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Form 99-10-0822 (Ed. 1-06)
Fraud Warning � Oklahoma
to injure, defraud or deceive any
Oklahoma Important Notice � Fraud Warning
following statement is added
with intentany
Important Notice To Policyholder
false, incomplete or misleadingany
WARNING
is guilty of aan insurance policy, containing
insurer, makes
information,
:
knowingly, and
to the policy:
last page
claim for the proceeds offelony.
Page 1
Any person who
Important Notice
The
1Premium Bill 80-02-9020 (Ed. 4-94)
last page
Form Page
JANUARY 1, 2020 TO JANUARY 1, 2021
JANUARY 1, 2020
3605-43-62 LIO
TULSA COUNTY PUBLIC FACILITIES AUTHORITY
FEDERAL INSURANCE COMPANY
JANUARY 6, 2020
Customarq Classic Insurance Program Customarq Series
Name of Company
Effective Date
Policy Period
Policy Number
Premium Bill
Date Issued
Insured
$ 0.00 Portion of total premium attributable for terrorism and statutory standard fire where applicableis
PLEASE SEND PAYMENT TO AGENT OR BROKER.
JANUARY 1, 2020 $ 115,463.16 $ 37,879.76FEBRUARY 1, 2020 $ 37,879.76 $ 37,879.76
MARCH 1, 2020 APRIL 1, 2020
$ 37,879.76MAY 1, 2020 $ 37,879.76JUNE 1, 2020
JULY 1, 2020 $ 37,879.76AUGUST 1, 2020 $ 37,879.76
$ 37,879.76SEPTEMBER 1, 2020 OCTOBER 1, 2020 $ 37,879.76
Date Payment Due Premium
$ 456,381.00TOTALWHEN SENDING PAYMENT, PLEASE INDICATE POLICY NUMBER ON YOUR CHECK.
NOTE: PLEASE RETURN THIS BILL WITH PAYMENT AND INCLUDE ANY ADDITIONAL CHANGES.
HUB INTL MIDWEST LTD DBA HUB INTL MID-AMERICA 6100 S YALE STE 1900 TULSA, OK 74136-6257
Producer:
Form 99-10-0732 (Rev. 1-15) Important Notice
that
manner in which your
.
with
IMPORTANT NOTICE TO POLICYHOLDERS
scope of your insurance
TERRORISM RISK INSURANCE ACT
previously provided to you for further
pro rata allocation in accordance with procedures established by the Secretary of the Treasury.
If aggregate insured losses attributable to terrorist acts certified under the Terrorism Risk InsuranceAct exceed $100 billion in a calendar year, the Treasury shall not make any payment for any portion
Act exceed $100 billion in a calendar year and we have met our insurer deductible under theTerrorism Risk Insurance Act, we shall not be liable for the payment of any portion of the amount of
If aggregate insured losses attributable to terrorist acts certified under the Terrorism Risk Insurance
of the amount of such losses that exceeds $100 billion.
such losses that exceeds $100 billion, and in such case insured losses up to that amount are subject to
certain acts of terrorism (as defined in the Terrorism Risk Insurance Act) would be partiallyNotice to Policyholders indicating that the insurance provided in your policy for losses caused by
reimbursed by the United States of America, pursuant to the formula set forth in the Terrorism Risk
At the time you received the written offer for this policy, we provided you with an Important
Page 1
requirements
the
t
if your policy
to that Important Notice and
Insurance Act. In addition, as required by the Terrorism Risk Insurance Act, we:
about your
If:
Important Notice refers
policy and
policy
your policy to further
decision and
of
review your
back
the terms of your policy establishPlease
prohibited
Terrorism Risk Insurance Act.
Notice
provides information
Please
is a workers compensation policy, rejection of insurance for terrorism is legally
protection.remember
being provided
Important
subsequently modified.
last page
This
Important Notice is
that onlythe
has been
satisfy the disclosure
details.
note
he
:
the
This
insurance is legally prohibited
�
provided pursuant to that standard fire policy. Rejection of such statutory
�
Terrorism Risk Insurance Act, includes an amount attributable to the insurance
�
provides commercial property insurance in a jurisdiction that has a statutory
�
except to the extent prohibited by law, gave you the opportunity to reject such insurance and
�
have a terrorism exclusion, sublimit or other limitation included in your policy.
�
You rejected terrorism insurance under the Terrorism Risk Insurance Act, your policy
�
You did not reject terrorism insurance under the Terrorism Risk Insurance Act, the premium
carefully
.
to terrorism insurance under the Terrorism Risk Insurance Act.
standard fire policy, the premium we charge for terrorism insurance under the
limitation on terrorism insurance, it has been modified so that such limitation does not apply Terrorism Risk Insurance Act, is shown in your policy. To the extent your policy includes a charged for your policy, including that portion applicable to terrorism insurance under the
includes the appropriate amendatory endorsement(s).
specified the premium we would charge, if any, for providing such insurance; and
provide insurance for other types of losses; indicated that we would make available insurance for such losses in the same manner as we
Please
IMPORTANT NOTICE TO POLICYHOLDERS
last page
Form 99-10-0792 (Ed. 9-04) Important Notice Page 1
This Important Notice is not your policy. Please read your policy carefully to determineyour rights, duties, and what is and what is not covered. Only the provisions of yourpolicy determine the scope of your insurance protection.
THIS IMPORTANT NOTICE PROVIDES INFORMATION CONCERNING POSSIBLEIMPACT ON YOUR INSURANCE COVERAGE DUE TO COMPLIANCE WITHAPPLICABLE TRADE SANCTION LAWS.
PLEASE READ THIS NOTICE CAREFULLY.
Various trade or economic sanctions and other laws or regulations prohibit us from providinginsurance in certain circumstances. For example, the United States Treasury Department�s Officeof Foreign Asset Control (OFAC) administers and enforces economic and trade sanctions andplaces restrictions on transactions with foreign agents, front organizations, terrorists, terroristsorganizations, and narcotic traffickers. OFAC acts pursuant to Executive Orders of the Presidentof the United States and specific legislation, to impose controls on transactions and freeze foreignassets under United States jurisdiction. (To learn more about OFAC, please refer to the UnitedStates Treasury�s web site at http://www.treas.gov/ofac.)
To the extent that you or any other insured, or any person or entity claiming the benefits of thisinsurance has violated any applicable sanction laws, this insurance will not apply.
We have added a condition or section that applies to the entire policy called Compliance WithApplicable Trade Sanctions, which stipulates that your insurance policy does not apply to theextent that trade or economic sanctions or other laws or regulations prohibit us from providinginsurance.
Form 99-10-0872 (Ed. 6-07) Policyholder Notice
NOTICE
last page
producers on US insurance transactions is available under the Producer Compensation link located (�producers�). Detailed information regarding the types of compensation paid by Chubb to
All of the members of the Chubb Group of Insurance companies doing business in the United States (hereinafter �Chubb�) distribute their products through licensed insurance brokers and agents
at the bottom of the page at www.chubb.com, or by calling 1-866-588-9478. Additional information may be available from your producer.
Page 1
POLICYHOLDER
Thank you for choosing Chubb.
Customarq Series
Customarq Classic Insurance Program
FOR
TULSA COUNTY PUBLIC FACILITIES AUTHORITY
Producer:
HUB INTL MIDWEST LTD DBA HUB INTL MID-AMERICA6100 S YALE STE 1900TULSA, OK 74136-0000
Chubb Servicing Office:
TULSATWO WARREN PLACE6120 SOUTH YALE, SUITE 450TULSA, OK 74136-4222
Form 80-02-9000 (Ed. 4-94) Page 1 of 1
Customarq Series Customarq Classic Insurance Program
How To Report A Loss
To report a Loss, use the following procedure.
Loss Notification If an Insured Person has a Loss, please contact us by telephone as soon as possible for furtherassistance:
Telephone Number: 1-800-252-4670
24 hours a day, 7 days a week
Fax NumberYou may also fax the loss report during normal business hours to:
Fax Number: 1-800-300-2538
Mailing AddressYou may mail your loss report to the following address:
Chubb Group Of Insurance CompaniesClaim Service Center600 Independence ParkwayP.O. Box 4700Chesapeake, Va. 23327-4700
Form 80-02-9001 (Ed. 6-98) How To Report A Loss Page 1 of 1
EEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEE
* Note: Each contract within a section has its own Table Of Contents to facilitate your use of them.
Customarq SeriesCustomarq Classic Insurance Program
Table Of Contents
This Table Of Contents is provided to acquaint you with the overall organization of this policy.
POLICY ORGANIZATION
Insuring Agreement
Premium Summary
Property Insurance Section
Property Schedule Of Forms & Declarations
Property Contracts *
Property Endorsements
Common Policy Section
Common Policy Conditions
Common Policy Endorsements
last page
Form 80-02-9100 (Ed. 4-94) Table Of Contents Page 1
Customarq Series Customarq Classic Insurance Program
Important Notice
Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes anyclaims for the proceeds of an insurance policy containing any false, incomplete or misleadinginformation is guilty of a felony.
Oklahoma Mandatory last pageForm 80-10-9105 (Ed. 4-94) Important Notice Page 1
UVWX
80-02-9800 (Rev. 12-08) Insuring Agreement
Authorized Representative
Page 1 of 1
3605-43-62 LIO TULSA COUNTY PUBLIC FACILITIES AUTHORITY4145 EAST 21ST STREET JANUARY 1, 2020 TULSA, OK 74114
FEDERAL INSURANCE COMPANY
0030962-99999INDIANA
HUB INTL MIDWEST LTD DBA HUB INTL MID-AMERICA 6100 S YALE STE 1900 TULSA, OK 74136-0000
JANUARY 1, 2021 JANUARY 1, 2020
Company and Policy Period
terminates, effective with the inception of this any issued to you by us.
the company
with the Premium
has caused this to
This Insuring Agreement together
issuing this policy
Summary, Schedule D
policy shall not be valid unless also signed by a duly authorized representative of the company. authorized officers,
Your acceptance of this policy
To:
This policy is issued for the period 12:01 AM standard time at the Named Insured's mailing address shown above:
Insurance is issued by the company in consideration of payment of the required premium.
by its
policy of
From:
Whereof, this
Producer
Producer No.
Named Insured and Mailing Address
and Common Policy Conditions comprise this policy.
policy
Forms, eclarat Contracts, Endorsements
In Witness
Insuring AgreementChubb Group of Insurance Companies202B Hall's Mill Road
the same number
Effective Date
prior
but
Issued by the stock insurance companyindicated below, herein called the company.
Policy Number
ions,
Whitehouse Station, NJ 08889
Incorporated under the laws of
Of
policy,
be signed
PresidentSecretary
JANUARY 6, 2020 continued
180-02-9009 (Rev. 10-05)F rmo Premium
te:
mmary
Issue Da
Su Page
Customarq Series Customarq Classic Insurance Program
3605-43-62 LIO TULSA COUNTY PUBLIC FACILITIES AUTHORITY4145 EAST 21ST STREET JANUARY 1, 2020 TULSA, OK 74114
FEDERAL INSURANCE COMPANY
0030962-99999INDIANA
HUB INTL MIDWEST LTD DBA HUB INTL MID-AMERICA 6100 S YALE STE 1900 TULSA, OK 74136-0000
JANUARY 1, 2020 JANUARY 1, 2021
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PROPERTY INSURANCE SECTION $ 456,381
JANUARY 6, 2020 last page
280-02-9009 (Rev. 10-05)F rmo Premium
te:
mmary
Issue Da
Su Page
Premium Summary (continued)
$ 456,381TOTAL
Coverage Premium
If ATD coverage is provided on this policy, additional certificate and handling fees may be imposed during the policy term.
mandated by State and/or local jurisdictional authorities.Additional certificate and handling fees may be imposed as respects to certification of pressure equipment as
JANUARY 1, 2020 $ 115,463.16FEBRUARY 1, 2020 $ 37,879.76MARCH 1, 2020 $ 37,879.76APRIL 1, 2020 $ 37,879.76MAY 1, 2020 $ 37,879.76JUNE 1, 2020 $ 37,879.76JULY 1, 2020 $ 37,879.76AUGUST 1, 2020 $ 37,879.76SEPTEMBER 1, 2020 $ 37,879.76OCTOBER 1, 2020 $ 37,879.76
Payment PlanThis policy premium is being billed as follows. The amounts shown are due and payable as of the dates shown below:
Date Payment Due Amount Due
PROPERTY
DECLARATIONS
Property Insurance Section
Declarations
Form 80-02-0000 (Ed. 4-94) Declarations
Property Insurance
Schedule of Forms
Policy Period JANUARY 1, 2020 TO JANUARY 1, 2021
Effective Date JANUARY 1, 2020
Policy Number 3605-43-62 LIO
Insured TULSA COUNTY PUBLIC FACILITIES AUTHORITY
Name of Company FEDERAL INSURANCE COMPANY
Date Issued JANUARY 6, 2020
BBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBB
The following is a schedule of forms issued as of the date shown above:
Edition Effective DateForm Number Date Form Name Date Issued80-02-0315 1-15 SUPP DEC-IMPAIRMENT OF COMP SERVICES 01/01/20 01/06/2080-02-1361 3-19 ADDITIONAL PERIL COMB EQ/EQSL LMT/DED/WP 01/01/20 01/06/2080-02-1428 3-19 ADD'L PERIL-FLOOD LIMIT/DED OR WP PER OCC 01/01/20 01/06/2080-02-0005 1-18 PROPERTY DECLARATIONS 01/01/20 01/06/2080-02-0220 1-15 PROPERTY SUPPLEMENTARY DECLARATIONS 01/01/20 01/06/2080-02-0225 7-03 PROPERTY SUPPLEMENTARY DEC.-BUSINESS INCOME 01/01/20 01/06/2080-02-1000 3-19 BUILDING AND PERSONAL PROPERTY 01/01/20 01/06/2080-02-1004 3-19 BUSINESS INCOME WITH EXTRA EXPENSE 01/01/20 01/06/2080-02-1018 7-03 EXTRA EXPENSE 01/01/20 01/06/2080-02-1095 7-03 IMPAIRMENT OF COMPUTER SERVICES-MALICIOUS PGM 01/01/20 01/06/2080-02-1097 3-19 PROPERTY/BI CONDITIONS & DEFINITIONS 01/01/20 01/06/2080-02-1324 10-06 WINDSTORM / HAIL DEDUCTIBLE OR WAITING PERIOD 01/01/20 01/06/2080-02-1634 7-03 LIMITS OF INS. - LOSS LIMIT OF INS. 01/01/20 01/06/2080-02-1660 1-15 EXCL. OF CERTIFIED ACTS-INCL. ENSUING FIRE 01/01/20 01/06/2080-02-1781 5-15 OKLAHOMA MANDATORY - AMENDED CONDITIONS 01/01/20 01/06/2080-02-5355 1-15 SPECIAL WAITING PERIOD PROVISION ADDED 01/01/20 01/06/2080-02-5407 3-19 OCEAN CARGO COVERAGE ADDED 01/01/20 01/06/20
last page
Form 80-02-1999 (ED. 6-95) Schedule of Forms Page 1
Property Insurance JANUARY 6, 2020 continued
80-02-0005 (Rev. 1-18) Declarations 1F rm o
Issue Date:
Page
3605-43-62 LIO
TULSA COUNTY PUBLIC FACILITIES AUTHORITY4145 EAST 21ST STREET
JANUARY 1, 2020
TULSA, OK 74114
FEDERAL INSURANCE COMPANY
0030962-99999INDIANA
HUB INTL MIDWEST LTD DBA HUB INTL MID-AMERICA 6100 S YALE STE 1900 TULSA, OK 74136-0000
JANUARY 1, 2020 JANUARY 1, 2021 Policy Period:
d and Mamber
Named Insure
From:
Addres
Producer No.
12:01 A.M. standard time at the Named Insured's mailing address shown above.
Producer
iling s
Property Insurance
To
Effective Date
Declarations
:
Issued by the stock insurance company
Incorporated under the laws of
Policy Nu
Chubb Group of Insurance Companies
Whitehouse Station, NJ 08889
indicated below, herein called the company.
202B Hall's Mill Road
$ 10,000 24 HOURS UNLIMITED
specific premises or coverage.and all premises shown in this and all other property declarations, unless corresponding specific information is shown as applicable to a
The information shown above applies to:
Extended PeriodWaiting PeriodDeductible
� all additional coverages; and� debris removal coverage,
� all premises coverages;
$ 50,000,000
(REFER TO LOSS LIMIT OF INSURANCE ENDORSEMENT)
Loss Limit Of Insurance
1. 4145 E 21ST ST, TULSA, OK 74114
Premises Schedule
2. 4503 E 21ST ST, TULSA, OK 74114 3. 3901 E 21ST ST, TULSA, OK 74114 4. 1701 S LOUISVILLE AVE, TULSA, OK 74112 5. 4705A E 21ST ST, TULSA, OK 74114 6. 3902 E 15TH ST, TULSA, OK 74112
Property Insurance JANUARY 6, 2020 continued
80-02-0005 (Rev. 1-18) Declarations 2F rm o
Issue Date:
Page
Premises Schedule (continued)
7. 4609 E 21ST ST, TULSA, OK 74114 8. 1701 S LOUISVILLE AVE, TULSA, OK 74112 9. 4116 E 15TH ST, TULSA, OK 74112 10. 4004 E 15TH ST, TULSA, OK 74112 11. 4000 E 15TH ST, TULSA, OK 74112 12. 1947 S KNOXVILLE AVE, TULSA, OK 74112 13. 1914 S LOUISVILLE AVE, TULSA, OK 74112 14. 4017 E 21ST ST, TULSA, OK 74114 15. 4565 E 21ST ST, TULSA, OK 74114 16. 4149 E 21ST ST, TULSA, OK 74114
$ 7,386,6741. PERSONAL PROPERTY
Blanket Number and Coverages
Premises Coverages - Blanket LimitsLimits Of Insurance
FINE ARTS $ 15,000,0002. BUSINESS INCOME WITH EXTRA EXPENSE $ 50,000,0003. BUILDING
"Blanket" limit applies to other Premises Coverage at such premises.specific limit is shown under Limits Of Insurance for a Premises Coverage, that Limit applies to such coverage, even if adetermine the Limit Of Insurance applicable to such Premises. "Blanket" limits are numbered for ease of reference. If aplease refer to the "Premises Coverages � Blanket Limits" section or the "Loss Limits Of Insurance" section above toPremises Coverages If "Blanket" or "Loss Limit" is shown under Limits Of Insurance as applicable to a Premises,
1 4145 E 21ST ST BLDG # 1TULSA, OKLAHOMA 74114
EXPOSITION CENTER DESC:
#PREMISES
BLANKET 3BUILDING
Limits Of Insurance
BLANKET 1PERSONAL PROPERTY BLANKET 2BUSINESS INCOME WITH EXTRA EXPENSE BLANKET 1FINE ARTS
$ 1,000DEDUCTIBLE
1 4145 E 21ST ST BLDG # 2TULSA, OKLAHOMA 74114
41415C MUSTANG ARENA (NORTH ARENA) DESC:
#PREMISES
BLANKET 3BUILDING
Limits Of Insurance
BLANKET 2BUSINESS INCOME WITH EXTRA EXPENSE
Property Insurance JANUARY 6, 2020 continued
80-02-0005 (Rev. 1-18) Declarations 3F rm o
Issue Date:
Page
Premises Coverages (continued)
1 4145 E 21ST ST BLDG # 3TULSA, OKLAHOMA 74114
FORD TRUCK ARENA-4145A E 21ST ST. TULSA DESC:
#PREMISES
BLANKET 3BUILDING
Limits Of Insurance
BLANKET 2BUSINESS INCOME WITH EXTRA EXPENSE
1 4145 E 21ST ST BLDG # 4TULSA, OKLAHOMA 74114
EXPLORER BARN- 4145D 21ST ST DESC:
#PREMISES
BLANKET 3BUILDING
Limits Of Insurance
BLANKET 1PERSONAL PROPERTY BLANKET 2BUSINESS INCOME WITH EXTRA EXPENSE
1 4145 E 21ST ST BLDG # 5TULSA, OKLAHOMA 74114
EXPEDITION & OKLAHOMA FORD DEALERS BARN DESC:
#PREMISES
BLANKET 3BUILDING
Limits Of Insurance
BLANKET 1PERSONAL PROPERTY
1 4145 E 21ST ST BLDG # 6TULSA, OKLAHOMA 74114
F-150 BARN (BARN E) 4145F DESC:
#PREMISES
BLANKET 3BUILDING
Limits Of Insurance
BLANKET 1PERSONAL PROPERTY
1 4145 E 21ST ST BLDG # 7TULSA, OKLAHOMA 74114
SUPER DUTY BARN (BARN D) 4145 E DESC:
#PREMISES
BLANKET 3BUILDING
Limits Of Insurance
BLANKET 1PERSONAL PROPERTY
Property Insurance JANUARY 6, 2020 continued
80-02-0005 (Rev. 1-18) Declarations 4F rm o
Issue Date:
Page
Premises Coverages (continued)
Limits Of Insurance BLANKET 2BUSINESS INCOME WITH EXTRA EXPENSE
2 4503 E 21ST ST TULSA, OKLAHOMA 74114
CENTRAL PLANT DESC:
#PREMISES
BLANKET 3BUILDING
Limits Of Insurance
BLANKET 1PERSONAL PROPERTY BLANKET 2BUSINESS INCOME WITH EXTRA EXPENSE
3 3901 E 21ST ST TULSA, OKLAHOMA 74114
SAFETY & SECURITY DESC:
#PREMISES
BLANKET 3BUILDING
Limits Of Insurance
BLANKET 1PERSONAL PROPERTY BLANKET 2BUSINESS INCOME WITH EXTRA EXPENSE
4 1701 S LOUISVILLE AVE TULSA, OKLAHOMA 74112
PAVILION DESC:
#PREMISES
BLANKET 3BUILDING
Limits Of Insurance
BLANKET 1PERSONAL PROPERTY BLANKET 2BUSINESS INCOME WITH EXTRA EXPENSE
5 4705A E 21ST ST BLDG # 1TULSA, OKLAHOMA 74114
RACE TRACK SURFACE DESC:
#PREMISES
BLANKET 3BUILDING
Limits Of Insurance
BLANKET 2BUSINESS INCOME WITH EXTRA EXPENSE
5 4705A E 21ST ST BLDG # 2TULSA, OKLAHOMA 74114
TOTE BOARD - IN RACE AREA 4705C DESC:
#PREMISES
Property Insurance JANUARY 6, 2020 continued
80-02-0005 (Rev. 1-18) Declarations 5F rm o
Issue Date:
Page
Premises Coverages (continued)
BLANKET 3BUILDING
Limits Of Insurance
BLANKET 2BUSINESS INCOME WITH EXTRA EXPENSE
5 4705A E 21ST ST BLDG # 3TULSA, OKLAHOMA 74114
STEEL TRACK RAIL 4705C DESC:
#PREMISES
BLANKET 3BUILDING
Limits Of Insurance
BLANKET 2BUSINESS INCOME WITH EXTRA EXPENSE
5 4705A E 21ST ST BLDG # 4TULSA, OKLAHOMA 74114
CENTRAL PARK HALL 4705B DESC:
#PREMISES
BLANKET 3BUILDING
Limits Of Insurance
BLANKET 1PERSONAL PROPERTY BLANKET 2BUSINESS INCOME WITH EXTRA EXPENSE
5 4705A E 21ST ST BLDG # 5TULSA, OKLAHOMA 74114
SCOREBOARD DESC:
#PREMISES
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Form 80-02-1000 (Rev. 3-19) Contract
1
8
Limits Of Insurance
Page 1 of 29
Exclusions
Building And Personal Property
14
Debris Removal Coverage
Property Insurance
Loss Payment Basis Exceptions
26
AdditionalCoverages
Table Of Contents
Loss Payment Basis
26
Premises Coverages
1
7
Deductible
26
Deferred Payments
1
8
Building Extended Limit Of Insurance
26
Exhibition, Fair Or Trade Show
1
8
Mechanical Breakdown
25
Mobile Communication Property
13
Insects Or Animals
25Money And Securities Off Premises
14
Planning, Design, Materials Or Maintenance
24
Preparation Of Loss Fees
14
Settling
26Business Errors
11 Securities
23
Pair And Set
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15
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Finished Stock And Sold
23
Non-Owned Detached Trailers
1Ordinance Or Law Or Green Standards
23
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Errors In Systems Programming
27
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Historic Buildings
23
Disappearance
6 War And Military Action
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Forgery
15
Dishonesty
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Wear And Tear
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Personal Property Of Employees
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Extended Warranties
2
1
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6Automatic Increase In Limits
22
Accounts Receivable
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Flood
27
Burglary Damage To Building
6
Covered Property Not Owned By You
22
Leasehold Interest � Undamaged Tenant's
6
Replacement Cost Basis 21
Electronic Data Processing Property4
Brands And Labels
21
Loss Of Master Key
6
Deferred Payments
2
3
Loss Prevention Expenses
4
Actual Cash Value Basis
20
Fine Arts
6
Accounts Receivable
20
Money And Securities � On Premises
4
Electronic Data
20
Processing Water
7Our Loss Payment Options
19
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Construction Fees
19
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Public Safety Service Charges7
Gold, Gold Salts And
18
Valuable Papers
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Fine Arts
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Bookkeeping
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Money
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Any Other Location
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Research And Development Property
17
Outdoor Trees, Shrubs, Plants Or Lawns
8
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Fire To Property Of Others
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Form 80-02-1000 (Rev. 3-19)
(continued)
2
8
Page 2 of 29
Definitions
Contract
2
8
Loss Payment Limitations2
7
Conditions (Including Coverage Territory)
27
Table Of Contents
27
Stock In Process
2
7
Expenses 2
7
Tenant�s Improvements
28
Loss Of Market2
8
Kidnap/Ransom Or Extortion2
8
Electronic Data
29
Accounting
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Income, Interest Or Dividends
2
8
Payment Made By Others (Money And
2
9
Suspension, Lapse Or Cancellation
2
8
Undamaged Tenant�s Improvements
Prototypes
Books And Records
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Form 80-02-1000 (Rev. 3-19)
Conditions
applicable
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Page 3 of 29
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Page 4 of 29
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Page 5 of 29
Form 80-02-1000 (Rev. 3-19)
released
to
is
tank,
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Page 6 of 29
not
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from
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title
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newly
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Page 11 of 29
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Page 12 of 29
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Page 14 of 29
correcting
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Page 15 of 29
,
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Page 16 of 29
Inherent Vice/Latent
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or
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Page 17 of 29
,
from
apply
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environment,
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Page 18 of 29
(continued)
or
Pollutants or
Form 80-02-1000 (Rev. 3-19)Property Insurance
Contract
Pollutants
Design,
of
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Page 19 of 29
by
.
