CTR078408_COI_2025-10-21.pdf

SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE

THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN

ACCORDANCE WITH THE POLICY PROVISIONS.

INSURER(S) AFFORDING COVERAGE

INSURER F :

INSURER E :

INSURER D :

INSURER C :

INSURER B :

INSURER A :

NAIC #

NAME:

CONTACT

(A/C, No):

FAX

E-MAIL

ADDRESS:

PRODUCER

(A/C, No, Ext):

PHONE

INSURED

REVISION NUMBER:CERTIFICATE NUMBER:COVERAGES

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).

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.

OTHER:

(Per accident)

(Ea accident)

N / A

SUBR

WVD

ADDL

INSD

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.

$PROPERTY DAMAGE

BODILY INJURY (Per accident)

BODILY INJURY (Per person)

COMBINED SINGLE LIMIT

AUTOS ONLY

AUTOSAUTOS ONLY

NON-OWNED

SCHEDULEDOWNED

ANY AUTO

AUTOMOBILE LIABILITY

Y / N

WORKERS COMPENSATION

AND EMPLOYERS' LIABILITY

OFFICER/MEMBER EXCLUDED?

(Mandatory in NH)

DESCRIPTION OF OPERATIONS below If yes, describe under

ANY PROPRIETOR/PARTNER/EXECUTIVE

E.L. DISEASE - POLICY LIMIT

E.L. DISEASE - EA EMPLOYEE

E.L. EACH ACCIDENT

ER

OTH-

STATUTE

PER

LIMITS(MM/DD/YYYY)

POLICY EXP

(MM/DD/YYYY)

POLICY EFF

POLICY NUMBERTYPE OF INSURANCELTR

INSR

DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required)

EXCESS LIAB

UMBRELLA LIAB $EACH OCCURRENCE

$AGGREGATE

OCCUR

CLAIMS-MADE

DED RETENTION $

$PRODUCTS - COMP/OP AGG

$GENERAL AGGREGATE

$PERSONAL & ADV INJURY

$MED EXP (Any one person)

$EACH OCCURRENCE

DAMAGE TO RENTED

$PREMISES (Ea occurrence)

COMMERCIAL GENERAL LIABILITY

CLAIMS-MADE OCCUR

GEN'L AGGREGATE LIMIT APPLIES PER:

POLICY

PRO-

JECT LOC

CERTIFICATE OF LIABILITY INSURANCE

DATE (MM/DD/YYYY)

CANCELLATION

AUTHORIZED REPRESENTATIVE

ACORD 25 (2016/03)

© 1988-2015 ACORD CORPORATION. All rights reserved.

CERTIFICATE HOLDER

The ACORD name and logo are registered marks of ACORD

HIRED

AUTOS ONLY

8/22/2025

Breinholt Anderson Insurance Consultants LLC 4140 E. Baseline Road, Suite 201 Mesa AZ 85206

Nikki Steele 480-935-7003 480-935-7009 certificates@baicins.com

HDI Global Insurance Company 41343 BREICON-01 Starstone Specialty Insurance Company 44776

Breinholt Contracting Co. Inc.

1955 W. Commerce Ave.

Gilbert AZ 85233

Service American Indemnity Company 39152 Westchester Surplus Lines Insurance Company 10172 Travelers Property Casualty Company of America 25674

195494473

A X 1,000,000 X 100,000

5,000

1,000,000

2,000,000 X X

Y Y HDI55CL0610517-07 10/21/2024 10/21/2025

2,000,000

A 1,000,000

X

X X

Y Y HDI55CL0610517-07 10/21/2024 10/21/2025

B X 2,000,000 X

Y 89962A244ALI 10/21/2024Y 10/21/2025

2,000,000 X 0

C X

Y

Y SAMTWC1025801 1/1/2025 1/1/2026

1,000,000

1,000,000

1,000,000 D E E

Pollution Liability Leased/Rented Equipment Motor Truck Cargo

Y Y G71195016 007 6603T668737 6603T668737

10/21/2024 10/21/2024 10/21/2024

10/21/2025 10/21/2025 10/21/2025

$3Mil Occ/$6Mil Agg Limit: $400,000 Single Conveyance

$5,000 Ded $5,000 Ded $1,000,000

The General Liability, Business Auto and Pollution Liability policies include an automatic Additional Insured endorsement that provides Additional Insured status to the Certificate Holder and any additional entities listed, if any, only when there is a written contract that requires such status, and only with regard to work performed on behalf of the named insured. The General Liability, Business Auto and Pollution Liability policies contains the endorsement with Primary and Noncontributory wording, when required by written contract. The General Liability, Business Auto, Pollution Liability and Workers Compensation policies provide a Waiver of Subrogation when required by written contract. The Excess Liability policy follows form to the General Liability, Business Auto and Employers Liability policies Re Project: #13333 Demolition of Parcel 7-12292, 17037 W Yuma Rd., Goodyear, AZ

ADOT

Attn: Danyelle Ellington 1655 W Jackson St MD 100P Room 129 Phoenix AZ 85007

Cindy Lewis Accepted

CG 20 10 07 04 © ISO Properties, Inc., 2004 Page 1 of 1 !

POLICY NUMBER: HDI55CL0610517-7 COMMERCIAL GENERAL LIABILITY

CG 20 10 07 04

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

ADDITIONAL INSURED ! OWNERS, LESSEES OR

CONTRACTORS ! SCHEDULED PERSON OR

ORGANIZATION

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

SCHEDULE

Name Of Additional Insured Person(s) Or Organization(s): Location(s) Of Covered Operations

Blanket coverage for all projects within the State of Arizona 1955 W. COMMERCE AVE., Gilbert, AZ 85233

Any location required in a contract or agreement with the Additional In-sured

Information required to complete this Schedule, if not shown above, will be shown in the Declarations.

