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Certificates of Insurance 78/3/2023 E(MM/DD/YYYY) ACTOR" CERTIFICATE OF LIABILITY INSURANCE 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 have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER CONTACT NAME: Key West Insurance PHONE FAX 3152 Northside Drive, Unit 201A&201 B A/C No Ext: 305-294-1096 A/C,No):305-294-8016 Key West FL 33040 ADDRESS: INSURER(S)AFFORDING COVERAGE NAIC# License#:L100460 INSURERA: Clear Blue Specialty Insurance Company 37745 INSURED FLORKEY-07 INSURER B: Florida Keys S.P.C.A. 5711 College Rd INSURERC: Key West FL 33040 INSURER D INSURER E INSURER F: COVERAGES CERTIFICATE NUMBER:566030864 REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES.LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR TYPE OF INSURANCE ADDL SUBR POLICY EFF POLICY EXP LIMITS LTR INSD WVD POLICY NUMBER MM/DD MM/DD A X COMMERCIAL GENERAL LIABILITY Y DB01-000101-00 7/20/2023 7/20/2024 EACH OCCURRENCE $1,000,000 CLAIMS-MADE OCCUR DAMAGE TO RENTED PREMISES Ea occurrence $300,000 MED EXP(Any one person) $0 PERSONAL&ADV INJURY $1,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $2,000,000 POLICY❑ PRO JECT LOC PRODUCTS-COMP/OP AGG $1,000,000 X OTHER: Special Events $ AUTOMOBILE LIABILITY _„ I COMBINED SINGLE LIMIT $ Ea accident ANY AUTO A" ,-„y� ^�, BODILY INJURY(Per person) $ OWNED SCHEDULED 9 ,P BODILY INJURY(Per accident) $ AUTOS ONLY AUTOS �^�^'^�—""'^"'"` HIRED NON-OWNED �'"""" PROPERTY DAMAGE $ AUTOS ONLY AUTOS ONLY e zau Per accident T „,,., _tea, UMBRELLALIAB OCCUR WAMM Kik>� -- EACH OCCURRENCE $ EXCESS LAB CLAIMS-MADE AGGREGATE $ DED RETENTION$ $ WORKERS COMPENSATION PER OTH- AND EMPLOYERS'LIABILITY Y/N STATUTE ER ANYPROPRIETOR/PARTNER/EXECUTIVE E.L.EACH ACCIDENT $ OFFICE R/M EMBER EXCLUDED? ❑ N/A (Mandatory in NH) E.L.DISEASE-EA EMPLOYEE $ If yes,describe under DESCRIPTION OF OPERATIONS below E.L.DISEASE-POLICY LIMIT $ DESCRIPTION OF OPERATIONS/LOCATIONS/VEHICLES (ACORD 101,Additional Remarks Schedule,maybe attached if more space is required) Special Event: Parade of Paws-12/9/2023 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. Monroe County BOCC 1100 Simonton St AUTHORIZED REPRESENTATIVE Key West FL 33040 -- /' ( ©1988-2015 ACORD CORPORATION. All rights reserved. ACORD 25(2016103) The ACORD name and logo are registered marks of ACORD A�coRo® EVIDENCE OF COMMERCIAL PROPERTY INSURANCE DA03/26/2024 Y) THIS EVIDENCE OF COMMERCIAL PROPERTY INSURANCE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE ADDITIONAL INTEREST NAMED BELOW.THIS EVIDENCE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND,EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS EVIDENCE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S),AUTHORIZED REPRESENTATIVE OR PRODUCER,AND THE ADDITIONAL INTEREST. PRODUCER NAME, PHONE COMPANY NAME AND ADDRESS NAIC NO: 13056 CONTACT PERSON AND ADDRESS A/C No Ext: Southernmost Insurance Agency, Inc RLI INS CO 1010 Kennedy Drive 9025 N LINDBERGH DRIVE Suite 300 PEORIA, IL 61615 Key West, FL 33040 FAX E-MAIL IF MULTIPLE COMPANIES,COMPLETE SEPARATE FORM FOR EACH AIC,No: ADDRESS: CODE: SUB CODE: POLICY TYPE AGENCY FL231 21 51 23604223 Commercial Property CUSTOMER ID#: NAMED INSURED AND ADDRESS :A7 � LOAN NUMBER POLICY NUMBER Florida Keys SPCA Lease agreement MPCO101136 5711 College Rd I EFFECTIVE DATE EXPIRATION DATE Key West, FL 33040 Ely 12/28/2023 12/28/2024 TEERMINATEDD IFT IL 4.1.24 CHECKED ADDITIONAL NAMED INSURED(S) THIS REPLACES PRIOR EVIDENCE DATED: I ,.." M WA PROPERTY INFORMATIuIv luse KrivIAllrI i on page Z,it mores ace is required) BUILDING OR VBUSINESS PERSONAL PROPERTY LOCATION/DESCRIPTION 5711 College Rd 1 Key West, FL 33040 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 EVIDENCE OF PROPERTY INSURANCE 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. COVERAGE INFORMATION PERILS INSURED I BASIC BROAD SPECIAL COMMERCIAL PROPERTY COVERAGE AMOUNT OF INSURANCE: $7,500,000 DED: 25,000 YES NO N/A ❑ BUSINESS INCOME ❑ RENTAL VALUE If YES,LIMIT: Actual Loss Sustained,#of months: BLANKET COVERAGE If YES,indicate value(s)reported on property identified above:$ TERRORISM COVERAGE Attach Disclosure Notice/DEC IS THERE A TERRORISM-SPECIFIC EXCLUSION? IS DOMESTIC TERRORISM EXCLUDED? LIMITED FUNGUS COVERAGE If YES,LIMIT: DED: FUNGUS EXCLUSION(If"YES",specify organization's form used) REPLACEMENT COST AGREED VALUE COINSURANCE If YES, 80 % EQUIPMENT BREAKDOWN(If Applicable) If YES,LIMIT: 7,500,000 DED: 25,000.00 ORDINANCE OR LAW -Coverage for loss to undamaged portion of bldg If YES,LIMIT: DED: Demolition Costs If YES,LIMIT: DED: Incr.Cost of Construction If YES,LIMIT: DED: EARTH MOVEMENT(If Applicable) If YES,LIMIT: DED: FLOOD(If Applicable) If YES,LIMIT: DED: WIND/HAIL INCL YES ❑ NO Subject to Different Provisions: If YES,LIMIT: 7,500,000 DED: .05 NAMED STORM INCL V YES ❑ NO Subject to Different Provisions: If YES,LIMIT: 7,500,000 DED: PERMISSION TO WAIVE SUBROGATION IN FAVOR OF MORTGAGE HOLDER PRIOR TO LOSS 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. ADDITIONAL INTEREST MORTGAGEE CONTRACT OF SALE LENDER SERVICING AGENT NAME AND ADDRESS LENDERS LOSS PAYABLE Additional Insured& Loss Payee NAME AND ADDRESS Monroe County Board of County Commissioners 1100 Simonton St AUTHORIZED REPRESENTATIVE Key West, FL 33040 Page 1 of 2 ©2003-2014 ACORD CORPORATION. All rights reserved. ACORD 28(2014101) The ACORD name and logo are registered marks of ACORD DATE(MM/DD/YYYY) ACTOR" CERTIFICATE OF LIABILITY INSURANCE 3/27/2024 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 have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER CONTACT NAME: Key West Insurance PHONE FAX 3152 Northside Drive, Unit 201A&201 B A/C No Ext: 305-294-1096 A/C,No):305-294-8016 Key West FL 33040 ADDRESS: INSURER(S)AFFORDING COVERAGE NAIC# License#:L100460 INSURERA: Burlington Insurance Company 23620 INSURED FLORKEY-07 INSURER B:Arch Insurance Company 11150 Florida Keys S.P.C.A. INSURERC: Progressive Express Insurance Company 10193 5711 College Rd Key West FL 33040 INSURER D INSURER E INSURER F: COVERAGES CERTIFICATE NUMBER:1221778189 REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES.LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR TYPE OF INSURANCE ADDL SUBR POLICY EFF POLICY EXP LIMITS LTR INSD WVD POLICY NUMBER MM/DD MM/DD A X COMMERCIAL GENERAL LIABILITY Y 53513539868 7/1/2023 7/1/2024 EACH OCCURRENCE $2,000,000 CLAIMS-MADE OCCUR DAMAGE TO RENTED PREMISES Ea occurrence $300,000 MED EXP(Any one person) $5,000 PERSONAL&ADV INJURY $2,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $2,000,000 POLICY D PRO � JECT LOC PRODUCTS-COMP/OP AGG $included X OTHER: Professional Liab Professional Liab. $included C AUTOMOBILE LIABILITY Y 06456454 6/30/2023 6/30/2024 COMBINED SINGLE LIMIT $1,000,000 Ea accident ANY AUTO BODILY INJURY(Per person) $ OWNED X SCHEDULED BODILY INJURY(Per accident) $ AUTOS ONLY AUTOS HIRED NON-OWNED PROPERTY DAMAGE $ AUTOS ONLY AUTOS ONLY Per accident UMBRELLALIAB OCCUR 16yK ff EACH OCCURRENCE $ EXCESS LAB CLAIMS-MADE ,9 " ""'"`^ AGGREGATE $ DED RETENTION$ - ""` $ WORKERS COMPENSATION PER OTH- ANDEMPLOYERS'LIABILITY Y/N I "'""""'" "'"""""'"""" STATUTE ER 28 24, ANYPROPRIETOR/PARTNER/EXECUTIVE p�p #°'k '" E.L.EACH ACCIDENT $ OFFICE R/M EMBER EXCLUDED? ❑ N/A p' C (Mandatory in NH) E.L.DISEASE-EA EMPLOYEE $ If yes,describe under DESCRIPTION OF OPERATIONS below E.L.DISEASE-POLICY LIMIT $ B Directors/OfficersLiability NFP0125245-06 7/1/2023 7/1/2024 D&O 1,000,000 DESCRIPTION OF OPERATIONS/LOCATIONS/VEHICLES (ACORD 101,Additional Remarks Schedule,may be attached if more space is required) 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. Monroe County BOCC 1100 Simonton St AUTHORIZED REPRESENTATIVE Key West FL 33040 -- /' ( ©1988-2015 ACORD CORPORATION. All rights reserved. ACORD 25(2016103) The ACORD name and logo are registered marks of ACORD DATE(MM/DD/YYYY) ACCOR" CERTIFICATE OF PROPERTY INSURANCE 3/27/2024 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. PRODUCER CONTACT NAME: Key West Insurance PHONE FAX 3152 Northside Drive, Unit201A A/c No EXt:305-294-1096 A/C,No:305-294-8016 Key West FL 33040 ADDRESS: PRODUCER FLORKEY-07 CUSTOMER ID: License#:L100460 INSURER(S)AFFORDING COVERAGE NAIC# INSURED INSURER A: Old Dominion Insurance Company 40231 Florida Keys S.P.C.A. 5711 College Rd INsuRER6: Wright National Flood Insurance Company 11523 Key West FL 33040 INSURERC: INSURER D INSURER E INSURER F: COVERAGES CERTIFICATE NUMBER: 262103455 REVISION NUMBER: LOCATION OF PREMISES/DESCRIPTION OF PROPERTY (Attach ACORD 101,Additional Remarks Schedule,if more space is required) 5711 College Rd, Key West, FL 33040 THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT,TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN,THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR TYPE OF INSURANCE POLICY NUMBER POLICY EFFECTIVE POLICY EXPIRATION COVERED PROPERTY LIMITS LTR DATE(MM/DD/YYYY) DATE(MM/DD/YYYY) B PROPERTY 091151775622 3/8/2024 3/8/2025 X BUILDING $500,000 CAUSES OF LOSS DEDUCTIBLES X PERSONAL PROPERTY $500,000 BASIC BUILDING BUSINESS INCOME $ 50,000 BROAD CONTENTS EXTRAEXPENSE $ SPECIAL 50,000 NT I RENTALVALUE $ " EARTHQUAKE � � tl '.. BLANKET BUILDING $ WIND B � BLANKET PERS PROP $ 21 X FLOODDATE--_ I, ,„�„,�, BLANKET BLDG&PP $ 'NAW KtkX ,. $ $ INLAND MARINE TYPE OF POLICY $ CAUSES OF LOSS $ NAMED PERILS POLICY NUMBER $ A X CRIME F271572-N 6/26/2023 6/26/2024 $100,000 TYPE OF POLICY $ Employee Dishonesty $ BOILER&MACHINERY/ $ EQUIPMENT BREAKDOWN SPECIAL CONDITIONS/OTHER COVERAGES(ACORD 101,Additional Remarks Schedule,may be attached if more space is required) 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. Monroe County BOCC 1100 Simonton St AUTHORIZED REPRESENTATIVE Key West FL 33040 ©1995-2015 ACORD CORPORATION. All rights reserved. ACORD 24(2016103) The ACORD name and logo are registered marks of ACORD DATE(MM/DD/YYYY) ACCOR" CERTIFICATE OF LIABILITY INSURANCE 6/14/2022 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 have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER CONTACT NAME: Key West Insurance PHONE FAX 646 United Street, Suite 1 A/C No Ext: 305-294-1096 A/c,No):305-294-8016 Key West FL 33040 ADDRESS: INSURER(S)AFFORDING COVERAGE NAIC# License#:L100460 INSURERA: Burlington Insurance Company 23620 INSURED FLORKEY-07 INSURERB: Progressive Express Insurance Company 10193 Florida Keys S.P.C.A. w 5711 College Rd suRERc:Arch Insurance Company 11150 Key West FL 33040 INSURERD: Old Dominion Insurance Company 40231 INSURER E: INSURER F: COVERAGES CERTIFICATE NUMBER:297252174 REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES.LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR TYPE OF INSURANCE ADDL SUBR POLICY EFF POLICY EXP LIMITS LTR INSD WVD POLICY NUMBER MM/DD MM/DD A X COMMERCIAL GENERAL LIABILITY Y 53513536587 7/1/2021 7/1/2022 EACH OCCURRENCE $2,000,000 CLAIMS-MADE OCCUR DAMAGE TO RENTED PREMISES Ea occurrence $300,000 MED EXP(Any one person) $5,000 PERSONAL&ADV INJURY $2,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $2,000,000 POLICY❑ PRO- ❑ JECT LOC PRODUCTS-COMP/OP AGG $ OTHER: Professional Liab. $2,000,000 B AUTOMOBILE LIABILITY Y 06456454-9 6/30/2021 6/30/2022 COMBINED SINGLE LIMIT $1,000,000 Ea accident ANY AUTO BODILY INJURY(Per person) $ OWNED X SCHEDULED BODILY INJURY(Per accident) $ AUTOS ONLY AUTOS HIRED NON-OWNED PROPERTY DAMAGE $ AUTOS ONLY AUTOS ONLY Per accident UMBRELLALIAB OCCUR EACH OCCURRENCE $ EXCESS LAB CLAIMS-MADE AGGREGATE $ DED RETENTION$ $ WORKERS COMPENSATION PER OTH- AND EMPLOYERS'LIABILITY Y/N STATUTE ER ANYPROPRIETOR/PARTNER/EXECUTIVE E.L.EACH ACCIDENT $ OFFICE R/M EMBER EXCLUDED? ❑ N/A (Mandatory in NH) E.L.DISEASE-EA EMPLOYEE $ If yes,describe under DESCRIPTION OF OPERATIONS below E.L.DISEASE-POLICY LIMIT $ C Directors-Officers Liability NFP0125245-04 7/1/2021 7/1/2022 $1,000,000 D Employee Dishonesty Bond F271572-N 6/26/2022 6/26/2023 100,000 DESCRIPTION OF OPERATIONS/LOCATIONS/VEHICLES (ACORD 101,Additional Remarks Schedule,may be attached if more space is required) BM% iI Sy DAT 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. Monroe County BOCC 1100 Simonton St AUTHORIZED REPRESENTATIVE Key West FL 33040 -- /' ( ©1988-2015 ACORD CORPORATION. All rights reserved. ACORD 25(2016103) The ACORD name and logo are registered marks of ACORD DATE(MMIDD1YYYY) AC"R" CERTIFICATE OF LIABILITY INSURANCE 6/8/2022 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 have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER CONTACT NAME: Prime Insurance Solutions, Inc. AICONN EXt: (321)259-7920 FAX No): 321 259-7921 3040 N.Wickham RD. E'MAIL ADDRESS: Suite 8 INSURER(S)AFFORDING COVERAGE NAIC# Melbourne FL,32935 INSURERA: KH-FUND 15764 INSURED INSURER B: Florida Keys Society for the Prevention INSURERC: 5711 COLLEGE RD INSURERD: KEY WEST, FL 33040 INSURERE: INSURER F: COVERAGES CERTIFICATE NUMBER: REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED, NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES,LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS, INSR TYPE OF INSURANCE ADDL SUER POLICY EFF POLICY EXP LIMITS LTR INSD WVD POLICY NUMBER MMIDD1YYYY MMIDD1YYYY COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE $ DAM CLAIMS-MADE1:1 OCCUR PREM SESOEa oNcurrDence $ MED EXP(Any one person) $ PERSONAL&ADV INJURY $ GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $ POLICY El PE LOC I? PRODUCTS-COMP/OP AGG $ OTHER: $ COMBINED SINGLE LIMIT AUTOMOBILE LIABILITY - Ea accident $ ANY AUTO ,. yip q. 16 . 0 2 2 BODILY INJURY(Per person) $ AUTOS ONLY AUTOS OWNED SCHEDULED BODILY INJURY(Per accident) $ HIRED NON-OWNED - = PROPERTY DAMAGE $ AUTOS ONLY AUTOS ONLY Per accident $ UMBRELLA LIAB OCCUR EACH OCCURRENCE $ EXCESS LIAB CLAIMS-MADE AGGREGATE $ DED RETENTION$ $ WORKERS COMPENSATION PER OTH- AND EMPLOYERS'LIABILITY STATUTE ER ANY PROPRIETORtPARTNERtEXECUTIVE Y J N E.L.EACH ACCIDENT $ 1,000,000 A OFFICERtMEMBEREXCLUDED? NfA 10664132-2021 03/29/22 03/29/23 (Mandatory in NH) E.L.DISEASE-EA EMPLOYEE $ 1,000,000 If yes,describe under DESCRIPTION OF OPERATIONS below E.L.DISEASE-POLICY LIMIT $ 1,000,000 DESCRIPTION OF OPERATIONS!LOCATIONS!VEHICLES (ACORD 101,Additional Remarks Schedule,may be attached if more space is required) CERTIFICATE HOLDER CANCELLATION MONROE COUNTY BOCC SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE 1100 SIMONTON ST. THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. KEY WEST, FL 33040 EMAIL: flatt-jaclyn@monroecounty-fl.gov AUTHORIZED REPRESENTATIVE ';'I ew� ©1988-2015 ACORD CORPORATION. All rights reserved. ACORD 25(2016/03) The ACORD name and logo are registered marks of ACORD DATE(MM/DD/YYYY) ACCOR" CERTIFICATE OF PROPERTY INSURANCE 6/14/2022 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. PRODUCER CONTACT NAME: Key West Insurance PHONE FAX 646 United Street, Suite 1 A/c No EXt:305-294-1096 A/C,No):305-294-8016 Key West FL 33040 ADDRESS: PRODUCER FLORKEY-07 CUSTOMER ID: License#:L100460 INSURER(S)AFFORDING COVERAGE NAIC# INSURED INSURERA: Century Surety Company 36951 Florida Keys S.P.C.A. 5711 College Rd INsuRER6: American Strategic Insurance Corp 10872 Key West FL 33040 INSURERC: Citizens Property Insurance Corporation 10064 INSURER D INSURER E INSURER F: COVERAGES CERTIFICATE NUMBER: 1543943616 REVISION NUMBER: LOCATION OF PREMISES/DESCRIPTION OF PROPERTY (Attach ACORD 101,Additional Remarks Schedule,if more space is required) THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT,TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN,THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR TYPE OF INSURANCE POLICY NUMBER POLICY EFFECTIVE POLICY EXPIRATION COVERED PROPERTY LIMITS LTR DATE(MM/DD/YYYY) DATE(MM/DD/YYYY) A )( PROPERTY CCP987003 7/12/2021 7/12/2022 X BUILDING $131,000 B FLD311938 11/6/2021 11/6/2022 CAUSES OF LOSS DEDUCTIBLES X PERSONAL PROPERTY $21,000 BASIC BUILDING BUSINESS INCOME $ 1,000 BROAD CONTENTS EXTRAEXPENSE $ SPECIAL 1,000 RENTALVALUE $ EARTHQUAKE BLANKET BUILDING $ WIND BLANKET PERS PROP $ X FLOOD 1,250 BLANKET BLDG&PP $ X Bldg-Flood $144,100 X Contents-Flood $21,000 INLAND MARINE TYPE OF POLICY )° 4 $ CAUSES OF LOSS ,,,, $ NAMED PERILS POLICY NUMBER - 16 . 2022 $ CRIME $ �p TYPE OF POLICY WAMp f _ $ BOILER&MACHINERY/ $ EQUIPMENT BREAKDOWN C Windstorm 00023680 7/3/2021 7/3/2022 X Bldg-Wind $336,000 Deductible-3 X Contents-Wind $20,000 SPECIAL CONDITIONS/OTHER COVERAGES(ACORD 101,Additional Remarks Schedule,may be attached if more space is required) 10550 Aviation Blvd,Marathon, FL 33050 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. Monroe County BOCC 1100 Simonton St AUTHORIZED REPRESENTATIVE Key West FL 33040 ©1995-2015 ACORD CORPORATION. All rights reserved. ACORD 24(2016103) The ACORD name and logo are registered marks of ACORD FLOR-46 op In. CH ,acoRO CERTIFICATE OF LIABILITY INSURANCE DATE(MM/DD/YYYY) `—� 07/15/2020 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 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 endorsements. PRODUCER 305-294-7696 CONTACT Christine NAME: Atlantic Pacific-Key West PHONE 305-294-7696 FAX 305-294-7383 1010 Kennedy Dr,Suite 203 (A/C,No,EXt): (A/C,No): Key West,FL 33040 aDORIL chernandez@apins.com INSURERS AFFORDING COVERAGE NAIC# INSURER A:Burlington Insurance Co. 23620 INSURED INSURER B:Progressive Express 10193 Florida Keys .P.C.A. R 5711 College Rd INSURERC:Old Dominion Insurance Co. 01573 Key West,FL 33040 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 TYPE OF INSURANCE ADDL SUBR POLICY EFF POLICY EXP INSD POLICY NUMBER LIMITS A X COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE $ 2,000,000 CLAIMS-MADE X OCCUR 535B535444 07/01/2020 07/01/2021 PRE I ES(RENTED 300 000 Y PREMISES Ea occurrence) $ MED EXP(Anyoneperson) $ 5,000 A X Professional Liab 53513535444 07/01/2020 07/01/2021 PERSONAL&ADV INJURY $ 2,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $ 2,000,000 POLICY JECT PRO- El ❑ LOC PRODUCTS-COMP/OP AGG $ included OTHER: $ B AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT 1 000 000 Ea accident $ ANY AUTO y 06466464-8 06/30/2020 06/30/2021 BODILY INJURY Perperson) $ OWNED AUTOS ONLY X AUTOSULED BODILY INJURY Per accident $ HIRED NON-OWNED PROPERTY DAMAGE AUTOS ONLY AUTOS ONLY Per accident $ 1 , $ UMBRELLA LAB OCCUR I - EACH OCCURRENCE $ EXCESS LAB CLAIMS-MADE By - AGGREGATE $ DED RETENTION$ 7DATt /2 2 :� ,�,�,,,,,...---_ $ _ WORKERS COMPENSATION � PER STATUTE EORH AND EMPLOYERS'LIABILITY ANY PROPRIETOR/PARTNER/EXECUTIVE ❑ E.L.EACH ACCIDENT $ OFFICER/MEMBER EXCLUDED? N/A (Mandatory in NH) E.L.DISEASE-EA EMPLOYE $ If yes,describe under DESCRIPTION OF OPERATIONS below E.L.DISEASE-POLICY LIMIT $ C Employee Dishonest F271672-N 06/26/2020 06/26/2021 Bond 100,000 DESCRIPTION OF OPERATIONS I LOCATIONS I VEHICLES (ACORD 101,Additional Remarks Schedule,may be attached if more space is required) Locations covered: 5711 College Rd, Key West, FL 33040(including 21 acres of Mt Trashmore); 10550 Aviation Blvd, Marathon, FL 33050; Parcels Q,R&S, Little KnockEm Down Key, FL 33042 CERTIFICATE HOLDER CANCELLATION MCBCCOM SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE Monroe Count BOCC THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN Y ACCORDANCE WITH THE POLICY PROVISIONS. Insurance Compliance PO Box 100085-FX AUTHORIZED REPRESENTATIVE Duluth, GA 30096 ACORD 25(2016/03) ©1988-2015 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD FLOR-46 OP ID- CH ,d►CORU CERTIFICATE OF LIABILITY INSURANCE DATE(MM/DD/YYYY) ll%. 07/22/2020 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 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 endorsements. PRODUCER 305-294-7696 CONTACT Christine Atlantic Pacific-Key West PHONE 305-294-7696 FAX 305-294-7383 1010 Kennedy Dr,Suite 203 A/C,No,Ext: A/C,No): Key West,FL 33040 E-MAILss,chernandez@apins.com INSURERS AFFORDING COVERAGE NAIC# INSURER A:Burlington Insurance Co. 23620 INSURED INSURER B:Progressive Express 10193 Florida Keys S.P.C.A.5711 Colle Old Dominion Insurance Co. 01573 ge Rd INSURER C Key West,FL 33040 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 TYPE OF INSURANCE ADDL SUBR POLICY NUMBER POLICY EFF POLICY EXP LIMITS A X COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE $ 2,000,000 CLAIMS-MADE X OCCUR 535B535444 07/01/2020 07/01/2021 DAMAGE TO RENTED 300,000 Y PREMISES Ea occurrence $ MED EXP(Anyoneperson) $ 5,000 A X Professional Liab 535B535444 07/01/2020 07/01/2021 PERSONAL&ADV INJURY $ 2,000,000 GENT AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $ 2,000,000 POLICY JECT PRO- ElElLOG PRODUCTS-COMP/OP AGO $ included OTHER: B AUTOMOBILE LIABILITY We SINGLE LIMIT 1,000,000 Ea accident $ ANY AUTO Y 06456454-8 06/30/2020 06/30/2021 BODILY INJURY Perperson) $ X OWNED AUTOS ONLY X AUTOS BODILY 9�^ BODILY INJURY Per accident $ AUTOS ONLY AUUTOS ONLY ,g,, p it Pe�accidenDAMAGE $ rya � r"a UMBRELLA LIAR OCCUR EACH OCCURRENCE $ EXCESSL.IAB CLAIMS-MADE r • �O�-I1 AGGREGATE $ DED RETENTION$ -m , AND EMPSCOMPENSATIONYERS'LIILIT � STATUTE FOR H AND EMPLOYERS'LIABILITY YINWAMM �� ANY PROPRIETOR/PARTNER/EXECUTIVE ❑ N/A E.L.EACH ACCIDENT $ OFFICERIMEMBER EXCLUDED? (Mandatory in NH) E.L.DISEASE-EA EMPLOYE $ If yes,describe under DESCRIPTION OF OPERATIONS below E.L.DISEASE-POLICY LIMIT C Employee Dishonest F271572-N 06/26/2020 06/26/2021 Bond 100,000 DESCRIPTION OF OPERATIONS/LOCATIONS(VEHICLES (ACORD 101,Additional Remarks Schedule,may be attached if more space is required) Locations covered: 5711 College Rd, Key West, FL 33040(including 21 acres of Mt Trashmore); 10550 Aviation Blvd, Marathon, FL 33050; Parcels Q,R&S, Little KnockErn Down Key, FL 33042 CERTIFICATE HOLDER CANCELLATION MCBCCOM SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE Monroe Count BOCC THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN Y ACCORDANCE WITH THE POLICY PROVISIONS. Insurance Compliance PO Box 100085-FX AUTHORIZED REPRESENTATIVE Duluth,GA 30096 ACORD 25(2016/03) @ 1988-2015 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD 71/28/2020 E(MM/DDYYY) A�" CERTIFICATE OF LIABILITY INSURANCE /Y 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 have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER CONTACT NAME: Kymberly Group Sihle Insurance Group, Inc. PHONE FAX 1021 Douglas Ave. A/c No EXt: .JC,No): Altamonte Springs FL 32714 ADDRESS: INSURER(S)AFFORDING COVERAGE NAIC# INSURERA: State National Insurance Company, Inc. 12831 INSURED KYMBGRO-01 INSURER B: Kymberly Group Payroll Solutions Inc. 1 West Church Street, Suite 200 INSURERC: Orlando FL 32801 INSURER D7 INSURER E: INSURER F: COVERAGES CERTIFICATE NUMBER:1058949984 REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES.LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR TYPE OF INSURANCE ADDL SUBR POLICY EFF POLICY EXP LIMITS LTR INSD WVD POLICY NUMBER MM/DD MM/DD COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE $ CLAIMS-MADE OCCUR DAMAGE TO RENTED PREMISES Ea occurrence $ MED EXP(Any one person) $ PERSONAL&ADV INJURY $ GEN'L AGGREGATE LIMIT APPLIES PER: - I'S GENERAL AGGREGATE $ POLICY D PE LOC I "*� - PRODUCTS-COMP/OP AGG $ OTHER: $ AUTOMOBILE LIABILITY COMBINEDSINGLELIMIT $ ATE_7 (1 �,y ,,�,,(-1,�(1 _ --,�„e*—,�^' Ea accident ANY AUTO j BODILY INJURY(Per person) $ OWNED SCHEDULED 4 �AUTOS ONLY AUTOS BODILY INJURY(Per accident) $ HIRED NON-OWNED PROPERTY DAMAGE $ AUTOS ONLY AUTOS ONLY Per accident UMBRELLA LAB OCCUR EACH OCCURRENCE $ EXCESS LAB CLAIMS-MADE AGGREGATE $ DED RETENTION$ $ A WORKERS COMPENSATION TGW900096401 1/1/2020 1/1/2021 X PER OTH- AND EMPLOYERS'LIABILITY Y/N STATUTE ER ANYPROPRIETOR/PARTNER/EXECUTIVE E.L.EACH ACCIDENT $1,000,000 OFFICE R/M EMBER EXCLUDED? ❑ N/A (Mandatory in NH) E.L.DISEASE-EA EMPLOYEE $1,000,000 If yes,describe under DESCRIPTION OF OPERATIONS below E.L.DISEASE-POLICY LIMIT $1,000,000 DESCRIPTION OF OPERATIONS/LOCATIONS/VEHICLES (ACORD 101,Additional Remarks Schedule,maybe attached if more space is required) Alternate Employer, Florida Keys Society for the Prevention of Cruelty to Animals, Inc.is provided Workers Compensation coverage effective 10/15/18 only for employees leased from Kymberly Group Payroll Solutions, Inc. Pursuant to the client services agreement between Florida Keys Society for the Prevention of Cruelty to Animals, Inc.and Kymberly Group Payroll Solutions, Inc. Key West Location at 5711 College Road, Key West Florida 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. Monroe County BOCC 1100 Simonton Street AUTHORIZEDRE�RESENTATIVE Key West FL 33040 ©1988-2015 ACORD CORPORATION. All rights reserved. ACORD 25(2016103) The ACORD name and logo are registered marks of ACORD THIS CERTIFICATE SUPERSEDES PREVIOUSLY ISSUED CERTIFICATE COMMERCIAL PROPERTY POLICY DECLARATIONS PAGE Mt. Hawley Insurance Company 90% Renaissance Re Syndicate 1458 Lloyd's 10% Peoria, Illinois 61615, USA London, EC3M 7HA, United Kingdom Policy Number: MPC0602111 Unique Market Reference (UMR): B087519R06F5001 Named Insured and Mailing Address: Agent/Broker and Mailing Address: Florida Keys SPCA AmWINS Brokerage of FL LLC 5230 College Road 7108 Fairway Drive, Suite 200 Key West, FL 33040 Palm Beach Gardens, FL 33418 Policy Period: From 12/28/2019 to 12/28/2020 at 12:01 A.M. Standard Time at your mailing address shown above. DESCRIPTION OF PREMISES Covered Locations Listed Below: 5711 College Road, Key West, FL 33040 CAUSES OF LOSS: Special including Equipment Breakdown excluding Earthquake and Flood Total coverage(limit) applicable Limit$8,500,000 Refer to CPR 2162, Specified Limits Endorsement Per Occurrence Loss Limit At no time will we pay more than $8,500,000 for a loss due to a single occurrence or event. DEDUCTIBLE(S): Refer to CPR 2218, Declarations- Deductible Addendum FORMS MADE A PART OF THIS POLICY AT TIME OF ISSUE: See CPR 2150, Applicable Forms & Endorsements PCA Fees $150 Total Premium $45,485 Amount Payable At Inception $45,635 Pro Rata Shares Applicable to this Combination Policy: Mt. Hawley Insurance Company will be responsible for 90% of all losses under this policy and Renaissance Re Syndicate 1458 Lloyd's will be responsible for 10% of all losses under this policy. Each of the Companies will be severally(but not jointly) liable solely for its own pro rata share. BYPRO � � .AGEMENT DATER tab WAIVER N/A' .. wl CaVI 4 -(4P- PG 12/24/2019 Authorized Signature FRPRC 100 (05/16) Page 1 of 1 Insured Surplus Lines Agent's Name: James Ayers Compton Surplus Lines Agent's Address: 302 Knights Run Av. St. 1240 Tampa, FL 33602 Surplus Lines Agent's License#: A052540 Producing Agent's Name: Christine Hernandez Producing Agent's Address: 1010 Kennedy Dr.,Suite 203 Key West, FL 33040 This insurance is issued pursuant to the Florida Surplus Lines Law. Persons insured by surplus lines carriers do not have the protection of the Florida Insurance Guaranty Act to the extent of any right of recovery for the obligation of an insolvent unlicensed insurer. Premium: $45,485.00 Tax: $2,294.25 Service Fee: $45.90 EMPA Surcharge: $4.00 Broker Fee: $250.00 Inspection Fee: $0.00 Policy Fee: $150.00 Surplus Lines Agent's Countersignature: 1 Policy Number: MPC0602111 DECLARATIONS - SUB-LIMIT ADDENDUM The total Limit of Liability as shown in the Declarations is subject to the following sub-limit(s). The sub-limit(s) shown is a limit or amount per occurrence, except for Earthquake and Flood where an annual aggregate applies. The sub-limit(s) shown are included in and do not increase the Limit of Liability shown in the Declarations. We will not, in any case, exceed this sub-limit(s)in one disaster, casualty or event, no matter how many locations are involved. Coverage Part or Item: Sub-Limit Demolition & Increased Cost of Construction (B&C) $250,000 Fire Department Service Charges $5,000 Property in Transit $25,000 Unnamed Locations $25,000 ALL OTHER TERMS AND CONDITIONS OF THIS POLICY REMAIN UNCHANGED. CPR 2147 (02/04) Page 1 of 1 Insured Policy Number: MPC0602111 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DECLARATIONS - DEDUCTIBLE ADDENDUM The following deductible wording is in addition to all other deductible wording found elsewhere in this policy. All other deductible wording found in and made a part of this policy also applies. Each claim for loss or damage will be adjusted separately. PERIL DEDUCTIBLE(S) $2,500 Per Occurrence for All Covered Perils, except: 3.00% of the Total Insurable Values Per Building (including time element if applicable) at the time of loss or damage subject to a minimum of$25,000 Per Occurrence for Named Storm $25,000 Per Occurrence for Windstorm or Hail Total Insurable Values is defined as the full value of covered property, including time element if applicable, subject to the valuation terms and conditions of the policy. Total Insurable Values are calculated at the time of loss or damage. ALL OTHER TERMS AND CONDITIONS OF THIS POLICY REMAIN UNCHANGED. CPR 2218 (11/04) Page 1 of 1 Insured • Policy Number: MPC0602111 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SPECIFIED LIMITS ENDORSEMENT Prem./Loc. Bldg. Limit of Type of Coins. Description&Location No. No. Insurance Coverage Percent Val.