defending
covered.
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Page 20 of 29
which
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Form 80-02-1000 (Rev. 3-19)
use
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Page 21 of 29
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Page 22 of 29
amountamount
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Page 23 of 29
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Page 24 of 29
cash
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Page 25 of 29
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Page 26 of 29
as
payment,
duplicate source
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the buyer,
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Form 80-02-1000 (Rev. 3-19)
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Page 27 of 29
Books And Records or
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or
money
�
payment
tenant�s
or
portion
if
loss
cause or
raw
or damage
accounting,
preceding the
Undamaged
less.
is
not
lossany
loss
or
damage
.
materials and
Gold,
termination
concurrently to;
-
or tapes.
of
event that
which
t
property
media,
ofor damage
cost
improvements and
based
�
insurance
published
replaced,
betterments
cash
cannot be
subject
suffers
this
exceptions
The
is
damaged
of
improvements
tenant�s
tronic
records,
damagereplace undamaged
and
Metals
no
or
process
research
the
direct
or damage,
�
tenant�s
regardless
precious
�
the cost
improvements
development
�
in
unamortized
to
whichever
salts other
lease;
on
ensues from
he
damage.
all other
if
caused
24
on:
are
etbusiness
contamination, is
at
cost
timebetterments
valued onby
months
replacement,
re
for
undamaged
or
by or
from
place
from
for
the
malicious
the
Form 80-02-1000 (Rev. 3-19)
directly
any
make
to
vehicle company;
market,
ceases
(continued)
product
or
and
in
coverage
damage covered under this
as
Cancellation Of Any
an
to
Additional
a
or
or
Limitation
or
or
whether
Property Insurance
Fees
to
or
fees, costs
event would otherwise
by
from
Electronic Data
others.
not
the amount of any
by
by
threat to do:
Income, Interest Or
claim,
held
apply to
for:
provide
amount
Loss Of Market
or
does
money
you in
any such
d
Payment Made By
this contract
,
loss of
robbery of money
Others (Money And
dividends.
or
except
use
suspension,
other
Suspension, Lapse Or
product.
from kidnap/ransomKidnap/Ransom Ora
of
to
not
be
or
securities the
Dividends
Extortion
Prototypes
Loss Payment
License
Expenses
Limitations
Securities)
Contract
loss
deduct from
a
any
payment
any person
with
r
orWe
will not pay for
surrendered
damage that
Coverage
new
under
We
will
or damage,
not
have
or
loss
armored
ascaused
by you
When
cover from:
in
any
that
would
to,
or damage
loss
under
or
�
cancellation
to the
even if
lapse
This
Kidnap/Ransom
or defending
an
of income, interest or
�
e
re
the research
Of
any
existence
we
apply
results
the
or
or securities
harm
insurance does
result
Payment
or
;
damage
damage
you
insurance
does
not
by
Leasehold
contract
project
This
insurance
does
not
by
�
insurance
does
any
loss
product;
legal proceeding or
�
Preparation
results
sequence
associated
loss
expenses
This
in prosecuting
of
apply
to loss
cause
loss
causedor
any
prototype
premises
to any
property owned
loss
or resulting
�
damage
of
of
the
or
�
production
any
Loss
� insurance
carried
apply
armored vehicle company; and
resulting
pay:
the
This
insurance
carried
apply
or other
for
a
from
of
�
bodily to
Or Extortion Loss
esult
loss
incur
or
not
any
Th
proceeding
you
person;
begins,
�
the
Interestlicense.
other
�
in establishing
new
extortion payments
contributes
.
such
with
you
covered.
or delay.
insurance.
capacity.
Page 28 of 29
Form 80-02-1000 (Rev. 3-19)Property Insurance
Definitions
Loss Payment
(continued)Limitations
Coverage Territory)
Tenant�s Improvements
Conditions (Including
And Betterments
Contract
conditions applicable to this contract are contained in the
and
Building And Personal Property
in the
improvements
Income Conditions
We will not pay for that part of
in
this
policy.
containedThe definitions applicable to this contract are
tenant�s
Property/BusinessAnd Definitions form included
in
this
policy.And Definitions form included
any lost or damaged
The
is paid by others.which
Property/Business Income Conditions
betterments
Page 29 of 29
Form 80-02-1004 (Rev. 3-19)
Removal
Or Injury 13
Page 1 of 14
Additional Coverages
Limits
Property Insurance
Definitions
Fair
up
Due
Removal
Insurance
13
Limits Of Insurance
Fees
Strikers Or
14
Waiting Period
Or
Due
�
Show
Of
13
Loss Payment Limitations
Business Income With Extra Expense
Loss Payment Option
Death
10
Loss Determination
Removal
Table Of Contents
Premises Coverages
Limits
Expense
14
Conditions(Including Coverage Territory)
13
Ingress And
Penalties
Premises
14
Preparation
Business
Water
Contract
14
Pollutant
Clean
Loss
DelayStock
13
New
Other
Data
up
A
In
Extra
Used
14
AnyAuthority
Delay
Services
14Pollutant
Clean
up Or
To
14
Loss
Product
-
-
Continuance12
Resumption
Loss
And
To
10
Fungus Clean
Access
12
ProhibitionIncrease
Property
12
Loss
Operations
Premises
10
Nuclear Hazard
Indemnity
12
In
OthersOf
Loss
To
Finished
11
Business
Of
Of
-
To
11
Newly Acquired
To
4
Civil
Or
Utilities
Or4
Loss
Of
Limit
Utility
4
Prohibition
Location
3
AutomaticOf
Of
Systems
6
Business
Causing
Trade
3
Monthly
Damage
Generation
6
Contractual
Egress
9
Exhibition,
Water
Or
8
Dependent
Power
8
LossProvide
Access
5
Debris Removal
5
Electronic
Income
7
Alternative
Of
r
8
Incr
Or Damage
Increase
Damage
Extra
Or
IncomeAlternative
OOf
Expense
To
Transit
ease
W
M
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O
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CA
N
N
C
NC
N
A
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P
T
T
T
B
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SS
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I
I
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Form 80-02-1004 (Rev. 3-19) Contract Page 2 of 14
THIS PAGE INTENTIONALLY LEFT BLANK
Form 80-02-1004 (Rev. 3-19)
; and
dependent business premises
Business Income And
Premises Coverages
Extra Expense
,
,
Property Insurance
GenerationAlternative Power
Contract
for which a Limit Of Insurance for Business Income With Extra Expense is shown in the
during the
during the
loss you incur, if such coverage is provided:
; and
operations
physical loss or damage by a
, not to exceed the applicable Limit Of Insurance for
; and
Business Income With Extra Expense shown in the Declarations.
operations
Page 3 of 14
�
Declarations.
you incur due to the actual or potential impairment of your
.
A.
2.
period of restoration
bold
loss or
; and
, unless otherwise stated.
utilizes surplus power that you generate from
property
�
1. due to the actual impairment of your
extra expense
We will pay for the actual:
B.
occur at, or within 1,000 feet of, the premises, other than a
the Limit Of Insurance for Extra Expense shown in the Supplementary Declarations � Property does
This Premises Coverage applies only at those premises:
Except as otherwise provided, direct physical loss or damage must:
applicable to such coverages is shown in the Declarations.
Declarations of this policy. The words �we,� �us� and �our� refer to the company providingThroughout this contract, the words �you� and �your� refer to the Named Insured shown in the
premises in the Declarations, such limit reflects your total Limit Of Insurance at that premises and
Words and phrases that appear in
covered peril
must be caused by or result from direct
If a Limit Of Insurance for Business Income With Extra Expense is shown as applicable to a
Business Income With Extra Expense
; and
�
to purchase substitute power from a third party; and
the Property/Business Income Conditions And Definitions form included in this policy.
this insurance.
you incur, if such coverage is provided:
The following Premises Coverages apply only at those premises for which a Limit Of Insurance
�
shown in the Declarations.
operations
�
2. during the
loss you incur due to the actual impairment of your
�
1. due to the actual or potential impairment of your
not apply.
period of restoration
alternative power generating equipment
We will pay for the actual:
Contract
period of restoration
operations
This actual or potential impairment of
due to the loss of credits, reimbursements, rebates or other sums you receive from a third party that
business income
business income
to
be caused by or result from a
print have special meanings and are defined in
where you incur a
business income
extra expense
extra expense
covered peril
,
,
operations
Form 80-02-1004 (Rev. 3-19)
during the
.
is repaired(continued)
first appeared and will end:
fungus
GenerationAlternative Power
Alternative Water
Premises Coverages
, not
Property Insurance
at
Fungus Clean-up OrRemoval
Systems
Contractual Penalties
Contract
business income
operations
,
alternative power generating equipment
Page 4 of 14
to exceed the applicable Limit Of Insurance for Business Income With Extra Expense shown in
This Premises Coverage applies until the
you incur:
operations
is repaired or replaced and fully
�
covered peril
period of restoration
alternative water system
period of restoration
operational in accordance with the manufacturer�s specifications.
; and
.
� extra expense
loss; and
coverage ends,
fungus
Business Income With Extra Expense shown in the Declarations.
The actual or potential impairment of
must be caused by or result from the presence of
�
when your
property
covered peril alternative power generating equipment
This Alternative Water Systems Premises Coverage does not apply at any premises that supplies
�
45 consecutive days after this coverage begins; or �
to purchase substitute water from a third party.
your premises with utility services.
operations
We will pay for the actual
for Business Income With Extra Expense shown in the Declarations.The most we will pay for Alternative Power Generation loss is the applicable Limit Of Insurance
the Declarations.
business income
operations
This Premises Coverage applies until the
of a contract due to a material breach of that contract, not to exceed the applicable Limit OfInsurance for Contractual Penalties shown under Business Income in the Declarations.
physical loss or damage by a to
operations
your premises shown in the Declarations.
This material breach of contract must be the direct result of direct physical loss or damage by
The actual or potential impairment of
to an
must be caused by or result from direct
a
during the
,
extra expense
alternative water system
�
due to the actual or potential impairment of your
We will pay for the contractual penalties you are legally liable to pay under the written provisions
This actual impairment of
whichever occurs first.
or replaced and fully operational in accordance with the manufacturer�s specifications.
This Alternative Power Generation Premises Coverage does not apply at any premises thatsupplies your premises with utility services.
must be caused by or result from direct
you incur due to the actual impairment of your
�
to
physical loss or damage by a
The most we will pay for Alternative Water Systems loss is the applicable Limit Of Insurance for
We will pay for the actual:
Coverage will begin immediately after the date the
.
covered peril
Form 80-02-1004 (Rev. 3-19)
(continued)
Fungus Clean-up Or
,
Premises Coverages
Ingress And Egress
Property Insurance
Removal
New Product Delay
Contract
research and development operations
, if
to property, provided such property is within:
�
property
you incur due to the actual or potential impairment of your
fungus
coverage
extent attributable to the competitor's product.
loss within 24 months after the date of the direct
�
for the period equal to the length of time it originally took to restore such lost or damaged
�
only if you discover the
water flood flood
fungus
business income
; and
We will pay for the actual:
This Premises Coverage does not apply if the:
would be covered under this insurance;
�
physical loss or damage;
research and development operations
operations
Page 5 of 14
�
is not reported to us in writing as soon as possible after you first become aware, or in
when existing ingress to or egress from a premises shown in the Declarations is prevented due todirect physical loss or damage by a
or
loss you incur and discover after lost or damaged
your
is caused by or results from:
covered peril
The most we will pay for this Premises Coverage is the applicable Limit Of Insurance for Ingress
Such payment will be made:
covered peril
are restored, with reasonable speed to the condition that
We will pay for the actual
�
1.
directly related to your
; or
would have existed if no direct physical loss or damage occurred.
new or enhanced product, we will reduce the amount of such actual
business income
Business Income With Extra Expense
If a competitor introduces a similar product prior to the date you scheduled the introduction of your
�
2.
a peril that is not a
business income
property
moisture, other than
This Premises Coverage will begin at the time of direct physical loss or damage and will continue
from such premises, whichever is greater.
And Egress shown under Business Income in the Declarations.
:
is repaired or replaced and
�
existed prior to the effective date shown in the Declarations;
flood
loss to the
ends, whichever occurs first.
�
the exercise of reasonable care should have been aware, of the presence of
; or
until the expiration of 30 consecutive days thereafter or whenever your
operations
B.
is at premises shown under Excluded Premises in the Declarations.
; or C.
direct physical loss or damage is caused by or results from earthquake or
D.
only after the new product or the enhanced product is made available in the market-place; and
A.
ingress to or egress from your premises is prohibited by civil authority.
This Premises Coverage does not apply if the presence of
business income
business income
one mile; or
loss you incur due to the actual impairment of your
the applicable miles shown in the Declarations,
extra expense
with reasonable speed.
Form 80-02-1004 (Rev. 3-19)
, and must result in a delay in the introduction of any new product or
Civil Authority
Additional Coverages
Any Other Location
,
New Product Delay
,
Premises Coverages
Property Insurance
(continued)
Contract
business income
dependent business premises
dependent business premises
; and
from such premises or
loss you incur due to the actual impairment of your
operations
�
, provided such property is within:
;
to must be caused by or result from direct
covered
�
used by
.
you incur due to the actual or potential impairment of your
you incur
peril
used by utility companies to supply you with services;
loss or
operations
Page 6 of 14
damage to property away from such premises or such This prohibition of access by a civil authority must be the direct result of direct physical loss or
by a civil authority.
you incur due to the actual or potential impairment of your
by a
�
at a newly acquired premises;
operations
, whichever is greater.
operations
�
in transit
property
directly caused by the prohibition of access to:
property
�
at any exhibition, fair or trade show; or
at unspecified premises.
; and �
extra expense
loss must be caused by or result from direct physical loss or damage by a
We will pay for the actual:
We will pay for the actual:
The following Additional Coverages apply within the coverage territory.
operations
This Additional Coverage does not apply to
�
at a
period of restoration
,
business income extra expense
Income With Extra Expense shown in the Declarations.
caused by or resulting from loss or damage to property:
physical loss or damage by a
providers; �
business income
Business Income shown under Any Other Location in the Declarations.
�
extra expense
loss you incur due to the actual impairment of your
the enhancement of any existing product.
�
your premises; or
�
a
dependent business premises
Any Other Location in the Declarations.
The
one mile; or
covered peril
on-line access
, not to exceed the applicable Limit Of Insurance for
This Additional Coverage applies only if a Limit Of Insurance for Business Income is shown under
�
business income
during the
to
The most we will pay for New Product Delay is the applicable Limit Of Insurance for Business
This actual or potential impairment of
�
the applicable miles shown in the Declarations,
�
dependent business premises
covered peril
Form 80-02-1004 (Rev. 3-19)
flood
, not to exceed the applicable Limit Of Insurance for
; and
Dependent Business
business income
property personal property of a dependent
Civil Authority
Additional Coverages
Property Insurance
,
Premises
(continued)
Contract
whichever is later.
This Additional Coverage does not apply if the direct physical loss or damage is caused by or
business premises
at a
will begin:
operations
. or
extra expense .
you incur due to the actual or potential impairment of your
loss orsuch premises in the Declarations. Such higher limits apply to actual only by showingYou may purchase higher limits for specific
coverage ends,
business income
Page 7 of 14
business premises
will begin immediately after the time the civil authority prohibits access
We will pay for the actual:
physical loss or damage by a
flood
loss ends,
� business income
business income
to must be caused by or result from directThis actual or potential impairment of
dependent business premises
operations
Dependent Business Premises shown under Business Income in the Declarations.
operations�
�
period of restoration
.
during the
whenever your
results from earthquake or
The coverage for:
dependent business premises
Business Income With Extra Expense
The most we will pay for Civil Authority is the applicable Limit Of Insurance for Business IncomeWith Extra Expense shown in the Declarations.
A.
The coverage will apply for a period of:
This Additional Coverage does not apply if the direct physical loss or damage is caused byor results from earthquake or
.
B.
whichever is the longer.
2.
30 consecutive days after the coverage begins; or
dependent
The Waiting Period shown in the Declarations will begin immediately following the timethe civil authority prohibits access.
extra expense
loss you incur due to the actual impairment of your
�
after the applicable waiting period shown in the Declarations for Business Income
whichever occurs first; and
extra expense and will end:
1.
expires; or
2.
up to 30 consecutive days after coverage begins; or
1.
24 consecutive hours following the time the civil authority prohibits access,
business income
when your
only if the covered direct physical loss or damage occurs at such
covered peril
Form 80-02-1004 (Rev. 3-19)
Additional Coverages
Exhibition, Fair Or Trade
,
Property Insurance
to or
(continued)
,
In Transit
,
Show
Loss Of Utilities
Contract
caused by or resulting from loss or damage to any property while
extra expense
during the
;
or
loss you incur due to the actual impairment of your
operations
In Transit in the Declarations.
, not to exceed the applicable Limit Of Insurance for
; and
from, any exhibition, fair or trade show.
while
personal property
loss or
building
to or from any
�
exhibition, fair or trade show;
located either inside or outside of a
operations
:
�
if you have purchased separate ocean marine insurance which covers any property while
Exhibition, Fair Or Trade Show in the Declarations.
.
We will pay for the actual:
�
in transit
mobile communication property
�
personal property of a utility
operations
) or ,
at, or while
; or
; and
physical loss or damage by a
, not to exceed the applicable Limit Of Insurance for Loss
This actual or potential impairment of
to:
business income
electronic data processing
Business Income shown under Exhibition, Fair Or Trade Show in the Declarations.
; and
during the
; or
you incur due to the actual or potential impairment of your
in transit
�
building
you incur due to the actual or potential impairment of your
Page 8 of 14
property
(other than
you incur due to the actual or potential impairment of your
This Additional Coverage does not apply to any
must be caused by or result from direct
�
business income
physical loss or damage by a
, not to exceed the applicable Limit Of Insurance for
physical loss or damage by a operations This actual or potential impairment of
to
must be caused by or result from direct
�
extra expense
valuable papers to
must be caused by or result from direct
�
when you are acting as a carrier for hire;
This actual or potential impairment of
in transit
We will pay for the actual:
Business Income shown under In Transit in the Declarations.
,
in transit
Of Utilities shown under Business Income in the Declarations.
electronic data processing
�
extra expense
loss you incur due to the actual impairment of your
operations
during the
loss you incur due to the actual impairment of your
operations
�
extra expense
�
business income
property
fine arts
We will pay for the actual:
This Additional Coverage applies only if a Limit Of Insurance for Business Income is shown under
This Additional Coverage applies only if a Limit Of Insurance for Business Income is shown under
�
business income
caused by or resulting from loss or damage to shipments by mail, unless registered .
