Colorado Global Strategists Hartford GL EO RNWL Eff 06072025.pdf

SC 50 53 10 18

APRIL 28, 2025

Policy Number: 34 SBA AY2YN3 HOW TO REACH US

Policy Holder Name: Colorado Global Strategists LLC

Enclosed please find information pertaining to your policy. Please contact us if you have any questions or concerns.

Thank you for selecting The Hartford for your business insurance needs.

Sincerely, The Hartford

If you have questions, you can reach The Hartford the following ways:

ONLINE BY VISITING

https://agency.thehartford.com

POLICY QUESTIONS

1-866-467-8730, Monday - Friday 7 a.m. - 7 p.m. CT

24 HOUR CLAIMS HOTLINE

1-800-327-3636, always open

SC 50 62 10 18

APRIL 28, 2025

Your insurance policy is scheduled to renew on 06/07/2025 with LIGHTHOUSE BROKERAGE. Inside you’ll find the documents you need to review for your new policy. In some cases, you may have paperwork that requires your special attention. If so, you’ll see those documents packaged together right after this letter.

WHAT HAPPENS NEXT

As we get closer to your renewal date, we’ll send your insurance bill. We may also reach out to you about whether you need to do your yearly premium audit. If so, we’ll follow up with more information on how to get started.

SEE WHAT YOU CAN DO ONLINE

We’ve made it easy for you to manage your account digitally. Visit https://agency.thehartford.com and click on “My Account” to log in or register. Once you do, you can:

· Pay your bill, view payment history and enroll in Auto Pay

· Request certificates of insurance

· View billing and policy documents, and sign up for paperless delivery

THANK YOU FOR YOUR BUSINESS

On behalf of LIGHTHOUSE BROKERAGE and The Hartford, we want to thank you again for choosing us. We look forward to serving your business insurance needs for the upcoming term, too.

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

Form SC 50 64 06 20 Page 1 of 1 © 2020, The Hartford

(May include copyrighted material of Insurance Services Office, Inc., with its permission)

IMPORTANT NOTICE TO POLICYHOLDERS

Thank you for renewing your policy with The Hartford. With this notice we are providing you only with the declarations page, which outlines your coverages, and with those policy forms, notices, and brochures which are different from those which we provided with your previous policy. You should retain all of these documents and those provided with your previous policy indefinitely so that you will have a complete set of policy forms at all times for your reference.

If you have questions, or if at any time you need copies of any of the forms listed on your policy you may access them by registering for access to the customer service portal at business.TheHartford.com. You may also request them by calling your Hartford agent or broker, or the office of The Hartford identified on your policy, as appropriate.

CERTIFICATE OF LIABILITY INSURANCE DATE (MM/DD/YYYY)

04/28/2025 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER.

THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER.

IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must be endorsed. If SUBROGATIONIS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s).

PRODUCER

LIGHTHOUSE BROKERAGE

34345511

191 UNIVERSITY BLVD STE 342

DENVER CO 80206

CONTACT

NAME:

PHONE

(A/C, No, Ext):

(866) 467-8730 FAX

(A/C, No):

(888) 443-6112

E-MAIL

ADDRESS:

INSURER(S) AFFORDING COVERAGE NAIC#

INSURED

Colorado Global Strategists LLC

2415 S RACE ST

DENVER CO 80210-5150

INSURER A : Hartford Underwriters Insurance Company 30104

INSURER B :

INSURER C :

INSURER D :

INSURER E :

INSURER F :

COVERAGES CERTIFICATE NUMBER: REVISION NUMBER:

THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED.NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS.

INSR

LTR

TYPE OF INSURANCE ADDL

INSR

SUBR

WVD

POLICY NUMBER POLICY EFF

(MM/DD/YYYY)

POLICY EXP

(MM/DD/Y YYY)

LIMITS

A

COMMERCIAL GENERAL LIABILITY

34 SBA AY2YN3 06/07/2025 06/07/2026

EACH OCCURRENCE $2,000,000

CLAIMS-MADE X OCCUR DAMAGE TO RENTED

PREMISES (Ea occurrence) $1,000,000

X General Liability MED EXP (Any one person) $10,000

PERSONAL & ADV INJURY $2,000,000

GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $4,000,000

X POLICY PRO-

JECT

LOC PRODUCTS - COMP/OP AGG $4,000,000

OTHER:

A

AUTOMOBILE LIABILITY

34 SBA AY2YN3 06/07/2025 06/07/2026

COMBINED SINGLE LIMIT

(Ea accident)

$2,000,000 ANY AUTO BODILY INJURY (Per person)

ALL OWNED

AUTOS

SCHEDULED

AUTOS BODILY INJURY (Per accident)

X HIRED

AUTOS X NON-OWNED

AUTOS

PROPERTY DAMAGE

(Per accident)

UMBRELLA LIAB

EXCESS LIAB

OCCUR

CLAIMS-

MADE

EACH OCCURRENCE

AGGREGATE

DED RETENTION $

WORKERS COMPENSATION

AND EMPLOYERS' LIABILITY

ANY

PROPRIETOR/PARTNER/EXECUTIVE

OFFICER/MEMBER EXCLUDED?

(Mandatory in NH) If yes, describe under DESCRIPTION OF OPERATIONS below

N/ A

PER

STATUTE

OTH-

ER

Y/N E.L. EACH ACCIDENT

E.L. DISEASE -EA EMPLOYEE

E.L. DISEASE - POLICY LIMIT

A Professional Liability 34 SBA AY2YN3 06/07/2025 06/07/2026 Each Claim Limit Aggregate Limit

$1,000,000 $1,000,000

DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) The Business Liability Coverage Part includes a Blanket Additional Insured By Contract Endorsement, Form SL 30 32.

CERTIFICATE HOLDER CANCELLATION

SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED

BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED

IN ACCORDANCE WITH THE POLICY PROVISIONS.

AUTHORIZED REPRESENTATIVE

© 1988-2015 ACORD CORPORATION. All rights reserved.

ACORD 25 (2016/03) The ACORD name and logo are registered marks of ACORD

Form SC 90 04 10 18 Page 1 of 1 © 2018, The Hartford

(May include copyrighted material of Insurance Services Office, Inc., with its permission)

IMPORTANT NOTICE TO POLICYHOLDERS

THE HARTFORD CYBER CENTER WEBSITE ACCESS

Thank you for choosing The Hartford for your business insurance needs.

