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
COMM RCI L INLA D MA INEEANR
PO I Y UMBE :IS UE DATE:L C N R S
T IS ENDORSEMENT CHANGES T E POLICY. PL ASE READ IT CAREFULLY.H H E
SPECIFIED COMMODITIES SUB-LI ITS OF INSURA CEMN
Thi e dorseme t m d fie cov rag e rov ded und e t e fo lo i g:s n n o i s e p i r h l w n
CARRI RS CA GO PAKER
CARG ND LO I TICS PAKOAGS
SHI P RS CA GO PAKPER
A.The o lo ing i ad ded to ECTIO –C , IMI S F INSURANCE:f l w s S N L T O
Unle s a lo er Lim t o nsuranc e appl e , th e m st we wil pay i anyswifIisoln o e o currenc e fo lo s o or dama e toncrsfg
the fol owing ty e o property while i or on a Cov red Conlpsfne v yance o a Other Lo at on i th e Lim tertcissi o In-f
suran e shown b elow when an 'X'is i di ated a appl cable to t hat prcncsi operty Thi Lim t of Insuranc e is inclu -.s i d
ed wi hin and does no incr ea e the appli a le Lim t o I nsurttscbif an e sh own i the D e la at on or el ewhere incncriss
the ov rage Fo mCer.
P op rty L mi f I su ancereitonr
a.Ci are te :$g t s
b Pha ma euti al an pre cri tion drugs:$.r c c s d s p
c.Ce lu ar tele hone , elev sions; v deo and di i al g amllpstiigte
equipm nt,in ludi g s o tware and d ata so nd sy temecnf;u s s
and audio eq ipme t;com uters , related equipmen ,u n p t
so twa e, m dia and data:$f r e
d Al o oli bev rage :$.c h c e s
e.Ot e , a de cribed below:$h r s s
CM 5 9 02 14T4 Pa e 1 of 1g© 2014 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
COMM RCI L INLA D MA INEEANR
T IS ENDORSEMENT CHANGES T E POLICY. PL ASE READ IT CAREFULLY.H H E
EARTHQUAKE EXCLUSION
Thi e d orseme t m d fie i suranc e prov ded und er he f l o ing :s n n o i s n i t o l w
M SCEL LA EO S PRO ERTY COVERAG F RMINUPEO
The f ol o ing Ex lusion i add ed to Se tion B – EX-Vo cani Actiolwcsclcn m a s dire t loss o d am ge re-e n c r a
CLUS O S, art 1:I N P sul ing fr o the eruption o a v l ano when th etmfoc
lo s o dam ge is c a sed by:s r a uEathqukera
(a)Ai borne v l ani bla t or a rbo ne shockroccsir(1)Any o the fol owing, al wh e her n atural y o cur-f l l t l c
ri g or u e o m n-ma e or oth e ar if cial caus e :wav s;n d t a d r t i s e
(a)Ea thqu ake meaning a sh ak ng or tr em linrib g (b)Ash, du t or pa ti ula e ma ter orsrctt;
o the earth s crust, ca sed by und e groundf'u r (c)Lav lo .a f wvlanior t e toni f o ce o b y breaking ooccccrsrr
Wi h re pe t to cov rage fo Vo cani Act on atscerlcisshitig o rock b eneath the surfa e o th efnfcf
se for h i (a , (b) and (c) ab ov , v l an i e up-t t n )e o c c rground.
tio s that o cur wit in any 168-hour period willnch(b)Vo cani e uption me ni g the e uption exlcr,a n r ,-
consti ute a si gle o curr en e Vol ani Actiotncc.c c nploion or e f sion o a v l ano.s f u f o c
doe not include th e co t to rem v a h , dust ossoesr(2)If Ea thquake re ul s in fi e or ex lo ion, we wilrstrpsl pa ti ulate ma ter th at d oe n ot cause d i e trctsrcpayfothelossor d am ge caused b y that fi e orarr phy ical lo s o d am ge to th e de cribed proper-s s r a sexloion.p s ty.(3)If e up tio re ult in fire,bu i din glassrnsslg (4)breakage or V ol a ic Actio , we will pay f or th ecnn i .tlosodaage c aused b y th at fi e, build ng glasssrmri
breakage or ol ani A tio .V c c c n
CM 7 8 01 16T5 ©2016 The Travelers Indemnity Company.All rights reserved.Pa e 1 of 1g
Includes copyrighted material of nsurance Services Of iceIf,Inc. wit h its permis ion.s
This exclusion does not apply to property in trans-
volcanic
COMM RCI L INLA D MA INEEANR
T IS ENDORSEMENT CHANGES T E POLICY. PL ASE READ IT CAREFULLY.H H E
FLO OD EXCLUSI NO
Thi e d orseme t m d fie i suranc e prov ded und er he f l o ing :s n n o i s n i t o l w
M SCEL LA EO S PRO ERTY COVERAG F RMINUPEO
The f ol o ing Ex lusion i add ed to Se tion B – EX-graph (a) orlwcscs (b) abo v or in Par agraphs (d)e
CLUS O S, art 1:or e) elow.I N P (b
(d)Wa e und e the ground surfa e pressing ontrrc,Flood
or lowing or ee ing hrou h:f s p t g(1)Any o the fol owing, al wh e her n atural y o cur-f l l t l c
(i)Fo n da ions, wal s, floo s or pav d sur-u t l r erig or u e o m n-ma e or oth e ar if cial caus e :n d t a d r t i s
fa e ;c s(a)F oo , surfa e water,wav s (incl ding ti alldceud
(i )i Ba em n s, wh et er p av d or not;orsethewavand ts unam ),tides, tidal wate , ov r-e i r e
fl w o any body o water,or spray from anyoff (i ii)Doo s, wind ows o othe opening ;orrrrs
o th e e,al wheth e driv n by wind (incl dingfslreu (e)Wa e bor n e ma e ial ca ried or o her wi etrtrrtsstomsurge) or not;r m v d by any o th e water referred t o in P a -o e f r
ag aphs (a , (c) and (d) abov ,or ma erialr)e t(b)M dsl de o m df ow;u i r u l
ca ried o otherw is e mov d b y mu slide orredr(c)Wa e o sewage that ba ks up o ov rf owstrrcrel m dflo .u wor i o he wis e discha ged from a sewer,s t r r
