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HomeMy WebLinkAboutInsurance Certificate: SOS Plumbing (3) 13/2017 11:41:10 AM PST (GMT-8) FROM: 100005-TO: 15415522304 Page: 1 of 8 , . . . . . From: Brown & Brown Northwest Y 3256 Hillcrest Park Drive Medford, OR 97504 FAX DOCUMENT Certificate of Insurance Delivery by ecertsonline T" 541-772-1111 www.bbnw.com a..:.. ..,,.._.._...r.., From: Susan Wilson O Subject: Cert No. 34625723 -Certificate of Liability: SOS Plumbing & Drain Service Inc. - < City of Ashland Attn: Dale Peters Date: 3/13/2017 90 N Mountain Avenue Ashland OR 97520 Delivery Via: FAX 15415522304 No. of Pages: 8 THIS MFSSAGE 15 INTENDED FOR THE USE OF THE INCIVIr7UAL OR ENTITY TO WHICH R IS ADDRESSED AND MAY CONTAIN INFORMA71ON THAT LS PRIVILEGED, CONFIDENTIAL AND EXEMPT FROM DISCLOSURE UNDER APPLICABLE LAW. IF THE READER OF THE MESSAGE Is NOT7HE INTENDED RECIPIENT. OR THE EMPLOYEE OR AGENT RESPONSIBLE FOR DELIVERING THE MESSAGE TO THE INTENDED RECIPIENT, YOU ARE HEREBY NOTIFIED THAT ANY DISSEMINATION, DISTRIBUTION OR COPYING OF THIS COMMUNICATION IS STRICTLY PROHIBITED. IF YOU HAVE RECEIVED THIS COMMUNICATION IN ERROR, PLEASE NOTIFY US IMEDIATELY BYTELEPHONEAND RETURN THE ORIGINAL MESSACETO US AT THE ABOVE ADDRESS VIA REGULAR POSTAL SERVICE Certificate of Insurance Delivered by ecertsonlineTM Insurance Visions, Inc. All rights reserved. 3/13/2017 11:41:10 AM PST (GMT-8) FROM: 100005-TO: 15415522304 Page: 2 of B AC4 ® CERTIFICATE OF LIABILITY INSURANCE DATE (MMIDOIYYYY) 3113/2317 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsements . PRODUCER Brown & Brown Northwest NAME: CONTACT E: Susan Wilson 3256 Hillcrest Park Drive PHONE 541-494-2658 C No: 541-494-2758 Medford, OR 97504 E-MAIL ADDRESS' SWIIson bbnw.com INSURERS} AFFORDING COVERAGE NAIC # www.bbnw.com INSURERA : American Hallmark Insurance Company of Texas 43494 INSURED INSURER B : SOS Plumbing & Drain Service Inc. 206 South Pacific Highway INSURER C : Talent OR 97540 INSURE I D : INSURER E : INSURER F : COVERAGES CERTIFICATE NUMBER: 34625123 REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR ADDL SUBR POLIC POLICY EXP LTR TYPE OF INSURANCE IN WV POUCYNUMBER MM1DDY EFF MWDD/"YY LIMITS A COMMERCIAL GENERAL LIABILITY ✓ 44OL44337611 3111/2017 3111/2018 EACH OCCURRENCE $ 1,000,000 CAMAGF TO RENTED CLAIMS-MADE F✓ OCCUR PREMISES Fn occurronco $ 100,000 MED EXP (Any ono porson) $ 5,000 PERSONAL &ADVINJURY $ 1,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $ 2,000,000 PCLCY Jr'=CT El LOG PRODUCTS -GOMPIOPAGG $ 2,000,000 OTHER: A AUTOMOBILE LIABILITY 44CL44337611 3111/2017 31111201$ Fn~ncidonl INL LIM $ 1,000,000 ANYAUTO BODILY INJURY(Porporson) S OWNED SCHEDULED AUTOS ONLY AUTOS BODILY INJURY (Poraccidont) $ HIRED NON-OWNED PROPERTY DAMAGE $ AUTOS ONLY AUTOS ONLY P r nccid nt A ✓ UMBRELLA L.IAB OCCUR 44CU44337711 311112017 3/11/2018 EACH OCCURRENCE $ 1,000,00(3 EXCESS LIAB CLAIMS-MADE AGGREGATE $ 1,300,000 DFD ✓ RFTFNTION 10,000 $ WORKERS COMPENSATION PER 0TH- AND EMPLOYERS' LIABILITY YIN STATU R ANYPROPRIETOR/PARTNERIEXECUCIVE ❑ NIA E.L. EACHACCIDFNT S OFFICEPJMEMBEREXCLUDED7 (Mandatory in NH) F.L. DISEASE - EA EMPLOYEE $ If yos, doscribo under DESCRIPTION OF OPERATIONS bobw F,L DISEASE - POLICY LIMIT $ DESCRIPTION OF OPERATIONS I LOCATIONS I VEHICLES (ACORD 101, AddWonal Remarks Schedule, may be otlachad II'more spew Is roqutrud) General Lability coverage includes Blanket Additional Insured coverage including Primary/Non-contributory, Per Project Aggregate and Waiver of Subrogation when required by written contract per attached endorsement MP97670408. Subject to policy terms, limits, conditions and exclusions. CERTIFICATE HOLDER CANCELLATION Clt of Ashland SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE Attn: Dale Peters ACCORDANCEINTH`IHEPOLICYPROVISIONS.E WILL BE DELIVERED IN 90 N Mountain Avenue Ashland OR 97520 AUTHORIZED REPRESENTATIVE ~~y r Susan Wilson ©1988-2015 ACODD CORPORATION. All rights reserved. ACODD 25 (2016103) The ACOD name and logo are registered marks of ACORD 34625723 10527 17-18 GL/UMH/AUTO Suzan WiLGon 3/L3/2017 11:39:59 AM (FLIT) Fago 1 of 7 3/13/2017 11:41:10 AM PST (GMT-8) FROM: 100005-TO: 15415522304 Page: 3 of e ARTISANS ADVANTAGE ENHANCED COVERAGE ENDORSEMENT THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the following: BUILDING AND PERSONAL PROPERTY COVERAGE FORM CAUSES OF LOSS - SPECIAL FORM COMMERCIAL PROPERTY CONDITIONS COMMERCIAL GENERAL LIABILITY COVERAGE FORM When this endorsement is attached to the policy, insurance under the Building and Personal Property Coverage Form, the Causes of Loss - Special Form, the Commercial Property Conditions and the Commercial General Liability Coverage Form is enhanced to provide the coverages described in this endorsement. All other conditions of the policy continue to apply. This coverage is subject to the provisions applicable to the Building and Personal Property Coverage Form, Causes of Loss - Special Form, the Commercial Property Conditions and the General Liability Coverage Form. SCHEDULE Coverage Enhancements Limits of Insurance Each Location PropeE!y Covera a Extensions Newly Acquired or Constructed Property Buildings $250,000. at Each Building Business Personal Property $100,000. at Each Building Personal Effects and Property of Others $ 10,000. at Replacement Cost Valuable Papers and Records (Other than Electronic Data) $ 25,000, Property Off-Premises (Including Laptops and Other Electronic Equipment) $ 10,000. Outdoor Property (Named Perils) $ 1,000. per tree/shrub, max. limit $15,000. Non-Owned Detached Trailers $ 10,000. Accounts Receivable $ 25,000. Property in Transit (Including Laptops and Other Electronic Equipment) $ 10,000. Property Additional Coverages Electronic Data $ 15,000. Arson Reward $ 5,000. Water Back-Up and Sump Overflow $ 25,000. Business Income Including Extra Expense $ 25,000. Inventory or Appraisal Cost $ 5,000. Money and Securities Inside $ 10,000. Outside $ 5.000. Ordinance or Law Coverage Coverage A Included within Building Limit. Coverages B and C Combined 25% of Bldg. Limit, $150,000. maximum Outdoor Signs $ 5,000• Recharging of Fire Extinguishers $ 5,000. Inland Marine Coverages Installation Coverage $ 10,000. Contractors Equipment Coverages: Small Tools $ 2,500. (Maximum limit per item $500) Employee Small Tools S 1,000. (Maximum limit per item $250) Leased and Rented Equipment $ 5,000. Rental Reimbursement $ 1,000. General Liability Additional Coveraaes Blanket Additional Insured (Including Primary Non-Contributing Coverage) Included in Each Occurrence Limit Mobife Equipment Broadened Coverage Included in Each Occurrence Limit Aggregate Limit Per Project Included in Each Occurrenco Limit Blanket Waiver Included in Each Occurrence Limit MP 97 67 04 08 Includes copyrighted material at ISO Properties, Inc. and Page t of 18 American Association of Insurance Services, Inc., used with their permission 34625723 10527 17-18 GL/uMH/Auto $uaan W11:on 3/13/2017 11:30:55 AM (PDT) Page 2 0£ 7 3/13/2017 11:41:10 AM PST (GMT-8l FROM: 100005-TO: 15415522304 Page: 4 of 8 c. The following is added to A.2. Property Not Covered of the BUILDING AND PERSONAL PROPERTY COVERAGE FORM: r. Property while stored or operated underground in connection with any mining operations. d. The following is added to Paragraph 2. of B. Exclusions of the CAUSES OF LOSS - SPECIAL FORM: n. We will not payfor loss or damage caused by puncture, blowout and road damage to tires and tubes mounted on vehicles. However, we do pay for puncture, blowout or road damage caused by a specified peril. o. We will not pay for loss caused by humidity, dampness, dryness or changes in or extremes of temperature. p. We will not pay for loss caused by the weight of a load which, under the operating conditions atthe time of a loss, exceeds the registered lifting capacity of any equipment or machine, q. We will not pay for loss due to theft or mysterious disappearance from any vehicle or attached container. We will pay for loss due to burglary when there are signs of forcible entry to a locked vehicle or container. e. E.7. Valuation of the BUILDING AND PERSONAL PROPERTY COVERAGE FORM is deleted and replaced by the following: 7. Valuation We will determine the value of covered property in the event of loss or damage as follows: a. At actual cash value at the time of the loss (with a deduction for depreciation) except as provided in paragraphs b, and c. following. b. Pair or Set. The value of a lost or damaged article which is part of a pair or set is