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HomeMy WebLinkAboutSenior Center Craft Shop - Insurance Certificate (2020)o CERTIFICATE OF LIABILITY INSURANCE DATE(MM/DD/YYYY) AC40 11� 107/02/2019 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. TH,I� CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZE[ REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must have ADDITIONAL INSURED provisions or be endorsed If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER CONTAI NAME: CT Angie Phillips PCB Insurance Services, LLC I (A/C,"No. ExA08-847-1000 A/c, No):408-848-2314 P.O. 1749 E-MAIL ADDRESS: anqie@pacbenins.com _ Gilroy, CA 95021 I INSURER(S) AFFORDING COVERAGE NAIC # INSURER A :Liberty Mutual Insurance INSURED INSURER B Gilroy Senior Craft Store I INSURER C 7371 Hanna Street I INSURER D Gilroy, CA 95020 I INSURER E : INSURER F : COVERAGES CERTIFICATE NUMBER: REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR TYPE OF INSURANCE ADDL SUBR LTR IySD WVD POLICY NUMBER POLICY EFF POLICY EXP (MM/DD/YYYY) (MM/DD/YYYY) LIMITS A X ,COMMEPCIAL.PI=NERA..LIABILITY BZS ! " ' ' ' 01 04/02/2019 04/02/2020 EACH OCCURRENCE $1,000,000 CLAIMS -MADE ® OCCUR DAMAGE RENTE PREM SESO(Ea occurrence) $1 , 000, 000 MED EXP (Any one person) 05,000 PERSONAL & ADV INJURY $1 ,000,000 GEN'LAGGREGATE LIMIT APPLIES PER: I GENERAL AGGREGATE $2,000,000 X POLICY JECT LOC PRODUCTS -COMP/OP AGG s2,000,000 OTHER: $ AUTOMOBILE LIABILITY A - BZS 58664301 COMBINED SINGLE LIMIT 04/02/2019 04/02/2020 (Ea accident) $1, 000, 000 ANY AUTO BODILY INJURY (Per person) $ x OWNED SCHEDULED BODILY INJURY (Per accident) $ AUTOS ONLY AUTOS HIRED X NON -OWNED PROPERTY DAMAGE I $ AUTOS ONLY AUTOS ONLY (Per accident) UMBRELLA LIAR OCCUR EACH OCCURRENCE $ EXCESS LIAB CLAIMS -MADE AGGREGATE $ DED I RETENTION $ $ WORKERS COMPENSATION AND EMPLOYERS' LIABILITY Y / N SPER TATUTE EORH ANY PROPRIETOR/PARTNER/EXECUTIVE E.L. EACH ACCIDENT $ OFFICER/MEMBER EXCLUDED? ❑ N / A (Mandatory in NH) E.L. DISEASE - EA EMPLOYEE $ If yes, describe under DESCRIPTION OF OPERATIONS below E.L. DISEASE - POLICY LIMIT $ DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) Certificate holder is named as Additional Insured as respects to liability. CERTIFICATE HOLDER CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE Cityof Gilroy, Its agents, officer to THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN y' gencer anemployees yees ACCORDANCE WITH THE POLICY PROVISIONS. 7351 Rosanna St Gilroy, CA 95020 AUTHORIZED -REPRESENT VE BJV ©1988-2015 ACORD CORPORATION. All rights reserved. ACORD 25 (2016/03) The ACORD name and logo are registered marks of ACORD Printed by BJV on July 02, 2019 at 03:49PM POLICY NUMBER: BUSINESSOWNERS BP 04 02 07 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED -MANAGERS OR LESSORS OF PREMISES This endorsement modifies insurance provided under the following: BUSINESSOWNERS COVERAGE FORM SCHEDULE Designation Of Premises (Part Leased To You): 7371 Hanna St Gilroy CA 95020-6129 Name Of Person(s) Or Organization(s) (Additional Insured): City of Gilroy its agents, officers and employees 7351 Rosanna Street GILROY, CA 95020 Additional Premium: $ Information required to complete this Schedule, if not shown above, will be shown in the Declarations. Section II - Liability is amended as follows: A. The following is added to Paragraph C. Who Is An Insured: 3. The person(s) or organization(s) shown in the Schedule is also an additional in- sured, but only with respect to liability arising out of the ownership, mainten- ance or use of that part of the premises leased to you and shown in the Schedule. However: . a. The insurance afforded to such addi- tional insured only applies to the ex- tent permitted by law; and b. If coverage provided to the addition- al insured is required by a contract or agreement, the insurance afforded to such additional insured will not be broader than that which you are re- quired by the contract or agreement to provide for such additional in- sured. B. With respect to the insurance afforded to these additional insureds the following addi- tional exclusions apply: This insurance does not apply to: 1. Any "occurrence" that takes place after you cease to be a tenant in the premises described in the Schedule. 2. Structural alterations, new construction or demolition' operations performed by or for the person(s) or organization(s) des- ignated in the Schedule. C. With respect to the insurance afforded to these additional insureds, the following is added to Paragraph D. Liability And Medical Expenses Limits Of Insurance: If coverage provided to the additional insured is required by a contract or agreement, the most we will pay on behalf of the additional insured is the amount of insurance: 1. Required by the contract or agreement; or 2. Available under the applicable Limits Of Insurance shown in the Declarations; whichever is less. This endorsement shall not increase the ap- plicable Limits Of Insurance shown in the Declarations. BP 04 02 07 13 a Insurance Services Office, Inc., 2012 Page 1 of 1 Liberty utuil. INSURANCE Named Insured & Mailing Address GILROY SENIOR CRAFT STORE 7371 HANNA ST GILROY, CA 95020 Policyholder Information Dear Policyholder: Agent Mailing Address & Phone No. (408) 847-1000 PACIFIC COAST BENEFITS INSURANCE SERVICES LLC 7600 MONTEREY ST STE 140 GILROY, CA 95020-5264 We know you work hard to build your business. We work together with your agent, PACIFIC COAST BENEFITS INSURANCE (408) 847-1000 to help protect the things you care about. ",.Thank you for selecting us. Enclosed are your insurance documents consisting of: • Commercial Protector To find your specific coverages, limits of liability, and premium, please refer to your Declarations page(s). If you have any questions or changes that may affect your insurance needs, please contact your Agent at (408) 847-1000 Verify that all information is correct If you have any changes, please contact your Agent at (408) 847-1000 Reminders In case of a claim, call your Agent or 1-800-362-0000 You Need To Know CONTINUED ON NEXT PAGE To report a claim, call your Agent or 1-800-362-0000 DS 70 20 01 08 You Need To Know - continued NOTICE(S) TO POLICYHOLDERS) The Important Notice(s) to Policyholder(s) provide a general explanation of changes in coverage to your policy. The Important Notice(s) to Policyholder(s) is not a part of your insurance policy and it does not alter policy provisions or conditions. Only the provisions of your policy determine the scope of your insurance protection. It is important that you read your policy carefully to determine your rights, duties and what is and is not covered. FORM NUMBER TITLE CNI90 11.07 18 Reporting A Commercial Claim 24 Hours A Day NP 72 42.;01 15 Terrorism Insurance Premium Disclosure And Opportunity To Reject NP 74 44 09 06 U.S. Treasury Department's Office of Foreign Assets Control (OFAC) Advisory Notice to Policyholders NP 91 89 02 13 Important Information Consumer Affairs Policyholder Notice NP 91 91 02 13 Important Policyholder Information Concerning Billing Practices - California NP 93 54 07 13 Important Notice to Policyholders - Commercial Protector Coverage NP 98 20 01 15 Jurisdictional Boiler And Pressure Vessel Inspections This policy will be direct billed. You may choose to combine any number, of policies on one bill with your billing account. Please contact your agent for more information. CNI 90 1.1 07 18 REPORTING A COMMERCIAL CLAIM 24 HOURS A DAY Liberty Mutual Insurance claims professionals across the United States are ready to resolve your claim quickly and fairly, so you and your team can focus on your business. Our claims teams are specialized, experienced and dedicated to a high standard of service. We're Just a Call Away - One Phone Number to Report All Commercial Insurance Claims Reporting a new claim has never been easier. A Liberty Mutual customer service representative is available to you 24/7 at 800-362-0000 for reporting new property, auto, liability and workers' compensa- tion claims. With contact centers strategically located throughout the country for continuity and accessibility, we're there when we're needed! Additional Resource for Workers' Compensation Customers In many states, employers are required by law to use state -specific workers compensation claims forms and posting notices. This type of information can be found in the Policyholders Toolkit section of our website along with other helpful resources such as: i Direct links to state workers compensation websites where you can find state -specific claim forms Assistance finding local medical providers • First Fill pharmacy forms - part of our managed care pharmacy program committed to helping injured workers recover and return to work Our Policyholder Toolkit can be accessed at www.libertymutualgroup.com/toolkit. For all claims inquiries please call us at 800-362-0000. U 2018 Liberty Mutual Insurance CNI 90 11 07 18 Page 1 of 1 This page intentionally left blank. GILROY SENIOR CRAFT STORE 7371 HANNA ST GILROY, CA 95020 (408) 847-1000 PACIFIC COAST BENEFITS INSURANCE SERVICE$ LLC 7600 MONTEREY ST STE 140 GILROY, CA 95020-5264 BZS (20) 58 66 43 01 From 04/02/2019 To 04/02/2020 TERRORISM INSURANCE PREMIUM DISCLOSURE AND OPPORTUNITY TO REJECT This notice contains important information about the Terrorism Risk Insurance Act and its effect on your policy. Please read it carefully. THE TERRORISM RISK INSURANCE ACT The Terrorism Risk Insurance Act, including all amendments ("TRIA" or the "Act"), establishes a program to spread the risk of catastrophic losses from certain acts of terrorism between insurers and the federal government. If an individual insurer's losses from certified acts of terrorism exceed a specified deductible amount, the government will reimburse the insurer for a percentage of losses (the "Federal Share") paid in excess of the deductible, but only if aggregate industry losses from such acts exceed the "Program Trig- ger". An insurer that has met its insurer deductible is not liable for any portion of losses in excess of $100 billion per year. Similarly, the federal government is not liable for any losses covered by the Act that exceed this amount. If aggregate insured losses exceed $100 billion, losses up to that amount may be pro -rated, as determined by the Secretary of the Treasury. The Federal Share and Program Trigger by calendar year are: Calendar Year Federal Share Program Trigger 2015 85% $100,000,000 2016 84% $120,000,000 2017 83% $140,000,000 2018 82% $160,000,000 2019 81 % $180,000,000 2020 80% $200,000,000 MANDATORY OFFER OF COVERAGE FOR "CERTIFIED ACTS OF TERRORISM" AND DISCLOSURE OF PRE- MIUM TRIA requires insurers to make coverage available for any loss that occurs within the United States (or outside of the U.S. in the case of U.S. missions and certain air carriers and vessels), results from a "certified act of terrorism" AND that is otherwise covered under your policy. A "certified act of terrorism" means: [A]ny act that is certified by the Secretary [of the Treasury l , in consultation with the Secretary of Homeland Security, and the Attorney General of the United States. (i) to be an act of terrorism; NP 72 42 01 15 0 2015 Liberty Mutual Insurance Page 1 of 2 (ii) to be a violent act or an act that is dangerous to - (1) human life; (II) property; or (III) infrastructure; (iii) to have resulted in damage within the United States, or outside of the United States in the case of - (1) an air carrier (as defined in section 40102 of title 49, United States Code) or. United States flag vessel '-(or a vessel based principally in the. United States, on which United States income tax is paid and whose insurance coverage is subject to regulation in the United States); or (II) the premises of a United States mission; and (iv) to have been committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. REJECTING TERRORISM INSURANCE COVERAGE -WHAT YOU MUST DO We have included in your policy coverage for losses resulting from "certified acts of terrorism" as :defined above. THE PREMIUM CHARGE FOR THIS COVERAGE APPEARS ON THE DECLARATIONS PAGE OF THE. POLICY AND DOES NOT INCLUDE ANY CHARGES FOR THE PORTION OF LOSS COVERED BY THE FEDERAL GOV- ERNMENT UNDER THE ACT. If we are providing you with a quote, the premium charge will also :appear on your quote as,a separate line item charge. IF YOU CHOOSE TO REJECT THIS COVERAGE, PLEASE CHECK THE BOX BELOW, SIGN THE ACKNOWL- EDGMENT, AND RETURN THIS FORM TO THE ADDRESS BELOW: Please ensure anv reiection is received within thirtv (30) days of the effective date of vour Dolicv. Before making a decision to reject terrorism insurance, refer to the Disclaimer for Standard Fire Policy States located at the end of this Notice. ❑ I hereby reject this offer of coverage. I understand that by rejecting this offer, I will have no coverage for losses arising from "certified acts of terrorism" and my policy will be endorsed accordingly. Policyholder/Applicant's Signature Named Insured GILROY SENIOR CRAFT STORE Policy Effective/Expiration Date From 04/02/2019 To 04/02/2020 Print Name Date Signed Policy Number BZS (20) 58 66 43 01 IF YOU REJECTED THIS COVERAGE, PLEASE RETURN THIS FORM TO: Attn: Commercial Lines Division -Terrorism PO Box 66400 London, KY 40742-6400 Note: Certain states (currently CA, GA, IA, IL, ME, MO, NY, NC, NJ, OR, RI, WA, WI and WV) mandate coverage for loss caused by fire following a "certified act of terrorism" in certain types of insurance policies. If you reject TRIA coverage in these states on those policies, you will not be charged any additional premium for that state mandated coverage. The summary of the Act and the coverage under your policy contained in this notice is necessarily general in nature. Your policy contains specific terms, definitions, exclusions and conditions. In case of any conflict, your policy language will control the resolution of all coverage questions. Please read your policy carefully. If you have any questions regarding this notice, please contact your agent. NP 72 42 01 15 0 2015 Liberty Mutual Insurance Page 2 of 2 N P 74 44 09 06 U.S. TREASURY DEPARTMENT'S OFFICE OF FOREIGN ASSETS CONTROL ("OFAC") ADVISORY NOTICE TO POLICYHOLDERS No coverage is provided by this Policyholder Notice nor can it be construed to replace any provisions of your policy. You should read your policy and review your Declarations page for complete information on the coverages you are provided. This Notice provides information concerning possible impact on your insurance coverage due to directives issued by OFAC. Please read this Notice carefully. Please refer any questions you may have to your insurance :agent. The Office of Foreign Assets Control (OFAC) administers and enforces sanctions policy, based on Presiden- tial declarations of "national emergency". OFAC has identified and listed numerous: • Foreign agents; • Front organizations; • Terrorists; • Terrorist organizations; and • Narcotics traffickers; as "Specially Designated Nationals and Blocked Persons". This list can be located on the United States Treasury's web site - http//www.treas.gov/ofac. In accordance with OFAC regulations, if it is determined that you or any other insured, or any person or entity claiming the benefits of this insurance has violated U.S. sanctions law or is a Specially Designated National and Blocked Person, as identified by OFAC, this insurance will be considered a blocked or frozen contract and all provisions of this insurance are immediately subject to OFAC. When an insurance policy is considered to be such a blocked or frozen contract, no payments nor premium refunds may be made without authorization from OFAC. Other limitations on the premiums and payments also apply. 0 2011 Liberty Mutual Insurance. All rights reserved. NP 74 44 09 06 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 1 of 1 N P 91 89 02 13 IMPORTANT INFORMATION Consumer Affairs -California Because of the complicated nature of the insurance business, there may be times when you will have questions regarding your coverage or the premium charged, or a problem may occur with your policy. If this occurs we urge you to contact either your agent or broker to answer your question or resolve your problem. However, if you are unable to receive a satisfactory answer or resolution to your problem, please contact us directly: American Fire and Casualty Company Ohio Security Insurance Company The Ohio-- Casualty_ .Insurance. Company West American Insurance Company 1-800-688-8661 If you are still not satisfied, you may contact the' following State Agency: California Department of Insurance 300 South Spring Street Los Angeles, CA 90013 Toll Free Number: 1-800-927-HELP (Calif. only) NP 91 89 02 13 0 2013 Liberty Mutual Insurance Page 1 of 1 N P 91 91 02 13 IMPORTANT POLICYHOLDER INFORMATION CONCERNING BILLING PRACTICES - CALIFORNIA Dear Valued Policyholder: This insert provides you with important information about our policy billing practices that may affect you. Please review it carefully and contact .your agent if you have any questions. Premium Notice: We will mail you a policy Premium Notice separately. The Premium Notice will provide you with specifics regarding your agent, the account and policy billed, the billing company, payment plan, policy number, transaction dates, description of transactions, charges/credits, policy amount balance, mini- mum amount, and payment due date. This insert explains fees that may apply to and be shown on your Premium Notice. Available Premium Payment Plans: Annual Payment Plan: When this plan applies, you have elected to pay the entire premium amount balance shown on your Premium Notice in full. No installment billing fee applies when the Annual Payment Plan applies. • Installment Payment Plan: When this plan applies, you have elected to pay your policy premium in installments (e.g.: quarterly or monthly installments - Installment Payment Plans vary by state). As noted below, an installment fee may apply when the Installment Payment Plan applies. The Premium Payment Plan that applies to your policy is shown on the top of your Premium Notice. Please contact your agent if you want to change your Payment Plan election. Installment Payment Plan Fee: If you elected to pay your premiums in installments using the Installment Premium Payment Plan, an installment billing fee applies to each installment bill. The installment billing charge will not apply, however, if you pay the entire balance due when you receive the bill for the first installment. Because the amount of the installment charge varies from state to state, please consult your Premium Notice for the actual fee that applies. Dishonored Payment Fee: Your financial institution may refuse to honor the premium payment withdrawal request you submit to us due to insufficient funds in your account or for some other reason. If that is the case, and your premium payment withdrawal request is returned to us dishonored, a payment