Proposed Contract with Zurich American Insurance Company

MURIEL BOWSER
MAYOR
May 1, 2025
Honorable Phil Mendelson
Chairman
Council of the District of Columbia
John A. Wilson Building
1350 Pennsylvania A venue, NW, Suite 504
Washington, DC 20004
Dear Chairman Mendelson:
Pursuant to section 451 of the District of Columbia Home Rule Act (D.C. Official Code § 1-
204.51) and section 202 of the Procurement Practices Reform Act of 2010 (D.C. Official Code§
2-352.02), enclosed for consideration and approval by the Council of the District of Columbia is a
proposed all-risk property insurance policy with Zurich American Insurance Company in the
amount of $2,878,680. The period of performance is from May 15, 2025, through May 14, 2026.
Under the proposed insurance policy, Zurich American Insurance Company will cover all District
real property assets.
My administration is available to answer any questions you may have regarding the proposed
insurance policy. In order to facilitate a response to any questions you may have, please have your
staff contact Jed Ross, Chief Risk Officer, Captive Insurance Agency, at (202) 727-8600.
I look forward to the Council's favorable consideration of this insurance policy.
Sincerely,
1

GOVERNMENT OF THE DISTRICT OF COLUMBIA
CAPTIVE INSURANCE AGENCY

Pursuant to section 202(c) of the Procurement Practices Reform Act of 2010, as amended, D.C.
Official Code § 2-352.02(c), the following contract summary is provided:

COUNCIL CONTRACT SUMMARY

(A) Contract Number: N/A. Catastrophic Commercial Property Insurance

Proposed Contractor: Zurich American Insurance Company (Zurich)
(Payment to Alliant Insurance Services, Inc. through Captive Insurance Agency’s insurance broker
and payment agent, Alliant Insurance Services, Inc.)

Contract Amount (Base Period): $2,878,680.00

Unit and Method of Compensation: Annual premium.

Term of Contract: May 15, 2025, to May 14, 2026

Type of Contract: Insurance Policy

Source Selection Method: The Captive Insurance Agency has independent contracting authority.
D.C. Official Code §§ 1-307.92; 1-307.83(a)(1)(A) and (a)(14); 2-351.05(c)(18) and Mayor’s Order
2015-238. The District, through the Captive Insurance Agency and its broker, Alliant Insurance
Services, Inc., marketed the District’s catastrophic commercial property insurance program (the
“program”) in order to obtain the best offer for coverage.

The District’s current catastrophic commercial property insurance policy with Zurich will terminate
May 14, 2025. The current insurance market has been firming materially during 2025. The District,
through Alliant Insurance Services, Inc. marketed the program to over 60 major national and
international insurers, including Zurich, for quotes. After numerous discussions with all of these
insurers (approximately 30 declined to offer a quote) it was determined that none of them could
compete with the pricing that Zurich is offering the District. Consequently, the most favorable
terms the District would receive to maintain the insurance program’s coverage for its real property
assets without interruption is to renew the Zurich policy.

(B) For a contract containing option periods, the contract amount for the base period and for
each option period. If the contract amount for one or more of the option periods differs from
the amount for the base period, provide an explanation of the reason for the difference:
2

Base Period Amount: $ n/a

Option Period 1 Amount: $ n/a
Explanation of difference from base period (if applicable):

Option Period 2 Amount: $ n/a
Explanation of difference from base period (if applicable):

(C) The goods or services to be provided, the methods of delivering goods or services, and any
significant program changes reflected in the proposed contract:

Catastrophic Commercial Property Insurance Policy.

(D) The selection process, including the number of offerors, the evaluation criteria, and the
evaluation results, including price, technical or quality, and past performance components:

Competitive. See Source Selection Method described above.

(E) A description of any bid protest related to the award of the contract, including whether the
protest was resolved through litigation, withdrawal of the protest by the protestor, or
voluntary corrective action by the District. Include the identity of the protestor, the grounds
alleged in the protest, and any deficiencies identified by the District as a result of the protest:

No bid protests received.

(F) The background and qualifications of the proposed contractor, including its organization,
financial stability, personnel, and performance on past or current government or private
sector contracts with requirements similar to those of the proposed contract:

Zurich is one of the largest insurance companies in the world. Zurich is one of only a handful of
global insurance companies that offer large limit insurance programs to public institutions.

(G) A summary of the subcontracting plan required under section 2346 of the Small, Local, and
Disadvantaged Business Enterprise Development and Assistance Act of 2005, as amended,
D.C. Official Code § 2-218.01 et seq. (“Act”), including a certification that the subcontracting
plan meets the minimum requirements of the Act and the dollar volume of the portion of the
contract to be subcontracted, expressed both in total dollars and as a percentage of the total
contract amount:

The Captive is exempt from the terms of the Small, Local, and Disadvantaged Business Enterprise
Development and Assistance Act of 2005, as amended. D.C. Official Code § 1-307.92(1).

(H) Performance standards and the expected outcome of the proposed contract:

3

The contract is a policy of insurance. Its liability limits and lines of coverage are clearly delineated
in the Covernote of Insurance and Policy Form that comprise the policy.

(I) The amount and date of any expenditure of funds by the District pursuant to the contract
prior to its submission to the Council for approval:

No funds have been expended pursuant to the proposed contract.