based on a reasonable proportion of the value of the entire pair or set. The loss is not considered a total loss of the pair or set. c. Loss to Parts. The value of a lost or damaged part of an item that consists of several parts when it is complete is based on the value of only the lost or damaged part or the cost to repair or replace it. 1 Rental Reimbursement In the event of loss by a covered peril to covered contractors' equipment that you own, we will reimburse you for your expense to rent similar equipment while your equipment is inoperable. The most we will reimburse you for rental reimbursement expenses is $1,000. We will continue to reimburse you for the rental of equipment after the expiration date of this coverage provided the loss occurred before the expiration date. We will not reimburse you: a. If you can continue or resume your operations with similar equipment that is available to you at no additional expense to you; or b. For the rental expense of any equipment unless you make every reasonable effort to repair, replace or rebuild the inoperable equipment after the covered loss occurs. 3. With respect to this Additional Coverage, Contractors Equipment Coverage, Section D. Deductible of the BUILDING AND PERSONAL PROPERTY COVERAGE FORM is deleted and replaced by the following: D. Deductible We will not pay for loss or damage in any one occurrence until the amount of loss or damage exceeds $500. We will then pay the amount of loss or damage in excess of $500 up to the applicable limit of insurance. We will not reimburse you for the rental of equipment until after 72 hours have passed since the covered property was rendered inoperable. After 72 hours have passed, we will only reimburse you for the rental expense that you actually incur. The deductible of $500 does not apply to rental reimbursement expenses. General Liability Additional Coverages The following Additional Coverages are added to the COMMERCIAL GENERAL LIABILITY COVERAGE FORM. A. Blanket Additional Insured Coverage 1. SECTION II - WHO IS AN INSURED of the COMMERCIAL GENERAL LIABILITY COVERAGE FORM is amended to include as an insured any person or organization (referred to as Additional Insured) whom you are required to add as an Additional Insured on this policy under: a. A written contract or agreement; and b. Where a certificate of insurance showing that person or organization as an additional insured has been issued; and Page 4 of 18 Includes copyrighted material of ISO Properties, inc. and MP 97 67 04 08 American Association of Insurance Services, Inc., used with their permission 34625723 10527 17-18 GL/UMH/AUTO Susan Wxlcon 3/13/2n17 11:36:59 AM (PDT) Pagc 3 of 7 3/13/2017 11:41:10 AM PST (GMT-8) FROM: 100005-TO: 15415522304 Page: 5 of 8 c. When the written contract or agreement and certificate of insurance are currently in effect or becoming in effect during the term of the policy and executed prior to the "bodily injury," "property damage," or "personal and advertising injury." 2. The insurance provided to the Additional Insured is limited as follows: a. The Additional Insured is only an additional insured for: (1) "Bodily injury," "property damage," or "personal and advertising injury" caused in whole or in part by negligent acts or omissions of the Named Insured or anyone directly or indirectly employed by the Named Insured or for whose acts a Named Insured may be liable. (2) Liability arising out of your ongoing operations for the Additional Insured by or for you. A person's or organization's status as an insured under this coverage ends when your operations for that insured are completed. b. The Limits of Insurance applicable to the Additional Insured are those specified in the written contractor agreement but not more than the Limits of Insurance specified in the Declarations for this policy. The Limits of Insurance applicable to the Additional Insured are inclusive of and not in addition to the Limits of Insurance shown in the Declarations for the Named Insured. 