* of Property Covered 00001 001 $7,500,000 Building N/A RCV Built:2018,Masonry Non-Combustible 5711 College Road Key West, FL 33040 Animal Shelter 00001 001 $1,000,000 Business N/A RCV Built:2018, Masonry Non-Combustible Personal 5711 College Road Property Key West, FL 33040 Animal Shelter * Valuation. Indicate: ACV(Actual Cash Value),ALS (Actual Loss Sustained), RCV(Replacement Cost Value), SP(Selling Price)or SV(Stated Value). ALL OTHER TERMS AND CONDITIONS OF THIS POLICY REMAIN UNCHANGED. CPR 2162 (01/02) Page 1 of 1 Insured Policy Number: MPC0602111 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. APPLICABLE FORMS & ENDORSEMENTS FORMS AND ENDORSEMENTS LISTED BELOW APPLY TO AND ARE MADE PART OF THIS POLICY AT TIME OF ISSUE. CPR-2147(02/04) Declarations-SubLimit Addendum CPR-2218(11/04) Declarations- Deductible Addendum CPR-2162(01/02) Specified Limits Endorsement CP-0010(06/07) Building and Personal Property Coverage Form CP-1030(06/07) Causes Of Loss-Special Form CP-0090(07/88) Commercial Property Conditions CPR-2270(05/10) Equipment Breakdown Coverage Endorsement IL-0017(11/98) Common Policy Conditions CP-0415(10/00) Debris Removal Additional Insurance CP-0440(06/07) Spoilage Coverage CP-1430(10/00) Outdoor Trees, Shrubs and Plants CP-1440(06/07) Outdoor Signs CPR-2106(11/07) Automatic Acquisition Endorsement CPR-2152F(02/04) Electronic Data Processing Endorsement CPR-2161(11/13) Ordinance or Law Coverage CPR-2170(03/02) Valuable Papers and Records CPR-2177(03/02) Accounts Receivable CPR-2200(10/01) Loss Payee/Additional Insured Endorsement CPR-2216(09/02) Fine Arts Endorsement CPR-2224(03/03) Sewer Back Up Endorsement CPR-2268(02/07) Protective Safeguard Endorsement CPR-2274(04/12) Minimum Earned Premium Endorsement CPR-2276(04/12) Non-Payment Of Premium CPR-2281(12/14) Nuclear,,Biological, Chemical, or Radioactive Exclusion CPR-2282(02/15) Exclusion Of Cosmetic Damage To Roof Surfacing CPR-2284(04/15) Fire Protection Equipment Recharge Endorsement CPR-2285(04/15) Increased Perimeter Of Coverage Endorsement CP-0125(07/08) Florida Changes CP-1032(08/08) Water Exclusion Endorsement CPR-2117(08/15) Definition of Occurrence CPR-2126(10/01) Limitation of Liability Endorsement CPR-2133(10/01) Absolute Pollution Exclusion Endorsement CPR 2150 (10/01) Page 1 of 2 Insured • APPLICABLE FORMS & ENDORSEMENTS (cont'd) CPR-2165(04/13) Liberalization Clause Endorsement CPR-2188(12/10) Exclusion of Certain Computer Related Losses CPR-2230(03/08) Terrorism Exclusion CPR-2252(07/04) Property In Transit Endorsement CPR-2261(09/04) Fire Department Service Charge Endorsement CPR-2263(11/04) Unnamed Locations Extension CPR-2269(06/09) Asbestos Exclusion CPR-2291(08/15) Named Storm Definition CPR-2295(02/16) Windstorm or Hail Loss Reporting Limitation Addendum CPR-2307(09/18) Assignment Of Claim Benefits LMA-3100(09/10) Sanction Limitation And Exclusion Clause LMA-5096(03/08) Several Liability Clause NMA-1998(04/86) Service Of Suit Clause(U.S.A.) RIL-099C(11/16) Service of Suit Endorsement ALL OTHER TERMS AND CONDITIONS OF THIS POLICY REMAIN UNCHANGED. CPR 2150 (10/01) Page 2 of 2 Insured Policy Number: MPC0602111 BUILDING AND PERSONAL 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 policy 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. Other words and phrases that appear in quotation marks have special meaning. Refer to Section H. Definitions. A. Coverage (a) Additions under construction, altera- tions and repairs to the building or We will pay for direct physical loss of or damage to structure; Covered Property at the premises described in the Declarations caused by or resulting from any Covered (b) Materials, equipment, supplies and Cause of Loss. temporary structures, on or within 100 1. Covered Property feet of the described premises, used for making additions, alterations or Covered Property, as used in this Coverage Part, repairs to the building or structure. means the type of property described in this b. Your Business Personal Property located section, A. 1., and limited in A. 2. Property Not in or on the building described in the Declara- Covered, if a Limit of Insurance is shown in the Declarations for that type of property. tions or in the open (or in a vehicle)within 100 feet of the described premises, consisting of a. Building, meaning the building or structure the following unless otherwise specified in the described in the Declarations, including: Declarations or on the Your Business Person- al Property—Separation Of Coverage form: (1) Completed additions; (1) Furniture and fixtures; (2) Fixtures, including outdoor fixtures; (2) Machinery and equipment; (3) Permanently installed: (3) "Stock"; (a) Machinery and (4) All other personal property owned by you (b) Equipment; and used in your business; (4) Personal property owned by you that is (5) Labor, materials or services furnished or used to maintain or service the building or arranged by you on personal property of structure or its premises, including: others; (a) Fire-extinguishing equipment; (6) Your use interest as tenant in improve- (b) Outdoor furniture; ments and betterments. Improvements and betterments are fixtures, alterations, (c) Floor coverings; and installations or additions: (d) Appliances used for refrigerating, (a) Made a part of the building or struc- ventilating, cooking, dishwashing or ture you occupy but do not own; and laundering; (b) You acquired or made at your ex- (5) If not covered by other insurance: pense but cannot legally remove; CP 00 10 06 07 © ISO Properties, Inc., 2007 Page 1 of 15 Insured (7) Leased personal property for which you k. Property that is covered under another cover- have a contractual responsibility to insure, age form of this or any other policy in which it unless otherwise provided for under Per- is more specifically described, except for the sonal Property Of Others. excess of the amount due (whether you can collect on it or not)from that other insurance; c. Personal Property Of Others that is: I. Retaining walls that are not part of a building; (1) In your care, custody or control; and m. Underground pipes,flues or drains; (2) Located in or on the building described in the Declarations or in the open (or in a n. Electronic data, except as provided under the vehicle) within 100 feet of the described Additional Coverage, Electronic Data. Elec- premises. tronic data means information, facts or com- puter programs stored as or on, created or However, our payment for loss of or damage used on, or transmitted to or from computer to personal property of others will only be for software (including systems and applications the account of the owner of the property. software), on hard or floppy disks, CD-ROMs, tapes, drives, cells, data processing devices 2. Property Not Covered or any other repositories of computer software which are used with electronically controlled Covered Property does not include: equipment. The term computer programs, re- ferred to in the foregoing description of elec- a. Accounts, bills, currency, food stamps or tronic data, means a set of related electronic other evidences of debt, money, notes or instructions which direct the operations and securities. Lottery tickets held for sale are not functions of a computer or device connected securities; to it, which enable the computer or device to receive, process, store, retrieve or send data. b. Animals, unless owned by others and This paragraph, n., does not apply to your boarded by you, or if owned by you, only as "stock" of prepackaged software; "stock"while inside of buildings; o. The cost to replace or restore the information c. Automobiles held for sale; on valuable papers and records, including those which exist as electronic data. Valuable d. Bridges, roadways, walks, patios or other papers and records include but are not limited paved surfaces; to proprietary information, books of account, deeds, manuscripts, abstracts, drawings and e. Contraband, or property in the course of ille- card index systems. Refer to the Coverage gal transportation or trade; Extension for Valuable Papers And Records (Other Than Electronic Data) for limited cov- erage for valuable papers and records other f. The cost of excavations, grading, backfilling than those which exist as electronic data; or filling; p. Vehicles or self-propelled machines (including g. Foundations of buildings, structures, machin- aircraft or watercraft)that: ery or boilers if their foundations are below: (1) Are licensed for use on public roads; or (1) The lowest basement floor; or (2) Are operated principally away from the (2) The surface of the ground, if there is no described premises. basement; This paragraph does not apply to: h. Land (including land on which the property is located), water, growing crops or lawns; (a) Vehicles or self-propelled machines or autos you manufacture, process or i. Personal property while airborne or warehouse; waterborne; (b) Vehicles or self-propelled machines, j. Bulkheads, pilings, piers, wharves or docks; other than autos, you hold for sale; CP 00 10 06 07 © ISO Properties, Inc., 2007 Page 2 of 15 Insured (c) Rowboats or canoes out of water at deductible plus the amount that we the described premises; or pay for direct physical loss or damage to the Covered Property that has sus- (d) Trailers, but only to the extent pro- tained loss or damage. vided for in the Coverage Extension for Non-owned Detached Trailers; (4) We will pay up to an additional $10,000 for debris removal expense, for each q. The following property while outside of location, in any one occurrence of phys- buildings: ical loss or damage to Covered Property, if one or both of the following circum- (1) Grain, hay, straw or other crops; stances apply: (2) Fences, radio or television antennas (in- (a) The total of the actual debris removal cluding satellite dishes) and their lead-in expense plus the amount we pay for wiring, masts or towers, trees, shrubs or direct physical loss or damage ex- plants (other than "stock" of trees, shrubs ceeds the Limit of Insurance on the or plants), all except as provided in the Covered Property that has sustained Coverage Extensions. loss or damage. 3. Covered Causes Of Loss (b) The actual debris removal expense exceeds 25% of the sum of the de- See applicable Causes Of Loss Form as shown in ductible plus the amount that we pay the Declarations. for direct physical loss or damage to the Covered Property that has sus- 4. Additional Coverages tained loss or damage. a. Debris Removal Therefore, if (4) (a) and/or (4) (b) apply, (1) Subject to Paragraphs (3) and (4), we will our total payment for direct physical loss pay your expense to remove debris of or damage and debris removal expense Covered Property caused by or resulting may reach but will never exceed the Limit from a Covered Cause of Loss that of Insurance on the Covered Property occurs during the policy period. The ex- that has sustained loss or damage, plus penses will be paid only if they are $10,000. reported to us in writing within 180 days of the date of direct physical loss or (5) Examples damage. The following examples assume that (2) Debris Removal does not apply to costs there is no Coinsurance penalty. to: EXAMPLE#1 (a) Extract "pollutants" from land or water; or Limit of Insurance: $ 90,000 (b) Remove, restore or replace polluted Amount of Deductible: $ 500 land or water. Amount of Loss: $ 50,000 (3) Subject to the exceptions in Paragraph (4), the following provisions apply: Amount of Loss Payable: $ 49,500 (a) The most we will pay for the total of ($50,000—$500) direct physical loss or damage plus debris removal expense is the Limit of Debris Removal Expense: $ 10,000 Insurance applicable to the Covered Property that has sustained loss or Debris Removal Expense Payable: $ 10,000 damage. ($10,000 is 20% of$50,000.) (b) Subject to (a) above, the amount we will pay for debris removal expense is The debris removal expense is less than 25% of the sum limited to 25% of the sum of the of the loss payable plus the deductible. The sum of the CP 00 10 06 07 © ISO Properties, Inc., 2007 Page 3 of 15 Insured loss payable and the debris removal expense ($49,500 + c. Fire Department Service Charge $10,000 = $59,500) is less than the Limit of Insurance. Therefore the full amount of debris removal expense is When the fire department is called to save or payable in accordance with the terms of Paragraph (3). protect Covered Property from a Covered Cause of Loss, we will pay up to $1,000, un- EXAMPLE#2 less a higher limit is shown in the Declara- tions, for your liability for fire department Limit of Insurance: $ 90,000 service charges: Amount of Deductible: $ 500 (1) Assumed by contract or agreement prior to loss; or Amount of Loss: $ 80,000 (2) Required by local ordinance. Amount of Loss Payable: $ 79,500 No Deductible applies to this Additional ($80,000—$500) Coverage. Debris Removal Expense: $ 30,000 d. Pollutant Clean-up And Removal Debris Removal Expense Payable We will pay your expense to extract "pol- lutants" from land or water at the described Basic Amount: $ 10,500 premises if the discharge, dispersal, seepage, migration, release or escape of the "pollut- Additional Amount: $ 10,000 ants" is caused by or results from a Covered Cause of Loss that occurs during the policy The basic amount payable for debris removal expense period. The expenses will be paid only if they under the terms of Paragraph (3) is calculated as follows: are reported to us in writing within 180 days of $80,000 ($79,500 + $500) x .25 = $20,000; capped at the date on which the Covered Cause of Loss $10,500. The cap applies because the sum of the loss occurs. payable ($79,500) and the basic amount payable for debris removal expense ($10,500) cannot exceed the This Additional Coverage does not apply to Limit of Insurance ($90,000). costs to test for, monitor or assess the exis- tence, concentration or effects of "pollutants". The additional amount payable for debris removal ex- But we will pay for testing which is performed pense is provided in accordance with the terms of Para- in the course of extracting the "pollutants" graph (4), because the debris removal expense ($30,000) from the land or water. exceeds 25% of the loss payable plus the deductible ($30,000 is 37.5% of $80,000), and because the sum of The most we will pay under this Additional the loss payable and debris removal expense ($79,500 + Coverage for each described premises is $30,000 = $109,500)would exceed the Limit of Insurance $10,000 for the sum of all covered expenses ($90,000). The additional amount of covered debris re- arising out of Covered Causes of Loss oc- moval expense is $10,000, the maximum payable under curring during each separate 12-month period Paragraph (4). Thus the total payable for debris removal of this policy. expense in this example is $20,500; $9,500 of the debris removal expense is not covered. e. Increased Cost Of Construction b. Preservation Of Property (1) This Additional Coverage applies only to buildings to which the Replacement Cost If it is necessary to move Covered Property Optional Coverage applies. from the described premises to preserve it from loss or damage by a Covered Cause of (2) In the event of damage by a Covered Loss, we will pay for any direct physical loss Cause of Loss to a building that is Cov- or damage to that property: ered Property, we will pay the increased costs incurred to comply with enforce- (1) While it is being moved or while tem- ment of an ordinance or law in the course porarily stored at another location; and of repair, rebuilding or replacement of damaged parts of that property, subject to (2) Required by local ordinance. No Deduct- the limitations stated in e. (3) through e. ible applies to this Additional Coverage. (9) of this Additional Coverage. CP 00 10 06 07 © ISO Properties, Inc., 2007 Page 4 of 15 Insured (3) The ordinance or law referred to in e. (2) (7) With respect to this Additional Coverage: of this Additional Coverage is an ordi- nance or law that regulates the construc- (a) We will not pay for the Increased tion or repair of buildings or establishes Cost of Construction: zoning or land use requirements at the described premises, and is in force at the (i) Until the property is actually re- time of loss. paired or replaced, at the same or (4) Under this Additional Coverage, we will another premises; and not pay any costs due to an ordinance or (ii) Unless the repairs or replacement law that: are made as soon as reasonably (a) You were required to comply with possible after the loss or damage, before the loss, even when the build- not to exceed two years. We may ing was undamaged; and extend this period in writing dur- ing the two years. (b) You failed to comply with. (b) If the building is repaired or replaced (5) Under this Additional Coverage, we will at the same premises, or if you elect not pay for: to rebuild at another premises, the most we will pay for the Increased (a) The enforcement of any ordinance or Cost of Construction, subject to the law which requires demolition, repair, provisions of e. (6) of this Additional replacement, reconstruction, remod- Coverage, is the increased cost of eling or remediation of property due construction at the same premises. to contamination by "pollutants" or due to the presence, growth, prolif- eration, spread or any activity of"fun- (c) If the ordinance or law requires relo- gus", wet or dry rot or bacteria; or cation to another premises, the most we will pay for the Increased Cost of (b) Any costs associated with the en- Construction, subject to the provi- forcement of an ordinance or law sions of e. (6) of this Additional Cov- which requires any insured or others erage, is the increased cost of to test for, monitor, clean up, remove, construction at the new premises. contain, treat, detoxify or neutralize, or in any way respond to, or assess (8) This Additional Coverage is not subject to the effects of "pollutants", "fungus", the terms of the Ordinance Or Law Ex- wet or dry rot or bacteria. clusion, to the extent that such Exclusion would conflict with the provisions of this (6) The most we will pay under this Addi- Additional Coverage. tional Coverage, for each described building insured under this Coverage (9) The costs addressed in the Loss Payment Form, is $10,000 or 5% of the Limit of and Valuation Conditions, and the Re- Insurance applicable to that building, placement Cost Optional Coverage, in whichever is less. If a damaged building this Coverage Form, do not include the is covered under a blanket Limit of In- surance which applies to more than one increased cost attributable to enforce- building or item of property, then the most ment of an ordinance or law. The amount we will pay under this Additional Cover- payable under this Additional Coverage, age, for that damaged building, is the as stated in e. (6) of this Additional Cov- lesser of: $10,000 or 5% times the value erage, is not subject to such limitation. of the damaged building as of the time of loss times the applicable Coinsurance f. Electronic Data percentage. (1) Under this Additional Coverage, electron- The amount payable under this Additional is data has the meaning described under Coverage is additional insurance. Property Not Covered, Electronic Data. CP 00 10 06 07 © ISO Properties, Inc., 2007 Page 5 of 15 Insured (2) Subject to the provisions of this Additional computer systems involved. If loss pay- Coverage, we will pay for the cost to re- ment on the first occurrence does not place or restore electronic data which has exhaust this amount, then the balance is been destroyed or corrupted by a Cov- available for subsequent loss or damage ered Cause of Loss. To the extent that sustained in but not after that policy year. electronic data is not replaced or re- With respect to an occurrence which be- stored, the loss will be valued at the cost gins in one policy year and continues or of replacement of the media on which the results in additional loss or damage in a electronic data was stored, with blank subsequent policy year(s), all loss or media of substantially identical type. damage is deemed to be sustained in the policy year in which the occurrence (3) The Covered Causes of Loss applicable began. to Your Business Personal Property apply to this Additional Coverage, Electronic 5. Coverage Extensions Data, subject to the following: Except as otherwise provided, the following Ex- (a) If the Causes Of Loss—Special Form tensions apply to property located in or on the applies, coverage under this Addition- building described in the Declarations or in the al Coverage, Electronic Data, is limit- open (or in a vehicle) within 100 feet of the de- ed to the "specified causes of loss" as scribed premises. defined in that form, and Collapse as set forth in that form. If a Coinsurance percentage of 80% or more, or a Value Reporting period symbol, is shown in the (b) If the Causes Of Loss — Broad Form Declarations, you may extend the insurance pro- applies, coverage under this Addition- vided by this Coverage Part as follows: al Coverage, Electronic Data, in- cludes Collapse as set forth in that a. Newly Acquired Or Constructed Property form. (1) Buildings (c) If the Causes Of Loss Form is en- dorsed to add a Covered Cause of If this policy covers Building, you may Loss, the additional Covered Cause extend that insurance to apply to: of Loss does not apply to the cover- age provided under this Additional (a) Your new buildings while being built Coverage, Electronic Data. on the described premises; and (d) The Covered Causes of Loss include (b) Buildings you acquire at locations, a virus, harmful code or similar in- other than the described premises, in- struction introduced into or enacted tended for: on a computer system (including electronic data) or a network to which (i) Similar use as the building de- it is connected, designed to damage scribed in the Declarations; or or destroy any part of the system or disrupt its normal operation. But there (ii) Use as a warehouse. is no coverage for loss or damage caused by or resulting from manipula- The most we will pay for loss or damage tion of a computer system (including under this Extension is $250,000 at each electronic data) by any employee, building. including a temporary or leased em- ployee, or by an entity retained by (2) Your Business Personal Property you or for you to inspect, design, in- stall, modify, maintain, repair or re- (a) If this policy covers Your Business place that system. Personal Property, you may extend that insurance to apply to: (4) The most we will pay under this Additional Coverage, Electronic Data, is (i) Business personal property, in- $2,500 for all loss or damage sustained in cluding such property that you any one policy year, regardless of the newly acquire, at any location you number of occurrences of loss or damage acquire other than at fairs, trade or the number of premises, locations or shows or exhibitions; CP 00 10 06 07 © ISO Properties, Inc., 2007 Page 6 of 15 Insured (ii) Business personal property, in- (2) Personal property of others in your care, cluding such property that you custody or control. newly acquire, located at your newly constructed or acquired The most we will pay for loss or damage un- buildings at the location de- der this Extension is $2,500 at each de- scribed in the Declarations; or scribed premises. Our payment for loss of or damage to personal property of others will (iii) Business personal property that only be for the account of the owner of the you newly acquire, located at the property. described premises. The most we will pay for loss or dam- c. Valuable Papers And Records (Other Than age under this Extension is $100,000 Electronic Data) at each building. (1) You may extend the insurance that ap- (b) This Extension does not apply to: plies to Your Business Personal Property to apply to the cost to replace or restore (i) Personal property of others that is the lost information on valuable papers temporarily in your possession in and records for which duplicates do not the course of installing or per- exist. But this Extension does not apply to forming work on such property; or valuable papers and records which exist as electronic data. Electronic data has the (ii) Personal property of others that is meaning described under Property Not temporarily in your possession in Covered, Electronic Data. the course of your manufacturing or wholesaling activities. (2) If the Causes Of Loss—Special Form ap- (3) Period Of Coverage plies, coverage under this Extension is limited to the"specified causes of loss"as With respect to insurance on or at each defined in that form, and Collapse as set newly acquired or constructed property, forth in that form. coverage will end when any of the fol- lowing first occurs: (3) If the Causes Of Loss — Broad Form ap- plies, coverage under this Extension in- (a) This policy expires; cludes Collapse as set forth in that form. (b) 30 days expire after you acquire the (4) Under this Extension, the most we will property or begin construction of that pay to replace or restore the lost infor- part of the building that would qualify mation is $2,500 at each described as covered property; or premises, unless a higher limit is shown in the Declarations. Such amount is addi- (c) You report values to us. tional insurance. We will also pay for the cost of blank material for reproducing the We will charge you additional premium for records (whether or not duplicates exist), values reported from the date you acquire and (when there is a duplicate) for the the property or begin construction of that cost of labor to transcribe or copy the part of the building that would qualify as records. The costs of blank material and covered property. labor are subject to the applicable Limit of b. Personal Effects And Property Of Others Insurance on Your Business Personal Property and therefore coverage of such You may extend the insurance that applies to costs is not additional insurance. Your Business Personal Property to apply to: d. Property Off-premises (1) Personal effects owned by you, your of- ficers, your partners or members, your (1) You may extend the insurance provided managers or your employees. This Ex- by this Coverage Form to apply to your tension does not apply to loss or damage Covered Property while it is away from by theft. the described premises, if it is: CP 00 10 06 07 © ISO Properties, Inc., 2007 Page 7 of 15 Insured (a) Temporarily at a location you do not (a) The trailer is used in your business; own, lease or operate; (b) The trailer is in your care, custody or (b) In storage at a location you lease, control at the premises described in provided the lease was executed the Declarations; and after the beginning of the current policy term; or (c) You have a contractual responsibility to pay for loss or damage to the (c) At any fair, trade show or exhibition. trailer. (2) This Extension does not apply to (2) We will not pay for any loss or damage property: that occurs: (a) In or on a vehicle; or (a) While the trailer is attached to any motor vehicle or motorized convey- (b) In the care, custody or control of your ance, whether or not the motor ve- salespersons, unless the property is hicle or motorized conveyance is in in such care, custody or control at a motion; fair, trade show or exhibition. (b) During hitching or unhitching opera- tions, or when a trailer becomes ac- (3) The most we will pay for loss or damage cidentally unhitched from a motor under this Extension is$10,000. vehicle or motorized conveyance. e. Outdoor Property (3) The most we will pay for loss or damage under this Extension is $5,000, unless a You may extend the insurance provided by higher limit is shown in the Declarations. this Coverage Form to apply to your outdoor fences, radio and television antennas (includ- (4) This insurance is excess over the amount ing satellite dishes), trees, shrubs and plants due (whether you can collect on it or not) (other than "stock" of trees, shrubs or plants), from any other insurance covering such including debris removal expense, caused by property. or resulting from any of the following causes of loss if they are Covered Causes of Loss: Each of these Extensions is additional insurance un- less otherwise indicated. The Additional Condition, (1) Fire; Coinsurance, does not apply to these Extensions. (2) Lightning; B. Exclusions And Limitations (3) Explosion; See applicable Causes Of Loss Form as shown in the Declarations. (4) Riot or Civil Commotion; or C. Limits Of Insurance (5) Aircraft. The most we will pay for loss or damage in any one The most we will pay for loss or damage occurrence is the applicable Limit of Insurance shown in the Declarations. under this Extension is $1,000, but not more than $250 for any one tree, shrub or plant. The most we will pay for loss or damage to outdoor These limits apply to any one occurrence, signs, whether or not the sign is attached to a regardless of the types or number of items building, is $2,500 per sign in any one occurrence. lost or damaged in that occurrence. The amounts of insurance stated in the following Ad- f. Non-owned Detached Trailers ditional Coverages apply in accordance with the terms of such coverages and are separate from the Limit(s) (1) You may extend the insurance that ap- of Insurance shown in the Declarations for any other plies to Your Business Personal Property coverage: to apply to loss or damage to trailers that you do not own, provided that: 1. Fire Department Service Charge; CP 00 10 06 07 © ISO Properties, Inc., 2007 Page 8 of 15 Insured 2. Pollutant Clean-up And Removal; The Deductible applies once per occurrence and therefore is not subtracted in determining the amount of loss pay- 3. Increased Cost Of Construction; and able for Building #2. Loss payable for Building #2 is the Limit of Insurance of$80,000. 4. Electronic Data. Total amount of loss payable: Payments under the Preservation Of Property Addi- tional Coverage will not increase the applicable Limit $59,850 + $80,000 =$139,850 of Insurance. EXAMPLE#2 D. Deductible (This example, too, assumes there is no Coinsurance In any one occurrence of loss or damage (hereinafter penalty.) referred to as loss), we will first reduce the amount of The Deductible and Limits of Insurance are the same as loss if required by the Coinsurance Condition or the those in Example#1. Agreed Value Optional Coverage. If the adjusted amount of loss is less than or equal to the Deductible, Loss to Building#1: $ 70,000 we will not pay for that loss. If the adjusted amount of (Exceeds Limit of Insurance plus Deductible) loss exceeds the Deductible, we will then subtract the Deductible from the adjusted amount of loss, and will Loss to Building#2: $ 90,000 pay the resulting amount or the Limit of Insurance, (Exceeds Limit of Insurance plus Deductible) whichever is less. Loss Payable—Building#1: $ 60,000 When the occurrence involves loss to more than one (Limit of Insurance) item of Covered Property and separate Limits of In- surance apply, the losses will not be combined in Loss Payable—Building#2: $ 80,000 determining application of the Deductible. But the De- (Limit of Insurance) ductible will be applied only once per occurrence. Total amount of loss payable: $140,000 EXAMPLE#1 E. Loss Conditions (This example assumes there is no Coinsurance penalty.) The following conditions apply in addition to the Com- monDeductible: $ 250 Policy Conditions and the Commercial Property Conditions. Limit of Insurance—Building#1: $ 60,000 1. Abandonment Limit of Insurance—Building#2: $ 80,000 There can be no abandonment of any property to us. Loss to Building#1: $ 60,100 2. Appraisal Loss to Building#2: $ 90,000 If we and you disagree on the value of the prop- The amount of loss to Building #1 ($60,100) is less than erty or the amount of loss, either may make the sum ($60,250) of the Limit of Insurance applicable to written demand for an appraisal of the loss. In this Building#1 plus the Deductible. event, each party will select a competent and im- partial appraiser. The two appraisers will select an The Deductible will be subtracted from the amount of loss umpire. If they cannot agree, either may request in calculating the loss payable for Building#1: that selection be made by a judge of a court having jurisdiction. The appraisers will state sepa- $60,100 rately the value of the property and amount of — 250 loss. If they fail to agree, they will submit their dif- ferences to the umpire. A decision agreed to by any two will be binding. Each party will: CP 00 10 06 07 © ISO Properties, Inc., 2007 Page 9 of 15 Insured a. Pay its chosen appraiser; and (8) Cooperate with us in the investigation or settlement of the claim. b. Bear the other expenses of the appraisal and umpire equally. b. We may examine any insured under oath, while not in the presence of any other insured If there is an appraisal, we will still retain our right and at such times as may be reasonably re- to deny the claim. quired, about any matter relating to this insurance or the claim, including an insured's 3. Duties In The Event Of Loss Or Damage books and records. In the event of an exam- ination, an insured's answers must be signed. a. You must see that the following are done in the event of loss or damage to Covered 4. Loss Payment Property: a. In the event of loss or damage covered by (1) Notify the police if a law may have been this Coverage Form, at our option, we will broken. either: (2) Give us prompt notice of the loss or dam- (1) Pay the value of lost or damaged age. Include a description of the property property; involved. (2) Pay the cost of repairing or replacing the (3) As soon as possible, give us a description lost or damaged property, subject to b. of how, when and where the loss or dam- below; age occurred. (4) Take all reasonable steps to protect the (3) Take all or any part of the property at an Covered Property from further damage, agreed or appraised value; or and keep a record of your expenses (4) Repair, rebuild or replace the property necessary to protect the Covered Prop- with other property of like kind and erty, for consideration in the settlement of the claim. This will not increase the Limit quality, subject to b. below. of Insurance. However, we will not pay for We will determine the value of lost or dam- any subsequent loss or damage resulting from a cause of loss that is not a Covered aged property, or the cost of its repair or Cause of Loss. Also, if feasible, set the replacement, in accordance with the appli- damaged property aside and in the best cable terms of the Valuation Condition in this possible order for examination. Coverage Form or any applicable provision which amends or supersedes the Valuation (5) At our request, give us complete inven- Condition. tories of the damaged and undamaged property. Include quantities, costs, values b. The cost to repair, rebuild or replace does not and amount of loss claime. include the increased cost attributable to en- forcement of any ordinance or law regulat- (6) As often as may be reasonably required, ing the construction, use or repair of any permit us to inspect the property proving property. the loss or damage and examine your books and records. c. We will give notice of our intentions within 30 days after we receive the sworn proof of loss. Also permit us to take samples of dam- aged and undamaged property for inspec- d. We will not pay you more than your financial tion, testing and analysis, and permit us interest in the Covered Property. to make copies from your books and records. e. We may adjust losses with the owners of lost or damaged property if other than you. If we (7) Send us a signed, sworn proof of loss pay the owners, such payments will satisfy containing the information we request to your claims against us for the owners' prop- investigate the claim. You must do this erty. We will not pay the owners more than within 60 days after our request. We will their financial interest in the Covered supply you with the necessary forms. Property. CP 00 10 06 07 © ISO Properties, Inc., 2007 Page 10 of 15 Insured f. We may elect to defend you against suits means the unit or suite rented or arising from claims of owners of property. We leased to the tenant. Such building is will do this at our expense. vacant when it does not contain enough business personal property to g. We will pay for covered loss or damage within conduct customary operations. 30 days after we receive the sworn proof of loss, if you have complied with all of the terms (b) When this policy is issued to the of this Coverage Part and: owner or general lessee of a building, building means the entire building. (1) We have reached agreement with you on Such building is vacant unless at the amount of loss; or least 31% of its total square footage (2) An appraisal award has been made. is: h. A party wall is a wall that separates and is (i) Rented to a lessee or sub-lessee common to adjoining buildings that are owned and used by the lessee or sub- by different parties. In settling covered losses lessee to conduct its customary involving a party wall, we will pay a proportion operations; and/or of the loss to the party wall based on your interest in the wall in proportion to the interest (ii) Used by the building owner to of the owner of the adjoining building. How- conduct customary operations. ever, if you elect to repair or replace your building and the owner of the adjoining (2) Buildings under construction or renova- building elects not to repair or replace that tion are not considered vacant. building, we will pay you the full value of the loss to the party wall, subject to all applicable b. Vacancy Provisions policy provisions including Limits of Insur- ance, the Valuation and Coinsurance Con- If the building where loss or damage occurs ditions and all other provisions of this Loss has been vacant for more than 60 consec- Payment Condition. Our payment under the utive days before that loss or damage occurs: provisions of this paragraph does not alter any right of subrogation we may have against (1) We will not pay for any loss or damage any entity, including the owner or insurer of caused by any of the following even if the adjoining building, and does not alter the they are Covered Causes of Loss: terms of the Transfer Of Rights Of Recovery Against Others To Us Condition in this policy. (a) Vandalism; 5. Recovered Property (b) Sprinkler leakage, unless you have protected the system against If either you or we recover any property after loss freezing; settlement, that party must give the other prompt notice. At your option, the property will be (c) Building glass breakage; returned to you. You must then return to us the amount we paid to you for the property. We will (d) Water damage; pay recovery expenses and the expenses to repair the recovered property, subject to the Limit (e) Theft; or of Insurance. 