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JPW Communications Inc. #OBF J373720 01 <br />BUSINESSOWNERS COVERAGE FORM <br />Table of Contents <br />SECTION I — PROPERTY <br />Page <br />Number <br />A. Coverage............................................................................................................................................. <br />4 <br />1. Covered Property.......................................................................................................................... <br />4 <br />2. Property Not Covered................................................................................................................... <br />5 <br />3. Covered Causes of Loss.............................................................................................................. <br />6 <br />4. Limitations..................................................................................................................................... <br />6 <br />5. Additional Coverages................................................................................................................... <br />7 <br />BusinessIncome.......................................................................................................................... <br />10 <br />Business Income from Dependent Properties.............................................................................. <br />17 <br />CivilAuthority................................................................................................................................ <br />13 <br />Collapse........................................................................................................................................ <br />8 <br />Commercial Tools and Small Equipment..................................................................................... <br />27 <br />ComputerEquipment.................................................................................................................... <br />20 <br />Computer and Funds Transfer Fraud........................................................................................... <br />34 <br />DebrisRemoval............................................................................................................................ <br />7 <br />DeferredPayments....................................................................................................................... <br />31 <br />ElectronicVandalism.................................................................................................................... <br />31 <br />Employee Theft including ERISA Compliance............................................................................. <br />18 <br />EquipmentBreakdown................................................................................................................. <br />22 <br />ExtraExpense.............................................................................................................................. <br />12 <br />FineArts....................................................................................................................................... <br />28 <br />Fire Department Service Charge.................................................................................................. <br />8 <br />Fire Protection Equipment Recharge........................................................................................... <br />18 <br />Forgeryor Alteration..................................................................................................................... <br />13 <br />GlassExpenses............................................................................................................................ <br />18 <br />Installation.................................................................................................................................... <br />27 <br />Interruption of Computer Operations............................................................................................ <br />32 <br />Leasehold Interest (Tenants only)................................................................................................ <br />29 <br />Limited Coverage for Fungi, Wet Rot, or Dry Rot........................................................................ <br />33 <br />Moneyand Securities................................................................................................................... <br />21 <br />Money Orders and Counterfeit Money......................................................................................... <br />13 <br />Ordinanceor Law......................................................................................................................... <br />14 <br />Preservation of Property............................................................................................................... <br />8 <br />Pollutant Clean -Up and Removal................................................................................................. <br />12 <br />Rewards —Arson, Theft and Vandalism....................................................................................... <br />20 <br />Sales Representative Samples.................................................................................................... <br />29 <br />Tenant Building Insurance — When Your Lease Requires You to Provide Insurance ................. <br />34 <br />Tenant Business Personal Property Insurance — When Your Lease Requires You to Provide <br />34 <br />Insurance...................................................................................................................................... <br />391-1003 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission. 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