A. Section II ! Who Is An Insured is amended to include as an additional insured the person(s) or organization(s) shown in the Schedule, but only with respect to liability for "bodily injury", "property damage" or "personal and advertising injury" caused, in whole or in part, by:

1. Your acts or omissions; or

2. The acts or omissions of those acting on your behalf;

in the performance of your ongoing operations for the additional insured(s) at the location(s) desig-nated above.

B. With respect to the insurance afforded to these additional insureds, the following additional exclu-sions apply:

This insurance does not apply to "bodily injury" or "property damage" occurring after:

1. All work, including materials, parts or equip-ment furnished in connection with such work, on the project (other than service, maintenance or repairs) to be performed by or on behalf of the additional insured(s) at the location of the covered operations has been completed; or

2. That portion of "your work" out of which the injury or damage arises has been put to its in-tended use by any person or organization other than another contractor or subcontractor en-gaged in performing operations for a principal as a part of the same project.

POLICY NUMBER: HDI55CL0610517-7 COMMERCIAL GENERAL LIABILITY

CG 20 37 07 04

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CG 20 37 07 04 © ISO Properties, Inc., 2004 Page 1 of 1 !

ADDITIONAL INSURED ! OWNERS, LESSEES OR

CONTRACTORS ! COMPLETED OPERATIONS

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

SCHEDULE

Name Of Additional Insured Person(s) Or Organization(s): Location And Description Of Completed Operations

Blanket coverage for all projects within the State of Arizona 1955 W. COMMERCE AVE., Gilbert, AZ 85233

Any location required in a contract or agreement with the Additional Insured

Information required to complete this Schedule, if not shown above, will be shown in the Declarations.

Section II ! Who Is An Insured is amended to include as an additional insured the person(s) or organization(s) shown in the Schedule, but only with respect to liability for "bodily injury" or "property dam-age" caused, in whole or in part, by "your work" at the location designated and described in the sched-ule of this endorsement performed for that additional insured and included in the "products-completed operations hazard".

MP 97 67 10 10 Includes copyrighted material of Insurance Services Office, Inc. and Page 1 of 25 American Association of Insurance Services, Inc., with their permission

ARTISANS ADVANTAGE ENHANCED COVERAGE ENDORSEMENT

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

This endorsement modifies insurance provided under the following:

BUILDING AND PERSONAL PROPERTY COVERAGE FORM

CAUSES OF LOSS ! SPECIAL FORM

COMMERCIAL PROPERTY CONDITIONS

COMMERCIAL GENERAL LIABILITY COVERAGE FORM

When this endorsement is attached to the policy, insurance under the Building and Personal Property Coverage Form, the Causes of Loss ! Special Form, the Commercial Property Conditions and the Commercial General Liability Coverage Form is enhanced to provide the coverages described in this endorsement. All other conditions of the policy continue to apply.

This coverage is subject to the provisions applicable to the Building and Personal Property Coverage Form, Causes of Loss ! Special Form, the Commercial Property Conditions and the General Liability Coverage Form.

SCHEDULE

Coverage Enhancements Limits of Insurance Each Location

Property Coverage Premises Boundary 1,000 feet

Property Coverage Extensions Newly Acquired or Constructed Property

Buildings $500,000. at Each Building Business Personal Property $250,000. at Each Building

Personal Effects and Property of Others $ 25,000. at Replacement Cost Valuable Papers and Records (Other than Electronic Data) $ 25,000.

Property Off-Premises (Including Laptops and Other Electronic Equipment) $ 15,000.

Outdoor Property (Named Perils) $ 1,000. per tree/shrub, max. limit $25,000.

Non-Owned Detached Trailers $ 10,000.

Accounts Receivable $ 50,000.

Property in Transit (Including Laptops and Other Electronic Equipment) $ 15,000.

Fine Arts $ 25,000.

Property Additional Coverages Debris Removal $ 25,000.

Fire Department Service Charge $ 5,000.

Pollutant Clean-up and Removal $ 15,000.

Electronic Data $ 25,000.

Interruption of Computer Operations $ 15,000.

Arson Reward $ 5,000.

Water Back-Up and Sump Overflow $ 25,000.

Brands and Labels $ 25,000.

Employee Theft $ 10,000.

Business Income Including Extra Expense $ 25,000.

Business Income from Dependent Properties $ 10,000.

Claims Expenses $ 10,000.

Inventory or Appraisal Cost $ 5,000.

Money and Securities

Inside Outside

$ 10,000.

$ 5,000.

Off Premises Power Failure ! Direct Damage $ 10,000.

Ordinance or Law Coverage

Coverage A Coverages B and C Combined

Included within Building Limit.

25% of Bldg. Limit, $150,000. maximum

Outdoor Signs $ 10,000.

Recharging of Fire Extinguishers $ 5,000.

Unauthorized Business Card Use $ 5,000.

Forgery or Alteration $ 10,000.

Salespersons Samples $ 2,500.

POLICY NUMBER: HDI55CL0610517-7

Page 2 of 25 Includes copyrighted material of Insurance Services Office, Inc. and MP 97 67 10 10

Inland Marine Coverages Installation Coverage $ 10,000.