3. In addition to the other exclusions applicable to Section 1, Coverages A., B. and C. of the COMMERCIAL GENERAL LIABILITY COVERAGE FORM, the insurance provided to the Additional Insured does not apply to: a. "Property damage" to: (1) property owned, used, occupied by, loaned or rented to the Additional Insured; (2) Property in the care, custody or control of the Additional Insured or over which the Additional Insured are for any purpose exercising physical control; or (3) "Your work" performed for the Additional Insured. b. "Bodily injury," "property damage," or "personal and advertising injury." arising out of an architect's, engineer's or surveyor's rendering or failure to render any professional services for you, for the Additional Insured or for others, including, but not limited to: (1) The preparing, approving or failure to prepare or approve maps, drawings, opinions, reports, surveys, change orders, designs or specifications; or (2) Supervisory, inspection or engineering services, c. "Bodily injury" or "property damage" occurring after: (1) All work, including materials, parts or equipment furnished in connection with such work, on the project (other than service, maintenance or repairs) to be performed by or on behalf of the additional insured at the site of the covered operations has been completed; or (2) That portion of "your work" out of which the injury or damage arises has been put to its intended use by any person or organization other than another contractor or subcontractor engaged in performing operations for a principal as a part of the same project. 4. SECTION IV -COMMERCIAL GENERAL LIABILITY CONDITIONS, paragraph 4. Other Insurance, is amended to add the following subparagraph: d. Additional Insured's Other Insurance As Excess Insurance To the extent required by an "insured contract," this insurance is primary on behalf of the Additional Insured: and any other insurance maintained by the Additional Insured is excess and not contributory with this insurance. If the "insured contract" does not require this provision, then paragraph a. above will apply. B. Mobile Equipment Broadened Coverage VA 2.f.(1) of the COMMERCIAL GENERAL LIABILITY COVERAGE FORM is replaced by the following: (1) Equipment designed primarily for: (a) Snow Removal; (b) Road maintenance, but not construction or resurfacing; or (c) Street cleaning. Except the above provisions do not applyto self-propelled vehicles of less than 1,000 pounds gross vehicle weight which are not intended for use on a highway. C. Aggregate Limit Per Project The General Aggregate Limit under SECTION Ill - LIMITS OF INSURANCE of the COMMERCIAL GENERAL LIABILITY COVERAGE FORM applies separately to each of your projects away from premises owned by or rented to you. MP 97 67 04 08 includes copyrighted material of ISO Properties, Inc. and Page 15 of 18 American Association of Insurance Services, Inc.r used with their permission 34625723 18527 17-18 GL/UMB/AUTO Swan WLLcon 3/13/ 017 11:3B:59 AM (POTS Page 4 of 7 3/13/2017 11:41:10 AM PST (GMT--8) FROM: 100005-T0: 15415522304 Page: 6 of 8 D. Blanket Waiver Of Transfer Of Rights Of Recovery Against Others To Us The Transfer Of Rights Of Recovery Against Others To Us Condition (SECTION IV W COMMERCIAL GENERAL LIABILITY CONDITIONS) is amended by the addition of the following: We waive any right of recovery we may have against any person or organization to whom you by written contract or agreement have waived your own right or recovery for loss caused by that person or organization because of payments we make for injury or damage arising out of your ongoing operations or "your work" done under a contract with that person or organization and included in the "products-completed operations hazard." Additional Conditions A. Insurance Under Two or More Coverages The following is added to paragraph C. Insurance under Two or More Coverages of the COMMERCIAL PROPERTY CONDITIONS: If a Coverage Form is attached to this policy that provides a limit for any coverage provided by this endorsement; the limit shown in the SCHEDULE and the coverage provided by this endorsement are deleted and replaced by the limit and coverage provided by the Coverage Form. B. Limits of Insurance Regardless of the number of buildings at a location covered, by this endorsement, the most we wi€I pay under this Coverage Enhancement endorsement in any one occurrence is the applicable Limits of Insurance shown in the SCHEDULE on page 1 of this endorsement. C. Deductibles The Deductible described