2025-579-E-AMS-Boer Brothers Heating & Cooling-Justice Facility Replace 6 Ton HP System

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Policy No. 6620828 Agent No. 0320055 Page 8 of 12 Includes copyrighted material of Insurance Services Office, Inc., with its permission.19360 03 25 6.Additional Definitions As used for Business Interruption Coverage the following definitions are added: a. "Business income" means the: (1) Net Income (Net Profit or Loss before income taxes) that would have been earned or incurred; and (2) Continuing normal operating expenses incurred, including payroll. b. "Business property" means any property necessary for your mobile business that is in or on a covered "auto" regardless if it is permanently installed, including: (1) Electronic equipment; (2) Supplies, furnishings, and equipment not permanently attached to covered "auto". c. "Extra expense" means necessary expens- es (other than the expense to repair or replace property) that you would not have incurred if there had been no direct and accidental loss or damage to "business property". "Extra expense" includes ex- penses which are incurred: (1) To avoid or minimize the "suspension" of "operations" and to continue "opera- tions"; (2) To minimize the "suspension" if you cannot continue "operations"; or (3) For temporary use of other property. d. "Operations" means your off premises or mobile business activities that are dependent on "business property". e. "Period of restoration" means the period of time that: (1) Begins 72 hours after the time of direct and accidental loss or damage for Business Income Coverage, or immediately after the time of direct and accidental loss or damage for Extra Expense Coverage; caused by or resulting from a Covered Cause of Loss to "business property"; and (2) Ends on the earlier of: (a) The date when "business property" should be repaired or replaced with reasonable speed and similar quality; or (b) The date when "operations" are resumed. "Period of restoration" does not include any increased period required due to the enforcement of or compliance with any ordinance or law that: Regulates the use or repair of any property, or requires updated emissions controls or safety features which were not part of "business property" prior to the direct and accidental loss or damage; or requires anyone to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of "pollutants". The expiration date of this Policy will not cut short the "period of restoration". f. "Suspension" means the slowdown or cessation of your "operations". D. Deductible Waived – Multiple Policies With Us For Same Named Insured SECTION III – PHYSICAL DAMAGE COVER- AGE, Paragraph D.2.is deleted and replaced with the following: 2. Regardless of the number of covered "autos" damaged or stolen, the maximum deductible applicable for all "loss", in any one event caused by: a. Theft or mischief or vandalism; or b. All perils, will be the highest deductible applicable to those covered "autos". If the application of the highest deductible is less favorable or more restrictive to the insured than the separate deductibles as applied in the standard form, the standard deductibles will apply. E. Deductible Waived – Collision Of Parked Auto SECTION III – PHYSICAL DAMAGE COVER- AGE, Paragraph D.Deductible is changed by adding the following: The deductible does not apply to "loss" caused by collision to such covered "auto" while it is: 1. In the charge of an "insured"; 2. Legally parked; and 3. Unoccupied. The total amount of the damage to the covered "auto" must exceed the deductible shown in the Declarations or Change Endorsement. This provision does not apply to any "loss" if the covered "auto" is in the charge of any person or organization engaged in the automobile business. Docusign Envelope ID: AFE257DF-70E9-4F30-B47A-A944E856CFAE