,
period of restoration
operations
period of restoration
personal property
operations
period of restoration
covered peril
covered peril
covered peril
fine arts
operations
Form 80-02-1004 (Rev. 3-19)
Loss Of Utilities
Additional Coverages
,
(continued)
Property Insurance
PremisesNewly Acquired
Contract
acquired premises and we add such premises to this policy;
operations
Page 9 of 14
�
you notify us of how you want Business Income With Extra Expense to apply to the newly
�
first 24 consecutive hours following the direct physical loss or damage expires,
; and
We will not pay for the actual
, not to exceed the applicable Limit Of Insurance for Business
�
applicable waiting period shown in the Declarations for Loss Of Utilities expires; or
�
service property
loss you incur due to the actual impairment of your
, necessary
�
water supply;
,
,
We will pay such loss provided that the disruption of services:
operations
whichever is the longer.
This Additional Coverage does not apply if the direct physical loss or damage is caused byor results from earthquake or
business income
must be caused by or result from direct physical
We will pay for the actual:
�
communication supply;
.
,
at each newly acquired premises. This Additional
�
power supply;
you incur due to the actual or potential impairment of your
during the
covered peril property
loss you incur until the:
This actual or potential impairment of
transmission or distribution equipment
loss or damage by a
premises to this policy.
Business Income With Extra Expense
We will charge you additional premium from the date you acquire the premises, if we add such
�
natural gas supply;
�
sewage treatment; or
flood
to operations
Coverage applies until the first of the following occurs:
Income shown in the Declarations under Newly Acquired Premises.
�
on-line access
�
is not due to your failure to comply with the terms and conditions of any contract; and
�
has been reported to the service provider.
�
applicable waiting period shown in the Declarations for Business Income expires;
�
this policy expires.
�
180 days pass from the date you acquire the premises; or
�
extra expense
services.
overhead communicationto supply your premises with:excluding
period of restoration
�
business income
Form 80-02-1004 (Rev. 3-19)
Prohibition Of Access
Preparation Of Loss
Property Insurance
(continued)
Pollutant Clean-up OrRemoval
Fees
Additional Coverages
Contract
to
weather conditions; or
loss ends,
operations
peril
2.
the geographic area where access is restricted is less than 5,000 square feet; or
damage to certify your
loss; and
, as a result of direct physical loss or damage by a
�
2.
direct physical loss or damage to property;
pollutants
Page 10 of 14
We will pay for the actual:
�
up to 30 consecutive days after the coverage begins; or
, not to exceed the applicable Limit
This Additional Coverage does not apply to any expenses you incur for any:
Of Insurance for Preparation Of Loss Fees shown under Business Income in the Declarations.
whichever occurs first.
business income
loss you incur due to the actual impairment of your
�
1.
earthquake or
operations
loss or
, directly caused by the prohibition of
�
3.
the prohibition of access only applies to such premises.
from land, water or air,
The coverage will apply for a period of:
We will pay the reasonable and necessary expenses and fees incurred following covered loss or
A.
1.
during the
flood
must be caused by or result from the enforcement of any
This prohibition of access must be the direct result of a peril (not otherwise excluded by
either inside or outside of a
; or
, not to exceed the applicable Limit Of Insurance
A.
has occurred at or within 1,000 feet of such premises; or
covered
B.
business income
business income
extra expense
This actual impairment of
the Building And Personal Property Contract included in this policy) that:
you incur due to the actual impairment of your
operations
business income
We will pay for the actual
access to a premises shown in the Declarations by a civil authority, subject to the applicable
The coverage will begin immediately following the time the civil authority prohibits access.
for Pollutant Clean-up Or Removal shown under Business Income in the Declarations.
ordinance or law that requires you to clean up or remove
�
is certain to occur imminently, provided:
This Additional Coverage does not apply:
�
when your
at the premises shown in the Declarations.
Limits Of Insurance for Prohibition Of Access.
if the prohibition of access is caused by or results from:
extra expense
period of restoration
insurance adjuster, consultant or attorney; or
of your subsidiaries or affiliates.
property
,
building
Form 80-02-1004 (Rev. 3-19)
loss, unless a Limit Of Insurance for Business Income is shown in the(continued)
Property Insurance
Automatic Increase In
Limits Of Insurance
,
Prohibition Of Access �
Prohibition Of Access
Additional Coverages
Limits
Limits Of Insurance
Contract
the Limit Of Insurance for Extra Expense shown in the Supplementary Declarations �� Property does not apply.
business income
occurrence
�
does not apply to any Limit Of Insurance applicable to more than one premises.
is the
Declarations:If a Limit Of Insurance for Business Income With Extra Expense is shown under a premises in the
Business Income With Extra Expense
loss and
Page 11 of 14
amount of loss, not to exceed the applicable Limit Of Insurance shown in the Declarations.Except as provided under Prohibition Of Access, the most we will pay in any
extra expense
�
Declarations, regardless of the number of prohibitions of access.� the applicable Aggregate Limit Of Insurance for Prohibition Of Access shown in the
� $100,000; or
policy period is the greater of:
B. to
contribute in any sequence to,
The most we will pay for all such loss or damage that occurs during each separate 12 month
� Declarations.
�
the applicable Each Occurrence Limit Of Insurance for Prohibition of Access shown in the
if such coverage is provided, not to exceed the greater of:regardless of the number of premises, is the amount of
The Limits Of Insurance for Business Income With Extra Expense will automatically increase bythe annual percentage shown in the Declarations under Automatic Increase In Limits. At the time
B.
$50,000; or
of loss or damage, the amount of increase will be determined by multiplying the applicable Limit
A.
Declarations applicable to the premises where prohibition of access occurred.
of access, directly resulting from:The most we will pay under the Prohibition Of Access Additional Coverage in any one prohibition
�
such prohibition of access,
This Automatic Increase In Limits:
rata basis.
contribute concurrently to; or
Of Insurance shown in the Declaration s by the percentage of the annual increase, applied on a pro
2.
1.
series of perils that:
a peril; or
in Limits is shown; andapplies only to a premises shown in the Declarations for which the Automatic Increase
such limit reflects your total Limit Of Insurance for such premises; and
business income
Form 80-02-1004 (Rev. 3-19)
operations
, if no physical loss or damage had occurred; and
loss
Continuance Of
operations
merchandise
occurrence
operations
Resumption Or
Extra Expense
Business Income
Loss Determination
Waiting Period
Property Insurance
Operations
Contract
your continuing operating expenses, including your continuing normal payroll expenses,
�
necessary to resume
�
direct physical loss or damage.
extra expense
loss payment to the extent you can resumeor continue your
period of restoration
are resumed; and
We will reduce the amount of any
loss that otherwise would have been incurred.
Page 12 of 14
�
customers or on other businesses; and
.
The amount of
operations
loss will be determined based on necessary expenses that:
period�
of business due to favorable business conditions caused by the impact of the covered loss on
We will deduct from the total of such expenses:
�
business income
that is paid for by other insurance.
or
business income
� the likely net income of your business if no loss or damage occurred, but not including any
�
exceed your normal operating expenses that would have been incurred by
.
�
during the
business income
with the same quality of service that existed just before the
�
the salvage value that remains on any property bought for temporary use during the
The amount of
, once
Subject to the applicable Limit Of Insurance, we will pay the amount of
; or
, only the
�
net income of your business before the direct physical loss or damage occurred;
�
of restoration
that would likely have been earned as a result of an increase in the volume
�
budgeting and marketing records.
�
reduce the
of information, including:In making any loss determination under this coverage, we may utilize relevant sources
that is incurred after the waiting period shown in the Declarations for each
The waiting period does not apply to
Hours shown for the waiting period are consecutive hours.
largest single waiting period will apply, unless otherwise stated.
following the time of the covered direct physical loss or damage.
If two or more Business Income waiting periods apply to the same
stock
occurrence
�
any
extra expense
loss will be determined based on:
If a waiting period is shown in the Declarations, the waiting period begins immediately
your financial records and accounting procedures;
bills, invoices and other vouchers;
deeds, liens and contracts;
business income
status and feasibility reports; and
damaged or undamaged property, including
any other available premises.
extra expense
business income
, in whole or in part, by using:
Form 80-02-1004 (Rev. 3-19)
operations
operations
business income extra expense
Debris Removal
Loss Payment
Monthly Limit Of
Loss Payment Option
Continuance OfResumption Or
Loss Determination
.
Increase Of Loss Due To
Property Insurance
Limitations
Indemnity
(continued)Operations
Death Or Injury
Increase Of Loss Due ToStrikers Or Others
Electronic Data
Causing A Delay
Contract
have taken to resume or continue
extra expense
or
any loss determination for
business income
caused by or resulting from
Page 13 of 14
property or resuming your We will not pay for any increase of loss caused by or resulting from delay in repairing or replacing
injury, sickness, disease, death, emotional injury, emotional distress or humiliation of any person.We will not pay for any
the loss or damage, even if such other cause or event would otherwise be covered.
malicious
�
operations
regardless of any other cause or event that directly or indirectly:
�
we will not make any payment for
loss or
:
will be based on the length of time it would
programming
extra expense
business income with reasonable speed; and
from direct physical loss or damage to
you incur for the demolition or removal of debris, but we
We will not pay for any
business income
business income
period of restoration
loss, not
will pay for such loss that otherwise would have been payable under this contract.
We will not pay for any
Business Income With Extra Expense
caused by or resulting from any
Of Indemnity shown in the Declarations.
loss or
loss incurred in each period of 30
This Monthly Limit Of Indemnity applies only for
.
Income is shown in the Declarations:
, due to interference at the location of the repair, replacement
�
contributes concurrently to; or
electronic data
If you elect not to resume or continue
operations
unused portion may be applied to any subsequent 30 day periods.If all of the amount determined by this calculation is not used in the 30 day period, the
consecutive days after the beginning of the
extra expense
will be determined byThe most we will pay for the actual
extra expense
The following Loss Payment Option applies when a Monthly Limit of Indemnity under Business
�
contributes in any sequence to,
multiplying the Limit Of Insurance for Business Income With Extra Expense by the Monthly Limit
by strikers or other persons.
extra expense
business income
you incur to the extent it reduces the amount of a covered
you incur caused by or resulting
Form 80-02-1004 (Rev. 3-19)
Limitations(continued)
Property Insurance
Loss Payment
Finished Stock
Loss Or Damage To
Provide Utility Services
Nuclear Hazard
Pollutant Clean-up Or
Property Used To
Conditions (IncludingCoverage Territory)
Loss Or Damage To
Definitions
Removal
Water
Loss Or Damage To
Contract
way responding to or assessing the effects of
loss to
,
you incur for loss or damage to
We will not pay for that part of any
located either inside or outside of a
.
; or
Page 14 of 14
�
a
business income covered
or
;
; or
,
loss that otherwise would have been payable under this contract.
used by you or a utility to provide you with utility services.
We will not pay for any
extra expense
you incur to the extent it reduces the amount of a
�
clean up or removal of
caused by or resulting from fire which ensues from nuclear
�
testing for, monitoring, containing, treating, detoxifying or neutralizing, or in any
business income
business income
extra expense
building
Except as provided for in the Loss of Utilities Additional Coverage, we will not pay for any
water.
service property
extra expense
caused by or resulting from loss or damage to:
We will not pay for any
extra expense
from land, water or air, either inside or outside of
building personal property
business income
reaction or radiation, or radioactive contamination.
pollutants
you incur for loss or damage to
We will not pay for any
�
personal property of a utility
you incur for:
�
building
loss or
but we will pay for such
Conditions And Definitions form included in this policy.The definitions applicable to this contract are contained in the Property/Business Income
Conditions An d Definitions form included in this policy.The conditions applicable to this contract are contained in the Property/Business Income
building
business income
extra expense
pollutants
loss or
loss or
finished stock
Property Insurance
Extra Expense
Form 80-02-1018 (Rev. 7-03) Contract Page 1 of 7
Table Of ContentsSection Page No.
Premises Coverages 3
Additional Coverages 4
Limits Of Insurance 5
Loss Determination 5
Loss Payment Limitations 6
Conditions (Including Coverage Territory) 7
Definitions 7
EXTRA
EXPENSE
PROPERTY
CONTRACT
Form 80-02-1018 (Rev. 7-03) Contract Page 2 of 7
THIS PAGE INTENTIONALLY LEFT BLANK
Extra Expense
Contract
Property Insurance
Form 80-02-1018 (Rev. 7-03) Contract Page 3 of 7
Words and phrases that appear in bold print have special meanings and are defined in theProperty/Business Income Conditions And Definitions form included in this policy.
Throughout this contract, the words �you� and �your� refer to the Named Insured shown in theDeclarations of this policy. The words �we�, �us� and �our� refer to the company providing thisinsurance.
Premises Coverages The following Premises Coverages apply only at those premises for which a Limit Of Insuranceapplicable to such coverages is shown in the Declarations.
Except as otherwise provided, direct physical loss or damage must:
� be caused by or result from a covered peril; and
� occur at, or within 1,000 feet of, the premises, other than a dependent business premises,shown in the Declarations.
Extra Expense We will pay for the actual extra expense you incur due to the actual or potential impairment ofyour operations during the period of restoration, not to exceed the applicable Limit Of Insurancefor Extra Expense shown in the Declarations.
This actual or potential impairment of operations must be caused by or result from direct physicalloss or damage by a covered peril to property unless otherwise stated.
This Premises Coverage applies only at those premises:
� where you incur an extra expense loss; and
� for which a Limit Of Insurance for Extra Expense is shown in the Declarations.
Fungus Clean-up OrRemoval
We will pay for the actual extra expense you incur due to the actual impairment of youroperations during the period of restoration, not to exceed the applicable Limit Of Insurance ForExtra Expense shown in the Declarations.
This actual impairment of operations must be caused by or result from the presence of fungus atyour premises shown in the Declarations.
Coverage will begin immediately after the date the fungus first appeared and will end:
� 45 consecutive days after this coverage begins; or
� when your impairment of operations ends,
whichever occurs first.
This Premises Coverage does not apply if the presence of fungus:
A. is caused by or results from:
1. a peril that is not a covered peril; or
2. moisture, other than water or flood, if flood would be covered under this insurance;
B. existed prior to the effective date shown in the Declarations;
Property Insurance
Form 80-02-1018 (Rev. 7-03) Contract Page 4 of 7
Premises Coverages
Fungus Clean-up OrRemoval(continued)
C. is not reported to us in writing as soon as possible after you first become aware, or in theexercise of reasonable care should have been aware, of the presence of fungus; or
D. is at premises shown under Excluded Premises in the Declarations.
Additional Coverages The following Additional Coverages apply within the coverage territory.
Civil Authority We will pay for the actual extra expense you incur due to the actual impairment of youroperations, directly caused by the prohibition of access to:
� your premises; or
� a dependent business premises,
by a civil authority.
This prohibition of access by a civil authority must be the direct result of direct physical loss ordamage to property away from such premises or such dependent business premises by a coveredperil, provided such property is within:
� one mile; or
� the applicable miles shown in the Declarations,
from such premises or dependent business premises, whichever is greater.
The most we will pay for Civil Authority is the applicable Limit Of Insurance for Extra Expenseshown in the Declarations.
The coverage will begin immediately after the time the civil authority prohibits access and willend:
� 30 consecutive days after the coverage begins; or
� whenever your extra expense is no longer required,
whichever occurs first.
This Additional Coverage does not apply if the direct physical loss or damage is caused by orresults from earthquake or flood.
Dependent BusinessPremises
We will pay for the actual extra expense you incur due to the actual or potential impairment ofyour operations during the period of restoration, not to exceed the applicable Limit Of Insurancefor Dependent Business Premises shown under Extra Expense in the Declarations.
This actual or potential impairment of operations must be caused by or result from direct physicalloss or damage by a covered peril to property or personal property of a dependent businesspremises at a dependent business premises shown in the Declarations.
This Additional Coverage does not apply if the direct physical loss or damage is caused by orresults from earthquake or flood.
Extra Expense
Property Insurance
Form 80-02-1018 (Rev. 7-03) Contract Page 5 of 7
Additional Coverages(continued)
Loss Of Utilities We will pay for the actual extra expense you incur due to the actual or potential impairment ofyour operations, not to exceed the applicable Limit of Insurance for Loss Of Utilities shownunder Extra Expense in the Declarations.
This actual or potential impairment of operations must be caused by or result from direct physicalloss or damage by a covered peril to:
� building;
� personal property of a utility located either inside or outside of a building; or
� service property,
excluding overhead communication, transmission or distribution equipment, necessary tosupply your premises with:
� water supply;
� communication supply;
� power supply;
� natural gas supply;
� sewage treatment; or
� on-line access,
services.
We will pay such loss provided that the disruption of services:
� is not due to your failure to comply with the terms and conditions of any contract; and
� has been reported to the service provider.
This Additional Coverage does not apply if the direct physical loss or damage is caused by orresults from earthquake or flood.
Limits Of Insurance The most we will pay in any occurrence is the amount of loss, not to exceed the applicable LimitOf Insurance shown in the Declarations.
Loss Determination In making any loss determination under this coverage, we will utilize relevant sources ofinformation, including:
� your financial records and accounting procedures;
� bills, invoices and other vouchers;
� deeds, liens and contracts;
� written agreements evidencing grants, endowments, or other financial contributions;
� status and feasibility reports; and
� budgeting and marketing records.
Property Insurance
Form 80-02-1018 (Rev. 7-03) Contract Page 6 of 7
Loss Determination(continued)
Extra Expense The amount of extra expense loss will be determined based on necessary expenses that exceedyour normal operating expenses that would have been incurred by operations during the period ofrestoration, if no physical loss or damage had occurred.
We will deduct from the total of such expenses:
� the salvage value that remains of any property bought for temporary use during the periodof restoration, once operations are resumed; and
� any extra expense that is paid for by other insurance.
Resumption OrContinuance OfOperations
If you elect not to resume or continue operations, we will not make any payment for extraexpense.
Loss PaymentLimitations
Debris Removal We will not pay for any extra expense you incur for the demolition or removal of debris.
Increase Of Loss Due ToDeath Or Injury
We will not pay for any extra expense you incur caused by or resulting from any injury, sickness,disease, death, emotional injury, emotional distress or humiliation of any person.
Increase Of Loss Due ToStrikers Or OthersCausing A Delay
We will not pay for any increase of loss caused by or resulting from delay in repairing or replacingproperty or resuming your operations, due to interference at the location of the repair,replacement or operations by strikers or other persons.
Loss Or Damage ToElectronic Data
We will not pay for any extra expense you incur caused by or resulting from direct physical lossor damage to electronic data, unless such direct physical loss or damage is caused by or resultsfrom:
� aircraft;
� explosion;
� earthquake, (except California) to the extent covered under the Electronic Data ProcessingProperty contract which is part of this policy;
� falling objects;
� fire;
� flood, to the extent covered under the Electronic Data Processing Property contract which ispart of this policy;
� freezing;
� leakage from fire protection equipment;
� lightning;
Extra Expense
Property Insurance
Form 80-02-1018 (Rev. 7-03) Contract Page 7 of 7
Loss PaymentLimitations
Loss Or Damage ToElectronic Data(continued)
� riot or civil commotion;
� sinkhole collapse;
� smoke;
� vehicles;
� weight of snow; or
� windstorm or hail.
Loss Or Damage ToProperty Used ToProvide Utility Services
Except as provided for in the Loss Of Utilities Additional Coverage, we will not pay for any extraexpense caused by or resulting from loss or damage to:
� building;
� personal property of a utility located either inside or outside of a building; or
� service property,
used by you or a utility or provide you with utility services.
Loss Or Damage ToWater
We will not pay for any extra expense you incur for loss or damage to water.
Nuclear Hazard We will not pay for any extra expense you incur for loss or damage to building or personalproperty caused by or resulting from fire which ensues from nuclear reaction or radiation, orradioactive contamination.
Pollutant Clean-up OrRemoval
We will not pay for any extra expense caused by or resulting from the:
� clean up or removal of pollutants from any land, water or air, either inside or outside of abuilding; or
� testing for, monitoring, containing, treating, detoxifying or neutralizing, or in any wayresponding to or assessing the effects of pollutants.
Conditions (IncludingCoverage Territory)
The conditions applicable to this contract are contained in the Property/Business IncomeConditions And Definitions form included in this policy.
Definitions The definitions applicable to this contract are contained in the Property/Business IncomeConditions And Definitions form included in this policy.
Property Insurance
Impairment Of Computer Services �Malicious Programming
Form 80-02-1095 (Ed. 7-03) Contract Page 1 of 7
Table Of ContentsSection Page No.
Coverages 3
Policy Exclusions 3
Limits Of Insurance 5
Deductible 5
Loss Determination 5
Loss Payment Limitations 6
Conditions (Including Coverage Territory) 6
Additional Condition 7
Definitions 7
Amended Definition 7
IMPAIRMENT
OF
COMPUTER
SERVICES
MALICI
OUS
PROGRAMMING
PROPERTY
CONTRACT
Form 80-02-1095 (Ed. 7-03) Contract Page 2 of 7
THIS PAGE INTENTIONALLY LEFT BLANK
Impairment Of Computer Services �Malicious Programming
Contract
Property Insurance
Form 80-02-1095 (Ed. 7-03) Contract Page 3 of 7
Words and phrases that appear in bold print have special meanings and are defined in theProperty/Business Income Conditions And Definitions form included in this policy and theAmended Definitions section of this contract.
Throughout this contract, the words, �you� and �your� refer to the Named Insured shown in theDeclarations of this policy. The words �we�, �us� and �our� refer to the company providing thisinsurance.
Coverages
Impairment Of ComputerServices - Inside Attack
We will pay for the actual:
� electronic data recovery costs;
� business income loss; and
� extra expense,
you incur due to the actual impairment of your operations during the period of recovery ofcomputer service, not to exceed the applicable Limit Of Insurance for Impairment Of ComputerServices - Inside Attack shown in the Declarations.
This actual impairment of operations must be caused by or result from actual loss to electronicdata or a system due to malicious programming by an insider, unless an exclusion applies.
Impairment Of ComputerServices - OutsideAttack
We will pay for the actual:
� electronic data recovery costs;
� business income loss; and
� extra expense,
you incur due to the actual impairment of your operations during the period of recovery ofcomputer service, not to exceed the applicable Limit Of Insurance for Impairment Of ComputerServices - Outside Attack shown in the Declarations.
This actual impairment of operations must be caused by or result from actual loss to electronicdata or a system due to malicious programming by an outsider, unless an exclusion applies.
Policy Exclusions The following Policy Exclusions apply to all coverages provided in this contract.
Dishonesty This insurance does not apply to loss caused by or resulting from fraudulent, dishonest or criminalacts or omissions committed alone or in collusion with others by you, your partners, members,officers, managers, directors, trustees, employees, anyone performing acts coming within the scopeof the usual duties of your employees, or by anyone authorized to act for you, or anyone to whomyou have entrusted covered property for any purpose.