(J) A certification that the proposed contract is within the appropriated budget authority for the
agency for the fiscal year and is consistent with the financial plan and budget adopted in
accordance with D.C. Official Code §§ 47-392.01 and 47-392.02:

A certification of funds from the Office of the Chief Financial Officer is attached.

(K) A certification that the contract is legally sufficient, including whether the proposed
contractor has any pending legal claims against the District:

A certification that the proposed contract is legally sufficient is attached.

(L) A certification that Citywide Clean Hands database indicates that the proposed contractor is
current with its District taxes. If the Citywide Clean Hands Database indicates that the
proposed contractor is not current with its District taxes, either: (1) a certification that the
contractor has worked out and is current with a payment schedule approved by the District;
or (2) a certification that the contractor will be current with its District taxes after the District
recovers any outstanding debt as provided under D.C. Official Code § 2-353.01(b):

A certification that the Citywide Clean Hands database indicates that the proposed contractor is
current with its District taxes is attached.

(M) A certification from the proposed contractor that it is current with its federal taxes, or has
worked out and is current with a payment schedule approved by the federal government:

The proposed contractor is in compliance with the applicable District licensing and tax laws.

(N) The status of the proposed contractor as a certified local, small, or disadvantaged business
enterprise as defined in the Small, Local, and Disadvantaged Business Enterprise
Development and Assistance Act of 2005, as amended; D.C. Official Code § 2-218.01 et seq.:

The proposed contractor is not a certified local, small, or disadvantaged business enterprise.

(O) Other aspects of the proposed contract that the Chief Procurement Officer considers
significant:

None.

4

(P) A statement indicating whether the proposed contractor is currently debarred from providing
services or goods to the District or federal government, the dates of the debarment, and the
reasons for debarment:

The proposed contractor does not appear on either the OCP Excluded Parties List or the OIG
Exclusions list.

(Q) Any determination and findings issues relating to the contract’s formation, including any
determination and findings made under D.C. Official Code § 2-352.05 (privatization
contracts):

None.

(R) Where the contract, and any amendments or modifications, if executed, will be made
available online:

N/A

(S) Where the original solicitation, and any amendments or modifications, will be made available
online:

N/A

*
*
* GovernmentoftheDistrictofColumbiaOfficeoftheChiefFinancialOfficer 110144Street,SWOfficeofTaxandRevenue Washington,DC20024
DateofNotice:April1,2025 NoticeNumber:0013989922 =
ZURICHAMERICANINSURANCECOMPANY1299ZURICHWAYSCHAUMBURGIL60196-5452
FEIN:**.*##3459CaseID:18516589

CERTIFICATE OF CLEAN HANDS
AsreportedintheCleanHandssystem,theabovereferencedindividual/entityhasnooutstandingliabilitywiththeDistrictofColumbiaOfficeofTaxandRevenueortheDepartmentofEmployment
Services.Asof the dateabove,theindividual/entityhas complied with DC Code § 47-2862, therefore
thisCertificateof Clean Hands isissued.
TITLE 47. TAXATION, LICENSING, PERMITS, ASSESSMENTS, AND FEES.
CHAPTER 28 GENERAL LICENSE
SUBCHAPTER II.CLEAN HANDS BEFORE RECEIVING A LICENSE OR PERMIT
D.C.CODE§47-2862(2006)§47-2862PROHIBITIONAGAINSTISSUANCEOFLICENSEOR PERMIT

AuthorizedBy Melinda Jenkins
Branch Chief,Collectionand Enforcement Administration
Tovalidatethiscertificate,pleasevisitMyTax.DC.gov.OntheMyTaxDC homepage,clickthe“ValidateaCertificateofCleanHands”hyperlinkundertheCleanHandssection.
111014thStreetSW,SuiteW270,Washington,DC20024/Phone:(202)724-S045/MyTax.DC.g0v
GOVERNMENT OF THE DISTRICT OF COLUMBIA
OFFICE OF THE CHIEF FINANCIAL OFFICER
GOVERNMENT OPERATIONS CLUSTER

MEMORANDUM

TO: Jed Ross
Chief Risk Officer
Captive Insurance Agency

FROM: Alemayehu Awas
Agency Fiscal Officer

DATE: March 12, 2025

SUBJECT: FY 2025 Funding Certification for Captive Insurance Agency – Real Property
Insurance (Zurich American Insurance Company)

This is to certify that Captive Insurance Agency has $2,878,680 in its FY 2025 budget to cover the cost of
the District of Columbia’s 12-month real property insurance policy, including engineering fees, with Zurich
American Insurance Company. The entire premium and engineering fee totaling $2,878,680 ($2,818,030
premium plus $60,650 engineering fee) will be paid in FY 2025. The purchased insurance policy covers
the period from 5/15/2025 through 5/14/2026.

Should you have any questions, please feel free to contact me at 202-727-6535.