6. Vacancy (f) Attempted theft. a. Description Of Terms (2) With respect to Covered Causes of Loss other than those listed in b. (1) (a) (1) As used in this Vacancy Condition, the through b. (1) (f) above, we will reduce term building and the term vacant have the amount we would otherwise pay for the meanings set forth in (1) (a) and (1) the loss or damage by 15%. (b) below: 7. Valuation (a) When this policy is issued to a tenant, and with respect to that tenant's We will determine the value of Covered Property interest in Covered Property, building in the event of loss or damage as follows: CP 00 10 06 07 © ISO Properties, Inc., 2007 Page 11 of 15 Insured a. At actual cash value as of the time of loss or F. Additional Conditions damage, except as provided in b., c., d. and e. below. The following conditions apply in addition to the Com- mon Policy Conditions and the Commercial Property b. If the Limit of Insurance for Building satisfies Conditions. the Additional Condition, Coinsurance, and the cost to repair or replace the damaged 1. Coinsurance building property is $2,500 or less, we will pay the cost of building repairs or replacement. If a Coinsurance percentage is shown in the Dec- larations, the following condition applies. The cost of building repairs or replacement does not include the increased cost attrib- a. We will not pay the full amount of any loss if utable to enforcement of any ordinance or law the value of Covered Property at the time of regulating the construction, use or repair of loss times the Coinsurance percentage any property. shown for it in the Declarations is greater than the Limit of Insurance for the property. However, the following property will be valued at the actual cash value even when attached Instead, we will determine the most we will to the building: pay using the following steps: (1) Awnings or floor coverings; (1) Multiply the value of Covered Property at (2) Appliances for refrigerating, ventilating, the time of loss by the Coinsurance percentage; cooking, dishwashing or laundering; or Outdoor equipment or furniture. (2) Divide the Limit of Insurance of the prop- (3) erty by the figure determined in Step (1); c. "Stock" you have sold but not delivered at the (3) Multiply the total amount of loss, before selling price less discounts and expenses you the application of any deductible, by the otherwise would have had. figure determined in Step (2); and d. Glass at the cost of replacement with safety- (4) Subtract the deductible from the figure glazing material if required by law. determined in Step (3). • e. Tenants' Improvements and Betterments at: We will pay the amount determined in Step (1) Actual cash value of the lost or damaged (4) or the limit of insurance, whichever is less. property if you make repairs promptly. For the remainder, you will either have to rely on other insurance or absorb the loss (2) A proportion of your original cost if you do yourself. not make repairs promptly. We will deter- mine the proportionate value as follows: EXAMPLE#1 (UNDERINSURANCE) (a) Multiply the original cost by the num- When: The value of the property is: $250,000 ber of days from the loss or damage to the expiration of the lease; and The Coinsurance percentage 80% for it is: (b) Divide the amount determined in (a) above by the number of days from The Limit of Insurance for it is: $100,000 the installation of improvements to the expiration of the lease. The Deductible is: $ 250 If your lease contains a renewal option, The amount of loss is: $ 40,000 the expiration of the renewal option period will replace the expiration of the Step (1): $250,000 x 80% = $200,000 lease in this procedure. (the minimum amount of insurance to meet your Coinsurance requirements) (3) Nothing if others pay for repairs or replacement. Step (2): $100,000 _ $200,000 = .50 CP 00 10 06 07 © ISO Properties, Inc., 2007 Page 12 of 15 Insured Step(3): $40,000 x.50 = $20,000 Step (1): $250,000 x 90% = $225,000 (the minimum amount of insurance to meet Step (4): $20,000-$250 = $19,750 your Coinsurance requirements and to avoid the penalty shown below) We will pay no more than $19,750. The remaining $20,250 is not covered. Step (2): $180,000= $225,000 = .80 EXAMPLE#2 (ADEQUATE INSURANCE) Step(3): $50,000 x .80 =$40,000 When: The value of the property is: $250,000 Step(4): $40,000-$1,000 = $39,000 The Coinsurance percentage We will pay no more than $39,000. The remaining for it is: 80% $11,000 is not covered. The Limit of Insurance for it is: $200,000 2. Mortgageholders The Deductible is: $ 250 a. The term mortgageholder includes trustee. The amount of loss is: $ 40,000 b. We will pay for covered loss of or damage to The minimum amount of insurance to meet your Coin- buildings or structures to each mortgage- surance requirement is $200,000 ($250,000 x 80%) holder shown in the Declarations in their order Therefore, the Limit of Insurance in this example is ade- of precedence, as interests may appear. quate and no penalty applies. We will pay no more than $39,750 ($40,000 amount of loss minus the deductible of c. The mortgageholder has the right to receive $250). loss payment even if the mortgageholder has started foreclosure or similar action on the b. If one Limit of Insurance applies to two or building or structure. more separate items, this condition will apply to the total of all property to which the limit d. If we deny your claim because of your acts or applies. because you have failed to comply with the terms of this Coverage Part, the mortgage- EXAMPLE#3 holder will still have the right to receive loss payment if the mortgageholder: When: The value of the property is: (1) Pays any premium due under this Cov- Building at Location #1: $ 75,000 erage Part at our request if you have failed to do so; Building at Location #2: $100,000 (2) Submits a signed, sworn proof of loss Personal Property within 60 days after receiving notice from at Location#2: $ 75,000 us of your failure to do so; and $250,000 The Coinsurance percentage (3) Has notified us of any change in owner- for it is: 90% ship, occupancy or substantial change in The Limit of Insurance for risk known to the mortgageholder. Buildings and Personal Property All of the terms of this Coverage Part will then at Locations#1 and #2 is: $180,000 apply directly to the mortgageholder. The Deductible is: $ 1,000 e. If we pay the mortgageholder for any loss or • The amount of loss is: damage and deny payment to you because of your acts or because you have failed to Building at Location#2: $ 30,000 comply with the terms of this Coverage Part: Personal Property (1) The mortgageholder's rights under the at Location#2: $ 20,000 mortgage will be transferred to us to the $ 50,000 extent of the amount we pay; and CP 00 10 06 07 © ISO Properties, Inc., 2007 Page 13 of 15 Insured (2) The mortgageholder's right to recover the (2) Before the Agreed Value expiration date full amount of the mortgageholder's claim shown in the Declarations or the policy will not be impaired. expiration date, whichever occurs first. At our option, we may pay to the mortgage- 2. Inflation Guard holder the whole principal on the mortgage plus any accrued interest. In this event, your a. The Limit of Insurance for property to which mortgage and note will be transferred to us this Optional Coverage applied will auto- and you will pay your remaining mortgage matically increase by the annual percentage shown in the Declarations. debt to us. b. The amount of increase will be: f. If we cancel this policy, we will give written notice to the mortgageholder at least: (1) The Limit of Insurance that applied on the most recent of the policy inception date, (1) 10 days before the effective date of can- the policy anniversary date, or any other cellation if we cancel for your nonpay- policy change amending the Limit of In- ment of premium; or surance, times (2) 30 days before the effective date of can- (2) The percentage of annual increase shown cellation if we cancel for any other in the Declarations, expressed as a dec- reason. imal (example: 8% is .08), times g. If we elect not to renew this policy, we will (3) The number of days since the beginning give written notice to the mortgageholder at of the current policy year or the effective least 10 days before the expiration date of date of the.most recent policy change amending the Limit of Insurance, divided this policy. by 365. G. Optional Coverages EXAMPLE If shown as applicable in the Declarations, the follow- If: The applicable Limit of Insurance is: $100,000 ing Optional Coverages apply separately to each item. The annual percentage increase is: 8% 1. Agreed Value The number of days since the beginning a. The Additional Condition, Coinsurance, does of the policy year(or last policy change)is: 146 not apply to Covered Property to which this Optional Coverage applies. We will pay no The amount of increase is: more for loss of or damage to that property $100,000 x .08 x 146 = 365 = $ 3,200 than the proportion that the Limit of Insurance 3. Replacement Cost under this Coverage Part for the property bears to the Agreed Value shown for it in the a. Replacement Cost (without deduction for de- Declarations. preciation) replaces Actual Cash Value in the Valuation Loss Condition of this Coverage b. If the expiration date for this Optional Coy- Form. erage shown in tie Declarations is not extended, the Additional Condition, Coin- b. This Optional Coverage does not apply to: surance, is reinstated and this Optional Coverage expires. (1) Personal property of others; c. The terms of this Optional Coverage apply (2) Contents of a residence; only to loss or damage that occurs: (3) Works of art, antiques or rare articles, (1) On or after the effective date of this Op- including etchings, pictures, statuary, tional Coverage; and marbles, bronzes, porcelains and bric-a- brac; or CP 00 10 06 07 © ISO Properties, Inc., 2007 Page 14 of 15 Insured (4) "Stock", unless the Including "Stock" op- (3) The amount actually spent that is neces- tion is shown in the Declarations. sary to repair or replace the lost or dam- aged property. Under the terms of this Replacement Cost Optional Coverage, tenants' improvements If a building is rebuilt at a new premises, the and betterments are not considered to be the cost described in e.(2) above is limited to the personal property of others. cost which would have been incurred if the building had been rebuilt at the original c. You may make a claim for loss or damage premises. covered by this insurance on an actual cash f. The cost of repair or replacement does not value basis instead of on a replacement cost include the increased cost attributable to en- basis. In the event you elect to have loss or forcement of any ordinance or law regulating damage settled on an actual cash value the construction, use or repair of any basis, you may still make a claim for the property. additional coverage this Optional Coverage provides if you notify us of your intent to do so 4. Extension Of Replacement Cost To Personal within 180 days after the loss or damage. Property Of Others d. We will not pay on a replacement cost basis a. If the Replacement Cost Optional Coverage is for any loss or damage: shown as applicable in the Declarations, then this Extension may also be shown as ap- (1) Until the lost or damaged property is act- plicable. If the Declarations show this Exten- ually repaired or replaced; and sion as applicable, then Paragraph 3.b.(1) of the Replacement Cost Optional Coverage is (2) Unless the repairs or replacement are deleted and all other provisions of the Re- made as soon as reasonably possible placement Cost Optional Coverage apply to after the loss or damage. replacement cost on personal property of others. With respect to tenants' improvements and betterments, the following also apply: b. With respect to replacement cost on the per- sonal property of others, the following limita- (3) If the conditions in d.(1) and d.(2) above tion applies: are not met, the value of tenants' inn- If an item(s) of personal property of others is provements and betterments will be subject to a written contract which governs determined as a proportion of your orig- your liability for loss or damage to that inal cost, as set forth in the Valuation item(s), then valuation of that item(s) will be Loss Condition of this Coverage Form; based on the amount for which you are liable and under such contract, but not to exceed the lesser of the replacement cost of the property (4) We will not pay for loss or damage to or the applicable Limit of Insurance. tenants' improvements and betterments if others pay for repairs or replacement. H. Definitions e. We will not pay more for loss or damage on a 1. "Fungus" means any type or form of fungus, replacement cost basis than the least of (1), including mold or mildew, and any mycotoxins, (2) or(3), subject to f. below: spores, scents or by-products produced or re- leased by fungi. (1) The Limit of Insurance applicable to the lost or damaged property; 2. "Pollutants" means any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, (2) The cost to replace the lost or damaged vapor, soot, fumes, acids, alkalis, chemicals and property with other property: waste. Waste includes materials to be recycled, reconditioned or reclaimed. (a) Of comparable material and quality; 3. "Stock" means merchandise held in storage or for and sale, raw materials and in-process or finished goods, including supplies used in their packing or (b) Used for the same purpose; or shipping. CP 00 10 06 07 © ISO Properties, Inc., 2007 Page 15 of 15 Insured Policy Number: MPC0602111 CAUSES OF LOSS - SPECIAL FORM Words and phrases that appear in quotation marks have special meaning. Refer to Section G., Definitions. A. Covered Causes Of Loss (2) Landslide, including any earth sinking, rising or shifting related to such event; When Special is shown in the Declarations, Covered Causes of Loss means Risks Of Direct Physical Loss (3) Mine subsidence, meaning subsidence of unless the loss is: a man-made mine, whether or not mining activity has ceased; 1. Excluded in Section B., Exclusions; or (4) Earth sinking (other than sinkhole col- 2. Limited in Section C., Limitations; lapse), rising or shifting including soil con- ditions which cause settling, cracking or that follow. other disarrangement of foundations or other parts of realty. Soil conditions in- B. Exclusions dude contraction, expansion, freezing, thawing, erosion, improperly compacted 1. We will not pay for loss or damage caused soil and the action of water under the directly or indirectly by any of the following. Such ground surface. loss or damage is excluded regardless of any other cause or event that contributes concurrently But if Earth Movement, as described in b.(1) or in any sequence to the loss. through (4) above, results in fire or explosion, we will pay for the loss or damage caused by a. Ordinance Or Law that fire or explosion. The enforcement of any ordinance or law: (5) Volcanic eruption, explosion or effusion. But if volcanic eruption, explosion or effu- (1) Regulating the construction, use or repair any property; or sion results in fire, building glass break- ofage or Volcanic Action, we will pay for the (2) Requiring the tearing down of any proper- loss or damage caused by that fire, build ty, including the cost of removing its ing glass breakage or Volcanic Action. debris. Volcanic Action means direct loss or This exclusion, Ordinance Or Law, applies damage resulting from the eruption of a whether the loss results from: volcano when the loss or damage is caused by: (a) An ordinance or law that is enforced (a) Airborne volcanic blast or airborne even if the property has not been damaged; or shock waves; (b) The increased costs incurred to com- (b) Ash, dust or particulate matter; or ply with an ordinance or law in the (c) Lava flow. course of construction, repair, reno- vation, remodeling or demolition of property, or removal of its debris, All volcanic eruptions that occur within following a physical loss to that any 168-hour period will constitute a property. single occurrence. b. Earth Movement Volcanic Action does not include the cost to remove ash, dust or particulate matter (1) Earthquake, including any earth sinking, that does not cause direct physical loss or rising or shifting related to such event; damage to the described property. CP 10 30 06 07 © ISO Properties, Inc., 2007 Page 1 of 10 Insured c. Governmental Action •(2) Warlike action by a military force, in- cluding action in hindering or defending Seizure or destruction of property by order of against an actual or expected attack, by governmental authority. any government, sovereign or other authority using military personnel or other But we will pay for loss or damage caused by agents; or or resulting from acts of destruction ordered by governmental authority and taken at the (3) Insurrection, rebellion, revolution, usurped time of a fire to prevent its spread, if the fire power, or action taken by governmental would be covered under this Coverage Part. authority in hindering or defending d. Nuclear Hazard against any of these. Nuclear reaction or radiation, or radioactive g. Water contamination, however caused. (1) Flood, surface water, waves, tides, tidal But if nuclear reaction or radiation, or radioac- waves, overflow of any body of water, or tive contamination, results in fire, we will pay their spray, all whether driven by wind or for the loss or damage caused by that fire. not; e. Utility Services (2) Mudslide or mudflow; The failure of power, communication, water or (3) Water that backs up or overflows from a other utility service supplied to the described sewer, drain or sump; or premises, however caused, if the failure: (4) Water under the ground surface pressing (1) Originates away from the described prem- on, or flowing or seeping through: ises; or (a) Foundations, walls, floors or paved (2) Originates at the described premises, but surfaces; only if such failure involves equipment used to supply the utility service to the described premises from a source away (b) Basements,whether paved or not; or from the described premises. (c) Doors, windows or other openings. Failure of any utility service includes lack of sufficient capacity and reduction in supply. But if Water, as described in g.(1) through g.(4) above, results in fire, explosion or Loss or damage caused by a surge of power sprinkler leakage, we will pay for the loss or is also excluded, if the surge would not have damage caused by that fire, explosion or occurred but for an event causing a failure of sprinkler leakage. power. h. "Fungus", Wet Rot, Dry Rot And Bacteria But if the failure or surge of power, or the failure of communication, water or other utility Presence, growth, proliferation, spread or any service, results in a Covered Cause of Loss, activity of"fungus", wet or dry rot or bacteria. we will pay for the loss or damage caused by that Covered Cause of Loss. But if "fungus", wet or dry rot or bacteria results in a "specified cause of loss", we will Communication services include but are not pay for the loss or damage caused by that limited to service relating to Internet access or "specified cause of loss". access to any electronic, cellular or satellite network. This exclusion does not apply: f. War And Military Action (1) When "fungus", wet or dry rot or bacteria (1) War, including undeclared or civil war; results from fire or lightning; or CP 10 30 06 07 © ISO Properties, Inc., 2007 Page 2 of 10 Insured (2) To the extent that coverage is provided in (4) Settling, cracking, shrinking or expansion; the Additional Coverage — Limited Cover- age For "Fungus", Wet Rot, Dry Rot And (5) Nesting or infestation, or discharge or re- Bacteria with respect to loss or damage lease of waste products or secretions, by by a cause of loss other than fire or insects, birds, rodents or other animals. lightning. (6) Mechanical breakdown, including rupture Exclusions B.1.a. through B.1.h. apply whether or or bursting caused by centrifugal force. not the loss event results in widespread damage But if mechanical breakdown results in el- or affects a substantial area. evator collision, we will pay for the loss or damage caused by that elevator collision. 2. We will not pay for loss or damage caused by or resulting from any of the following: (7) The following causes of loss to personal property: a. Artificially generated electrical, magnetic or electromagnetic energy that damages, (a) Dampness or dryness of atmosphere; disturbs, disrupts or otherwise interferes with any: (b) Changes in or extremes of tempera- ture; or (1) Electrical or electronic wire, device, appli- ance, system or network; or (c) Marring or scratching. (2) Device, appliance, system or network util- But if an excluded cause of loss that is listed izing cellular or satellite technology. in 2.d.(1) through (7) results in a "specified cause of loss" or building glass breakage, we For the purpose of this exclusion, electrical, will pay for the loss or damage caused by that magnetic or electromagnetic energy includes "specified cause of loss" or building glass but is not limited to: breakage. (a) Electrical current, including arcing; e. Explosion of steam boilers, steam pipes, steam engines or steam turbines owned or (b) Electrical charge produced or con- leased by you, or operated under your con- ducted by a magnetic or electromag- trol. But if explosion of steam boilers, steam netic field; pipes, steam engines or steam turbines results in fire or combustion explosion, we will (c) Pulse of electromagnetic energy; or pay for the loss or damage caused by that fire or combustion explosion. We will also pay for (d) Electromagnetic waves or micro- loss or damage caused by or resulting from waves. the explosion of gases or fuel within the furnace of any fired vessel or within the flues But if fire results, we will pay for the loss or or passages through which the gases of damage caused by that fire. combustion pass. b. Delay, loss of use or loss of market. f. Continuous or repeated seepage or leakage of water, or the presence or condensation of c. Smoke, vapor or gas from agricultural humidity, moisture or vapor, that occurs over smudging or industrial operations. a period of 14 days or more. d. (1) Wear and tear; g. Water, other liquids, powder or molten mater- ial that leaks or flows from plumbing, heating, (2) Rust or other corrosion, decay, deteriora- air conditioning or other equipment (except tion, hidden or latent defect or any quality fire protective systems) caused by or resulting in property that causes it to damage or from freezing, unless: destroy itself; (1) You do your best to maintain heat in the (3) Smog; building or structure; or CP 10 30 06 07 © ISO Properties, Inc., 2007 Page 3 of 10 Insured (2) You drain the equipment and shut off the (ii) Breakage of building glass; supply if the heat is not maintained. (iii)Weight of rain that collects on a h. Dishonest or criminal act by you, any of your roof; or partners, members, officers, managers, em- ployees (including leased employees), di- (iv) Weight of people or personal rectors, trustees, authorized representatives property. or anyone to whom you entrust the property for any purpose: I. Discharge, dispersal, seepage, migration, re- lease or escape of "pollutants" unless the (1) Acting alone or in collusion with others; or discharge, dispersal, seepage, migration, release or escape is itself caused by any of (2) Whether or not occurring during the hours the "specified causes of loss". But if the dis- of employment. charge, dispersal, seepage, migration, re- lease or escape of "pollutants" results in a This exclusion does not apply to acts of de- "specified cause of loss", we will pay for the struction by your employees (including leased loss or damage caused by that "specified employees); but theft by employees (including cause of loss". leased employees) is not covered. This exclusion, I., does not apply to damage I. Voluntary parting with any property by you or to glass caused by chemicals applied to the anyone else to whom you have entrusted the glass. property if induced to do so by any fraudulent scheme, trick, device or false pretense. m. Neglect of an insured to use all reasonable means to save and preserve property from j. Rain, snow, ice or sleet to personal property further damage at and after the time of loss. in the open. 3. We will not pay for loss or damage caused by or k. Collapse, including any of the following condi- resulting from any of the following, 3.a. through tions of property or any part of the property: 3.c. But if an excluded cause of loss that is listed in 3.a. through 3.c. results in a Covered Cause of (1) An abrupt falling down or caving in; Loss, we will pay for the loss or damage caused by that Covered Cause of Loss. (2) Loss of structural integrity, including sep- aration of parts of the property or property a. Weather conditions. But this exclusion only in danger of falling down or caving in; or applies if weather conditions contribute in any way with a cause or event excluded in Par- (3) Any cracking, bulging, sagging, bending, agraph 1. above to produce the loss or leaning, settling, shrinkage or expansion damage. as such condition relates to (1) or (2) above. b. Acts or decisions, including the failure to act or decide, of any person, group, organization But if collapse results in a Covered Cause of or governmental body. Loss at the described premises, we will pay for the loss or damage caused by that Cov- c. Faulty, inadequate or defective: ered Cause of Loss. (1) Planning, zoning, development, survey- This exclusion, k., does not apply: ing, siting; (a) To the extent that coverage is pro- (2) Design, specifications, workmanship, re- vided under the Additional Coverage pair, construction, renovation, remodel- -Collapse; or ing, grading, compaction; (b) To collapse caused by one or more of (3) Materials used in repair, construction, the following: renovation or remodeling; or (i) The "specified causes of loss"; (4) Maintenance; CP 10 30 06 07 © ISO Properties, Inc., 2007 Page 4 of 10 Insured of part or all of any property on or off the (4) Any Extra Expense caused by or resulting described premises. from suspension, lapse or cancellation of any license, lease or contract beyond the 4. Special Exclusions "period of restoration". The following provisions apply only to the sped- (5) Any other consequential loss. fied Coverage Forms. b. Leasehold Interest Coverage Form a. Business Income (And Extra Expense) Coverage Form, Business Income (With- (1) Paragraph B.1.a., Ordinance Or Law, out Extra Expense) Coverage Form, Or does not apply to insurance under this Extra Expense Coverage Form Coverage Form. We will not pay for: (2) We will not pay for any loss caused by: (1) Any loss caused by or resulting from: (a) Your cancelling the lease; (a) Damage or destruction of "finished (b) The suspension, lapse or cancellation stock"; or of any license; or (b) The time required to reproduce (c) Any other consequential loss. "finished stock". c. Legal Liability Coverage Form This exclusion does not apply to Extra Expense. (1) The following exclusions do not apply to insurance under this Coverage Form: (2) Any loss caused by or resulting from direct physical loss or damage to radio or (a) Paragraph B.1.a., Ordinance Or Law; television antennas (including satellite dishes) and their lead-in wiring, masts or towers. (b) Paragraph B.1.c., Governmental Action; (3) Any increase of loss caused by or resulting from: (c) Paragraph B.1.d., Nuclear Hazard; (a) Delay in rebuilding, repairing or (d) Paragraph B.1.e., Utility Services; replacing the property or resuming and "operations", due to interference at the location of the rebuilding, repair or (e) Paragraph B.1.f., War And Military replacement by strikers or other Action. persons; or (2) The following additional exclusions apply (b) Suspension, lapse or cancellation of to insurance under this Coverage Form: any license, lease or contract. But if the suspension, lapse or cancellation (a) Contractual Liability is directly caused by the "suspension" of "operations", we will cover such We will not defend any claim or"suit", loss that affects your Business In- or pay damages that you are legally come during the•"period of restora- liable to pay, solely by reason of your tion" and any extension of the "period assumption of liability in a contract or of restoration" in accordance with the agreement. But this exclusion does terms of the Extended Business not apply to a written lease agree- Income Additional Coverage and the ment in which you have assumed Extended Period Of Indemnity liability for building damage resulting Optional Coverage or any variation of from an actual or attempted burglary these. or robbery, provided that: CP 10 30 06 07 © ISO Properties, Inc., 2007 Page 5 of 10 Insured (i) Your assumption of liability was b. Hot water boilers or other water heating executed prior to the accident; equipment caused by or resulting from any and condition or event inside such boilers or equipment, other than an explosion. (ii) The building is Covered Property under this Coverage Form. c. The interior of any building or structure, or to personal property in the building or structure, (b) Nuclear Hazard caused by or resulting from rain, snow, sleet, ice, sand or dust, whether driven by wind or We will not defend any claim or"suit", not, unless: or pay any damages, loss, expense or obligation, resulting from nuclear (1) The building or structure first sustains reaction or radiation, or radioactive damage by a Covered Cause of Loss to contamination, however caused. its roof or walls through which the rain, snow, sleet, ice, sand or dust enters; or 5. Additional Exclusion (2) The loss or damage is caused by or The following provisions apply only to the speci- results from thawing of snow, sleet or ice fled property. on the building or structure. LOSS OR DAMAGE TO PRODUCTS d. Building materials and supplies not attached We will not pay for loss or damage to any as part of the building or structure, caused by or resulting from theft. merchandise, goods or other product caused by or resulting from error or omission by any person However, this limitation does not apply to: or entity(including those having possession under an arrangement where work or a portion of the (1) Building materials and supplies held for work is outsourced) in any stage of the develop- sale by you, unless they are insured un- ment, production or use of the product, including der the Builders Risk Coverage Form; or planning, testing, processing, packaging, installa- tion, maintenance or repair. This exclusion ap- (2) Business Income Coverage or Extra plies to any effect that compromises the form, Expense Coverage. substance or quality of the product. But if such error or omission results in a Covered Cause of e. Property that is missing, where the only evi- Loss, we will pay for the loss or damage caused by that Covered Cause of Loss. dence of the loss or damage is a shortage disclosed on taking inventory, or other in- C. Limitations stances where there is no physical evidence to show what happened to the property. The following limitations apply to all policy forms and endorsements, unless otherwise stated. f. Property that has been transferred to a per- son or to a place outside the described prem- 1. We will not pay for loss of or damage to property, ises on the basis of unauthorized instructions. as described and limited in this section. In addi- tion, we will not pay for any loss that is a conse- 2. We will not pay for loss of or damage to the fol- quence of loss or damage as described and lowing types of property unless caused by the limited in this section. "specified causes of loss" or building glass breakage: a. Steam boilers, steam pipes, steam engines or steam turbines caused by or resulting from a. Animals, and then only if they are killed or any condition or event inside such equipment. their destruction is made necessary. But we will pay for loss of or damage to such equipment caused by or resulting from an b. Fragile articles such as statuary, marbles, explosion of gases or fuel within the furnace chinaware and porcelains, if broken. This of any fired vessel or within the flues or pas- restriction does not apply to: sages through which the gases of combustion pass. (1) Glass; or CP 10 30 06 07 © ISO Properties, Inc., 2007 Page 6 of 10 Insured (2) Containers of property held for sale. However, this limitation does not apply to Busi- ness Income Coverage or to Extra Expense c. Builders' machinery, tools and equipment Coverage. owned by you or entrusted to you, provided such property is Covered Property. D. Additional Coverage—Collapse However, this limitation does not apply: The coverage provided under this Additional Cover- age — Collapse applies only to an abrupt collapse as (1) If the property is located on or within 100 described and limited in D.1.through D.7.. feet of the described premises, unless the premises is insured under the Builders 1. For the purpose of this Additional Coverage — Risk Coverage Form; or Collapse, abrupt collapse means an abrupt falling (2) To Business Income Coverage or to Extra down or caving in of a building or any part of a Expense Coverage. building with the result that the building or part of the building cannot be occupied for its intended 3. The special limit shown for each category, a. purpose. through d., is the total limit for loss of or damage to all property in that category. The special limit 2. We will pay for direct physical loss or damage to applies to any one occurrence of theft, regardless Covered Property, caused by abrupt collapse of a of the types or number of articles that are lost or building or any part of a building that is insured damaged in that occurrence. The special limits under this Coverage Form or that contains Cov- are: ered Property insured under this Coverage Form, if such collapse is caused by one or more of the a. $2,500 for furs, fur garments and garments following: trimmed with fur. a. Building decay that is hidden from view, b. $2,500 for jewelry, watches, watch move- unless the presence of such decay is known ments, jewels, pearls, precious and semi- to an insured prior to collapse; precious stones, bullion, gold, silver, platinum and other precious alloys or metals. This limit b. Insect or vermin damage that is hidden from does not apply to jewelry and watches worth $100 or less per item. view, unless the presence of such damage is known to an insured prior to collapse; c. $2,500 for patterns, dies, molds and forms. c. Use of defective material or methods in con- d. $250 for stamps, tickets, including lottery struction, remodeling or renovation if the tickets held for sale, and letters of credit. abrupt collapse occurs during the course of the construction, remodeling or renovation. These special limits are part of, not in addition to, the Limit of Insurance applicable to the Covered d. Use of defective material or methods in con- Property. struction, remodeling or renovation if the abrupt collapse occurs after the construction, This limitation, C.3., does not apply to Business remodeling or renovation is complete, but Income Coverage or to Extra Expense Coverage. only if the collapse is caused in part by: 4. We will not pay the cost to repair any defect to a (1) A cause of loss listed in 2.a. or 2.b.; system or appliance from which water, other liquid, powder or molten material escapes. But we (2) One or more of the "specified causes of will pay the cost to repair or replace damaged loss"; parts of fire-extinguishing equipment if the damage: (3) Breakage of building glass; a. Results in discharge of any substance from an automatic fire protection system; or (4) Weight of people or personal property; or b. Is directly caused by freezing. (5) Weight of rain that collects on a roof. CP 10 30 06 07 © ISO Properties, Inc., 2007 Page 7 of 10 Insured 3. This Additional Coverage — Collapse does not b. The personal property which collapses is apply to: inside a building; and a. A building or any part of a building that is in c. The property which collapses is not of a kind danger of falling down or caving in; listed in 4., regardless of whether that kind of property is considered to be personal property b. A part of a building that is standing, even if it or real property. has separated from another part of the build- ing; or The coverage stated in this Paragraph 5. does not apply to personal property if marring and/or c. A building that is standing or any part of a scratching is the only damage to that personal building that is standing, even if it shows evi- property caused by the collapse. dence of cracking, bulging, sagging, bending, leaning, settling, shrinkage or expansion. 