This Dishonesty exclusion does not apply to malicious programming by an insider.
Property Insurance
Form 80-02-1095 (Ed. 7-03) Contract Page 4 of 7
Policy Exclusions(continued)
Governmental Or MilitaryAction
This insurance does not apply to loss caused by or resulting from seizure, confiscation,expropriation, nationalization or destruction of property by order of governmental or militaryauthority, whether de jure or de facto, regardless of any other cause or event that directly orindirectly:
� contributes concurrently to; or
� contributes in any sequence to,
the loss, even if such other cause or event would otherwise be covered.
Nuclear Hazard This insurance does not apply to loss caused by or resulting from nuclear reaction or radiation, orradioactive contamination, regardless of any other cause or event that directly or indirectly:
� contributes concurrently to; or
� contributes in any sequence to,
the loss, even if such other cause or event would otherwise be covered.
Random Or MultipleAttack
This insurance does not apply to loss caused by or resulting from any malicious programmingwhich:
� is not specifically directed at a system;
� is designed or intended to affect more than one computer system or network; or
� actually affects more than one computer system or network.
This Random Or Multiple Attack exclusion does not apply to malicious programming by anoutsider.
War And Military Action This insurance does not apply to loss caused by or resulting from:
� war, including undeclared or civil war;
� warlike action by a military force, including action in hindering or defending against anactual or expected attack, by any government, sovereign or other authority using militarypersonnel or other agents; or
� insurrection, rebellion, revolution, usurped power or action taken by governmental ormilitary authority, whether de jure or de facto, in hindering or defending against any ofthese,
regardless of any other cause or event that directly or indirectly:
� contributes concurrently to; or
� contributes in any sequence to,
the loss, even if such other cause or event would otherwise be covered.
Impairment Of Computer Services �Malicious Programming
Property Insurance
Form 80-02-1095 (Ed. 7-03) Contract Page 5 of 7
Limits Of Insurance
Impairment Of ComputerServices - Insider
The most we will pay in any occurrence for the sum of electronic data recovery costs, businessincome loss and extra expense due to malicious programming by an insider, is the Limit OfInsurance for Impairment Of Computer Services - Inside Attack shown in the Declarations.
Impairment Of ComputerServices - Outsider
The most we will pay in any occurrence for the sum of electronic data recovery costs, businessincome loss and extra expense due to malicious programming by an outsider, is the Limit OfInsurance for Impairment Of Computer Services - Outside Attack shown in the Declarations.
Subject to the Limit Of Insurance for Impairment Of Computer Services - Outside Attack, themost we will pay for the sum of all electronic data recovery costs, business income loss andextra expense due to malicious programming by an outsider that occurs during each separate12-month policy period, is the Aggregate Limit Of Insurance for Impairment Of ComputerServices - Outside Attack shown in the Declarations.
Deductible Subject to the applicable Limit Of Insurance, we will pay the amount of electronic data recoverycosts in excess of the applicable deductible amount shown in the Declarations for eachoccurrence.
If two or more deductibles apply to the same occurrence, only the largest single deductible willapply, unless otherwise stated.
Loss Determination In making any loss determination under this contract, we may utilize relevant sources ofinformation, including:
� your financial records and accounting procedures;
� bills, invoices and other vouchers;
� deeds, liens and contracts;
� status and feasibility reports; and
� budgeting and marketing records.
Business Income The amount of business income loss will be determined based on the:
� net income of your business before the malicious programming occurred;
� the likely net income of your business if no malicious programming occurred, but notincluding any business income that would likely have been earned as a result of an increasein the volume of business due to favorable business conditions caused by the impact of thecovered loss on customers or on other businesses; and
� your continuing operating expenses, including your continuing normal payroll expenses,necessary to resume operations with the same quality of service that existed just before themalicious programming.
Property Insurance
Form 80-02-1095 (Ed. 7-03) Contract Page 6 of 7
Loss Determination(continued)
Extra Expense The amount of extra expense loss will be determined based on necessary expenses that:
� exceed your normal operating expenses that would have been incurred by operationsduring the period of recovery of computer services, if no malicious programming hadoccurred; and
� reduce the business income loss that otherwise would have been incurred.
We will deduct from the total of such expenses:
� the salvage value that remains of any property bought for temporary use during the periodof recovery of computer services, once operations are resumed; and
� any extra expense that is paid for by other insurance.
Resumption OrContinuance OfOperations
We will reduce the amount of any business income loss payment to the extent you can resume orcontinue your operations, in whole or in part, by using any available electronic data or system,including the electronic data or system impacted by the malicious programming.
If you elect not to resume or continue operations:
� any loss determination for business income will be based on the length of time it wouldhave taken to resume or continue operations with due diligence and dispatch; and
� we will not make any payment for extra expense.
Loss PaymentLimitations
Contributing PhysicalLoss Or Damage
We will not pay for any business income loss or extra expense caused by or resulting frommalicious programming if direct physical loss or damage:
� contributes concurrently to, or
� contributes in any sequence to,
such business income loss or extra expense.
Extortion We will not pay that part of any business income loss or extra expense you incur to respond toextortion or other similar threat.
Loss Of Market We will not pay for any loss that results from loss of market, loss of use or delay.
Conditions (IncludingCoverage Territory)
The conditions applicable to this contract are contained in the Property/Business IncomeConditions And Definitions form included in this policy. Any additional conditions are containedin the Additional Condition section of this contract.
Impairment Of Computer Services �Malicious Programming
Property Insurance
Form 80-02-1095 (Ed. 7-03) Contract Page 7 of 7
Additional Condition
System Security If a system is protected by security software, you are required to maintain and, as necessary,upgrade (at your own cost) such software so that it provides a technologically credible level ofsecurity.
We will not pay for any loss caused by malicious programming if, prior to the maliciousprogramming, you:
� knew of any defect or deficiency in the security software and failed to correct it;
� failed to maintain the security software in complete working order; or
� knew of any technologically credible upgrades to the security software that could haveprevented the malicious programming, and failed to make them.
Definitions The definitions applicable to this contract are contained in the Property/Business IncomeConditions And Definitions form included in this policy. Any definition that amends thedefinitions contained in the Property/Business Income Conditions And Definitions form are shownin the Amended Definition section of this contract.
Amended Definition
Extra Expense Extra expense means necessary expenses you incur in an attempt to continue operations, overand above the expenses you would have normally incurred.
Form 80-02-1097 (Rev. 3-19) Contract
12
Specified Peril
Page 1 of 30
O
O
Conditions
Table Of Contents
Security Software
18
Definitions
Conditions And Definitions
28
Recovered Property
Property/Business Income
28
Fine Arts
Property Insurance
Robbery Of Money Or Securities
2
6
Extra Expense
14
Research And Development Operations 2
8
Electronic Data Recovery Costs
12
Research And Development Income
20
Electronic Data Processing Property13
Operations
20
Electronic Data Processing Equipment
15
Raw Stock
20
Electronic Data
13
Personal Property Of Others
20
Dependent Business Premises
15
Personal Property Of Employees
20
Covered Peril
1
5
Personal Property21
Contractors� Equipment
15
Period Of Restoration
20
Communication Property
14
Occurrence
24Business Income
12
Period Of Recovery Of Computer
22
Building Components
12
Overhead Communication, Transmission
1
7
Bonus Payments
14
Money
2
6
Insured�s Duties In The Event Of Loss
1
9
Outdoor Trees, Shrubs, Plants
20
Blank Media
10
Sinkhole Collapse
18
Coverage Territory
10
Prototypes
17
Concealment Or Misrepresentation
10
Property
2
5
Alternative Water System10
Securities
17
Abandonment
10
Mobile Communication Property
25
Alternative Power Generating Equipment
14
Pollutants
19
Accounts Receivable Records
11
Stock
16
Insider
11
Mobile Equipment
25
Accounts Receivable
11
Merchandise
23
Fungus
3
Malicious Programming16
Flood
4
Non-Owned Detached Trailers
16
Transfer Of Rights Of Recovery To Us
4
Off Premises
27
Green Expenses
4
Market Value
25
Building
3
On Premises
27Finished Stock
3
On-Line Access
24
Green Standards
3
Personal Property Of A Dependent
27
Liberalization
3
Personal Property Of A Utility
2
7
Other Insurance
6
Prepaid Rent
2
Appraisal
9
Rental Income26
In Transit
9
Research And Development Property
26
No Benefit To Carrier Or Bailee
9
Outsider
28
Mortgage Holder � Buildings
8
Service Property
19
Loss Payment
8
Mechanical Or Electrical System
9Lenders/Loss Payee
8
Service
Legal Action Against Us
7
Business Premises
Joint Loss Agreement
7
Or Distribution Equipment
Or Damage
6
Or Lawns
Or Apparatus
M
A
O
O
R
O
O
R
A
R
O
N
R
R
D
C
C
D
B
N
NU
C
N
S
Y
D
N
T
N
S
P
C
S
T
N
N
T
S
P
P
T
P
E
S
E
TY
E
E
/
T
I
F
I
E
I
I
I
I
I
Form 80-02-1097 (Rev. 3-19)
(continued)
30
Page 2 of 30
Table Of Contents
Contract
30Valuable Papers
30Tenants� Lease Interest 29
Tenant�s Improvements29
Sublease Profit29
Stock In Process29
Water
29
Unamortized
System
And Betterments
Form 80-02-1097 (Rev. 3-19)
Concealment OrMisrepresentation
Appraisal
Abandonment
Conditions
Coverage Territory
Property InsuranceContract
Exhibition, Fair Or Trade Show Additional Coverage; and
Page 3 of 30
If there is an appraisal, we will still retain our right to deny the claim.
You and we will equally share any other appraisal costs and the costs of the umpire.
will be binding on you and us.
in transit
will submit their statements to the umpire. Agreement by the umpire and either of the appraisersthe value of the property and the amount of the loss or damage. If the appraisers do not agree, theythat a judge of a court having jurisdiction make the selection. Each appraiser will separately stateappraisers will select an umpire. If the appraisers cannot agree on an umpire, either may requestand impartial appraiser, and we will select and pay a competent and impartial appraiser. The twodemand for an appraisal of the loss or damage. In this event, you will select and pay a competentIf you and we do not agree on the amount of the loss or damage, either party may make a written
stated.
Dependent Business Premises Additional Coverage;
any material fact or circumstance relating to this insurance at any time.This insurance is void if you or any other insured intentionally conceals or misrepresents
abandonment in writing.There can be no abandonment of any covered property to us unless we specifically agree to such
Conditions And Definitions
within and between the contiguous
Property/Business Income
The following conditions apply to all contracts contained within the Property/Business IncomeInsurance sections of this policy, except Care, Custody or Control Legal Liability, or as otherwise
Contract
is worldwide.
�
3. territories or possessions of the United States of America or Canada.
�
2. Puerto Rico; and
�
1. the State of Hawaii;
The Coverage Territory for:
C. waterborne shipments to or from:
B. intercoastal waterborne shipments via the Panama Canal; and
A.
Mobile Communication Property Additional Coverage,
territories or possessions of the United States of America or Canada, excluding:United States of America, Canada, the States of Hawaii and Alaska, Puerto Rico and theThis insurance applies anywhere within and
coastwise waterborne shipments to or from Alaska;
Form 80-02-1097 (Rev. 3-19)Property Insurance
Joint Loss Agreement
Event Of Loss OrInsured�s Duties In The
Damage
(continued)Conditions
Contract
for examination.
�
Notify us, or one of our authorized representatives, as soon as possible, as to what occurred.� Include a description of the property involved, the time and place of the loss or damage,
�
and names and addresses of available witnesses. If there has been loss or damage that may
You must see to it that the following are done in the event of loss or damage:
Page 4 of 30
A.
result in a loss under any Business Income or Extra Expense Insurance, notify us by
affect the insurance afforded you by this policy.document) to notify us of any loss or damage that such agent or employee knows about will notposition created by your organization�s charter, constitution, bylaws or other governingFailure of an agent or one of your employees (other than an officer, or other person holding a
�
telephone, telegraph or facsimile at our expense.
�
Take every reasonable step to protect the covered property from further loss or damage, and
�
peril. Also, if feasible, set the lost or damaged property aside and in the best possible order
�
will not pay for any subsequent loss or damage resulting from a peril that is not a covered
�
keep a record of your expenses necessary to protect such covered property for consideration
�
in the settlement of the claim. This will not increase any Limit Of Insurance. However, we
�
a disagreement as to the amount of the loss or damage to be paid by each insuring company.
�
when there is agreement between the insuring companies as to the existence of coverage, but
2. Boiler and Machinery insurance issued by a different insurer; and
1. this insurance; and
is covered by:This condition is intended to facilitate payment in the event of loss or damage to property that
Notify the police if a law may have been violated.
If you intend to continue your business, you must resume all or part of your operationsas quickly as possible.
File with us, or with our authorized representative, sworn proof of loss within 90 daysafter the date of loss or damage.
Cooperate with us in the investigation, settlement or handling of any claim.
Authorize us to obtain records or reports necessary for our investigation.
At our request, give us complete inventories of the damaged and undamagedproperty. Include quantities, costs, values and amount of loss or damage claimed.
As often as may be reasonably required, permit us to inspect the damaged andundamaged property and examine your books and records.
Permit us to take samples of the damaged and undamaged property for inspection, testingand analysis, and permit us to make copies of your books and records.
Permit us to examine any insured under oath, outside the presence of any other insured atsuch times as may be reasonably required, about any matter relating to this insurance or theclaim, including an insured's books and records. In the event of an examination, aninsured's answers must be signed.
Form 80-02-1097 (Rev. 3-19)
Conditions
(continued)Joint Loss Agreement
Legal Action Against Us
Property InsuranceContract
requirements are met:
C.
The provisions of paragraph C. of this condition apply only if all of the following
Page 5 of 30
�
2.
requirements and procedures as contained in this condition;
Property/Business IncomeConditions And Definitions
B.
3.
the Boiler and Machinery insurance contains a provision with substantially the same
�
or damage occurred.
No legal action may be brought against us unless:
the action is brought within three years after the date on which the direct physical loss
6.
jurisdiction.
5.
agree, either may request that selection be made by a judge of a court having
4.
the other insurer. Then, the two arbitrators will select a third arbitrator. If they cannot
1.
the Boiler and Machinery insurer will pay, upon your written request, the entire
Machinery insurer will make payments as follows:If the requirements listed in Paragraph B. above are satisfied, we and the Boiler and
5. the named insured is the same under both policies.
4.
amount of loss or damage about which we and the other insurer disagree;
3. the total amount of the loss or damage is agreed upon by you, us and the other insurer;
2.
amount of loss or damage agreed upon as being covered solely by the Boiler and
1.
M achinery insurance and one-half (1/2) the amount of loss or damage about which we
there has been full compliance with all the terms of this insurance; and
have agreed upon as being covered solely by this insurance and one-half (1/2) the
and the other insurer disagree;
we will pay, upon your written request, the entire amount for loss or damage that we
the amount in disagreement to be paid by us under this condition shall not exceed theamount payable under the Loss Adjustment Condition of the Boiler and Machinery
that each should pay for the lost or damaged covered property; and
insurance;
the amount to be paid under this condition shall not exceed the amount we would havepaid had no Boiler and Machinery insurance been in effect at the time of loss or
we and the Boiler and Machinery insurer disagree as to the amount of loss or damage
damage;
acceptance by you of payments under this condition does not alter, waive or surrenderany of our rights under this policy; and
and the other insurer admit some liability for payment under the respective policies;
we and the other insurer agree to submit our differences to arbitration within 90 daysafter payment, and you agree to cooperate with any arbitration proceedings. There willbe three arbitrators: one will be appointed by us, and the second will be appointed by
jurisdiction. A decision agreed to by any two of the three arbitrators will be binding onus and the other insurer. Judgment on any award may be sought in any court having
the loss or damage to the covered property was caused by a peril for which both we
Form 80-02-1097 (Rev. 3-19)
Liberalization
(continued)
Lenders/Loss Payee
Property Insurance
Conditions
Contract
failure to do so; and
�
submits a signed, sworn proof of loss within 60 days after receiving notice from us of your
If we adopt any changes:
�
within 60 days prior to the effective date shown in the declarations; or
Page 6 of 30
Each Loss Payee's right to receive loss payment is limited to the lesser of the following:
considered duplicate or contributing insurance.Insurance shown in the Declarations or changing the terms of this insurance, nor are they to beno event are copies of policies sent to Loss Payees to be considered as increasing the Limits OfPayees, copies of policies or certified copies of policies may be sent to these Loss Payees. InTo satisfy the requirements of any Loss Payee shown in the Schedule of Mortgages and Loss
interest. In this event, you will pay your remaining debt to us.At our option, we may pay to any Loss Payee the whole principal on the debt plus any accrued
�
adjust losses with you; and
�
has notified us of any change in ownership, occupancy or substantial change in risk known
because you have failed to comply with the terms of this insurance, such Loss Payee�s rights:If we pay any Loss Payee for any loss or damage and deny payment to you because of your acts or
�
to such Loss Payee.
�
pays any premium due at our request if you have failed to do so;
� the actual cash value as described under Loss Payment Basis of the lost or damaged covered
�
property (other than a structure);
�
their financial interest in the covered property (other than a structure) as shown in the
if such Loss Payee:
�
written evidence; or
If any Loss Payee shown in the Schedule of Mortgagees and Loss Payees is a creditor whoseinterest in covered property (other than a structure) is established by a written instrument and both
� pay any claim for loss or damage jointly to you and to each such Loss Payee, in their order
you and such Loss Payee have an insurable interest in lost or damaged covered property (otherthan a structure), we will:
Each Loss Payee has the right to receive loss payment, even though:
�
the applicable Limit Of Insurance for covered property (other than a structure) shown in
�
will be transferred to us to the extent of the amount we pay; and
to recover the full amount of the Loss Payee's claim will not be impaired.
the Declarations.
of precedence, as interests may appear.
we denied your claim because you failed to comply with the terms of this insurance; or
such Loss Payee starts foreclosure or similar actions on the covered property (other thana structure),
Form 80-02-1097 (Rev. 3-19)Property Insurance
Mortgage Holder �
Loss Payment
Buildings
(continued)Liberalization
Conditions
Contract
We will do this at our expense.
jointly to you and the mortgage holder shown in the
if such mortgage holder:
�
We may elect to defend you against suits arising from claims of owners of covered property.
�
We may adjust losses with the owners of lost or damaged covered property if other than you.
�
has notified us of any change in ownership, occupancy or substantial change in risk known to
�
We will not pay you more than your financial interest in the covered property.
Page 7 of 30
If we cancel this insurance, we will give written notice to the mortgage holder at least:
The mortgage holder must notify us of any change in ownership known to the mortgage holder.
Property/Business IncomeConditions And Definitions
If you fail to pay your premium, we may request it from your mortgage holder.
,
� failure to do so, and
holder. If we do, you will pay your remaining mortgage debt to us.
building
�
submits a signed, sworn proof of loss within 60 days after receiving notice from us of your
Failure to provide such notice shall not invalidate such cancellation.
Your mortgage holder has the right to receive loss payment, even though:
Schedule of Mortgagees and Loss Payees, as interests may appear.
We also have the right to take over your mortgage after making loss payment to the mortgage
will still have the right to receive the balance of the mortgage debt from you.insurance, you will have to pay us to the extent we pay the mortgage holder. Your mortgage holderIf we make loss payments to your mortgage holder when you fail to comply with the terms of this
We will pay for loss or damage to a
� such mortgage holder.
building
automatically receive the benefit of such change.
�
We will pay for covered loss or damage within 30 days after we receive the sworn proof
which could broaden this insurance without an additional premium charge, you will
A.
20 days before the effective date of cancellation if we cancel for your nonpayment of
B.
premium; or
D.
If we pay the owners, such payments will satisfy your claims against us for the owners'C.
during the policy period,
of loss, if you have complied with all of the terms of this insurance, and:
1. we have reached agreement with you on the amount of loss; or
2. an appraisal award has been made.
covered property. We will not pay the owners more than their financial interest in suchproperty.
60 days before the effective date of cancellation, if we cancel for any other reason.
you failed to comply with the terms of this insurance; or
your mortgage holder starts foreclosure or similar actions on the
pays any premium due at our request if you have failed to do so;
Form 80-02-1097 (Rev. 3-19)
Mortgage Holder �
Conditions
No Benefit To Carrier OrBailee
(continued)
Other Insurance
Buildings
Recovered Property
Property InsuranceContract
coinsurance or the
No person or organization, other than you, having custody of covered property will benefit from
�
third, to you for any deductible amount that you paid or penalties you paid as a result of
through subrogation, such recoveries shall be applied, net of the expense of such recovery, in the
�
first, to you for any uninsured loss or damage resulting from an insufficient limit of insurance;
for the repairs subject to the:
reporting condition of this insurance, if applicable.
When any recovered covered property which you choose to keep is in need of repair, we will pay
following order:
personal property
�
recovered property and return the loss payment to us; or
Page 8 of 30
�
as a result of subrogation,
�
in recovering any lost or damaged covered property; or
When covered property is recovered, you may keep the:
such salvage.If any covered property that is recovered has a salvage value, we shall control the disposition of
party making the recovery must give the other parties prompt notice.If any lost or damaged covered property is recovered by you or us, after a loss payment is made, the
this insurance.
by us, we shall bear the expenses of the proceedings.amount we are each reimbursed. If there should be no recovery and proceedings are conducted solelywe shall share the expense with you and any insurer providing excess insurance in proportion to the
�
Loss Payment Basis provision, Our Loss Payment Options.
�
applicable Limit Of Insurance shown in the Declarations; and
�
second, to us for any amounts paid in settlement of your clai m; and �
loss payment and we will keep the recovered property.
If there are expenses:
had the amount of recovery been known at the time the loss was originally determined.
If any covered property that is recovered has a salvage value or if there is any money recovered
We shall determine the amount of loss or damage on the basis on which it would have been settled
If you have any other insurance covering the same loss or damage as is insured against by thispolicy, we will only pay for the amount of loss or damage which is insured against by this policy
considered duplicate or contributing insurance.
in excess of the amount due from such other insurance, whether you can collect on such otherinsurance or not.
Of Insurance shown in the Declarations or changing the terms of this insurance, nor are they to beno event are copies of policies sent to mortgage holders to be considered as increasing the LimitsPayees, copies of policies or certified copies of policies may be sent to these mortgage holders. InTo satisfy the requirements of any mortgage holder shown in the Schedule of Mortgages and Loss
Form 80-02-1097 (Rev. 3-19)
Recovery To Us
Property Insurance
Generating EquipmentAlternative Power
Accounts Receivable
Accounts Receivable
Transfer Of Rights Of
Records
Definitions
(continued)Conditions
Contract
any other system that generates electricity from renewable resources.