return fee will apply. Because the amount of the return fee varies from state to state, please consult your Premium Notice for the actual fee that applies. Late Payment Fee: If we do not receive the minimum amount due on or before the date or time the payment is due, as indicated on your Premium Notice, you will receive a policy cancellation notice effective at a future date that will also reflect a late payment fee charge. Issuance of the cancellation notice due to non-payment of a scheduled installment(s) may result in the billing and collection of all or part of any outstanding premiums due for the policy period. Late Payment Fees vary from state to state and are not applicable in some states. Special Note: Please note that some states do not permit the charging of certain fees. Therefore, if your state does not allow the charging of an Installment Payment Plan, Dishonored Payment or Late Payment Fee, the disallowed fee will not be charged and will not be included on your Premium Notice. EFT -Automatic Withdrawals Payment Option: When you select this option, you will not be sent Premium Notices and, in most cases, will not be charged installment fees. For more information on our EFT -Auto- matic Withdrawals payment option, refer to the attached policyholder plan notice and enrollment sheet. Schedule of Fees Type of Fee Fee Amount Installment Payment Plan Non Recurring Payment Option $10.00 EFT -Automatic Withdrawals Payment Option $0.00 Dishonored Payment $20.00 Late Payment $25.00 Once again, please contact your agent if you have any questions about the above billing practice informa- tion. Thank you for selecting us to service your insurance needs. NP 91 91 02 13 0 2013 Liberty Mutual Insurance Page 1 of 1 NP 93 54 07 13 IMPORTANT NOTICE TO POLICYHOLDERS - COMMERCIAL PROTECTOR COVERAGE (BOP 2006 to BOP 2013) Dear Valued Policyholder, Thank you for selecting us as your carrier for your commercial insurance. This notice contains a brief summary of the coverage changes made to your policy. The changes outlined below are organized by individual endorsements. Please note that not all of the endorsements noted may apply to your specific policy. In addition, this notice does not reference every editorial change made to the endorsement or coverage form, only significant coverage changes. Please read your policy and review your Declarations page for complete coverage information. No coverage is provided by this notice, nor can it be construed to replace any provisions of your policy. If there are discrepancies between your policy and this notice, the provisions of the policy shall prevail. Should you have questions after reviewing the changes outlined below, please contact your lindependent agent. Thank you for your business. Coverage Form Expiring Form Expiring Form Number New Form New Form Number Businessowners BP 00 03 01 06 Businessowners BP 00 03 07 13 Coverage Form Coverage Form Section I - Property 1. Broadenings Of Coverage Business Personal Property -Coverage Radius The Business Personal Property coverage grant is revised to extend coverage 100 feet from the buildings or structures, or 100 feet from the described premises, whichever distance is greater. • Vegetated Roofs Property Not Covered is revised to make an exception for lawns, trees, shrubs and plants that are part of a vegetated roof. The Limited Coverage For Fungi, Wet Rot Or Dry Rot Additional Coverage is revised to expressly state that the coverage does not apply to lawns, trees, shrubs or plants that are part of a vegetated roof. • Electronic Data In Building Equipment Property Not Covered is revised to make an exception for electronic data which is integrated in and operates or controls the building's elevator, lighting, heating, ventilation, air conditioning or secu- rity system. The Electronic Data and Interruption Of Computer Operations Additional Coverages are revised to reinforce that coverage does not apply to such electronic data, data that is integrated in and operates or controls the building's elevator, lightning, heating, ventilation, air conditionin g or security system . • Debris Removal The Limit of Insurance under the Debris Removal Additional Coverage, is increased from $10,000 to $25,000. Further, coverage for debris removal is expanded to include the expense of removing certain debris that is not Covered Property, however, when no Covered Property sustains direct physical loss or damage, coverage for the removal of debris, is limited to $5,000. f Business Income Additional Coverage - Extended Business Income The period of coverage under the Extended Business Income Additional Coverage is increased from 30 to 60 days. 2013 Liberty Mutual Insurance. All rights reserved. NP 93 54 07 13 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 1 of 18 • Additional Coverages - Civil Authority The period of coverage for the Civil Authority Additional Coverage is increased from three weeks to four weeks. • Business Income From Dependent Properties Additional Coverage - Secondary Dependent Prop- erties Coverage is extended to include secondary- dependent properties which are direct suppliers and recipients of the dependent property's materials or services, that are not owned or operated by a dependent property, but do not include any road, bridge, tunnel, waterway, airfield, pipeline, or any other similar area or structure. • Coverage Extensions - Outdoor Property The Outdoor Property Coverage Extension has been revised to provide an option to increase the applicable limit, but not more than $1000 for any one tree, shrub or plant. The Outdoor Property Coverage Extension is also revised to include debris removal expense for trees, shrubs and plants that are the property of others, except trees, shrubs and plants owned by the. landlord of an insured tenant. • Business Personal Property Temporarily In Portable Storage Units Coverage Extension A Coverage Extension for Business Personal Property Temporarily In Portable Storage Units is introduced. Under this Coverage Extension, a 90-day coverage period is provided for Business Personal Property temporarily stored in a portable storage unit located within 100 feet of the described premises, subject to a sub -limit of $10,000 regardless of the number of storage units. • Dishonesty Exclusion The Dishonesty Exclusion is revised to distinguish between those who have a role in the insured's business (partners, managers, employees, etc.) and others to whom property may be entrusted (a category that includes tenants and bailees, for example). With respect to the latter category, the exclusion is narrowed to apply only to theft. Further, the exception to the exclusion (which enables coverage for acts of destruction) is revised to extend applicability to authorized representativ es. • Exclusions - Business Income And Extra Expense The exception in the Business Income And Extra Expense Coverage Exclusion with respect to coverage for loss caused by or resulting from suspension, lapse or cancellation of any license, lease or contact directly caused by the suspension of operations has been expanded so that the exception will also apply during the extension of the "period of restoration" in accordance with the terms of that coverage.' • Property Loss Conditions - Loss Payment - Party Walls A provision within The Loss Payment - Property Loss Condition has been introduced that generally addresses exposures associated with party walls and the insureds interest in that party wall. • Optional Coverages - Equipment Breakdown Protection Coverage The Mechanical Breakdown Optional Coverage has been replaced with Equipment Breakdown Protection Coverage. If Equipment Breakdown replaces Mechanical Breakdown Coverage or is newly added to the policy, this change represents a broadening of coverage. • Specified Causes Of Loss Property Definition Coverage for water damage under the definition of "specified causes of loss" is expanded to include accidental discharge or leakage of water or waterborne material as the direct result of the breaking apart or cracking of certain off- premises systems due to wear and tear. 0 2013 Liberty Mutual Insurance. All rights reserved. NP 93 54 07 13 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 2 of 18 II. Reductions in Coverage • Property Not Covered Animals Property Not Covered has been revised to state that covered property does not include animals unless they are owned by others and being boarded by you, or your stock while inside buildings (however in both instances the covered causes of loss are limited to the "specified causes of loss" or building glass breakage, and then only if the animals are killed or their destruction, is made necessary. • Limitations The limitations regarding loss or damage to the interior of any building or structure caused by or resulting from rain, snow, sleet, ice, sand or dust has been extended to apply to personal property in the building or structure. • Additional Coverages - Civil Authority This coverage now requires that the damaged property triggering the exercise of civil authority be within one mile of the described premises. • Newly Acquired Or Constructed Property Coverage Extension Under the Newly Acquired Or Constructed Property Coverage Extension, the provision that extends an additional limit of insurance to newly acquired business personal property at the described premises is removed. There is .no change to the coverage for newly acquired business personal property at newly