Contractors Equipment Coverages:

Small Tools $ 5,000. (Maximum limit per item $1,000) Employee Small Tools $ 1,000. (Maximum limit per item $250) Leased and Rented Equipment $ 5,000.

Rental Reimbursement $ 1,000.

General Liability Additional Coverages Blanket Additional Insured (Including Primary Non-Contributing Coverage) Included in Each Occurrence Limit Mobile Equipment Broadened Coverage Included in Each Occurrence Limit Aggregate Limit Per Project Included in Each Occurrence Limit Blanket Waiver Included in Each Occurrence Limit Voluntary Property Damage Coverage $ 2,500.

The following applies to coverages under this endorsement only.

Property Coverage

The phrase #within 100 feet of the described premises& used in Paragraphs a.(5)(b), b. and c.(2) under A.1. Covered Property of the BUILDING AND PERSONAL PROPERTY COVERAGE FORM and Paragraph 2.c.(1) under C.

Limitations of the CAUSES OF LOSS ! SPECIAL FORM is replaced by the phrase #within 1,000 feet of the described premises&.

Property Coverage Extensions

Paragraph A.5. Coverage Extensions of the BUILDING AND PERSONAL PROPERTY COVERAGE FORM is deleted in its entirety and replaced by the following:

5. Coverage Extensions

Except as otherwise provided, the following Extensions apply to property located in or on the building described in the Declarations or in the open (or in a vehicle) within 1,000 feet of the described premises.

If a Coinsurance percentage of 80% or more or, a Value Reporting period symbol, is shown in the Declarations, you may extend the insurance provided by this Coverage Part as follows:

a. Newly Acquired Or Constructed Property

(1) Buildings If this policy covers Building, you may extend that insurance to apply to:

(a) Your new buildings while being built on the described premises; and

(b) Buildings you acquire at locations, other than the described premises, intended for:

(i) Similar use as the building described in the Declarations; or

(ii) Use as a warehouse.

The most we will pay for loss or damage under this Extension is $500,000 at each building.

(2) Your Business Personal Property

(a) If this policy covers Your Business Personal Property, you may extend that insurance to apply to:

(i) Business personal property, including such property that you newly acquire, at any location you acquire, at any location you acquire other than at fairs, trade shows or exhibitions;

(ii) Business personal property, including such property that you newly acquire, located at your newly constructed or acquired buildings at the location described in the Declarations; or

(iii) Business personal property that you newly acquire, located at the described premises.

The most we will pay for loss or damage under this Extension is $250,000 at each building.

(b) This Extension does not apply to:

(i) Personal property of others that is temporarily in your possession in the course of installing or

MP 97 67 10 10 Includes copyrighted material of Insurance Services Office, Inc. and Page 3 of 25 performing work on such property; or

(ii) Personal property of others that is temporarily in your possession in the course of your manufacturing or wholesaling activities.

(3) Period of Coverage

With respect to insurance on or at each newly acquired or constructed property, coverage will end when any of the following first occurs:

(a) This policy expires;

(b) 30 days expire after you acquire or begin construction of that part of the building that would qualify as covered property; or

(c) You report values to us.

We will charge you additional premium for values reported from the date you acquire the property or begin construction of that part of the building that would qualify as covered property.

b. Personal Effects And Property Of Others

(1) You may extend the insurance that applies to Your Business Personal Property to apply to:

(a) Personal effects owned by you, your officers, your partners or members, your managers or your employees.

(b) Personal property of others in your care, custody or control.

This Extension does not apply to employee tools.

(2) The most we will pay for loss or damage under this Extension is $25,000 at each described premises. Our payment for loss of or damage to personal property of others will only be for the account of the owner of the property.

(3) Extension Of Replacement Cost To Personal Property Of Others

(a) Replacement Cost coverage is extended to apply to personal property of others.

(b) Paragraphs 3.b.(1) and 4. under G. Optional Coverages of the BUILDING AND PERSONAL PROPERTY

COVERAGE FORM are deleted and all other provisions of the Replacement Cost Optional Coverage apply to replacement cost on personal property of others.

(c) With respect to replacement cost on the personal property of others the following limitation applies:

If an item of personal property of others is subject to a written contract which governs your liability for loss or damage to that item, then valuation of that item will be based on the amount for which you are liable under such contract, but not to exceed the lesser of the replacement cost of the property or the applicable Limit of Insurance.

c. Valuable Papers And Records (Other Than Electronic Data)

(1) You may extend the insurance that applies to Your Business Personal Property to apply to direct physical loss or damage to valuable papers and records that you own, or that are in your care, custody or control, caused by or resulting from a Covered Cause of Loss. This Extension includes the cost to research lost information on valuable papers and records for which duplicates do not exist. But this Extension does not apply to valuable papers and records which exist as electronic data. Electronic data has the meaning described under Property Not Covered, Electronic Data.

(2) Coverage under this Extension is limited to the *specified causes of loss< as defined in the CAUSES OF LOSS ! SPECIAL FORM, and Collapse as set forth in that form.

(3) This Extension does not apply to:

(a) Property held as samples or for delivery after sale;

(b) Property in storage away from the premises shown in the Declarations.

(4) Section B. Exclusions in the CAUSES OF LOSS ! SPECIAL FORM does not apply to this Extension, except for:

(a) Paragraph B.1.c. Governmental Action;

(b) Paragraph B.1.d. Nuclear Hazard;

(c) Paragraph B.1.f. War And Military Action;

(d) Paragraph B.2.f.;

(e) Paragraph B.2.g.; and

(f) Paragraph B.3.