(2)Bu if Floo , a de cri ed i (1)(a th ou gh (1)(etdssbn)r )drai , sum , su m p um or rela ed equip-n p p p t
abov ,re ults i fi e, ex lo ion or sprink er le ak-e s n r p s lmn.How ev r,this ex lusion doe n ot applyetecs age,we will pay fo t e lo s or d am ge aused byrhsactothe backup or ov rf ow o water or sewag eelf that fi e ex lo ion o sprinkler le kage.r ,p s r afrodrains withi a buil ing i the b a kup omndfcr
ov r lo i n ot o he wi e di ect y o ind i e tlyefwstrsrlrrc (3)Thi ex lu ion does no apply to property iscstn
tra sitn.caused b y the Flood E xclusions in P ara-
CM 7 3 01 16T6 ©2016 The Travelers Indemnity Company.All rights reserved.Pa e 1 of 1g
Includes copyrighted material of nsurance Services Of iceIf,Inc. with its permis ion.s
COMM RCI L INLA D MA INEEANR
PO I Y UMBE :IS UE DATE:L C N R S
T IS ENDORSEMENT CHANGES T E POLICY. PL ASE READ IT CAREFULLY.H H E
ADDITIONAL COVERAGES –INCREA EDS
LIMITS OF INSURANCE
Thi e dorseme t m d fie i suranc e prov ded und er he f l o ing :s n n o i s n i t o l w
CARRI RS CA GO PAKER
CARG ND LO I TICS PAKOAGS
Wh n i di ated by an 'X'i t e ox be ow, t e Lim t f nsurance sh o wn n e n c n h b l h i O I i th e ap li able C ov rage Form fopcer
the indi a ed Addi ional Cov rage i repla ed by he am un t sh own below.c t t e s c t o
Add t onal Co erage L mi O n uranceiivitfIs
Ca go andli g qu i me t:$r H n E p n
Ca go Ex ra Ex ens es:$r t p
De ri Rem v l $b s o a :
Po l tant leanup and em v l:$l u C R o a
Rewa d ov rage:$r C e
Unco le ti le Frei ht harge :$l c b g C s
CM U 33 09 175 ©2017 T e Travelers Indemnity Company.All rights rehserved.Pa e 1 o 1gf
Includes copyrighted material of nsurance Services Of iceIf,Inc. with its permis ion.s
QT-630-6J74997A-TIL-23 06-06-23
X 50,000
X 50,000
50,000X
50,000X
50,000X
50,000X
COMM RCI L INLA D MA INEEANR
T IS ENDORSEMENT CHANGES T E POLICY. PL ASE READ IT CAREFULLY.H H E
CONTR ACTUAL OBLIG A ION TO ANOTHER ENTITYT
Thi e dorseme t m d fie i suranc e prov ded und er he f l o ing :s n n o i s n i t o l w
CARRI RS CA GO PAKER
CARG ND LO I TICS PAKOAGS
The o lo ing Condi io i add ed o ectio E –AME DED ND ADDITIO AL CO DI IOflwtnstSnNANNTNS:
Co tractual O lig tio o An the En itynbanTort or o ganiza io a a los s pay e u nder thisrtnse
Cov rage Fo m such pers on o o gan zat on i aer,r r i i sa.Add t onal Insu ediir Lo s Payee,but only to t he ex ent o t hei intere tstfrs
If prio to a cov red loss you hav ag ee in areerd i o v red Pr opertynCe.
writ en c o tra t o agreemen to nam any persotncrten c.Defen e Co eragesvor or an i ation a an addi io al in ured und er t isgzstnsh
Cov rage Fo m such p erson o o g aniza io i a If prio to aer,r r t n s r cov red los s you hav ag ee in aeerd
Na e Insured, bu t o ly with re pe t to Cov red writ en c onmdnscettract o agr eem nt to de end anyref
Pro erty that the fi st Nam d In ur ed shown i pe son or o ganpresnrrizat on wi h re p e t t o lo s oitscsr
the De laratio s ha a cepted fo tr an portat o dama e t o Cov redcnscrsinge Property,we wi l de en suchlfd
or t o age f om such pe son or organiza ion.pe son or or ganizat on but onlysrrrtri wit re p e t t ohsc
Cov red Prop erty that th e fi st Name InsurederdbLss Payee.o ha a ce t ed fo trans po ta ion o sto age froscprrtrrm
If prio to a cov red loss you hav ag ee in areerd such erson or o g anizat o .p r i n
writ en c o tra t o agreemen to nam any persotncrten
CM U 37 09 175 ©2017 The T avelers Indemnit Company.All rightsry reserved.Pa e 1 o 1gf
Includes copyrighted material of Insurance Services Off ce,Inc. with its permission.i
COMM RCI L INLA D MA INEEANR
T IS ENDORSEMENT CHANGES T E POLICY. PL ASE READ IT CAREFULLY.H H E
DISHONEST A TS, INCLUDINGC
EMPLOYEES, EXCLUSION
Thi e dorseme t m d fie i suranc e prov ded und er he f l o ing :s n n o i s n i t o l w
CARRI RS CA GO PAKER
CARG ND LO I TICS PAKOAGS
Se tio B –EXCLUSI NS, P art 2.b.,i repla ed b ycnOsc (3)Anyo e el e with an inte est i the pr op e ty, onsrnrr
the o lo ing:thei em loyee o au horize rep e entativ s.f l w r p s r t d r s e
Di hon e t A ts com i ted by:s s c m t Thi ex lusion app ie wheth e or not such pers onssclsr
are a ting alone or in co l sion with ot er pe sons ocluhrr(1)Yo , any o your partn e s, em loyee , di e to s,u f r p s r c r
such a t o cur uring the hour o em loym nt.c s c d s f p etrstees, or au horized rep e en tativ s;u t r s e
(2)A ma ager o a me ber if you a e a lim ted Thi ex lu ion doe notnrmriscss apply t o y ur independ ento
l ab l ty com an y or cont a to s.i i i p ;r c r
CM U 36 09 175 ©2017 T e Travelers Indemnity Company.All rights rehserved.Pa e 1 o 1gf
Includes copyrighted material of nsurance Services Of iceIf,Inc. with its p ermis ion.s .