You are receiving this Notice because you purchased a business owner's policy from The Hartford, (your Policy was issued by The Hartford writing company identified on your policy Declarations page) which includes access to The Hartford Cyber Center. This portal was created because we recognize that businesses face a variety of cyber-related exposures and need help managing the related risks. These exposures include data breaches, computer virus attacks and cyber extortion threats.

Through The Hartford Cyber Center, you have access to:

1. A panel of third party incident response service providers

2. Third party cybersecurity pre-incident service providers and a list of approved services to help protect your business before a cyber-threat occurs

3. Risk management tools, including self-assessments, best practice guides, templates, sample incident response plans, and data breach cost calculators

4. White papers, blogs and webinars from leading privacy and security practitioners

5. Up-to-date cyber-related news and events, including examples of privacy and security related events

Accessing The Hartford Cyber Center is easy

1. Visit www.thehartford.com/cybercenter

2. Enter policyholder information

3. Access code: 952689

4. Login to The Hartford Cyber Center

This Notice does not amend or otherwise affect the provisions of your business owner's policy.

Coverage Options:

The Hartford offers a variety of endorsements to your business owner's policy that can help protect your business from a broad range of cyber-related threats. Please review your coverage with your insurance agent or broker to determine the most appropriate cyber coverages and limits for your business.

Claims Reporting:

If you have a claim, you can report it by calling The Hartford's toll-free claims line at 1-800-327-3636.

Should you have any questions, please contact your insurance agent, broker or you may contact us directly.

We appreciate your business and look forward to being of continued service to you.

Please be aware that:

1. The Hartford Cyber Center is a proprietary web portal exclusively provided to customers of The Hartford. Please do not share the access code with anyone outside your organization.

2. Registration is required to access the Cyber Center. You may register as many users as necessary.

3. Contacting a service provider about any issue does not constitute providing The Hartford notice of a claim as required under your insurance policy. Read your insurance policy and discuss any questions with your agent or broker.

The Hartford Cyber Center provides third party service provider references and materials for educational purposes only.

The Hartford does not specifically endorse any such service provider within The Hartford Cyber Center and hereby disclaims all liability with respect to use of or reliance on such service providers. All service providers are independent contractors and not agents of The Hartford. The Hartford does not warrant the performance of the service providers, even if such services are covered under your Business Owners Policy. We strongly encourage you to conduct your own assessments of the service providers' services and the fitness or adequacy of such services for your particular needs.

Declarations:

Business Owner’s Policy

NGS Business Owners Declaration Page

This Spectrum® Business Owner’s Policy consists of the Declarations, Coverage Forms, Coverage Parts, Common Policy Conditions and any other Forms and endorsements issued to be a part of the Policy. The Hartford® is Hartford Fire Insurance Company and its affiliated property and casualty insurance companies.

Form: SC 00 01 10 18 1

Policy Number: 34 SBA AY2YN3

Policy Period: 06/07/2025 to 06/07/2026, 12:01 a.m., Standard time at your mailing address shown here. Exception: 12 noon in New Hampshire.

Insurer:

Hartford Underwriters Insurance Company, a property and casualty company of The Hartford.

One Hartford Plaza, Hartford, CT 06155

Named Insured and Mailing Address:

Colorado Global Strategists LLC

2415 S RACE ST

DENVER, CO 80210-5150

Type of Business: Consultant - Business and Management

Name of Agency/Broker:

LIGHTHOUSE BROKERAGE

191 UNIVERSITY BLVD STE 342

DENVER, CO 80206

Code: 34345511

Previous Policy Number:

34 SBA AY2YN3

Organization Type: LLC

Audit Period: Non-Auditable

Insurance Provided: In return for the payment of the premium and subject to all of the terms of this policy, we agree with you to provide insurance as stated in this policy.

TOTAL PREMIUM: $1,341*

*Total Premium includes the premium for all Coverage Parts issued to you in this policy, as well as any companion policies delivered with this policy. Total Premium includes any applicable fees and surcharges. Total Premium may change based on coverage changes made through endorsement or if your policy is subject to Premium Audit.

Countersigned by: 04/28/2025

Authorized Representative Date

A Business Owner’s Policy typically covers property and business liability risks. Generally, Property insurance pays you if a covered cause of loss damages property that you own, rent or lease. Business liability insurance pays in certain cases where something you do or something you own causes injury or damage to someone else, or someone else’s property. Please see the coverages and limits described in your Declarations for details regarding the insurance you purchased.

Business Owner’s Policy

Form: SC 00 01 10 18 2

Glossary of Terms*

TERM DEFINITION

Audit Period Your Policy period, which may be auditable or non-auditable. If your Policy is auditable, we will examine your business records to determine actual exposures for final premium calculation.

Base Coverage Form Each Coverage Part has a form that explains, generally, what is and is not covered. This is the first building block of the Coverage Part. All other forms directly or indirectly modify the Base Coverage Form and are attached to it.

Coverage Part A section of the Policy for a particular coverage. Unless otherwise stated in a specific Coverage Part, a Coverage Part consists of a Declarations page, a Base Coverage Form, all forms that modify the Base Coverage Form, and other forms applicable to the Coverage Part or the entire Policy.

Declarations The part of the insurance contract that specifies the named insured, address, policy period, covered locations, limits of insurance and other key information such as forms applicable to the Coverage Part.

Policy A contract between you and us to provide you with certain insurance coverages. Your Spectrum Business Owner’s Policy consists of all Coverage Parts and forms common to some or all Coverage Parts.

STRETCH® A unique feature of The Hartford’s policy is an optional enhancement to the policy which increases the limit of insurance for several coverages and adds new coverages to the policy.

STRETCH® Blanket Limit Provides a single limit of insurance that applies to more than one Coverage. Coverages subject to the STRETCH® Blanket Limit may also have additional limits of insurance which would apply in addition to the STRETCH® Blanket Limit.

*The terms and definitions contained in the Glossary of Terms are provided to help you better understand your Business Owners Policy and how it is constructed. These terms and definitions are not definitions that apply to any Coverage Part or Policy you have purchased and should not be construed as such. Please refer to the applicable provisions in your coverage parts or policies for complete details of the defined terms, including but not limited to the applicable Definitions section of such Coverage Part or Policy.

Declarations: Locations and Location-Based Coverages

Form: SC 00 01 10 18 3

Here’s how your Business Owner’s insurance coverage and limits apply to your business locations (LOC). If you have more than one location or building (BLDG), we break out your coverage and limits separately for each LOC.