(5) The most we will pay under this Extension for loss or damage to valuable papers and records in any one

Page 4 of 25 Includes copyrighted material of Insurance Services Office, Inc. and MP 97 67 10 10 occurrence at each described premises is $25,000.

For valuable papers and records not at a described premises, the most we will pay is $5,000 in any one occurrence.

Such amounts are additional insurance. We will also pay for the cost of blank material for reproducing the records (whether or not duplicates exist), and (when there is a duplicate) for the cost of labor to transcribe or copy the records. The costs of blank material and labor are subject to the applicable Limit of Insurance on Your Business Personal Property and therefore coverage of such costs is not additional insurance.

d. Property Off!Premises (Including Laptops And Other Electronic Equipment)

(1) You may extend the insurance provided by this Coverage Form to apply to your Covered Property while it is away from the described premises, if it is:

(a) Temporarily at a location you do not own, lease or operate;

(b) In storage at a location you lease, provided the lease was executed after the beginning of the current policy term; or

(c) At any fair, trade show or exhibition.

(2) This Extension does not apply to property:

(a) In or on a vehicle; or

(b) In the care, custody or control of your salespersons, unless the property is in such care, custody or control at a fair, trade show or exhibition.

(3) The most we will pay for loss or damage under this Extension is $15,000.

e. Outdoor Property (Named Perils) You may extend the insurance provided by this Coverage Form to apply to your outdoor fences, retaining walls (other than retaining walls that are a part of a building), radio and television antennas (including satellite dishes), signs (other than signs attached to buildings), trees, shrubs and plants (other than *stock< of trees, shrubs or plants), including debris removal expense, caused by or resulting from any of the following causes of loss if they are Covered Causes of Loss:

(1) Fire;

(2) Lightning;

(3) Explosion;

(4) Vandalism;

(5) Vehicle Damage;

(6) Riot or Civil Commotion; or

(7) Aircraft.

The most we will pay for loss or damage under this Extension is $25,000, but not more than $1,000 for any one tree, shrub or plant. These limits apply to any one occurrence, regardless of the types or number of items lost or damaged in that occurrence.

f. Non-Owned Detached Trailers

(1) You may extend the insurance that applies to Your Business Personal Property to apply to loss or damage to trailers that you do not own, provided that:

(a) The trailer is used in your business;

(b) The trailer is in your care, custody or control at the premises described in the Declarations; and

(c) You have a contractual responsibility to pay for loss or damage to the trailer.

(2) We will not pay for any loss or damage that occurs:

(a) While the trailer is attached to any motor vehicle or motorized conveyance, whether or not the motor vehicle or motorized conveyance is in motion;

(b) During hitching or unhitching operations, or when a trailer becomes accidentally unhitched from a motor vehicle or motorized conveyance.

(3) The most we will pay for loss or damage under this Extension is $10,000, unless a higher limit is shown in the

Declarations.

(4) This insurance is excess over the amount due (whether you can collect on it or not) from any other insurance covering such property.

MP 97 67 10 10 Includes copyrighted material of Insurance Services Office, Inc. and Page 5 of 25

g. Accounts Receivable

(1) You may extend the insurance that applies to Your Business Personal Property to accounts receivable. We will pay:

(a) All amounts due from your customers that you are unable to collect;

(b) Interest charges on any loan required to offset amounts you are unable to collect pending our payment of these amounts;

(c) Collection expenses in excess of your normal collection expenses that are made necessary by *loss<; and

(d) Other reasonable expenses that you incur to re-establish your records of accounts receivable;

that result from direct physical loss or damage by any Covered Cause of Loss to your records of accounts receivable.

(2) The most we will pay under this Extension for loss or damage in any one occurrence at each described *premises< is $50,000.

(3) Section B.Exclusions in the CAUSES OF LOSS ! SPECIAL FORM does not apply to this Extension, except for:

(a) Paragraph B.1.c. Governmental Action;

(b) Paragraph B.1.d. Nuclear Hazard;

(c) Paragraph B.1.f. War And Military Action;

(d) Paragraph B.2.f.;

(e) Paragraph B.2.g.; and

(f) Paragraph B.3.

(4) The following additional exclusion applies to the Extension:

We will not pay for:

(a) Loss or damage caused by or resulting from alteration, falsification, concealment or destruction of records of accounts receivable done to conceal the wrongful giving, taking or withholding of *money,< *securities< or other property.

This exclusion applies only to the extent of the wrongful giving, taking or withholding.

(b) Loss or damage caused by or resulting from bookkeeping, accounting or billing errors or omissions.

(c) Any loss or damage that requires any audit of records or any inventory computation to prove its factual existence.

h. Property In Transit (Including Laptops And Other Electronic Equipment)

F.1. under Additional Coverage Extensions of the CAUSES OF LOSS ! SPECIAL FORM is deleted and replaced with the following:

1. Property In Transit (Including Laptops And Other Electronic Equipment)

This Extension applies only to your personal property to which this form applies.

a. You may extend the insurance provided by this Coverage Part to apply to your personal property (other than property in the care, custody or control of your salespersons) in transit more than 1,000 feet from the described premises. Property must be in or on a motor vehicle you own, lease or operate while between points in the coverage territory.

b. Loss or damage must be caused by or result from one the following causes of loss:

(1) Fire, lightning, explosion, windstorm or hail, riot or civil commotion, or vandalism.

(2) Vehicle collision, upset or overturn. Collision means accidental contact of your vehicle with another vehicle or object. It does not mean your vehicle&s contact with the road bed.