in section D. of the BUILDING AND PERSONAL PROPERTY COVERAGE FORM applies to each of the Coverage Enhancements except as shown below: We will not pay for loss or damage in any one occurrence until the amount of loss or damage exceeds $500. We will then pay the amount of loss or damage in excess of $500 up to the applicable Limit of Insurance for the following enhancements: 1. Personal Effects and Property of Others 2. Valuable Papers and Records (Other than Electronic Data) 3. Accounts Receivable 4. Property Off-Premises (Including Laptops and Other Electronic Equipment) 5. Outdoor Property (Named Perils) 6. Money and Securities 7. Water Back-Up and Sump Overflow 8. Electronic Data 9. Property in Transit (Including Laptops and Other Electronic Equipment) No deductible provisions apply to the following enhancements: 1. Arson Reward 2. Recharging of Fire Extinguishers 3. Inventory or Appraisal Cost 4. Rental Reimbursement D. Additional Definitions The following Additional Definitions apply to this endorsement only, 1. "Banking Premises" means the knterior of that portion of any building occupied by a banking institution or similar safe depository. 2. "Business Income" means the: a. Net income (Net Profit or Loss before income taxes) that would have been earned had no loss occurred; and b. Continuing normal operating expenses incurred, including payroll. For manufacturing risks, Net Income includes the net sales value of production. Page 16 of 18 Includes copyrighted material of ISO Properties, Inc. and MP 97 67 04 08 American Association of Insurance Services, Inc., used with their permission 34625723 10527 17-18 CUUM0/AUTO Suaaa wll:on 3/13/2017 11:30:59 AM (P071 P.q. 5 of 7 3/13/2017 11:41:10 AM PST (GMT-8) FROM: 100005-TO: 15415522304 Page: 7 of 8 3. "Client"' means an individual, company or organization with whom you have a written contract or work order for your services for a described premises and have billed for your services. 4. "Employee" as used in Money and Securities coverage means: a. "Employee" means: (1) Any natural person: (a) While in your service or for 30 days after termination of service; (b) Who you compensate directly by salary, wages or commissions; and (c) Who you have the right to direct and control while performing services for you; (2) Any natural person who is furnished temporarily to you: (a) To substitute for a permanent "employee" as defined in Paragraph (1) above, who is on leave; or (b) To meet seasonal or short-term work load conditions; while that person is subject to your direction and control and performing services for you, excluding, however, any such person while having care and custody of property outside the "premises"; (3) Any natural person who is leased to you under a written agreement between you and a labor leasing firm, to perform duties related to the conduct of your business, but does not mean a temporary employee as defined in Paragraph (2) above; (4) Any natural person who is your director or trustee while that person is handling "money" or "securities." (5) Any natural person who is a former "employee," director, partner, member (an owner of a limited liability company represented by its membership interest, who also may serve as a manager), manager (a person serving in a directorial capacity for a 1;mited liability company), representative or trustee retained as a consultant while performing services for you; or (6) Any natural person who is a guest student or intern pursuing studies or duties, excluding, however, any such person while having care and custody of "money" or "securities" outside the "premises." b. "Employee" does not mean: (1) Any agent, broker, factor, commission merchant, consignee, independent contractor or representative of the same general character; or (2) Any manager (a person serving in a directorial capacity for a limited liability company), director or trustee except while performing acts coming within the scope of the usual duties of an "employee." 