COMMERCIAL INLAND MARINE
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
UTAH CHANGES
This endorsement modifies insurance provided under the following:
COMMERCIAL INLAND MARINE COVERAGE PART
A.2.8.C. Duties 1.Paragraphs and of Loss Condition This Coverage Part;
In The Event Of Loss in the Commercial Inland 2.The Covered Property; orMarine Conditions are replaced with the follow-3.Your interest in the Covered Property,ing:
subject to the following provisions of Utah Code2.Give prompt notice of the loss or damage to Section 31A-21-105:us or our agent. Include a description of the
property involved.a.No statement, representation, or warranty
made by any person representing us inYou may fulfill this requirement by mailing the negotiation for an individual insur-the notice to us, postage prepaid, through ance contract affects our obligations un-first class mail deposited in a United States der this Coverage Part unless the state-Post Office.ment, representation, or warranty is8.Send us a signed, sworn proof of loss con-stated:taining the information we request to settle (1)In this Coverage Part; orthe claim. We will, on request, promptly fur-
nish you with any necessary forms and in-(2)In a written application signed by you.
structions.No person, except you or another person
You must send the proof of loss within 60 by your written consent, may alter the
days after our request. Failure to send the re-application, other than for administrative
quested proof of loss within 60 days does not purposes in a way which is clearly not as-
invalidate your claim, if you show that it was cribable to you.
not reasonably possible to do so and that you b.You, your assignee and the loss payee,submitted the proof of loss to us as soon as mortgagee or lienholder, if any, underreasonably possible.property insurance, may request, in writ-
You may fulfill this requirement by mailing ing, from us a copy of the application, if:
the notice to us, postage prepaid, through (1)This Coverage Part or a copy of thefirst class mail deposited in a United States application has not been received; orPost Office.(2)This Coverage Part has been rein-B.2.F. Other Insur-Paragraph of Loss Condition stated or renewed without the at-ance in the Commercial Inland Marine Conditions tachment of a copy of the originalis replaced by the following:application.
2.If there is other insurance covering the same If we do not deliver or mail a copy of theloss or damage, other than that described in application, within 30 days after receipt ofParagraphwe will pay only for the amount1.,the request by us or our agent, nothing inof covered loss or damage in excess of the the application affects our obligations un-amount due from that other insurance. But der this Coverage Part to the personwe will not pay more than the applicable Limit making the request.of Insurance.c.f.Except as provided in below, no mis-C.A. Concealment, Misrepre-General Condition representation or breach of an affirmativesentation Or Fraud in the Commercial Inland warranty affects our obligations underMarine Conditions is replaced by the following:this Coverage Part unless:
This Coverage Part may be voided in the event
of fraud or misrepresentation by you relating to:
CM 01 13 09 00 Copyright, Insurance Services Office, Inc., 1999 Page 1 of 2
COMMERCIAL INLAND MARINE
(1)We rely on it and it is either material and the insured may both agree to en-
or is made with intent to deceive; or dorse it to include specific exceptions or
modifications.(2)The fact misrepresented or falsely
warranted contributes to the loss.For purposes of this Paragraph we aref.,
to be considered as having acquiredd.No failure of a condition prior to the loss,knowledge only if the information allegedand no breach of a promissory warranty,to give rise to such knowledge was dis-affects our obligations under this Cover-closed to us or to our agent in connectionage Part unless it:with communications or investigations(1)Exists at the time of the loss; and associated with the Coverage Part under
which the subject claim arises.(2)Either:
g.No trivial or transitory:(a)Increases the risk at the time of
the loss; or (1)Breach of; or
(b)Contributes to the loss.(2)Noncompliance with;
However, this Paragraph does not ap-d.any of the above provisions is a basis forply to nonpayment of premium.avoiding this Coverage Part.
e.Nondisclosure of information not re-D.a.D.5. OtherParagraphof Additional Conditionquestedby us is not a defense to an ac-Insurance in the Mail Coverage Form is replacedtion against us. Failure to correct within a by the following:reasonable period of time any represen-With respect to loss or damage by theft on thetation that becomes incorrect because of part of employees of senders or addressees, wechanges in circumstances is misrepre-will pay only for the excess of the amount cov-sentation, not nondisclosure.ered by any other insurance or indemnity.f.If, after we issue this Coverage Part, we E.C. Legal Action Against UsGeneral Conditionacquire knowledge of sufficient facts to in the Commercial Inland Marine Conditions isconstitute a general defense to all claims replaced by the following:under this Coverage Part, the defense is
only available if, within 60 days after ac-No one may bring a legal action against us under
quiring such knowledge we notify the in-this Coverage Part unless the action is brought
sured of our intention to defend against a within 3 years after you first have knowledge of
claim if one should arise. However, in or-the direct loss or damage.
der to continue this Coverage Part, we
Page 2 of 2 Copyright, Insurance Services Office, Inc,, 1999 CM 01 13 09 00
INTERLINE
ENDORSEMENTS
INTERLINE
ENDORSEMENTS
POLICY NUMBER: ISSUE DATE:
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
ACTUAL CASH VALUE
This endorsement modifies insurance provided under the following:
COMMERCIAL PROPERTY COVERAGE PART
COMMERCIAL INLAND MARINE COVERAGE PART
DELUXE PROPERTY COVERAGE PART
EQUIPMENT BREAKDOWN COVERAGE PART
FARM COVERAGE PART
TRAVELERS PROPERTY COVERAGE PART
The following definition is added to any Definitions Section and applies to any provision that uses the term actual
cash value:
Actual cash value means the value of the covered property at the time of loss or damage.
When calculating actual cash value using the estimated cost to repair or replace such property, with a reasonable
deduction for depreciation that occurred before such loss or damage, we may apply depreciation to all
components of the estimated cost, including the following:
a.Materials;
b.Labor;
c.Overhead and profit; and
d.Any applicable tax.
The deduction for depreciation may include such considerations as:
a.Age;
b.Condition, such as wear and tear or deterioration;
c.Reduction in useful life; and
d.Obsolescence.