6. This Additional Coverage — Collapse does not apply to personal property that has not abruptly 4. With respect to the following property: fallen down or caved in, even if the personal property shows evidence of cracking, bulging, a. Outdoor radio or television antennas (includ- sagging, bending, leaning, settling, shrinkage or ing satellite dishes) and their lead-in wiring, expansion. masts or towers; 7. This Additional Coverage — Collapse will not increase the Limits of Insurance provided in this b. Awnings, gutters and downspouts; Coverage Part. c. Yard fixtures; 8. The term Covered Cause of Loss includes the Additional Coverage — Collapse as described and d. Outdoor swimming pools; limited in D.1. through D.7.. e. Fences; E. Additional Coverage — Limited Coverage For "Fungus",Wet Rot, Dry Rot And Bacteria f. Piers, wharves and docks; 1. The coverage described in E.2. and E.6. only ap- g. Beach or diving platforms or appurtenances; plies when the "fungus", wet or dry rot or bacteria is the result of one or more of the following h. Retaining walls; and causes that occurs during the policy period and only if all reasonable means were used to save I. Walks, roadways and other paved surfaces; and preserve the property from further damage at the time of and after that occurrence. if an abrupt collapse is caused by a cause of loss listed in 2.a. through 2.d., we will pay for loss or a. A "specified cause of loss" other than fire or damage to that property only if: lightning; or (1) Such loss or damage is a direct result of b. Flood, if the Flood Coverage Endorsement the abrupt collapse of a building insured applies to the affected premises. under this Coverage Form; and 2. We will pay for loss or damage by "fungus", wet (2) The property is Covered Property under or dry rot or bacteria. As used in this Limited Cov- this Coverage Form. erage, the term loss or damage means: 5. If personal property abruptly falls down or caves a. Direct physical loss or damage to Covered Property caused by "fungus", wet or dry rot or in and such collapse is not the result of abrupt bacteria, including the cost of removal of the collapse of a building, we will pay for loss or "fungus", wet or dry rot or bacteria; damage to Covered Property caused by such collapse of personal property only if: b. The cost to tear out and replace any part of the building or other property as needed to a. The collapse of personal property was caused gain access to the "fungus", wet or dry rot or by a cause of loss listed in 2.a. through 2.d.; bacteria; and CP 10 30 06 07 © ISO Properties, Inc., 2007 Page 8 of 10 Insured c. The cost of testing performed after removal, or dry rot or bacteria, then our payment under repair, replacement or restoration of the dam- Business Income and/or Extra Expense is aged property is completed, provided there is limited to the amount of loss and/or expense a reason to believe that "fungus", wet or dry sustained in a period of not more than 30 rot or bacteria are present. days. The days need not be consecutive. 3. The coverage described under E.2. of this Limited b. If a covered "suspension" of"operations" was Coverage is limited to $15,000. Regardless of the caused by loss or damage other than "fun- number of claims, this limit is the most we will pay gus", wet or dry rot or bacteria but remedi- for the total of all loss or damage arising out of all ation of "fungus", wet or dry rot or bacteria occurrences of "specified causes of loss" (other prolongs the "period of restoration", we will than fire or lightning) and Flood which take place pay for loss and/or expense sustained during in a 12-month period (starting with the beginning the delay (regardless of when such a delay of the present annual policy period). With respect occurs during the "period of restoration"), but to a particular occurrence of loss which results in such coverage is limited to 30 days. The days "fungus", wet or dry rot or bacteria, we will not pay need not be consecutive. more than a total of$15,000 even if the "fungus", wet or dry rot or bacteria continues to be present F. Additional Coverage Extensions or active, or recurs, in a later policy period. 1. Property In Transit 4. The coverage provided under this Limited Cover- age does not increase the applicable Limit of This Extension applies only to your personal prop- Insurance on any Covered Property. If a particular erty to which this form applies. occurrence results in loss or damage by "fungus", wet or dry rot or bacteria, and other loss or a. You may extend the insurance provided by damage, we will not pay more, for the total of all this Coverage Part to apply to your personal loss or damage, than the applicable Limit of property (other than property in the care, Insurance on the affected Covered Property. custody or control of your salespersons) in transit more than 100 feet from the described If there is covered loss or damage to Covered premises. Property must be in or on a motor Property, not caused by"fungus", wet or dry rot or vehicle you own, lease or operate while bacteria, loss payment will not be limited by the between points in the coverage territory. terms of this Limited Coverage, except to the extent that "fungus", wet or dry rot or bacteria b. Loss or damage must be caused by or result causes an increase in the loss. Any such increase from one of the following causes of loss: in the loss will be subject to the terms of this Limited Coverage. (1) Fire, lightning, explosion, windstorm or hail, riot or civil commotion, or vandalism. 5. The terms of this Limited Coverage do not in- crease or reduce the coverage provided under (2) Vehicle collision, upset or overturn. Colli- Paragraph F.2. (Water Damage, Other Liquids, sion means accidental contact of your Powder Or Molten Material Damage) of this vehicle with another vehicle or object. It Causes Of Loss Form or under the Additional does not mean your vehicle's contact with Coverage—Collapse. the roadbed. 6. The following, 6.a. or 6.b., applies only if Busi- (3) Theft of an entire bale, case or package ness Income and/or Extra Expense Coverage by forced entry into a securely locked applies to the described premises and only if the body or compartment of the vehicle. "suspension" of "operations" satisfies all terms There must be visible marks of the forced and conditions of the applicable Business Income entry. and/or Extra Expense Coverage Form. c. The most we will pay for loss or damage a. If the loss which resulted in "fungus", wet or under this Extension is$5,000. dry rot or bacteria does not in itself necessi- tate a "suspension" of "operations", but such This Coverage Extension is additional insurance. "suspension" is necessary due to loss or The Additional Condition, Coinsurance, does not damage to property caused by "fungus", wet apply to this Extension. CP 10 30 06 07 © ISO Properties, Inc., 2007 Page 9 of 10 Insured 2. Water Damage, Other Liquids, Powder Or 2. "Specified causes of loss" means the following: Molten Material Damage fire; lightning; explosion; windstorm or hail; smoke; aircraft or vehicles; riot or civil commotion; If loss or damage caused by or resulting from vandalism; leakage from fire-extinguishing equip- covered water or other liquid, powder or molten ment; sinkhole collapse; volcanic action; falling material damage loss occurs, we will also pay the objects; weight of snow, ice or sleet; water cost to tear out and replace any part of the damage. building or structure to repair damage to the system or appliance from which the water or other a. Sinkhole collapse means the sudden sinking substance escapes. This Coverage Extension or collapse of land into underground empty does not increase the Limit of Insurance. spaces created by the action of water on limestone or dolomite. This cause of loss 3. Glass does not include: a. We will pay for expenses incurred to put up (1) The cost of filling sinkholes; or temporary plates or board up openings if repair or replacement of damaged glass is (2) Sinking or collapse of land into delayed. man-made underground cavities. b. We will pay for expenses incurred to remove b. Falling objects does not include loss or or replace obstructions when repairing or damage to: replacing glass that is part of a building. This does not include removing or replacing (1) Personal property in the open; or window displays. (2) The interior of a building or structure, or This Coverage Extension, F.3., does not increase property inside a building or structure, the Limit of Insurance. unless the roof or an outside wall of the building or structure is first damaged by a G. Definitions falling object. 1. "Fungus" means any type or form of fungus, c. Water damage means accidental discharge or including mold or mildew, and any mycotoxins, leakage of water or steam as the direct result spores, scents or by-products produced or of the breaking apart or cracking of a plumb- released by fungi. ing, heating, air conditioning or other system or appliance (other than a sump system in- cluding its related equipment and parts), that is located on the described premises and contains water or steam. CP 10 30 06 07 © ISO Properties, Inc., 2007 Page 10 of 10 Insured Policy Number: MPC0602111 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EQUIPMENT BREAKDOWN COVERAGE ENDORSEMENT This endorsement modifies insurance provided under the following: BUILDING AND PERSONAL PROPERTY COVERAGE FORM CAUSES OF LOSS- BASIC FORM CAUSES OF LOSS- BROAD FORM CAUSES OF LOSS-SPECIAL FORM A. The following is added as an Additional Coverage to the Causes of Loss-Basic Form, Broad Form or Special Form. Additional Coverage -Equipment Breakdown The term Covered Cause of Loss includes the Additional Coverage Equipment Breakdown as described and limited below. 1. We will pay for direct physical damage to Covered Property that is the direct result of an "accident." As used in this Additional Coverage, "accident" means a fortuitous event that causes direct physical damage to "covered equipment."The event must be one of the following: a. mechanical breakdown, including rupture or bursting caused by centrifugal force; b. artificially generated electrical current, including electric arcing, that disturbs electrical devices, appliances or wires; c. explosion of steam boilers, steam pipes, steam engines or steam turbines owned or leased by you, or operated under your control; d. loss or damage to steam boilers, steam pipes, steam engines or steam turbines caused by or resulting from any condition or event inside such equipment; or e. loss or damage to hot water boilers or other water heating equipment caused by or resulting from any condition or event inside such boilers or equipment. 2. Unless otherwise shown in an Equipment Breakdown Supplemental Declarations, the following coverages also apply to the direct result of an "accident."These coverages do not provide additional amounts of insurance. a. Expediting Expenses With respect to your damaged Covered Property, we will pay the reasonable extra cost to: (1) make temporary repairs; and (2) expedite permanent repairs or permanent replacement. The most we will pay for loss or expense under this coverage is $100,000 unless otherwise shown in an Equipment Breakdown Supplemental Declarations. b. Hazardous Substances We will pay for the additional cost to repair or replace Covered Property because of contamination by a "hazardous substance."This includes the additional expenses to clean up or dispose of such property. CPR 2270 (05/10) Includes copyrighted material of Insurance Services Office, Inc.,with its permission. Page 1 of 7 Insured This does not include contamination of "perishable goods" by refrigerant, including but not limited to ammonia, which is addressed in 2.c.(1)(b) below. As used in this coverage, additional costs mean those beyond what would have been payable under this Equipment Breakdown Coverage had no "hazardous substance" been involved. The most we will pay for loss, damage or expense under this coverage, including actual loss of Business Income you sustain and necessary Extra Expense you incur, if shown as covered, is $100,000 unless otherwise shown in an Equipment Breakdown Supplemental Declarations. c. Spoilage (1) We will pay: (a) for physical damage to "perishable goods"due to spoilage; (b) for physical damage to "perishable goods" due to contamination from the release of refrigerant, including but not limited to ammonia; (c) any necessary expenses you incur to reduce the amount of loss under this coverage to the extent that they do not exceed the amount of loss that otherwise would have been payable under this coverage. (2) If you are unable to replace the "perishable goods" before its anticipated sale, the amount of our payment will be determined on the basis of the sales price of the "perishable goods" at the time of the "accident," less discounts and expenses you otherwise would have had. Otherwise our payment will be determined in accordance with the Valuation condition. The most we will pay for loss, damage or expense under this coverage is $100,000 unless otherwise shown in an Equipment Breakdown Supplemental Declarations. d. Data Restoration We will pay for your reasonable and necessary cost to research, replace and restore lost"data." The most we will pay for loss or expense under this coverage, including actual loss of Business Income you sustain and necessary Extra Expense you incur, if shown as covered, is $100,000 unless otherwise shown in an Equipment Breakdown Supplemental Declarations. e. Service Interruption (1) Any insurance provided for Business Income, Extra Expense or Spoilage is extended to apply to your loss, damage or expense caused by the interruption of utility services. The interruption must result from an "accident" to equipment, including overhead transmission lines, that is owned by a utility, landlord, a landlord's utility or other supplier who provides you with any of the following services: electrical power, waste disposal, air conditioning, refrigeration, heating, natural gas, compressed air, water, steam, internet access, telecommunications services, wide area networks or data transmission. The equipment must meet the definition of"covered equipment"except that it is not Covered Property. (2) We will not pay for any loss of Business Income you sustain that results from the interruption of utility services during the first 24 hours following the "accident." However, if a deductible is shown in an Equipment Breakdown Supplemental Declarations as provided for in paragraph B.1. below, or if the "period of restoration" begins more than 24 hours after the time of the direct physical damage for Business Income, then that deductible or time period will apply instead of the 24 hours provided for in this paragraph. (3) The most we will pay in any "one accident" for loss, damage or expense under this coverage is the applicable limit for Business Income, Extra Expense or Spoilage, except that if a limit is shown in an Equipment Breakdown Supplemental Declarations for Service Interruption, that limit will apply to Business Income and Extra Expense loss under this coverage. CPR 2270 (05/10) Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 2 of 7 Insured f. Business Income and Extra Expense Any insurance provided under this coverage part for Business Income or Extra Expense is extended to the coverage provided by this endorsement. However, if a deductible is shown in an Equipment Breakdown Supplemental Declarations, then as respects Equipment Breakdown coverage, the "period of restoration" will begin immediately after the "accident," and the deductible shown in the Equipment Breakdown Supplemental Declarations will apply. The most we will pay for loss or expense under this coverage is the applicable limit for Business Income and Extra Expense, unless otherwise shown in an Equipment Breakdown Supplemental Declarations. 3. EXCLUSIONS All exclusions in the Causes of Loss form apply except as modified below and to the extent that coverage is specifically provided by this Additional Coverage Equipment Breakdown. a. The following exclusions are modified: (1) If the Causes of Loss - Basic Form or Causes of Loss - Broad Form applies, the following is added to Exclusion B.2.: Depletion, deterioration, corrosion, erosion, wear and tear, or other gradually developing conditions. However, if an "accident" results, we will pay for the resulting loss, damage or expense caused by that "accident." (2) If the Causes of Loss - Special Form applies, as respects this endorsement only, the last paragraph of Exclusion B.2.d. is deleted and replaced with the following: But if an excluded cause of loss that is listed in 2.d.(1) through (7) results in an "accident,"we will pay for the loss, damage or expense caused by that"accident." b. The following exclusions are added: (1) We will not pay for loss, damage or expense caused by or resulting from: (a) a hydrostatic, pneumatic or gas pressure test of any boiler or pressure vessel, or an electrical insulation breakdown test of any type of electrical equipment; or (b) any of the following: (i) defect, programming error, programming limitation, computer virus, malicious code, loss of"data," loss of access, loss of use, loss of functionality or other condition within or involving "data" or "media" of any kind; or (ii) misalignment, miscalibration, tripping off-line, or any condition which can be corrected by resetting, tightening, adjusting or cleaning, or by the performance of maintenance. However, if an "accident" results, we will pay for the resulting loss, damage or expense caused by that"accident." (2) With respect to Service Interruption coverage, we will also not pay for an "accident" caused by or resulting from: fire; lightning; windstorm or hail; explosion (except as specifically provided in A.1.c. above); smoke; aircraft or vehicles; riot or civil commotion; vandalism; sprinkler leakage; falling objects; weight of snow, ice or sleet; freezing; collapse; flood or earth movement. (3) With respect to Business Income, Extra Expense and Service Interruption coverages, we will also not pay for any increase in loss resulting from an agreement between you and your customer or supplier. CPR 2270 (05/10) Includes copyrighted material of Insurance Services Office, Inc.,with its permission. Page 3 of 7 Insured (4) We will not pay for loss, damage or expense caused directly or indirectly by the following, whether or not caused by or resulting from an "accident": Any mold, fungus, mildew or yeast, including any spores or toxins produced by or emanating from such mold, fungus, mildew or yeast. This includes, but is not limited to, costs arising from clean up, removal, or abatement of such mold, fungus, mildew or yeast, spores or toxins. However, this exclusion does not apply to spoilage of personal property that is "perishable goods,"to the extent that spoilage is covered under Spoilage coverage. (5) We will not pay for any loss or damage to animals. 4. DEFINITIONS The following definitions are added: a. `Boilers and vessels" means: (1) Any boiler, including attached steam, condensate and feedwater piping; and (2) Any fired or unfired pressure vessel subject to vacuum or internal pressure other than the static pressure of its contents. This term does not appear elsewhere in this endorsement, but may appear in an Equipment Breakdown Supplemental Declarations. b. "Covered equipment" (1) "Covered equipment" means, unless otherwise specified in an Equipment Breakdown Supplemental Declarations, Covered Property: (a) that generates, transmits or utilizes energy, including electronic communications and data processing equipment; or (b) which, during normal usage, operates under vacuum or pressure, other than the weight of its contents. (2) None of the following is"covered equipment": (a) structure, foundation, cabinet, compartment or air supported structure or building; (b) insulating or refractory material; (c) sewer piping, buried vessels or piping, or piping forming a part of a sprinkler or fire suppression system; (d) water piping other than boiler feedwater piping, boiler condensate return piping or water piping forming a part of a refrigerating or air conditioning system; (e) "vehicle"or any equipment mounted on a "vehicle"; (f) satellite, spacecraft or any equipment mounted on a satellite or spacecraft; (g) dragline, excavation or construction equipment; or (h) equipment manufactured by you for sale. c. "Data"means information or instructions stored in digital code capable of being processed by machinery. d. "Hazardous substance" means any substance that is hazardous to health or has been declared to be hazardous to health by a governmental agency. e. "Media" means material on which "data" is recorded, such as magnetic tapes, hard disks, optical disks or floppy disks. CPR 2270 (05/10) Includes copyrighted material of Insurance Services Office, Inc.,with its permission. Page 4 of 7 Insured f. "One accident" means: If an initial "accident" causes other "accidents," all will be considered "one accident." All "accidents"that are the result of the same event will be considered "one accident." g. "Perishable goods" means personal property maintained under controlled conditions for its preservation, and susceptible to loss or damage if the controlled conditions change. h. "Production machinery" means any machine or apparatus that processes or produces a product intended for eventual sale. However, "production machinery" does not mean any fired or unfired pressure vessel other than a cylinder containing a movable plunger or piston. This term does not appear elsewhere in this endorsement, but may appear in an Equipment Breakdown Supplemental Declarations. i. "Vehicle" means, as respects this endorsement only, any machine or apparatus that is used for transportation or moves under its own power. "Vehicle" includes, but is not limited to, car, truck, bus, trailer, train, aircraft, watercraft, forklift, bulldozer, tractor or harvester. However, any property that is stationary, permanently installed at a covered location and that receives electrical power from an external power source will not be considered a"vehicle." B. The Building and Personal Property Coverage Form is modified as follows. The definitions stated above also apply to section B. of this endorsement. 1. DEDUCTIBLE The deductible in the Declarations applies unless a separate Equipment Breakdown deductible is shown in an Equipment Breakdown Supplemental Declarations. If a separate Equipment Breakdown deductible is shown, the following applies. Only as regards Equipment Breakdown Coverage, provision D. DEDUCTIBLE is deleted and replaced with the following: a. Deductibles for Each Coverage (1) Unless the Equipment Breakdown Supplemental Declarations indicates that your deductible is combined for all coverages, multiple deductibles may apply to any"one accident." (2) We will not pay for loss, damage or expense under any coverage until the amount of the covered loss, damage or expense exceeds the deductible amount indicated for that coverage in the Equipment Breakdown Supplemental Declarations. We will then pay the amount of loss, damage or expense in excess of the applicable deductible amount, subject to the applicable limit. (3) If deductibles vary by type of "covered equipment" and more than one type of "covered equipment" is involved in any"one accident,"only the highest deductible for each coverage will apply. b. Direct and Indirect Coverages (1) Direct Coverages Deductibles and Indirect Coverages Deductibles may be indicated in the Equipment Breakdown Supplemental Declarations. (2) Unless more specifically indicated in the Equipment Breakdown Supplemental Declarations: (a) Indirect Coverages Deductibles apply to Business Income and Extra Expense loss; and (b) Direct Coverages Deductibles apply to all remaining loss, damage or expense covered by this endorsement. CPR 2270 (05/10). Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 5 of 7 Insured c. Application of Deductibles (1) Dollar Deductibles We will not pay for loss, damage or expense resulting from any "one accident" until the amount of loss, damage or expense exceeds the applicable Deductible shown in the Equipment Breakdown Supplemental Declarations. We will then pay the amount of loss, damage or expense in excess of the applicable Deductible or Deductibles, up to the applicable Limit of Insurance. (2) Time Deductible If a time deductible is shown in the Equipment Breakdown Supplemental Declarations, we will not be liable for any loss occurring during the specified number of hours or days immediately following the "accident." If a time deductible is expressed in days, each day shall mean twenty-four consecutive hours. (3) Multiple of Average Daily Value (ADV) If a deductible is expressed as a number times ADV, that amount will be calculated as follows: The ADV (Average Daily Value) will be the Business Income (as defined in any Business Income coverage that is part of this policy) that would have been earned during the period of interruption of business had no "accident" occurred, divided by the number of working days in that period. No reduction shall be made for the Business Income not being earned, or in the number of working days, because of the "accident" or any other scheduled or unscheduled shutdowns during the period of interruption. The ADV applies to the Business Income value of the entire location, whether or not the loss affects the entire location. If more than one location is included in the valuation of the loss, the ADV will be the combined value of all affected locations. For purposes of this calculation, the period of interruption may not extend beyond the"period of restoration." The number indicated in the Equipment Breakdown Supplemental Declarations will be multiplied by the ADV as determined above. The result shall be used as the applicable deductible. (4) Percentage of Loss Deductibles If a deductible is expressed as a percentage of loss, we will not be liable for the indicated percentage of the gross amount of loss, damage or expense (prior to any applicable deductible or coinsurance) insured under the applicable coverage. If the dollar amount of such percentage is less than the indicated minimum deductible, the minimum deductible will be the applicable deductible. 2. CONDITIONS The following conditions are in addition to the Conditions in the Building and Personal Property Coverage Form, the Commercial Property Conditions and the Common Policy Conditions. a. Suspension Whenever "covered equipment" is found to be in, or exposed to, a dangerous condition, any of our representatives may immediately suspend the insurance against loss from an "accident" to that "covered equipment."This can be done by mailing or delivering a written notice of suspension to: (1) your last known address; or (2) the address where the"covered equipment"is located. Once suspended in this way, your insurance can be reinstated only by an endorsement for that "covered equipment." If we suspend your insurance, you will get a pro rata refund of premium for that "covered equipment"for the period of suspension. But the suspension will be effective even if we have not yet made or offered a refund. CPR 2270 (05/10) Includes copyrighted material of Insurance Services Office, Inc.,with its permission. Page 6 of 7 Insured b. Jurisdictional Inspections If any property that is"covered equipment"under this endorsement requires inspection to comply with state or municipal boiler and pressure vessel regulations, we agree to perform such inspection on your behalf. We do not warrant that conditions are safe or healthful. c. Environmental, Safety and Efficiency Improvements If"covered equipment" requires replacement due to an "accident," we will pay your additional cost to replace with equipment that is better for the environment, safer or more efficient than the equipment being replaced. However, we will not pay more than 125% of what the cost would have been to replace with like kind and quality. This condition does not increase any of the applicable limits. This condition does not apply to any property to which Actual Cash Value applies. d. Coinsurance If a coinsurance percentage is shown in an Equipment Breakdown Supplemental Declarations for specified coverages, the following condition applies. We will not pay for the full amount of your loss if the applicable limit is less than the product of the specified coinsurance percentage times the value of the property subject to the coverage at the time of the loss. Instead, we will determine what percentage this calculated product is compared to the applicable limit and apply that percentage to the gross amount of loss. We will then subtract the applicable deductible. The resulting amount, or the applicable limit, is the most we will pay. We will not pay for the remainder of the loss. Coinsurance applies separately to each insured location. The most we will pay for loss, damage or expense under this endorsement arising from any"one accident" or any one occurrence is the applicable Limit of Insurance in the Declarations unless otherwise shown in an Equipment Breakdown Supplemental Declarations. Coverage provided under this endorsement does not provide an additional amount of insurance. ALL OTHER TERMS AND CONDITIONS OF THIS POLICY REMAIN UNCHANGED. CPR 2270 (05/10) Includes copyrighted material of Insurance Services Office, Inc.,with its permission. Page 7 of 7 Insured Policy Number: MPC0602111 COMMERCIAL PROPERTY CONDITIONS This Coverage Part is subject to the following conditions, the Common Policy Conditions and applicable Loss Conditions and Additional Conditions in Commercial Property Coverage Forms. A. CONCEALMENT, MISREPRESENTATION OR E. LIBERALIZATION FRAUD If we adopt any revision that would broaden the This Coverage Part is void in any case of fraud by you coverage under this Coverage Part without additional as it relates to this Coverage Part at any time. It is also premium within 45 days prior to or during the policy void if you or any other insured, at any time, period, the broadened coverage will immediately intentionally conceal or misrepresent a material fact apply to this Coverage Part. concerning: F. NO BENEFIT TO BAILEE 1. This Coverage Part; No person or organization, other than you, having 2. The Covered Property; custody of Covered Property will benefit from this insurance. 