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CNA CNA PARAMOUNT
<br />Business Property Coverage Part
<br />I. Reward Payments Coverage
<br />In the event of direct physical loss of or damage to insured property caused by arson, theft or vandalism, the
<br />Insurer will reimburse the Named Insured for amounts it pays for information leading to the conviction of any
<br />persons responsible for such arson, theft or vandalism. The reward payments must be documented.
<br />However, there is no coverage for a reward payment made to the Named Insured or executive officers.
<br />No deductible applies to this Reward Payments Coverage.
<br />V. EXCLUSIONS
<br />The Excluded Perils shown in Paragraphs A. B. C. and D. below apply to all LOCATION COVERAGES, OFF -SITE
<br />COVERAGES, ADDITIONAL COVERAGES and ADDITIONAL COVERAGE BASKET coverages under the
<br />coverage part unless otherwise stated.
<br />A. Excluded Perils Subject to Concurrent Causation Provisions
<br />With respect to the excluded perils below, the Insurer will not pay for loss of or damage to property directly or
<br />indirectly caused by or resulting from the following causes of loss or events: Biological or Chemical Materials;
<br />Earth Movement; Electronic Vandalism; Flood; Fungi, Wet Rot, Dry Rot and Microbes; Governmental
<br />Action; Nuclear Hazard; Utility Services; and War and Military Action, regardless of: the causes of such
<br />excluded causes or events; other causes of such loss; any other cause or event, whether or not insured under the
<br />coverage part, which may have contributed concurrently, or in any sequence, to produce such loss even if such
<br />other cause or event would otherwise be covered; and whether the event occurred suddenly or gradually,
<br />involved isolated or widespread damage, arose from natural or external sources or acts or omissions, or occurred
<br />as a result of any combination of any such causes or events.
<br />1. Biological or Chemical Materials
<br />The Insurer will not pay for loss or damage caused directly or indirectly by or resulting from the actual or
<br />threatened discharge, dispersal, seepage, migration, release, escape or application of any pathogenic or
<br />poisonous biological or chemical materials.
<br />2. Earth Movement
<br />The Insurer will not pay for loss or damage caused directly or indirectly by or resulting from earth movement.
<br />However, if earth movement results in fire, explosion or theft, the Insurer will pay for that portion of the loss
<br />which was solely caused by such fire, explosion or theft.
<br />3. Electronic Vandalism
<br />The Insurer will not pay for loss or damage caused by or resulting from electronic vandalism.
<br />4. Flood
<br />The Insurer will not pay for loss or damage caused directly or indirectly by or resulting from flood. However, if
<br />flood results in fire, explosion, sprinkler leakage or theft, the Insurer will pay for that portion of the loss which
<br />was solely caused by such fire, explosion, sprinkler leakage or theft.
<br />5. Fungi, Wet Rot, Dry Rot and Microbes
<br />The Insurer will not pay for loss or damage caused directly or indirectly by or resulting from the presence,
<br />growth, proliferation, spread or any activity of fungi, wet or dry rot, or microbes. However, this exclusion
<br />does not apply when fungi, wet or dry rot, or microbes results from fire or lightning.
<br />6. Governmental Action
<br />The Insurer will not pay for loss or damage caused directly or indirectly by or resulting from seizure,
<br />destruction, demolition, expropriation, condemnation, confiscation or nationalization of property by, on behalf
<br />of or at the direction of any governmental authority.
<br />CNA62648XX 10-15
<br />Copyright CNA All Rights Reserved.
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<br />Risk MmRgemerdDivisiun
<br />REVIEWED & APPROVED BY.-
<br />ru4w'L� 11. Yi&4441
<br />Risk Management Analyst
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