This definition does not apply to covered property in the following states:
IL T0 63 07 22 © 2022 The Travelers Indemnity Company. All rights reserved.Page 1 of 1
T IS ENDORSEMENT CHANGES T E POLICY. PL ASE READ IT CAREFULLY.H H E
A ENDMENT OF COMM N POLICY CONDITIONS –M O
PROHIBITED COVERA E – UNLICENSED INSURANCEG
AND TRADE OR ECONOMIC SA CT IONSN
Thi e dorseme t m d fie i suranc e prov ded und er he f l o ing :s n n o i s n i t o l w
AL COV RA ES NCLUDED IN HI PO IC YLEGITSL
The f o lowin g is add ed to the C om o Pol cy Condi-b The furlmni.ni hing o cert f ca es o ot er ev -s f i i t r h i
tio s:n denc e of in uranc e in a y countr y or juri dic-s n s
tio i whi h we ar e not li ens ed t o prov denncciPohbiedCoverage – Un icen ed I suranceritlsn
i suran e.n c1.Wi h re pe t t o loss susta ned by any insured , otscir P oh bi ed Cover age – Trade O Econ mic Sancritro-lo s to any pr operty,lo ated i a country or jur i -s c n s ti nsoditoniwhih we a e not li ense to prov decincrcdi
th s insuran e, thi i surance doe not apply t oicsns We wi l pr ov de c ov rage f o an y lo s,o o her wi eliersrtsthe ex ent that insurin such lo s wou l v ola etgsdit wil prov de any bene i ,only to the ex ent t hat prov d-l i f t t ithe laws or r egulation o such c ountry o j ri di -s f r u s c i g such c ov rage or bene i doe not ex ose us oneftsprtio.n any o ou a f l a ed or parent com an ie to:f r f i i t p s
2.We do not a s um espon ibil ty fo :s e r s i r 1.Any trade or e onom c s an tio under an y law ocicnra.The pay ent o an y fi e, fee,penal y o oth emfntrr re ula io o he United Sta es o me i a ogtnfttfArc;r
cha ge that may be im o ed on any persorpsn 2.Any other appli a le trade or e onomi sanctio ,c b c c nor organiza ion in an y c ountry o juri di tiotrscn prohi i ion or e tri tio .b t r s c nbeause we a e not li ense to prov de ins ur-c r c d i
an e in such ountry or ju i di tion; orccrsc
IL T 12 03 15 ©2014 The Travelers Indemnity Compa4ny.All rights reserved.Pa e 1 of 1g
The following is added to this policy. This provision
can limit coverage for any loss arising out of a
"certified act of terrorism" if such loss is otherwise
covered by this policy. This provision does not apply if
and to the extent that coverage for the loss is
excluded or limited by an exclusion or other coverage
limitation for losses arising out of "certified acts of
terrorism" in another endorsement to this policy.
If aggregate insured losses attributable to "certified
acts of terrorism" exceed $100 billion in a calendar
year and we have met our insurer deductible under
"TRIA", we will not be liable for the payment of any
portion of the amount of such losses that exceeds
$100 billion, and in such case, insured losses up to
that amount are subject to pro rata allocation in
accordance with procedures established by the
Secretary of the Treasury.
"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 pursuant to "TRIA". The criteria contained
in "TRIA" for a "certified act of terrorism" include the
following:
1.The act resulted in insured losses in excess of $5
million in the aggregate, attributable to all types of
insurance subject to "TRIA"; and
2.The act is a violent act or an act that is dangerous
to human life, property or infrastructure and is
committed by an individual or individuals as part
of an effort to coerce the civilian population of the
United States or to influence the policy or affect
the conduct of the United States Government by
coercion.
"TRIA" means the federal Terrorism Risk Insurance
Act of 2002 as amended.
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM
This endorsement modifies insurance provided under the following:
BOILER AND MACHINERY COVERAGE PART
COMMERCIAL GENERAL LIABILITY COVERAGE PART
COMMERCIAL INLAND MARINE COVERAGE PART
COMMERCIAL PROPERTY COVERAGE PART
CYBERFIRST ESSENTIALS GENERAL PROVISIONS FORM
CYBERFIRST GENERAL PROVISIONS FORM
DELUXE PROPERTY COVERAGE PART
EMPLOYEE BENEFITS LIABILITY COVERAGE PART
EMPLOYMENT-RELATED PRACTICES LIABILITY COVERAGE PART
EMPLOYMENT PRACTICES LIABILITY + WITH IDENTITY FRAUD EXPENSE REIMBURSEMENT
COVERAGE PART
ENVIRONMENTAL HAZARD POLICY
EQUIPMENT BREAKDOWN COVERAGE PART
EXCESS FOLLOW-FORM AND UMBRELLA LIABILITY INSURANCE
EXCESS (FOLLOWING FORM) LIABILITY INSURANCE
LAW ENFORCEMENT LIABILITY COVERAGE PART
LIQUOR LIABILITY COVERAGE PART
MANUFACTURERS ERRORS AND OMISSIONS LIABILITY COVERAGE PART
MEDFIRST PRODUCTS/COMPLETED OPERATIONS, ERRORS AND OMISSIONS, AND
INFORMATION SECURITY LIABILITY COVERAGE FORM
OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART
PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART
PUBLIC ENTITY MANAGEMENT LIABILITY COVERAGE PART
RAILROAD PROTECTIVE LIABILITY COVERAGE PART
SPECIAL PROTECTIVE AND HIGHWAY LIABILITY POLICY - NEW YORK DEPARTMENT OF
TRANSPORTATION
TRAVELERS PROPERTY COVERAGE PART
TRIBAL BUSINESS MANAGEMENT LIABILITY COVERAGE PART
Any other Coverage Part or Coverage Form included in this policy that is subject to the federal Terrorism
Risk Insurance Act of 2002 as amended
IL T4 14 01 21 © 2020 The Travelers Indemnity Company. All rights reserved.Page 1 of 1
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
ADDITIONAL BENEFITS
This endorsement modifies insurance provided under the following:
ALL COVERAGES INCLUDED IN THIS POLICY
The following Condition is added to each Common
Policy Conditions included in this policy:
Additional Benefits
1.We may offer or provide, or allow others to
provide, you or another insured under this policy
with goods and services, access to discounted
goods and services, other program benefits or
other items of value that could assist your
business with managing your risk, with servicing
your policy or with staying informed about loss
control and mitigation of risk.
2.These Additional Benefits may be provided in any
form. You or another insured under this policy
may be eligible to receive additional benefits. You
are under no obligation to pursue any of these
Additional Benefits.
3.While we may arrange for these Additional
Benefits, the other provider is liable to you or the
other insured for the provision of the goods and
services. We do not warrant the merchantability,
fitness or quality of any goods or services
provided or assume any additional obligation
related to any Additional Benefits provided.
4.We have the right to modify or discontinue any
Additional Benefits provided by us, or others
authorized by us, without notice to you or any
other insured.