3. Your interest in the Covered Property; or G. OTHER INSURANCE 4. A claim under this Coverage Part. 1. You may have other insurance subject to the same plan, terms, conditions and provisions as B. CONTROL OF PROPERTY the insurance under this Coverage Part. If you do, we will pay our share of the covered loss or Any act or neglect of any person other than you damage. Our share is the proportion that the beyond your direction or control will not affect this applicable Limit of Insurance under this Cover- insurance. age Part bears to the Limits of Insurance of all insurance covering on the same basis. The breach of any condition of this Coverage Part at any one or more locations will not affect coverage at 2. If there is other insurance covering the same loss any location where, at the time of loss or damage, the or damage, other than that described in 1. above, breach of condition does not exist. we will pay only for the amount of covered loss or damage in excess of the amount due from that C. INSURANCE UNDER TWO OR MORE other insurance, whether you can collect on it or COVERAGES not. But we will not pay more than the applicable Limit of Insurance. If two or more of this policy's coverages apply to the same loss or damage, we will not pay more than the H. POLICY PERIOD, COVERAGE TERRITORY actual amount of the loss or damage. Under this Coverage Part: D. LEGAL ACTION AGAINST US 1. We cover loss or damage commencing: No one may bring a legal action against us under this a. During the policy period shown in the Decla- Coverage Part unless: rations; and 1. There has been full compliance with all of the b. Within the coverage territory. terms of this Coverage Part; and 2. The coverage territory is: 2. The action is brought within 2 years after the date on which the direct physical loss or damage a. The United States of America (including its occurred. territories and possessions); CP 00 90 07 88 Copyright, ISO Commercial Risk Services, Inc., 1983, 1987 Page 1 of 2 Insured b. Puerto Rico; and 2. After a loss to your Covered Property or Covered Income only if, at time of loss, that party is one of c. Canada. the following: • I. TRANSFER OF RIGHTS OF RECOVERY AGAINST a. Someone insured by this insurance; OTHERS TO US If any person or organization to or for whom we make b. A business firm: payment under this Coverage Part has rights to re- cover damages from another, those rights are trans- (1) Owned or controlled by you; or ferred to us to the extent of our payment. That person or organization must do everything necessary (2) That owns or controls you; or to secure our rights and must do nothing after loss to impair them. But you may waive your rights against c. Your tenant. another party in writing: 1. Prior to a loss to your Covered Property or Cov- eredThis will not restrict your insurance. Income. CP 00 90 07 88 Copyright, ISO Commercial Risk Services, Inc., 1983, 1987 Page 2 of 2 Insured Policy Number: MPC0602111 COMMON POLICY CONDITIONS All Coverage Parts included in this policy are subject to the following conditions. A. CANCELLATION D. INSPECTIONS AND SURVEYS 1. The first Named Insured shown in the Decla- 1. We have the right to: rations may cancel this policy by mailing or deliv- ering to us advance written notice of cancellation. a. Make inspections and surveys at any time; 2. We may cancel this policy by mailing or delivering b. Give you reports on the conditions we find; to the first Named Insured written notice of can- and cellation at least: a. 10 days before the effective date of cancella- c. Recommend changes. tion if we cancel for nonpayment of premium; or 2. We are not obligated to make any inspections, surveys, reports or recommendations and any b. 30 days before the effective date of cancella- such actions we do undertake relate only to insur- tion if we cancel for any other reason. ability and the premiums to be charged.We do not make safety inspections. We do not undertake to 3. We will mail or deliver our notice to the first perform the duty of any person or organization to Named Insured's last mailing address known to provide for the health or safety of workers or the us. public.And we do not warrant that conditions: 4. Notice of cancellation will state the effective date of cancellation. The policy period will end on that a. Are safe or healthful; or date. b. Comply with laws, regulations, codes or 5. If this policy is cancelled, we will send the first standards. Named Insured any premium refund due. If we cancel, the refund will be pro rata. If the first 3. Paragraphs 1. and 2. of this condition apply not Named Insured cancels, the refund may be less only to us, but also to any rating, advisory, rate than pro rata. The cancellation will be effective service or similar organization which makes even if we have not made or offered a refund. insurance inspections, surveys, reports or 6. If notice is mailed, proof of mailing will be suffi- recommendations. cient proof of notice. 4. Paragraph 2. of this condition does not apply to B. CHANGES any inspections, surveys, reports or recommenda- tions we may make relative to certification, under This policy contains all the agreements between you state or municipal statutes, ordinances or regula- and us concerning the insurance afforded. The first tions, of boilers, pressure vessels or elevators. Named Insured shown in the Declarations is author- ized to make changes in the terms of this policy with E. Premiums our consent. This policy's terms can be amended or waived only by endorsement issued by us and made a The first Named Insured shown in the Declarations: part of this policy. C. EXAMINATION OF YOUR BOOKS AND RECORDS 1. Is responsible for the payment of all premiums; and We may examine and audit your books and records as they relate to this policy at any time during the 2. Will be the payee for any return premiums we pay. policy period and up to three years afterward. IL 00 17 11 98 Copyright, Insurance Services Office, Inc., 1998 Page 1 of 2 Insured F. Transfer Of Your Rights And Duties Under This If you die, your rights and duties will be transferred to Policy your legal representative but only while acting within the scope of duties as your legal representative. Until Your rights and duties under this policy may not be your legal representative is appointed, anyone having transferred without our written consent except in the proper temporary custody of your property will have case of death of an individual named insured. your rights and duties but only with respect to that property. • IL 00 17 11 98 Copyright, Insurance Services Office, Inc., 1998 Page 2 of 2 Insured Policy Number: MPC0602111 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DEBRIS REMOVAL ADDITIONAL INSURANCE This endorsement modifies insurance provided under the following: BUILDERS' RISK COVERAGE FORM BUILDING AND PERSONAL PROPERTY COVERAGE FORM CONDOMINIUM ASSOCIATION COVERAGE FORM CONDOMINIUM COMMERCIAL UNIT-OWNERS COVERAGE FORM STANDARD PROPERTY POLICY TOBACCO SALES WAREHOUSES COVERAGE FORM SCHEDULE* Prem. Bldg. Debris Removal Additional No. No. Amount Premium • All All $25,000 Included *Information required to complete this Schedule, if not shown on this endorsement, will be shown in the Declarations. The additional amount of $10,000 for debris removal in the Debris Removal Additional Coverages section is re- placed by the higher amount shown in the Schedule. CP 04 15 10 00 Copyright, Insurance Services Office, Inc., 1999 Page 1 of 1 Insured Policy Number: MPC0602111 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SPOILAGE COVERAGE This endorsement modifies insurance provided under the following: BUILDING AND PERSONAL PROPERTY COVERAGE FORM CONDOMINIUM COMMERCIAL UNIT-OWNERS COVERAGE FORM SCHEDULE Causes Of Loss: Refrigeration Prem. Bldg. Description Of Limit Of Maintenance Breakdown Or Power Selling No. No. Property Insurance Deductible Agreement Contamination Outage Price All All Food and $25,000 $See CPR2218 X Beverage $ $ $ $ $ $ $ $ Information required to complete this Schedule, if not shown in this endorsement,will be shown in the Declarations. The Coverage Form to which this endorsement applies is (1) Change in temperature or humidity result- extended to insure against direct physical loss or damage ing from mechanical breakdown or me- by the Covered Causes of Loss, but only with respect to chanical failure of refrigerating, cooling or coverage provided by this endorsement. humidity control apparatus or equipment, only while such equipment or apparatus is A. Paragraph A.1., Covered Property, is replaced by at the described premises; and the following: (2) Contamination by the refrigerant. 1. Covered Property b. Power Outage, meaning change in tempera- Covered Property means "perishable stock" at the ture or humidity resulting from complete or described premises owned by you or by others partial interruption of electrical power, either that is in your care, custody or control. on or off the described premises, due to conditions beyond your control. B. With respect to the coverage provided by this en- dorsement, property located on buildings or in the D. Selling Price open or in vehicles is considered to be Property Not Covered. If Selling Price is indicated by an "X" in the Schedule, the following is added to the Valuation Loss C. Paragraph A.3., Covered Causes Of Loss, is Condition: replaced by the following: We will determine the value of finished "perishable 3. Covered Causes Of Loss stock" in the event of loss or damage at: Covered Causes of Loss means the following only 1. The selling price, as if no loss or damage had if indicated by an "X" in the Schedule: occurred; a. Breakdown or Contamination, meaning: 2. Less discounts and expenses you otherwise would have had. CP 04 40 06 07 © ISO Properties, Inc., 2006 Page 1 of 2 Insured E. Paragraph A.S., Coverage Extensions, does not G. Paragraph D., Deductible, is replaced by the apply. following: F. Paragraph B., Exclusions, is replaced by the We will not pay for loss or damage in any one occur- following: rence until the amount of loss or damage exceeds the Deductible shown in the Schedule of this endorse- B. Exclusions ment. We will then pay the amount of loss or damage in excess of that Deductible, up to the applicable Limit 1. Only the following Exclusions contained in of Insurance. No other deductible in this policy applies Paragraph B.1. of the Causes of Loss Form to the coverage provided by this endorsement. applicable to this Coverage Part apply to Spoilage Coverage: H. Paragraph F., Additional Conditions, is replaced by the following: a. Earth Movement; ADDITIONAL CONDITION b. Governmental Action; The following condition applies in addition to the Corn- c. Nuclear Hazard; mon Policy Conditions and the Commercial Property Conditions. d. War And Military Action; and REFRIGERATION MAINTENANCE AGREEMENTS e. Water. If Breakdown or Contamination is designated as a 2. The following Exclusions are added: Covered Cause of Loss and a refrigeration mainte- nance agreement is shown as applicable by an "X" in We will not pay for loss or damage caused by the Schedule, the following condition applies: or resulting from: You must maintain a refrigeration maintenance or a. The disconnection of any refrigerating, service agreement. If you voluntarily terminate.this cooling or humidity control system from agreement and do not notify us, the insurance the source of power. provided by this endorsement will be automatically suspended at the involved location. b. The deactivation of electrical power caused by the manipulation of any switch I. Paragraph G., Optional Coverages, does not apply. or other device used to control the flow of electrical power or current. J. The following is added to the Definitions: c. The inability of an Electrical Utility Corn- "Perishable stock"means personal property: pany or other power source to provide sufficient power due to: a. Maintained under controlled conditions for its preservation; and (1) Lack of fuel; or b. Susceptible to loss or damage if the controlled (2) Governmental order. conditions change. d. The 'inability of a power source at the described premises to provide sufficient power due to lack of generating capacity to meet demand. e. Breaking of any glass that is a permanent part of any refrigerating, cooling or humid- ity control unit. CP 04 40 06 07 © ISO Properties, Inc., 2006 Page 2 of 2 Insured Policy Number: MPC0602111 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. OUTDOOR TREES, SHRUBS AND PLANTS This endorsement modifies insurance provided under the following: BUILDERS' RISK COVERAGE FORM BUILDING AND PERSONAL PROPERTY COVERAGE FORM CONDOMINIUM ASSOCIATION COVERAGE FORM CONDOMINIUM COMMERCIAL UNIT-OWNERS COVERAGE FORM STANDARD PROPERTY POLICY SCHEDULE* Limit of Insurance Causes of Prem. Bldg. Each Each Each All Loss Form Vehicle Additional No. No. Tree Shrub Plant Items Applicable Exclusion Premium All All $500 $500 $500 $25,000 X Included * Information required to complete this Schedule, if not shown on this endorsement, will be shown in the Declarations. A. The following is added to Covered Property: We will not pay for loss or damage to outdoor trees, shrubs or plants, caused by or resulting from any of Outdoor trees, shrubs and plants at locations de- the following: scribed in the Schedule. • 1. Dampness or dryness of atmosphere; B. The following is deleted from Property Not Covered: 2. Changes in or extremes of temperature; or "Trees, shrubs or plants" 3. Rain, snow, ice or sleet. C. The most we will pay for loss or damage to covered trees, shrubs and plants in any one occurrence is the E. If the Vehicle Exclusion option is designated in the Limit of Insurance for All Items, subject to the sep- Schedule by an "X,"we will not pay for loss or damage arate limit applicable to Each Tree, Shrub or Plant, caused by vehicles to outdoor trees, shrubs or plants. shown in the Schedule. D. Outdoor trees, shrubs and plants are subject to all ap- plicable provisions of the Causes Of Loss Form indi- cated in the Schedule, as well as to the following exclusions: CP 14 30 10 00 Copyright, Insurance Services Office, Inc., 1999 Page 1 of 1 Insured Policy Number: MPC0602111 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. OUTDOOR SIGNS This endorsement modifies insurance provided under the following: BUILDING AND PERSONAL PROPERTY COVERAGE FORM CONDOMINIUM ASSOCIATION COVERAGE FORM CONDOMINIUM COMMERCIAL UNIT-OWNERS COVERAGE FORM STANDARD PROPERTY POLICY SCHEDULE Premises Number: All Building Number: All Description Of Sign: Construction Of Sign: ❑ Entirely Metal ® Other Limit Of Insurance: $25,000 Coinsurance Percentage: N/A % Additional Premium: $Included Premises Number: Building Number: Description Of Sign: Construction Of Sign: ❑ Entirely Metal ❑ Other Limit Of Insurance: $ Coinsurance Percentage: Additional Premium: $ Premises Number: Building Number: Description Of Sign: Construction Of Sign: ❑ Entirely Metal ❑ Other Limit Of Insurance: $ Coinsurance Percentage: Additional Premium: $ Information required to complete this Schedule, if not shown above,will be shown in the Declarations. With respect to the outdoor signs described in the Sched- ule, the provision in the Limits Of Insurance section which pertains to signs does not apply. The limit applicable to each sign is shown in the Schedule. The limit applicable to each sign is the most we will pay for loss or damage to the sign in any one occurrence. CP 14 40 06 07 © ISO Properties, Inc., 2006 Page 1 of 1 Insured Policy Number: MPC0602111 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AUTOMATIC ACQUISITION ENDORSEMENT A. We will pay for newly acquired property, not otherwise insured, which you acquire or become responsible for if you re- port the value(s)to us within 60 days from the date of acquisition. B. We will not pay: 1. More than the replacement cost of real property (if replacement cost is endorsed to this policy) or the actual cash value of personal property; and, in no event for more than$ 500,000 2. For any property you acquired or became responsible for if it is not reported to us within the 60 days of acquisi- tion; or 3. For any property you acquired or became responsible for before the inception of this policy. 4. More than the Limits of Insurance of the policy to which this endorsement is attached. ALL OTHER TERMS AND CONDITIONS OF THIS POLICY REMAIN UNCHANGED. CPR 2106 (11/07) Page 1 of 1 Insured Policy Number: MPC0602111 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ELECTRONIC DATA PROCESSING ENDORSEMENT 1. LIMITS OF INSURANCE Coverage is only provided under this endorsement for items A. through D. below when a dollar amount is shown beside the coverage part. We will not pay more than the Limits of Insurance specified below in respect to any one occurrence, and in no event will we pay more than the Limits of Insurance of the policy to which this endorsement is attached. A. Hardware: $25,000 B. Software: $Included in above C. Extra Expense: $Not Covered D. Business Interruption: $Not Covered 2. SPECIFIC HARDWARE OR SOFTWARE TO BE EXCLUDED 3. PROPERTY COVERED We will pay for direct physical loss of or damage to covered property caused by a Covered Cause of Loss at the premises described in the Schedule. Covered property, as used in this endorsement, means the type of property described in this section if a Limit of Insurance is shown above for that type of property. A. Hardware, meaning a network of electronic machine components including microprocessors (firmware) capable of accepting instructions and information, processing the information according to the instructions, and producing desired results; computer networks; and peripheral data processing equipment. Such equipment may be owned by you or leased, rented or under your control. Hardware does not include communication systems or protection and control systems. B. Software, meaning electronic data processing, recording or storage software such as films, tapes, cards, discs, drums or cells, and data and programming records used for electronic data processing or electronically controlled equipment, stored on media. C. Extra Expense 1. We will pay the actual and necessary extra expenses you incur during the"period of restoration": a. To continue your"normal" electronic data processing operations that are interrupted due to direct physical loss or damage caused by a Covered Cause of Loss to covered property owned, leased, rented or under your control; while at the described premises; b. To repair, replace, or restore any covered hardware or software, but only to the extent that they reduce the loss otherwise payable under this coverage part. 2. We will not pay under this Extra Expense coverage for: a. More than the actual loss sustained or the amount shown in item 1. LIMITS OF INSURANCE, C. Extra Expense,whichever is less; or b. Loss of profits or earnings resulting from a decrease or reduction of business. CPR 2152F(02/04) Page 1 of 3 Insured D. Business Interruption 1. We will pay for the actual loss of"business income" you incur due to the necessary suspension of your"oper- ations" during the "period of restoration." The suspension must be caused by direct physical loss or damage as a result of a Covered Cause of Loss to covered property at the described premises, including personal property in the open (or in a vehicle)within 100 feet of the described premises. 2. We will only pay for loss of"business income" that occurs within 12 consecutive months after the date of di- rect physical loss or damage. 4. PROPERTY NOT COVERED A. Accounts, bills, money, currency, notes, securities, or other evidences of debt, securities, valuable papers, rec- ords, abstracts, deeds, manuscripts, program documentation or other documents except those that are in soft- ware form, and then only in that form; B. Property rented or leased to others while away from your premises; C. Your stock in trade; and/or D. Any machinery or equipment, other than hardware, whether or not controlled by a data processing system. 5. EXCLUSIONS A. Actual work upon the property covered. B. Error or omission in machine programming or instructions to machine. C. Errors, omissions or deficiencies in design, specifications, materials or workmanship. D. Loss from processing operations. 6. VALUATION A. The value of covered property will be based on the actual cash value at the time of the loss (with a deduction for depreciation). We will not pay more than what it will cost to repair, rebuild or replace the property with other property of like kind and quality. We will also not pay more than the amount shown under item 1. LIMITS OF INSURANCE. B. In determining the amount of loss when extra expense coverage is provided, the following also apply: 1. The salvage value of any property bought for temporary use will be deducted from the amount of loss extra.. expense; and 2. We will not pay for any increase in loss due to your failure to use reasonable efforts to resume all or part of your business. This includes making use of other locations and property to reduce the loss. 7. RESUMPTION OF OPERATIONS As soon as practicable after any loss, you must resume complete or partial business "operations" of the covered property and, as much as practicable, reduce or dispense with the additional charges and expenses that are being incurred. CPR 2152F(02/04) Page 2 of 3 Insured 8. DEFINITIONS A. "Normal" means the conditions that would have existed had no loss occurred. B. "Business income" means: 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. C. "Operations" means your business activities occurring at the described premises. D. "Period of restoration" means the period of time that: 1. Begins with the date of direct physical loss or damage caused by or resulting from any Covered Cause of Loss at the described premises; and 2. Ends on the date when the property at the described premises should be repaired, rebuilt or replaced with reasonable speed and similar quality, or the date when business is resumed at a new permanent location. "Period of restoration" does not include any increased period required due to the enforcement of any ordinance or law that: (a) Regulates the construction, use or repair, or requires the tearing down of any property; or (b) Requires any Insured or others to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to or assess the effects of pollutants. The expiration date of this policy will not cut short the "period of restoration." ALL OTHER TERMS AND CONDITIONS OF THIS POLICY REMAIN UNCHANGED. CPR 2152F(02/04) Page 3 of 3 Insured Policy Number: MPC0602111 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ORDINANCE OR LAW COVERAGE Coverage A, Loss To Undamaged Portion Coverage B, Demolition Coverage C, Increased Cost Of Of Building Limit Of Insurance Cost Limit Of Insurance Construction Limit Of Insurance $Included $See CPR2147 $See CPR2147 These Limits Of Insurance do not increase the Per Occurrence Loss Limit, as stated in the Declarations, and apply to all locations unless specified below: A. Coverage Each Coverage— Coverage A, Coverage B and Coverage C—is provided under this endorsement only if that Cover- age(s) is indicated by entry in the above limits section and then only with respect to the building(s) identified for that Coverage(s). The Coverage(s) provided by this endorsement applies only if both A.1. and A.2. are satisfied and are then subject to the qualifications set forth in A.3. 1. The ordinance or law: a. Regulates the demolition, construction or repair of buildings, or establishes zoning or land use requirements at the described premises; and b. Is in force at the time of loss. But coverage under this endorsement applies only in response to the minimum requirements of the ordinance or law. Losses and costs incurred in complying with recommended actions or standards that exceed actual require- ments are not covered under this endorsement. 2. a. The building sustains direct physical damage that is covered under this policy and as a direct result of such covered damage, you are required to comply with the ordinance or law; or b. The building sustains both direct physical damage that is covered under this policy and direct physical damage that is not covered under this policy, and as a direct result of the building damage in its entirety, you are required to comply with the ordinance or law. c. But if the building sustains direct physical damage that is not covered under this policy, and such damage is the subject of the ordinance or law, then there is no coverage under this endorsement even if the building has also sustained covered direct physical damage. 3. In the situation described in A.2.b. above, we will not pay the full amount of loss otherwise payable under the terms of Coverages A, B, and/or C of this endorsement. Instead, we will pay a proportion of such loss, meaning the proportion that the covered direct physical damage bears to the total direct physical damage. CPR 2161 (11/13) Page 1 of 4 Insured However, if the covered direct physical damage, alone, would have resulted in a requirement to comply with the ordinance or law, then we will pay the full amount of loss otherwise payable under the terms of Coverages A, B and/or C of this endorsement. B. We will not pay under Coverage A, B or C of this endorsement for: 1. Enforcement of or compliance with any ordinance or law which requires the demolition, repair, replacement, reconstruction, remodeling or remediation of property due to contamination by"pollutants" or due to the presence, growth, proliferation, spread or any activity of"fungus", wet or dry rot or bacteria; or 2. The costs associated with the enforcement of or compliance with any ordinance or law which requires any insured or others to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of"pollutants", "fungus", wet or dry rot or bacteria. C. Coverage A—Coverage For Loss To The Undamaged Portion Of The Building. With respect to the building that has sustained covered direct physical damage, we will pay under Coverage A for the loss to the undamaged portion of the building as a consequence of a requirement to comply with an ordinance or law that requires demolition of undamaged parts of the same building. Coverage A is included within the Limit Of Insurance applicable to the covered property shown in the Declara- tions. This is not additional insurance. • D. Coverage B—Demolition Cost Coverage. With respect to the building that has sustained covered direct physical damage, we will pay the cost to demolish and clear the site of undamaged parts of the same building as a consequence of a requirement to comply with an ordinance or law that requires demolition of such undamaged property. Any coinsurance conditions do not apply to Demolition Cost Coverage. E. Coverage C— Increased Cost Of Construction Coverage. With respect to the building that has sustained covered direct physical damage, we will pay the increased cost to: (1) Repair or reconstruct damaged portions of that building caused by a covered peril; and/or (2) Reconstruct or remodel undamaged portions of that building, whether or not demolition is required; when the increased cost is a consequence of a requirement to comply with the minimum standards of the ordinance or law. However: (1) This coverage applies only if the restored or remodeled property is intended for similar occupancy as the current property, unless such occupancy is not permitted.by zoning or land use ordinance or law. (2) We will not pay for the increased cost of construction if the building is not repaired, reconstructed or remodeled. Any coinsurance Conditions do not apply to Increased Cost of Construction. F. Loss Payment 1. All following loss payment provisions, F.2. through F.4., are subject to the apportionment procedures set forth in Section A.3. of this endorsement. CPR 2161 (11/13) Page 2 of 4 Insured 2. When there is a loss to an undamaged portion of a building to which Coverage A applies, the loss payment for that building, including damaged and undamaged portions, will be determined as follows: a. If the Replacement Cost Coverage Option applies and the property is being repaired or replaced, on the same or another premises, we will not pay more than the lesser of: (1) The amount you actually spend to repair, rebuild or reconstruct the building, but not for more than the amount it would cost to restore the building on the same premises and to the same height, floor area, style and comparable quality of the original property insured; or (2) The applicable Loss to Undamaged Portion of Building Limit of Insurance shown above; or (3) The Limit Of Insurance applicable to the covered building or structure; or (4) The values you provided to us for the specific property involved in the loss which were accepted by us prior to the loss. b. If the Replacement Cost Coverage Option applies and the property is not repaired or replaced, or if the Replacement Cost Coverage Option does not apply, we will not pay more than the lesser of: (1) The actual cash value of the building at the time of loss; or (2) The Loss to Undamaged Portion of Building Limit of Insurance shown above; or (3) The Limit Of Insurance shown in the Declarations as applicable to the covered building; or (4) The values you provided to us for the specific property involved in the loss which were accepted by us prior to the loss. 3. We will not pay more under Coverage B— Demolition Cost Coverage than the lesser of the following: a. The amount you actually spend to demolish and clear the site of the described premises; or b. The applicable Demolition Cost Limit of Insurance shown in the Schedule above. 4. Under Coverage C— Increased Cost of Construction Coverage: a. We will not pay: (1) Until the property is actually repaired or replaced, at the same or another premises; and (2) Unless the repairs or replacement are made as soon as reasonably possible after the loss or damage, not to exceed two years. We may extend this period in writing during the two years. b. If the building or structure is repaired or replaced at the same premises, or if you elect to rebuild at another premises, the most we will pay is the lesser of: (1) The increased cost of construction at the same premises; or (2) The applicable Increased Cost of Construction Limit of Insurance shown in the Schedule above. c. If the ordinance or law at the time of loss requires relocation to another premises, the most we will pay is the lesser of: (1) The increased cost of construction at the new premises; or CPR 2161 (11/13) Page 3 of 4 Insured (2) The applicable Increased Cost of Construction Limit of Insurance shown in the Schedule above; or (3) Limit shown in the Declarations. G. Under this endorsement we will not pay for loss due to any ordinance or law that you were required to comply with before the loss, even if the building was undamaged. Ordinance or law violations that exist independent of a covered cause of loss are not covered. H. The terms of this endorsement apply per occurrence and are a part of, and not in addition to, the Per Occurrence Loss ALL OTHER TERMS AND CONDITIONS OF THIS POLICY REMAIN UNCHANGED. CPR 2161 (11/13) Page 4 of 4 Insured Policy Number: MPC0602111 THIS ENDORSEMENT CHANGES THE.POLICY. PLEASE READ IT CAREFULLY. VALUABLE PAPERS AND RECORDS We will pay for direct physical loss of or damage to "Valuable Papers and Records," as defined below and subject to the following provisions: 1. COVERED PROPERTY This extension of coverage applies to "Valuable Papers and Records"while on the "Premises" located at the following locations (except as provided for in paragraph 2.)and is subject to the limit indicated below: A. All "Valuable Papers and Records"not specified in B. below: LOCATION: LIMIT OF LIABILITY: All $25,000 B. Specified Articles: DESCRIPTION OF ARTICLES: LIMIT OF LIABILITY: N/A $N/A 2. DEFINITIONS "Valuable Papers and Records" means written, printed or inscribed documents, manuscripts or records, including books, maps, films, drawings, abstracts, deeds or mortgages. "Valuable Papers and Records" does not mean "money" or "securities," converted data, programs or instructions used in your data processing operations, including the materi- als on which the data is recorded. "Premises" means the interior of that portion of the building at the location(s) designated above that you occupy for your business. "Money" means currency, coins, bullion and bank notes whether or not in current use, as well as travelers checks, registered checks and money orders held for sale to the public. "Securities" means all negotiable and non-negotiable instruments or contracts representing either money or other property and includes revenue and other stamps in current use, tokens and tickets. "Securities" also means evi- dences of debt issued in connection with credit or charge cards, which cards are not of your own issue. "Securities" does not include money. 3. EXCLUSIONS The following exclusions apply to coverage provided by this endorsement and are in addition to exclusions contained elsewhere in this policy: A. This endorsement does not insure against physical loss of or damage to: 1. Property not specifically declared, described and valued in paragraph 1.B. of this endorsement if such prop- erty cannot be replaced with other of like kind and quality or restored to usable conditions; CPR 2170 (03/02) Page 1 of 2 Insured • 2. Property held as samples or for sale or for delivery after sale; or 3. Data processing equipment and media. Media means magnetic tapes, disk packs, diskettes, paper tapes, cards, and other material on which data is stored. It includes data stored on the media. B. This endorsement does not insure against loss resulting from: 1. Errors or omissions in processing or copying; 2. Unauthorized instructions to transfer property to any person or to any place; 3. Voluntary parting with any property by the insured or any associate, proprietor, partner, director, trustee, of- ficer, employee or agent of any insured if induced to do so by any fraudulent scheme, trick, device or false pretense. 