Terrorism Coverage Notice

This coverage includes the cost of replacing or recharging discharged fire extinguishers and fire extinguishing systems, whichever is cheaper. Hydrostatic testing is also covered, if required.

This coverage pays for damage to covered property caused by accidental discharges of chemicals from fire extinguishers or fire extinguishing systems.

This coverage is not available for damage caused during the installation or testing of a fire extinguishing system.

The maximum amount payable for any single event related to this coverage is $5,000.

This coverage has no deductible. The insurance company pays the full cost of covered expenses.

This coverage pays for direct physical loss or damage to your business property caused by government action to seize your property.

This coverage only applies to your business-related personal property.

The coverage applies to loss or damage caused by or resulting from government confiscation.

Accounts, bills, currency, food stamps, money, notes or securities. Lottery tickets held for sale are not considered securities.

Foundations of buildings, structures, machinery or boilers are no longer excluded from coverage.

Electronic data is excluded from coverage, except for data covered under 'Electronic Data and Electronic Data Processing Equipment and Media' coverage.

The term 'Electronic Data' does not include prepackaged software stock.

Motor vehicles, other vehicles, self-propelled machines like aircraft or watercraft, except for tow motors, forklifts and similar equipment used solely at a described location.

Fences, radio/TV antennas, masts, towers, flag poles, trees, shrubs, and plants (except trees, shrubs, or plants considered 'stock' or part of a vegetated roof) are excluded from coverage.

These are the conditions that describe when Electronic Data is not excluded from coverage.

This defines the specific types of tow motors, forklifts, and similar equipment explicitly excluded from the definition of 'Vehicles or self-propelled machines'.

Information, facts, or computer programs stored, created, used, or transmitted through computer software, media, or electronically controlled equipment.

A set of related electronic instructions that direct the operations of a computer or device.

Tools owned by the insured's employees, including leased and temporary employees.

Paintings, rare books, sculptures, manuscripts, and other bona fide works of art, or items of rarity or historical value.

The seizure of covered property by a government authority due to an alleged violation of law by someone other than the insured or their managers.

Standards related to environmental performance, typically aimed at reducing environmental impact.

Someone who works for a business that protects property.

The person who was responsible for taking care of the stolen property.

Anyone involved in the crime, including the person who stole the property.

The maximum amount the insurance company will pay for a reward, which is limited to $25,000.

The maximum amount paid for newly constructed or acquired buildings after an insurance claim.

The maximum amount paid for business personal property after an insurance claim.

A document attached to an insurance policy modifying its coverage.

The maximum amount the insurance company will pay for any one incident, regardless of the type of property or coverage.

The maximum amount the insurance company will pay for green standards related expenses in a single event.

The insurance coverage for 'green standards' related expenses is only applicable if the damage is caused by a covered cause of loss.

In this specific coverage, a standard exclusion from other types of insurance (Exclusion B.1.c.) does not apply.

Certain expenses related to green standards are covered when repairing or replacing damaged property, as long as those expenses are essential to the repair process.

Professionals hired to participate in repairs or replacements must be accredited according to green standards.

The repaired property should be registered and certified according to green standards.

Recyclable debris must be disposed of at certified recycling facilities, adhering to green standards.

Proper ventilation, adhering to green standards, should be performed in the repaired property.

Insurance coverage may be extended to cover direct physical loss or damage to business personal property due to covered causes, including loss or damage to "employee tools".

The maximum payout for a single occurrence of covered loss or damage to "employee tools" at a described premises is $500,000, unless otherwise specified in the SCHEDULE.

If "employee tools" used in your business are located more than 100 feet away from a described premises, the maximum payout for a single occurrence is $10,000.

Insurance coverage may be extended to cover direct physical loss or damage to "fine arts", including property belonging to others while in your care, custody, or control.

Fine Arts Coverage applies to direct physical loss or damage to "fine arts" caused by a Covered Cause of Loss.

The most we will pay for "computers", "electronic data", and "media" in transit is $50,000 in any one occurrence.

The most we will pay for "computers", "electronic data", and "media" at an exhibition, fair, or trade show is $25,000 in any one occurrence.

The insurance covers direct physical loss or damage to "computers", "electronic data", and "media" caused by a covered cause of loss.