IL T4 27 06 19 © 2019 The Travelers Indemnity Company. All rights reserved.Page 1 of 1
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
PROTECTION OF PROPERTY
This endorsement modifies insurance provided under the following:
COMMERCIAL PROPERTY COVERAGE PART
DELUXE PROPERTY COVERAGE PART
The insurance provided under this Coverage Part for
direct physical loss of or damage to Covered Property
at the described premises is extended to include the
following Additional Coverage:
Protection of Property
We will pay the necessary and reasonable expenses
actually incurred by you to temporarily safeguard
Covered Property at the described premises against
the threat of imminent covered direct physical loss or
damage by a "specified cause of loss", subject to the
following:
1.This Additional Coverage only applies to
expenses incurred within 72 hours before the time
the imminent "specified cause of loss" is
reasonably likely to begin to cause direct physical
loss or damage to the Covered Property.
2.This Additional Coverage does not apply to any
expenses:
(a)To which any Preservation of Property
coverage in this Coverage Part may apply; or
(b)For maintenance that reasonably should have
been performed in the absence of any threat
of imminent covered direct physical loss or
damage by a "specified cause of loss".
3.The most we will pay under this Additional
Coverage for all expenses arising out of all
threats of imminent direct physical loss or
damage by a "specified cause of loss" occurring
during each separate 12-month period of this
policy beginning with the effective date of this
policy is:
(a)$5,000 at each of the described premises;
and
(b)$10,000 for all described premises.
This is additional insurance.
If the "specified cause of loss" from which the
property is being safeguarded is subject to an
aggregate limit of insurance (meaning the limit of
insurance is the most we will pay for all loss or
damage arising out of all occurrences of such
"specified cause of loss" in any one annual period
of this policy), the Limit of Insurance that applies
to this Additional Coverage is not included in, and
does not reduce, the aggregate Limit of Insurance
that applies to such "specified cause of loss".
4.This Additional Coverage is subject to the
deductible that applies to loss or damage to the
Covered Property by the "specified cause of loss"
from which the property is being safeguarded.
In the event the "specified cause of loss" from
which the property is being safeguarded actually
causes covered direct physical loss or damage to
the Covered Property, the total of the deductible
amounts applied under this Additional Coverage
and under the coverage provided for such loss or
damage to the Covered Property will not exceed
the deductible that applies to the covered loss or
damage to the Covered Property by the "specified
cause of loss".
IL T4 40 10 20 © 2020 The Travelers Indemnity Company. All rights reserved.Page 1 of 1
IL T3 82 05 13 Page 1 of 1
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
EXCLUSION OF LOSS DUE TO VIRUS OR BACTERIA
© 2013 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
This endorsement modifies insurance provided under the following:
COMMERCIAL PROPERTY COVERAGE PART
COMMERCIAL INLAND MARINE COVERAGE PART
FARM COVERAGE PART
A.The exclusion set forth in Paragraph B. applies to
all coverage under all forms and endorsements
that comprise this Coverage Part or Policy, in-
cluding but not limited to forms or endorsements
that cover property damage to buildings or per-
sonal property and forms or endorsements that
cover business income, extra expense, rental
value or action of civil authority.
B.We will not pay for loss or damage caused by or
resulting from any virus, bacterium or other mi-
croorganism that induces or is capable of induc-
ing physical distress, illness or disease.
C.With respect to any loss or damage subject to the
exclusion in Paragraph B., such exclusion super-
sedes any exclusion relating to "pollutants".
D.The terms of the exclusion in Paragraph B., or the
inapplicability of this exclusion to a particular loss,
do not serve to create coverage for any loss that
would otherwise be excluded under this Coverage
Part or Policy.
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
DELUXE PROPERTY COVERAGE PART AMENDATORY ENDORSEMENT
CALIFORNIA CHANGES – REPLACEMENT COST
This endorsement modifies insurance provided under the following:
COMMERCIAL PROPERTY COVERAGE PART
DELUXE PROPERTY COVERAGE PART
A.An "open policy" is a policy under which the value
of Covered Property is not fixed at policy
inception, but is determined at the time of loss in
accordance with policy provisions on valuation.
The term "open policy" does not apply to Covered
Property that is subject to an Agreed Value
clause or similar clause that establishes an
agreed value prior to loss, unless such clause has
expired.
B.Under an "open policy", when the Replacement
Cost Optional Coverage (Replacement Cost) is
shown as applicable in the Declarations, that
Coverage is replaced by the following:
Replacement Cost
1.Replacement Cost (without deduction for
depreciation) replaces Actual Cash Value in
the Loss Condition, Valuation, of the
applicable Coverage Form.
2.This Optional Coverage does not apply to:
a.Personal property of others;
b.Contents of a residence;
c.Works of art, antiques or rare articles,
including etchings, pictures, statuary,
marbles, bronzes, porcelains and
bric-a-brac; or
d."Stock", unless the Including "Stock"
option is shown in the Declarations.
Under the terms of this Replacement Cost
Optional Coverage, tenants' improvements
and betterments are not considered to be the
personal property of others.
3.We will not pay on a replacement cost basis
for any loss or damage until the lost or
damaged property is actually repaired or
replaced. Prior to such repair or replacement,
and in accordance with the terms of the
applicable Loss Payment conditions in this
policy, we will pay the actual cash value of
the lost or damaged property as described in
Paragraph 4. below. If the actual cash value
does not exhaust the applicable Limit of
Insurance, we will then pay the difference
between the actual cash value and the
replacement cost, provided that the repair or
replacement is completed:
a.Within 12 months after our payment of
the actual cash value; or
b.Within 36 months after we pay the actual
cash value if the loss or damage relates
to a state of emergency under California
Law.
The following provision applies to real
property which is used predominantly for
residential purposes and consisting of not
more than four dwelling units, and to
coverage on tenants' household personal
property in a residential unit:
If you, acting in good faith and with
reasonable diligence, encounter a delay or
delays in approval for, or reconstruction of,
the residence that are beyond your control,
we shall provide one or more additional
extensions of six months for good cause.
Circumstances beyond your control include,
but are not limited to:
a.Unavoidable construction permit delays;
b.The lack of necessary construction
materials; or
c.The unavailability of contractors to
perform the necessary work.
The foregoing provisions do not constitute a
waiver of our right to deny the claim for any
valid reason or to restrict payment in cases of
suspected fraud.