4. LIMIT OF INSURANCE We will not pay more than: A. The amount scheduled under paragraph 1.B. of this endorsement; or B. The least of the following if not scheduled under paragraph 1.B. of this endorsement: 1. The cost to research (to the extent necessary) and replace the"Valuable Papers and Records"; or 2. The cost to repair or restore the"Valuable Papers or Records"; or 3. The applicable limit stated in this endorsement. However, we will not, in any case, pay more than the Per Occurrence Loss Limit shown in the Declarations in one disas- ter, casualty, or event, no matter how many locations are involved. ALL OTHER TERMS AND CONDITIONS OF THIS POLICY REMAIN UNCHANGED. CPR 2170 (03/02) Page 2 of 2 Insured Policy Number: MPC0602111 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ACCOUNTS RECEIVABLE We will pay for direct physical loss of or damage to Accounts Receivable, as defined below and subject to the following provisions: 1. COVERAGE A. We will pay: 1. All sums due from your customers that you are unable to collect thereof as the direct result of loss of or dam- age to records of accounts receivable; 2. Interest charges on any loan required to offset amounts you are unable to collect pending our payment of these amounts; 3. Collection expenses in excess of your normal collection expenses that are made necessary by the loss or damage; 4. Other reasonable expenses that you incur to re-establish your records of accounts receivable; That result from direct physical loss of or damage to your records of accounts receivable. B. This extension of coverage applies to records of accounts receivable while on the "premises" at the following lo- cations and is subject to Limit of Insurance indicated below: LOCATION LIMIT OF INSURANCE All $ 25,000 2. PERILS NOT COVERED We will not pay for loss or damage: A. Caused directly or indirectly by bookkeeping, accounting or billing errors or omissions; B. That requires any audit of records or an inventory computation to prove its factual existence; C. Due to alteration, falsification, manipulation, concealment, destruction or disposal of records of accounts receiv- able done to conceal the wrongful giving, taking, obtaining or withholding of money, securities or other property, but only to the extent to such wrongful giving, taking, obtaining or withholding; D. Unauthorized instructions to transfer property to any person or to any place; E. Due to an error or omission in programming; or F. Caused by providing improper data entry instructions. 3. DEFINITION "Premises" means the interior of that portion of the building at the location(s) designated above that you occupy for your business. CPR 2177 (03/02) Page 1 of 2 Insured 4. DETERMINATION OF RECEIVABLES A. If you cannot accurately establish the amount of accounts receivable outstanding as of the time of loss or dam- age, the following method will be used: 1. Determine the total of the average monthly amounts of accounts receivable for the 12 months immediately preceding the month in which the loss or damage occurs; and 2. Adjust that total for any normal fluctuations in the amount of accounts receivable for the month in which the loss or damage occurred or for any demonstrated variance from the average for that month. B. The following will be deducted from the total amount of accounts receivable, however that amount is established: 1. The amount of the accounts for which there is no loss or damage; 2. The amount of the accounts that you are able to re-establish or collect; 3. An amount to allow for probable bad debts that you are normally unable to collect; and 4. All unearned interest and service charges. However, we will not, in any case, pay more than the Per Occurrence Loss Limit shown in the Declarations in one disaster, casualty, or event, no matter how many locations are involved. ALL OTHER TERMS AND CONDITIONS OF THIS POLICY REMAIN UNCHANGED. CPR 2177 (03/02) Page 2 of 2 Insured Policy Number: MPC0602111 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. LOSS PAYEE/ADDITIONAL INSURED ENDORSEMENT Loss payee(s)and/or additional insured(s)are added as follows: ADDITIONAL INSURED City of Key West(landowner) 1300 White St Key West, FL 33040-0000 Monroe County Board of County Commissioners(lease agreement w/City of Key West) 1100 Simonton St. Key West, FL 33040-0000 ALL OTHER TERMS AND CONDITIONS OF THIS POLICY REMAIN UNCHANGED. CPR 2200 (10/01) Page 1 of 1 Insured Policy Number: MPC0602111 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FINE ARTS ENDORSEMENT A. Covered Property includes coverage for fine arts, meaning paintings, etchings, pictures, tapestries, rare or art glass, art glass windows, valuable rugs, statuary, sculptures, "antique" furniture, "antique" jewelry, bric-a-brac, porcelains, and similar property of rarity, historical value, or artistic merit. B. The Limit of Insurance as shown in the Declarations is subject to a sub-limit of$25,000 . This sub-limit is a limit or amount per occurrence, and is included in and does not increase the Limit of Insurance shown in the Decla- rations. We will not, in any case, exceed this sub-limit in one disaster, casualty or event, no matter how many loca- tions are involved. C. "Antique" means an object having value because its craftsmanship is in the style or fashion of former times, and be- cause it is 100 or more years old. • ALL OTHER TERMS AND CONDITIONS OF THIS POLICY REMAIN UNCHANGED. CPR 2216 (09/02) Page 1 of 1 Insured Policy Number: MPC0602111 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SEWER BACK UP ENDORSEMENT The most we pay for loss caused by water that backs up through a sewer or drain is $25,000 per occurrence. This Limit of Insurance is a part of, and not in addition to, the Per Occurrence Loss Limit shown in the Declarations. $ See CPR2218 will be deducted from each loss. ALL OTHER TERMS AND CONDITIONS OF THIS POLICY REMAIN UNCHANGED. CPR 2224 (03/03) Page 1 of 1 Insured Policy Number: MPC0602111 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PROTECTIVE SAFEGUARD ENDORSEMENT As a condition of this insurance, it is understood and agreed that the protective'devices or services set forth in the Schedule below will be maintained in complete working order. Schedule Protective Device or Service Location P-1, P-2, SD-1 00001-001 "P-1" Automatic Sprinkler System, including related supervisory services. Automatic Sprinkler System means any automatic fire protective or extinguishing system, including connected sprinklers and discharge nozzles, ducts, pipes, valves,fittings, tanks, pumps and private fire protection mains. "P-2"Automatic Fire Alarm, protecting the entire building, that is connected to a central station, or reporting to a public or private fire alarm station. "P-3" Security Service, with a recording system or watch clock, making hourly rounds covering the entire building when the premises are not in actual operation. "P-4"Service Contract,with a privately owned fire department providing fire protection service to the described premises. "BR-1" Automatic Burglary Alarm, protecting the entire building, that signals to an outside central station or a police station. "BR-2" Automatic Burglary Alarm, protecting the entire building, that has a loud sounding gong or siren on the outside of the building. CPR 2268 (02/07) Page 1 of 2 Insured "CC-1" Cooking Equipment Safeguard, meaning a U.L. approved automatic extinguishing system protecting all cooking equipment, hoods and duct areas. In addition,you must: A. Maintain the extinguishing system and all associated equipment in complete working order, and give us immediate notice of any impairment or suspension of the automatic extinguishing system; and B. Maintain the services of an independent contractor for the express purpose of cleaning and degreasing, not less often than once every six (6) months, all hood and duct systems installed in conjunction with cooking units at the locations described.You must give us immediate notice of any impairment or suspension of such service. "P-9"The protective system or service set forth in the above Schedule. "SP-1" Secured premises, meaning all premises entryways (gates, doors and windows) are locked to prevent unauthorized entry. "SD-1" Fully functional Smoke Detectors are properly located in all units. "UT-1" Utilities are on to prevent freezing of any and all pipes and drains. We will not pay for loss or damage if the protective safeguard or service listed in the above Schedule was not maintained in complete working order and such failure to maintain contributed directly or indirectly to the loss or damage or to the extent of such loss or damage. ALL OTHER TERMS AND CONDITIONS OF THIS POLICY REMAIN UNCHANGED. CPR 2268 (02/07) Page 2 of 2 Insured Policy Number: MPC0602111 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ASBESTOS EXCLUSION It is agreed that this policy does not insure against loss or damage arising from asbestos material, including but not limited to costs or expenses incurred by the Insured as a result of any of the following: (1) asbestos material removal, containment, or other abatement; (2) demolition or increased cost of construction, repair, debris removal, or loss of use necessitated by the enforcement of any law or ordinance regulating asbestos material; and/or (3) any governmental direction or request declaring that such asbestos material present in or part of or utilized on any undamaged portion of the insured's property can no longer be used for the purpose for which it was intended or installed and must be removed or modified; Nor does any coverage provided by this policy apply to payment for the investigation or defense of any loss, damage or any cost, loss of use expense, fine or penalty or for any expense or claim or suit related to any of the above. ALL OTHER TERMS AND CONDITIONS OF THIS POLICY REMAIN UNCHANGED. CPR 2269 (06/09) Page 1 of 1 Insured Policy Number: MPC0602111 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FLORIDA CHANGES This endorsement modifies insurance provided under the following: COMMERCIAL PROPERTY COVERAGE PART A. When this endorsement is attached to the Standard When loss or damage to exterior paint or Property Policy CP 00 99, the term Coverage Part in waterproofing material is excluded, we will not include this endorsement is replaced by the term Policy. the value of paint or waterproofing material to determine: B. The following provision applies when a Coinsurance percentage is shown in the Declarations: a. The amount of the Windstorm or Hail Deductible; or Florida law states as follows: b. The value of Covered Property when applying Coinsurance contract: The rate charged in this policy the Coinsurance Condition. is based upon the use of the coinsurance clause attached to this policy, with the consent of the D. The Loss Payment Condition dealing with the Insured. number of days within which we must pay for covered loss or damage is replaced by the following: C. The following is added: Provided you have complied with all the terms of this If windstorm is a Covered Cause of Loss and loss or Coverage Part, we will pay for covered loss or damage to Covered Property is caused by or results damage upon the earliest of the following: from windstorm, the following exclusion applies in: (1) Within 20 days after we receive the sworn 1. Broward County; proof of loss and reach written agreement with you; 2. Dade County; (2) Within 30 days after we receive the sworn 3. Martin County; proof of loss and: 4. Monroe County; (a) There is an entry of a final judgment; or 5. Palm Beach County; and (b) There is a filing of an appraisal award 6. All the areas east of the west bank of the with us; or Intra-Coastal Waterway in the Counties of: (3) Within 90 days of receiving notice of a. Indian River; and claim, unless we deny the claim during that time or factors beyond our control b. St. Lucie. reasonably prevent such payment. If a portion of the claim is denied, then the WINDSTORM EXTERIOR PAINT AND 90-day time period for payment of claim WATERPROOFING EXCLUSION relates to the portion of the claim that is not denied. We will not pay for loss or damage caused by windstorm to: Paragraph (3) applies only to the following: 1. Paint; or (a) A claim under a policy covering 2. Waterproofing material; residential property; applied to the exterior of Buildings unless the Building (b) A claim for building or contents to which such loss or damage occurs also sustains coverage if the insured structure is other loss or damage by windstorm in the course of 10,000 square feet or less and the the same storm event. But such coverage applies only policy covers only locations in Florida; if windstorm is a Covered Cause of Loss. or CP 01 25 07 08 © Insurance Services Office, Inc., 2008 Page 1 of 2 Insured (c) A claim for contents coverage under CATASTROPHIC GROUND COVER COLLAPSE a tenants policy if the rented premises are 10,000 square feet or We will pay for direct physical loss or damage to less and the policy covers only Covered Property caused by or resulting from locations in Florida. catastrophic ground cover collapse, meaning geological activity that results in all of the following: E. Sinkhole Collapse Coverage Removed (a) The abrupt collapse of the ground cover; Sinkhole Collapse coverage is removed as indicated in Paragraphs E.1. through E.4.; and coverage for (b) A depression in the ground cover clearly visible to Catastrophic Ground Cover Collapse is added instead the naked eye; as set forth in Paragraph F. (c) Structural damage to the building, including the 1. In the Causes of Loss — Basic Form and in the foundation; and Standard Property Policy, Sinkhole Collapse is deleted from the Covered Causes of Loss and (d) The insured structure being condemned and sinkhole collapse is no longer an exception to the ordered to be vacated by the governmental Earth Movement exclusion. agency authorized by law to issue such an order for that structure. 2. In the Causes of Loss — Broad Form, Sinkhole Collapse is deleted from the Covered Causes of However, structural damage consisting merely of the Loss and from the Additional Coverage — settling or cracking of a foundation, structure or Collapse; and sinkhole collapse is no longer an building does not constitute loss or damage resulting exception to the Earth Movement exclusion. from a catastrophic ground cover collapse. 3. In the Causes of Loss — Special Form, sinkhole The Earth Movement exclusion and the Collapse collapse is deleted from the "specified causes of exclusion do not apply to coverage for Catastrophic loss" and is no longer an exception to the Earth Ground Cover Collapse. Movement exclusion. Coverage for Catastrophic Ground Cover Collapse 4. In the Mortgageholders Errors And Omissions does not increase the applicable Limit of Insurance. Coverage Form, sinkhole collapse is deleted from Regardless of whether loss or damage attributable to the Covered Causes of Loss under Coverage B catastrophic ground cover collapse also qualifies as and from the "specified causes of loss", and is no Sinkhole Loss or Earthquake (if either or both of those longer an exception to the Earth Movement causes of loss are covered under this Coverage Part), exclusion. only one Limit of Insurance will apply to such loss or damage. Further, this Coverage Part does not insure against Sinkhole Loss as defined in Florida law unless an G. The following applies to the Additional Coverage — endorsement for Sinkhole Loss is made part of this Civil Authority under the Business Income (And policy. However, if Sinkhole Loss causes Catastrophic Extra Expense) Coverage Form, Business Income Ground Cover Collapse, coverage is provided for the (Without Extra Expense) Coverage Form and Extra resulting Catastrophic Ground Cover Collapse even if Expense Coverage Form: an endorsement for Sinkhole Loss is not made part of this policy. 1. The Additional Coverage—Civil Authority includes a requirement that the described premises are not F. The following is added to this Coverage Part as a more than one mile from the damaged property. Covered Cause Of Loss. In the Causes Of Loss — With respect to described premises located in Special Form and Mortgageholders Errors And Florida, such one-mile radius does not apply. Omissions Coverage Form, the following is also added as a "specified cause of loss". However, as a 2. The Additional Coverage — Civil Authority is "specified cause of loss", the following does not apply limited to a coverage period of up to four weeks. to the Additional Coverage—Collapse. With respect to described premises located in Florida, such four week period is replaced by a three-week period. 3. Civil Authority coverage is subject to all other provisions of that Additional Coverage. CP 01 25 07 08 © Insurance Services Office, Inc., 2008 Page 2 of 2 Insured G Policy Number: MPC0602111 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. WATER EXCLUSION ENDORSEMENT This endorsement modifies insurance provided under the following: COMMERCIAL PROPERTY COVERAGE PART STANDARD PROPERTY POLICY A. The exclusion in Paragraph B. replaces the Water 5. Waterborne material carried or otherwise moved Exclusion in this Coverage Part or Policy. by any of the water referred to in Paragraph 1., 3. or 4., or material carried or otherwise moved by B. Water mudslide or mudflow. 1. Flood, surface water, waves (including tidal wave This exclusion applies regardless of whether any of and tsunami), tides, tidal water, overflow of any the above, in Paragraphs 1. through 5., is caused by body of water, or spray from any of these, all an act of nature or is otherwise caused. An example whether or not driven by wind (including storm of a situation to which this exclusion applies is the surge); situation where a dam, levee, seawall or other boundary or containment system fails in whole or in 2. Mudslide or mudflow; part, for any reason, to contain the water. 3. Water that backs up or overflows or is otherwise But if any of the above, in Paragraphs 1. through 5., discharged from a sewer, drain, sump, sump results in fire, explosion or sprinkler leakage, we will pump or related equipment; pay for the loss or damage caused by that fire, explosion or sprinkler leakage (if sprinkler leakage is a 4. Water under the ground surface pressing on, or Covered Cause of Loss). flowing or seeping through: a. Foundations, walls, floors or paved surfaces; b. Basements, whether paved or not; or c. Doors, windows or other openings; or CP 10 32 08 08 © Insurance Services Office, Inc., 2008 Page 1 of 1 Insured Policy Number: MPC0602111 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DEFINITION OF OCCURRENCE Occurrence means the total loss or damage caused by a distinct, single incidence of a peril or combination of perils insured against, except: A. For a single atmospheric disturbance including tornado, cyclone, hurricane, windstorm, hail, tropical storm or cyclone, typhoon, hail and winter storm/freeze, an occurrence is limited to the total of all losses, damage, or expenses sus- tained or commencing during a continuous 144 hour period; B. For riot, riot attending a strike and civil commotion an occurrence is limited to the total of all losses, damage or ex- penses sustained or commencing during a continuous 96 hour period. In reference to items A. and B. above, you may decide when the applicable continuous number of hour period begins. ALL OTHER TERMS AND CONDITIONS OF THIS POLICY REMAIN UNCHANGED. CPR 2117 (08/15) Page 1 of 1 Insured Policy Number: MPC0602111 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. LIMITATION OF LIABILITY ENDORSEMENT The following special terms and conditions apply to this policy: A. The Limit of Insurance or amount of insurance shown in the Declarations page of this policy is a limit or amount per occurrence, except for"earthquake" and "flood," if covered, where an annual aggregate applies. We will not pay more than this limit or amount in one disaster, casualty, or event, no matter how many locations are involved. B. The premium for this policy is based on the schedule or statement of values on file with us or attached to this policy. If there is a loss under this policy,we will not pay more than the least of the following: 1. The actual adjusted amount of loss, minus the deductible(s)that applies; 2. The Limit of Insurance or amount of insurance per occurrence shown in the Declarations page of this policy or en- dorsed onto this policy; or 3. The stated value for the specific property involved in the loss as shown on the latest statement of values on file with us, minus the deductible(s)that applies. ALL OTHER TERMS AND CONDITIONS OF THIS POLICY REMAIN UNCHANGED. CPR 2126 (10/01) Page 1 of 1 Insured Policy Number: MPC0602111 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ABSOLUTE POLLUTION EXCLUSION ENDORSEMENT This endorsement replaces any existing terms and/or exclusions regarding pollution liability within this policy. We will not pay for loss, damage, cost or expense caused directly or indirectly by any of the following. Such loss, dam- age, cost or expense is excluded regardless of any other cause or event that contributes concurrently or in any sequence to the loss: A. Property damage arising out of the actual, alleged or threatened discharge, dispersal, release or escape of "pollu- tants," or contaminants; 1. At or from premises owned, leased, rented or occupied by you, 2. At or from any site or location used by or for you or others for the handling, storage, disposal, processing or treat- ment of waste, 3. Which are at any time transported, handled, stored, treated, disposed of or processed as waste by or for you or any person or organization for whom you may be legally responsible, or, 4. At or from any site or location on which you or any contractors or subcontractors working directly or indirectly on your behalf are performing operations; a. If the"pollutants" are brought on or to the site or location in connection with such operations, or b. If the operations are to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize the "pollutants." B. Any loss, damage, cost or expense arising out of any governmental direction or request that you test for, monitor, clean up, treat, remove, detoxify or neutralize "pollutants" or in any way respond to or assess the effects of "pollutants." This includes loss or damage caused by or resulting from contributing to or made worse by actual, alleged or threatened release, discharge, escape or dispersal of contaminants and/or pollutants, all of which direct or indirect, proximate or re- mote, or in whole or in part, caused by, contributed to, or aggravated by any damage insured by the policy. "Pollutants" means any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste. In addition to "pollutants" to be disposed of, waste also includes materials to be re- cycled, reconditioned or reclaimed. It also includes any material which after its release, dispersal or discharge, can cause or threaten damage to human health and/or human welfare, or causes or threatens damage, deteriorations, loss of value, marketability and/or loss of use, to insured property; including, but not limited to bacteria, fungi, virus, or hazardous sub- stances as listed in the Federal Pollution Control Act, Clean Air Act, Resource Conservation and Recovery Act of 1976 and/or Toxic Substances Control Act or as designated by the U.S. Environmental Protection Agency. ALL OTHER TERMS AND CONDITIONS OF THIS POLICY REMAIN UNCHANGED. CPR 2133(10/01) Page 1 of 1 Insured Policy Number: MPC0602111 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. LIBERALIZATION CLAUSE ENDORSEMENT It is understood and agreed that if form CP 00 90 is attached and made a part of this policy, Paragraph E. Liberalization is deleted. It is further understood and agreed that if form CP 00 99 is attached and made a part of this policy, Paragraph 6. Liberalization under Section H.Additional Conditions is deleted. ALL OTHER TERMS AND CONDITIONS OF THIS POLICY REMAIN UNCHANGED. CPR 2165 (04/13) Page 1 of 1 Insured Policy Number: MPC0602111 EXCLUSION OF CERTAIN COMPUTER RELATED LOSSES THIS ENDORSEMENT MODIFIES INSURANCE PROVIDED. PLEASE READ IT CAREFULLY. A. We will not pay for loss or damage, whether direct or indirect, to "electronic data processing equipment": 1. Arising from "computer virus"and/or"computer hacking"; 2. Caused by the transfer or delivery of covered property from a covered location or your computer to a person or place outside of a covered location on the basis of unauthorized or fraudulent instructions, including but not limited to instructions transmitted by a computer, whether or not owned by you, or via any telecommunications transmission method; 3. Arising from costs to research, replace or restore the information contained on electronic or magnetic media; 4. Arising from electrical disturbance including electrical or magnetic damage, disturbance of electronic recordings, or erasure of electronic recordings; 5. Arising from power supply disturbance including interruption of power supply, power surge, blackout, or brownout; 6. During the period when your business is interrupted as a result of loss to your web site operation whether or not maintained or operated by you and whether or not located at the described premises; 7. Arising from the failure, malfunction or inadequacy of: a. Such "electronic data processing equipment"whether belonging to you or to others; b. Any products, and any services, data or functions that directly or indirectly use or rely on, in any manner, such "electronic data processing equipment" due to the inability to correctly recognize, process, distinguish, interpret, or accept one or more dates or times. An example is the inability of computer software to recognize the year 2000; and/or 8. Arising from any advice, consultation, design, evaluation, inspection, installation, maintenance, repair, replacement or supervision provided or done by you or for you to determine, rectify or test for, any potential or actual problems described in this endorsement. Such loss or damage is excluded regardless of any other cause or event that contributes concurrently or in any sequence to the loss or damage. B. However, if direct physical loss or damage from a covered peril results, then subject to all of its terms and conditions, we will only pay for the resulting direct physical loss or damage. C. Claims for resulting physical loss or damage at multiple locations will constitute a separate occurrence at each location. D. DEFINITIONS 1. "Computer virus" means the introduction into a computer of any self-replicating electronic data processing code or other code that is intended to: a. Result in the deletion, destruction, generation, or modification of data; CPR 2188 (12/10) Page 1 of 2 Insured b. Alter, contaminate, corrupt, degrade, or destroy the integrity, quality, or performance of data; c. Damage, destroy, or cause malfunction, inadequacy, degradation, or corruption of any hardware or processing, recording, or storage media used with hardware; or d. Deny access to or services from your computer, your computer network or web site. 2. "Computer hacking" means an unauthorized intrusion by an individual or group of individuals, whether employed by you or not, into a computer or computer network that can: a. Result in the deletion, destruction, generation, or modification of data; b. Alter, contaminate, corrupt, degrade, or destroy the integrity, quality, or performance of data; c. Result in the scanning or copying of data; • d. Cause damage, destruction, inadequacy, malfunction, degradation, or corruption of any hardware or processing, recording, or storage media used with hardware; or e. Result in the denial of access to or denial of services from your computer, your computer network, or web site. 3. "Electronic data processing equipment" includes the following items: a. Computer hardware, including microprocessors; b. Computer application software; c. Computer operating systems and related software; d. Computer networks; e. Microprocessors (computer chips) not part of any computer system; f. Any other computerized or electronic equipment or components; or g. Any other products, and any services, data or functions that directly or indirectly use or rely upon, in any manner, any of the items listed in items a. through f. above. This includes any advice, consultation, design, evaluation, inspection, installation, maintenance, repair, replacement or supervision provided or done by you or for you to determine, rectify or test for, any potential problems with items listed in a. through f. above. ALL OTHER TERMS AND CONDITIONS OF THIS POLICY REMAIN UNCHANGED. CPR 2188 (12/10) Page 2 of 2 Insured Policy Number: MPC0602111 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. TERRORISM EXCLUSION 1. We will not pay for loss, damage, cost or expense caused directly or indirectly by"terrorism" including "certified acts of terrorism," as defined in the Terrorism Risk Insurance Act, as amended, unless specifically provided by endorsement to this policy or any action taken to control, prevent, or suppress terrorism. Such loss, damage, cost or expense is excluded regardless of any other cause or event that contributes concurrently or in any sequence to this loss. 2. The following definition is added and applies under this endorsement wherever the term "terrorism"is used. "Terrorism" means activities against persons, organizations or property of any nature: A. That involve the following or preparation for the following: 1. Use or threat of force or violence; or 2. Commission or threat of a dangerous act; or 3. Commission or threat of an act that interferes with or disrupts an electronic, communication, information, or mechanical system; and B. When one or both of the following applies: 1. The effect is to intimidate or coerce a government or the civilian population or any segment thereof, or to disrupt any segment of the economy; or 2. It appears that the intent is to intimidate or coerce a government, or to further polictical, ideological, religious, social or economic objectives or to express (or express opposition to) a philosophy or ideology. 3. Fire Exception The following provision applies only where relevant state law requires coverage for fire losses resulting from acts of terrorism, and where a premium for such has been paid. If an act of terrorism results in fire, we will pay for the loss or damage caused by that fire. This exception for fire applies only to direct loss or damage by fire to covered property. This exception does not apply to coverage for business income, extra expense, or fire legal liability. 4. Neither the terms of this endorsement nor the terms of any other terrorism endorsement attached to this policy provide coverage for any loss that would otherwise be excluded by this policy under: A. Exclusions that address war, military action, or nuclear hazard; or B. Any other exclusion. 5. The absence of any other terrorism endorsement does not imply coverage for any loss that would otherwise be ex- cluded by this policy under: A. Exclusions that address war, military action, or nuclear hazard; or B. Any other exclusion. ALL OTHER TERMS AND CONDITIONS OF THIS POLICY REMAIN UNCHANGED. CPR 2230 (03/08) Page 1 of 1 Insured Policy Number: MPC0602111 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PROPERTY IN TRANSIT ENDORSEMENT A. COVERED PROPERTY We will pay for direct physical loss caused by a Covered Cause of Loss to Covered Property described in the Declarations while in due course of"transit" including loading and unloading. 1. If property described in the Declarations includes property of others, we only cover property of others to the extent of your legal liability for direct physical loss caused by a covered peril. 2. We only cover loading and unloading if the described property is loaded from or unloaded onto a sidewalk, street, loading dock, or similar area that is adjacent to the indicated mode of transportation. B. PROPERTY NOT COVERED 1. Objects of art, antiques, or fur garments. 2. Property of others that you are responsible for as a carrier for hire or an arranger of transportation. This includes carloader, consolidator, broker, freight forwarder, or shipping association. 3. Contraband or property in the course of illegal transportation or trade. 4. Exported or imported property that is covered under any ocean marine cargo policy that anyone has obtained to cover exports or imports or while on an ocean or air conveyance. 5. Jewelry, precious or semi-precious stones, gold, silver, platinum, or other precious metals or alloys. 6. Property for which you are contractually liable under a lease agreement with any transportation carrier. 7. Animals including cattle or poultry unless death is caused or made necessary by a Covered Cause of Loss. 8. Mail shipments in the custody of the U.S. Postal Service. 9. Accounts, bills, currency, food stamps, or other evidences of debt, lottery tickets not held for sale, money, notes, or securities. 10. Samples while in the custody of a sales representative. 11. Property held in storage. C. LIMIT OF INSURANCE We will not, in any case, pay more than the Per Occurrence Loss Limit shown in the Declarations in one disaster, casualty, or event, no matter how many locations and/or modes of transportation are involved. D. VALUATION 1. The value of covered property is based on the following: a. The value of covered property is based on the invoice amount plus accrued costs, pre-paid charges, and charges since shipment. CPR 2252 (07/04) Page 1 of 2 Insured b. In the absence of an invoice the value of covered property will be based on the actual cash value at the time of loss(with a deduction for depreciation). 