LOC 1, BLDG 1

Class: Consultant - Business and Management Valuation Location: 2415 S RACE ST DENVER,CO 80210-5150 Business Personal Property (BPP):

Construction Type: Frame Replacement Cost Year Built: 2005 Property Deductible: $1,000

LOC 1, BLDG 1: LOCATION-BASED COVERAGES AND FEATURES LIMIT OF INSURANCE

Covered Property (Form Number SP 00 00 10 18)

Business Personal Property, includes:

· Tenant’s Improvements and Betterments

· Personal Property of Others

$5,900

Business Personal Property (BPP) - Business Personal Property Limit - Additional Seasonal Increase %

25% - Included

Building $0

Property Coverage Part

Form: SC 00 01 10 18 4

The coverages listed below apply to the location(s) for which you purchased property coverage. The limits in the right-hand column show the maximum amount we’ll pay. Read the entire Coverage Part to determine your rights, duties and what is and is not covered under the coverages listed below.

STRETCH® Blanket Limit: $50,000

FORM NUMBER FORM NAME LIMIT OF INSURANCE

SP 30 23 10 18 ACCOUNTS RECEIVABLE Included in STRETCH® Blanket Limit

SP 30 18 10 18 ARSON AND THEFT REWARD $10,000

SP 30 57 10 18 BACK-UP OF SEWERS AND DRAINS COVERAGE Included2

SP 30 31 10 18 BRANDS AND LABELS Included2

SP 30 59 10 18 BUILDING PROPERTY OF OTHERS $10,000

SP 30 13 10 18 BUSINESS INCOME AND EXTRA EXPENSE

Extended Business Income 60 days

Limit Type Actual Loss Sustained

Period of Restoration 12 months

Waiting Period None

SP 30 19 10 18 BUSINESS INCOME FOR CIVIL AUTHORITY ORDERS

Duration of Coverage 30 days

Waiting Period None

SP 30 40 10 18 BUSINESS INCOME FOR OFF-PREMISES UTILITY

SERVICES

Limit $25,000

Waiting Period 12 hours

SP 30 14 10 18 BUSINESS INCOME FROM DEPENDENT PROPERTIES

Limit $25,000

Period of Restoration 12 months

Waiting Period None

SP 30 45 10 18 BUSINESS INCOME FROM OFF-PREMISES

OPERATIONS

Extended Business Income 60 days

Limit $25,000

Waiting Period None

SP 30 47 10 18 BUSINESS INCOME FROM WEBSITES

Limit $10,000

Max Period of Restoration 7 days

Waiting Period 12 hours

SP 30 32 10 18 CLAIM EXPENSE $10,000

SP 30 00 10 18 COLLAPSE Included2

SP 30 60 10 18 COMPUTERS WORLDWIDE Included in STRETCH® Blanket Limit

CONTINUED

Form: SC 00 01 10 18 5

FORM NUMBER FORM NAME LIMIT OF INSURANCE

SP 30 37 10 18 CONTRACT PENALTIES $1,000

SP 31 53 09 24 CYBER VIRUS AND MALWARE COVERAGE

Business Income & Extra Expense Waiting Period

12 hours

Business Income Period of Restoration 12 months

Digital Ransom and Extortion Threats - Sublimit $10,000

Policy Year Limit $25,000

SP 30 01 10 18 DEBRIS REMOVAL Included in STRETCH® Blanket Limit

Limit 25% of amount paid for covered loss

SP 30 29 09 24 ELECTRONIC DATA

Policy Year Limit $50,000

SP 30 42 10 18 EMPLOYEE DISHONESTY COVERAGE - EXCLUDES

ERISA COMPLIANCE

$10,000

SP 30 02 10 18 EQUIPMENT BREAKDOWN Included2

Deductible Property Deductible

Defense Included

Expediting Expenses $50,000

Hazardous Substances $50,000

Supplementary Payments Included

SP 30 38 10 18 EXPEDITING EXPENSES $10,000

SP 30 55 10 18 FINE ARTS COVERAGE $10,000

SP 30 03 10 18 FIRE DEPARTMENT SERVICE CHARGE Included in STRETCH® Blanket Limit

SP 30 04 10 18 FIRE EXTINGUISHER RECHARGE Included2

SP 30 16 12 19 FORGERY COVERAGE (INCLUDING CREDIT CARDS,

CURRENCY AND MONEY ORDERS)