(3) Theft of an entire bale, case or package by forced entry into a securely locked body or compartment of the vehicle. There must be visible marks of the forced entry.

c. The most we will pay for loss or damage under this Extension is $15,000.

i. Fine Arts

(1) You may extend the insurance that applies to Your Business Personal Property to cover *fine arts< owned by you and located on the premises described in the Declarations

(2) In addition to the exclusions in CAUSES OF LOSS ! SPECIAL FORM we will not pay for loss or damage

Page 6 of 25 Includes copyrighted material of Insurance Services Office, Inc. and MP 97 67 10 10 caused by or resulting from repairing, restoration, or retouching processes.

(3) In the event of loss or damage, we will pay the actual cash value of the item. The actual cash value will be the price you paid for the item, or the value as determined by an appraisal of the item not more than 360 days prior to the date of loss or damage. In no event will the actual cash value exceed the amount necessary to repair or replace the item with substantially like property.

(4) The most we will pay for *fine arts< at any premises described in the Declarations is $25,000.

Each of these Extensions is additional insurance unless otherwise indicated. The Additional Condition, Coinsurance, does not apply to these Extensions.

Property Additional Coverages

The following are Additional Coverages. The Additional Condition, Coinsurance, does not apply to these coverages.

A. Debris Removal

A.4.a. of the BUILDING AND PERSONAL PROPERTY COVERAGE FORM is deleted and replaced as follows:

a. Debris Removal

(1) Subject to Paragraphs (3) and (4), we will pay your expense to remove debris of Covered Property caused by or resulting from a Covered Cause of Loss that occurs during the policy period. The expenses will be paid only if they are reported to us in writing within 180 days of the date of direct physical loss or damage.

(2) Debris Removal does not apply to costs to:

(a) Extract "pollutants" from land or water; or

(b) Remove, restore or replace polluted land or water.

(3) Subject to the exceptions in Paragraph (4), the following provisions apply:

(a) The most we will pay for the total of direct physical loss or damage plus debris removal expense is the Limit of Insurance applicable to the Covered Property that has sustained loss or damage.

(b) Subject to (a) above, the amount we will pay for debris removal expense is limited to 25% of the sum of the deductible plus the amount that we pay for direct physical loss or damage to the Covered Property that has sustained loss or damage.

(4) We will pay up to an additional $25,000 for debris removal expense, for each location, in any one occurrence of physical loss or damage to Covered Property, if one or both of the following circumstances apply:

(a) The total of the actual debris removal expense plus the amount we pay for direct physical loss or damage exceeds the Limit of Insurance on the Covered Property that has sustained loss or damage.

(b) The actual debris removal expense exceeds 25% of the sum of the deductible plus the amount that we pay for direct physical loss or damage to the Covered Property that has sustained loss or damage.

Therefore, if (4)(a) and/or (4)(b) apply, our total payment for direct physical loss or damage and debris removal expense may reach but will never exceed the Limit of Insurance on the Covered Property that has sustained loss or damage, plus $25,000.

(5) Examples Example #1 Limit of Insurance $ 90,000 Amount of Deductible $ 500 Amount of Loss $ 50,000 Amount of Loss Payable $ 49,500

($50,000 ! $500) Debris Removal Expense $ 10,000 Debris Removal Expense Payable $ 10,000 ($10,000 is 20% of $50,000)

The debris removal expense is less than 25% of the sum of the loss payable plus the deductible. The sum of the loss payable and the debris removal expense ($49,500 + $10,000 = $59,500) is less than the Limit of Insurance. Therefore, the full amount of debris removal expense is payable in accordance with the terms of Paragraph (3).

Example #2 Limit of Insurance $ 90,000

MP 97 67 10 10 Includes copyrighted material of Insurance Services Office, Inc. and Page 7 of 25

Amount of Deductible $ 500 Amount of Loss $ 80,000 Amount of Loss Payable $ 79,500

($80,000 ! $500) Debris Removal Expense $ 35,500 Debris Removal Expense Payable

Basic Amount $ 10,500 Additional Amount $ 25,000

The basic amount payable for debris removal expense under the terms of Paragraph (3) is calculated as follows:

$80,000 ($79,500 + $500) x .25 = $20,000; capped at $10,500). The cap applies because the sum of the loss payable ($79,500) and the basic amount payable for debris removal expense ($10,500) cannot exceed the Limit of Insurance ($90,000).

The additional amount payable for debris removal expense is provided in accordance with the terms of Paragraph (4), because the debris removal expense ($35,500) exceeds 25% of the loss payable plus the deductible ($35,500 is 44.375% of $80,000), and because the sum of the loss payable and debris removal expense ($79,500 + $35,500 = $115,000) would exceed the Limit of Insurance ($90,000). The additional amount of covered debris removal expense is $25,000, the maximum payable under Paragraph (4). Thus the total payable for debris removal expense in this example is $35,500.

B. Fire Department Service Charge A.4.c. of the BUILDING AND PERSONAL PROPERTY COVERAGE FORM is deleted and replaced as follows:

c. Fire Department Service Charge

When the fire department is called to save or protect Covered Property from a Covered Cause of Loss, we will pay up to $5,000 for your liability for fire department service charges:

(1) Assumed by contract or agreement prior to loss; or

(2) Required by local ordinance.

No Deductible applies to this Additional Coverage.