4.Actual cash value is determined as follows:
a.In the event of a partial or total loss to a
building or structure, actual cash value is
IL F1 00 02 20 © 2020 The Travelers Indemnity Company. All rights reserved.Page 1 of 2
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
calculated as a.(1) or a.(2), whichever is
less:
(1)The amount it would cost to repair,
rebuild or replace the property less a
fair and reasonable deduction for
physical depreciation of the
components of the building or
structure that are normally subject to
repair or replacement during its
useful life. Physical depreciation is
based upon the condition of the
property at the time of the loss; or
(2)The Limit of Insurance applicable to
the property.
b.In the event of a partial or total loss to
Covered Property other than a building or
structure, actual cash value is calculated
as b.(1) or b.(2), whichever is less:
(1)The amount it would cost to repair or
replace the property less a fair and
reasonable deduction for physical
depreciation, based on the condition
of the property at the time of loss; or
(2)The Limit of Insurance applicable to
the property.
5.With respect to tenants' improvements and
betterments, the following also apply:
a.If the property is not repaired or replaced,
the value of tenants' improvements and
betterments will be determined as a
proportion of your original cost, as set
forth in the Valuation Condition of the
applicable Coverage Form.
b.We will not pay for loss or damage to
tenants' improvements and betterments if
others pay for repair or replacement.
6.We will not pay more for loss or damage on a
replacement cost basis than the least of a., b.
or c., subject to 7. below:
a.The Limit of Insurance applicable to the
lost or damaged property;
b.The cost to replace the lost or damaged
property with other property:
(1)Of comparable material and quality;
and
(2)Used for the same purpose; or
c.The amount actually spent that is
necessary to repair or replace the lost or
damaged property.
If a building is rebuilt at a new premises, the
cost described in 6.b. above is limited to the
cost which would have been incurred if the
building had been rebuilt at the original
premises.
7.The cost of repair or replacement does not
include the increased cost attributable to
enforcement of any ordinance or law
regulating the construction, use or repair of
any property.
C.Extension Of Replacement Cost To Personal
Property Of Others
1.Under an "open policy", when the
Replacement Cost Optional Coverage
(Replacement Cost) is shown as applicable in
the Declarations, then this Extension may
also be shown as applicable. If the
Declarations show this Extension as
applicable, then Paragraph B.2.a. of the
Replacement Cost Optional Coverage
(Replacement Cost) is deleted and all other
provisions of the Replacement Cost Optional
Coverage (Replacement Cost) apply to
replacement cost on personal property of
others.
2.With respect to replacement cost on the
personal property of others, the following
limitation applies:
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.
Page 2 of 2 © 2020 The Travelers Indemnity Company. All rights reserved.IL F1 00 02 20
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
CALIFORNIA CHANGES
This endorsement modifies insurance provided under the following:
COMMERCIAL INLAND MARINE COVERAGE PART
DELUXE PROPERTY COVERAGE PART
EQUIPMENT BREAKDOWN COVERAGE PART
FARM COVERAGE PART – FARM PROPERTY – OTHER FARM PROVISIONS FORM – ADDITIONAL
COVERAGES, CONDITIONS, DEFINITIONS
FARM COVERAGE PART – LIVESTOCK COVERAGE FORM
FARM COVERAGE PART – MOBILE AGRICULTURAL MACHINERY AND EQUIPMENT COVERAGE
FORM
STANDARD PROPERTY POLICY
A.The Concealment, Misrepresentation Or Fraud
Condition is replaced by the following with respect
to loss or damage caused by fire:
We do not provide coverage to the insured
("insured") who, whether before or after a loss,
has committed fraud or intentionally concealed or
misrepresented any material fact or circumstance
concerning:
1.This Coverage Part;
2.The Covered Property;
3.That insured's ("insured's") interest in the
Covered Property; or
4.A claim under this Coverage Part or
Coverage Form.
B.The Concealment, Misrepresentation Or Fraud
Condition is replaced by the following with respect
to loss or damage caused by a Covered Cause of
Loss other than fire:
This Coverage Part is void if any insured
("insured"), whether before or after a loss, has
committed fraud or intentionally concealed or
misrepresented any material fact or circumstance
concerning:
1.This Coverage Part;
2.The Covered Property;
3.An insured's ("insured's") interest in the
Covered Property; or
4.A claim under this Coverage Part or
Coverage Form.
C.Except as provided in D., the Appraisal Loss
Condition is replaced by the following:
If we and you disagree on the value of the
property or the actual cash value or the amount of
loss, either may make written request for an
appraisal of the loss. In this event, each party will
select a competent and impartial appraiser.
However, in the event of a government-declared
disaster, as defined in the Government Code,
appraisal may be requested by either you or us
but shall not be compelled. Each party shall notify
the other of the appraiser selected within 20 days
of the request. The two appraisers will select an
umpire. If they cannot agree within 15 days,
either may request that selection be made by a
judge of a court having jurisdiction. The
appraisers will state separately the value of the
property and actual cash value and amount of
loss. If they fail to agree, they will submit their
differences to the umpire. A decision agreed to by
any two will set the amount of actual cash value
and loss and will be binding. Each party will:
1.Pay its chosen appraiser; and
2.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.
D.The Appraisal Loss Condition in the Deluxe
Business Income (And Extra Expense) Coverage
Form and Deluxe Business Income (Without
Extra Expense) is replaced by the following:
If we and you disagree on the amount of Net
Income and operating expense or the amount of
loss, either may make written request for an
appraisal of the loss. If the request is accepted,
each party will select a competent and impartial
appraiser. Each party shall notify the other of the
appraiser selected within 20 days of the request.
The two appraisers will select an umpire. If they
cannot agree within 15 days, either may request
that selection be made by a judge of a court
IL F1 44 07 20 ©2020 The Travelers Indemnity Company. All rights reserved.Page 1 of 2
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
having jurisdiction. The appraisers will state
separately the amount of Net Income and
operating expense or 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.
Page 2 of 2 ©2020 The Travelers Indemnity Company. All rights reserved.IL F1 44 07 20
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
CALIFORNIA CHANGES – ACTUAL CASH VALUE
This endorsement modifies insurance provided under the following:
CAPITAL ASSETS PROGRAM (OUTPUT POLICY) COVERAGE PART
COMMERCIAL INLAND MARINE COVERAGE PART
COMMERCIAL PROPERTY COVERAGE PART
FARM COVERAGE PART
STANDARD PROPERTY POLICY
With respect to an "open policy", the following are
added to any provision which uses the term actual
cash value:
A.In the event of a partial or total loss to a building
or structure, actual cash value is calculated as
the lesser of the following:
1.The amount it would cost to repair, rebuild or
replace the property less a fair and
reasonable deduction for physical
depreciation of the components of the
building or structure that are normally subject
to repair or replacement during its useful life.