$25,000

SP 30 46 10 18 FRAUDULENT TRANSFER COVERAGE $10,000

SP 31 51 12 23 FUNGI, WET ROT OR DRY ROT - LIMITED COVERAGE

Limit $50,000

Period of Restoration 30 days

SP 30 05 10 18 GARAGES, STORAGE BUILDINGS, AND OTHER

APPURTENANT STRUCTURES

$50,000

SP 30 06 10 18 GLASS EXPENSE Included2

SP 30 22 06 22 IDENTITY RECOVERY FOR BUSNESSOWNERS AND

EMPLOYEES

Deductible $250

Limit $15,000

CONTINUED

Form: SC 00 01 10 18 6

FORM NUMBER FORM NAME LIMIT OF INSURANCE

Lost Wages and Child and Elder Care Expense $250 per day, $5,000 per policy year

Mental Health Sublimit $1,500

SP 30 30 09 24 INTERRUPTION OF COMPUTER OPERATIONS

Period of Restoration 12 months

Policy Year Limit $25,000

Waiting Period 12 hours

SP 30 07 10 18 LEASE ASSESSMENT $2,500

SP 30 54 10 18 LEASEHOLD IMPROVEMENTS $25,000

SP 30 08 10 18 LOCK AND KEY REPLACEMENT $1,000

SP 30 36 03 20 LOST KEYS $1,000

SP 30 28 10 18 MONEY AND SECURITIES COVERAGE

Inside the Premises Limit $10,000

Outside the Premises Limit $5,000

SP 30 24 12 21 NEWLY ACQUIRED OR CONSTRUCTED PROPERTY

Newly Acquired or Constructed BI/EE Limit $250,000

Newly Acquired or Constructed BPP Limit $500,000

SP 30 39 10 18 NON-OWNED DETACHED TRAILERS Included in STRETCH® Blanket Limit

SP 30 50 10 18 OFF-PREMISES UTILITY SERVICES - DIRECT DAMAGE $10,000

SP 30 11 12 19 ORDINANCE OR LAW COVERAGE

Increased Cost of Construction & Demolition Costs Limit

$25,000

Undamaged Part Limit $25,000

SP 30 25 12 21 OUTDOOR PROPERTY $25,000

SP 31 35 10 18 OUTDOOR SIGNS ON PREMISES $10,000

SP 30 33 10 18 PAIRS OR SETS Included2

SP 30 53 10 18 PAVED SURFACES $15,000

SP 30 09 10 18 PERSONAL EFFECTS Included in STRETCH® Blanket Limit

SP 30 20 10 18 POLLUTANTS AND CONTAMINANTS CLEAN UP AND

REMOVAL

$15,000

SP 30 10 10 18 PRESERVATION OF PROPERTY 45 days

SP 30 26 10 18 PROPERTY OFF-PREMISES $25,000

SP 30 34 10 18 SALESPERSONS SAMPLES $1,000

SP 30 51 10 18 SPOILAGE Included in STRETCH® Blanket Limit

Business Income Limit $10,000

Waiting Period 12 hours

CONTINUED

Form: SC 00 01 10 18 7

FORM NUMBER FORM NAME LIMIT OF INSURANCE

SP 30 49 10 18 SUMP OVERFLOW OR SUMP PUMP FAILURE $15,000

SP 30 44 10 18 THEFT DAMAGE TO BUILDING Included2

SP 30 61 10 18 TRANSIT BUSINESS INCOME

Limit $10,000

Period of Restoration 12 months

Waiting Period None

SP 30 48 10 18 TRANSIT COVERAGE $10,000

SP 30 52 10 18 UNAUTHORIZED BUSINESS CARD USE $2,500

SP 30 12 10 18 VALUABLE PAPERS AND RECORDS Included in STRETCH® Blanket Limit

SP 30 35 10 18 VALUATION CHANGES: COMMODITY, FINISHED AND

MERCANTILE STOCK

Included within Covered Property Limit (Building and/or BPP)

SP 30 27 10 18 WATER DAMAGE, OTHER LIQUID, POWDER OR

MOLTEN MATERIAL DAMAGE

Included2

2Included within Covered Property Limit(s) (Building and/or Business Personal Property)

ALL OTHER PROPERTY FORMS

Form Number Form Name

SP 20 08 10 18 PERILS SPECIFICALLY EXCEPTED

SP 00 00 10 18 SPECIAL PROPERTY COVERAGE FORM

PROPERTY COVERAGE PREMIUM: $103*

* Price is subject to fees and surcharges. For more details, refer to Page 10

Business Liability Coverage Part

Form: SC 00 01 10 18 8

Your policy includes the liability coverages listed below. The limits in the right-hand column show the maximum amount we’ll pay.

FORM NUMBER FORM NAME LIMIT OF INSURANCE

SL 00 00 10 18 BUSINESS LIABILITY COVERAGE FORM

Damage To Premises Rented To You Limit $1,000,000

General Aggregate Limit $4,000,000

Liability and Medical Expenses Limit $2,000,000

Medical Expenses Limit $10,000

Personal and Advertising Injury Limit $2,000,000

Products-Completed Operations Aggregate Limit $4,000,000

Property Damage Liability Deductible No Deductible

ADDITIONAL BUSINESS LIABILITY COVERAGES

SL 30 32 06 21 BLANKET ADDITIONAL INSURED BY CONTRACT Included1

SL 30 26 10 18 HIRED AUTO AND NON-OWNED AUTO LIABILITY Included1

1Included in Business Liability Limit(s)

ALL OTHER BUSINESS LIABILITY FORMS

Form Number Form Name

SL 20 06 10 18 EXCLUSION - NUCLEAR ENERGY LIABILITY

SL 21 15 09 22 EXCLUSION - PERFLUOROALKYL AND POLYFLUOROALKYL SUBSTANCES (PFAS)

SL 20 78 10 18 EXCLUSION - SILICA - BUSINESS LIABILITY COVERAGE FORM

SL 01 05 10 18 COLORADO CHANGES - BUSINESS LIABILITY COVERAGE

BUSINESS LIABILITY COVERAGE PREMIUM: $280*

* Price is subject to fees and surcharges. For more details, refer to Page 10

Form: SC 00 01 10 18 9

Other Liability Coverages

Your policy also includes the following additional liability Coverage Parts or polices. Please see the applicable Declaration form for details.

DECLARATION

FORM NUMBER

COVERAGE NAME PREMIUM

SL 55 74 10 18 Employment Practices Liability Insurance Included

SL 50 00 10 18 Professional Liability $704

Declarations:

Common Forms

Your policy includes the Common Forms listed below. These forms apply to all Coverage Parts on your policy.

FORM NUMBER FORM NAME

SC 01 05 10 18 COLORADO CHANGES - COMMON POLICY CONDITIONS

SC 00 00 10 18 COMMON POLICY CONDITIONS

SC 00 01 10 18 DECLARATIONS: BUSINESS OWNER'S POLICY

SC 70 00 12 20 DISCLOSURE - CAP ON LOSSES - TERRORISM RISK INSURANCE ACT

G-4190-0 FRAUD NOTICE

IH12050221 GOODS AND SERVICES ENDORSEMENT

SC 50 64 06 20 IMPORTANT NOTICE TO POLICYHOLDER'S

SC 50 46 10 18 IMPORTANT NOTICE TO POLICYHOLDERS

SC 90 04 10 18 IMPORTANT NOTICE TO POLICYHOLDERS THE HARTFORD CYBER CENTER WEBSITE ACCESS

100722 INSURANCE POLICY BILLING INFORMATION

SC 50 31 10 18 PRODUCER COMPENSATION NOTICE

SC 00 12 10 18 SPECTRUM BUSINESS OWNER'S POLICY JACKET

SC 90 16 10 18 TRADE OR ECONOMIC SANCTIONS ENDORSEMENT

SC 90 15 10 18 US DEPARTMENT OF THE TREASURY, OFFICE OF FOREIGN ASSETS CONTROL (OFAC) ADVISORY

NOTICE TO POLICYHOLDERS

Other Charges

Form: SC 00 01 10 18 10

States laws and regulations may require you to pay taxes, fees, surcharges or other costs. We’ve listed those charges below

DESCRIPTION COST

Other Premiums

Policy Base Premium $240

Terrorism Premium $12

Fees, Surcharges and Taxes

Colorado Hazard Mitigation Fee $2

Declarations: Professional Liability Coverage Part

PROFESSIONAL LIABILITY DECLARATIONS

This Spectrum® Business Owner’s Policy consists of the Declarations, Coverage Forms, Coverage Parts, Common Policy Conditions and any other Forms and endorsements issued to be a part of the Policy. The Hartford® is Hartford Fire Insurance Company and its affiliated property and casualty insurance companies.