Page 9 of 30
You may waive your rights against another party in writing:
Conditions And DefinitionsProperty/Business Income
If any person to or for whom we make payment under this insurance has rights to recover damagesfrom another, those rights are transferred to us to the extent of our payment. That person ororganization must do everything necessary to secure our rights and must do nothing after loss toimpair our rights.
, which is used in: means equipment that has been certified pursuant
When used with respect to insurance under this policy:
Accounts receivable
�
green standards
means:
means accounting records, including support records such as
�
low impact hydroelectric systems; or
�
geothermal energy systems;
invoices and accounting records in any form, used to control and document the collection of money
This will not restrict your insurance.
due from customers.
Accounts receivable records
Alternative power generating equipment
A. prior to direct physical loss or damage to covered property; or
B.
4.
someone insured by this insurance;
to
3.
an individual who owns or controls the majority of capital stock of your business;
�
1.
your tenant.
�
2.
a related business firm majority-owned or controlled by you, or that owns or
�
solar energy systems;
�
after direct physical loss or damage to covered property only if, at the time of direct
�
wind energy systems;
physical loss or damage, that party is one of the following:
interest charges on any loan that you secure to offset your reduced cash flow; and
the money due you that you are unable to collect from customers;
additional collection costs.
controls the majority of the capital stock of your business; or
Form 80-02-1097 (Rev. 3-19)
means equipment situated above or below ground which is used to
Building
does not include underground pipes or sprinkler heads intended
System
(continued)Definitions
Alternative Water
Blank Media
Bonus Payments
Building Components
Property InsuranceContract
additions to the structure under construction; and
solely for landscape irrigation.
; or
electronic data
Page 10 of 30
Alternative water system
premises shown in the Declarations.supply of a
means the blank medium upon which
collect and circulate gray water, ground water or rain water to the domestic, non-potable waterAlternative water system
Blank media itself.
your lease remaining at the time of direct physical loss or damage.
is recorded, but not
you prepaid the rent or security.
electronic data
does not mean rent, securities or cash bonuses refunded to you, even if
�
underground mines or mine shafts or any property within such underground mines or mine
� foundations or supports below the surface of the lowest floor or basement;
�
a structure;
or to water treatment facilities or outside irrigation facilities at the
�
any structure you do not own, occupy and are not legally or contractual y required to
Building
building
means:
�
outdoor trees, shrubs, plants or lawns
�
retaining walls;
�
shafts;
means that portion of any cash bonus you paid based on the percentage of
�
insure, except with respect to the Dependent Business Premises and Loss Of Utilities
� paved or concrete surfaces;
�
dikes; �
dams; �
land, water or air, either inside or outside of a structure;
� alterations and repairs to the structure.
� completed additions;
�
glass forming a part of a structure;
Building
Bonus payments
Bonus payments
Building components
building components
Additional Coverages.
does not mean:
means:
;
Form 80-02-1097 (Rev. 3-19)
through vehicular or railroad tunnels;
Building Components
Business Income
(continued)
Communication Property
Definitions
Contractors� Equipment
Property InsuranceContract
motor vehicles required to be licensed for highway use, except motor vehicles on which
Conditions And Definitions
in transit
Property/Business Income
building
Page 11 of 30
B.
machinery or equipment permanently installed in or on a structure; and
D.
be your obligations; andC.
property while underground, except while
A.
personal property
does not mean:
Communication property
�
your contractors' machinery or equipment is permanently mounted;
�
aircraft or watercraft;
�
personal property
you own or in your care, custody or control.
� temporary structures used for making additions or repairs to a structure;
you own, lease or borrow, and for which you are legally liable.
�
indoor or outdoor fixtures, whether above or below ground;
�
video or writing,
; �
other equipment used to interactively communicate with others through voice, picture,
�
personal property
Contractors� equipment
consisting of materials, machinery, equipment, supplies and
tools and spare parts for the contractors' machinery and equipment, usual to your business, whichContractors� equipment
used to maintain or service a structure or its premises.
�
analog, digital or fiber optic communication equipment; or
�
net profit or loss, including rental income from tenants and net sales value of production,
Business income
means contractors' machinery and equipment, including accessories,
Business income
�
premises shown in the Declarations occupied by you is untenable, not to exceed the fairthe cost you are required to pay to rent temporary premises when that portion of the
office equipment, which is the contents of trailers;
charges you incur which are the legal obligation of your tenant which would otherwise
that would have been earned or incurred before income taxes;
expenses;
means:
1.
payroll, 2.
operating; and
rental value of such untenable portion of the
your continuing normal:
does not mean bank interest or investment income.
means:
you occupy.
Form 80-02-1097 (Rev. 3-19)
Dependent Business
Covered Peril
Electronic Data
Contractors� Equipment
Premises
Electronic Data
(continued)
Definitions
Processing Equipment
Property InsuranceContract
property while waterborne or while being loaded or unloaded for waterborne transit, except
Forms, except Care, Custody Or Control Legal Liability, applicable to the lost or damaged
this policy applicable to
�
while
means a peril covered by the Building and Personal Property Contract included in
Electronic data processing equipment
; or
at a premises shown in the Declarations. covered peril
means a peril covered by the Form(s) shown in the Property Insurance Schedule Of
Electronic data
on-line access
or
; or
.
�
manufacture products for delivery to you or your customers under contract of
Page 12 of 30
�
service property
building personal property
�
personal property of a utility
means:
For the purposes of:
on public ferries or car floats for hire;
;
property
accept utility services from you; or
Covered peril
means software, data or other information that is in electronic form.
�
personal property of a dependent business premises
�
electronic data processing property
�
property while on any platform anchored, permanently or temporarily, in any body of water; �
mobile communication property
�
computers or computer peripherals;
A.
property while leased or loaned to others;
�
2.
deliver utility services to you; or
you on whom:
,
Dependent business premises
providers.
�
1.
in transit
�
premises of
depend to:
�
sale (manufacturing premises); or
B.
others,
Dependent business premises
� deliver materials or services to you or to others for your account (contributing premises);
�
you; or
accept your products or services (recipient premises);
attract customers to your business (leader premises).
premises operated by others on whom you or others depend to:
.
does not mean any:
means premises operated by a person or organization other than
Electronic Data
Extra Expense
Form 80-02-1097 (Rev. 3-19)
Processing EquipmentElectronic Data
Electronic Data
(continued)
Definitions
Processing Property
Recovery Costs
Property InsuranceContract
communication property
does not mean:
you own or use, or which resides on a
Electronic data processing property
, or to research or restore the lost information on damaged
�
programming
;
or
�
restore a system you own or lease to the functionality that existed prior to the
Page 13 of 30
Electronic data processing property
; and
which suffers direct physical loss or damage.
�
system you own or lease; and
means:
�
copy, re-create, replace or retrieve
, over and above the expenses you would have
�
mobile equipment
communication property
�
contractors� equipment
operations
;
�
property in the course of manufacture;
processing equipment
.
Conditions And Definitions
Electronic data recovery costs
.
electronic data
Electronic data recovery costs
�
climate control and protection equipment used solely for electronic data processing
�
property held for sale or distribution;
� operations;
.
.
, records and media, if such action will reduce any loss we would pay
� separately identifiable and removable component computer devices that are attached to
�
covered property and are designed to control such property, but not the property itself; and
�
mobile communication property
�
blank media
Property/Business Income
Extra expense
B.
electronic data processing equipment
A.
property that has been sold;
Paragraph B. does not apply to Fungus Clean-up Or Removal Premises Coverage.
malicious
electronic data
to repair or replace any
; or
in an attempt to continue
does not include the cost to repair or replace
valuable papersunder this insurance.
normally incurred; and
property
means necessary expenses you incur:
means the reasonable and necessary costs you incur to:
electronic data
Form 80-02-1097 (Rev. 3-19)
or
of the
fungi;
by products of the
Fungus
Flood
(continued)Definitions
Property Insurance
Fine Arts
Finished Stock
;
Green Expenses
Contract
hire professionals accredited pursuant to
-
Finished stock
group of any
spores, or other
green standards
or
state and ready for sale.
.
Finished stock
means necessary and incurred expenses to:
to participate in the repair
�
or replacement of the covered property;
�
tsunami resulting from earthquake.
� a
means any:
mold
�
paintings, rare books, sculptures, manuscripts, pictures, prints, etchings, drawings, tapestries,
Flood
specified peril
other body of water or watercourse, whether driven by wind or not.of natural or man-made lakes, reservoirs, ponds, brooks, rivers, streams, harbors, oceans, or any
�
bronzes, statuary, potteries, porcelains, marbles and other bona fide works of art; or
Fine arts
mildew,
that ensues from flood; or
completed state and ready for sale on the premises of any retail outlet.
green standards
�
rising or overflowing or breaking of any boundary,
Flood
means:
microorganisms; or
A.
other items of rarity or historical value.
B.
waves, tidal water or tidal waves; or
Green expenses
mycotoxins,
other
foregoing.
�
register and certify the repair or replaced covered property pursuant to
Page 14 of 30
�
ventilate the repaired or replaced covered property in a manner consistent with
�
green standards�
3. any
Fungus
other
colony or
1.
does not include goods manufactured by you or on your behalf which are in their
debris can be recycled; anddispose of debris, certified pursuant to green standards, at recycling facilities, if such
2.
means goods manufactured by you or on your behalf which are in their completed
does not include:
means:
foregoing;
Form 80-02-1097 (Rev. 3-19)
United States Green Building Council;
Insider
Rating System of the Green Building
(continued)
Green Standards
Definitions
In Transit
Property InsuranceContract
and other environmental quality standards for the design and construction of property.
Property/Business Income
TMof the
Green standards
R
of the Green Globes
System
And
Conditions And Definitions
In transit
Star
Green Building Rating
Assessment
�
system
LEEDR
means:
and ending:
also includes the period of time during which:
Page 15 of 30
�
destination, if shipped in or on any other conveyance;
�
when the property is actually moved from the point of shipment bound for a specified
�
other site development, water savings, energy efficiency, materials or equipment selection
�
the property is transferred into your care, custody or control; or
A.
Initiative;
qualified requirements; or
�
when the property is accepted by, or on behalf of, the consignee at the intended destination;
The expiration date of this policy will not cut short the duration of transit.
�
Energy
a
requirements
operate.
means a person, organization or computer you have expressly authorized to access
�
when, if shipped from premises of others in or on conveyances you own, lease or operate,
Insider .
includes ordinary, reasonable, and necessary stops, interrupti ons, delays, or transfers
�
the custody of a carrier for hire and which is being held at a location other than the intended
In transit
In transit
�
hire, its agent, or its driver.
R
�
when the property is accepted by, or on behalf of, the consignee at any intermediate
�
the contract of carriage is, without your knowledge, abandoned en route by a carrier for
�
destination by such carrier's �on-hand� department for a period not to exceed 30 days; or
incidental to the route and method of shipment, but not while at premises you own, lease or
the property departs your premises;
when, if shipped to your premises in or on conveyances you own, lease or operate,the property arrives at your premises.
when, if shipped from your premises in or on conveyances you own, lease or operate,
hire; or
point short of reaching the original intended destination;
at such point where you, or the owner of the property if other than you, order the property
there is a substantial and unauthorized deviation from the normal route by a carrier for
the
means being shipped by air, surface or waterborne conveyance from the time beginning:
stopped and held pending instructions. However, this does not apply to property while in
property shipped by mail, unless shipped by registered mail;
In transit
does not mean:
Form 80-02-1097 (Rev. 3-19)
Malicious Programming
Property Insurance
System Or ApparatusMechanical Or Electrical
Market Value
In Transit(continued)
Definitions
Contract
electronic data system
electronic data processing property
or a
A.
mechanical or electrical power; and
means any:
electronic data
Page 16 of 30
Mechanical or electrical system or apparatus
might be expected to realize if offered for sale
�
mechanical or electrical machine or apparatus used to generate, transmit or otherwise use�
manipulate;
or
does not mean:
does not mean any:
or
�
boiler, fired pressure vessel, unfired pressure vessel normally subject to vacuum or internal
�
pressure other than the weight of its contents;�
refrigeration vessels;
.
.
Mechanical or electrical system or apparatus
�
part of a boiler or fired vessel or electric steam generator that does not contain steam or water;
Malicious programming
�
property owned by others when you are acting as a carrier for hire.
�
whichever occurs first; or
fine arts
�
2. ocean marine insurance has begun to cover such property,
B.
1. loaded on board any steamer or other watercraft; or
C. export shipments once:
�
insurance has ceased to cover such property;
D.
import shipments, within the Coverage Territory, until such time as ocean marine
�
mobile communication property
�
direct physical loss or damage to �
theft of telephone services; or
�
prevent the use of,
means an illegal or malicious entry into
�
slow down; or
system
means the price which the Market value
Malicious programming
in a fair market on the date of loss or damage.
such
destroy;
delete;
copy;
air conditioning vessels;
corrupt;
piping, cable and accessory equipment connected to any of the foregoing.
distort;
which results in functions that:
Form 80-02-1097 (Rev. 3-19)
or apparatus;
other than:
Merchandise
or apparatus;item that is part of or used with any
Property
Mechanical Or Electrical
Mobile Communication
System Or Apparatus(continued)
Definitions
Property InsuranceContract
vessel, equipment, machine or apparatus manufactured by you for sale;
Page 17 of 30
N.
power shovel, dragline or excavation vehicle (whether or not licensed for road use);
�
aircraft;
system piping or water
expendable
�
floating vessel or structure;
means:
�
manufactured by you and ready for sale on the premises of any retail outlet.
vessel,
When a vessel uses a heat transfer medium other than water or steam, we will consider the
K.
penstock, draft tube or well casings;
�
held for sale by you; or
other
piping
Conditions And Definitions
Merchandise
machine
Property/Business Income
Mobile communication property
�
crane booms and cables, but not excluding any driving mechanical or electrical system
medium used and its vapor as substitutes for the words �water� or �steam�.
�
or apparatus; or
or any
B.
cylinder not sealed in PVC (polyvinyl chloride) protection, containing a movable plunger
C.
or piston, mounted on or forming a part of an elevator or hoist.
D.
laptop computers;
E.
equipment,
machine
F.
personal digital assistants;
G.
pagers;
plate,
H.
insulating or refractory material;
L.
non-metallic vessels, unless constructed in accordance with the American Society
I.
of Mechanical Engineers;
Q.
glass linings of vessels, equipment, machines and apparatus;
J.
catalyst;
P.
piping, vessels or cables, not enclosed in conduit, buried directly in the ground;
O.
sewer piping;
M.
die, extrusion
cellular telephone;
equipment,
3.
feedwater piping between any steam boiler and its feed pumps or injectors;
2.
water piping interconnecting vessels forming part of a refrigeration or air
1.
conditioning system used for cooling, humidifying or space heating;
structure, foundation, cabinet or compartment containing or supporting any vessel,
sprinkler
steam boiler condensate return piping; and
means goods:
Form 80-02-1097 (Rev. 3-19)
through vehicular or railroad tunnels;
(continued)Property
Money
Definitions
Mobile Communication
Mobile Equipment
Property InsuranceContract
communication devices or parts in the course of manufacture;
Page 18 of 30
�
communication devices or parts that have been sold;
�
communication devices or parts held for sale or distribution;
�
food stamps;
in transit
; or
; or
;
in transit
�
property while waterborne or while being loaded or unloaded for waterborne transit,
�
mobile equipment
;
�
mobile hand held global positioning systems; and
Mobile equipment
;
.
�
motor vehicles required to be licensed for highway use, except motor vehicles on which
Mobile equipment
Mobile communication property
.
�
your machinery or equipment is permanently mounted;
�
except while
means machinery and equipment, including accessories, tools and spare parts
�
contractors� equipment
;
does not mean:
�
communication property
�
electronic data
�
electronic data processing equipment
�
currency, coins, bank notes or bullion;
�
travelers checks, registered checks and money orders, held for sale to the public.
�
other hand held communication devices.
Money
does not mean:
�
electronic data processing property
�
aircraft or watercraft;
on public ferries or car floats for hire;
�
property while on any platform anchored, permanently or temporarily, in any body of water;
for the machinery and equipment, usual to your business which you own, lease or borrow, andfor which you are legally liable.
�
property while leased or loaned to others;
�
personal property
�
office equipment, which is the contents of trailers;
�
mobile communication property
�
checks or drafts drawn on any account; or
property while underground, except while
means:
Form 80-02-1097 (Rev. 3-19)Property Insurance
Off Premises
Non-Owned Detached
Occurrence
Trailers
(continued)Definitions
Contract
accidentally unhitched from a motor vehicle or motorized conveyance.
Page 19 of 30
Conditions And Definitions
that ensues from earthquake; and
Property/Business Income
�
trailers during hitching or unhitching operations, or when trailers become
�
2.
means:Occurrence
the loss or damage.
specified peril
A.
1.
b.
contribute concurrently to; or
Non-owned detached trailers
B.
for earthquake, including any resulting tsunami:
C.
2.
a.
contribute in any sequence to,
Off premises
�
1.
a series of earthquake shocks occurring within any period of 168 hours;
�
for windstorm involving, in whole or in part, any of the perils of weather:
D.
2.
one earthquake; or
�
1.
one event; or
Non-owned detached trailers
For the purposes of this definition:
�
for volcanic eruption:
does not mean:
�
2.
one volcanic eruption; or
�
1.
a series of volcanic eruptions occurring within any period of 168 hours;
for all other perils:
earthquake does not include a
motor vehicle or motorized conveyance is in motion; ortrailers attached to any motor vehicle or motorized conveyance, whether or not the
are in your care, custody or control.
are used in your business; and
in the custody of an armored motor vehicle company; or
in the possession of any person authorized by you, but not while in the mail or in thecustody of a carrier for hire other than an armored motor vehicle company.
any earthquake or volcanic eruption, or series of earthquake shocks or volcanic eruptions,will be deemed to occur at the time of the first shock or eruption.
one weather event; or
a series of related weather events; or
a series of causally related events that:
means:
means trailers that you do not own that:
Form 80-02-1097 (Rev. 3-19)
, begins 24 consecutive hours after the
at a premises operated by
Transmission Or
Plants Or LawnsOutdoor Trees, Shrubs,
On-Line Access
On Premises
Overhead
Outsider
Operations
occurs.
(continued)Definitions
Communication,
Distribution Equipment
Period Of Recovery OfComputer Service
Property InsuranceContract
malicious programming
does not mean:
�
for
means a person, organization or computer not authorized to access a .
Outdoor trees, shrubs, plants or lawns
means the period of time that:
; or
system
Page 20 of 30
the premises shown in the Declarations.means outdoor trees, shrubs, plants or lawns you own onOutdoor trees, shrubs, plants or lawns
and
malicious programming
�
that would have existed had there been no
electronic data
means:
Outsider
means your business activities occurring at your premises, including your activities as
and all their supporting towers and poles.
will continue until the earlier of the following:
�
the date your
�
for
means:
�
outdoor trees, shrubs, plants or lawns that you hold for sale; or
Overhead communication, transmission or distribution equipment
�
other similar overhead communication, transmission or distribution equipment,
�
overhead transformers; or
extra expense
malicious programming
Period of recovery of computer service
�
overhead communication, transmission or distribution lines;
�
growing crops.
�
making information available to third parties,
�
in a bank; or
operations
occurs; and
On premises
does not mean processing or storing a person or organization other than you.On-line access
Operations
means:
Period of recovery of computer service
a lessor of premises, prior to the loss or damage.
On-line access
via computer or other electronic system.
�
on the premises shown in the Declarations;
�
in a recognized place of safe deposit.
accessing information made available by third parties; or
electronic data recovery costs
business income
are restored, with due diligence and dispatch, to the condition
, begins immediately after the
Form 80-02-1097 (Rev. 3-19)
property
; or
parts
operations
malicious programming
Period Of Recovery Of
property
to
of
the direct physical loss or d
;
Computer Service
are restored, with reasonable speed, to
Period Of Restoration
:
;
Property Insurance
peril
(continued)
Definitions
Contract
the functionality that existed prior to the
buildings
property
amage,
by a
Property/Business Income
covered peril
not damaged
any
to
Page 21 of 30
Conditions And Definitions
of any property
property
system
enforceable
�
60 days after the date you restore, with due diligence and dispatch, a
of
operations
If loss or damage occurs at a:
would have begun if the direct physical loss or damage had not
The expiration date of this policy will not cut short the
property
stand
.
.
covered
Period of restoration
will continue until your
malicious programming
, begins:
.
to
B.
�
or
in
buildings
to the date
comply with the minimum
the level which would generate the
; or
of
that would have existed had there been no
property
Period of restoration
the
physical loss or damage occurred, including the time required to:
is actually repaired or replaced
A.
beginning on the date that:
replacement of any
period of restoration
the time of direct physical loss or damage by a
amount that would have existed if no direct
malicious programming
repair or
business income
business income
.
�
not to exceed the applicable number of days shown as Extended Period in the Declarations,
B.
�
or
replace the
In determining the condition of
down
extra expense
covered peril
Period of restoration
prior
operations
; or
to
;
, begins immediately after
A.
occurred, when loss or damage to any of the following delays the start of
competiti ve advantage gained by others as a result of such
on the date
law that:
consisting of materials, machinery, equipment, supplies and
or
for manufacturing risks, the lost or damaged
immediately after the time of direct physical loss or damage by a
ards
dependent business premises
3.
physical loss or damage occurred; or
ordinance or
the tearing
repair
and production capability is restored to the level that existed prior to the date the direct
3.
for all other risks, the lost or damaged property is actually repaired or replaced and
repair
your operations are restored.
1.
new
force
, no consideration will be given to unfavorable market conditions or
2.
alterations or additions to existing 2.
and
operations
1.
is
replace
or repairs to, the structure.temporary structures used in the construction of, or for making additions, alterationspersonal property
requires
theregulates
means the period of time that, for
means the period of time that, for
whether complete or under construction;
(continued)
Form 80-02-1097 (Rev. 3-19)
and an
Personal Property
;
Period Of Restoration
Property Insurance
Definitions
Contract
excluded peril, the
�
provided under the Fungus Clean-up Or Removal Premises Coverage or the Pollutant Clean-up
law:
or neutralize, or in any way respond to, or assess the effects of or
covered peril
Period of restoration
tenant's improvements and betterments
personal property of others
damaged
buildings
period of restoration covered peril
and glass in
; and
Page 22 of 30
conditions attributable to the impact the
;
only includes the length of time required to repair or
Personal property
does not mean:
amount that would have existed if no direct physical loss or
�
that requires any insured or others to test for, monitor, clean up, remove, contain, treat, detoxify
damage occurred, we will reduce such amount to the extent necessary to reflect unfavorable economic
� all your business personal property;
following such loss or damage,
you do
In determining the
is located.