acquired locations or at newly constructed or acquired buildings at the described location. • Exclusions -Utility Services This exclusion now applies to utility failure that originates at the described premises, when such failure involves equipment used to provide utility service supplied by an off- premises provider. • Employee Dishonesty Optional Coverage An exclusion is introduced to the Employee Dishonesty Optional Coverage to address acts of employees learned of by the insured prior to the policy period. III. Other Changes • Business Personal Property The Business; Personal Property coverage grant is revised to reinforce :that business personal prop- erty is covered when located in or on the buildings or structures at the described premises. • Covered Causes Of Loss - Risk Of Loss The term "risk of is removed from the Covered Causes Of Loss provision. • Fire Department Service Charge Additional Coverage The Fire Department Service Charge Additional Coverage is revised to specify that the amount of such coverage ($2,500 or a designated higher limit) applies to each premises described in the Declarations. Further, the language of the coverage provision is revised to state that the designated limit applies regardless of the number of responders or the number or type of services performed. • Business Income And Extra Expense Additional Coverages - Coverage Radius In part, the coverage criteria for the Business Income and Extra Expense Additional Coverages relate to loss or damage to personal property in the open or in a vehicle within a certain distance from the described premises. The language relating to the coverage radius is revised to achieve more similarity between the radius outlined for insureds who are occupants of the entire premises or those who occupy only a part of the premises, and to use terminology similar to that used in the Business Personal Property coverage grant. 0 2013 Liberty Mutual Insurance. All rights reserved. NP 93 54 07 13 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 3 of 18 • Business Income From Dependent Properties Additional Coverage The Business Income From Dependent Properties Additional Coverage is revised to provide cov- erage with. respect to secondary dependent properties. Such properties are defined within this Additional Coverage. Additionally, the definition of dependent property excludes various utility providers; the list of utilities is updated to make reference to wastewater : removal services. With respect to Business Income Coverage, loss caused by interruption in utility service is addressed in Endorsement BP 04' 57. Refer to the item titled Utility Services - Time Element Endorsement BP 04 57 if that endorse- ment is part of your policy. ,_ • Temporary Or Leased Employees The Personal Effects Coverage Extension, the Dishonesty Exclusion and the Money And Securities Optional Coverage are revised to reinforce that employees include temporary or leased employees. • Ordinance Or Law Exclusion The language of the Ordinance Or Law Exclusion, which relates to enforcement of an ordinance or law, is revised to also refer to compliance with an ordinance or law. Similar references are revised in the Increased Cost Of Construction (ICC) and Business Income From Dependent Properties Additional Coverages, Loss Payment Condition and the Period of Res- toration definition. Further, the ICC Additional Coverage is revised to apply to compliance with the minimum standards of an ordinance or law. �- • Earth Movement Exclusion The Earth Movement Exclusion now reinforces that it applies to earth movement caused by an act of nature or otherwise caused. In addition, the term earthquake now incorporates tremors and aftershocks. With respect to coverage for volcanic action (which is a limited exception to the exclusion of volcanic eruption), all such eruptions that occur within any 168-hour period constitute a single occurrence. • Exclusions -Virus Or Bacteria The - Virus Or Bacteria Exclusion has been added to this form and incorporates the function of Exclusion Of Loss Due To Virus Or Bacteria Endorsement BP 06 01. • Exclusions - Artificially Generated Electrical Current The Electrical Apparatus Exclusion has been revised to incorporate various terms that reflect cur- rent understandings of technology with regard to power sources and associated systems. • Exclusion - Collapse The Collapse Exclusion has been revised in conjunction with revisions to reinforce the Collapse Additional Coverage. • Exclusions - Product Errors An exclusion has been added for loss or damage to any merchandise, goods or other product, caused by or resulting from error or omission in any stage of the development, production or use of the product. But if the error or omission results in a covered cause of loss, the loss or damage attributable to the ensuing covered cause of loss is covered. • Limits Of Insurance The Limits of Insurance provision has been revised to provide that the amounts of insurance for the Increased Cost Of Construction, Business Income From Dependent Properties, Electronic Data and Interruption Of Computer Operations Additional Coverages apply in addition to the Section I - Property Limits. 0 2013 Liberty Mutual Insurance. All rights reserved. NP 93 54 07 13 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 4 of 18 • Building Limit - Automatic Increase The Building Limit - Automatic Increase Limit of Insurance has been revised to indicate that the limit will increase by 8% unless a higher or lower annual percentage is shown in the Declarations. ® Business Personal Property Limit - Seasonal Increase The Business Personal Property Limit - Seasonal Increase provision has been revised to indicate that the Limit of Insurance for Business Personal Property will increase by 25% or by, a different percentage shown in the Declarations. • Deductibles The Deductibles provision has been revised to eliminate references to a separate glass deductible. Glass losses will now be subject to the otherwise applicable policy deductible. • Loss Payment Property Loss Condition The Loss Payment Property Loss Condition is revised to include an illustrative example. • Optional Coverages - Equipment Breakdown Protection Coverage The Mechanical Breakdown Optional Coverage has been replaced with Equipment Breakdown Protection Coverage. As a result we are withdrawing Equipment Breakdown Protection Endorse- ment BP 04 59. If the Equipment Breakdown Optional Coverage is replacing BP 04 59, there is no change in coverage. Section II -Liability I. Broadenings of Coverage: • Liquor Liability Exclusion The Liquor Liability Exclusion is revised to provide that, for the purposes of the exclusion, permitting a person to bring alcoholic beverages for consumption on an insured's premises (e.g., a "Bring Your Own"), whether or not a fee is charged or a license is required for such activity, is not by itself considered the business of selling, serving or furnishing alcoholic beverages. • Electronic Data Exclusion An exception to the Electronic Data Exclusion is introduced to provide that the exclusion does not apply to liability for damages because of bodily injury. • Who Is An Insured The Who Is An Insured Provision has been revised to include trusts as insureds. ll. Reductions in Coverage • Liquor Liability Exclusion The Liquor Liability Exclusion is revised to state that the Liquor Liability Exclusion applies even if the claims allege the negligence or other wrongdoing in: • The supervision, hiring, employment, training or monitoring of others; or • Providing or failing to provide transportation with respect to any person that may be under the influence of alcohol; if the occurrence which caused the bodily injury or property damage involved that which is de- scribed in Paragraph (1), (2) or (3) of the exclusion. III. Other Changes • Business Liability A reference to or any offense has been added within the insuring agreement for Business Liability with respect to an insurers right to investigate any occurrence and settle any claim or suit that may result. 