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CNA CNA PARAMOUNT Business Property Coverage Part b. the actual loss of research and development business income the Named Insured sustains during the period of restoration due to the necessary suspension or delay of research and development projects; and c. extra expense, as a result of compliance with an ordinance or law that requires the clean up or removal of contaminants or pollutants from land or water at a location or reported unspecified location as a direct result of a covered peril. 3. The most the Insurer will pay for all loss, cost or expense combined under this ADDITIONAL COVERAGE at any one location or reported unspecified location for any one occurrence is the Contaminants or Pollutant Clean Up and Removal Coverage — Property Damage and Time Element Combined Limit of Insurance. B. Contamination by a Refrigerant Coverage 1. The Insurer will pay for direct physical loss of or damage to personal property caused by the release or escape of refrigerants from any refrigeration equipment at a location or reported unspecified location provided the release or escape was not caused by or resulting from earthquake or flood, even if those are otherwise covered perils. 2. The most the Insurer will pay for loss or damage under this ADDITIONAL COVERAGE at any one location or reported unspecified location for any one occurrence is the Contamination by a Refrigerant Coverage Limit of Insurance. The Limit for this ADDITIONAL COVERAGE is included in, and not in addition to, any other applicable Personal Property Coverage Limit of Insurance. 3. The Contaminants or Pollutants Excluded Peril under the EXCLUSIONS section does not apply, but only to the extent of the coverage provided under this ADDITIONAL COVERAGE. C. Contractual Penalties Coverage 1. The Insurer will pay for contractual penalties specified in a written contract that the Named Insured incurs for material breach of the terms of such contract where such breach is the result of direct physical loss of or damage to covered property directly caused by a covered peril. 2. The most the Insurer will pay for such contractual penalties under this ADDITIONAL COVERAGE for any one occurrence is the Contractual Penalties Coverage Limit of Insurance. D. Denial of Access Coverage To the extent time element coverage is applicable at that location or reported unspecified location, the following coverages apply at the location or reported unspecified location where the suspension or delay of operations occurs: 1. Civil Authority a. For up to the number of days shown on the Business Property Schedule of Coverages and Limits, the Insurer will pay, as provided, for: i. The actual loss of business income the Named Insured sustains during the period of restoration due to the necessary suspension or delay of operations; ii. the actual loss of research and development business income the Named Insured sustains during the period of restoration due to the necessary suspension or delay of the research and development projects; and iii. extra expense, CNA62648XX 10-15 Copyright CNA All Rights Reserved. �oRaN Risk MmRgemerdDivisiun cREVIEWED & APPROVED BY. - Risk Management Analyst