;
;
tenant's improvements and betterments
pollutants
� business personal property you lease;
had in the geographic area where the lost or
�
personal property of others
; or
�
labor, materials and services furnished or arranged by you on
fungus
buildings
, except as
�
replace the property lost or damaged by a
�
signs, fixtures, glass and other
covered peril
�
glass in
, except
you do not own if you are legally or contractually required to maintain
includes:
property
means:
�
such glass.
business income
�
Or Removal Additional Coverage.
�
peril. If direct physical loss or damage is caused by or results from both a
propertyfor the purpose of determining
�
that regulates the repair or replacement of any property that was lost or damaged by an excluded
�
you were required to comply with before the direct physical loss or damage;
�
utility,
does not include any increased period required to comply with any ordinance or
�
contractors� equipment
�
trailers;
Personal property
�
outdoor trees, shrubs, plants or lawns
�
retaining walls; �
building
� land, water or air, either inside or outside of a structure;
growing crops;
vehicles or machines required to be licensed for use on public roads;
not own if you are legally or contractually required to maintain such glass;
personal property of a dependent business premises
; or
personal property of a utility
involving any property outside the legal boundary of the premises shown in the Declarations;
period of restoration
.
Form 80-02-1097 (Rev. 3-19)
;
;
.
;
does not mean:
Page 23 of 30Property Insurance
;
. means business personal property owned or
Dependent BusinessPersonal Property Of A
Personal Property
Premises
(continued)
Definitions
Contract
held for sale;
;
�
animals, except animals owned by others and boarded by you or animals owned by you and
�
come under the protection of cargo insurance;
�
export shipments after either being loaded on aircraft or oceangoing vessel or having
�
self-propelled watercraft, or any other watercraft over 50 feet in length, in water;
�
building
securities
�
land, water or air, either inside or outside of a structure;
Personal property of a dependent business premises
leased by a
or
securities
�
retaining walls;
Personal property of a dependent business premises
�
outdoor trees, shrubs, plants or lawns
Conditions And Definitions
�
animals;
;
� deferred payment plan after delivery to customers;
�
personal property sold under a conditional sale or trust agreement or an installment or
�
vehicles or machines required to be licensed for use on public roads;
�
money
or
�
trailers;
;
Property/Business Income
�
ground;
�
contractors� equipment
�
electronic data
�
growing crops;
�
aircraft, except aircraft manufactured, processed, warehoused or held for sale while on the
�
mobile communication property
�
any personal property which is in or below underground mines or mine shafts; or
�
import shipments prior to either discharge from aircraft or oceangoing vessel or
�
Deferred Payments Additional Coverage;
�
deferred payment plan after delivery to customers, except as provided under thepersonal property sold under a conditional sale or trust agreement or an installment or
electronic data
aircraft, except aircraft manufactured, processed, warehoused or held for sale while onthe ground;
money
termination of the risk assumed by cargo insurance;
self-propelled watercraft, or any other watercraft over 50 feet in length, in water;
dependent business premises
Form 80-02-1097 (Rev. 3-19)
;
means personal property not owned by you and in your care,
Personal Property Of A
Others
Dependent Business
Employees
(continued)
Personal Property Of
Definitions
Personal Property Of
Premises
Property InsuranceContract
the protection of cargo insurance;
.
;
�
export shipments after either being loaded on aircraft or oceangoing vessel or having come under
Personal property of employees
.
�
trailers;
;
securities
�
animals, except animals owned by your employee and boarded by you;
Page 24 of 30
in your care, custody or control.
does not mean:
�
retaining walls;
�
mobile communication property�
contractors� equipment
means personal property owned or leased by your employees and
�
self-propelled watercraft, or any other watercraft over 50 feet in length, in water;
Personal property of employees
.
�
mobile communication property
�
aircraft, except aircraft manufactured, processed, warehoused or held for sale while on the
�
ground;
;
�
any personal property which is in or below underground mines or mine shafts; or �
vehicles or machines required to be licensed for use on public roads;
�
personal property sold under a conditional sale or trust agreement or an installment or
�
deferred payment plan after delivery to customers;
�
electronic data
�
import shipments prior to either discharge from aircra ft or oceangoing vessel or termination of
�
outdoor trees, shrubs, plants or lawns
�
the risk assumed by cargo insurance;
�
building
�
growing crops;
�
land, water or air, either inside or outside of a structure;
custody or control.
Personal property of others
;
�
any personal property which is in or below underground mines or mine shafts; or
Personal property of others
money
business personal property you lease; or
personal property of employees
or
does not mean:
Form 80-02-1097 (Rev. 3-19)
;
does not mean:
Pollutants
Utility
Property
(continued)Definitions
Personal Property Of A
Prepaid Rent
Property InsuranceContract
building
securities
Pollutants
means that portion of any prepaid rent you paid based on the percentage of your
�
personal property of employees
.
;
;
Personal property of a utility
;
.
;
Personal property of a utility
Pollutants
does not mean the customary rent due at the beginning of any rental period.
Property/Business IncomeConditions And Definitions
recycled, reconditioned or reclaimed.vapor, soot, fibers, fumes, acids, alkalis, chemicals and waste. Waste includes materials to be
�
electronic data processing property�
valuable papers
;
�
personal property
fungus
Property
means any solid, liquid, gaseous or thermal irritant or contaminant, including smoke,
�
building;
;
�
vehicles or machines required to be licensed for use on public roads;
Page 25 of 30
�
mobile communication property
�
any personal property which is in or below underground mines or mine shafts; or
�
animals;
;
�
or deferred payment plan after delivery to customers;
�
personal property sold under a conditional sale or trust agreement or an installment
�
money
;
�
electronic data
Prepaid rent
or
�
aircraft;
�
self-propelled watercraft, or any other watercraft over 50 feet in length, in water;
�
contractors� equipment
�
trailers;
�
outdoor trees, shrubs, plants or lawns
�
growing crops;
lease remaining at the time of direct physical loss or damage.
Prepaid rent
�
retaining walls;
�
land, water or air, either inside or outside of a structure;
means:
does not mean
means personal property owned or leased by a utility.
Form 80-02-1097 (Rev. 3-19)
Raw Stock
Prototypes
Rental Income
(continued)Property
.
Research And
Definitions
Development Income
Property InsuranceContract
fine arts
does not mean bank interest or investment income.
; less
finished stock
�
days of the execution of such amendments; and
provided you:
; or
research and development operations
Page 26 of 30
�
research and development property
research and development operations
� days of their execution;
means:
building
,
�
report the value of any agreements executed after the inception of this policy to us within 90
�
agreements to further
.
Research and development income
�
report the value of such agreements to us by the inception of this policy;
Except as provided under the Newly Acquired Research And Development Income PremisesCoverage, insurance for agreements executed after the inception of this policy will begin on the dateyou report the values for such agreements to us.
�
incur, due to the actual impairment of such
Prototypes
means:
Raw stock
mean a first or original model of a new type of design.
�
grants, endowments and other financial contributions made to you pursuant to written
B.
report any amendments to such agreements that change the value of such agreements within 90
A.
expenses, including any research and development payroll expense, that you do not continue to
C.
rental value of such untenable portion of the
Rental income
D. premises shown in the Declarations occupied by you is untenable, not to exceed the fair
Rental income
the cost you are required to pay to rent temporary premises when that portion of the
be your obligations; andcharges you incur which are the legal obligation of your tenant(s) which would otherwise
the Declarations;expenses that you incur solely from tenant occupancy of the premises shown in
2. payroll,
1. operating; and
your continuing normal:
the rental income from tenant occupancy of the premises shown in the Declarations;net profit or loss that would have been earned or incurred, before income taxes, from
continue your
means material in the state in which you receive it for conversion into
research and development operations
you occupy.
.
Form 80-02-1097 (Rev. 3-19)
;
.
does not mean:
Security Software
Robbery Of Money Or
Development PropertyResearch And
Development Operations
or
Research And
Securities
Securities
(continued)Definitions
Property InsuranceContract
money securities
which are directly related to the development of new products or enhancement of existing products.Research and development operations
research and development operations
,
�
written, printed or inscribed documents, plans, records or formulas;
securities
Page 27 of 30
�
processes or cultures and resulting products, samples or other materials produced by such
�
mobile communication property
means your business activities occurring at your premises,
�
processes or cultures; and
means the unlawful taking of
money
securities
money
�
prototypes
means software or other computer applicatio ns or programming
from:
Research and development property
.
malicious programming
.if produced and directly associated with your
�
all negotiable and nonnegotiable instruments or contracts that represent either
�
other property held by you in any capacity;
�
revenue and other stamps in current use, tokens or tickets; and
or
.
Research and development property
Property/Business IncomeConditions And Definitions
�
goods you have manufactured which are in their completed state and ready for sale; or
�
property held for sale or held for delivery after sale;
�
you;
or
,
money
means:
�
property of others that you hold as a pledge or as collateral for a loan.
� your partner;
by violence, threat of violence or any other overt felonious act committed in the presence andwith cognizance of any such person.
Robbery of money or securities
Securities
�
your employee; or
�
any other person authorized by you to have custody of the or
Securities
principally designed to detect, prevent or mitigate Security software
animals;
does not mean
means:
money
Form 80-02-1097 (Rev. 3-19)
Stock
(continued)
Service Property
Definitions
Sinkhole Collapse
Specified Peril
Property InsuranceContract
fire;
means:
;
�
mine subsidence;
power, natural gas or sewage treatment service.or off the premises shown in the Declarations, to supply such premises with water, communication,Service property
does not mean:
building
�
finished stock
;
�
the sinking or collapse of land into man-made cavities.
Page 28 of 30
Sinkhole collapse
,
created by the action of water on limestone or dolomite.Sinkhole collapse
; or
�
the cost of filling land; or
, owned or leased by you and used either on
�
windstorm or hail.
�
volcanic action; or
�
vehicles;
;
means property outside of a
Stock
means the sudden sinking or collapse of land into underground empty spaces
� smoke;
� goods held in storage or for sale;
� sinkhole collapse
�
stock in process
�
lightning;
�
leakage from fire protection equipment;
�
explosion;
�
aircraft or self-propelled missiles;
�
riot or civil commotion;
�
raw stock
�
means:
�
vandalism;
�
merchandise
Specified peril
including supplies used in their packing or shipping.
Form 80-02-1097 (Rev. 3-19)Property Insurance
Tenants� Lease Interest
And BettermentsTenant�s Improvements
Sublease Profit
Stock In Process
System
(continued)Definitions
Contract
foundations or supports below the surface of the lowest floor or basement;
Page 29 of 30
� made a part of a
means:
you occupy but do not own; and
building
�
actual rent due for the unexpired term of the canceled lease and the appraised rental value of
�
utilized by you pursuant to a written contract.
finished stock
or portion of the
�
growing crops.
building
that has undergone any aging, seasoning, mechanical or
and facilities are:
means
and communication facilities which are connected to such computer, provided such computerSystem
that you rent for the unexpired term of the canceled lease or sublease, whichever
�
outdoor trees, shrubs, plants or lawns
Tenants� lease interest
raw stock
means fixtures, alterations, installations or additions:
�
retaining walls;
�
the difference between the appraised rental value of the leased premises at the time of direct�
land, water or air, either inside or outside of a structure;
.
�
same period, discounted by the prime rate of interest at the time of direct physical loss or
Property/Business Income
; or
Tenant�s improvements and betterments
� you acquire or make at your expense but cannot legally remove.
�
damage, for the unexpired term of the canceled lease; or
Tenant�s improvements and betterments
�
interest at the time of direct physical loss or damage for the unexpired term of the canceled
�
due under the new lease for that same time period, not to exceed the difference between the
Stock in process
direct physical loss or damage for the unexpired term of the canceled lease or sublease.would expire first. This amount is discounted based on the prime rate of interest at the time ofbuilding
means the net profit you earn through subleasing the Sublease profit
other process of manufact ure but which has not become
Conditions And Definitions
lease.
the difference between the rent due for the unexpired term of the canceled lease and the rent
physical loss or damage for the unexpired term of the lease and the actual rent due for the
paved or concrete surfaces;
does not mean:
the leased premises for that same period. This difference is discounted by the prime rate of
leased and operated by you; or
owned and operated by you;
means a computer and all input, output, processing, storage, off-line media library,
Form 80-02-1097 (Rev. 3-19)
.
tenant's improvements and betterments
Property Insurance
Valuable Papers
Water
Unamortized
(continued)Definitions
Contract
seeps or leaks through basements, foundations, roofs, walls, floors or ceilings of any building or
�
escapes from processing equipment, plumbing systems, refrigeration systems, cooling systems� or heating systems (other than underground storage tanks, underground piping or underground
�
plumbing systems, refrigeration systems, cooling systems or heating systems;
electronic
�
tubing) provided such water is intended to be contained in such processing equipment,
Water
itself.
;
were made to the date that your lease expires.
electronic data
Page 30 of 30
divided by the period of time from the date the Unamortized
securities�
other structure; or
�
money
means the period of time remaining in your lease at the time of loss or damage
�
prepackaged software programs; or
Valuable papers
�
electronic data
�
data
or
does not mean:
� papers, documents, records, negatives, tapes, transparencies;
, but not the
Valuable papers
original plans, blueprints, specifications or designs; and
backs up or overflows through sewers, drains or sump;
original source material used to enter or program
enters doors, windows or other openings in any building or other structure.
means water that:
means valuable:
PROPERTY
ENDORSEMENTS
Property Insurance Section
Endorsements
Form 80-02-1899 (Ed. 4-94) Endorsements
FEDERAL INSURANCE COMPANY
JANUARY 6, 2020
JANUARY 1, 2020 TO JANUARY 1, 2021
TULSA COUNTY PUBLIC FACILITIES AUTHORITY
3605-43-62 LIO
JANUARY 1, 2020
PROPERTY/BUSINESS INCOME CONDITIONS & DEFINITIONS
Form 80-02-1781 (Rev. 5-15)
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Coverage
Property Insurance
Endorsement
Policy Period JANUARY 1, 2020 TO JANUARY 1, 2021
Effective Date JANUARY 1, 2020
Policy Number 3605-43-62 LIO
Insured TULSA COUNTY PUBLIC FACILITIES AUTHORITY
Name of Company FEDERAL INSURANCE COMPANY
Date Issued JANUARY 6, 2020
EEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEE
This Endorsement applies to the following forms:
PROPERTY/BUSINESS INCOME CONDITIONS & DEFINITIONSBUSINESS INCOME WITH EXTRA EXPENSE
All other terms and conditions remain unchanged.
Authorized Representative UVWX
EEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEE
A new section called Special Waiting Period Provision is added to the contracts shown above.
Special WaitingPeriod Provision
Wherever used within any property contract or property endorsement contained in this policy, thephrase "normal business hours" is deleted and replaced with "consecutive hours".
Property Insurance Special Waiting Period Provision Added
Form 80-02-5355 (Ed. 1-15) Endorsement Page 1
last page
Property Insurance
Endorsement
Policy Period JANUARY 1, 2020 TO JANUARY 1, 2021
Effective Date JANUARY 1, 2020
Policy Number 3605-43-62 LIO
Insured TULSA COUNTY PUBLIC FACILITIES AUTHORITY
Name of Company FEDERAL INSURANCE COMPANY
Date Issued JANUARY 6, 2020
EEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEE
This Endorsement applies to the following forms:
BUILDING AND PERSONAL PROPERTYPROPERTY/BUSINESS INCOME CONDITIONS & DEFINITIONSBUSINESS INCOME WITH EXTRA EXPENSEEXTRA EXPENSEIMPAIRMENT OF COMPUTER SERVICES-MALICIOUS PROGRAMMING
EEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEE
Under Limits Of Insurance, and only with respect to the forms shown above, the following is added:
Limits Of Insurance
Loss Limit Of Insurance Subject to the applicable Limits Of Insurance shown in the Declarations, the most we will pay:
� at all premises; and
� under all Coverages, Premises Coverages, Additional Coverages and Debris RemovalCoverage, contained in the forms shown above,
for all loss or damage caused by or resulting from an occurrence is the Loss Limit Of Insuranceshown in the Declarations.
EEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEE
Under Conditions, the following is added:
Conditions
Excess Insurance You may have excess insurance, which is insurance over and above the Limits Of Insurance of thispolicy, without affecting coverage provided by this policy.
EEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEE
Property Insurance Limits Of Insurance - Loss Limit Of Insurance
Form 80-02-1634 (Rev. 7-03) Endorsement Page 1
continued
Property Endorsement(continued)
Under Conditions, Other Insurance and Recovered Property are deleted and replaced with thefollowing:
Conditions
Other Insurance If you have any other insurance (other than excess insurance as described in the Excess InsuranceCondition) covering the same loss or damage as is insured against by this policy, we will only payfor the amount of loss or damage which is insured against by this policy in excess of the amount duefrom such other insurance, whether you can collect on such other insurance or not.
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Recovered Property If any lost or damaged covered property is recovered by you, us or any insurer providing excessinsurance after a loss payment is made, the party making the recovery must give the other partiesprompt notice.
If any recovered property has a salvage value, we shall control the disposition of such salvage.
When covered property is recovered, you may keep the:
� recovered property and return the loss payment to us; or
� loss payment and we will keep the recovered property.
When any recovered covered property which you choose to keep is in need of repair, we will pay forthe repairs subject to the:
� applicable Limit Of Insurance shown in the Declarations; and
� Loss Payment Basis provision, Our Loss Payment Options.
If any recovered property has a salvage value or if there is any money recovered through subrogation,such recoveries shall be applied, net of the expense of such recovery, in the following order:
� first, to you for any uninsured loss or damage resulting from an insufficient limit of insurance;
� second, to any insurer providing excess insurance;
� third, to us for any amounts paid in settlement of your claim; and
� fourth, to you for any deductible amount that you paid or penalties you paid as a result ofCoinsurance or the personal property reporting condition of this insurance, if applicable.
We shall determine the amount of loss or damage on the basis on which it would have been settledhad the amount of recovery been known at the time the loss was originally determined.
If there are expenses:
� in recovering any lost or damaged covered property; or
� as a result of subrogation,
Property Insurance Limits Of Insurance - Loss Limit Of Insurance
Form 80-02-1634 (Rev. 7-03) Endorsement Page 2
continued
Property Insurance
Endorsement
Effective Date JANUARY 1, 2020
Policy Number 3605-43-62 LIO
EEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEE
All other terms and conditions remain unchanged.
Authorized Representative UVWX
we shall share the expense with you and any insurer providing excess insurance in proportion to theamount we are each reimbursed. If there should be no recovery and proceedings are conducted solelyby us, we shall bear the expenses of the proceedings.
Property Insurance Limits Of Insurance - Loss Limit Of Insurance
Form 80-02-1634 (Rev. 7-03) Endorsement Page 3
last page
Property Insurance
Endorsement
Policy Period JANUARY 1, 2020 TO JANUARY 1, 2021
Effective Date JANUARY 1, 2020
Policy Number 3605-43-62 LIO
Insured TULSA COUNTY PUBLIC FACILITIES AUTHORITY
Name of Company FEDERAL INSURANCE COMPANY
Date Issued JANUARY 6, 2020
EEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEE
This Endorsement applies to the following forms:
BUILDING AND PERSONAL PROPERTYBUSINESS INCOME WITH EXTRA EXPENSEEXTRA EXPENSEPROPERTY/BUSINESS INCOME CONDITIONS & DEFINITIONSIMPAIRMENT OF COMPUTER SERVICES-MALICIOUS PROGRAMMING
EEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEE
A new section titled Terrorism Provisions is added to the end of this contract.Terrorism Provisions
Certified Act OfTerrorism Exclusion
This insurance does not apply to loss or damage caused directly or indirectly by a certified act ofterrorism, regardless of any other cause or event that contributes:
� concurrently; or
� in any sequence,
to the loss or damage.
This Certified Act Of Terrorism exclusion does not apply to ensuing loss or damage caused by orresulting from fire. This exception for fire applies:
� only to direct physical loss or damage by fire to building or personal property. Therefore,for example, the exception does not apply to insurance provided under business incomeand/or extra expense or endorsements which apply to these forms, or to the Care, CustodyOr Control Legal Liability or Leasehold Interest contracts; and
� if the fire would be covered under this insurance and there is a law in effect in the jurisdictionwhere the loss or damage occurs that expressly prohibits us from excluding such ensuing lossor damage.
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Property Insurance Exclusion Of Certified Acts Of Terrorism/Exception For Certain Fire Losses
Form 80-02-1660 (Rev. 1-15) Endorsement Page 1
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
continued
Property Endorsement(continued)
Application Of OtherExclusions
The terms and limitations of any terrorism exclusion or sublimit, or the inapplicability or omissionof a terrorism exclusion or sublimit, do not serve to create coverage for any loss which wouldotherwise be excluded or sublimited under this policy, such as losses excluded by the NuclearHazard exclusion or the War And Military Action exclusion.
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Ordinance Or Law LossPayment Basis
The Ordinance Or Law Loss Payment Basis provision does not apply to loss or damage caused byor resulting from fire which ensues from a certified act of terrorism.
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Ensuing Fire LossPayment Basis Exception
Building or personal property which suffers direct physical loss or damage caused by or resultingfrom fire which ensues from a certified act of terrorism is valued on an actual cash value basis,subject to all other exceptions described under Loss Payment Basis Exceptions.
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Cap On Ensuing FireResulting From CertifiedTerrorism Losses
If:
� aggregate insured losses attributable to one or more certified acts of terrorism under theterrorism law exceed $100 billion in a calendar year; and
� we have met our insurer deductible under the terrorism law,
we will not be liable for the payment of any portion of the amount of such losses that exceeds $100billion, and in such case insured losses up to that amount are subject to pro rata allocation inaccordance with procedures established by the Secretary of the Treasury.
EEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEE
A new section titled Terrorism Definitions is added.Terrorism Definitions
Certified Act Of Terrorism Certified act of terrorism means any act that is certified by the Secretary of the Treasury of theUnited States to be an act:
A. of terrorism, a violent act or an act that is dangerous to human life, property or infrastructure;and
B. that results in damage:
1. within the United States; or
2. outside of the United States in the case of:
a. an air carrier or vessel as described in the terrorism law; or
b. the premises of a mission of the United States of America,
which was committed by an individual or individuals as part of an effort to:
� coerce the civilian population; or
Property Insurance Exclusion Of Certified Acts Of Terrorism/Exception For Certain Fire Losses
Form 80-02-1660 (Rev. 1-15) Endorsement Page 2
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
continued
Property Insurance
Endorsement
Effective Date JANUARY 1, 2020
Policy Number 3605-43-62 LIO
EEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEE
All other terms and conditions remain unchanged.