CONTINUED

Form: SL 50 00 10 18 Process Date: 04/28/2025 Policy Expiration Date: 06/07/2026 1

NOTICE: COVERAGE APPLIES ONLY TO CLAIMS FIRST MADE AGAINST THE INSURED DURING THE

POLICY PERIOD OR APPLICABLE EXTENDED REPORTING PERIOD AND WHICH HAVE BEEN

REPORTED TO US IN ACCORDANCE WITH THE APPLICABLE NOTICE PROVISIONS. THE LIMITS OF

LIABILITY AVAILABLE TO PAY DAMAGES SHALL BE REDUCED BY AMOUNTS INCURRED AS

CLAIMS EXPENSES. THE DEDUCTIBLE IS APPLICABLE TO CLAIMS EXPENSES AND DAMAGES.

PLEASE READ THE ENTIRE POLICY CAREFULLY AND DISCUSS THE COVERAGE WITH YOUR

INSURANCE AGENT OR BROKER.

This Declarations Page, with Common Policy Conditions, Professional Liability Coverage Form and Endorsements, if any, issued to form a part thereof, shall together constitute this Professional Liability Coverage Part which in turn forms a part of the Policy Number shown below.

The Nuclear Energy Liability Exclusion (Form SL 20 06) of the Policy to which this Coverage Part is attached also applies to this Coverage Part.

Policy Number: 34 SBA AY2YN3 Named Insured and Mailing Address:

Colorado Global Strategists LLC

2415 S RACE ST

DENVER, CO 80210-5150

Named Insured Is: Colorado Global Strategists LLC

Policy Period Effective Date: 06/07/2025 Expiration Date: 06/07/2026 12:01 A.M., Standard time at the address of the named insured as stated herein.

Insurer:

Hartford Underwriters Insurance Company One Hartford Plaza, Hartford, CT 06155

PREMIUM: $704

Declarations: Professional

CONTINUED

Form: SL 50 00 10 18 Process Date: 04/28/2025 Policy Expiration Date: 06/07/2026 2

POLICY PERIOD EFFECTIVE DATE: 06/07/2025 EXPIRATION DATE: 06/07/2026

12:01 A.M., Standard time at the address of the named insured as stated herein.

LIMITS OF LIABILITY INSURANCE

EACH CLAIM LIMIT: $1,000,000

AGGREGATE LIMIT: $1,000,000

CLAIM EXPENSE EACH CLAIM LIMIT: $No Coverage CLAIM EXPENSE AGGREGATE LIMIT: $No Coverage

SUBPOENA ASSISTANCE CLAIM

EXPENSE SUB-LIMIT: $25,000

DISCIPLINARY PROCEEDINGS CLAIM

EXPENSE SUB-LIMIT: $25,000

RETROACTIVE DATE: 06/07/2023

If no date is entered, the Retroactive Date is the same as the effective date of this Coverage Part.

DEDUCTIBLE: $1,000 Each Claim Deductible

Form Numbers of Forms and Endorsements that apply:

FORM NUMBER FORM NAME

SC 00 00 10 18 COMMON POLICY CONDITIONS

SL 20 06 10 18 EXCLUSION – NUCLEAR ENERGY LIABILITY

SL 50 02 10 18 COLORADO AMENDATORY ENDORSEMENT - PROFESSIONAL

LIABILITY

SL 50 57 10 18 PROFESSIONAL SERVICES ENDORSEMENT - BUSINESS OR

MANAGEMENT CONSULTANTS

SL 50 00 10 18 PROFESSIONAL LIABILITY DECLARATIONS

SL 50 45 10 18 PROFESSIONAL LIABILITY COVERAGE FORM

Countersigned by: 04/28/2025

Authorized Representative Date

Declarations: Employment Practices

Employment Practices Declarations

This Spectrum® Business Owner’s Policy consists of the Declarations, Coverage Forms, Coverage Parts, Common Policy Conditions and any other Forms and endorsements issued to be a part of the Policy. The Hartford® is Hartford Fire Insurance Company and its affiliated property and casualty insurance companies.

Form: SL 55 74 10 18 Process Date: 04/28/2025 Policy Expiration Date: 06/07/2026 1

COVERAGE PROVIDED BY THIS COVERAGE PART IS CLAIMS MADE COVERAGE. EXCEPT AS

OTHERWISE SPECIFIED HEREIN: COVERAGE APPLIES ONLY TO A CLAIM FIRST MADE AGAINST

THE INSUREDS DURING THE POLICY PERIOD AND WHICH HAS BEEN REPORTED TO US IN

ACCORDANCE WITH THE APPLICABLE NOTICE PROVISIONS. COVERAGE IS SUBJECT TO THE

INSURED’S PAYMENT OF THE APPLICABLE DEDUCTIBLE. PAYMENTS OF CLAIM EXPENSES ARE

SUBJECT TO, AND REDUCE, THE AVAILABLE LIMITS OF LIABILITY. PLEASE READ THE COVERAGE

PART CAREFULLY AND DISCUSS THE COVERAGE WITH YOUR INSURANCE AGENT OR BROKER.

UPON TERMINATION OF THIS COVERAGE PART, EXTENDED REPORTING PERIOD COVERAGE IS

AVAILABLE.

This Declarations Page, with Common Policy Conditions, Employment Practices Liability Coverage Form and Endorsements, if any, shall together constitute this Employment Practices Liability Coverage Part, which in turn forms a part of the Policy Number shown below.

The Nuclear Energy Liability Exclusion (Form SL 20 06) of the Policy to which this Coverage Part is attached also applies to this Coverage Part.

Policy Number: 34 SBA AY2YN3 Named Insured and Mailing Address:

Colorado Global Strategists LLC

2415 S RACE ST

DENVER, CO 80210-5150

Policy Period Effective date: 06/07/2025 Expiration date: 06/07/2026 12:01 A.M., Standard time at the address of the named insured as stated herein. 12 noon in New Hampshire.

