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<br />4. Perils Insured Against
<br />Section II - Perils Insured Against of the
<br />ErieSecure Business Property Coverage Part is delet-
<br />ed and replaced by the following, but only for this
<br />coverage:
<br />This Installation Coverage insures against direct
<br />physical "loss" or damage, except "loss" or damage
<br />as excluded or limited in Exclusions, Paragraph 5.,
<br />but only for this coverage.
<br />5. Exclusions
<br />Section III - Exclusions of the ErieSecure Business
<br />Property Coverage Part is deleted and replaced by the
<br />following, but only for this coverage.
<br />a. Under this Installation Coverage, we do not cov-
<br />er "loss" or damage caused directly or indirectly
<br />by any of the following. Such "loss" or damage
<br />is excluded regardless of any cause or event that
<br />contributes concurrently or in any sequence to
<br />the "loss".
<br />1) Civil Authority
<br />Seizure or destruction of covered property
<br />by order of governmental authority.
<br />However, we will cover "loss" caused by
<br />acts of destruction ordered by governmental
<br />authority to prevent the spread of fire.
<br />2) Earth Movement
<br />a) Earthquake, including tremors and af-
<br />tershocks, and any earth sinking, rising,
<br />or shifting related to such event;
<br />b) Landslide, including any earth sinking,
<br />rising, or shifting related to such events;
<br />c) Mine subsidence, meaning subsidence
<br />of a man-made mine, whether or not
<br />mining activity has ceased; or
<br />d) Earth sinking (other than "sinkhole col-
<br />lapse"), rising, or shifting including soil
<br />conditions which cause settling, crack-
<br />ing, or other disarrangement of founda-
<br />tions, or other parts of realty. Soil con-
<br />ditions include contraction, expansion,
<br />freezing, thawing, erosion, improperly
<br />compacted soil, and the action of water
<br />under the ground surface.
<br />This exclusion applies regardless of whether
<br />any of the above, in Paragraphs 2)a) through
<br />2)d), is caused by an act of nature or is oth-
<br />erwise caused.
<br />But if Earthquake, as described in 2)a)
<br />through 2)d) above, results in fire, explo-
<br />sion, sprinkler leakage, volcanic action, or
<br />building glass breakage, we will pay for the
<br />"loss" or damage caused by such perils.
<br />Volcanic action means direct "loss" or dam-
<br />age resulting from the eruption of a volcano
<br />when the "loss" or damage is caused by:
<br />a) Airborne volcanic blast or airborne
<br />shock waves;
<br />b) Ash, dust, or particulate matter; or
<br />c) Lava flow.
<br />All volcanic eruptions that occur within any
<br />168-hour period will constitute a single oc-
<br />currence.
<br />This does not include the cost to remove
<br />ash, dust, or particulate matter that does not
<br />cause direct "loss" or damage to covered
<br />property.
<br />This exclusion does not apply to property
<br />being transported.
<br />3) Defects, Errors, and Omissions
<br />"Loss" caused by faulty, inadequate, or de-
<br />fective:
<br />a) Planning, zoning, development, or sur-
<br />veying;
<br />b) Design, specifications, workmanship,
<br />repair, construction, renovating, remod-
<br />eling, grading, or compaction;
<br />c) Materials used in repair, construction,
<br />renovation, or remodeling; or
<br />d) Maintenance
<br />of property but if "loss" by a peril insured
<br />against results, we will pay for the ensuing
<br />"loss".
<br />4) Fungus, Wet Rot, Dry Rot, and Bacteria
<br />We will not pay for "loss" or damage caused
<br />by or resulting from "fungus", wet rot, or
<br />dry rot. However, this exclusion does not
<br />apply when "fungus", wet rot, or dry rot re-
<br />sults from a peril insured against.
<br />We will not pay for "loss" or damage caused
<br />by or resulting from any virus, bacterium, or
<br />other micro-organism that induces or is ca-
<br />pable of inducing physical distress, illness,
<br />or disease.
<br />5) Intentional Acts
<br />Intentional loss, meaning any "loss" arising
<br />from an act committed by, or at the direction
<br />of the insured with the intent to cause a
<br />"loss".
<br />DocuSign Envelope ID: 75813A28-6473-488C-94A0-FBC412554362
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