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THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD BUSINESS INCOME FROM OFF -PREMISES OPERATIONS This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Paragraph A.6., Coverage Extensions: Business Income From Off -Premises Operations (1) We will pay for the actual loss of Business Income you sustain and necessary Extra Expense you incur during the "off -premises period of restoration" due to the necessary suspension of your "off -premises operations". The suspension must be caused by direct physical loss of or direct physical damage to Covered Property caused by or resulting from a Covered Cause of Loss. Such Covered Property must be in your care, custody, or control and more than 1,000 feet away from the "scheduled premises" (including while in transit) but located within the Coverage Territory. However, this Coverage Extension does not apply to: (a) Any loss or damage to Covered Property located at a newly acquired or constructed location; or (b) At any location you own or lease which is not a "scheduled premises". (2) Business Income means the: (a) Net Income (Net Profit or Loss before income taxes) that would have been earned or incurred if no direct physical loss or direct physical damage had occurred, but not including any Net Income that would likely have been earned as a result of an increase in the volume of business due to favorable business conditions caused by the impact of the Covered Cause of Loss on customers or on other businesses; and (b) Continuing normal operating expenses incurred, including payroll expenses. (3) Payroll expenses include: (a) Payroll; (b) Employee benefits; if directly related to payroll; (c) FICA payments you pay; (d) Union dues you pay; and (e) Workers' compensation premiums. (4) Extra Expense means expense incurred: (a) To avoid or minimize the suspension of business and to continue "off -premises operations"; (b) To minimize the suspension of business if you cannot continue "off -premises operations"; or (c) To: (i) Repair or replace any property; or (ii) Research, replace or restore the lost information on damaged "valuable papers and records"; to the extent it reduces the amount of loss that otherwise would have been payable under this Coverage Extension. (5) Extra Expense does not apply to: (a) Any deficiencies in insuring Building or Business Personal Property; or (b) Any expense related to any recall of products you manufacture, handle or distribute. (6) Coverage Extension for Extended Business Income. eGF �D Form SP 30 45 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— ---- r skPjanagementAnalpt