2013 Liberty Mutual Insurance. All rights reserved. NP 93 54 07 13 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 5 of 18 • Coverage Extension -Supplementary Payments The Coverage Extension Supplementary Payments Provision has been revised to reinforce that coverage is provided for court costs taxed against the insured but that this does not include attor- ney's fees or attorney expenses taxed against the insured. While this change is considered to be a reinforcement of coverage intent, it may result in a decrease in coverage in jurisdictions where courts have ruled that plaintiff's attorneys' fees or attorneys' expenses taxed against the insured can be levied as a supplementary payment. • War Liability Exclusion The War Liability Exclusion is editorially revised. • Professional Services Exclusion The Professional Services Exclusion has been revised to add language noting that the exclusion applies even if the claims allege negligence or other wrongdoing in the hiring, employment, train- ing, supervision or monitoring of others by an insured, if it involved the rendering or failure to render any professional service. • Personal And Advertising Injury Exclusion _ The Personal And Advertising Injury Exclusion is revised for consistency with the definition of personal and advertising injury and to reinforce that the exclusion does not apply to injuries arising out of other intellectual property rights involving the use of another's advertising idea in the in- sured's advertisement. • Electronic Data Exclusion Under the Electronic Data Exclusion the definition of electronic data has been revised for consis- tency with the definition of electronic data under Section I - Property of the policy. • Recording And Distribution Of Material Or Information In Violation Of Law Exclusion The Distribution of Material in Violation of Statutes Exclusion has been revised, in part, to address actions or omissions that violate not only the Fair Credit Reporting Act (FCRA), but also the Fair and Accurate Credit Transactions Act (FACTA) and any federal, state or local statutes. The title of the exclusion has been revised to Recording And Distribution Of Material Or Information In Violation Of Law to reflect the revised provision. • Liability And Medical Expense The Liability And Medical Expense definition for Mobile Equipment has been editorially revised. Section III - Common Policy Conditions I. Other Changes • Other Insurance Condition The Other Insurance Condition is editorially revised. Endorsements Expiring Form Expiring Form Number New Form New Form Number Windstorm Or Hail BP 03 12 01 06 Windstorm Or Hail BP 03 12 01 10 Percentage Deductibles Percentage Deductibles I. Other Changes • This endorsement has been revised to delete the language pertaining to other causes or events that contribute concurrently or in any sequence and to add language that the endorsement does not imply or afford coverage for any loss or damage that is excluded under the Water Exclusion any other exclusion or the application of a Flood Deductible if this policy or another policy provides flood coverage. 2013 Liberty Mutual Insurance. All rights reserved. NP 93 54 07 13 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 6 of 18 Expiring Form Expiring Form Number New Form New Form Number Employment -Related BP 04 17 07 02 Employment -Related BP 04 17 01 10 Practices Exclusion Practices Exclusion I. Reductions in Coverage • The Employment -related Practices Exclusion has been revised to reinforce that the exclusion ap- plies to an injury -causing event associated with employment, whether it occurs before employ- ment, during employment or after employment of that person, and that coverage does not apply for injury caused by the malicious prosecution of a person. While these changes are each a reinforcement of coverage intent, they may result in a decrease in coverage in jurisdictions where courts have ruled the exclusion to be inapplicable in employment - related malicious prosecution claims and/or post -employment claims. ' Expiring Form Expiring Form Number New Form New Form Number Amendment - Liquor BP 04 19 01 06 Amendment - Liquor BP 04 19 07 13. Liability Exclusion - Liability Exclusion - Exception For Scheduled Exception For Scheduled Premises Or Activities Premises Or Activities I. Reductions in Coverage • The Liquor Liability Exclusion in this endorsement is revised, in part, to indicate that the causing or contributing to the intoxication of any person includes causing or contributing to the intoxication of,' any person because alcoholic beverages were permitted to be brought on your premises for con- sumption on your premises. This endorsement is also revised to indicate that the Liquor Liability Exclusion will apply if an insured permits any person to bring any alcoholic beverages on the Named Insured's premises, for consumption on the Named Insured's premises, except for the premises described in the Schedule of the endorsement for consumption on such premises. II. Other Changes • This endorsement is revised for consistency with revisions made to the Liquor Liability Exclusion in the policy. • Various editorial revisions with no impact on coverage. Expiring Form Expiring Form Number New Form New Form Number Protective Safeguards BP 04 30 01 06 Protective Safeguards BP 04 30 07 13 I. Other Changes • This endorsement is revised by the addition of a symbol and description to recognize Automatic Commercial Cooking Exhaust And Extinguishing Systems. • Various editorial revisions with no impact on coverage. Expiring Form Business Income Changes -Time Period Expiring Form Number BP 04 41 01 06 I. Broadening of Coverage New Form Business Income Changes -Time Period New Form Number BP 04 41 07 13 • This endorsement is revised to reflect changes made to the Business Income From Dependent Properties Additional Coverage in the Businessowners Coverage Form with respect to secondary dependent properties. • The period of coverage has been increased from three consecutive weeks to four consecutive weeks. 2013 Liberty Mutual Insurance. All rights reserved. NP 93 54 07 13 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 7 of 18 II. Other Changes Various editorial revisions with no impact on coverage. Expiring Form Expiring Form Number New Form New Form Number Not Available Additional Insured - BP 04 50 07 13 Owners, Lessees Or Contractors Scheduled Person Or Organization I. Other Changes • This new Additional Insured Endorsement provides coverage for Owners, lessees of buildings on policies covering contractors, and contractors on policies covering subcontractors, but only for liability for ongoing operations. Expiring Form Expiring Form Number New Form New Form Number Not Available Additional Insured - BP 04.51 07 13 Owners, State Or Governmental Agency Or Subdivision Or Political Subdivision - Permits Or Authorizations I. Other Changes • This new Additional Insured Endorsement provides coverage for Owners, lessees or Contractors who have signed a contract or agreement that requires them to be added as additional insureds, but only for liability for ongoing operations. Expiring Form Expiring Form Number New Form' New Form Number Not Available Additional Insured - BP 04 52 07 13 State Or Governmental Agency Or Subdivision Or Political Subdivision - Permits Or Authorizations I. Other Changes s This new Additional Insured Endorsement provides coverage for certain premises hazards for state or federal governmental organizations issuing permits or authorization to contractors. Expiring Form Expiring Form Number New Form New Form Number Utility Services - BP 04 56 01 06 Utility Services - BP 04 56 07 13 Direct Damage Direct Damage I. Other Changes This endorsement is revised to reinforce that transmission lines include all lines that serve in the transmission of power or communication service, including lines that may be identified as distribu- tion lines. This endorsement has been revised to remove the qualification that the utility service property be located outside a covered building. • Various editorial revisions with no impact on coverage. 0 2013 Liberty Mutual Insurance. All rights reserved. NP 93 54 07 13 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 8 of 18 Expiring Form Expiring Form Number New Form New Form Number Utility Services - BP 04 57 01 06 Utility Services - BP 04 57 07 13 Time Element Time Element I. Broadening of Coverage # This endorsement is revised :to provide the means to select a new category of utility service: wastewater removal property. With respect to the coverage provided under this endorsement, wastewater removal property is a utility system for removing wastewater and sewage from the described premises, other than a system designed primarily for draining storm water. II. Other Changes 9 This endorsement is revised to reinforce that transmission lines include all lines that serve in the transmission of power or communication service, including lines which may be identified. as dis- tribution lines. This endorsement has been revised to remove the qualification that the utility service property be located outside a covered building. • Various editorial revisions with no impact on coverage. Expiring Form Expiring Form .Number New Form New Form Number Functional Building BP 04 84 01 06 Functional Building BP 04 84 07 13 Valuation Valuation I. Other Changes • This endorsement is revised to reflect the revisions made to the Ordinance Or Law Exclusion in the Businessowners Coverage Form. • Various editorial revisions with no impact on coverage. Expiring Form Expiring Form Number New Form New Form Number Computer Fraud BP 05 47 01 06 Computer Fraud BP 05 47 07 13 And Fund And Fund Transfer Fraud Transfer Fraud I. Broadening of Coverage • This endorsement has been revised to delete the Limitation regarding the transfer of property on the basis of unauthorized instructions and that the false pretense exclusion does not apply. II. Reduction of Coverage An exclusion has been added for loss or damages caused by or resulting from the use or purported use of credit, debit, charge, access, convenience, identification, store valued or other cards or the information contained on such cards. III. Other Changes • Various editorial revisions with no impact on coverage. Expiring Form Expiring Form Number New Form New Form Number Not Available Photography BP 07 83 07 13 I. Broadening of Coverage This new endorsement is available for photographer risks. 