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PI -BP -001 (9/05) <br />THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. <br />BUSINESSOWNERS POLICY -ELITE ENHANCEMENT <br />This endorsement modifies insurance provided under the following: <br />BUSINESSOWNERS LIABILITY COVERAGE FORM <br />BUSINESSOWNERS SPECIAL PROPERTY COVERAGE FORM <br />It is understood and agreed that the following extensions only apply in the event that no other specific <br />coverage for the indicated loss exposures are provided under this policy. If such specific coverage applies, <br />the terms, conditions and limits of that coverage are the sole and exclusive coverage applicable under this <br />policy. <br />Throughout this endorsement the words "you" and 'your' refer to the Named Insured shown in the <br />Declarations. The words "we ", "us" and 'bur' refer to the Company providing this insurance. <br />Part 1: Property Coverage Enhancements: <br />The following amendments are a part of the BUSINESSOWNERS SPECIAL PROPERTY <br />COVERAGE FORM: <br />1. Increased Glass Limits <br />Section A. Coverage, item 4.b. is replaced by: <br />b. With respect to glass (other than glass building blocks) that is part of the interior of a building <br />or structure, or part of an outdoor sign, we will not pay more than $3,000 for the total of all <br />loss or damage in any one occurrence. <br />This Limitation does not apply to loss or damage by the "specified causes of loss ", except <br />vandalism. <br />2. Increased Fire Department Service Charge <br />Section A. Coverage, item 5.c. is replaced by: <br />c. Fire Department Service Charge <br />When the fire department is called to save or protect Covered Property from a Covered Cause <br />of Loss, we will pay up to $3,000 for your liability for fire department service charges: <br />(1) Assumed by contract or agreement prior to loss; or <br />(2) Required by local ordinance. <br />3. Reduced Waiting Period and Longer Duration for Civil Authority Coverage <br />Section A. Coverage, item 5.i. is replaced by: <br />Civil Authority <br />We will pay for the actual loss of Business Income you sustain and necessary Extra Expense <br />caused by action of civil authority that prohibits access to the described premises due to direct <br />physical loss of or damage to property, other than at the described premises, caused by or <br />resulting from any Covered Cause of Loss. <br />The coverage for Business Income will begin 48 hours after the time of that action and will <br />apply for a period of up to three consecutive weeks after coverage begins. <br />Page 1 of 5 <br />Includes copyright material of the Insurance Services Office, Inc. used with its permission. <br />