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COMMERCIAL GENERAL LIABILITY <br />CGL 088 (02 21) <br />CGL 088 (02 21) Includes copyrighted material of the Insurance Services Office, Inc., with its permission. Page 8 of 14 <br />Copyright 2020 FCCI Insurance Group <br />notification of the action taken, you shall promptly reimburse us for such part of the deductible amount as <br />has been paid by us. <br />5. Cost Factor <br />In the event of a covered loss, you shall, if requested by us, replace the damaged property or furnish the <br />labor and materials necessary for repairs thereto at your actual cost, excluding profit or overhead <br />charges. <br />The insurance under COVERAGE G does not apply if a loss is paid under COVERAGE F. <br />COVERAGE H. LOST KEY COVERAGE <br />1. Insuring Agreement <br />We will pay those sums, subject to the limits of liability described in SECTION III LIMITS OF INSURANCE <br />in this endorsement and the deductible shown below, that you become legally obligated to pay as <br />damages covered by this endorsement are limited to the: <br />a. Actual cost of the keys; <br />b. Cost to adjust locks to accept new keys; or <br />c. Cost of new locks, if required, including the cost of installation. <br />2. Exclusions <br />This insurance does not apply to: <br />a. Keys owned by any insured, employees of any insured, or anyone acting on behalf of any insured; <br />b. Any resulting loss of use; or <br />c. Any of the following acts by any insured, employees of any insured, or anyone acting on behalf of any <br />insured: <br />1) Misappropriation; <br />2) Concealment; <br />3) Conversion; <br />4) Fraud; or <br />5) Dishonesty. <br />3. Deductible <br />insurance will not be reduced by the application of the deductible amount. <br />We may pay any part or all of the deductible amount to effect settlement of any claim or "suit" and, upon <br />notification of the action taken, you shall promptly reimburse us for such part of the deductible amount as <br />has been paid by us. <br />EXPANDED COVERAGE FOR TE <br />The first paragraph after subparagraph (6) in Exclusion j., Damage to Property is amended to read as follows: <br />Paragraphs (1), (3) and (4) of this exclusion do not apply to "property damage" (other than damage by fire) <br />to premises, including the contents of such premises, rented to you. A separate limit of insurance applies <br />to Damage To Premises Rented To You as described in Section III Limits Of Insurance. <br />DocuSign Envelope ID: 4CA39642-7EA6-465D-B4BF-C9C28F49D660