CC: Jed Ross, ORM, Chief Risk Officer and Director
Angelique Rice, GOC, Associate Chief Financial Officer
Michael Bolden, GOC, Director of Financial Operations

441 4th Street, NW – Suite 890N – Washington, DC 20001
Phone: (202) 727-0333 – Fax: (202) 727-2202

441 Fourth Street, NW, Suite 800 South | Washington, DC 20001 | Tel: (202) 727-8600 | http://orm.dc.gov/
G
OVERNMENT OF THE DISTRICT OF COLUMBIA
CAPTIVE INSURANCE AGENCY
J
ed Ross
Chief Risk Officer
MEMORANDUM
TO: Jed Ross
Chief Risk Officer
F
ROM: Michael Krainak
General Counsel
T
alia Sassoon Cohen
Deputy General Counsel
DAT
E: April 15, 2025
S
UBJECT: Legal Sufficiency Certification – Zurich American Insurance
Company Real Property Insurance Binder (Policy term 5/15/2025-
5/14/2026)
I
have been requested to review the Covernote of Insurance issued by Zurich American
Insurance Company (the “Zurich Binder”), attached hereto as Attachment A. The Zurich Binder
is issued to Alliant Insurance Services, Inc.., the District’s insurance broker through the Captive
Insurance Agency (“Captive”). The Zurich Binder sets forth the terms of the property insurance
coverage for District real property assets and the policy and endorsement forms that will
comprise the policy of insurance once issued, provided that the District remits $2,818,030.00
(inclusive of $60,650.00 in risk engineering service fees) within the period specified in the
binder. The proposed policy would be effective May 15, 2025, through May 14, 2026.
B
ased on the analysis below, I certify that the Zurich Binder is legally sufficient:
I. A
uthority to Procure Insurance for the District of Columbia
a. The Captive Insurance Agency (“Captive”) has independent procurement
authority. D.C. Official Code §§ 1-307.92; 1-307.83(a) (1)(A) and (a)(14); and
Mayor’s Order 2015-238. The Captive is exempt from the Procurement Practices
Reform Act, save for the Council contract criteria for submission of contracts.
D.C. Official Code § 2-351.05(c)(18).
b. The Captive is authorized to obtain property insurance for real property assets.
D.C. Official Code§1-307.83(a)(4A).
c. The Captive is exempt from the Small and Certified Business Enterprise
Development and Assistance Act of 2005.1 D.C. Official Code § 1-307.92(1).

441 Fourth Street, NW, Suite 800 South | Washington, DC 20001 | Tel: (202) 727-8600 | http://orm.dc.gov/
Re: Legal Sufficiency Certification – Zurich Real Property Insurance Binder
Page 2
II. Terms and Conditions of the Zurich Binder

The Zurich Binder provides an overall program limit of $500 million (55 percent quota
share to be paid by Zurich, i.e. up to $275 million, with remainder to be paid by co-
insurer under separate policy) for all-risk property damage in excess of a 1,500,000
deductible. The total insured value for buildings and personal property under the policy is
$275,000,000.00. Zurich American Insurance Company is the primary insurer and
responsible for paying 55 percent of the full $500 million program after deductible. The
Zurich Binder sets forth various sub limits for specific coverages. The Zurich Binder
includes all endorsement forms that will be incorporated into the final policy.

Once the premium is paid, Zurich American Insurance Company will
issue the policy consistent with the terms of the Zurich Binder. The policy
will include terrorism coverage, which the District carries separately
through a stand-alone policy through Lloyd’s of London.