0 2013 Liberty Mutual Insurance. All rights reserved. NP 93 54 07 13 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 9 of 18 Expiring Form Expiring Form Number New Form New Form Number Pharmacists BP 08 07 01 06 Pharmacists BP 08 07 07 13 I. Broadening of Coverage • This endorsement is revised to include an exception to the Professional Services Exclusion with respect to the administering of vaccinations in accordance with applicable state or federal law. II. Other Changes • Various editorial revisions with no impact on coverage. Expiring Form Expiring Form Number New Form New Form Number Not Available Earthquake And BP 10 11 07 13 ' Volcanic Eruption Sub -Limit) - I. Other Changes • This new endorsement extends coverage against loss by earthquake and volcanic eruption at a , limit lower than the limit which applies to other covered perils. The limit of insurance for this coverage is on an annual aggregate basis. Expiring Form Expiring Form Number New Form New Form Number Loss Payable - BP 12 03 01 06 Loss Payable BP 12 03 01 10 Provisions Clauses I. Broadening of Coverage • The Loss Payable Provision has been revised to add an option, Building Owner Loss Payable Clause, to identify the building owner and recognize that entity as a loss payee. Expiring Form Expiring Form Number New Form New Form Number Not Available Additional Insured - BP 12 31 01 10 Building Owners I. Other Changes • This new endorsement has been introduced to recognize the interest of a building owner, as an additional named insured, under a tenant's policy with respect to property damage under Section I - Property. Expiring Form Expiring Form Number New Form New Form Number Not Available Additional Insured - BP 14 02 07 13 Owners, Lessees Or Contractors - Completed Operations I. Broadening of Coverage • This new endorsement provides completed operations coverage for specified additional insured(s) identified in the Schedule of the endorsement. Expiring Form Expiring Form Number New Form New Form Number Not Available Windstorm Or Hail BP 14 04 07 13 Losses To Roof Surfacing - Actual Cash Value Loss Settlement 2013 Liberty Mutual Insurance. All rights reserved. NP 93 54 07 13 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 10 of 18 I. Other Changes • This new endorsement changes the Loss Payment Property Loss Condition to provide that loss or damage to roof surfacing caused by windstorm or hail will be settled on an actual cash value basis rather than a replacement cost basis. Expiring Form Expiring Form Number New Form New Form Number No Form Dec entry only Business Income Dec entry only And Extra Expense - Revised Period of Indemnity I. Broadening of Coverage • Additional options of 270 and 360 days has been added. Expiring Form Expiring Form Number New Form New Form Number Not Available Debris Removal BP 14 09 07 13::. Additional Insurance I. Other Changes • This new endorsement provides for increasing the Debris Removal limit of insurance. Expiring Form Expiring Form Number New Form New Form Number Not Available Limited Exclusion - BP 14 15 07 13 Personal And Advertising Injury - Lawyers I. Reduction of Coverage • This new endorsement is used to exclude personal and advertising injury arising out of the render- ing of or failure to render professional services as a lawyer. Expiring Form Expiring Form Number New Form New Form Number Not Available Increased Cost Of BP 14 75 07 13 Loss And Related Expenses For Green Upgrades I. Other Changes • This new endorsement amends various Section I - Property coverage provisions to address green up -grades to real and personal property, and related expenses. Expiring Form Expiring Form Number New Form New Form Number Not Available Communicable BP 14 86 07 13 Disease Exclusion I. Reduction of Coverage • This new endorsement amends coverage to exclude bodily injury, property damage, and personal and advertising injury arising out of the actual or alleged transmission of a communicable disease. 0 2013 Liberty Mutual Insurance. All rights reserved. NP 93 54 07 13 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 11 of 18 Expiring Form Expiring Form Number Not Available New Form Additional Insured - Owners, Lessees Or Contractors - With Additional Insured Requirement For Other Parties In Construction Contract New Form Number BP 14 87 07 13 I. Other Changes • This new endorsement provides additional insured status to those parties whom the Named In- sured is obligated in writing in a contract or agreement to name as an additional insured under their policy. Expiring Form Expiring Form Number New Form New Form Number Not Available Primary And BP 14 88 07 13 Noncontributory - Other Insurance e Condition I. Other Changes • This new endorsement provides that the coverage made available to an additional insured will be provided on a primary and noncontributory basis. Expiring Form Condominium Association Coverage Expiring Form Number BP 17 01 01 06 New Form Condominium Association Coverage New Form Number BP1701 0713 I. Broadening of Coverage • This endorsement is revised to provide that coverage extends 100 feet from the building .or 100 feet from the described premises, whichever distance is greater. II. Other Changes • This endorsement is revised such that Business Personal Property is covered when located in or on the buildings or structures at the described premises. • Various editorial revisions with no impact on coverage. Expiring Form Expiring Form Number New Form New Form Number Condominium BP 17 02 01 06 Condominium BP 17 02 07 13 Commercial Unit- Commercial Unit - Owners Coverage Owners Coverage I. Broadening of Coverage • This endorsement is revised to provide that coverage extends 100 feet from the building or 100 feet from the described premises, whichever distance is greater. Additionally, this endorsement is revised to include leased personal property which the Named Insured has a contractual responsibil- ity to insure as covered Business Personal Property. II. Other Changes • This endorsement is revised such that Business Personal Property is covered when located in or on the buildings or structures at the described premises. • Various editorial revisions with no impact on coverage. 0 2013 Liberty Mutual Insurance. All rights reserved. NP 93 54 07 13 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 12 of 18 OTHER CHANGES • The endorsements identified below are being editorially revised to comply with ISO uniformity stan- dards as follows: • Various editorial revisions with no impact on coverage. • BP 04 04 01 10 - Hired Auto And Non -owned Auto Liability This endorsement has been revised to introduce an Other Insurance provision to generally state that coverage provided by the endorsement is excess over any primary insurance covering the "hired auto" or "non -owned auto". • BP 08 03 07 13 - Optical And Hearing Aid Establishments (Editorially Revised) • BP 12 02 07 13 - Fire Department Service Contract • The additional insured endorsements identified below are revised to: • Add language, in response to growing number of states enacting anti -indemnification laws, to provide that the insurance afforded to an additional insured only applies to the extent permitted by law; • Provide that, if coverage provided to the additional insured is required by contract or agreement, the insurance afforded to the additional insured will not be broader than that which the- Named Insured is required by the contract or agreement to provide for the additional insured; and • Provide that, if coverage provided to the additional insured is required by contract or agreement, the most the insurer will pay on behalf of the additional insured is the amount of insurance required by the contract or agreement or the amount of insured available under the applicable Limits Of Insurance shown in the Declarations, whichever is less. The provision also provides that the en- dorsement will not increase the applicable Limits Of Insurance shown in the Declarations. • BP 04 02 07 13 - Additional Insured - Managers Or Lessors Of Premises • BP 04 06 07 13 - Additional Insured - Controlling Interest • BP 04 07 07 13 - Additional Insured - State Or Governmental Agency Or Subdivision Or Political Subdivision - Permits Or Authorizations Relating To Premises • BP 04 09 07 13 - Additional Insured - Mortgagee, Assignee Or Receiver • BP 04 10 07 13 - Additional Insured - Owners Or Other Interests From Whom Land Has Been Leased • BP 04 11 07 13 - Additional Insured - Co-owner Of Insured Premises • BP 04 13 07 13 - Additional Insured - Engineers, Architects Or Surveyors • BP 04 47 07 13 - Additional Insured - Vendors • BP 04 48 07 13 - Additional Insured - Designated Person Or Organization • BP 04 49 07 13 - Additional Insured - Engineers, Architects Or Surveyors Not Engaged By The Named Insured • BP 04 50 07 13 - Additional Insured - Owners, Lessees Or Contractors - Scheduled Person Or Organization • BP 04 51 07 13 - Additional Insured - Owners, Lessees Or Contractors - With Additional Insured Requirement In Construction Contract • BP 04 52 07 13 - Additional Insured - State Or Governmental Agency Or Subdivision Or Political Subdivision - Permits Or Authorizations • BP 14 02 - Additional Insured - Owners, Lessees Or Contractors - Completed Operations 0 2013 Liberty Mutual Insurance. All rights reserved. NP 93 54 07 13 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 13 of 18 • The additional insured endorsements identified below are revised to: • Allow for any governmental agency or subdivision (federal or state) to be named as an additional insured. • To address situations in which a permit many not be issued, but the governmental agency or subdivision authorizes the insured to perform operations •" The endorsements now reference the issuing of permits" or authorization to the insured. • BP 04 07 07 13 - Additional Insured - State Or Governmental Agency Or Subdivision Or Political