Physical depreciation is based upon the
condition of the property at the time of the
loss; or
2.The Limit of Insurance applicable to the
property.
B.In the event of a partial or total loss to Covered
Property other than a building or structure, actual
cash value is calculated as the lesser of the
following:
1.The amount it would cost to repair or replace
the property less a fair and reasonable
deduction for physical depreciation, based on
the condition of the property at the time of
loss; or
2.The Limit of Insurance applicable to the
property.
C.An "open policy" is a policy under which the value
of Covered Property is not fixed at policy
inception, but is determined at the time of loss in
accordance with policy provisions on valuation.
The term "open policy" does not apply to Covered
Property that is subject to an Agreed Value
clause or similar clause that establishes an
agreed value prior to loss, unless such clause has
expired.
IL 01 02 02 20 © Insurance Services Office, Inc.,2019 Page 1 of 1
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
CALIFORNIA CHANGES – ACTUAL CASH VALUE
This endorsement modifies insurance provided under the following:
COMMERCIAL INLAND MARINE COVERAGE PART
DELUXE PROPERTY COVERAGE PART
With respect to an "open policy", the following are
added to any provision which uses the term actual
cash value:
A.In the event of a partial or total loss to a building
or structure, actual cash value is calculated as
the lesser of the following:
1.The amount it would cost to repair, rebuild or
replace the property less a fair and
reasonable deduction for physical
depreciation of the components of the
building or structure that are normally subject
to repair or replacement during its useful life.
Physical depreciation is based upon the
condition of the property at the time of the
loss; or
2.The Limit of Insurance applicable to the
property.
B.In the event of a partial or total loss to Covered
Property other than a building or structure, actual
cash value is calculated as the lesser of the
following:
1.The amount it would cost to repair or replace
the property less a fair and reasonable
deduction for physical depreciation, based on
the condition of the property at the time of
loss; or
2.The Limit of Insurance applicable to the
property.
C.An "open policy" is a policy under which the value
of Covered Property is not fixed at policy
inception, but is determined at the time of loss in
accordance with policy provisions on valuation.
The term "open policy" does not apply to Covered
Property that is subject to an Agreed Value
clause or similar clause that establishes an
agreed value prior to loss, unless such clause has
expired.
IL F0 32 02 20 © 2020 The Travelers Indemnity Company. All rights reserved.Page 1 of 1
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
DUE TO DATES OR TIMES
This endorsement modifies insurance provided under the following:
BOILER AND MACHINERY COVERAGE PART
COMMERCIAL CRIME COVERAGE PART
COMMERCIAL INLAND MARINE COVERAGE PART
COMMERCIAL PROPERTY COVERAGE PART
A.We will not pay for loss ("loss") or damage replacement or supervision provided or done
caused directly or indirectly by any of the follow-by you or for you to determine, rectify or test
ing.Such loss ("loss") or d amage is excluded re-for, any potential or actual problems de-
gardless of any other cause or event that contrib-scribed in Paragraph A.1.of this endorse-
utes concurrently or in any sequence to the loss ment.
("loss") or damage.B.If an excluded Cau se of Loss as de scribed in1.The failure, malfunction or inadequacy of:Paragraph A.of this endorsement results:
a.Any of the following, whether belonging to 1.In a Covered Cause of Loss un der the Boilerany insured or to others:and Machinery Coverage Part, the Commer-
(1)Computer hardware, including micro-cial Crime Coverage Part or the Commercial
processors;Inland Marine Coverage Part; or
(2)Computer application software;2.Under the Commercial Property Coverage
Part:(3)Computer operating systems and re-
lated software;a.In a "Specified Cause of Loss", in eleva-
tor collision resulting from mechanical(4)Computer networks;
breakdo wn, or from theft (if insured) un-(5)Microprocessor s (computer chips) not der the Causes of Loss – Special Form;part of any computer system; or or(6)Any other computerized or electronic b.In a Covered Cause of Loss und er theequipment or components; or
Causes of Loss – Basic Form or theb.Any other products, and any services,Causes of Loss – Broad Form;data or functions that directly or indirectly
we will pay only for the loss ("los s") or damageuse or rely upon, in any manner, any of
the items listed in Paragraph A.1.a.of this caused by such "Specified Cause of Loss", ele va-
tor collision, theft, or a Covered Cause of Loss.endors ement;
due to the inability to correctly recognize, proc-C.We will not pay for repair, replacement or modifi-
ess, distinguish, interpret or accept one or more cation of any items in Paragraphs A.1.a.and
dates or times.An example is the inability of A.1.b.of this endor sement to correct any defi-
computer software to recognize the year 2000.ciencies or change any features.
2.Any advice, consultation, design, evaluation,
inspection, installation, maintenance, repair,
IL T3 55 05 13 © 2013 Th e Tr avelers Indem nity Company. All rights reserved.Page 1 of 1
Includes copyrighted material of Insurance Services Offic e, Inc. with its permission.
EXCLUSION OF CERTAIN COMPUTER-RELATED LOSSES
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
UTAH CHANGES – CANCELLATION
AND NONRENEWAL
This endorsement modifies insurance provided under the following:
COMMERCIAL AUTOMOBILE COVERAGE PART
COMMERCIAL GENERAL LIABILITY COVERAGE PART
COMMERCIAL INLAND MARINE COVERAGE PART
CRIME AND FIDELITY COVERAGE PART
DELUXE PROPERTY COVERAGE PART
EMPLOYMENT-RELATED PRACTICES LIABILITY COVERAGE PART
EQUIPMENT BREAKDOWN COVERAGE PART
LIQUOR LIABILITY COVERAGE PART
MEDICAL PROFESSIONAL LIABILITY COVERAGE PART
POLLUTION LIABILITY COVERAGE PART
PRODUCTS/COMPLETED OPERATIONS COVERAGE PART
IL T9 46 07 21 © 2021 The Travelers Indemnity Company. All rights reserved.Page 1 of 2
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
A.Paragraph A.2. of the CANCELLATION Common
Policy Condition – Deluxe is replaced by the
following:
2.We may cancel this policy:
a.By mailing or delivering written notice of
cancellation to:
(1)The first Named Insured;
(2)Each assignee of the first Named
Insured, if the assignee is named in
the policy; and
(3)Each loss payee of mortgagee or
lienholder under property insurance
of the first Named Insured, if the loss
payee, mortgagee, or lienholder is
named in the policy;
at least 10 days before the effective date
of cancellation if we cancel for
nonpayment of premium. Notice of
cancellation for nonpayment of premium
will be mailed or delivered to an agent of
record of the first Named Insured on or
before the day notice is provided to the
first Named Insured; or
b.By mailing or delivering to the first Named
Insured written notice of cancellation at
least 60 days before the effective date of
cancellation if we cancel for any other
reason.
