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BUSINESSOWNERS COVERAGE FORM Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered. Throughout this Coverage Form the words "you" and "your" refer to the Named Insured shown in the Declarations. The words "we", "us" and 'bur" refer to the company providing this insurance. In SECTION II — LIABILITY, the word "insured" means any person or organization qualifying as such under paragraph C. Who is an Insured. Other words and phrases that appear in quotation marks have special meaning. Refer to paragraph G. Property Definitions in SECTION I — PROPERTY and paragraph F. Liability and Medical Expenses Definitions in SECTION II — LIABILITY. SECTION I — PROPERTY (d) Appliances used for refrigerating, A. Coverage ventilating, cooking, dishwashing We will pay for direct physical loss of or damage to or laundering; Covered Property at the premises described in the (6) If not covered by other insurance Declarations caused by or resulting from any (a) Additions under construction, Covered Cause of Loss. alterations and repairs to the 1. Covered Property buildings or structures; Covered Property includes Buildings as described in paragraph a. below, Business Personal Property as described in paragraph b. below, or both, depending on whether a Limit of Insurance is shown in the Declarations for that type of property. Regardless of whether coverage is shown in the Declarations for Buildings, Business Personal Property, or both, there is no coverage for property described in SECTION I — PROPERTY, A. Coverage, 2. Property Not Covered. a. Buildings, meaning the buildings and structures at the premises described in the Declarations, including: (1) Completed additions; (2) Fixtures, including outdoor fixtures; (3) Permanently installed: (a) Machinery; and (b) Equipment; (4) Your personal property in apartments, rooms or common areas furnished by you as the landlord; (5) Personal property owned by you that is used to maintain or service the buildings or structures or the premises, including: (b) Materials, equipment, supplies and temporary structures, on or within 1,000 feet of the described premises, used for making additions, alterations or repairs to the buildings or structures. (7) Signs, whether or not they are attached to covered buildings or structures; (8) Interior and Exterior Building glass if you are a building owner; (9) Fences and retaining walls located on or within 1,000 feet of a covered building or structure, whether or not attached to buildings or structures, except for retaining walls that are used, in whole or in part, to contain water. b. Business Personal Property located in or on the buildings or structures at the described premises or in the open (or in a vehicle) within 1,000 feet of the building or structures or within 1,000 feet of the premises described in the Declarations, whichever distance is greater, including: (1) Property you own that is used in your business; (a) Fire protection equipment; (2) Property of others that is in your care, custody or control, including the cost (b) Outdoor furniture; of labor, materials or services (c) Floor coverings; and furnished or arranged by you on personal property of others, except as otherwise provided in SECTION I — 391-1003 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 4 of 81