2. The value of a lost or damaged article which is part of a pair or set is based on a reasonable proportion of the value of the entire pair or set. The loss is not considered a total loss of the pair or set. 3. The value of a lost or damaged part of an item that consists of several parts when it is complete is based on the value of only the lost or damaged part or the cost to repair or replace it. E. ADDITIONAL CONDITION You may accept bills of lading or shipping receipts issued by carriers for hire that limit their liability to less than the actual cash value of the covered property. F. DEFINITION "Transit" means the shipment of covered property by you and the shipment: 1. Begins at the point of transport where you accept property into your care, custody, or control for the transportation of the property to a specific destination; 2. Includes the ordinary, reasonable, and necessary stops, interruptions, delays, or transfers incidental to the route and method of shipment, including rest periods taken by the driver(s); and 3. Ends upon acceptance of the goods by or on behalf of the consignee at the specified destination. ALL OTHER TERMS AND CONDITIONS OF THIS POLICY REMAIN UNCHANGED. CPR 2252(07/04) Page 2 of 2 Insured Policy Number: MPC0602111 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FIRE DEPARTMENT SERVICE CHARGES ENDORSEMENT When made a part of this policy, this endorsement replaces any Fire Department Service Charge wording that may appear elsewhere in this policy. A. When the fire department is called to save or protect Covered Property from a Covered Cause of Loss, we will pay your fire department service charges that are: 1. Assumed by contract or agreement prior to loss; or 2. Required by local ordinance. B. The most we will pay for this coverage under this endorsement in any one loss is the amount specifically stated in the Declarations. This Limit of Insurance is part of, and not in addition to, the Per Occurrence Loss Limit shown in the Declarations. ALL OTHER TERMS AND CONDITIONS OF THIS POLICY REMAIN UNCHANGED. CPR 2261 (09/04) Page 1 of 1 Insured Policy Number: MPC0602111 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. UNNAMED LOCATIONS EXTENSION This policy is extended to cover direct physical loss or damage to your Covered Property from a Covered Cause of Loss when that Covered Property is at a location(s)other than described in this policy. The most we will pay for coverage under this endorsement in any one loss is the amount specifically stated for Unnamed Locations in the Declarations. This Limit of Insurance is part of, and not in addition to, the Per Occurrence Loss Limit shown in the Declarations. ALL OTHER TERMS AND CONDITIONS OF THIS POLICY REMAIN UNCHANGED. CPR 2263(11/04) Page 1 of 1 Insured Policy Number: MPC0602111 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MINIMUM EARNED PREMIUM ENDORSEMENT This endorsement changes Cancellation conditions elsewhere in the policy as follows: If you cancel this policy, the earned premium will be calculated as follows: (1) If the abbreviated term provides coverage for less than 50 days during the period June 1 through November 1, the premium earned for the policy term will be calculated as per the policy Cancellation terms but subject to a minimum earned premium of 35% of the annual policy premium or$15,920, whichever is greater. (2) If the abbreviated term provides coverage for 50 or more days during the period June 1 through November 1, the premium earned for the policy term will be calculated as per the policy Cancellation terms but subject to a minimum earned premium of 100% of the annual policy premium or$45,485, whichever is greater. ALL OTHER TERMS AND CONDITIONS OF THIS POLICY REMAIN UNCHANGED. CPR 2274 (04/12) Page 1 of 1 Insured Policy Number: MPC0602111 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NON-PAYMENT OF PREMIUM Your failure to make a timely payment of any premium due either at inception of this policy or for any subsequent endorsement will be considered a request by you to us to cancel the policy. If we cancel for non-payment of premium, the minimum earned premium, as determined by the Minimum Earned Premium Endorsement included in this policy,will be immediately due and payable. At our discretion, we may consider reinstating coverage if you pay us the full amount of premium due prior to the effective date of cancellation. However, payment of overdue premium by you will not guarantee the reinstatement of coverage. Should we decide not to reinstate coverage, any unearned premium will be refunded accordingly. ALL OTHER TERMS AND CONDITIONS OF THIS POLICY REMAIN UNCHANGED. CPR 2276 (04/12) Page 1 of 1 Insured Policy Number: MPC0602111 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NUCLEAR, BIOLOGICAL, CHEMICAL OR RADIOACTIVE EXCLUSION We will not pay for loss, damage, cost, or expense directly or indirectly from: 1) The use or threatened use of nuclear, biological, chemical, radioactive substances or the like, however caused. 2) The accidental discharge of nuclear, biological, chemical, radioactive substances or the like, however caused. ALL OTHER TERMS AND CONDITIONS OF THIS POLICY REMAIN UNCHANGED. CPR 2281 (12/14) Page 1 of 1 Insured Policy Number: MPC0602111 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION OF COSMETIC DAMAGE TO ROOF SURFACING A. The following applies with respect to loss or damage by wind and/or hail to any building and/or structure covered under this policy unless otherwise indicated below: We will not pay for cosmetic damage to roof surfacing caused by wind and/or hail. For the purpose of this endorsement: 1. Cosmetic damage means that the wind and/or hail caused marring, pitting or other superficial damage that altered the appearance of the roof surfacing, but such damage does not prevent the roof from continuing to function as a barrier to entrance of the elements to the same extent as it did before the cosmetic damage occurred. 2. Roof surfacing refers to the shingles, tiles, cladding, metal or synthetic sheeting or similar materials covering the roof and includes all materials used in securing the roof surface and all materials applied to or under the roof surface for moisture protection, as well as roof flashing. Exceptions to the above are as follows: ALL OTHER TERMS AND CONDITIONS OF THIS POLICY REMAIN UNCHANGED. CPR 2282 (02/15) Page 1 of 1 Insured Policy Number: MPC0602111 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FIRE PROTECTION EQUIPMENT RECHARGE ENDORSEMENT We will pay up to$5,000 for expenses incurred to recharge fire suppression systems or extinguishers when such systems or extinguishers are discharged to fight a hostile fire on the covered premises or if discharged due to another covered cause of loss. No deductible applies to this coverage. ALL OTHER TERMS AND CONDITIONS OF THIS POLICY REMAIN UNCHANGED. CPR 2284 (04/15) Page 1 of 1 Insured Policy Number: MPC0602111 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. INCREASED PERIMETER OF COVERAGE ENDORSEMENT The Building and Personal Coverage Form, CP-0010, is amended to increase the distance referenced in Section A, item 1, Covered Property, Your Business Personal Property, as well as the Personal Property of Others item, from 100 feet to 1,000 feet. ALL OTHER TERMS AND CONDITIONS OF THIS POLICY REMAIN UNCHANGED. CPR 2285 (04/15) Page 1 of 1 Insured Policy Number: MPC0602111 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NAMED STORM DEFINITION The following definition is added to this policy: "Named storm" means a weather-related event involving wind that has been assigned a formal name by the National Hurricane Center, National Weather Service, World Meteorological Organization or Central Pacific Hurricane Center. The term "named storm" includes any organized weather system with a defined surface circulation that has maximum sustained wind speeds of at least 39 miles per hour including tropical storms, hurricanes, tropical cyclones, typhoons and all resultant atmospheric disturbance and weather phenomena. Under the terms of this definition, a "named storm" begins at the time a warning is issued for the area in which the affected property is located and ends 24 hours after the termination of the last watch or warning issued for that area by one of the above referenced entities. ALL OTHER TERMS AND CONDITIONS OF THIS POLICY REMAIN UNCHANGED. CPR 2291 (08/15) Page 1 of 1 Insured Policy Number: MPC0602111 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. WINDSTORM OR HAIL LOSS REPORTING LIMITATION ADDENDUM Regardless of anything to the contrary in the policy to which this endorsement is attached, the following limitations apply in reference to reporting of claims under this policy: 1. With respect to loss or damage caused by windstorm or hail, including any named storm, any claim must be filed with us not later than one year after the date of the loss or damage that is the subject of the claim, except that a claim may be filed after the first anniversary of the date of the loss or damage for good cause shown by the person filing the claim; and 2. Any legal action brought against us under the policy for loss or damage caused by windstorm or hail must be brought within the earlier of the following: a. Two years and one day from the date we accept or reject the claim; or b. Three years and one day from the date of the loss or damage that is the subject of the claim. ALL OTHER TERMS AND CONDITIONS OF THIS POLICY REMAIN UNCHANGED. CPR 2295 (02/16) Page 1 of 1 Insured Policy Number: MPC0602111 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ASSIGNMENT OF CLAIM BENEFITS No assignment of claim benefits, regardless of whether made before a loss or after a loss, shall be valid without the written consent of all insureds, all additional insureds and all mortgagee(s) named in this policy. Such written consent must be signed and dated by those providing the consent prior to any assignment. ALL OTHER TERMS AND CONDITIONS OF THIS POLICY REMAIN UNCHANGED. CPR 2307 (09/18) Page 1 of 1 Insured Policy Number: MPC0602111 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SANCTION LIMITATION AND EXCLUSION CLAUSE No (re)insurer shall be deemed to provide cover and no (re)insurer shall be liable to pay any claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose that (re)insurer to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom or United States of America. LMA 3100 (09/10) Page 1 of 1 Insured Policy Number: MPC0602111 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SEVERAL LIABILITY CLAUSE PLEASE READ CAREFULLY—This affects your Insurers' participation in your policy. The liability of an insurer under this contract is several and not joint with other insurers party to this contract. An insurer is liable only for the proportion of liability it has underwritten. An insurer is not jointly liable for the proportion of liability underwritten by any other insurer. Nor is an insurer otherwise responsible for any liability of any other insurer that may underwrite this contract. The proportion of liability under this contract underwritten by an insurer(or, in the case of a Lloyd's syndicate, the total of the proportions underwritten by all the members of the syndicate taken together) is shown in this contract. In the case of a Lloyd's syndicate, each member of the syndicate (rather than the syndicate itself) is an insurer. Each member has underwritten a proportion of the total shown for the syndicate (that total itself being the total of the proportions underwritten by all the members of the syndicate taken together). The liability of each member of the syndicate is several and not joint with other members. A member is liable only for that member's proportion. A member is not jointly liable for any other member's proportion. Nor is any member otherwise responsible for any liability of any other insurer that may underwrite this contract. The business address of each member is Lloyd's, One Lime Street, London EC3M 7HA. The identity of each member of a Lloyd's syndicate and their respective proportion may be obtained by writing to Market Services, Lloyd's, at the above address. Although reference is made at various points in this clause to "this contract" in the singular, where the circumstances so require this should be read as a reference to contracts in the plural. LMA 5096 (03/08) Page 1 of 1 Insured Policy Number: MPC0602111 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SERVICE OF SUIT CLAUSE (U.S.A.) It is agreed that in the event of the failure of the Underwriters hereon to pay any amount claimed to be due hereunder, the Underwriters hereon, at the request of the Insured (or Reinsured), will submit to the jurisdiction of a Court of competent jurisdiction within the United States. Nothing in this Clause constitutes or should be understood to constitute a waiver of Underwriters' rights to commence an action in any Court of competent jurisdiction in the United States, to remove an action to a United States District Court, or to seek a transfer of a case to another Court as permitted by the laws of the United States or of any State in the United States. It is further agreed that service of process in such suit may be made upon Messrs, Mendes & Mount 750 Seventh Avenue New York, New York 10019-6829 USA and that in any suit instituted against any one of them upon this contract, Underwriters will abide by the final decision of such Court or of any Appellate Court in the event of an appeal. The above-named are authorized and directed to accept service of process on behalf of Underwriters in any such suit and/or upon the request of the Insured (or Reinsured) to give a written undertaking to the Insured (or Reinsured) that they will enter a general appearance upon Underwriters'behalf in the event such a suit shall be instituted. Further, pursuant to any statute of any state, territory or district of the United States which makes provision therefor, Underwriters hereon hereby designate the Superintendent, Commissioner or Director of Insurance or other officer specified for that purpose in the statute, or his successor or successors in office, as their true and lawful attorney upon whom may be served any lawful process in any action, suit or proceeding instituted by or on behalf of the Insured (or Reinsured) or any beneficiary hereunder arising out of this contract of insurance (or reinsurance), and hereby designate the above-named as the person to whom the said officer is authorized to mail such process or a true copy thereof. NMA 1998 (04/86) Page 1 of 1 Insured Policy Number: MPC0602111 RLI Underwriting Services, Inc. Peoria, Illinois 61615 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SERVICE OF SUIT ENDORSEMENT It is understood and agreed that in the event of the failure of the Company to pay any amount claimed to be due here- under, the Company, at the request of the Named Insured, will submit to the jurisdiction of a court of competent jurisdiction within the United States of America. The foregoing shall not constitute a waiver of the right of the Company to remove, remand or transfer such suit to any other court of competent jurisdiction in accordance with the applicable statutes of the state or United States pertinent hereto. In any suit instituted against them upon this contract, the Company will abide by the final decision of such court or of any appellate court in the event of an appeal. It is further agreed that service of process in such suit may be made upon the Superintendent, Commissioner, or Director of Insurance or other person specified for that purpose in the statute or his successor or successors in office as their true and lawful attorney upon whom may be served any lawful process in any action, suit, or proceeding instituted by or on behalf of the Named Insured or any beneficiary hereunder arising out of this contract of insurance. The Company hereby designates Craig W. Kliethermes, President, RLI Underwriting Services, Inc. 9025 N. Lindbergh Drive, Peoria, Illinois 61615 as the person to whom the said Superintendent, Commissioner, or Director of Insurance is authorized to mail such process or a true copy thereof, in compliance with the applicable statutes governing said service of process in the state or jurisdiction in which a cause of action under this contract of insurance arises. ALL OTHER TERMS AND CONDITIONS OF THIS POLICY REMAIN UNCHANGED. RIL 099C(11/16) Page 1 of 1 Insured Policy Number: MPC0602111 RLI® NOTICE TO OUR BROKERS AND AGENTS OF OUR CLAIM NOTIFICATION PROCEDURE As part of our continuing effort to provide you with the best service available, ALL CLAIMS, OCCURRENCES, INCIDENTS and LAWSUITS under this policy are to be reported immediately to: RLI Insurance Company Email (preferred): New.Claim@rlicorp.com Fax: (866) 692-6796 Phone: (800) 444-0406 Street Address: 9025 N. Lindbergh Drive, Peoria, IL 61615 Mailing Address: P.O. Box 3961, Peoria, IL 61612-3961 When reporting the incident, be prepared to supply a report of claim or the following information: 1. Policy Number 2. Contact Person information (name, address, phone, etc.) 3. Nature of incident 4. Date of incident When reporting multiple incidents, please send each loss notice separately. RIL 2131C (08/12) RLr IMPORTANT NOTICE TO POLICYHOLDERS TERRORISM RISK INSURANCE ACT, AS AMENDED Under the Terrorism Risk Insurance Act, as amended(the "Act"), we must make coverage for "certified acts of terrorism" available in the policies we offer. We notified you at the time of offer and purchase of the policy to which this Notice is attached that this coverage was available and we gave you the right to reject our offer of such terrorism coverage. If you elected to purchase the coverage, the premium charged for such coverage is shown on the Declarations page of the policy. If you elected to reject the coverage we have not charged your policy for terrorism coverage and have attached a terrorism exclusion to your policy. PLEASE NOTE: IF YOU REJECTED THE OFFER OF FEDERAL TERRORISM INSURANCE COVERAGE, THAT REJECTION DOES NOT APPLY TO THE LIMITED EXTENT THAT RELEVANT STATE LAW REQUIRES COVERAGE FOR FIRE LOSSES RESULTING FROM CERTIFIED ACTS OF TERRORISM UNDER THE ACT. You should know that where coverage is provided by this policy for losses resulting from certified acts of terrorism, such losses may be partially reimbursed by the United States government under a formula established by federal law. Under this formula, the United States government generally reimburses 85% through 2015; 84% beginning on January 1, 2016; 83% beginning on January 1, 2017; 82% beginning January 1, 2018; 81% beginning January 1, 2019 and 80% beginning January 1, 2020 of covered terrorism losses exceeding the statutorily established deductible paid by the insurance company providing the coverage. You should also know that the Act contains a $100 billion cap that limits U.S. Government reimbursement as well as insurers' liability for losses resulting from certified acts of terrorism when the amount of such losses in any one calendar year exceeds $100 billion. If the aggregate insured losses for all insurers exceed $100 billion, your coverage may be reduced. Specific coverage terms for terrorism, including limitations and exclusions, are more fully described in endorsements attached to the policy. Your policy may contain an exclusion for losses that are not eligible for federal reinsurance under the Act. Definitions: "Certified act of terrorism," as defined in Section 102(1) of the Act, means an act that is certified by the Secretary of the Treasury — in consultation with the Secretary of Homeland Security, and the Attorney General of the United States — to be an act of terrorism; to be a violent act or an act that is dangerous to human life, property, or infrastructure; to have resulted in damage within the United States, or outside the United States in the case of certain air carriers or vessels or the premises of a United States mission; and to have been committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. RIL 2133B (O1/15) Page 1 of 1 Insured Policy Number: MPC0602111 Lr RLI Underwriting Services, Inc. Peoria, Illinois 61615 NOTICE TO POLICYHOLDERS REGARDING THE UNITED STATES TREASURY DEPARTMENT - OFFICE OF FOREIGN ASSETS CONTROL (OFAC) This Policyholder Notice does not provide coverage nor can it be construed to replace any provisions of your policy. Please read your policy carefully to determine your rights, duties, and what is and what is not covered by your policy. This Notice should only be used to provide information concerning the possible impact of your insurance coverage as it relates to directives issued by OFAC. PLEASE READ THIS NOTICE CAREFULLY. OFAC administers and enforces economic and trade sanctions and places restrictions on certain transactions. OFAC acts pursuant to Executive Orders of the President of the United States and specific legislation. OFAC has identified and named numerous foreign agents, front organizations, terrorists, terrorist organizations, and narcotics traffickers, among others, as "Specially Designated Nationals and Blocked Persons." The complete list can be found on the United States Treasury website—http://www.treas.gov/ofac. Various trade or economic sanctions and other laws or regulations prohibit us from providing insurance in certain circumstances. In accordance with OFAC regulations, if it is determined that you or any other insured, or any person or entity claiming the benefits of this insurance has violated U.S. sanctions law or is a Specially Designated National and Blocked Person, as identified by OFAC, this insurance contract is considered a blocked or frozen contract and will be considered null and void. When an insurance policy is considered to be a blocked or frozen contract, all provisions of this insurance will be immediately subject to OFAC, and neither payments nor premium refunds may be made without authorization from OFAC. Other limitations on the premiums and payments may also apply. UW 20342C(03/12) Page 1 of 1 Insured Policy Number: MPC0602111 R 1 .1 RLI Underwriting Services, Inc. Peoria, Illinois 61615 ATTENTION POLICYHOLDER: KEEP THIS NOTICE WITH YOUR INSURANCE PAPERS Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false, incomplete, or misleading information, or conceals information concerning any material fact thereto, commits a fraudulent insurance act, which is a crime punishable by incarceration, and shall also be subject to civil penalties. RIL 200C(07/98) Page 1 of 1 Insured OP ID: CH ,d►cofto. CERTIFICATE OF PROPERTY INSURANCE FDATE(MM/DD/YYYY) `.� 07/20/2020 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. PRODUCER CONTACT NAME: Atlantic Pacific-Key West PHONE 305-294-7696 FAX 305-294-7383 IC, AIL Ext: A/C No 1010 Kennedy Dr,Suite 203 Key West,FL 33040 ADDRESS:chernandez@apins.com PRODUCER FLOR-46 CUSTOMER ID: INSURER(S)AFFORDING COVERAGE NAIC# INSURED INSURER A:Mt. Hawley Insurance Co. 37974 Florida Keys S.P.C.A. Wri ht National Flood Ins Co 11523 5711 College Rd INSURERB: g Key West, FL 33040 INSURER C 7 INSURER D: INSURER E: INSURER F: COVERAGES CERTIFICATE NUMBER: REVISION NUMBER: LOCATION OF PREMISES/DESCRIPTION OF PROPERTY(Attach ACORD 101,Additional Remarks Schedule,if more space is required) 5711 College Rd, Key West, FL 33040 THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT,TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN,THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES.LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR TYPE OF INSURANCE POLICYNUMBER POLICYEFFECTIVE POLICY EXPIRATION COVERED PROPERTY LIMITS LTR DATE(MM/DD/YYYY) DATE(MM/DD/YYYY) A X PROPERTY MPC0602111 12/28/2019 12/28/2020 Y BUILDING $ 7,500,000 CAUSES OF LOSS DEDUCTIBLES Y PERSONAL PROPERTY $ 1,000,000 BASIC BUILDING 2,500 BUSINESS INCOME $ BROAD CONTENTS EXTRA EXPENSE $ X SPECIAL 2,500 RENTAL VALUE $ EARTHQUAKE BLANKET BUILDING $ A X WIND 3% BLANKET PERS PROP $ B X FLOOD 50,000 09116177662201 03/08/2020 03/08/2021 BLANKET BLDG&PP $ Y Flood-Building $ 500,000 Y Flood-Contents $ 500,000 INLAND MARINE TYPE OF POLICY $ CAUSES OF LOSS $ NAMED PERILS POLICY NUMBER $ CRIME ), 'r' $ TYPE OF POLICY ' _ $ BOILER&MACHINERY 1 '" 7/2 O/2 O 2 O $ EQUIPMENT BREAKDOWN A _...,�_ WAAW WkXyft $ SPECIAL CONDITIONS/OTHER COVERAGES(ACORD 101,Additional Remarks Schedule,may be attached if more space is required) Named Storm deductible-3%of building coverage; Wind or Hail deductible- $25,000 CERTIFICATE HOLDER CANCELLATION MCBCCOM SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF,NOTICE WILL BE DELIVERED IN Monroe County BOCC ACCORDANCE WITH THE POLICY PROVISIONS. 1100 Simonton St Key West, FL 33040 AUTHORIZED REPRESENTATIVE ACORD 24(2016/03) ©1995-2015 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD c 6 CITIZENS PROPERTY INSURANCE CORPORATION 301 WBAY ST CITIZENS JACKSONVILLILLE FL 32202 02 v111;1'L•Ii17 INiI;:LAC'£.C(K1,,£NiION POLICY CHANGE SUMMARY POLICY NUMBER: 00023680-6 POLICY PERIOD FROM 07/03/2019 TO 07/03/2020 at 12:01 a.m.Eastern Time Transaction: RENEWAL item ;Prier Pnlicy Information Amended Palltly�Informalttnn ;.Locations and Buildings 1:5230 College Rd 1:One Story Masonry Office Building Coverages Building Coverage Limit 138,000 140,000 Most Recent Inflation Amount Ext 138000.00 140000.00 Most Recent Inflation Amt TRC Ext 138000.00 140000.00 Building Coverage:Total Replacement Cost $138,000 $140,000 Hurricane,Other Windstorm or Hail Deductible Amount $4,140 $4,200 2:One Story Masonry Dog Shelter Bldg Coverages Building Coverage Most Recent Inflation Amount Ext 32000.00 3:One Story Masonry Cat Shelter Bldg Coverages Building Coverage Most Recent Inflation Amount Ext 32000.00 2:Marathon 1:Animal Shelter Coverages Building Coverage Limit 282,000 285,000 Most Recent Inflation Amount Ext 282000.00 285000.00 Most Recent Inflation Amt TRC Ext 282000.00 285000.00 Building Coverage:Total Replacement Cost $282,000 $285,000 Hurricane,Other Windstorm or Hail Deductible Amount $8,460 $8,550 • AP R ANAGEMENY BY DA WAIVER /A 1 U6 I QttV,tn`Arkre This summary is for informational purposes only and does not change any of the terms or provisions on your policy. Please carefully review your policy Declarations and any attached forms for a complete description of coverage. PCS 01 14 Page 1 of 1 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PRDPBIilY INSURANCE:CORNtIRAEJDN COMMERCIAL PROPERTY POLICY DECLARATIONS POLICY NUMBER: 00023680-6 POLICY PERIOD FROM 07/03/2019 TO 07/03/2020 at 12:01 a.m.Eastern Time Transaction:RENEWAL - CNR-W Pay Plan:Citizens Full Pay Bill: Insured Billed Named Insured and Mailing Address Agent Fl.Agent Lic.# Florida Keys Society For The Prevention Of Cruelty to Christine Hernandez A117278 Animals, Inc. ATLANTIC PACIFIC INSURANCE 5230 College Rd 1010 KENNEDY DR STE 203 Key West, FL 33040 KEY WEST, FL 33040 Primary Email Address: No Email Address On File Telephone: Telephone:305-294-7696 N 0 (0 0 0 0 CO l0 IN RETURN FOR THE PAYMENT OF THE PREMIUM,AND SUBJECT TO ALL THE TERMS OF THIS POLICY,WE AGREE WITH v YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. o n THIS POLICY CONSISTS OF THE FOLLOWING COVERAGE FOR WHICH A PREMIUM IS INDICATED.THIS PREMIUM MAY BE w SUBJECT TO ADJUSTMENTS. 0) 0 PREMIUM o COMMERCIAL PROPERTY COVERAGE PART $7,876.00 Required Additional Charges: Catastrophe Financing Surcharge $1,181.00 Tax-Exempt Surcharge $138.00 TOTAL: $9,195.00 See Form CDEC-FE-SCH—Commercial Policy Forms And Endorsements Schedule Countersigned:05/04/2019 Authorized By: Christine Hernandez BY: Issued Date: 05/04/2019 --\\ 91.30,4)-0,4)\ — Barry J.Gilway President/CEO and Executive Director Citizens Property Insurance Corporation CDEC1 01 19 Includes copyrighted material of Insurance Services Office, Inc., Page 1 of 6 with its permission. CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 VRth'iiti37 INiI;AANCt.('Okt'ORAiIOt COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00023680-6 Effective Date: 07/03/2019 to 07/03/2020 Insured Name: Florida Keys Society For The Prevention Of Cruelty.to Animals, Inc. LOCATION NO. 1 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 0702 BUSINESS DESCRIPTION: Offices-Non-Governmental DESCRIPTION OF PREMISES 5230 College Rd One Story Masonry Office Building Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 5230 COLLEGE RD N/A Masonry N/A Ungraded KEY WEST,FL 33040-4302 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-86 1 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. — - — Total -- _- — - -- - - - - Covered Replacement Limit Of Causes Cost/BPP Actual Coverage Insurance Of Loss Cash Value Coinsurance Rates Premium First Loss Building(Bldg) $140,000 Wind $140,000 90% Class $1,930.00 No Business Personal Property $21,000 Wind $21,000 90% Class $265.00 No (BPP) Your coverage limits have been adjusted for inflation. OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost Building Business Personal Property Yes No DEDUCTIBLE Hurricane,Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) Bldg: 3% ($4,200) BPP:($1,000) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1970 N/A N/A Connection N/A N/A -- Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design N/A N/A Protective Devices N/A N/A None Mortgageholder(s)&Other Policyholder Interest(s)-See Policy Interest Schedule. PREMIUM:$2,195.00 CDEC1 01 19 Includes copyrighted material of Insurance Services Office, Inc., Page 2 of 6 with its permission. c CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 vl:+n trlr INii:wlNtx:(OMM!ION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00023680-6 Effective Date:07/03/2019 to 07/03/2020 Insured Name: Florida Keys Society For The Prevention Of Cruelty to Animals, Inc. LOCATION NO. 1 BUILDING OR SPECIAL CLASS ITEM NO.2 CSP Code:0921 BUSINESS DESCRIPTION: Pet Grooming DESCRIPTION OF PREMISES 5230 College Rd One Story Masonry Dog Shelter Bldg Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 5230 COLLEGE RD N/A Masonry N/A Ungraded KEY WEST,FL 33040 4302 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-86 1 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Total Covered Replacement Limit Of Causes Cost/BPP Actual m Coverage Insurance Of Loss Cash Value Coinsurance Rates Premium First Loss ,a Building(Bldg) $32,000 Wind $32,000 90% Class $441.00 No 00 Business Personal Property $5,000 Wind $5,000 90% Class $63.00 Noco (BPP) 0 OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost m Building Business Personal Property co Yes No 0 0 DEDUCTIBLE Hurricane,Other Windstorm or Hail Percentage Deductible (Deductible Amount) Bldg:($1,000) BPP:($1,000) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1970 N/A N/A Connection N/A N/A . _ Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind DesignMNSIMMIN N/A N/A Protective Devices N/A N/A None Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM:$504.00 iNNIMINEM 1111 CDEC1 01 19 Includes copyrighted material of Insurance Services Office, Inc., Page 3 of 6 with its permission. CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 NBI:NliIu'f INVIAANCt.COKPidiAi ION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00023680-6 • Effective Date: 07/03/2019 to 07/03/2020 Insured Name: Florida Keys Society For The Prevention Of Cruelty to Animals, Inc. LOCATION NO. 1 BUILDING OR SPECIAL CLASS ITEM NO.3 CSP Code: 0921 BUSINESS DESCRIPTION: Pet Grooming DESCRIPTION OF PREMISES 5230 College Rd One Story Masonry Cat Shelter Bldg Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 5230 COLLEGE RD N/A Masonry N/A Ungraded KEY WEST,FL 33040-4302 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-86 1 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Total — - Covered Replacement Limit Of Causes Cost/BPP Actual Coverage Insurance Of Loss Cash Value Coinsurance Rates Premium First Loss Building(Bldg) $32,000 Wind $32,000 90% Class $441.00 No Business Personal Property $5,000 Wind $5,000 90% Class $63.00 No (BPP) OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost Building Business Personal Property Yes No DEDUCTIBLE Hurricane,Other Windstorm or Hail Percentage Deductible (Deductible Amount) Bldg: ($1,000) BPP:($1,000) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1970 N/A N/A Connection N/A N/A Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design N/A N/A Protective Devices N/A N/A None Mortgageholder(s)&Other Policyholder Interest(s)-See Policy Interest Schedule. PREMIUM:$504.00 CDEC1 01 19 Includes copyrighted material of Insurance Services Office, Inc., Page 4 of 6 with its permission. cfPPP. CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 P131)P lin INSURANCE CORIOINiON COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number:00023680-6 Effective Date:07/03/2019 to 07/03/2020 • Insured Name: Florida Keys Society For The Prevention Of Cruelty to Animals, Inc. • LOCATION NO.2 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 0921 BUSINESS DESCRIPTION:Pet Grooming DESCRIPTION OF PREMISES Marathon Animal Shelter Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 10600 AVIATION BLVD N/A Masonry N/A Ungraded MARATHON,FL 33050-3058 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-85 1 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Total Covered Replacement Limit Of Causes Cost/BPP Actual Coverage Insurance Of Loss Cash Value Coinsurance Rates Premium First Loss Building(Bldg) $285,000 Wind $285,000 90% Class $4,379.00 No 00 Business Personal Property $20,000 Wind $20,000 90% Class $294.00 No co (BPP) Your coverage limits have been adjusted for inflation. O OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below cn Coverage Premium Replacement Cost o Building Business Personal Property o Yes No DEDUCTIBLE Hurricane,Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) Bldg:3%($8,550) BPP: ($1,000) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1989 _ N/A N/A Connection N/A N/A Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design N/A N/A Protective Devices N/A N/A None Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM:$4,673.00 • CDEC1 01 19 Includes copyrighted material of Insurance Services Office, Inc., Page 5 of 6 with its permission. c CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 'I;l'P.111Y IMI;rANC1.CCIRFGRAiIO COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00023680-6 Effective Date: 07/03/2019 to 07/03/2020 Insured Name: Florida Keys Society For The Prevention Of Cruelty to Animals, Inc. FLOOD COVERAGE IS NOT PROVIDED BY THIS POLICY. WINDSTORM OR HAIL DEDUCTIBLES ARE CALCULATED ON TOTAL REPLACEMENT COST OR ACTUAL CASH VALUE, NOT THE LIMIT OF INSURANCE. THIS POLICY CONTAINS A CO-PAY PROVISION THAT MAY RESULT IN HIGH OUT-OF-POCKET EXPENSES TO YOU. Coinsurance contract: The rate charged in this policy is based upon the use of the coinsurance clause attached to this policy, with the consent of the insured. INFORMATION ABOUT YOUR POLICY MAY BE MADE AVAILABLE TO INSURANCE COMPANIES AND/OR AGENTS TO ASSIST THEM IN FINDING OTHER AVAILABLE INSURANCE MARKETS. TO REPORT A LOSS OR CLAIM CALL 866.411.2742 PLEASE CONTACT YOUR AGENT IF THERE ARE ANY QUESTIONS PERTAINING TO YOUR POLICY. IF YOU ARE UNABLE TO CONTACT YOUR AGENT,YOU MAY REACH CITIZENS AT 866.411.2742. CDEC1 01 19 Includes copyrighted material of Insurance Services Office, Inc., Page 6 of 6 with its permission. CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 VNUVlilin INSURINCL COMMEION COMMERCIAL PROPERTY POLICY FORMS AND ENDORSEMENTS SCHEDULE POLICY NUMBER 00023680-6 POLICY PERIOD FROM 07/03/2019 TO 07/03/2020 at 12:01 a.m.Eastern lime Named Insured Florida Keys Society For The Prevention Of Cruelty to Animals, Inc. An entry below of"All" Indicates the form applies to all items scheduled in the policy Location No. Building No. Form No. Edition Date Description ALL ALL CIT W10 10 02 19 CAUSES OF LOSS-WINDSTORM OR HAIL FORM ALL ALL IL 00 17 11 98 COMMON POLICY CONDITIONS ALL ALL CP 00 90 07 88 COMMERCIAL PROPERTY CONDITIONS ALL ALL IL 09 35 07 02 EXCLUSION OF CERTAIN COMPUTER- in RELATED LOSSES m 0 ALL ALL IL P 001 01 04 U.S.TREASURY DEPARTMENT'S OFFICE o OF FOREIGN ASSETS CONTROL("OFAC") CO ADVISORY NOTICE TO POLICYHOLDERS v 0 ALL ALL CIT W14 20 02 14 CITIZENS CHANGES-PROPERTY NOT o COVERED o0 rn ALL ALL CIT 03 21 01 14 WINDSTORM OR HAIL PERCENTAGE o DEDUCTIBLE o ALL ALL IL 01 75 09 07 FLORIDA CHANGES-LEGAL ACTION AGAINST US ALL ALL CIT W02 55 02 19 FLORIDA CHANGES-CANCELLATION AND NONRENEWAL ALL ALL CP 01 40 07 06 EXCLUSION OF LOSS DUE TO VIRUS OR BACTERIA 1 ALL CP 00 10 .06 07 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 1 ALL. CIT CNRW 00 03 02 19 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY _ _ 1 ALL CIT CNRW 01 25 02 19 FLORIDA CHANGES 1 1 CP 12 18 06 07 LOSS PAYABLE PROVISIONS 1 2 CP 12 18 06 07 LOSS PAYABLE PROVISIONS 1 3 CP 12 18 06 07 LOSS PAYABLE PROVISIONS 2 ALL CP 00 10 06 07 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 2 ALL CIT CNRW 00 03 02 19 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 2 ALL CIT CNRW 01 25 02 19 FLORIDA CHANGES Issued Date:05/04/2019 Mortgageholder Copy CDEC-FE-SCH 01 14 Includes copyrighted material of Insurance Services Office, Inc., Page 1 of 1 = with its permission. CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PIMPLIUY INSIAANCI.C(RhCiIAiION COMMERCIAL PROPERTY POLICY POLICY INTEREST SCHEDULE POLICY NUMBER 00023680-6 • POLICY PERIOD FROM 07/03/2019 TO 07/03/2020 at 12:01 a.m.Eastern Time Named Insured Florida Keys Society For The Prevention Of Cruelty to Animals, Inc. Location No. Building No. Interest Type Name and Mailing Address 1 1 1st Mortgagee MONROE COUNTY BOARD OF COUNTY COMMISSIONERS 1111 12TH ST STE 408 KEY WEST, FL 33040-3005 - ---- Loan-#TBD--- —— 1 2 1st Mortgagee MONROE COUNTY BOARD OF COUNTY COMMISSIONERS 1111 12TH ST STE 408 KEY WEST, FL 33040-3005 Loan#TBD 1 3 1st Mortgagee MONROE COUNTY BOARD OF COUNTY COMMISSIONERS 1111 12TH ST STE 408 KEY WEST, FL 33040-3005 Loan#TBD Issued Date:05/04/2019 Mortgageholder Copy CDEC-PI-SCH 01 14 Includes copyrighted material of Insurance Services Office, Inc., Page 1 of 1 with its permission. A Stock Company FFL 99.001 1018 P.O. Box 33003 000000002393704 St. Petersburg, FL 33733-8003 3/05/19 ra .