C. Pollutant Clean-up And Removal A.4.d. of the BUILDING AND PERSONAL PROPERTY COVERAGE FORM is deleted and replaced as follows:

d. Pollutant Clean-up And Removal

We will pay your expense to extract "pollutants" from land or water at the described premises if the discharge, dispersal, seepage, migration, release or escape of the "pollutants" is caused by or results from a Covered Cause of Loss that occurs during the policy period. The expenses will be paid only if they are reported to us in writing within 180 days of the date on which the Covered Cause of Loss occurs.

This Additional Coverage does not apply to costs to test for, monitor or assess the existence, concentration or effects of "pollutants". But we will pay for testing which is performed in the course of extracting the "pollutants" from the land or water.

The most we will pay under this Additional Coverage for each described premises is $15,000 for the sum of all covered expenses arising out of Covered Causes of Loss occurring during each separate 12 month period of this policy.

D. Electronic Data A.4.f. of the BUILDING AND PERSONAL PROPERTY COVERAGE FORM is deleted and replaced as follows:

f. Electronic Data

(1) Under this Additional Coverage, electronic data has the meaning described under Property Not Covered, Electronic Data.

(2) Subject to the provisions of this Additional Coverage, we will pay for the cost to replace or restore electronic data, which has been destroyed or corrupted by a Covered Cause of Loss. To the extent that electronic data is not replaced or restored, the loss will be valued at the cost of replacement of the media on which the electronic data was stored, with blank media of substantially identical type.

(3) In addition to the *specified causes of loss< as defined in the CAUSES OF LOSS ! SPECIAL FORM, and Collapse as set forth in that form, the following are covered causes of loss:

(a) A virus, harmful 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 damage or destroy any part of the system or disrupt its normal operation. But there is no coverage for loss or damage caused by or resulting from

Page 8 of 25 Includes copyrighted material of Insurance Services Office, Inc. and MP 97 67 10 10 manipulation of a computer system (including electronic data) by any employee, including a temporary or leased employee, or by an entity retained by you or for you to inspect, design, install, modify, maintain, repair or replace that system.

(b) Changes in your electrical power supply, including interruption, power surge, blackout or brownout, if the cause of such event originates 100 feet or less from any premises described in the Declarations;

(c) Dishonest acts committed by your employees acting alone or in collusion with other persons, except you or your partners, directors or trustees, but theft by employees is not covered;

(d) Dampness or dryness of atmosphere or changes in or extremes of temperature;

(e) Floods, surface water, waves, tides, tidal waves, overflow of any body of water, or their spray, all whether driven by wind or not; and

(f) Earth movement, such as an earthquake, landslide or earth sinking, rising or shifting.

(4) The most we will pay under this Additional Coverage ! Electronic Data is $25,000 for all loss or damage sustained in any one policy year, regardless of the number of occurrences of loss or damage or the number of premises, locations or computer systems involved.

E. Interruption Of Computer Operations We will pay your necessary *Extra Expense< to continue normal operations caused by an interruption in computer operations due to destruction or corruption of your electronic data due to a Covered Cause of Loss.

We will also pay for your actual *Business Income< if you must close all or part of your business due to destruction or corruption of your electronic data due to a Covered Cause of Loss.

The most we will pay under this coverage is $15,000 for any one occurrence.

Under this Additional Coverage ! Interruption Of Computer Operations, electronic data has the meaning set forth in Paragraph 5. Limitation ! Interruption of Computer Operations included in Additional Coverage ! Business Income Including Extra Expense of this form.

F. Arson Reward We will reimburse you for an arson reward that you give to someone who discloses information that leads to the conviction of a person or persons for arson at the premises described in the Declarations.

The most we will pay under this coverage is $5,000 each occurrence.

G. Water Back-Up And Sump Overflow

1. We will pay for direct physical loss or damage to Covered Property caused by or resulting from:

a. Water which backs up through or overflows from a sewer or drain; or

b. Water which overflows from a sump, even if the overflow results from mechanical breakdown of a sump pump or its related equipment.

However, with respect to Paragraph b. above, we will not pay the cost of repairing or replacing a sump pump or its related equipment in the event of mechanical breakdown.

2. The coverage described in Paragraph 1. above does not apply to loss or damage resulting from an insured&s failure to:

a. Keep a sump pump or its related equipment in proper working condition; or

b. Perform the routine maintenance or repair necessary to keep a sewer or drain free from obstructions.

3. The most we will pay under this coverage is $25,000 each occurrence.

4. With respect to the coverage provided in this Additional Coverage ! Water Back-Up and Sump Overflow, Paragraph 3. of the Water Exclusion included in this Policy does not apply.

H. Brands And Labels

If branded or labeled merchandise that is Covered Property is damaged by a Covered Cause of Loss, we may take all or part of the property at an agreed or appraised value. If so, you may:

1. Stamp the word #Salvage& on the merchandise or its containers, if the stamp will not physically damage the merchandise; or

2. Remove the brands and labels, if doing so will not physically damage the merchandise or its containers to comply with the law.

We will pay reasonable costs you incur to perform the activity described in Paragraphs 1. and 2. above. The most we will pay for these costs and the value of the damaged property under this Additional Coverage is $25,000.

Payments under this Additional Coverage are subject to and not in addition to the Limits of Insurance.

I. Employee Theft

1. We will pay for direct loss of or damage to Your Business Personal Property and your *money< and *securities<

MP 97 67 10 10 Includes copyrighted material of Insurance Services Office, Inc. and Page 9 of 25 resulting from *theft< committed by any of your *employees< acting alone or in collusion with other persons (except you or your partners, members or managers) with the manifest intent to:

a. Cause you to sustain loss or damage; and also

b. Obtain financial benefit (other than salaries, commissions, fees, bonuses, promotions, awards, profit sharing, pensions or other employee benefits earned in the normal course of employment) for:

(1) Any *employee<; or

(2) Any other person or organization.