III. Payment of Premium and Availability of Funding

The Zurich Binder would establish a policy with a premium that exceeds $1 million.
Funding is available under the Captive’s local budget. See Certification of Funding
Memorandum from the Office of the Chief Financial Officer to Jed Ross, Chief Risk
Officer (March 12, 2025).
ATTACHMENTA
District of Columbia, A Municipal Corporation
Property Program
If you want to learn more about the compensation Zurich pays agents and brokers visit:
http://www.zurichnaproducercompensation.com or call the following toll-free number: (866) 903- 1192.
This Notice is provided on behalf of Zurich American Insurance Company and its underwriting
subsidiaries.
1. Details1.1. Insurer and Relationship DetailsZurich North America1001 Summit Blvd, Suite 1200Atlanta, GA 30319
Contact Name:Connor HeineTelephone:Mobile:678-510-6198Email:connor.heine@zurichna.comPolicy Issuing Company:Zurich American Insurance Company1.2. Named InsuredsDistrict of Columbia, A Municipal Corporation441 4th St NWWashington, District of Columbia 20001hereafter referred to as the First Named Insured. The following are all hereafter referred to as the "Insured", including legal representatives. The First Named Insured; and any subsidiary of the First Named Insured. The First Named Insured's interest in any partnership, joint venture or other legal entity in which the First Named Insured has management control or ownership as now constituted or hereafter is acquired. 1.3. BrokerTaylor Forst, Vice President Alliant Insurance Services, Inc.227 W. Trade StreetSuite 1930Charlotte, NC 28202 1.4. Period of Insurance Policy Inception: May 15, 2025Coverage begins May 15, 2025 at 12:01 AMPolicy Expiration: May 15, 2026Coverage ends May 15, 2026 at 12:01 AMbeginning at 12:01:00 A.M. local standard time at the “location” of the property insured and ending at 12:00:59 A.M. local standard time at the “location” of the property insured1.5. Zurich ShareZurich's proportionate share of loss or damage after the application of any deductible amount is:Being $275,000,000 part of a $500,000,000 primary loss layerQuota Share 55%
2/46
Reference to Zurich include: Zurich, Company, us, we, our, InsurerReference to Insured include: Insured, Customer, Customers, you Reference to Capitalized terms are normally done for emphasis
1.6. Program OverviewThis proposal is presented to you with the understanding that neither Zurich nor any of its subsidiaries, affiliates, or employees, offer, or purport to offer, advice to you concerning the proper financial, accounting, or tax treatment for the policy(ies) of insurance referenced herein and nothing herein should be considered to constitute such advice. If accounting advice, tax advice, or other expert professional assistance is required, you should consult with your own accountant, adviser, counsel, or other similar competent professional with expertise in the required area.
Reference to defined terms in a policy are normally in BOLD
2.1.Notice2. CoverThis Property Insurance Proposal may differ from the original specifications requested and only the coverage(s), limitations, terms and conditions contained in this Property Insurance Proposal shall apply. 2.2.ConditionsThis Property Insurance Proposal is subject to the terms and conditions of the form unless indicated otherwise. While this Property Insurance Proposal attempts to summarize and highlight the proposed policy form, it is not complete, and the policy form should be reviewed for complete details. It is important to carefully read the policy and its endorsements to determine rights, duties and what is and is not covered. In the event of any inconsistencies between the proposal and the policy form referenced, the policy language controls.
a. Contractual Document(s)
Loss or Damage Insured:b. Basis of CoverThis Policy insures against direct physical loss of or damage from a Covered Cause of Loss, meaning from any cause unless otherwise excluded, that commences during the Policy Period, to Property Insured, at an Insured Location all subject to the terms, conditions and exclusions stated in the Policy. No coverage can be provided in violation of any U.S. economic or trade sanctions laws or regulations. Such coverage, which may be in violation of any U.S. economic or trade sanctions laws and regulations, shall be null and void and the Company shall not be liable to make any payments or provide any defense under the policy.
3/46
Valuation:In the event of any claim for direct physical loss of or damage to Property Insured, the basis of adjustment is on a Replacement Cost basis unless a specific valuation applies. Replacement Cost shall be the cost to repair, rebuild or replace the damaged property (without deduction for depreciation) with materials of like kind, quality and capacity at the same or another site, but no more than the lesser of: The cost to repair;The cost to rebuild or replace on the same or another site with materials of equivalent size, kind, quality and capacity;The necessary cost actually expended in repairing, rebuilding or replacing on the same or another site, but not exceeding the operating capacity that existed at the time of the loss; orThe Limits of Liability applicable to the lost or damaged property.Other Valuation as follows:Finished StockSelling PriceMerchandise that carries the Insured's brand or trade nameReplacement CostAll other MerchandiseReplacement CostVehiclesActual Cash Valuec. Advantages of Zurich Edge II PolicyOther Advantages of the Zurich Edge II policy:Time Element Coverage Option provides the insured the option to receive payment under Gross Earnings or Gross Profits. Extra Expense includes the increased costs to purchase Finished Stock from third parties to fulfill orders.Lease Cancellation pays for the value of undamaged Improvements and Betterments when the Insured's lease is cancelled by the lessor due to covered damage to the property at an Insured Location.Ingress/Egress and Civil or Military Authority coverages both include extra expense and have been broadened to apply when access to an Insured Location is limited, restricted or totally prohibited.Tsunami is covered under Earth Movement.Cloud Service and Communication Interruption covers physical damage and time element loss resulting from the partial or total interruption of Cloud, voice, data and video services when the interruption is due to physical damage to the property of the supplier of service (including damage to the supplier's transmission and distribution lines) caused by a Covered Cause of Loss.Logistics Extra Cost coverage pays for the additional costs incurred by the Insured to continue usual business activities when the normal movement of goods or materials is disrupted due to damage to property within the Policy Territory.4/46
