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Policy No. 6620828 Agent No. 0320055 <br />19360 03 25 Includes copyrighted material of Insurance Services Office, Inc., with its permission.Page 5 of 12 <br />(2) Ends on the earlier of: <br />(a) The date you could restore your <br />"operations", with reasonable speed, <br />to the level which would generate the <br />"business income" amount that <br />would have existed if no direct and <br />accidental loss or damage had <br />occurred; or <br />(b) 60 consecutive days after the date <br />determined in Paragraph c.(1).How- <br />ever, Extended Business Income <br />Additional Coverage does not apply <br />to loss of "business income" incurred <br />as a result of unfavorable business <br />conditions caused by the impact of <br />the Covered Cause of Loss in the <br />area where "business property" is <br />normally used. Loss of "business <br />income" must be caused by direct <br />and accidental loss or damage to <br />"business property" caused by or <br />resulting from a Covered Cause of <br />Loss. <br />d. Temporary Substitute And Newly <br />Acquired Property <br />The coverage applicable to "business <br />property" under this endorsement is <br />extended to apply to: <br />(1) Property that is used as a temporary <br />substitute for "business property", but <br />only while such "business property" is <br />out of service due to breakdown, repair, <br />servicing, destruction, or direct and <br />accidental loss or damage; <br />(2) Newly acquired property, other than <br />temporary substitute property described <br />in Paragraph d.(1),but only if it serves <br />as a replacement for "business <br />property". <br />2. Covered Causes Of Loss <br />With respects to Business Interruption <br />coverage, the following Covered Causes of <br />Loss apply: <br />a. Comprehensive, meaning any cause of <br />direct and accidental loss or damage <br />except: <br />(1) "Business property's" collision with <br />another object; or <br />(2) "Business property's" overturn. <br />Comprehensive also includes direct and <br />accidental loss or damage caused by falling <br />objects, missiles or hitting a bird or animal. <br />b. Specified Causes of Loss, meaning direct <br />and accidental loss or damage caused by: <br />(1) Fire, lightning or explosion; <br />(2) Theft; <br />(3) Windstorm, hail or earthquake; <br />(4) Flood; <br />(5) Mischief or vandalism; or <br />(6) The sinking, burning, collision or <br />derailment of any conveyance <br />transporting “business property”. <br />c. Collision, meaning direct and accidental <br />loss or damage caused by: <br />(1) "Business property's" collision with <br />another object; or <br />(2) "Business property's" overturn. <br />3. Exclusions <br />We do not provide Business Interruption <br />Coverage under this endorsement: <br />a. When direct and accidental loss or damage <br />is caused by or results from any of the <br />following, regardless of any other cause or <br />event that contributes concurrently or in any <br />sequence to the direct and accidental loss <br />or damage: <br />(1) Nuclear Hazard <br />The explosion of any weapon employing <br />atomic fission or fusion; or Nuclear <br />reaction or radiation, or radioactive <br />contamination, however caused. <br />(2) War Or Military Action <br />(a) War, including undeclared or civil <br />war; <br />(b) Warlike action by a military force, <br />including action in hindering or <br />defending against an actual or <br />expected attack, by any government, <br />sovereign or other authority using <br />military personnel or other agents; or <br />(c) Insurrection, rebellion, revolution, <br />usurped power, or action taken by <br />governmental authority in hindering <br />or defending against any of these. <br />b. When direct and accidental loss or damage <br />to "business property" is caused by or <br />results from "business property" being used <br />in any professional or organized racing or <br />demolition contest or stunting activity, or <br />while practicing for such contest or activity. <br />We also do not provide coverage under this <br />endorsement while that "business property" <br />is being prepared for such contest or <br />activity. <br />Docusign Envelope ID: AFE257DF-70E9-4F30-B47A-A944E856CFAE