� ti Customer Service: 1-800-820-3242 2000 11523 FLD RGLR i : "1 Claims: 1-800-725-9472 Wright National Flood I surance comp Y ;.:: .,4 FLOOD DECLARATIONS PAGE NEW BUSINESS Policy Number NFIP Policy Number Product Type:Standard Policy 09 1151775622 00 1151775622 General Property Form Policy Period Date of Issue Agent Code Prior Policy Number From: 3/08/19 To: 3/08/20 12:01 am Standard Time 03/05/2019 0116407 , Insured FLORIDA KEYS SPCA MC BOARD OF COUNTY COMMISSION 5711 COLLEGE RD 1100 SIMONTON ST KEY WEST FL 33040-4311 KEY WEST FL 33040-3110 Property Location(if other than above) Address may have been changed in accordance with USPS standards. 5711 COLLEGE RD, SPCA BUILDING, KEY WEST FL 33040 Rating Information Original New Business Effective Date: 3/08/2019 Flood Risk/Rated Zone: AE Grandfathered: No Building Occupancy: Business Non-Residential Primary Residence: N Number of Floors: Two Floors Condo Type: N/A Building Indicator: Non-Elevated Community#: 120168 Map Panel/Suffix: 1528 K Basement/Enclosure/Crawlspace: Community Rating: 07/ 15% Program Status: Regular No Basement Community Name: KEY WEST, CITY OF Elevation Difference: 1 _J.Coverage Deductible Annual Premium BUILDING $500,000 $50,000 $1,361.00 CONTENTS $500,000 $50,000 $885.00 ANNUAL SUBTOTAL: $2,246.00 THIS IS NOT A BILL DEDUCTIBLE DISCOUNT/SURCHARGE: - $977.00 ICC PREMIUM: $5.00 DEAR MORTGAGEE COMMUNITY RATING DISCOUNT: - $191.00 SUB-TOTAL: $1,083.00 The Reform Act of 1994 requires you to notify the WYO company for this policy within 60 days RESERVE FUND ASSESSMENT: $162.00 of any changes in the servicer of this loan. PROBATION SURCHARGE: $0.00 The above message applies only when there ' FEDERAL POLICY SERVICE FEE: $50.00 is a mortgagee on the insured location. HFIAA SURCHARGE: $250.00 Premium Paid by: Insured TOTAL WRITTEN PREMIUM AND FEES: $1,545.00 Special Provisions: _ This policy covers only one building. If you have more than one building on your property,please make sure they are all covered. See III. Property Covered within your Flood policy for the NFIP definition of"building"or contact your agent,broker,or insurance company. Please refer to the policy for complete terms,conditions,and exclusions. A full,digital copy of your flood policy form is available at www.wrightflood.com/policyforms.html.The form which applies to your policy coverage is:General Property Form Forms and Endorsements.z _- WFL 99.415 1117 1117 FFL 99.310 1012 1010 WFL 99.116 0614 0614 This policy is issued by NAIC company 11523 Wright National Flood Insurance Company A stock company Copy Sent To: As indicated on back or additional pages, if any. PaY7u.;,.:,.- - 9-561 Patricia Templeton-Jones,President ••'•-ia MANAGEMENT BY DATE WAIVER / YE i ."" ., • 01164070911517756221906401 00005 00231 62'x Add'1 Interest FFL 99.001 1018 000000002393704 3/05/19 091151775622 00 Agent (305)294-7696 Building Owner ATLANTIC PACIFIC INSURANCE INC THE CITY OF KEY WEST 1010 KENNEDY DR STE 203 1300 WHITE ST KEY WEST FL 33040-4133 KEY WEST FL 33040-4854 Additional Insured Additional Insured THE CITY OF KEY WEST MC BOARD OF COUNTY COMMISSION 1300 WHITE ST 1100 SIMONTON ST KEY WEST FL 33040-4854 KEY WEST FL 33040-3110 Refer to www.fema.gov/cost-of-flood for more information about flood risk and policy rating. Claims Information: Please contact your agent or go to www.wrightflood.com to enter your claim as well as receive important information to mitigate the damage to your property. If you need to reach the insurance company the number is 1-800-725-9472. 01164070911517756221906401 00005 Add'l Interest FLOR-46 OP ID:CH AC-®ROa CERTIFICATE OF LIABILITY INSURANCE DATE /DD/YYYY) 03/25/2019 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 have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED,subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER 305-294-7696 CONTACT NAME: Atlantic Pacific-Key West PHONE 305-294-7696 I FAX 305-294-7383 1010 Kennedy Dr,Suite 203 (A/C,No,Ext): (A/C,No): Key West,FL 33040 E-MAIL chernandez@apins.com Richard Horan INSURER(S)AFFORDING COVERAGE NAIC B INSURERA:Penn-America Insurance Co 32859 INSURED INSURER B: Florida Keys S.P.C.A. 5711 College Rd INSURER C: Key West,FL 33040 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 TYPE OF INSURANCE ADDL SUER POLICY NUMBER POLICY EFF POLICY EXP LIMITS LTRINSD WVD IMM/DD/YYYYI IMM/ODIYYYYI A X COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE $ 2,000,000 CLAIMS-MADE X OCCUR Y PAV0161601 07/01/2018 07/01/2019 PREMISESO(Eaoccurence) $ 300,000 MED EXP(Any one person) $ 5,000 PERSONAL&ADV INJURY $ 2,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $ 2,000,000 POLICY JECT LOC PRODUCTS-COMP/OP AGG S included OTHER: S AUTOMOBILECOMBINED SINGLE LIMIT LIABILITY (Fa accident) $ ANY AUTO BODILY INJURY(Per person) $ OWNED SCHEDULED pppp rr�� _ AUTOSI ONLY AUTOS YY Ok-- __BODILY INJURY(Per accident) S FAV OS ONLY NON-OWNEDUUT DR— �E'tl �8 (Per PROPERTY WAIVER 7V S UMBRELLA LIAB OCCUR EACH OCCURRENCE _ _ $ EXCESS LIAB CLAIMS-MADE AGGREGATE $ DED RETENTION$ $ WORKERS COMPENSATION PER OTH- AND EMPLOYERS'LIABILITY Y/N STATUTF FR ANY OFFICER/MEMBER EXCLUDED?ECUTIVE N/A E.L.EACH ACCIDENT S (Mandatory in NH) E.L.DISEASE-EA EMPLOYEE S If yes,describe under DESCRIPTION OF OPERATIONS below E.L.DISEASE-POLICY LIMIT $ DESCRIPTION OF OPERATIONS/LOCATIONS/VEHICLES (ACORD 101,Additional Remarks Schedule,may be attached if more space is required) CERTIFICATE HOLDER CANCELLATION MCBCCOM SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NONCE WILL BE DELIVERED IN Monroe County Board of County ACCORDANCE WITH THE POLICY PROVISIONS. Commissioners 1100 Simonton Street AUTHORIZED REPRESENTATIVE Key West, FL 33040 ACORD 25(2016/03) ©1988-2015 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD ACORO® CERTIFICATE OF LIABILITY INSURANCE DATE (MM/DDIYYYY) 4/4/2018 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 have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER SUNZ Insurance Solutions, LLC. ID: (Kymberly) c/o Kymberly Group Payroll Solutions, Inc. 3218 E. Colonial Drive, Ste F Orlando , FL 32803 CONTACT NAME: Phil Martina PHONE FAX C No): AIc No Ext : 407-228-6428 VC, E-MAIL ADDRESS: INSURER(S) AFFORDING COVERAGE NAIC # INSURERA: SUNZ Insurance Company 34762 INSURED Kyymberly Group Payroll Solutions, Inc. 3218 E Colonial Drive INSURER B : INSURERC: INSURERD: Suite F Orlando FL 32803 INSURER E: INSURER F: COVERAGES CERTIFICATE NUMBER, 111017197 RFVISIr)N NIIMRFR- 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 IANSD SWVD POLICY NUMBER EFF MM DDUBR Y/YYYY XP POLICY EYYY /YMMIDD LIMITS COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE $ CLAIMS -MADE OCCUR PREMI ETORENTED PREMISES Ea occurrence $ MED EXP (Any one person) $ PERSONAL & ADV INJURY $ GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $ POLICY PRO JECT ❑ LOC PRODUCTS - COMP/OP AGG $ $ OTHER: AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT Ea accident $ BODILY INJURY (Per person) $ ANY AUTO OWNED SCHEDULED AUTOS ONLY AUTOS BODILY INJURY (Per accident) $ HIRED NON -OWNED AUTOS ONLY AUTOS ONLY PROPERTY DAMAGE Per accident $ UMBRELLA LIAB HCLAIMS-MADE OCCUR EACH OCCURRENCE S AGGREGATE $ EXCESS LIAB DED I I RETENTION$ $ A WORKERS COMPENSATION AND EMPLOYERS' LIABILITY Y / N WC010-00001-018 3/1/2018 3/1/2019 �/ STATUTE ERH E.L. EACH ACCIDENT $ 1,000,000 ANYPROPRIETOR/PARTNER/EXECUTIVE OFFICER/MEMBEREXCLUDED? NIA E.L. DISEASE - EA EMPLOYEE $ 1 0 0 (Mandatory in NH) If yes, describe under DESCRIPTION OF OPERATIONS below E.L. DISEASE - POLICY LIMIT 1 $ 1 000 000 DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, maybe attached if more space is required) Coverage provided for all leased employees but not subcontractors of: Florida Keys Society for the Prevention of Cruelty to Animals, Inc Client Effective: 6/30/2014 1 APP V R NAGEMENT O ' +1 WAIVE N/ lES, CC ' - (� CERTIFICATE HOLDER CANCELLATION Monroe County 1100 Simonton Street Key West FL 33040 G c- 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 Glen J Distefano ©1988-2015 ACORD CORPORATION. All rights reserved. ACORD 25 (2016/03) The ACORD name and logo are registered marks of ACORD 41197327 1 Kymberly Group Payroll PEO 010 MASTER CERT I Phil Martina 1 4/4/2018 10:15:59 AM (CDT) I Page 1 of 1 _____.....'1 FLOR -46 OP ID: CH ACOR DATE (MM/DD/YYYY) 4.......---- CERTIFICATE OF LIABILITY INSURANCE 11/06/2018 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 have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER 305 -294 -7696 CONTACT Atlantic Pacific -Key West PHONE 305 - 294 -7696 I FAX ) 305 - 294 -7383 1010 Kennedy Dr, Suite 203 (A/C, No, E# ): (A/C, No): Key West, FL 33040 mass: chemandez @apins.com Christine Y. Hernandez INSURER(S) AFFORDING COVERAGE NAIC # INSURER A:Mt. Hawley Insurance Co. 37974 INSURED Florida Keys S.P.C.A. INSURERB: 5230 College Rd Key West, FL 33040 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 TYPE OF INSURANCE ADDL SUBR POUCY NUMBER POLICY EFF POLICY EXP LIMITS LTR INSD MD IMMIDD/YYYY) IMMIDD/YYYY) A X COMMERCIAL GENERAL UABILITY EACH OCCURRENCE $ 1,000,000 CLAIMS -MADE OCCUR OPC0001177 11/29/2016 12/01/2018 DAMAGE TD RENTED Y PREMISES (Ea occurrence) $ X Owner /Cont Prot. MED EXP (Any one person) $ PERSONAL BADV INJURY $ GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $ 2,000,000 POLICY JECT LOC PRODUCTS- COMP /OPAGG $ OTHER: $ AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT (Ea accident) $ ANY AUTO BODILY INJURY (Per person) $ OWNED SCHEDULED AUTOS ONLY AUTOS BODILY INJURY (Per accident) $ A IRFf oN pW p PROPERTY D UTOS ONLY —AUTOS ONLY (Per accdent) AMAGE $ APP VED 31Y 1113K + , AOEMENT $ UMBRELLA UAB OCCUR EACH OCCURRENCE $ EXCESS UAB CLAIMS MADE BY I a — '� - X AGGREGATE $ DED RETENTION$ F�ATP. 1 1 (J $ WORKERS OY LIABILITY Y / N WAIV � vt --– SERTUTE O H ANY PROPRIETOR/PARTNER /EXECUTIVE E.L. EACH ACCIDENT $ OFFICER/MEMBER EXCLUDED? N / A a..., (Mandatory In NH) I E.L. DISEASE - EA EMPLOYEE $ If yes, describe under DESCRIPTION OF OPERATIONS below , J , E.L. DISEASE - POLICY LIMIT $ DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space Is required) re: 5711 College Rd, Key West, FL 33040 - Monroe County Board of County Commissioners CERTIFICATE HOLDER CANCELLATION MCBCCOM SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN Monroe County Board of County ACCORDANCE WITH THE POLICY PROVISIONS. Commissioners 1100 Simonton Street AUTHORIZED REPRESENTATIVE Key West, FL 33040 Qjli 1 ACORD 25 (2016/03) © 1988-2015 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD c � cc: "' -u4A. �..11 FLOR -46 OP ID: CH 4 RO° CERTIFICATE OF LIABILITY INSURANCE DATE(MM/ 46.------ 11/06!22018 018 ) THIS CERTIFICATE 15 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 have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER 305 - 294 -7696 CONTACT Atlantic Pacific -Key West PHONE 305 - 294 -7696 I FAX ) 305 - 294 -7383 1010 Kennedy Dr, Suite 203 (A/C, No, Ext): (A/C, No): Key West, FL 33040 ADDRE chernandez @apins.com Christine Y. Hernandez INSURER(S) AFFORDING COVERAGE NAIC # INSURER A : Mt. Hawley Insurance Co. 37974 INSURED Florida Keys S.P.C.A. INSURER B: 5230 College Rd Key West, FL 33040 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 T YPE OF INSURANCE ADDL SUBR) P OLICY NUMBER POLICY EFF POLICY EXP LIMITS LTR INSD WVD IMMIDD/YYYY) IMMIDDIYYYYI A X COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE $ 1,000,000 CLAMS-MADE OCCUR OP C0001177 11/29/2016 12/01/2018 DAMAGE TO RENTED Y PREMISES (Ea occurrence) $ X Owner /Cont Prot. MED EXP (Any one person) $ PERSONAL & ADV INJURY $ GE 'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE _ $ 2,000,000 POLICY LOC PRODUCTS - COMP/OP AGG $ OTHER: $ AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT _ (Ea accident) $ ANY AUTO BODILY INJURY (Per person) $ OWNED SCHEDULED AURTEO�S ONLY AUUT p NLY }/ ' AP - VED � -Y ISK 6lIA IV{�+IT BODILY INJURY (Per accident) $ AUTOS ONLY -AUTN O � -- r` ' 0:16 (PeOr eandentDAMAGE $ UMBRELLA LIAB OCCUR 111111111r EACH OCCURRENCE $ _ EXCESS LIAB CLAIMS -MADE WAIVER A . YES.- AG _$ DED RETENTION $ $ WORKERS COMPENSATION �{{��/ V ( � 01 01 STATUTE I ER H AND EMPLOYERS' LIABILITY Y / N - ANY PROPRIETOR/PARTNER /EXECUTIVE l / I E.L. EACH ACCIDENT $ OFFICER/MEMBER EXCLUDED? N / A (Mandatory in NH) j i E.L. DISEASE - EA EMPLOYEE $ If yes, describe under • CO, DESCRIPTION OF OPERATIONS below E.L. DISEASE - POLICY LIMIT $ DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space Is required) re: 5711 College Rd, Key West, FL 33040 - Monroe County Board of County Commissioners CE CATE HOLDE: C..NCEL • T O MCBCCOM SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN Monroe County Board of County ACCORDANCE WITH THE POLICY PROVISIONS. Commissioners 1100 Simonton Street AUTHORIZED REPRESENTATIVE Key West, FL 33040 eliv____________ I ACORD 25 (016/03) © 1988-2015 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD Cc. ------1 FLOR-46 OP ID* C DATE(MM/DDIYYYY) 1110612017 CERTIFICATE OF LIABILITY INSURANCE 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 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 endorsements . PRODUCER 305-294-7696 Atlantic Pacific -Key West 1010 Kennedy Dr, Suite 203 Key West, FL 33040 CONTACT PHONE 305-294-7696 FAX 305-294-7383 (A/C, No, Ext): (A/C, No): ADUREss: chernandez@apins.com Richard Horan INSURERS AFFORDING COVERAGE NAIC # INSURERA:Penn- America Insurance Co 32859 INSURED Florida Keys S.P.C.A. INSURER B : Progressive Express 10193 5230 College Rd Key West, FL 33040 Aon Services Group INSURER C : p INSURER D:Old Dominion Insurance Co. 40231 INSURER E : INSURER F : rn%IPRAfARS CPRTIRIf _ATG k11 RAM1717- DC\ncinki sn IRROCO. THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR TYPE OF INSURANCE ADDL SUB POLICY NUMBER POLICY EFF POLICY EXP LIMITS A X COMMERCIAL GENERAL LIABILITY CLAIMS -MADE [�] OCCUR X PAV0129613 07/01/2017 07/01/2018 EACH OCCURRENCE $ 2,000,000 DAMAGE TOISES aE Tccace $ 300,000 MED EXP (Any oneperson) $ 5,000 PERSONAL & ADV INJURY $ 2,000,600 GEN'L AGGREGATE LIMIT APPLIES PER: POLICY ❑ JECT LOC GENERAL AGGREGATE $ 2,000,000 PRODUCTS- COMP/OP AGG $ included $ OTHER: B AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT Ea accident 1,000,000 $ BODILY INJURY Perperson) $ ANY AUTO X 06456464-9 06/30/2017 06/30/2018 OWNED X SCHEDULED AUTOS ONLY AUTOS BODILY INJURY Per accident $ 'PROPERTY DAMAGE Per accident $ HIRED NON -OWNED AUTOS ONLY AUTOS ONLY $ UMBRELLA LIAB OCCUR EACH OCCURRENCE $ AGGREGATE $ EXCESS LIAB CLAIMS -MADE DED I I RETENTION $ WORKERS COMPENSATION AND EMPLOYERS' LIABILITY Y / N ANY PROPRIETOR/PARTNER/EXECUTIVE OFFICER/MEMBER EXCLUDED? (Mandatory in NH) If yes, describe under N I A PER OTH- STATUTE R E.L. EACH ACCIDENT $ E.L. DISEASE - EA EMPLOYEE $ DESCRIPTION OF OPERATIONS below E.L. DISEASE - POLICY LIMIT $ C Director &Officers NFP0125245700 07/01/2017 07/01/2018 D&O AGG 1,000,000 D Bond F1710602 06/28/2017 06/28/2018 Bnd Blnkt 100,000 DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) PRO D EMENT - WAN /A Y S CC Monroe County Board of County Commissioners 1100 Simonton Street Key West, FL 33040 MCBCCOM SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. REPRESENTATIVE ACORD 25 (2016/0 C.C,11 @ 1988-2015 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD O ° CERTIFICATE OF LIABILITY INSURANCE DATE (MM /DD/YYYY) 3/6/2015 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 SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER SUNZ Insurance Solutions, LLC. ID: (Kymberly) NAME Phil Martha C/o Kymberly Group Payroll Solutions, Inc. PHONE FAx 3218 E. Colonial Drive, Ste F E-MA 407- 228 -6428 Arc No Orlando, FL 32803 ADDRESS: I iNJUKEK(5) AFFORDING COV ERAGE I NAIC # I INSURED Z mberly Group Payroll Solutions Inc. INSURER B: Asp Re - London - Best Ratin "A" 8 E Colonial Drive INSURER C: Catlin Syndicate - Lloyds - Best Ratin "E Suite F INSURER D: Brit Syndicate - Lloyds - Best Rating "A" Orlando FL 32803 COVERAGES CERTIFICATE NUMBER: 23740835 _ REVISION NUMBER: w — i v � zm it r i rim i 1 nt rvuUts Ut- INSUKANGE 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 ADDL UBR POLICY EFF POLICY EXP LTR TYPE OF INSURANCE POLICY NUMBER MM /DD/YYYY MM /DD/YYYY LIMITS COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE $ CLAIMS -MADE OCCUR PREMISES Ea occurrence $ APPRU I GENIM MED EXP (Any one person) $ DA �L PERSONAL & ADV INJURY $ GEN'L AGGREGATE LIMIT APPLIES PER: N/ S /'A GENERAL AGGREGATE $ 'r f POLICY ECT u LOC PRODUCTS - COMP /OP AGG $ OTHER. AUTOMOBILE LIABILITY MBIN D INGLE LIMI $ Ea accident ANY AUTO BODILY INJURY (Per person) $ ALL OWNED SCHEDULED BODILY INJURY (Per accident) $ AUTOS AUTOS HIREDAUTOS AU OS ED PROPERTY DAMAGE Per accident $ UMBRELLA LIAR H OCCUR EACH OCCURRENCE $ EXCESS LIAB CLAIMS -MADE AGGREGATE $ DED RETENTIONS $ A WORKERS COMPENSATION WCPE0000015203 3/1/2015 3/1/2016 PER ' ER H AND EMPLOYERS' LIABILITY Y / N ✓ STATUTE E.L. EACH ACCIDENT $ 1,000,000 ANY PROPRIETOR/PARTNER/EXECUTIVE OFFICERIMEMBER EXCLUDED? ❑ N/A (Mandatory I If ye s, describe under und er E.L. DISEASE - EA EMPLOYE $ 1,000,000 E.L. DISEASE - POLICY LIMIT I $ 1,000,000 DESCRIPTION OF OPERATIONS below B Workers Compensation I This is for informational purposes C Excess Coverage and nothing shall create any right D under such reinsurance. DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, maybe attached If more space is required) Coverage provided for all leased employees but not subcontractors of: Florida Keys Society for the Prevention of Cruelty to Animals, Inc Client Effective: 6/30/2014 Reference site : Monroe County BOCC ��_i Monroe County BOCC 1100 Simonton St. Key West FL 33040 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 Glen J Distefano ACORD 25 (2014/01) W 1a5s -ZU14 ACUKD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD CERT NO.: 23740835 Melinda Lynch 3/6/2015 1:56:00 PM (CST) Page 1 of 1 FLOR -46 OP ID: CH '`�� R� tTIFICATE OF LIABILITY INSURANCE DA 0613 012 01 YY) F 0613012014 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(les) must be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder In lieu of such endorsement(s). PRODUCER Atlantic Pacific -Key West 1010 Kennedy Dr, Suite 203 Key West FL 33040 Richard Poran CONTACT I PH F WC No EM 305 -294 -7696 ( )a. No) 305- 294 -7383 E- MAIL SS: chernandez@ INSURER(S) AFFORDING COVERAGE NAIC it INSURER A : Penn- America Insurance Co 32859 INSURED Florida Keys S.P.C.A. INSuRERB: Progressive Express 02962 Connie 5230 College Rd INSURERC:Old Dominion Insurance Co. 40231 INSURER D: PAC7037714 Key West, FL 33040 INSURER E : PREMISES Ea occurrence INSURER F MED EXP (Any one person) 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 00 Simonto st 14V L— - mr bioz ACCORDANCE WITH THE POLICY PROVISIONS. POLICY NUMBER MMIDD MMIDDIYMI LIMITS A X COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE $ 2,000,00 CLAIMS - MADE a OCCUR X PAC7037714 07!0112014 07/01/2015 PREMISES Ea occurrence $ 300,00 MED EXP (Any one person) $ 5,00 A X Vet Professional PERSONAL & ADV INJURY $ 2 , 0 00,00 GEN'L AGGREGATE LIMIT APPLIES PER GENERAL AGGREGATE $ 2,000,00 X POLICY [_ PRO r LOC JECT PRODUCTS- COMPIOP AGG $ included Yet Prof. $ 1,000,00 OTHER AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT Ea accident $ 1,000,00 B ANY AUTO X 064564546 06/30/2014 06/30/2015 BODILY INJURY (Per person) $ ALL OWNED SCHEDULED AUTOS AUTOS BODILY INJURY (Per accident) $ HIRED AUTOS NON -OWNED AUTOS PROPERTY DAMAGE Per accident $ UMBRELLA LIAB OCCUR EACH OCCURRENCE $ AGGREGATE $ EXCESS LIAB CLAIMS -MADE DED I I RETENTION $ $ WORKERS COMPENSATION AND EMPLOYERS' LIABILITY YIN ANY PROPRIETORIPARTNERIEXECUTIVE OFFICERIMEMBER EXCLUDED? NIA PER OTH- STATUTE I I ER E.L. EACH ACCIDENT $ E.L. DISEASE - EA EMPLOYEE $ (Mandatory In NH) If yes, describe under E.L. DISEASE- POLICY LIMIT $ DESCRIPTION OF OPERATIONS below C Fidelity Bond F1710602 0612612014 06/26/2015 Empl Die. 100,00 DESCRIPTION OF OPERATIONS I LOCATIONS 1 VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached If more PP *lsquired) WAIVEE cc _�, te CERTIFICATE HOLDER H 9 d '1 1111 55m5w CANCELLATION 1 3 *813 '101 MCBCCOM -- - - - - - -- - - - - -- SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE tY Board of Co Monroe County THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN 00 Simonto st 14V L— - mr bioz ACCORDANCE WITH THE POLICY PROVISIONS. AUTHORIZED REPRESENTA eLt' Key West, FL 33040 000038 803 03113 O 1988 -2014 ACORD CORPORATION. All rights reserved. ACORD 25 (2014101) The ACORD name and logo are registered marks of ACORD FLOR -46 OP ID: CH ,a►CO CERTIFICATE OF LIABILITY INSURANCE liblaiii DATE(MMIDDNYYY) 1 0710112015 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 SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER Atlantic Pacific -Key West 1010 Kennedy Dr, Suite 203 Key West, FL 33040 C ONTAC T NAME: P HONE 305 -294 -7696 AIC 1 305-294-7383 Afc No Ext ADDRESS: chernandez@apins.com Richard Horan INSURER(S) AFFORDING COVERAGE NAIC 0 INSURERA:Penn A m erica Insurance CO 32859 INSURED Florida Keys S.P.C.A. INSURERS: Progressive Express 02962 5230 College Rd Key West, FL 33040 INSURER C:Old Dominion Insurance Co. 40231 INSURER D INSURER E : 07101/2015 07/01/2016 INSURER F: PREMISES Ea occurrence $ 300,000 rnvcDer_cc CERTIRCATE 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. ILTR TYPE OF INSURANCE INSD S lav Nd z N nr si POLICY NUMBER PO LICY MMIDDfYYYY POLICY XP MMIDDIYYYY LIMITS A X COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE $ 2,000,000 CLAIMS -MADE a OCCUR X PAV0062413 07101/2015 07/01/2016 PREMISES Ea occurrence $ 300,000 MED PCP (Any one person) $ 5,00 PERSONAL & ADV INJURY $ 2,000,00 GEN'L AGGREGATE LIMIT APPLIES PER GENERAL AGGREGATE $ 2,000,00 PRODUCTS - COMPIOPAGG $ included PRO- POLICY � JECT LOC @t Prof. $ 1,000,00 OTHER LIMIT Ea $ 1 , 000,00 0 AUTOMOBILE LIABILITY ac ident SINGLE BODILY INJURY (Per person) $ B ANY AUTO X 064564547 06/30/2015 06/30/2016 BODILY INJURY (Per accident) $ ALL OWNED X SCHEDULED AUTOS AUTOS NON -OWNED PROPERTY DAMAGE Per accident $ HIRED AUTOS AUTOS UMBRELLA LIAR OCCUR EACH OCCURRENCE $ AGGREGATE $ EXCESS LIAB CLAIMS -MADE DIED I I RETENTION $ $ ER 0 H- WORKERS COMPENSATION STATUTE ER AND EMPLOYE RS'LABILITY YIN ANY PROPRIETOR RlEXECUTIVE E.L. EACH ACCIDENT $ E L DISEASE - EA EMPLOYEE $ (Mandatory OFFICERWEMBER EXCLUDED? F-1 (Mandatory in Ni NH) NIA E L DISEASE - POLICY LIMIT $ If yes, describe under DESCRIPTION OF OPERATIONS below C Bond F1710602 06/26/2015 06/26/2016 Employee 100,000 Dishonest DESCRIPTION OF OPERATIONS I LOCATIONS I VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached If more space Is required) AP N GEN)E WAIVE N/A E P ffnTICI#`ATC Uf%l MUD " :'�' —1. CANCPI I OTION <rGr�llrltr/11G nvLV LI\ - ••••--- -"'--- MCBCCOM SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE Monroe County Board of Commissioners S lav Nd z N nr si THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. 1100 Simonton Street ;. Key West, FL 33040 Jd0338 80J 031 AUTHORIZED REPRESENTATIVE © 1988 -2014 ACORD CORPORATION. ION. All rights reserved. ACORD 25 (2014/01) The ACORD name and logo are registered marks of ACORD CSR: CH ACO/t DATE (MMIDDNYYY) EVIDENCE OF PROPERTY INSURANCE 07/0112015 THIS EVIDENCE OF PROPERTY INSURANCE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE ADDITIONAL INTEREST NAMED BELOW. THIS EVIDENCE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS EVIDENCE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE ADDITIONAL INTEREST. AGENCY PHONE 305 -294 -7696 COMPANY A!C No E : of London Atlantic Pacific -Key West Lloyd's 1010 Kennedy Dr, Suite 203 1 Lime St. Key West, FL 33040 London Richard Horan CODE: SUB CODE: AGENCY FLOR -46 CUSTOMER ID N: INSURED LOAN NUMBER POLICY NUMBER BOFTL156B8 Florida Keys S.P.C.A. EFFECTIVE DATE EXPIRATION DATE CONTINUED UNTIL 5230 College Rd 1 07112115 07112/16 n TERMINATED IF CHECKED Key West, FL 33040 I THIS REPLACES PRIOR EVIDENCE DATED LOCATIONDESCRIPTION 5230 College Rd Key West, FL 33040 Animal shelter 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 EVIDENCE OF PROPERTY INSURANCE 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. COVERAGE INFORMATION COVERAGE I PERILS I FORMS AMOUNT OF INSURANCE DEDUCTIBLE Premise 1 Building 1 ADDITIONAL INSURED BUILDING XWND 120000 100 CONTENTS XWND 26000 100 PROP IN TRANS XWND 10000 100 THEFT EXCLUDE 5230 COLLEGE Rd- Key West Premise 2 Building 1 BUILDING XWND 220000 100 XTHEFT 21251 OLD State Rd- Cudjoe Key it4a "ChA1.4- 0j;CwV_ 9 tA_1_, - p"j 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. Annl'nf%KIAI IKITCDCQT . x,%n -. ntwi nu NAME AND ADDRESS '�� ' .A 1 MORTGAGEE X ADDITIONAL INSURED X I LOSS PAYEE LOAN # Monroe County Board of {S �' wd ZE County Commissioners O+ 1100 Simonton St Key West, FL 33040 �]}}�� �o� AUTHORIZED EPRESENTATIVE a� Q( ACORD 27 (2009112) © 1993 -2009 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD EVIDENCE OF PROPERTY INSURANCE PROPERTY SCHEDULE 07!01/2015 PAGE 2 PROPERTY INFORMATION LO CATIO ND ESCRI PTIO N 21251 Old State Rd 4A Cudjoe Key, FL 33042 Dwelling - single family- no pool PROPERTY INFORMATION LO CATIO NID ESCRI PTION PROPERTY INFORMATION LOCATIO ND ESCRI PTIO N PROPERTY INFORMATION LOCATIO ND ESCRI PTIO N PROPERTY INFORMATION LO CATIO NID ESCRI PTIO N PROPERTY INFORMATION LOCATIO NID ESCRI PTIO N PROPERTY INFORMATION LOCATIO NID ESCRI PTIO N ow PROPERTY INFORMATION �11 LO CATIO NIDESCRI PTIO N OS +i Wd Z� Nttf SIOZ ATTACH TO EVIDENCE OF PROPERTY APPLICATION FLOR -46 OP ID: KEE ACORO� CERTIFICATE OF LIABILITY INSURANCE F DATE (MM/DD/YYYY) 07/25/2016 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 SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER Atlantic Pacific -Ke West 1010 Kennedy Dr, Suite 203 Key West, FL 33040 Richard Horan NAME: Richard Horan PHONE FAX Alc No Et) 305 - 294 - 7696 A/c N . I: 305 - 294 - 7383 n DRESS: rhoran@ apins.com INSURER (S) AFFORDING COVERAGE NAIC # INSURERA: America Insurance C o 859 INSURED Florida Keys S.P.C.A INSURER B: Prog ressive Express °� 193 5230 College Rd Key West, FL 33040 INSURER C : Aon Services Group 70 c- C C3 INSURER D:Old Dominion Insurance Co, r ,-I 40231 INSURER E : 07/0112016 07101/2017 INSURER F: PREMISES Ea ccurrence $ 300,000 rnVGQenGC rFRTIFI(' ATF hi IIMRFR• REVISION NtfURER_ --k : THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABQALFOR THE LIC ERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WrrM RESPECT W THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO A" TH RMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. CJO INSR LTR TYPE OF INSURANCE IN SUB POLICY NUMBER MM /DD/YYYY MM POLIC LIMITS A X COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE $ 2,000,00 CLAIMS -MADE F X I OCCUR X PAV0082199 07/0112016 07101/2017 PREMISES Ea ccurrence $ 300,000 MED EXP (Any one person) $ 5,00 PERSONAL & ADV INJURY $ 2,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $ 2,000,00 PRODUCTS - COMP /OP AGG $ included PRO - POLICY 7 PRO LOC $ OTHER: AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT Ea accident $ 1,000,000 BODILY INJURY (Per person) $ B AUTO X 064564547 06/3012016 0613012017 BODILY INJURY (Per accident) $ I ANY ALL OWNED X SCHEDULED AUTOS NON -OWNED HIRED AUTOS AUTOS PROPERTY t $ UMBRELLA LIAB OCCUR EACH OCCURRENCE $ AGGREGATE $ EXCESS LUAB CLAIMS -MADE DED RETENTION $ $ WORKERS COMPENSATION AND EMPLOYERS' LIABILITY YIN ANY PROPRIETOR /PARTNER /EXECUTIVE PER OTH- STATUTE ER E.L. EACH ACCIDENT $ OFFICER/MEMBER EXCLUDED? ❑ (Mandatory in NH) NIA E.L. DISEASE - EA EMPLOYEE $ E.L. DISEASE - POLICY LIMIT $ If yes, describe under DESCRIPTION OF OPERATIONS below C Director &Officers NOA1311787 07/01/2016 07101/2017 D &O AGG 1,000,000 D Bond F -01- 710602 -Y 06/2612016 06126/2017 Bnd Blnkt 100,00 DESCRIPTION OF OPERATIONS I LOCATIONS I VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached If more space is requ ) Kennels- Loc 1 Kennels- Loc 1 APPR D GEMEM BY 1 � L WAIV A E i � Q C.0 . — d rFRTIFIrOTF wni IIFR CANCELLATION ©1988 -2014 ACORD CORPORATION. All rights reserved. ACORD 25 (2014/01) The ACORD name and logo are registered marks of ACORD SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE Monroe County Board of County THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. Commissioners 1100 Simonton Street AUTHORIZED REPRESENTATIVE Key West, FL 33040 Richard Horan ©1988 -2014 ACORD CORPORATION. All rights reserved. ACORD 25 (2014/01) The ACORD name and logo are registered marks of ACORD ACOROe CERTIFICATE OF LIABILITY INSURANCE DATE IMWDDWYYY) `/' 6/30/2014 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(les)must be endorsed. N SUBROGATION IS WAIVED,subject to the terms and conditions of the policy,certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER ( y y) XPMTACi do Ky Insurance Solutions, Solutions,ID: K mberl B: Phil MaNna Go Kymbedy Group Payroll Inc. PHONE FAX 3218 E. Colonial Drive, Ste F .E-MAILo,exo: 407-2286428 (Arc,Not. Orlando , FL 32803 ADDRESS: INSURER(S)AFFORDING COVERAGE NAIC a INSURER Al SUNZ Insurance Company 34762 INSURED INSURER B: Aspen Re-London-Best Rating"A' Kymberly Group Payroll Solutions, Inc.3218 E Colonial Drive INSURER C: Catlin Syndicate-Lloyds-Ben Rating'A" Suite F INSURER D: Brit Syndicate-Lloyds-Best Rating Orlando FL 32803 INSURERE: INSURER F: COVERAGES CERTIFICATE NUMBER: 20740627 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. IEXP LTR TYPE OF INSURANCE NW.WV➢, POLICY NUMBER (MMNDVMWYI IMMACDIVYYYI LIMITS COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE DAMAGE TO REN1 ED CLAIMS-MADE OCCUR I PREMISES(Ea AP V IMED EXP(Any one person) Q PERSONAL&ADV INJURY GENL AGGREGATE LIMIT APPLIES PER: WAIYR .[ DVS GENERAL AGGREGATE POLICY __ PRO.ECT WC _ L(1'tr1/�j�/���,e���le PRODUCTS-COMP/OR AGG I DIRER:AUTOMOBILE LIABIUTY • Vim• COMBINED SINGLE LIMIT (Ea accident) _ ANY AUTO BODILY INJURY(Per person) ALL OWNED I SCHEDULED BODILY INJURY(Per accident) AUTOS AUTOS PROPERTY DAMAGE i MIRED AUTOS AUTOS (Per acdan)._ UMBRELLA LIAB OCCUR I EACH OCCURRENCE EXCESS LIAR CLAIMS-MADE I AGGREGATE _ __G ATE QED RETENTION$ • A WORMERS COMPENSATION I WCPE0000015202 3/1/2014 3/1/2015 ; i ;MUTE ER _ EMPLOYERS'LIABILITY IN ANY PROPRIETORIPARTNEEXECUTIVE Y RI .:N I A EL.EACH ACCIDENT C 1,000.000 'OFFICERMEMBER EXCLUDED? (Mandatory In NH) EL DISEASE.EA EMPLOYEE B 1,000,000 If yes,describe under DESCRIPTION OF OPERATIONS below E.L.DISEASE-POLICY LIMIT S 1.000,000 B Workers Compensation This is for informational purposes C Excess Coverage and nothing shall create any right D under such reinsurance. • DESCRIPTION OF OPERATIONSI LOCATIONS/VEHICLES ACORD 101.Additional Remarks Schedule,may be attached If more space Is required) Coverage provided or all leased employees but not subcontractors of:Florida Keys Satiety for the Prevention of Cruelty to Animals,inc Client Effective:6/30/2014 Reference site:Monroe County BOCC V14r11Hn033DaWOW CERTIFICATE HOLDER '1 rl .H1 1 1111 CANCELLATION 1123 SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE Monroe County BOCC THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN 1100 Simonton St. I C j I I WV L— m WO/ ACCORDANCE WITH THE POLICY PROVISIONS. Key West FL 33040 oa0338 803 031I3 AUTHORIZED REPRESENTATIVE 'Glen J Distefano I ©1988-2014 ACORD CORPORATION. All rights reserved. ACORD 25(2010/01) The ACORD name and logo are registered marks of ACORD CERT MO.: 20,40627 Phil Marti,:. 6n0/20:4 2:30:4S PM 0oi1 Page 1 o- I