Insurer:

Hartford Underwriters Insurance Company One Hartford Plaza, Hartford, CT 06155

PREMIUM: Included

Declarations: Employment Practices

CONTINUED

Form: SL 55 74 10 18 Process Date: 04/28/2025 Policy Expiration Date: 06/07/2026 2

POLICY PERIOD EFFECTIVE DATE: 06/07/2025 EXPIRATION DATE: 06/07/2026

12:01 A.M., Standard time at the address of the named insured as stated herein. Exception: 12 noon in New Hampshire.

LIMITS OF LIABILITY

EACH CLAIM LIMIT: $25,000

ANNUAL AGGREGATE LIMIT: $25,000

RETROACTIVE DATE: 06/07/2023

If no date is entered, the Retroactive Date is the same as the effective date of this Coverage Part.

DEDUCTIBLE: None

Form Numbers of Forms and Endorsements that apply:

FORM NUMBER FORM NAME

op

SL 55 39 10 18 COLORADO CHANGES - EMPLOYMENT PRACTICES LIABILITY

SL 55 37 10 18 RETROACTIVE DATE ENDORSEMENT - EMPLOYMENT PRACTICES LIABILITY

SL 55 02 10 18 EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM (CLAIMS MADE)

SL 55 36 10 18 THIRD PARTY LIABILITY ENDORSEMENT - EMPLOYMENT PRACTICES LIABILITY

SL 55 74 10 18 DECLARATIONS - EMPLOYMENT PRACTICES LIABILITY COVERAGE PART

SL 55 34 10 18 WAGE AND HOUR CLAIMS EXPENSES - EMPLOYMENT PRACTICES LIABILITY

SL 55 26 10 18 COLORADO CHANGES - EMPLOYMENT PRACTICES LIABILITY INSURANCE

SL 55 63 10 18 IMPORTANT NOTICE TO POLICYHOLDERS - COLORADO DISCLOSURE NOTICE

CLAIMS MADE COVERAGE PART (EMPLOYMENT PRACTICES LIABILITY)

Countersigned by: 04/28/2025

Authorized Representative Date

Form SC 50 46 10 18 Page 1 of 1

(May include copyrighted material of Insurance Services Office, Inc., with its permission)

IMPORTANT NOTICE TO POLICYHOLDERS

To help your insurance keep pace with increasing costs, we have increased your amount of insurance . . . giving you better protection in case of either a partial, or total loss to your property.

If you feel the new amount is not the proper one, please contact your agent or broker.

Form SP 00 00 10 18

(May include copyrighted material of Insurance Services Office, Inc., with its permission)

SPECIAL PROPERTY COVERAGE FORM

SPECIAL PROPERTY COVERAGE FORM

READ YOUR POLICY CAREFULLY

QUICK REFERENCE Beginning on Page

A. COVERAGES 1

Covered Property 1 Property Not Covered 2 Covered Causes of Loss 2 Limitations 2 Additional Coverages 3 Coverage Extensions 3

B. EXCLUSIONS 3

C. LIMITS OF INSURANCE 9

D. DEDUCTIBLES 10

E. PROPERTY LOSS CONDITIONS 10

Abandonment 10 Appraisal 10 Duties in the Event of Loss or Damage 10 Legal Action Against Us 11 Loss Payment 11 Recovered Property 13 Salvage 14 Vacancy 14

F. PROPERTY GENERAL CONDITIONS 14

Control of Property 14 Mortgage Holders 14 No Benefit to Bailee 15 Other Insurance 15 Policy Period, Coverage Territory 15 Transfer Of Rights of Recovery Against Others To Us 15

G. PROPERTY DEFINITIONS 16

Form SP 00 00 10 18 Page 1 of 19

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SPECIAL PROPERTY COVERAGE FORM

Various provisions in this Policy restrict coverage. Read the entire Policy carefully to determine rights, duties, and what is and is not covered.

Throughout this Coverage Part the words "you" and "your" refer to the Named Insured shown in the Declarations. The words "we," "us" and "our" refer to the Company providing this insurance.

"Policy period", as used in this Coverage Part, means the period from the effective date of this Coverage Part to the expiration date of the Coverage Part as stated in the Declarations or the date of cancellation, whichever is earlier.

Other words and phrases that appear in quotation marks have special meaning. Refer to Section G., PROPERTY

DEFINITIONS.

A. COVERAGE

We will pay for direct physical loss of or direct physical damage to Covered Property at the premises described in the Declarations (also called "scheduled premises" in this Coverage Part) caused by or resulting from a Covered Cause of Loss.

1. Covered Property

Covered Property as used in this Coverage Part, means the following types of property for which a Limit of Insurance is shown in the Declarations:

a. Buildings, meaning the building(s) and structure(s) described in the Declarations, including:

(1) Completed additions;

(2) Fixtures, including outdoor fixtures;

(3) Permanently installed:

(a) Machinery; and

(b) Equipment;

(4) Your personal property in apartments, rooms or common areas furnished by you as landlord;

(5) Building Glass, meaning glass that is part of a building or structure;

(6) Personal property owned by you that is used to maintain or service the buildings or structures on the premises, including:

(a) Fire extinguishing equipment;

(b) Outdoor furniture;

(c) Floor coverings; and

(d) Appliances used for refrigerating, ventilating, cooking, dishwashing or laundering;

(7) If not covered by other insurance:

(a) Additions under construction, alterations and repairs to the buildings or structures;

(b) Materials, equipment, supplies and temporary structures, on or within 1,000 feet of the "scheduled premises", used for making additions, alterations or repairs to the buildings or structures.

b. Business Personal Property located in or on the building(s) or structure(s) described in the Declarations at the "scheduled premises" or in the open (or in a vehicle) within 1,000 feet of the building(s) or structure(s) or within 1,000 feet of the "scheduled premises", whichever distance is greater, including:

(1) Property you own that is used in your business;

(2) Tools and equipment owned by your “employees”, which are used in your business “operations”;

(3) Property of others that is in your care, custody or control;

(4) “Tenant improvements and betterments”;

(5) Leased personal property for which you have contractual responsibility to insure, unless otherwise provided for under this Coverage Part; and

Form SP 00 00 10 18 Page 2 of 19

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(6) Exterior building glass, if you are a tenant and no Limit of Insurance is shown in the Declarations for Building property. The glass must be owned by you or in your care, custody or control and for which the lease holds you responsible.