ABCDEFAuthorized Representative
� influence the policy or affect the conduct of the Government,
of the United States.
Certified act of terrorism does not include an act that:
� is committed as part of the course of a war declared by the Congress of the United States; or
� does not result in property and casualty insurance losses that exceed $5 million in theaggregate and are attributable to all types of insurance subject to the terrorism law.
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State State means any state of the United States of America, the District of Columbia, the Commonwealthof Puerto Rico, the Commonwealth of the Northern Mariana Islands, American Samoa, Guam, eachof the United States Virgin Islands, and any territory or possession of the United States of America.
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Terrorism Law Terrorism law means the Terrorism Risk Insurance Act of 2002 as amended.
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United States United States means:
� a state; and
� the territorial sea and the continental shelf of the United States of America, as described in theterrorism law.
Property Insurance Exclusion Of Certified Acts Of Terrorism/Exception For Certain Fire Losses
Form 80-02-1660 (Rev. 1-15) Endorsement Page 3
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
last page
JANUARY 1, 2020 TO JANUARY 1, 2021
TULSA COUNTY PUBLIC FACILITIES AUTHORITY
JANUARY 6, 2020
3605-43-62 LIO
FEDERAL INSURANCE COMPANY
JANUARY 1, 2020
BUILDING AND PERSONAL PROPERTY PROPERTY/BUSINESS INCOME CONDITIONS & DEFINITIONS
$ 50,000
Form 80-02-5407 (Ed. 3-19)
to the following
direct physical loss; and
following
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Additional Coverages
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Property InsurancePage 2
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provide insurance
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on terms
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UVWX
Form 80-02-5407 (Ed. 3-19) Endorsement
includes
or
by
registered checks and money
Property Insurance Ocean Cargo Coverage Added
nonnegotiable instruments or contracts that
Definitions
(continued)Goods In Transit
All other terms and conditions remain unchanged.
course of
held for sale to
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stamps in
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i transportation or
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the public
last page
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travelers
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or
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trade;
Page 4
�
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all
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;
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.
checks,
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property
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Additional Peril - Combined Earthquake/EQSL Limit/Deductible Or Waiting Period continued
80-02-1361 (Rev. 3-19) Endorsement 1
Property Insurance
Form Page
JANUARY 1, 2020 TO JANUARY 1, 2021
3605-43-62 LIO
JANUARY 1, 2020
TULSA COUNTY PUBLIC FACILITIES AUTHORITY
JANUARY 6, 2020
FEDERAL INSURANCE COMPANY
This Endorsement applies to the following forms:
Name of Company
Endorsement
Policy Period
Effective Date
Policy Number
Property Insurance
Date Issued
Insured
BUILDING AND PERSONAL PROPERTY BUSINESS INCOME WITH EXTRA EXPENSE EXTRA EXPENSE PROPERTY/BUSINESS INCOME CONDITIONS & DEFINITIONS
Policy Annual Aggregate Limit Of Insurance: $ 1,000,000
SCHEDULE
Premises Limits, Deductible or Waiting Period: Premises Annual Aggregate Limit Of Insurance: $ 1,000,000Per Occurrence Limit Of Insurance: $ 1,000,000Property Damage Dollar Deductible: $ 100,000Waiting Period: 24 HOURS
4145 E 21ST ST TULSA, OKLAHOMA 74114 COUNTY OF TULSA
Premises:
4503 E 21ST ST TULSA, OKLAHOMA 74114 COUNTY OF TULSA
Premises:
3901 E 21ST ST TULSA, OKLAHOMA 74114 COUNTY OF TULSA
Premises:
1701 S LOUISVILLE AVE TULSA, OKLAHOMA 74112 COUNTY OF TULSA
Premises:
Additional Peril - Combined Earthquake/EQSL Limit/Deductible Or Waiting Period continued
80-02-1361 (Rev. 3-19) Endorsement 2
Property Insurance
Form Page
Property Endorsement(continued)
4705A E 21ST ST TULSA, OKLAHOMA 74114 COUNTY OF TULSA
Premises:
3902 E 15TH ST TULSA, OKLAHOMA 74112 COUNTY OF TULSA
Premises:
4609 E 21ST ST TULSA, OKLAHOMA 74114 COUNTY OF TULSA
Premises:
1701 S LOUISVILLE AVE TULSA, OKLAHOMA 74112 COUNTY OF TULSA
Premises:
4116 E 15TH ST TULSA, OKLAHOMA 74112 COUNTY OF TULSA
Premises:
4004 E 15TH ST TULSA, OKLAHOMA 74112 COUNTY OF TULSA
Premises:
4000 E 15TH ST TULSA, OKLAHOMA 74112 COUNTY OF TULSA
Premises:
1947 S KNOXVILLE AVE TULSA, OKLAHOMA 74112 COUNTY OF TULSA
Premises:
1914 S LOUISVILLE AVE TULSA, OKLAHOMA 74112 COUNTY OF TULSA
Premises:
4017 E 21ST ST TULSA, OKLAHOMA 74114 COUNTY OF TULSA
Premises:
4565 E 21ST ST TULSA, OKLAHOMA 74114 COUNTY OF TULSA
Premises:
4149 E 21ST ST TULSA, OKLAHOMA 74114 COUNTY OF TULSA
Premises:
Policy language follows
Additional Peril - Combined Earthquake/EQSL Limit/Deductible Or Waiting Period continued
80-02-1361 (Rev. 3-19) Endorsement 3
Property Insurance
Form Page
3605-43-62 LIO
JANUARY 1, 2020
Exclusions
not
not
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Premises; and
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re
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Additional Peril - Combined Earthquake/EQSL Limit/Deductible Or Waiting Period continued
80-02-1361 (Rev. 3-19) Endorsement 4
Property Insurance
Form Page
Earthquake/Earthquake
the forms
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Additional Peril - Combined Earthquake/EQSL Limit/Deductible Or Waiting Period continued
80-02-1361 (Rev. 3-19) Endorsement 5
Property Insurance
Form Page
3605-43-62 LIO
JANUARY 1, 2020
Sprinkler Leakage
deductible
the
shown in the
event
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the
in
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above:
lesser
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Additional Peril - Combined Earthquake/EQSL Limit/Deductible Or Waiting Period continued
80-02-1361 (Rev. 3-19) Endorsement 6
Property Insurance
Form Page
(continued)
F.
following meanings:
each
or
example:
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Additional Peril - Combined Earthquake/EQSL Limit/Deductible Or Waiting Period continued
80-02-1361 (Rev. 3-19) Endorsement 7
Property Insurance
Form Page
3605-43-62 LIO
JANUARY 1, 2020
(continued)
following
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at
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Additional Peril - Combined Earthquake/EQSL Limit/Deductible Or Waiting Period continued
80-02-1361 (Rev. 3-19) Endorsement 8
Property Insurance
Form Page
Equipment
from
of the
equipment caused
the
or
Earthquake
part
or valves and any
definition
from
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Fire Protection
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Definitions
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Additional Peril - Combined Earthquake/EQSL Limit/Deductible Or Waiting Period last page
80-02-1361 (Rev. 3-19) Endorsement 9
Property Insurance
Form Page
3605-43-62 LIO
JANUARY 1, 2020
(continued)Specified Peril
Definitions
Endorsement
not mean earthquake sprinkler le
Effective Date
action; or
Policy Number
or hail.
Property Insurance
akage
� vehicles;
does
� volcanic
Specified peril
� windstorm
.
UVWX
All other terms and conditions remain unchanged.
Authorized Representative
Additional Peril - Flood Limit/Deductible Or Waiting Period (Per Occurrence) continued
80-02-1428 (Rev. 3-19) Endorsement 1
Property Insurance
Form Page
JANUARY 1, 2020 TO JANUARY 1, 2021
JANUARY 6, 2020
TULSA COUNTY PUBLIC FACILITIES AUTHORITY
FEDERAL INSURANCE COMPANY
3605-43-62 LIO
JANUARY 1, 2020
This Endorsement applies to the following forms:
Name of Company
Endorsement
Policy Period
Effective Date
Policy Number
Property Insurance
Date Issued
Insured
BUILDING AND PERSONAL PROPERTY BUSINESS INCOME WITH EXTRA EXPENSE EXTRA EXPENSE PROPERTY/BUSINESS INCOME CONDITIONS & DEFINITIONS
Policy Annual Aggregate Limit Of Insurance: $ 1,000,000
SCHEDULE
FLOOD INCLUDES INUNDATION, BACK-UP AND MUDFLOW Premises Limits, Deductible or Waiting Period:
Premises Annual Aggregate Limit Of Insurance: $ 1,000,000Per Occurrence Limit Of Insurance: $ 1,000,000Property Damage Dollar Deductible: $ 100,000Waiting Period: 24 HOURS
4145 E 21ST ST TULSA, OKLAHOMA 74114 COUNTY OF TULSA
Premises:
4503 E 21ST ST TULSA, OKLAHOMA 74114 COUNTY OF TULSA
Premises:
3901 E 21ST ST TULSA, OKLAHOMA 74114 COUNTY OF TULSA
Premises:
1701 S LOUISVILLE AVE TULSA, OKLAHOMA 74112 COUNTY OF TULSA
Premises:
Additional Peril - Flood Limit/Deductible Or Waiting Period (Per Occurrence) continued
80-02-1428 (Rev. 3-19) Endorsement 2
Property Insurance
Form Page
Property Endorsement(continued)
4705A E 21ST ST TULSA, OKLAHOMA 74114 COUNTY OF TULSA
Premises:
3902 E 15TH ST TULSA, OKLAHOMA 74112 COUNTY OF TULSA
Premises:
4609 E 21ST ST TULSA, OKLAHOMA 74114 COUNTY OF TULSA
Premises:
1701 S LOUISVILLE AVE TULSA, OKLAHOMA 74112 COUNTY OF TULSA
Premises:
4116 E 15TH ST TULSA, OKLAHOMA 74112 COUNTY OF TULSA
Premises:
4004 E 15TH ST TULSA, OKLAHOMA 74112 COUNTY OF TULSA
Premises:
4000 E 15TH ST TULSA, OKLAHOMA 74112 COUNTY OF TULSA
Premises:
1947 S KNOXVILLE AVE TULSA, OKLAHOMA 74112 COUNTY OF TULSA
Premises:
1914 S LOUISVILLE AVE TULSA, OKLAHOMA 74112 COUNTY OF TULSA
Premises:
4017 E 21ST ST TULSA, OKLAHOMA 74114 COUNTY OF TULSA
Premises:
4565 E 21ST ST TULSA, OKLAHOMA 74114 COUNTY OF TULSA
Premises:
4149 E 21ST ST TULSA, OKLAHOMA 74114 COUNTY OF TULSA
Premises:
Policy language follows
Additional Peril - Flood Limit/Deductible Or Waiting Period (Per Occurrence) continued
80-02-1428 (Rev. 3-19) Endorsement 3
Property Insurance
Form Page
3605-43-62 LIO
JANUARY 1, 2020
Flood
Exclusions
A.
applicable to the premises shown in the Schedule above, only if a Limit Of Insurance for
exclusion is deleted from the forms shown above.Under Exclusions, and only with respect to the premises shown in the Schedule above, the Flood
Policy Number
Exhibition, Fair Or Trade Show; or
Effective Date
Newly Acquired Premises; and
Property Insurance
flood
Endorsement
B.
7.
Debris Removal Coverage,
limitations are not deleted and remain in effect for: C.
6.
Additional Coverages; and
5.
Premises Coverages;
4.
Dependent Business Premises;
3.
Civil Authority;
2.
any premises not shown in the Schedule above.
1.
c.
Any Other Location;
The Flood exclusion and any
2.
b.
1.
a.
This endorsement does not apply to:
such coverage is shown in the Declarations at such premises shown in the Schedule above.
3.
Fungus Clean-up Or Removal;
2.
Ingress And Egress;
1.
Loss Of Utilities;
Except as provided in paragraph E. below, this endorsement applies to the:
Pollutant Clean-up And Removal; and
Prohibition Of Access.
the Additional Coverages for:
Additional Peril - Flood Limit/Deductible Or Waiting Period (Per Occurrence) continued
80-02-1428 (Rev. 3-19) Endorsement 4
Property Insurance
Form Page
Flood A.
Subject to the:
business income
business income
loss and
flood
loss and
Limits Of Insurancethe forms shown above, the following is added:
rental income
rental income
extra
Under Limits Of Insurance, and only with respect to the premises shown in the Schedule above and
C.
1.
contributes in any sequence to,
business income
, regardless of any other cause or
B.
applicable:
or flood
rental income
, is the lesser of theexpense
, if such coverage is provided, caused by or resulting from
occurrenceextra
2.
contributes concurrently to; or
or
or flood
, regardless of any
physical loss or damage to property and
extra expense
, for directthe most we will pay at all premises to which such limit applies, in any
loss and
, if such
3.
contributes concurrently to; or
7.
Deductible or Waiting Period shown under Premises Limits in the Schedule above,
event that directly or indirectly:
1.
Policy Annual Aggregate Limit Of Insurance described in paragraph C. below and
coverage is provided, caused by or resulting from
2.
shown in the Schedule above;
the loss or damage, even if such other cause or event would otherwise be covered.
property and resulting with the effective date shown in the Declarations, for direct physical loss or damage to
Subject to the Policy Annual Aggregate Limit Of Insurance, the applicable Premises Annual
Premises Annual Aggregate Limit Of Insurance
the loss or damage, even if such other cause or event would otherwise be covered.
6.
Applicable Premises Annual Aggregate Limit Of Insurance described in paragraph B.
regardless of any other cause or event that directly or indirectly:
5.
Applicable Property Damage Dollar Deductible, Property Damage Percentage
4.
below and shown under Premises Limits in the Schedule above; and
Policy Annual Aggregate Limit Of Insurance
The Policy Annual Aggregate Limit Of Insurance shown in the Schedule above is the most
period, beginning with the effective date shown in the Declarations, for direct physical lossor damage to property and resulting expenseother cause or event that directly or indirectly:
we will pay at all premises shown in the Schedule above during any consecutive 12-month
Aggregate Limit Of Insurance shown in the Schedule above is the most we will pay at allpremises to which such limit applies, during any consecutive 12-month period, beginning
Per Occurrence Limit Of Insurance
1.
contributes in any sequence to,
contributes concurrently to; or
Per Occurrence Limit Of Insurance shown in the Schedule above,
Limits Of Insurance shown in the Declarations; or
, if such coverage is provided, caused by or resulting from
Additional Peril - Flood Limit/Deductible Or Waiting Period (Per Occurrence) continued
80-02-1428 (Rev. 3-19) Endorsement 5
Property Insurance
Form Page
3605-43-62 LIO
JANUARY 1, 2020
Deductible
(continued)Flood
Limits Of Insurance
Property Insurance
the premises shown in the
Effective Date
flood
.
and for
occurrence
flood
above:
and is replaced with the following:
for direct physical loss or damage to property:
� for the premises shown in the Schedule above,
�
Property Damage Percentage Deductible:
For the peril of
building
Policy Number
, the deductible provision is deleted:
Endorsement
).
A.
As used in this endorsement, the terms �specific insurance� and �blanket insurance� have
E.
only with respect to the forms shown above; and
D.
the following meanings:
C.
the loss or damage, even if such other cause or event would otherwise be covered.
B.
2.
occurrence
1.
in a
each
Of Insurance at one premises (for example: each
hedule
or
4.
Specific Insurance covers each type of coverage under separate specific Limits
5.
contributes in any sequence to,
The applicable deductible shown in the Schedule above applies separately for
any other cause or event that directly or indirectly:Limits Of Insurance shown in the Declarations or shown in the Schedule above, regardless ofif such loss or damage is caused by or results from
the loss or damage, even if such other cause or event would otherwise be covered.
Property Damage Minimum Dollar Deductible amount shown in the Schedule above.
The most we will pay, in any
2.
for all the applicable property coverages provided in the forms shown above,
1. the percentage deductible shown for the applicable premises will apply; or
3.
contributes in any sequence to,
1.
contributes concurrently to; or
2.
Property Damage Dollar Deductible shown in the Schedule above; and
In no event will the deductible amount determined above be less than the applicable
Under
after application of Coinsurance, if applicable;
building personal property
if no percentage deductible is shown, then the Property Damage Dollar
in excess of the applicable Property Damage Percentage Deductible or
Deductible amount shown for the applicable premises will apply.
Deductible, Sc
, is the lesser of the applicable
Additional Peril - Flood Limit/Deductible Or Waiting Period (Per Occurrence) continued
80-02-1428 (Rev. 3-19) Endorsement 6
Property Insurance
Form Page
(continued)
G.
insurance,
shown
both specific insurance and blanket insurance,
Deductible
F.Insurance
subject to their applicable
orLimits
Schedulethe
If a loss involves
in
covered property that sustained direct physical loss or damage; and
Of
Property Damage Dollar Deductible:
respectiveinsurance and separately for specific
will
1.
that sustained loss or damage:
building at two or more premises); or
building
2.
We will pay the loss or damage in excess of such deductible amount determined
or
be determined and apply separately for blanket
at two or more premises).
of the
2.
above, subject to the applicable Limit Of Insurance for each insured type of coverage.
1.
Blanket Insurance and Loss Limit Of Insurance:
Of Insurance.
in that
amount
Types
In determining the amount, if any, that we will pay for loss or damage for eachpremises shown in the Schedule above, we will separately at each premises
a.
if the applicable premises shown in the Schedule above shows Apply Percentage
we will separately for each type of coverage:
above.
the
lesser Limits
each specific type of coverage that sustained direct physical loss or damage,In determining the amount, if any, that we will pay for loss or damage for
Specific Insurance:
personal property
Limits
are
deductible
Blanket and Loss Limit insurance covers:
Insurance
a.
To Statement Of Values, we will multiply the deductible percentage shown in the
The applicable Limits Of Insurance for the property coverages:
b.
coverages
the 100% values you most recently furnished to us for the types of
a.
(2)
located at the same premises that sustained loss or damage, to determine the
b.
pay the loss or damage in excess of such deductible amount determined above,
a.
subject to the applicable Limits Of Insurance for such covered property.
b.
apply the applicable percentage shown in the Schedule above to the sum of:
of
or damage.
correspondingin the
Of
personal property
furnished to us for the type of covered property that sustained direct physical lossSchedule above for that premises, by the 100% values you most recently
applicable Limit Of Insurance shown in the Declarations; orapply the applicable deductible percentage shown in the Schedule above, to the
(1)
applicable deductible; and
and
do not apply until the amount of loss or damage exceeds the
(for example,
personal property
applicable deductible amount shown above; and
buildings
Declarations
one type of coverage at two or more premises under a single Limit Of Insurance
Insurance (for example: two or more types of coverage at one or more premises under a single Limit Of
the 100% values you most recently furnished to us for the same types ofcovered property that did not sustain direct physical loss or damage, but are
andthe
and
Additional Peril - Flood Limit/Deductible Or Waiting Period (Per Occurrence) continued
80-02-1428 (Rev. 3-19) Endorsement 7
Property Insurance
Form Page
3605-43-62 LIO
JANUARY 1, 2020
Waiting Period
or as otherwise
property
) in excess
Deductible
: (continued)
Endorsement
under this policy; or
which insures against loss or damage caused by
Policy Number
flood
primary insurance
business income
at the premises shown above and
Effective Date
flood
, the Waiting Period provision is deleted:
rental income
or
Property Insurance
or
.
the Declarations�
for the premises shown in the Schedule above;
For the peril of
waiting
flood
shown in
and to each type of coverage that sustained
If no waiting period is shown in the Schedule above, the waiting period will be the:
by a
�
for any premises shown in the Declarations; and
�
for any premises not shown in the Schedule above and not shown in the Declarations,
�
4.
to
flood
deductible shown in the Schedule above; and
primary insurance
�
Should you have
extra expense
loss that is incurred after the applicable Waiting
�
only with respect to the forms shown above;
primary insurance
shown;
�
1. exceeds the
period
occurrence
property
primary insurance
�
or resulting from
Following covered direct physical loss or damage to at any premises not shown in the Schedule above and not shown in the Declarations, we will pay
Period shown in the Schedule above, not to exceed the applicable Limits Of Insurance.
The applicable Waiting Period shown in the Schedule above:
or
.
loss; and
�
covered peril
flood
deductible shown in the Schedule above, no deductible shall apply
the amount of
apply in excess of the applicable deductible amount.
and is replaced by the following:
deductible shown in the Schedule above,
H.
2.
the
;
direct physical loss or damage;
only applies at premises that suffers a
we will pay the amount of loss or damage (after deduction for
begins immediately following the direct physical loss or damage to
does not apply to
of the difference between:
rental income
applies separately for each
3.
the amount of loss payable under your
applicable
is less than the
, if the amount of loss payable under your
b.
business income
flood
Additional Peril - Flood Limit/Deductible Or Waiting Period (Per Occurrence) continued
80-02-1428 (Rev. 3-19) Endorsement 8
Property Insurance
Form Page
(continued)
, -
means:
only when, Flood Includes Inundation, Back-
Flood
Definitions
Mudflow
Loss Payment Basis
Waiting Period
Definitions
Inundation, Back-up And
whichever is longer.
that ensues from flood; or
� first 24 consecutive hours following the direct physical loss or damage,
, our valuation
�
mudslide or mudflow;
up and mudflow Flood
specified peril
� tsunami resulting from earthquake.
Up And Mudflow is shown under premises in the Schedule above.
Flood
other pathways, and
.
any other body of water or watercourse, whether driven by wind or not.of natural or man-made lakes, reservoirs, ponds, brooks, rivers, streams, harbors, oceans, or
�
a
doors or windows; or
Under Definitions, the following definitions are added:
Inundation, back-up and mudflow
A.
rising or overflowing or breaking of any boundary,
insurance and the will include any difference in loss payment due to a difference in methods of valuation under this
B.
waves, tidal water or tidal waves; or
In the event of loss or damage covered by this insurance and
Under Loss Payment Basis, the following is added:
C.
4.
basements, whether paved or not;
Under Definitions, the definition of Flood is deleted and replaced with the following:
Flood
foundations, walls or paved surfaces;
�
3.
inundation
any back-up or overflow from a sewer, drain or sump resulting from any of the foregoing.
2.
primary insurance
1.
water under the ground surface pressing on, or flowing or seeping through:
surface water;
means:
does not include:
includes back
primary insurance
Additional Peril - Flood Limit/Deductible Or Waiting Period (Per Occurrence) last page
80-02-1428 (Rev. 3-19) Endorsement 9
Property Insurance
Form Page
3605-43-62 LIO
JANUARY 1, 2020
Primary Insurance
Inundation, Back-up And
(continued)Mudflow
Definitions
from a , -
also means any other valid and collectible insurance covering any amount
Inundation back up and mudflow
Property Insurance
does not mean ensuing loss or damage caused by or resulting
Effective Date
means insurance covering all or any part of the deductible amount stated in
Policy Number
.