Spoilage from On-Premises Service Interruption coverage pays for spoilage of property at an Insured Location that occurs when electricity, gas, fuel, steam, water, or refrigeration is interrupted by an accidental event at the Insured Location.Crisis Event pays for Crisis Event Expense attributable to a violent crime, suicide or attempted suicide that occurs at the Insured Location or within a specified distance from the Insured Location. Crisis Event Expense includes costs for public relations management as well as evacuation and relocation expenses. The Policy has many Special Coverages, including coverages not subject to a sublimit. d. Policy Territory Coverage under this Policy applies to all covered loss or damage that takes place in the United States of America (USA), its territories and possessions, including the District of Columbia and the Commonwealth of Puerto Rico.For the Contingent Time Element and International Interdependency Special Coverages and Off Premises Service Interruption Cyber Event coverage, where the territory is extended to worldwide, the following Restricted Countries are excluded:Afghanistan, Albania, Algeria, Angola, Armenia, Azerbaijan, Belarus, Benin, Botswana, Burkina Faso, Burundi, Cameroon, Cape Verde, Central African Republic, Chad, Comoros, Republic of Congo, Democratic Republic of the Congo, Cuba, Djibouti, Equatorial Guinea, Eritrea, Ethiopia, Gabon, Gambia, Ghana, Guinea, Guinea-Bissau, Georgia, Haiti, Iran, Iraq, Ivory Coast, Kazakhstan, Kampuchea (Cambodia), Kenya, Kyrgyzstan (Kyrgyz Republic), Laos, Lebanon, Lesotho, Liberia, Libya, Macedonia, Madagascar, Malawi, Mali, Mauritania, Mayotte, Mongolia, Montenegro, Mozambique, Myanmar (Burma), Namibia, Niger, Nigeria, North Korea, Pakistan, Palestine, Reunion, Russian Federation, Rwanda, Sao Tomé and Principé, Senegal, Serbia, Sierra Leone, Somalia, Sri Lanka, Southern Sudan, Sudan, Swaziland, Syria, Tajikistan, Tanzania, Tibet, Togo, Turkmenistan, Uganda, Ukraine, Uzbekistan, Western Sahara, Yemen, Zambia, Zimbabwe.f. Insured LocationAn Insured Location is a Location:Listed on a Schedule of Locations on file with Company; per most recent statement of values.Covered as a Miscellaneous Unnamed Location; andCovered under the terms and conditions of the Newly Acquired Coverage or Errors and Omissions Coverage.
All amounts, including deductibles and Limits of Liability, indicated in this Policy are in USD unless otherwise indicated by the three-letter currency designator as defined in Table A.1 Currency and Funds code list, International Standards Organization, ISO 4217, edition effective at the inception date of this Policy.
g. Currency
2.3. Policy Limits of Liability
a.b.
The Policy Limit is $500,000,000 for the total of all coverages combined regardless of the number ofLocations involved subject to the following provisions: The Company will pay no more in any one (1) Occurrence than its proportionate share of the PolicyLimit.Limits of Liability stated below or elsewhere in this Policy are part of and not in addition to the Policy Limit.5/46
c.d.When an Annual Aggregate Limit of Liability is shown, the company’s maximum amount payable will not exceed such Annual Aggregate Limit of Liability.The most the Company will pay in an Occurrence caused by a Described Cause of Loss is the Limit of Liability for that Described Cause of Loss. Limits of Liability in an Occurrence apply to the total loss or damage, including any insured Time Element loss, at all Locations and for all coverages involved, subject to the following provisions:(1) The Company will pay no more in any one (1) Occurrence than its proportionate share of the applicable Location Limit when a Location Limit is specified, except as provided below for loss or damage at an Insured Location listed on the Schedule of Locations-Description of Location and Location Limit. (2) The most the Company will pay at a Location is the lesser of:(a) The specified Location Limit;(b) The Described Causes of Loss Limit of Liability at that specific Insured Location; or(c) The Described Causes of Loss Limit of Liability.
The following are the Limits of Liability (including Time and Distance limitations) in any one (1) Occurrence unless otherwise shown. The Company will pay no more in any one (1) Occurrencethan its proportionate share. f. Limits of Liability
When NCP is shown in the Declarations for any Special Coverage, Described Cause of Loss or portion of coverage, in this Policy, then any loss or damage caused by or falling within the coverage provided by that Special Coverage, Described Cause of Loss or portion of coverage, is not covered under this Policy.
Coverage PartLimits of Liability(1) PROPERTY DAMAGE AND TIME ELEMENT
$500,000,000PROPERTY DAMAGE AND TIME ELEMENTProperty Damage and Time Element combined at scheduled Locations: on file with the Company per most recent statement of values But not to exceed:$10,000,000 for new construction or additions at all Locations $10,000,000GROSS EARNINGS not to exceed 12 months$10,000,000GROSS PROFIT not to exceed 12 months$10,000,000EXTRA EXPENSE$25,000,000LEASEHOLD INTEREST 180 DAYSEXTENDED PERIOD OF LIABILITY180 days not to exceed $10,000,000ORDINARY PAYROLL30 days not to exceed $5,000,000WAGES
6/46
(2) SPECIAL COVERAGESBETTER GREEN™ UPGRADENCP30 days for property within 1mile(s), not to exceed $10,000,000 CIVIL OR MILITARY AUTHORITY
CLOUD SERVICE AND COMMUNICATION INTERRUPTION $1,000,000COMPLETED CIVIL ENGINEERING STRUCTURESNCP COMPUTER SYSTEMS DAMAGE in the Annual Aggregate$2,500,000But not to exceed:$1,000,000 Digital Assets in the Annual Aggregate$1,000,000 Time Element in the Annual AggregateCONTINGENT TIME ELEMENT but not to exceed the following limits:$2,500,000NCP per scheduled Direct Dependent Time Element Location;NCP per scheduled Indirect Dependent Time Element Location;$500,000 per unscheduled Direct Dependent Time Element Location; but not to exceed NCP for Extra Expense, however, NCPfor Earth Movement, NCP for Flood, NCP for Named Storm, NCPfor Cyber Event;NCP per unscheduled Indirect Dependent Time Element Location;NCP for Indirect Dependent Time Element Location as defined in policy line 7.33.b. (3rd or more tiers);$1,000,000 per ATTRACTION PROPERTIES Located within 1 mile(s) of the Insured Location; however, NCP for Cyber Event, Earth Movement, Flood, or Named Storm;CONTRACT PENALTIES$250,00030 days for events within 1mile(s), not to exceed $250,000 CRISIS EVENT in the Annual AggregateDECONTAMINATION COSTS$5,000,000NCP DELAY IN COMPLETIONEMERGENCY EVACUATION EXPENSE – IMPENDING LOSS in the Annual Aggregate in excess of $1,500,000$250,000ERRORS AND OMISSIONS$25,000,000EXPEDITING COSTS$10,000,000FINE ARTS but not to exceed $50,000 limit per item$5,000,000HISTORICAL BUILDINGS PRESERVATION NCP IMPOUNDED WATER 30 daysINCREASED COST OF CONSTRUCTION$150,000,000INGRESS/EGRESS 30 days for property within 1mile(s), not to exceed $10,000,000 NCP INTERNATIONAL INTERDEPENDENCY 7/46