5. "Extra Expense" means necessary expenses you incur during the "period of reconstruction" that you would not have incurred if there had been no direct physical loss or damage to property caused by or resulting from a Covered Cause of Loss. Coverage pertains to expenses (other than the expense to repair or replace property) which are incurred to (1) Avoid or minimize the "suspension" of business and to continue "operations" at the described premises or at replacement premises or temporary locations, including relocation expenses and costs to equip and operate the replacement location or temporary location. (2) Minimize the "suspension" of business if you cannot continue "operations." 6. "Finished Stock" means stock you have manufactured. Finished stock also includes whiskey and alcoholic products being aged. 7. "Loss" as used in the Accounts Receivable Extension means accidental loss or damage. 8. "Messenger" means you, any of your partners or any employee while having care and custody of the property outside the "premises." 9. "Money" means: a. Currency, coins and bank notes whether or not in current use; and b. Travelers checks, register checks and money orders held for sale to the public. 10. "Occurrence" as used in the Money and Securities coverage means an act or series of related acts involving one or more persons; or an act or event, or a series of related acts or events not involving any person. 11. "Operations" as used in the Business Income including Extra Expense coverage means your business activities occurring at the address shown in the Declaration that you occupy for your business. 12. "Period of restoration" as used in the Business Income including Extra Expense coverage means the period of time that: a. Begins with the date of direct physical loss or damage caused by or resulting from any Covered Cause of Loss at MP 97 67 04 08 includes copyrighted material of ISO Properties, Inc. and Page 17 of 18 American Association of Insurance Services, Inc., used with their permission 34625723 10527 17-18 CUUMH/AUTO Suczn WiLoon 3/13/2017 11:36:59 AM (POT) P~q. 6 of 7 3/13/2017 11:41:10 AM PST (GMT-8) FROM: 100005-TO: 15415522304 Page: 8 of 8 the described premises; and b. Ends on the date when the property at the described premises should be repaired, rebuilt or replaced with reasonable speed and similar quality. "Period of Restoration" does not include any increased period required due to the enforcement of any ordinance of law that: (1) Regulates the construction, use or repair, or requires the tearing down of any property; or (2) Requires any insured or others to test for, monitor, cleanup, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of "pollutants." 13. "Pollutants" means any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste. Waste inc3udes materials to be recycled, reconditioned or reclaimed. 14. "Premises" as used in the Money and Securities coverage means the interior of that portion of any building you occupy in conducting your business. 15. "Premises" as used in the Accounts Receivable Extensions means that interior of the building at the address shown in the Declarations that you occupy for your business. 16. "Securities" means negotiable and non-negotiable instruments or contracts representing either "money" or other property and include: a. Tokens, tickets, revenue and other stamps whether or not in current use; and b. Evidences of debt issued in connection with credit or charge cards, which are not of your own issue but does not include "money." 17. "Small Tools" means any tool which can be moved easily by one person without mechanical assistance and/or can be hand held for the purpose of doing labor. 18. "Suspension" as used in the Business Income including Extra Expense coverage means the slowdown or cessation of your business activities. 19. "Temporary storage location" means a location where property that is to become a permanent part of a comp4eted project is stored while waiting to be delivered to the job site: a. That you do not own, lease or operate; and b. Where work is in progress, or will begin in 30 days. 20. "Theft" as used in the Money and Securities coverage means the unlawful taking of "money" or "securities" to the deprivation of the Insured. All Other Conditions of this Policy apply. Page 18 of 18 Includes copyrighted material of ISO Properties, Inc. and MP 97 67 04 08 American Association of Insurance Services, Inc., used with their permission 34e25723 10527 17-10 GL/UMH/AUTO swan W112on 3/13/2017 11:39:59 AM (PD71 Page 7 of 7