2. We will not pay for loss or damage:

a. Resulting from any dishonest or criminal act that you or any of your partners, members, officers, *managers,< directors, trustees, authorized representatives or anyone to whom you entrust the property for any purpose commit, whether acting alone or in collusion with other persons; or

b. The only proof of which as to its existence or amount is one or both of the following:

(1) An inventory computation; or

(2) A profit and loss computation.

3. The most we will pay under this Additional Coverage for loss or damage in any one occurrence is $10,000.

4. All loss or damage:

a. Caused by one or more *employees<; and

b. Involving a single act or series of related acts;

is considered one occurrence.

5. We will pay only for loss or damage you sustain through acts committed or events occurring during the policy period. Regardless of the number of years this policy remains in force or the number of premiums paid, no Limit of Insurance cumulates from year to year or period to period.

6. This Additional Coverage does not apply to loss caused by an *employee< after discovery by:

a. You; or

b. Any of your partners, officers or directors, or members or *managers< not in collusion with the *employee<;

of any *theft< or any other dishonest act committed by that *employee< before or after being hired by you.

7. Extended Period To Discover Loss

a. We will pay for loss that you sustained prior to the effective date of termination or cancellation of this policy, which is discovered by you no later than 1 year from the date of that termination or cancellation.

b. However, this extended period to discover loss terminates immediately upon the effective date of any other insurance obtained by you replacing in whole or in part the insurance afforded by this policy, whether or not such other insurance provides coverage for loss sustained prior to its effective date.

8. If you discover a loss or damage during the policy period that you (or any predecessor in interest) sustained during the period of any prior insurance that you could have recovered under that insurance except that the time within which to discover loss or damage had expired, we will pay for it under this Additional Coverage, provided:

a. This Additional Coverage became effective at the time of cancellation or termination of the prior insurance; and

b. The loss or damage would have been covered by this Additional Coverage had it been in effect when the acts or events causing the loss or damage were committed or occurred.

9. The insurance under Paragraph 8. above is provided within, and not in addition to, the Limit of Insurance applying to this Additional Coverage and is limited to the lesser of the amount recoverable under:

a. This Additional Coverage as of its effective date; or

b. The prior insurance, had it remained in effect.

10. None of the exclusions in Section B. Exclusions of the CAUSES OF LOSS ! SPECIAL FORM apply to Employee Theft Coverage provided under this endorsement except:

a. B.1.c. Governmental Action;

b. B.1.d. Nuclear Hazard; and

c. B.1.f. War And Military Action.

11. We will not pay for loss as specified below:

a. Acts Committed by You or Your Partners

Loss resulting from any dishonest or criminal act committed by your or any of your partners whether acting alone or in collusion with other persons.

Page 10 of 25 Includes copyrighted material of Insurance Services Office, Inc. and MP 97 67 10 10

b. Indirect Loss Loss that is an indirect result of any act or occurrence covered by this insurance including, but not limited to, loss resulting from:

(1) Your inability to realize income that you would have realized had there been no loss of, or loss from damage to *money< and *securities<.

(2) Payment of damages of any type for which you are legally liable. But, we will pay compensatory damages arising directly from a loss covered under this Additional Coverage.

(3) Payment of costs, fees or other expenses you incur in establishing either the existence or the amount of loss under this Additional Coverage.

c. Legal Expenses

Expenses related to any legal action.

12. Ownership Of Property; Interests Covered

The property covered under this Additional Coverage is limited to property:

a. That you own or lease;

b. That you hold for others; or

c. For which you are legally liable, except for property inside the premises of a *client< of yours.

However, this coverage is for your benefit only. It provides no rights or benefits to any other person or organization.

Any claim for loss that is covered under this coverage must be presented by you.

13. Valuation ! Settlement Subject to the Limit of Insurance, we will pay for:

a. Loss of *money< but only up to and including its face value. We may, at our option, pay for loss of *money< issued by any country other than the United States of America:

(1) At face value in the *money< issued by that country; or

(2) In the United States of America dollar equivalent determined by the rate of exchange published in The Wall

Street Journal on the day the loss was discovered.

b. Loss of *securities< but only up to and including their value at the close of business on the day that loss was discovered. We may, at our option:

(1) Pay the value of such *securities< or replace them in kind, in which event you must assign to us all your rights, title and interest in and to those *securities<;

(2) Pay the cost of any Lost Securities Bond required in connection with issuing duplicates of the *securities.<

However, we will be liable only for the payment of so much of the cost of the bond as would be charged for a bond having a penalty not exceeding the lesser of the:

(a) Value of the *securities< at the close of business on the day the loss was discovered; or

(b) Limit of Insurance.

J. Business Income Including Extra Expense

1. Coverage

a. Business Income Business Income means the:

(1) Net Income (Net Profit or Loss before income taxes) that would have been earned or incurred; and

(2) Continuing normal operating expenses incurred, including payroll.

For manufacturing risks, Net Income includes the net sales value of production.

Business Income includes *Rental Value.< We will pay the actual loss of Business Income you sustain due to the necessary "suspension" of your "operations" during the "period of restoration." The "suspension" must be caused by direct physical loss of or damage to property at the premises described in the Declarations, including personal property in the open (or in a vehicle) within 1,000 feet, caused by or resulting from any Covered Cause of Loss.

b. Extra Expense Extra Expense means necessary expenses you incur during the "period of restoration" that you would not have incurred if there had been no direct physical loss or damage to property caused by or resulting from a Covered Cause of Loss.