INTERRUPTION BY FOOD BORNE ILLNESS ORCOMMUNICABLE DISEASENCP LAND AND WATER CONTAMINANT CLEANUP, REMOVAL AND DISPOSAL in the Annual Aggregate$500,000LAND IMPROVEMENTS but $2,500 per tree for trees not replaced within 12 months, but not to exceed $1,000,000 per Occurrence.$1,000,000This Coverage excludes Earthquake, Flood and Named Storm.LEASE CANCELLATION$1,000,000LOGISTICS EXTRA COSTNCP MISCELLANEOUS PERSONAL PROPERTY $25,000,000MISCELLANEOUS UNNAMED LOCATION $25,000,000MONEY DURING NORMAL BUSINESS HOURS$5,000MONEY IN LOCKED SAFE OR VAULT$5,000NEWLY ACQUIRED 120 days not to exceed $25,000,000OFF PREMISES SERVICE INTERRUPTION $20,000,000PROFESSIONAL FEES$1,000,000PROTECTION AND PRESERVATION OF PROPERTY $5,000,000 but not to exceed 48 hours for Gross Earnings or Gross ProfitRADIOACTIVE CONTAMINATION$2,500,000RESEARCH AND DEVELOPMENT12 months not to exceed $5,000,000RESEARCH ANIMALS in excess of $1,500,000$2,500,000RETRAINING OF EMPLOYEES60 days SPOILAGE FROM ON PREMISES SERVICE INTERRUPTIONNCP TENANTS ACCESS in the Annual Aggregate60 days not to exceed $250,000 TENANTS RELOCATION AND REPLACEMENT EXPENSE30 days not to exceed $1,000,000 TRANSIT $1,000,000VALUABLE PAPERS AND RECORDS$100,000,000(3) DESCRIBED CAUSES OF LOSSBREAKDOWN OF EQUIPMENT not to exceed:$500,000,000$100,000,000 for Refrigerant$2,500,000 for Spoilage from Breakdown of Covered EquipmentCYBER EVENTNCP
8/46
EARTH MOVEMENT in the Annual Aggregate but not to exceed the following limits in the Annual Aggregate:$100,000,000a). for property located in Zone 1 for Earth Movement as described inAppendix A & B. NCPb). for property located in Zone 2 for Earth Movement as described in Appendix A & B. NCP$100,000,000FLOOD in the Annual Aggregate but not to exceed the following limits in theAnnual Aggregate:a).$25,000,000 for Property Insured within a High Hazard Zone as described in Appendix E.b).$50,000,000 for Property Insured within a Medium Hazard Zone as described in Appendix E.c).$1,000,000 for Property Insured covered under Errors and Omissions, Miscellaneous Personal Property, Miscellaneous Unnamed Locations, Newly Acquired or Transit Special Coverages.$500,000,000NAMED STORM per occurrence but not to exceed: a). for property located in Zone 1 for Named Storm as described in Appendix C & D. NCPb). for property located in Zone 2 for Named Storm as described in Appendix C & D. NCPg. Causation Definition: The following term is included in the definition of the Peril as indicated:Storm Surge is part of Floodh. Time Specifications:EARTH MOVEMENT Occurrence168 hoursNAMED STORM Occurrence72 hoursCancellation for non-payment of premium10 daysCancellation for any other reason45 days
2.4.Qualifying PeriodFor the Coverages listed below the following Qualifying Period applies:CLOUD SERVICE AND COMMUNICATION INTERRUPTION applies separately at each Insured Location48 HoursCOMPUTER SYSTEMS DAMAGE applies separately at each Insured Location 48 HoursCRISIS EVENT applies separately at each Insured Location48 HoursOFF PREMISES SERVICE INTERRUPTION applies separately at each Insured Location.48 HoursTENANTS ACCESS applies separately at each Insured Location48 Hours
9/46
2.5. DEDUCTIBLES
a.
b.
Each claim for loss, damage, cost or expense as insured against arising out of any one (1) Occurrenceshall be adjusted separately. The Company shall not be liable unless the Insured sustains covered loss, damage, costs or expense in excess of the deductible(s) stated below and then only for the proportionate share of such excess amount(s).A deductible that applies on a per Location basis will apply separately to loss, damage, cost or expense at each Location where the loss or damage occurred regardless of the number of Locations involved in the Occurrence.Unless stated otherwise, if two or more deductibles apply to an Occurrence, the total deducted will not exceed the largest applicable deductible. If two or more deductibles apply on a per Locationbasis in an Occurrence, the largest deductible applying to each Location will be applied separately to each such Location. However, the applicable Flood deductible(s) and the applicable Named Storm deductible(s) will apply in addition to and regardless of any other deductibles in anOccurrence.c.d.
(1)(2)
If separate Property Damage and Time Element loss deductibles are shown, then the deductibles shall apply separately.When a “minimum deductible” per Occurrence is shown, the “minimum deductible” is the minimum dollar amount of covered damage that the Insured will retain in any one (1) Occurrence. The amount retained for purposes of applying the “minimum deductible” is the sum of:The specified location deductible for each Insured Location where the amount of covered damage exceeds the specified location deductible; andThe amount of covered damage for each Insured Location where the amount of covered damage is less than the specified location deductible.
(1)
(2)(a)(b)
When a deductible applies on a percentage basis, whether separately for Property Damage or Time Element or combined for Property Damage and Time Element, the deductible will be calculated as follows:Property Damage: The applicable percentage (%) of the value per the most current Statement of Values on file with the Company for the Location where the direct physical loss or damage occurred, per Location.Time Element: The applicable percentage (%) of the full 12 months Gross Earnings or Gross Profit values that would have been earned following the Occurrence by use of the facilities at the Location where the direct physical loss or damage occurred and all other Locations where Time Element loss ensues, per Location.When a deductible applies on a percentage basis to property that is: New construction, renovations or additions; or Covered under the Errors and Omissions, Miscellaneous Personal Property, Miscellaneous Unnamed Locations, Newly Acquired or Transit Coverages. the most current value at the time of the loss of all Property Insured, at the location where the direct physical loss or damage occurred, will be applied in the calculation of the deductible.
e.Percentage Deductibles
10/46
f.Policy Deductible(s) $1,500,000 combined Property Damage and Time Elementper Occurrence except as follows:Exceptions to Policy Deductible(s)(1) Breakdown of Equipment$1,500,000 combined Property Damage and Time Element per Occurrence for loss or damage caused by Breakdown;(2) Contingent Time Element$1,500,000 per Occurrence(3) Crisis Event$1,500,000 combined Crisis Event coverages(4) Earth Movement The following deductibles apply to loss or damage caused by or resulting from Earth Movement. $1,500,000 combined Property Damage and Time Elementper Occurrence ;(5) FloodThe following deductibles apply to loss or damage caused by or resulting from Flood.$1,500,000 combined Property Damage and Time Elementper Occurrence except as follows:(a)As respects Property Insured within a High Hazard Zone as described in Appendix E.(i)Property Damage - 5% per Location.(ii)Time Element - 5% per Location.(iii)The value of the Property Damage and Time Element deductibles above combined.(iv)The above Flood deductibles are subject to a minimum deductible of $1,500,000 combined Property Damage and Time Element per Occurrence.(b) As respects Property Insured within a Medium Flood Hazard Zone as described in Appendix E.(i)Property Damage and Time Element combined - $1,500,000 per Occurrence.(c)$1,500,000 for Property insured covered under Errors and omissions, Miscellaneous Personal Property, Miscellaneous Unnamed Locations, Newly Acquired or Transit Special Coverages.(6) Named StormThe following deductibles apply to loss or damage caused by or resulting from Named Storm.$1,500,000 combined Property Damage and Time Elementper Occurrence ; 11/46