2. Property Not Covered Covered Property does not include:

a. Aircraft (including “unmanned aircraft”, other than “unmanned aircraft” held for sale);

b. Automobiles, motortrucks and other vehicles subject to motor vehicle registration;

c. Automobiles held for sale;

d. Trailers or semi-trailers except as otherwise provided for in this Coverage Part;

e. "Money”, bank notes and "securities", except as otherwise provided in this Coverage Part;

f. Contraband, or property in the course of illegal transportation or trade;

g. Land, whether or not resurfaced with stone, gravel or similar layer or a paved surface, (including land on which the property is located), land improvements, water (including water that is natural, metered water that is purchased from a utility company or other supplier, water that is located within a swimming pool, and/or bulk containerized water which is used for a fire suppression system. This does not include containerized water that is “stock”), growing crops, standing timber or lawns (other than lawns which are part of a vegetated roof);

h. Outdoor fences, radio or television antennas (including satellite dishes), including their lead-in wiring, masts or towers, signs (other than signs attached to buildings), trees, shrubs or plants (other than “stock” of trees, shrubs or plants or trees, shrubs or plants which are sold but not delivered or which are part of a vegetated roof), except as otherwise provided for in this Coverage Part;

i. Watercraft (including motors, equipment and accessories) while afloat;

j. “Valuable papers and records” (including the cost to research, replace or restore the information on "valuable papers and records"), except as otherwise provided for in this Coverage Part;

k. "Electronic data" (including the cost to research, replace or restore “electronic data”) except as otherwise provided for in this Coverage Part. This Paragraph k. does not apply to your “stock” of prepackaged software;

l. Accounts, bills, food stamps, other evidences of debt or accounts receivable, except as otherwise provided for in this Coverage Part;

m. “Computer(s)” which are permanently installed in aircraft, watercraft, motor truck, or other vehicles subject to motor vehicle registration;

n. Live eggs, embryos and cells;

o. Animals, unless owned by others and boarded by you, or if owned by you, only as “stock” while inside of buildings, except as otherwise provided for in this Coverage Part; and

p. Property that is more specifically covered, insured or described elsewhere within this Coverage Part or in any other policy, except for the excess of the amount due (whether you can collect on it or not) from other insurance.

3. Covered Causes of Loss Covered Cause of Loss means direct physical loss or direct physical damage unless the loss or damage is excluded or limited in this Coverage Part.

4. Limitations

a. We will not pay for loss of or damage to:

(1) Property that is missing, where the only evidence of the loss or damage is a shortage disclosed on taking inventory, or other instances where there is no physical evidence to show what happened to the property;

(2) Property that has been transferred to a person or to a place outside the "scheduled premises" on the basis of unauthorized instructions, except as otherwise provided for in this Coverage Part; or

(3) The interior of any building or structure, or to personal property in the building or structure, caused by or resulting from rain, snow, sleet, ice, sand or dust, whether driven by wind or not, unless:

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(a) The building or structure first sustains physical damage by a Covered Cause of Loss to its roof or walls through which the rain, snow, sleet, ice, sand or dust enters; or

(b) The loss or damage is caused by or results from thawing of snow, sleet, or ice on the building or structure.

b. Pets and animals are covered only if they are:

(1) Stolen; or

(2) Their destruction is made necessary by or are killed by a "specified cause of loss".

c. For direct physical loss or direct physical damage by theft, the following types of property are covered only up to the limits shown:

(1) $2,500 for furs, fur garments and garments trimmed with fur;

(2) $5,000 for jewelry, watches, watch movements, jewels, pearls, precious and semi-precious stones, bullion, gold, silver, platinum and other precious alloys or metals. This limit does not apply to jewelry and watches worth $500 or less per item;

(3) $2,500 for patterns, dies, molds and forms; and

(4) $500 for stamps, lottery tickets held for sale and letters of credit.

d. We will not pay for loss or damage to lawns, trees, shrubs or plants which are part of a vegetated roof, caused by or resulting from:

(1) Dampness or dryness of atmosphere or of soil supporting the vegetation;

(2) Changes in or extremes of temperature;

(3) Frost or hail; or

(4) Rain, snow, ice or sleet.

e. The most we will pay for direct physical loss or direct physical damage to outdoor signs attached to buildings is $5,000 per sign in any one occurrence.

5. Additional Coverages Additional Coverages may be attached to this Coverage Part by endorsement and would be shown in the Declarations. Unless otherwise stated, the Limits of Insurance available under these Additional Coverages are subject to and not in addition to the Limits of Insurance in this Coverage Form.

6. Coverage Extensions Coverage Extensions may be attached to this Coverage Part by endorsement and would be shown in the Declarations. Unless otherwise stated, the Limits of Insurance available under these Coverage Extensions are in addition to the Limits of Insurance in this Coverage Form.

B. EXCLUSIONS

1. We will not pay for loss or damage caused directly or indirectly by any of the following. Such loss or damage is excluded regardless of any other cause or event that contributes concurrently or in any sequence to the loss.

These exclusions apply whether or not the loss event results in widespread damage or affects a substantial area.

a. Earth Movement

(1) Earthquake, meaning a shaking or trembling of the earth’s crust, including tremors and aftershocks, resulting in breaking, shifting, rising, settling, sinking or lateral movement;

(2) Landslide, including any earth sinking, rising or shifting related to such event;

(3) Mine subsidence, meaning subsidence of a man-made mine, whether or not mining activity has ceased;

(4) Earth sinking (other than sinkhole collapse), rising or shifting including soil conditions which cause settling, cracking or other disarrangement of foundations or other parts of realty. Soil conditions include contraction, expansion, freezing, thawing, erosion, improperly compacted soil, and the action of water under the ground surface;

Form SP 00 00 10 18 Page 4 of 19

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But if Earth Movement, as described in Paragraphs (1) through (4) above, results in fire or explosion damage to Covered Property, we will pay for the physical loss or physical damage to Covered Property caused by that fire or explosion.

(5) Volcanic eruption, explosion or effusion. But if volcanic eruption, explosion or effusion results in fire or volcanic action damage to Covered Property, we will pay for the physical loss or physical damage caused by that fire or volcanic action.

Volcanic action means direct physical loss or direct physical damage resulting from the eruption of a volcano when the direct physical loss or direct physical damage is caused by:

(a) Airborne volcanic blast or airborne shock waves;

(b) Ash, dust, or particulate matter; or

(c) Lava flow.

With respect to coverage for volcanic action as set forth in 5(a) through 5(c) above, all volcanic eruptions that occur within any 168-hour period will constitute a single occurrence.

Volcanic action does not include the cost to remove ash, dust, or particulate matter that does not cause direct physical loss or direct physical damage to Covered Property.