Endorsement
insurance provided by this policy.in excess of the deductible amount stated in the Schedule above, but does not mean any
the Schedule above and includes insurance provided under the National Flood Insurance Program.
Primary insurance
Primary insurance
specified peril
UVWX
All other terms and conditions remain unchanged.
Authorized Representative
Windstorm Or Hail Deductible Or Waiting Period continued
80-02-1324 (Rev. 10-06) Endorsement 1
Property Insurance
Form Page
JANUARY 1, 2020 TO JANUARY 1, 2021
JANUARY 1, 2020
3605-43-62 LIO
TULSA COUNTY PUBLIC FACILITIES AUTHORITY
FEDERAL INSURANCE COMPANY
JANUARY 6, 2020
This Endorsement applies to the following forms:
Insured
Policy Number
Endorsement
Policy Period
Effective Date
Name of Company
Date Issued
Property Insurance
BUILDING AND PERSONAL PROPERTY BUSINESS INCOME WITH EXTRA EXPENSE PROPERTY/BUSINESS INCOME CONDITIONS & DEFINITIONS
SCHEDULE
4145 E 21ST ST TULSA, OKLAHOMA 74114 COUNTY OF TULSA
Premises:
4503 E 21ST ST TULSA, OKLAHOMA 74114 COUNTY OF TULSA
Premises:
3901 E 21ST ST TULSA, OKLAHOMA 74114 COUNTY OF TULSA
Premises:
1701 S LOUISVILLE AVE TULSA, OKLAHOMA 74112 COUNTY OF TULSA
Premises:
4705A E 21ST ST TULSA, OKLAHOMA 74114 COUNTY OF TULSA
Premises:
3902 E 15TH ST TULSA, OKLAHOMA 74112 COUNTY OF TULSA
Premises:
4609 E 21ST ST TULSA, OKLAHOMA 74114 COUNTY OF TULSA
Premises:
Windstorm Or Hail Deductible Or Waiting Period continued
80-02-1324 (Rev. 10-06) Endorsement 2
Property Insurance
Form Page
Property Endorsement(continued)
1701 S LOUISVILLE AVE TULSA, OKLAHOMA 74112 COUNTY OF TULSA
Premises:
4116 E 15TH ST TULSA, OKLAHOMA 74112 COUNTY OF TULSA
Premises:
4004 E 15TH ST TULSA, OKLAHOMA 74112 COUNTY OF TULSA
Premises:
4000 E 15TH ST TULSA, OKLAHOMA 74112 COUNTY OF TULSA
Premises:
1947 S KNOXVILLE AVE TULSA, OKLAHOMA 74112 COUNTY OF TULSA
Premises:
1914 S LOUISVILLE AVE TULSA, OKLAHOMA 74112 COUNTY OF TULSA
Premises:
4017 E 21ST ST TULSA, OKLAHOMA 74114 COUNTY OF TULSA
Premises:
4565 E 21ST ST TULSA, OKLAHOMA 74114 COUNTY OF TULSA
Premises:
4149 E 21ST ST TULSA, OKLAHOMA 74114 COUNTY OF TULSA
Premises:
Property Damage Percentage Deductible: 1% Property Damage Minimum Dollar Deductible: $ 250,000
72 HOURSWaiting Period:
The following counties in the state of Alabama:
Tier 1 locations means:
If Tier 1 or Tier
� Baldwin, Mobile
2 is shown in the Schedule above, the following applies:
Windstorm Or Hail Deductible Or Waiting Period continued
80-02-1324 (Rev. 10-06) Endorsement 3
Property Insurance
Form Page
JANUARY 1, 2020
3605-43-62 LIO
Property Insurance
Endorsement
Effective Date
Policy Number
� Bay, Brevard, Broward, Charlotte, Citrus, Collier, Dade, Dixie, Duval, Escambia, Flagler, Franklin, Gulf, Hernando,
�
Hillsborough, Indian River, Jefferson, Lee, Levy, Manatee, Martin, Monroe, Nassau, Okaloosa, Palm Beach, Pasco, Pinellas,
The following counties in the state of Georgia:
The following counties in the state of Florida:
Santa Rosa, Sarasota, St. Johns, St. Lucie, Taylor, Volusia, Walton, and Wakulla
Bryan, Camden, Chatham, Glynn, Liberty, McIntosh
�
�
The following counties in the state of Mississippi:
�
The following counties in the state of North Carolina:
The following parishes in the state of
Brunswick, Camden, Carteret, Currituck, Dare, Hyde, New Hanover, Onslow, Pamlico, Pender
Hancock, Harrison, Jackson
Cameron, Iberia, Jefferson, Lafourche, Orleans, Plaquemines, St. Bernard, St. Mary, St. Tammany, Terrebonne, Vermilion
Louisiana:
� Beaufort, Berkeley, Charleston, Colleton, Georgetown, Horry, Jasper
� Aransas, Brazoria, Calhoun, Cameron, Chambers, Galveston, Kenedy, Kleberg, Jackson, Jefferson, Matagorda, Nueces, Refugio,
The following counties in the state of Texas:
�
San Patricio, Willacy
The following counties in the state of Virginia:
The following counties in the state of South Carolina:
Accomack, City of Virginia Beach, Northhampton
� Clarke, Covington, Escambia, Geneva, Monroe, Washington
� Rest of State (Other than Tier 1 Florida counties)
The following counties in the state of Florida:
� Brantley, Charlton, Effingham, Long, Wayne
The following counties in the state of Georgia:
Tier 2 locations means:
The following counties in the state of Alabama:
Windstorm Or Hail Deductible Or Waiting Period continued
80-02-1324 (Rev. 10-06) Endorsement 4
Property Insurance
Form Page
Property Endorsement(continued)
�
�
The following counties in the state of Mississippi:
�
The following counties in the state of North Carolina:
The following parishes in the state of Louisiana:
Acadia, Assumption, Calcasieu, Jefferson Davis, Lafayette, St. Charles, St. James, St. John the Baptist, St. Martin
George, Pearl River, Stone
Beaufort, Columbus, Craven, Jones, Pasquotank, Perquimans, Tyrrell
� Dorchester, Hampton, Marion, Williamsburg
� Bee, Brooks, Fort Bend, Goliad, Hardin, Harris, Hidalgo, Jim Wells, Liberty, Orange, Victoria, Wharton
The following counties in the state of Texas:
� City of Chesapeake, City of Hampton, City of Newport News, City of Norfolk, City of Portsmouth
The following counties in the state of Virginia:
The following counties in the state of South Carolina:
Policy language follows
Windstorm Or Hail Deductible Or Waiting Period continued
80-02-1324 (Rev. 10-06) Endorsement 5
Property Insurance
Form Page
JANUARY 1, 2020
3605-43-62 LIO
Deductible
pr
E.
the peril
ev
premises
not
,
deductible shown
determined
the
in
�
is repla
with
all the
of
theshown
in
shown
provision
shown
�
for each
ent
application
in
the
de
the
Schedule
the
and
and
�
for any
bywe
r
shown
ollar
the
of:
Property Damage
or
and
for the premises
theD
the
any
Limits
the
:
above:
Schedule
A.
In
the lesser
percentage
deductible
is shown,
in
direct physical or
C.
3.
no
of
no
percentage
deductible
is
Of
shown
the
will
or
Property Insurance
Deductible
coverages
in
the P
Declarations
will
Dollar
B.
For t
ced
amage
deductible
Coinsurance,
Schedule
ovided
the
above,
Endorsement
the
pay,from
property
shown
the
DollarSchedule above,
above.
Effective Date
by
will
shown
of
shown in
Minimum
n
Schedule
in the
D. The
a
for
respect
Property Damage
Schedule above
above
above; and
Policy Number
percentage
for
Deductible amount
applicable
above;
than
shown
For
2.
most
lowest
applicable
windstorm
for
for
is deleted
in
in
only
applicable
benot
Property
The
he premises shown
in
the
Schedule
if
in
the
in
Percentage
2.
ny
premises
percentage
in
the
shown
show
the
1.
if no
the
Dollar
applicableshown
in
above
caused
occurrence
property
occurrence
applicable;
shown.
windstorm
3.
after
of
Dollar
greater
applicable
Insurance
Schedule
the forms
theDamage Minimum
deductible
Schedule
,
then
above applies
Deductible
at
above,
For
Damage
following:
deductible
shown
the
Schedule
subject
Property
1. the
applicable
deductible
orwill
to the forms
ble
above;
2.
if
excess
applicable
ductible
above;
1.
amount
the
Deducti
amount
premises
is
applicable
.
Deductiblein
will
the
esulting
in
D
the
shown
Deductible Amount;
the applicable
apply;
Declarations,
eclarations,
in
:
be
and
then
apply;
to
eductibleroperty Damage
the lowest
otherwise
not shown
.
damage
each premises
premises
the D
or
to
as
P
less applicable
loss
or
property
Declarations
D
its
roperty
separately
or
Windstorm Or Hail Deductible Or Waiting Period continued
80-02-1324 (Rev. 10-06) Endorsement 6
Property Insurance
Form Page
(continued)le
G.
following meanings:
each
covers
that
for
shown
direct
Deductib F.
1.
a
used
involves
for
more
or
example,
two
covers:2.
determined andto
or
applicable
the
in
Of
or more
Insurance
beloss
in
subject
Percentage
the
(for
you
the
at
Insurance.
sustained
If
We will
type
Loss
Limits
insurance
deductible;
in
deductible
atr
Property Damage
applicable
Schedule
Limit
type
the
buildingseparate
that
Types
Specific
Insurance
applicable Limits
of
Of Insurance
Declarations;
loss
insurance,
this
and
apply
coverage
us
property
Of
such
more
for
of
1.
In determining
to
the
personal
of
Limits
percentage shown
physical
2.
b.
determining
furnished
type
above
Of
we
two
insurance,
shown
for
As
separately
at one
loss
personal
sustained direct
covered property
y
Specific
pay
the
coverage
to
deductible
Insurance:
under
by the
amount
a.
coverages
the
the
types of
if any,
and
shown
direct
and
loss
sustainedshown
and
the
Loss
if any,
Of
shown in
separately
amount
Blanket
the
the
specific insurance
most
of
insurance�
premises
damage,
forIn
pay
type
the
and
damage.
type
Values,
es
and
more
loss
a
above, subject
loss
separately
you most
in
of
premises,
propert
Schedule
b.
applicable
damage:
each
g
in
that
Of Insurance
Schedule
us
for
a.
building
loss
su
property
property
we will
the
physical loss
specific
insurance
amount,
Insurance
blanket
or
deductible
the
in
or
he
Insuran
Insurance:
the
premises
coverage:
sustain
more
or
the
insured
to
a.
(2)
loss
in
of
Limit
damage
Limits
we will pay for loss
Blanket
).
theto
in
amount,
coverage
coverage
the
for
separately
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Windstorm Or Hail Deductible Or Waiting Period continued
80-02-1324 (Rev. 10-06) Endorsement 7
Property Insurance
Form Page
JANUARY 1, 2020
3605-43-62 LIO
(continued)
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Windstorm Or Hail Deductible Or Waiting Period last page
80-02-1324 (Rev. 10-06) Endorsement 8
Property Insurance
Form Page
Windstorm
Windstorm
driven
the following is added:
directly or
would
or
Definitions
Windstorm
does
other
;
other
hail),
caused by or resulting
�
loss or
of
means:
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or not.
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if such
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or
in
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any
concurrently
� snow;
� sleet
-
whether driven
Under Definitions
;
UVWX
All other terms and conditions remain unchanged.
Authorized Representative
COMMON
POLICYCommon Policy Conditions Section
CONDITIONS
Form 80-02-9099 (Ed. 4-94) Common Conditions
Policy Conditions
Schedule of Forms
Policy Period JANUARY 1, 2020 TO JANUARY 1, 2021
Effective Date JANUARY 1, 2020
Policy Number 3605-43-62 LIO
Insured TULSA COUNTY PUBLIC FACILITIES AUTHORITY
Name of Company FEDERAL INSURANCE COMPANY
Date Issued JANUARY 6, 2020
BBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBB
The following is a schedule of forms issued as of the date shown above:
Edition Effective DateForm Number Date Form Name Date Issued80-02-9001 6-98 HOW TO REPORT A LOSS 01/01/20 01/06/2080-02-9090 6-05 COMMON POLICY CONDITIONS 01/01/20 01/06/2080-10-9105 4-94 OKLAHOMA - IMPORTANT NOTICE 01/01/20 01/06/2080-02-9725 9-03 OKLAHOMA MANDATORY-COMMON SECT.-CANCEL.TERM 01/01/20 01/06/2080-02-9790 3-12 COND - CIVIL UNIONS OR DOMESTIC PARTNERSHIPS 01/01/20 01/06/2080-02-9800 12-08 INSURING AGREEMENT 01/01/20 01/06/2099-10-0732 1-15 NOTICE TO POLICYHOLDERS-TRIPRA 01/01/20 01/06/2099-10-0792 9-04 IMPORTANT NOTICE - OFAC 01/01/20 01/06/2099-10-0822 1-06 OKLAHOMA IMPORTANT NOTICE - FRAUD WARNING 01/01/20 01/06/2099-10-0872 6-07 AOD POLICYHOLDER NOTICE 01/01/20 01/06/20
last page
Form 80-02-9999 (ED. 6-95) Schedule of Forms Page 1
Common Policy Conditions
Contract
Common Policy Conditions
Form 80-02-9090 (Rev. 6-05) Contract Page 1 of 2
Conditions The following Conditions are included under each part of the policy, unless stated otherwise.
Audit Of Books AndRecords
We may audit your books and records as they relate to this insurance at any time during the term ofthis policy and up to three years afterwards.
Cancellation The first named insured may cancel this policy or any of its individual coverages at any time by sending us a written request or by returning the policy and stating when thereafter cancellation is totake effect.
We may cancel this policy or any of its individual coverages at any time by sending to the firstnamed insured a notice 60 days (20 days in the event of non-payment of premium) in advance ofthe cancellation date. Our notice of cancellation will be mailed to the first named insured's lastknown address, and will indicate the date on which coverage is terminated. If notice of cancellation is mailed, proof of mailing will be sufficient proof of notice.
The earned premium will be computed on a pro rata basis. Any unearned premium will be returned as soon as practicable.
Changes This policy can only be changed by a written endorsement that becomes part of this policy. Theendorsement must be signed by one of our authorized representatives.
Compliance By Insureds We have no duty to provide coverage under this policy unless you and any other involved insuredhave fully complied with all of the terms and conditions of the policy.
Compliance WithApplicable TradeSanctions
This insurance does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit us from providing insurance.
Conformance Any terms of this insurance which are in conflict with the applicable statutes of the State in which this policy is issued are amended to conform to such statutes.
First Named Insured The person or organization first named in the Declarations is primarily responsible for payment ofall premiums. The first named insured will act on behalf of all other named insureds for the givingand receiving of notice of cancellation or nonrenewal and the receiving of any return premiums thatbecome payable under this policy.
Inspections And Surveys We may:
� make inspections and surveys at any time;
� give you reports on the conditions we find; and
� recommend changes.
Common Policy Conditions
Form 80-02-9090 (Rev. 6-05) Contract Page 2 of 2
Conditions
Inspections And Surveys(continued)
Any inspections, surveys, reports or recommendations relate only to insurability and the premiums to be charged. We do not make safety inspections. We do not undertake to perform the duty of anyperson or organization to provide for the health or safety of workers or the public. And we do not warrant that conditions:
� are safe or healthful; or
� comply with laws, regulations, codes or standards.
This condition applies not only to us, but also to any rating, advisory, rate service or similarorganization which makes insurance inspections, surveys, reports or recommendations for us.
Titles Of Paragraphs The titles of the various paragraphs of this policy and endorsements, if any, attached to this policy are inserted solely for convenience or reference and are not to be deemed in any way to limit or affect the provisions to which they relate.
Transfer Of Rights AndDuties
Your rights and duties under this insurance may not be transferred without our written consent.However, if you die, then your rights and duties will be transferred to your legal representative, butonly while acting within the scope of duties as your legal representative, or to anyone havingtemporary custody of your property until your legal representative has been appointed.
When We Do Not Renew If we decide not to renew this policy, we will mail or deliver to the first named insured�s last known address, written notice of the nonrenewal not less than 60 days before the expiration date. If noticeof nonrenewal is mailed, proof of mailing will be sufficient proof of notice.
COMMON
POLICYCommon Policy Conditions Section
ENDORSEMENTS
Endorsements
Form 80-02-9399 (Ed. 4-94) Endorsements
JANUARY 1, 2020 TO JANUARY 1, 2021
JANUARY 1, 2020
3605-43-62 LIO
TULSA COUNTY PUBLIC FACILITIES AUTHORITY
FEDERAL INSURANCE COMPANY
JANUARY 6, 2020
COMMON POLICY CONDITIONS
Policy Conditions
Endorsement
Policy Period
Effective Date
Policy Number
Insured
Name of Company
Date Issued
Policy Conditions Oklahoma Mandatory continued
Form 80-02-9725 (Rev. 9-03) Endorsement Page 1
This Endorsement applies to the following forms:
The following changes are made as respects exposures in the state of Oklahoma.
Under Conditions, the provisions titled Cancellation and Nonrenewal are deleted and replaced bythe following:
Conditions
Cancellation We may cancel this policy by mailing or delivering to the first Named Insured written notice ofcancellation at least:
� 20 days before the effective date of cancellation if we cancel for nonpayment of premium;or
� 60 days before the effective date of cancellation if we cancel for any other reason.
After coverage has been in effect more than 45 business days or after the effective date of arenewal of this policy, no notice of cancellation will be issued by us unless it is based on at leastone of the following reasons:
A. nonpayment of premiums;
B. fraud or material misrepresentation in the procurement of the insurance or with respect toany claims submitted under it;
C. discovery of willful or reckless acts or omissions by you that increase any hazard insuredagainst;
Policy Conditions Oklahoma Mandatory continued
Form 80-02-9725 (Rev. 9-03) Endorsement Page 2
Conditions
Cancellation(continued)
D. the occurrence of a change in the risk that substantially increase any hazard insured againstafter insurance coverage has been issued or renewed;
E. violation of any local fire, health, safety, building or construction regulation or ordinancewith respect to any covered property or its occupancy that substantially increases any hazardinsured against;
F. a determination by the Insurance Commissioner that the continuation of the policy wouldplace us in violation of the insurance laws of this state;
G. your conviction of a crime having as one of its necessary elements an act increasing anyhazard insured against; or
H. loss of or substantial changes in applicable reinsurance.
Nonrenewal If we elect not to renew this policy, we will mail or deliver written notice of nonrenewal to thefirst Named Insured at least 60 days before:
� the expiration date of this policy; or
� an anniversary date of this policy, if it is written for a term longer than one year or with nofixed expiration date.
Any notice of nonrenewal will be mailed or delivered to the first Named Insured at the lastmailing address known to us.
If notice is mailed:
� It will be considered to have been given to the first Named Insured on the day it is mailed.
� Proof of mailing will be sufficient proof of notice.
If notice of nonrenewal is not mailed or delivered at least 45 days before the expiration date or ananniversary date of this policy, coverage will remain in effect until 45 days after notice is given.Earned premium for such extended period of coverage will be calculated pro rata based on therates applicable to the expiring policy.
We will not provide notice of nonrenewal if:
� we, or another company within the same insurance group, have offered to issue a renewalpolicy; or
� you have obtained replacement coverage or have agreed in writing to obtain replacementcoverage.
If we have provided the required notice of nonrenewal as described in the first paragraph above,and thereafter extend the policy for a period of 90 days or less, we will not provide an additionalnonrenewal notice with respect to the period of extension.
Under Conditions, the following provision is added:
Conditions
Premium Or CoverageChanges At Renewal
If we elect to renew this policy, we will give written notice of any premium increase, change indeductible, or reduction in limits or coverage, to the first Named Insured, at the last mailingaddress known to us.
JANUARY 1, 2020
3605-43-62 LIO
UVWX
Policy Conditions
Endorsement
Effective Date
Policy Number
Policy Conditions Oklahoma Mandatory last page
Form 80-02-9725 (Rev. 9-03) Endorsement Page 3
Conditions
Premium Or CoverageChanges At Renewal(continued)
Any such notice will be mailed or delivered to the first Named Insured at least 45 days before:
� the expiration date of this policy; or
� an anniversary date of this policy, if it is written for a term longer than one year or with nofixed expiration date.
If notice is mailed:
� it will be considered to have been given to the first Named Insured on the day it is mailed;and
� proof of mailing will be sufficient proof of notice.
If the first Named Insured accepts the renewal, the premium increase or coverage changes will beeffective the day following the prior policy's expiration or anniversary date.
If notice is not mailed or delivered at least 45 days before the expiration date or anniversary dateof this policy, the premium, deductible, limits and coverage in effect prior to the changes willremain in effect until:
� 45 days after notice is given; or
� the effective date of replacement coverage obtained by the insured;
whichever occurs first.
If the first Named Insured then elects not to renew, any earned premium for the resulting extendedperiod of coverage will be calculated pro rata at the lower of the new rates or rates applicable tothe expiring policy.
We will not provide notice of the following:
� changes in a rate or plan filed with or approved by the State Board for Property andCasualty rates or filed pursuant to the Commercial Property and Casualty Competitive LossCost Rating Act and applicable to an entire class of business;
� changes which are based upon the altered nature or extent of the risk insured; or
� changes in policy forms filed with or approved by the Insurance Commissioner andapplicable to an entire class of business.
All other terms and conditions remain unchanged.
Authorized Representative
JANUARY 1, 2020 TO JANUARY 1, 2021
JANUARY 1, 2020
3605-43-62 LIO
TULSA COUNTY PUBLIC FACILITIES AUTHORITY
FEDERAL INSURANCE COMPANY
JANUARY 6, 2020
UVWX
COMMON POLICY CONDITIONS
Form 80-02-9790 (Ed. 3-12)
to the following
Conditions, the following condition
Civil Unions Or Domestic
last page
Partnerships
appliesThis Endorsement
Conditions
Page 1
Policy Conditions
Endorsement
terms and conditions remain unchanged.
Conditions � Civil Unions Or Domestic Partnerships
Endorsement
Name of Company
Policy Conditions
is added.
Policy Number
Effective Date
Policy Period
Under
forms:
partnership recognized under the applicable law of the jurisdiction having authority.All references in the policy to �spouse� include a party to a civil union or domestic
Authorized Representative
Date Issued
Insured
All other
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