We will pay Extra Expense (other than the expenses to repair or replace property) to:

MP 97 67 10 10 Includes copyrighted material of Insurance Services Office, Inc. and Page 11 of 25

(1) Avoid or minimize the *suspension< of business and to continue operations at the premises described in the Declarations or at replacement premises or temporary locations, including relocation expenses and costs to equip and operate the replacement location or temporary location;

(2) Minimize the *suspension< of business if you cannot continue *operations.< We will pay Extra Expense to repair or replace property, but only to the extent it reduces the amount of loss that otherwise would have been payable under this Additional Coverage.

2. Additional Coverages

a. Alterations And New Buildings

We will pay for the actual loss of Business Income you sustain and necessary Extra Expense you incur due to direct physical loss or damage at the described premises caused by or resulting from any Covered Cause of Loss to:

(1) New buildings or structures, whether complete or under construction;

(2) Alterations or additions to existing buildings or structures; and

(3) Machinery, equipment, supplies or building materials located on or within 1,000 feet of the described premises and:

(a) Used in the construction, alterations or additions; or

(b) Incidental to the occupancy of new buildings.

If such direct physical loss or damage delays the start of *operations,< the *period of restoration< for Business Income Coverage will begin on the date *operations< would have begun if the direct physical loss or damage had not occurred.

b. Civil Authority When a Covered Cause of Loss causes damage to property other than property at the described premises, we will pay for the actual loss of Business Income you sustain and necessary Extra Expense caused by action of civil authority that prohibits access to the described premises, provided both of the following apply:

(1) Access to the area immediately surrounding the damaged property is prohibited by civil authority as a result of the damage, and the described premises are within that area but are not more than one mile from the damaged property; and

(2) The action of civil authority is taken in response to dangerous physical conditions resulting from the damage or continuation of the Covered Cause of Loss that caused the damage, or the action is taken to enable a civil authority to have unimpeded access to the damaged property.

Civil Authority Coverage for Business Income will begin 72 hours after the time of the first action of civil authority that prohibits access to the described premises and will apply for a period of up to four consecutive weeks from the date on which such coverage began.

Civil Authority for Extra Expense will begin immediately after the time of the first action of civil authority that prohibits access to the described premises and will end:

(1) Four consecutive weeks after the date of that action; or

(2) When Civil Authority for Business Income ends;

whichever is later.

c. Extended Business Income

(1) Business Income Other Than %Rental Value&

If the necessary "suspension" of your "operations" produces a Business Income loss payable under this additional coverage, we will pay for the actual loss of Business Income you incur during the period that:

(a) Begins on the date property (except "finished stock") is actually repaired, rebuilt or replaced and

"operations" are resumed; and

(b) Ends on the earlier of:

(i) The date you could restore your "operations," with reasonable speed, to the level which would generate the "business income" amount that would have existed if no direct physical loss or damage had occurred; or

(ii) 30 consecutive days after the date determined in (1)(a) above.

However, Extended Business Income does not apply to loss of Business Income incurred as a result of unfavorable business conditions caused by the impact of the Covered Cause of Loss in the area where the described premises are located.

Page 12 of 25 Includes copyrighted material of Insurance Services Office, Inc. and MP 97 67 10 10

Loss of Business Income must be caused by direct physical loss or damage at the described premises caused by or resulting from any Covered Cause of Loss.

(2) %Rental Value& If the necessary "suspension" of your "operations" produces a "Rental Value" loss payable under this additional coverage, we will pay for the actual loss of "Rental Value" you incur during the period that:

(a) Begins on the date property is actually repaired, rebuilt or replaced and tenantability is restored; and

(b) Ends on the earlier of:

(i) The date you could restore tenant occupancy, with reasonable speed, to the level which would generate the "Rental Value" that would have existed if no direct physical loss or damage had occurred; or

(ii) 30 consecutive days after the date determined in (2)(a) above.

However, Extended Business Income does not apply to loss of *Rental Value< incurred as a result of unfavorable business conditions caused by the impact of the Covered Cause of Loss in the area where the described premises are located.

Loss of "Rental Value" must be caused by direct physical loss or damage at the described premises caused by or resulting from any Covered Cause of Loss.

3. Limits of Insurance The most we will pay for loss under this Additional Coverage - Business Income Including Extra Expense in any one occurrence is $25,000.

Payments under the following additional coverages will not increase the applicable Limit of Insurance:

a. Alterations and New Buildings;

b. Civil Authority; or

c. Extended Business Income.

4. Valuation The following is added to E.7. Valuation of the BUILDING AND PERSONAL PROPERTY COVERAGE FORM:

g. The amount of Business Income loss will be determined based on:

(1) The Net Income of the business before the direct physical loss or damage occurred;

(2) The likely Net Income of the business if no loss or damage occurred, but not including any Net Income that would likely have been earned as a result of an increase in the volume of business due to favorable business conditions caused by the impact of the Covered Cause of Loss on customers or on other businesses;

(3) The operating expenses, including payroll expenses, necessary to resume "operations" with the same quality of service that existed just before the direct physical loss or damage; and

(4) Other relevant sources of information, including:

(a) Your financial records and accounting procedures;

(b) Bills, invoices and other vouchers; and

(b) Deeds, liens or contracts.

h. The amount of Extra Expense will be determined based on:

(1) All expenses that exceed the normal operating expenses that would have been incurred by "operations" during the "period of restoration" if no direct…