This Exclusion applies regardless of whether any of the above, in Paragraphs (1) through (5), is caused by weather, an act of nature or by an artificial, man-made or other cause.

b. Governmental Action Seizure or destruction of property by order of governmental authority.

But we will pay for direct physical loss or direct physical damage to Covered Property caused by or resulting from acts of destruction ordered by governmental authority and taken at the time of a fire to prevent its spread, if the fire would be covered under this Coverage Part.

c. Nuclear Hazard

(1) Nuclear reaction, nuclear radiation or radioactive contamination, however caused, whether intentional or unintentional. This includes, but is not limited to, the release, dispersal or application of radioactive material, or the use of a nuclear weapon or device that involves or produces a nuclear reaction, nuclear radiation or radioactive contamination or radioactive force.

(2) When state standard fire policy law requires that we cover any resulting fire damage, we will pay only for the resulting damage to Covered Property caused by that resulting fire, if the fire would be covered under this Coverage Part. We will pay only the actual cash value for the damaged property. Therefore, we will not pay for any indirect or related loss(es), such as Business Income, Extra Expense, legal liability, or leasehold interest loss(es).

d. Utility Services The failure of “communication supply services”, “power supply services”, “wastewater removal services”, “water supply services” or other utility service supplied to the "scheduled premises", however caused, if the failure:

(1) Originates away from the “scheduled premises”; or

(2) Originates at the “scheduled premises” but only if such failure involves equipment used to supply the utility service to the “scheduled premises” from a source away from the “scheduled premises”.

Failure of any utility service includes lack of sufficient capacity and reduction in supply necessary to maintain normal “operations”.

But if physical loss or physical damage to Covered Property by a Covered Cause of Loss results, we will pay for that resulting physical loss or physical damage.

e. War and Military Action

(1) War, including undeclared or civil war;

(2) Hostile or warlike action, in time of peace or war, including action in hindering, combating or defending against an actual or expected attack, by any of the following:

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(a) Government or sovereign power (including quasi and de facto forms), or by any authority maintaining or using military, naval or air forces;

(b) Military, naval or air forces; or

(c) An agent of such government, power, authority or forces.

(3) Invasion, insurrection, rebellion, revolution, usurped power, or action taken by governmental authority in hindering, combating or defending against such actual or expected event by any government, power, authority, forces or agents described in Paragraphs (2)(a) through (2)(c) above.

f. Water

(1) Flood, surface water, waves (including tidal waves and tsunami), tides, tidal water, overflow of streams or any other natural or man-made bodies of water, or spray from any of these, all whether or not driven by wind (including storm surge);

(2) Mudslide or mudflow;

(3) Water or sewage that backs up or overflows or is otherwise discharged from a sewer, drain, sump, sump pump or related equipment;

(4) Water under the ground surface pressing on, or flowing or seeping through:

(a) Foundations, walls, floors or paved surfaces;

(b) Basements, whether paved or not; or

(c) Doors, windows or other openings;

(5) Waterborne material carried or otherwise moved by any of the water referred to in Paragraphs (1), (3) or (4), or material carried or otherwise moved by mudslide or mudflow.

But if any of the above in Paragraphs (1) through (5), results in fire, explosion or sprinkler leakage damage to Covered Property, we will pay for the direct physical loss or direct physical damage caused by that fire, explosion or sprinkler leakage.

(6) Water damage caused by or resulting from earthquake or volcanic eruption as described in Exclusion

1.a., Earth Movement.

This Exclusion applies regardless of whether any of the above, in Paragraphs (1) through (6), is caused by an act of nature or by an artificial, man-made or other cause.

g. “Fungi”, Wet Rot or Dry Rot Presence, growth, proliferation, spread or any activity of “fungi”, wet rot or dry rot.

But if “fungi”, wet rot or dry rot results in a “specified cause of loss” to Covered Property, we will pay for the loss or damage caused by the “specified cause of loss”.

This exclusion does not apply when “fungi”, wet rot or dry rot results from fire or lightning.

h. Virus or Bacteria

(1) Any virus, bacterium or other microorganism that induces or is capable of inducing physical distress, illness or disease.

(2) With respect to any loss or damage subject to the exclusion in Paragraph (1) above, such exclusion supersedes any exclusion relating to “pollutants and contaminants”.

i. Ordinance Or Law

(1) The enforcement of or compliance with any ordinance or law:

(a) Regulating the construction, use or repair of any property; or

(b) Requiring the tearing down of any property, including the cost of removing its debris.

(2) This exclusion applies whether the loss results from:

(a) An ordinance or law that is enforced even if the property has not been damaged; or

(b) The increased costs incurred to comply with an ordinance or law in the course of construction, repair, renovation, remodeling or demolition of property or removal of its debris, following a physical loss to that property.

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j. Electronic Vandalism or Corruption of “Electronic Data” or Corruption of “Computer(s)”

(1) Destruction or corruption of “electronic data” caused by virus, malicious code or similar instruction introduced into or enacted on a “computer” system (including “electronic data”) or a network to which it is connected, designed to destroy or corrupt “electronic data”;

(2) Unauthorized viewing, copying or use of “electronic data” (or any proprietary or confidential information or intellectual property in any form) by any person, even if such activity is characterized as theft;

(3) Manipulation of your “computer” system including “electronic data” by any person(s), for the purpose of diverting or destroying “electronic data” or causing fraudulent or illegal transfer of any property;

(4) Interruption in normal “computer” function on network service or function due to insufficient capacity to process transactions or to an overload of activity on the system or network;

(5) Unexplained or indeterminable failure, malfunction or slowdown of a “computer” system, including “electronic data” or the inability to access or properly manipulate the “electronic data”;

(6) Complete or substantial failure, disablement or shutdown of the internet, regardless of cause;

(7) The inability of a “computer” system to correctly recognize, process, distinguish, interpret or accept one or more dates or times.

But if direct physical loss or direct physical damage occurs to Covered Property from a resulting Covered Cause of Loss, we will pay for that resulting direct physical loss or direct physical damage. Mere loss of use or loss of functionality of any property is not considered physical loss or physical damage

2. We will not pay for loss or damage caused by or resulting from:

a. Electrical Apparatus

(1) Artificially generated electrical, magnetic or electromagnetic energy that damages, disturbs, disrupts or otherwise interferes with any:

(a) Electrical or electronic wire, device, appliance, system or network; or

(b) Device, appliance, system or network utilizing cellular or satellite technology.

(2) For the purpose of this…