B.The following is added to the CANCELLATION
Common Policy Condition – Deluxe:
7.If this policy has been in effect for 60 days or
more, or if this is a renewal of a policy we
issued, we may cancel this policy only for one
or more of the following reasons:
a.Nonpayment of premium;
b.Material misrepresentation;
c.Substantial change in the risk assumed
unless we should reasonably have
foreseen the change or contemplated the
risk when entering the contract; or
d.Substantial breaches of contractual
duties, conditions or warranties.
If we cancel for nonpayment of premium,
notice of cancellation must state the reason
for cancellation.
8.With respect to the Commercial Automobile
Coverage Part, the following applies in
addition to the provisions of Paragraph 7.
above:
We may cancel this policy if your driver's
license, or the driver's license of a person
who customarily drives a "covered auto", is
suspended or revoked.
9.Notice of cancellation must be delivered or
mailed by first-class mail.
Page 2 of 2 © 2021 The Travelers Indemnity Company. All rights reserved.IL T9 46 07 21
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
C.The following is added and supersedes any
provisions to the contrary:
NONRENEWAL
1.If we elect to not renew this policy, we will
mail, by first-class mail, written notice of
nonrenewal to the first Named Insured, at the
last mailing address known to us, at least 60
days before the expiration or anniversary
date of this policy.
2.We need not mail this notice if:
a.You have accepted replacement
coverage;
b.You have requested or agreed to
nonrenewal; or
c.This policy is expressly designated as
nonrenewable.
3.If notice is mailed, proof of mailing is
sufficient proof of notice.
POLICYHOLDER NOTICES
POLICYHOLDER NOTICES
IMPORTANT NOTICE – INDEPENDENT AGENT AND BROKER
COMPENSATION
NO COVERAGE IS PROVIDED BY THIS NOTICE. THIS NOTICE DOES NOT AMEND ANYPROVISION OF YOUR POLICY. YOU SHOULD REVIEW YOUR ENTIRE POLICYCAREFULLY FOR COMPLETE INFORMATION ON THE COVERAGES PROVIDED AND TODETERMINE YOUR RIGHTS AND DUTIES UNDER YOUR POLICY. PLEASE CONTACTYOUR AGENT OR BROKER IF YOU HAVE ANY QUESTIONS ABOUT THIS NOTICE ORITS CONTENTS. IF THERE IS ANY CONFLICT BETWEEN YOUR POLICY AND THISNOTICE, THE PROVISIONS OF YOUR POLICY PREVAIL.
For information about how Travelers compensates independent agents and brokers, please visit
www.travelers.com, call our toll-free telephone number 1-866-904-8348, or request a written copy from Marketing
at One Tower Square, 2GSA, Hartford, CT 06183.
PN T4 54 01 08 Page 1 of 1
POLICYHOLDER NOTICES
POLICYHOLDER NOTICES
Location Name Address Policy Number Jurisdictional Object
Number(s)
Jurisdictional Inspection Contact Name/Title Phone Email
Risk Control Survey Contact Name/Title Phone Email
If your inspection need is immediate, contact us at 1-800-425-4119 or [e-mail]. Please
be prepared to provide the:
•Policy number and name of business as shown on the policy
•Location where the equipment is located, including zip code
•Person to contact and phone number for scheduling of inspection
•Type of equipment requiring inspection
•Certificate inspection date and certificate number
Note the following:
•The jurisdiction in your area may require the owner/user pay a fee for renewing an operational certificate.
•All the provisions of the INSPECTIONS AND SURVEYS Condition in your policy apply to the inspections
described in this notice.
Reminder
If new equipment is installed or old equipment replaced that requires a jurisdictional inspection, please let us
know by calling our toll-free number listed above.
PN T1 89 02 23 Page 1 of 1
NOTICE TO POLICYHOLDERS
JURISDICTIONAL INSPECTIONS & CONTACT
INFORMATION REQUEST
Dear Policyholder;
Many states and some cities issue certificates permitting the continued operation of certain equipment such as
boilers, water heaters, pressure vessels, etc. Periodic inspections are normally required to renew these
certificates. In most jurisdictions, insurance company employees who have been licensed are authorized to
perform these inspections.
If you own or operate such equipment, we insure that equipment under this policy, and you would like Travelers
Risk Control to perform the next required inspection, please notify us using the instructions below. If you do not
own or operate this type of equipment, you may disregard this notice.
Please provide contact information for future Risk Control Surveys and Jurisdictional Inspection appointments.
Email the contact name, phone, email, physical address, and policy number (or multiple contacts' information if
there are separate personnel responsible for each) to [e-mail] using this document or your
own spreadsheet.
PN T0 53 12 13 Page 1 of 1
To Our Valued Customer,
Each year, homeowners and business owners across the nation sustain
significant weather-related property damage due to floods. These can
include losses caused by waves, tidal waters, the overflow of a body of
water, the rapid accumulation or runoff of surface water, and mudslide. In
nearly all cases, these flood losses cannot be prevented or even
anticipated. And, in many instances, the losses are devastating.
Most standard property insurance policies, including most of our policies,
do not provide coverage for flood losses. While flood coverage is often
available – primarily through the National Flood Insurance Program – it is
rarely purchased. Unfortunately, each year we find that some policyholders
are surprised and disappointed to learn that damages they have suffered
as a direct result of flood are not covered under the policies they have
purchased.
Please review your insurance coverage with your agent or Company
representative. As you consider the need for flood insurance, keep in mind
that floods can, and do, occur in locations all over the country. They are
not limited to coastal areas or locations with nearby rivers or streams.
Several inches of rain falling over a short period of time can cause flood
damage, even in normally dry areas that are not prone to flooding.
For further information about Flood Insurance, contact your agent or
company representative, or contact the National Flood Insurance Program
directly.