Subdivision - Permits Or Authorizations Relating To Premises. • BP 04 52 07 13 - Additional Insured - State Or Governmental Agency Or Subdivision Or Political Subdivision - Permits Or Authorizations. �_ • The additional insured endorsements identified below are revised to: • Specifically excluding completed operations coverage for an additional insured; • Removed the Professional Services Exclusion, as a similar exclusion is already contained in the Businessowners Coverage Form. • BP 04 13 07 13 - Additional Insured - Engineers, Architects Or Surveyors • BP 04 49 07 13 - Additional Insured - Engineers, Architects Or Surveyors Not Engaged By The Named Insured • BP 04 51 07 13 - Additional Insured - Owners., Lessees Or Contractors - With Additional Insured Requirement In Construction Contract • The endorsements identified below are revised to: • The Professional Services Exclusion has been modified to address claims alleging negligence or other wrongdoing in the hiring, employment, training, supervision or monitoring of others by an insured. • BP 08 03 07 13 - Optical And Hearing Aid Establishments • BP 08 07 07 13 - Pharmacists • BP 14 15 07 13 - Limited Exclusion - Personal And Advertising Injury - Lawyers COMPANY FORMS Only the countrywide versions of endorsements are referenced. State specific versions, where applicable, have been amended in the same manner as the countrywide version unless otherwise specified. Expiring Form Expiring Form Number New Form New Form Number Businessowners BP 79 19 07 10 Businessowners BP 79 19 07 13 Property Extension Property Extension Endorsement Endorsement 1. Broadening of Coverage • Theft Of Clients' Property Coverage has been added and includes a limit of $5,000, unless a higher limit is shown in the Declarations, and a deductible of $250. II. Reductions of Coverage • Water Back -Up And Sump Overflow language has been added which states that we will not pay when back-up, overflow or discharge is caused directly or indirectly by any flood whether caused by an act of nature or otherwise caused, and is excluded regardless of any other cause or event that contributes concurrently or in any sequence to the loss. 0 2013 Liberty Mutual Insurance. All rights reserved. NP 93 54 07 13 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 14 of 18 III. Other Changes • Revision to the paragraph references. • Duplication of language has been eliminated. • Debris Removal has been moved to the BP 00 03 Businessowners Coverage Form. • Ordinance Or Law Coverage has been revised to reflect the revisions made in the Ordinance • Or Law Exclusion in the Businessowners Coverage Form. • Water Back -Up And Sump Overflow has revisions to the paragraph referencing and lead in lan- guage, and includes clarifying language. Expiring Form Expiring Form Number New Form New Form Number Amendment Of BP 79 74 02 08 Amendment Of BP 79 74 07 13 Pollution Exclusion Pollution Exclusion (Premises) (Premises) I. Other Changes • Revision to the paragraph referencing. Expiring Form Expiring Form Number New Form New Form Number Businessowners BP 79 96 03 11 Businessowners BP 79 96 07 13 Liability Extension Liability Extension Endorsement Endorsement I. Broadening of Coverage • The definition of "Bodily Injury" has been revised to include mental anguish. II. Other Changes • The definition of Insured Contract has been revised to add clarifying language which states that a contract or agreement shall only be considered and "insured contract" to the extent your assump- tion of the tort liability is permitted by law. Expiring Form Condominium Association Directors And Officers Liability Coverage Expiring Form Number BP 80 05 09 10 New Form Condominium Association Directors And Officers Liability Coverage New Form Number BP 80 05 07 13 I. Other Changes • Revision to the paragraph references. • The Punitive Damages Exclusion in BP 80 05 has been removed, and Amendment - Punitive Dam- ages Exclusion, BP 81 04, has been withdrawn. There is no change to the coverage provided. Expiring Form Expiring Form Number New Form Bookstore Endorsement BP 80 27 01 07 Bookstore Endorsement 1. Reduction of Coverage • The Liquor Liability Exclusion now applies to this coverage. II. Other Changes • Revision to the paragraph references. New Form Number BP 80 27 07 13 0 2013 Liberty Mutual Insurance. All rights reserved. NP 93 54 07 13 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 15 of 18 Expiring Form Expiring Form Number New Form New Form Number Coverage For Pets BP 80 33 01 07 Coverage For Pets BP 80 33 07 13 I. Broadening of Coverage • The Property Not Covered has been revised to list the exceptions to the animals not covered. • Recovery Expense Coverage and Reward Expense Coverage have been revised to include � coverage for unauthorized instructions given to transfer the animals to any person or place. II. Restrictions of Coverage • Flood and surface water language in the Covered Causes Of Loss has been revised in keeping with the water exclusion language in BP 00 03 Businessowners Coverage Form. III. Other Changes _ • Revision to the paragraph references. • Duplicate language has been eliminated. Expiring Form Expiring Form Number New Form New Form Number Goodwill Replacement BP 80 41 01 07 Goodwill Replacement BP 80 41 07 13 Valuation Endorsement Valuation Endorsement I. Broadening of Coverage • Coverage for Replacement Cost is no longer limited to items less than two years of age. 11. Other Changes • Revision to the paragraph referencing and lead in language. Expiring Form Expiring Form Number New Form New Form Number Medical Office BP 80 56 06 09 Medical Office BP 80 56 07 13 Endorsement Endorsement I. Broadening of Coverage • Spoilage Coverage has been increased from $5,000 to $10,000. 11. Other Changes • Revision to the paragraph references. Expiring Form Expiring Form Number New Form New Form Number Businessowners BP 82 42 07 10 Businessowners BP 82 42 07 13 Property Plus Property Plus Extension Extension Endorsement Endorsement I. Broadening of Coverage • Theft Of Clients' Property Coverage has been added and includes a limit of $5,000, unless a higher limit is shown in the Declarations, and includes a deductible of $250. 11. Other Changes • Revision to the paragraph references. • Clarifying language has been added to the Water Back- Up And Sump Overflow. • Duplication of language has been eliminated. • Debris Removal has been moved to the BP 00 03 Businessowners Coverage Form. 0 2013 Liberty Mutual Insurance. All rights reserved. NP 93 54 07 13 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 16 of 18 Expiring Form Expiring Form Number New Form New Form Number Windstorm Or BP 88 11 06 09 Windstorm Or BP 88 11 07 13 Hail Exclusion Hail Exclusion I. Other Changes w Revision to the paragraph referencing and lead in language. • Windstorm or Hail has been deleted from the "Specified Causes Of Loss' definition. Expiring Form Identity Recovery Coverage For Defined Individuals Expiring Form Number BP88150312 I. Other Changes • Title Change and editorial revisions. Expiring Form Businessowners Property Endorsement Expiring Form Number BP8819G710` New Form Identity Theft Administration Service And Expense Coverage New Form Businessowners Property Endorsement New Form Number BP 88 77 07 13 New Form Number: BP 88 19 07 13 I. Broadening of Coverage • Theft Of Clients' Property Coverage has been added and includes a limit of $5,000, unless a higher limit is shown in the Declarations, and includes a deductible of $250. II. Reductions of Coverage • Water Back -Up And Sump Overflow language has been added which states that we will not pay when back-up, overflow or discharge is caused directly or indirectly by any flood whether caused by an act of nature or otherwise caused, and is excluded regardless of any other cause or event that contributes concurrently or in any sequence to the loss. III. Other Changes • Revision to the paragraph references. • Duplication of language has been eliminated. • Debris Removal has been. moved to the BP 00 03 Businessowners Coverage Form. • Ordinance .Or Law Coverage has been revised to reflect the revisions made in the Ordinance Or Law Exclusion in the Businessowners Coverage Form. Expiring Form Expiring Form Number New Form New Form Number Water Back -Up BP 88 72 01 13 Water Back -Up BP 88 72 07 13 And Sump Overflow And Sump Overflow I. Reduction of Coverage • Language has been added which states the we will not pay when back-up, overflow or discharge is caused directly or indirectly by any flood whether caused by an act of nature or otherwise caused, and is excluded regardless of any other cause or event that contributes concurrently or in any sequence to the loss. II. Other Changes • Revision to the paragraph references. • Clarifying language has been added. • Duplicate language has been eliminated. 0 2013 Liberty Mutual Insurance. All rights reserved. NP 93 54 07 13 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 17 of 18 Expiring Form Expiring Form Number New Form New Form Number Not Available Business Personal BP 88 78 07 13 Property Limit - Automatic Increase I. Broadening of Coverage. • This new coverage provides Business Personal Property -Automatic Increase Limit of Insurance of 2% unless a higher or lower annual percentage is shown in the Declarations. 