(7) Water DamageThe following deductible applies to loss or damage caused by or resulting from Certain Water, except this deductible does not apply to loss or damage caused in whole or part by Flood.$1,500,000 combined Property Damage and Time Element perOccurrence:2.6. Additional Comments, Terms, Conditions or Endorsements:Specification DifferencesThis Property Insurance Proposal may differ from the original specifications requested and only the coverage(s), limitations, terms and conditions contained in this proposal shall apply. This Property Insurance Proposal is subject to the terms and conditions of The Zurich Edge II form unless indicated otherwise. While this proposal attempts to summarize and highlight the proposed policy form, it is not complete, and the policy form should be reviewed for complete details. It is important to carefully read the policy and its endorsements to determine rights, duties and what is and is not covered. 2.7. Coverage Not IncludedNot Applicable2.8. Captive ConditionsNot Applicable2.9. Terrorism CoverageTerrorism coverage is included for locations in the United States, territories and its possessions unless coverage declined. Refer to the attached Important Disclosure Notice regarding the Terrorism Risk Act of 2002 as amended.2.10. Applicable Law and Jurisdiction.Any disputes arising hereunder will be exclusively subject to the jurisdiction of a court of competent jurisdiction within the USA.
3.1. Annual Premium and Services (To Zurich)3. Premium and Fees$2,818,030.00Policy Premium excluding Terrorism in the USA$636,825.29Premium for Certified Terrorism Coverage (TRIA)$3,454,855.29Gross Policy Premium excluding all Taxes, Fees and SurchargesTo be determinedTotal Taxes, Fees & Surcharges (excluding for Risk Engineering Services and related taxes) Not ApplicableUnderwriting Service Fee (not subject to Commission)
12/46
$60,650.00Not ApplicableRisk Engineering Service Fee - Property*Risk Engineering Service Fee - Boiler and Machinery**not including State-Mandated Services, where applicable; not subject to CommissionNot ApplicableNot ApplicableNot ApplicableNot ApplicableNot Applicable
Hawaii Sales Tax For Risk Engineering Service**New Mexico Sales Tax For Risk Engineering Service**South Dakota Sales Tax For Risk Engineering Service**Texas Sales Tax For Risk Engineering Service**West Virginia Sales Tax For Risk Engineering Service**$3,515,505.29Total Cost (Zurich Premium, Zurich Underwriting Service Fee, Zurich Risk Engineering including sales tax if provided) excluding all other Taxes, Fees and Surcharges 0% Commission Percentage Master Policy**To be reconciled via additional invoice or credit upon completion of service.
All premiums quoted are net of any Taxes, Fees and Surcharges; any International Taxes, Fees, Surcharges and Reinsurance Taxes; as well as local mandatory or voluntary government pools or coverage schemes. All of these may apply and would be in addition to the above. The stated annual premium is based upon a reported amount of $15,162,223,603.00 total insurable value. This policy may be subject to countersignature fees where applicable.3.2. Taxes, Surcharges and Assessmentsa) Insurance Premium Taxes: Please note that the premium shown above is net of taxes, surcharges, assessments and duties unless otherwise indicated.b) Applicable taxes will apply to qualifying services.3.3. Other FeesNot Applicable3.4. BrokerageNot Applicable3.5. Premium & Fees Payment TermsPremium is due and payable within thirty (30) days of binding coverage.4. Other Conditions4.1. Binding Conditions / SubjectivitiesInformation required prior to binding:NA
13/46
Inspections and Recommendations:Our property loss prevention services are either included in the premium or supplemented by the Risk Engineering Service Fee, if any, shown in the premium and fee section and are subject to our determination of the degree of services necessary unless otherwise specified. Additional services can be added on a fee basis. Upon binding, we will need a survey contact person’s name and phone number to set up inspections shortly after binding.If Breakdown of Equipment is not excluded, and we are responsible for the jurisdictional inspections, we will need contacts for all locations in order to confirm needed jurisdictional inspections. Fees charged for certificates issued by those having authority to do so are the responsibility of the Insured and not a part of this Property Insurance Proposal.4.2. Risk Engineering:Risk Engineering services (Services) are provided by The Zurich Services Corporation (ZSC) and/or strategic vendors of ZSC. The outline of Services is intended as a general description and is provided solely for informational purposes. ZSC will further outline the Services in a Customer Service Plan. Nothing herein should be construed as advice or recommendations, and ZSC, its affiliates and strategic vendors do not guarantee any particular outcome or reduction in losses, claims or costs.$60,650 Risk Engineering Fee to include: Property Risk Engineering Visits to:200 I St SE, Washington, DCEliot-Hine Middle School, 1830 Constitution Ave NE, Washington DCRon Brown High School, 4800 Meade St, Washington DCColumbia Heights Education Campus ,3101 16th St. NW., Washington DCBenjamin Banneker High School, 1600 9th St NW, Washington DCIngenuity Prep Public Charter School, 4600 Livingston Rd SE, Washington DCUnified Communications Center. 2720 Martin Luther King Jr. Ave SE., Washington DCAnacostia High School, 1601 16th St. SE., Washington DC2425 N St NW, Washington DC 4.3. Additional DocumentsState amendatory endorsements as requiredNatural Catastrophe Zones as per attached Appendix A, B, C, D and E.
14/46
5. Validity of the QuotationThis Property Insurance Proposal is valid until: May 15, 2025This Property Insurance Proposal is strictly conditional upon no material change in the risk and no known new losses occurring between the date of this proposal and the inception date of the proposed policy. In the event of such change in risk, the Insurer may in its sole discretion, whether or not this proposal has been already accepted by the Insured, modify or withdraw this Property Insurance Proposal.Connor HeineAtlanta, GA 30319April 14, 2025
Authorized Representative
15/46
@PolicyChanges Endorsement ZURICH

