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Hanover Insurance Group- ODF D785344 5701644 b. Glass Expenses. 3. Duties in the Event of Loss or Damage 4. A $500 Deductible applies to all of the a. You must see that the following are done in Additional Property Coverages and the event of loss or damage to Covered Extensions of Coverage scheduled on the Property: Declarations, except Equipment (1) Notify the police if a law may have been Breakdown, unless otherwise indicated in broken. paragraphs 2., 3. or 5. of this section. (2) Give us prompt notice of the loss or 5. A $1,000 Deductible applies to the damage. Include a description of the following Additional Property Coverages property involved. and Extensions of Coverage: (3) As soon as possible, give us a a. Employee Theft (except ERISA description of how, when and where the Compliance); loss or damage occurred. b. Sales Representative Samples; (4) Take all reasonable steps to protect the c. Installation; Covered Property from further damage, and keep a record of your expenses d. Personal Property Off Premises; necessary to protect the Covered e. Personal Property In Transit. Property, for consideration in the 6. The Deductible shown in the Declarations settlement of the claim. This will not increase SECTION I - PROPERTY, C. for the Equipment Breakdown Additional Limits of Insurance. However, we will not Coverage applies to the Additional pay for any subsequent loss or damage Coverage for Equipment Breakdown. resulting from a cause of loss that is not 7. Each Deductible shall be applied a Covered Cause of Loss. Also, if separately, but only to the coverage feasible, set the damaged property aside specified. The total Deductible for all and in the best possible order for losses in one occurrence will be the examination. highest Deductible amount that applies to (5) At our request, give us complete that occurrence. inventories of the damaged and 8. The Business Income Waiting Period undamaged property. Include quantities, shown on the Declarations Page for the costs, values and amount of loss Business Income and Civil Authority claimed. Additional Coverages is applicable in (6) As often as may be reasonably required, addition to a Deductible. permit us to inspect the property proving E. Property Loss Conditions the loss or damage and examine your 1. Abandonment books and records. There can be no abandonment of any Also permit us to take samples of property to us. damaged and undamaged property for inspection, testing and analysis, and 2. Appraisal pp permit us to make copies from your If you and we disagree on the amount of a books and records. covered loss, either may make written (7) Send us a signed, sworn proof of loss demand for an appraisal of the loss. In containing the information we request to this event, each party will select a investigate the claim. You must do this competent and impartial appraiser. The within 60 days after our request. We will two appraisers will select an umpire. If supply you with the necessary forms. they cannot agree, either may request that selection be made by a judge of a court (8) Cooperate with us in the investigation or having jurisdiction. The appraisers will settlement of the claim. state separately the amount of loss. If they (9) Resume all or part of your "operations" fail to agree, they will submit their as quickly as possible. differences to the umpire. A decision agreed to by any two will be binding. Each b• We ma examine any insured under party will: oath, whi e not in the presence a. Pay its chosen appraiser; and of any other insured and at such times as may be reasonably b. Bear the other expenses of the required, about any matter appraisal and umpire equally. If there is an appraisal, we will still retain our right to deny the claim. ew cF IZAMwagzmen ])Msian Jy/ \'x REVIEWED & APPROVED SY.- 391-1003 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permi --� Risk K4anagement Analyst