0 2013 Liberty Mutual Insurance. All rights reserved. NP 93 54 07 13 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 18 of 18 NP98200115 JURISDICTIONAL BOILER AND PRESSURE VESSEL INSPECTIONS Most jurisdictions (cities or states) are governed by laws and regulations that require owners of boilers and pressure vessels to have their equipment inspected on a routine basis. Jurisdictions require that equipment is installed and operated according to these regulations, and it is the equipment breakdown engineering inspector's responsibility to verify the equipment complies with all requirements. Liberty Mutual Equipment Breakdown is a National Board Accredited Authorized Inspection Agency. This designation is recognized by authorities having jurisdictions in the U.S. & provinces of Canada and gives Liberty Mutual commissioned inspectors the ability to perform jurisdictionally required inspection on boil- ers and pressure vessels at insured locations. We have field inspectors strategically located throughout the U.S. to perform boiler and pressure vessel inspection for our customers and clients. To request a Jurisdictional Inspection please: • Call the LMEB Hotline (877) 526-0020 Or • Email your request to LMEBlnspections ccDLibertvmutual.com The assigned EB Risk Engineer will call to schedule within 24 - 48 hours. When requesting an inspection please include the following: • Current Policy Number • Location Address • Contact Name • Contact Phone Number and/or Email Address NP 98 20 01 15 0 2015 Liberty Mutual Insurance Page 1 of 1 �• Liberty mutudl. INSURANCE Named Insured & Mailing Address GILROY SENIOR CRAFT STORE 7371 HANNA ST GILROY, CA 95020 Named Insured Is: OTHER Coverage Is Provided In: Ohio Security Insurance Company - a stock company Commercial Protector Common Policy Declarations Policy Number: BZS (20) 58 66 43 01 Policy Period: From 04/02/2019 To 04/02/2020 12:01 am Standard Time at Insured Mailing Location Agent Mailing Address & Phone No. (408) 847-1000 PACIFIC COAST BENEFITS INSURANCE SERVICES LLC 7600 MONTEREY ST STE 140 GILROY, CA 95020-5264 Named Insured Business Is: SELLING HOMEMADE CRAFTS, TRINKETS AND CLOTHES In return for the payment of the premium, and subject to all the terms of this policy, we agree with you to provide the insurance as stated in this policy. SUMMARY OF COVERAGE PARTS AND CHARGES These Declarations together with the Businessowners Coverage Form (and other applicable forms and endorsements, if any, issued to form a part of them) complete this policy. COVERAGE PART Commercial Protector IMPORTANT MESSAGES CHARGES $516.00 Total Charges for all of the above coverage parts: Certified Acts of Terrorism Coverage: $3.00 . Equipment Breakdown Enhancement Is Included - See Policy Forms and Endorsements summary $516.00 (Included) Note: This is not a bill Issue Date Authorized Representative To report a claim, call your Agent or 1-800-362-0000 DS 70 21 11 16 58664301 POLSVCS 270 AGENT COPY 006715 PAGE 29 OF 38 Coverage Is Provided In: Ohio Security Insurance Company - a stock company Common Policy Declarations Named Insured GILROY SENIOR CRAFT STORE 7371 HANNA ST GILROY, CA 95020 SUMMARY OF LOCATION(S) AND PREMIUM(S) 0001 7371 Hanna St, Gilroy, CA 95020-6129 Agent Policy Number: BZS (20) 58 66 43 01 Policy Period: From 04/02/2019 To 04/02/2020 12:01 am Standard Time at Insured Mailing Location (408) 847-1000 PACIFIC COAST BENEFITS INSURANCE SERVICES LLC 7600 MONTEREY ST STE 140 GILROY, CA 95020-5264 $59.00 POLICY FORMS AND ENDORSEMENTS This section lists the Forms and Endorsements for your policy. Refer to these documents as needed for detailed:, information concerning your coverage. FORM NUMBER TITLE BP 00 03 07 13 Businessowners Coverage Form BP 01 55 05 17 California Changes BP 04 02 07 13 Additional Insured - Managers or Lessors of Premises BP 04 17 01 10 Employment - Related Practices Exclusion BP 05 23 01 15 Cap On Losses From Certified Acts Of Terrorism BP 05 77 01 06 Fungi or Bacteria Exclusion (Liability) BP 06 86 05 17 California - Hired Auto And Non -Owned Auto Liability BP 15 04 05 14 Exclusion - Access Or Disclosure Of Confidential Or Personal Information And Data -Related Liability - With Limited Bodily Injury Exception BP 79 74 07 13 Amendment of Pollution Exclusion (Premises) BP 79 96 09 16 Businessowners Liability Extension Endorsement BP 80 60 01 07 Peak Season Endorsement BP 81 15 03 11 Exclusion - Asbestos BP 82 37 08 15 Equipment Breakdown Coverage Endorsement BP 82 46 06 09 Employment - Related Practices Liability Coverage BP 88 0403 14 Exclusion - Professional Services (Real Estate Agents, Insurance Agents, Travel Agents, Financial Services, Computer Software, Insurance Operations) BP 88 12 03 14 Data Compromise Coverage BP 88 16 06 09 Business Income Changes - 24 Hour Time Period In witness whereof, we have caused this policy to be signed by our authorized officers. Mark Touhey Secretary Paul Condrin President To report a claim, call your Agent or 1-800-362-0000 DS 70 21 11 16 58664301 POLSVCS 270 AGENT COPY 006715 PAGE 30 OF 38 Liberty INSURANCE Named Insured GILROY SENIOR CRAFT STORE 7371 HANNA ST Coverage Is Provided In: Ohio Security Insurance Company - a stock company Commercial Protector Common Policy Declarations Agent POLICY FORMS AND ENDORSEMENTS - CONTINUED Policy Number: BZS (20) 58 66 43 01 Policy Period: From 04/02/2019 To 04/02/2020 12:01 am Standard Time at Insured Mailing Location (408) 847-1000 PACIFIC COAST BENEFITS INSURANCE SERVICES LLC This section lists the Forms and Endorsements for your policy. Refer to these documents as needed for detailed information concerning your coverage. FORM NUMBER TITLE BP 88 19 09 16 Businessowners Property Endorsement BP 88 90 03 14 CyberOne Coverage To report a claim, call your Agent or 1-800-362-0000 DS 70 21 11 16 58664301 POLSVCS 270 AGENT COPY 006715 PAGE 31 OF 38 This page intentionally left blank. Named Insured GILROY SENIOR CRAFT STORE Coverage Is Provided In: Policy Number: Ohio Security Insurance Company - a stock company BZS (20) 58 66 43 01 Policy Period: From 04/02/2019 To 04/02/2020 Commercial , Protector 12:01 am Standard Timeat Insured Mailing Location Policy Declarations Agent (408) 847-1000 PACIFIC COAST BENEFITS INSURANCE i i SUMMARY OF LIMITS AND CHARGES Businessowners DESCRIPTION =_ Liability Limits Of Liability and Medical Expenses - Occurrence _ Aggregate Limits of Insurance Insurance Products -Completed Operations. Other than Products -Completed Operations Broadened Coverage For Damage To Premises Rented To You Medical Expenses (Any One Person) `Explanation of DESCRIPTION Charges Businessowners Location(s) Total Businessowners Other Coverage(s) Total 1. Certified Acts of Terrorism Coverage Total Charges: LIMIT 11000,000 2,000,000 2.000,000 1.000.000 15,000 PREMIUM 559.00 9454.00 �3.00 $516.00 Note: This is not a bill To report a claim, call your Agent or 1-800-362-0000 DS 70 22 01 08 58664301 POLSVCS 270 AGENT COPY 006715 PAGE 33 OF 38 Coverage Is Provided In: Policy Number: Libel Ohio Security Insurance Company - a stock company BZS (20) 58 66 43 01 i�til. Policy Period: INSURANCE From 04/02/2019 To 04/02/2020 12:01 am Standard Time Commercial Protector at Insured Mailing Location Declarations Schedule Named Insured Agent GILROY SENIOR CRAFT STORE (408) 847-1000 PACIFIC COAST BENEFITS INSURANCE SUMMARY OF COVERAGES BY LOCATION 0001 7371 Hanna St, Gilroy, CA 95020-6129 Property Description: Characteristics Construction: Frame Business Personal Occupancy: Gift Shops - Retail Property Coverage DESCRIPTION Limit of Insurance $1, 0 3 0 Covered Causes of Loss Special Form Deductible $ 5 0 0 Automatic Increase Business Personal Property 0 % Premium $32.00 Additional DESCRIPTION Insured Managers or Lessors of Premises See Endorsement Premium $27.00 To report a claim, call your Agent or 1-800-362-0000 DS 70 23 01 08 58664301 POLSVCS 270 AGENT COPY 006715 PAGE 34 OF 38 OLiberty utual.a INSURANCE Named Insured GILROY SENIOR CRAFT STORE Coverage Is Provided In: Policy Number: Ohio Security Insurance Company - a stock company BZS (20) 58 66 43 01 Policy Period: From 04/02/2019 To 04/02/2020 12: 01 am' Standard Time Commercial Protector at Insured Mailing Location Declarations Schedule Agent (408) 847-1000 PACIFIC COAST BENEFITS INSURANCE SUMMARY OF OTHER COVERAGES Employee DESCRIPTION - Dishonesty Limit of Insurance Including Number of Emulovees Forgery and Deductible -_ Alteration Hired and DESCRIPTION Non -Owned Coverage Characteristics Auto Liability Employment Related DESCRIPTION Practices A22re2ate Limit Each Claim Limit Number of Emulovees Retroactive Date Deductible Coinsurance Data Compromise DESCRIPTION Coverage See Endorsement CyberOne Coverage DESCRIPTION See Endorsement $25,000 2 $500 Premium Included See Endorsement Premium $161.00 $10,000 $10,000 2 04/02/2018 $5,000 0% 0 Premium $86.00 Premium Included Premium Included Total Premium $207.00 To report a claim, call your Agent or 1-800-362-0000 DS 70 23 01 08 58664301 POLSVCS 270 AGENT COPY 006715 PAGE 35 OF 38 Coverage Is Provided In: Policy Number: Leber% Ohio Security Insurance Company - a stock company BZS (20) 58 66 43 01 10�mutual. Policy Period: INSURANCE From 04/02/2019 To 04/02/2020 12:01 am Standard Time Commercial Protector at Insured Mailing Location Declarations Schedule Named Insured Agent GILROY SENIOR CRAFT STORE (408) 847-1000 PACIFIC COAST BENEFITS INSURANCE Businessowners Location(s) Total $59.00 Businessowners Other Coverage(s) Total $454.00 Businessowners Schedule Total $513.00. To report a claim, call your Agent or 1-800-362-0000 DS 70 23 01 08 58664301 POLSVCS 270 AGENT COPY 006715 PAGE 36 OF 38 This page intentionally left blank.