lfeciiveDate]EndorsementNumber
5/15/2025 02
TnsuredsName PolicyNumber
DistrictofColumbia,A MunicipalCorporation Ted

THISENDORSEMENT CHANGES THE POLICY.PLEASE READ ITCAREFULLY.
Thisendorsementmodifiesinsuranceprovidedunderyourpolicyasindicatedbelow.Themodification(s)mayresultinachangeinthepremiumasindicatedabove.

‘Type(s)ofChange(s)
T_|NameofInsured T_|MailingAddressofInsured
O_|PolicyNumber o_|Company
_| Effective/ExpirationDate 1D_|LegalStatusofInsured/BusinessofInsured
O_|PaymentPlan O_|PremiumDetermination
D_|AdditionalInterestedParties X_| CoverageFormsandEndorsements
D_|Limits/Exposures D_|Deductibies
1D_|CoveredProperty/LocationDescription 1_|Classification/ClassCodes
o_|Rates D_|UnderlyingInsurance
CHANGE(S)
Itisherebyunderstoodandagreedthatthefollowingchangeshavebeenmadetothepoli

VACANCY
1.Ifanyofyourrealpropertyis vacantattheinceptionofthisPolicy,orbecomesvacant,and
remainsvacantformorethansixty(60)consecutivedays,duringthePolicyperiod,youmusa.Notifyusinwritingofthevacancypriortolossordamage;and

Maintainincompleteworkingordertheprotectivesafeguardspresentpriortothevacancy.Protective
safeguardsinclude:(1)Automaticsprinklersystems;(2)Firealarmsystem:
(3)Guardorwatchmanservices;(4)Burglarysystems;and
(5)Monitoringsystems.2. Ifthe above requirements are not met, then inaddition to the other terms,conditions,

exclusions in thisPolicy,we will:
a.Notpayforanylossordamagecausedbyorresultingfromanyofthefollowing:
Confidential\NonPersonalData

(1)Breakageofbuildingglass(2) Mold, mildew or fungus;
(3)Sprinklerleakage,unlessthesystemhasbeenprotectedagainstfreezing;(4)Theftorattemptedtheft;
(8) Vandalism;
(6)Maliciousmischief;or(7)Waterdamage.
, NotpayunderDEMOLITIONAND INCREASEDCOSTOFCONSTRUCTION;¢.Valuethelossordamageforthevacantrealproperty(includinganylossordamagetopersonal
property)atthetimeoflossatthelesserof:(1)The actual cash value;
(2)Theactualcosttorepair;or(3)Thesellingprice,lessallsavedexpenses,ifitwasbeingofferedorof loss.
3.Realpropertyisconsideredvacantwhenitdoesnotcontainsufficientpropertyandpersonneltoconductyourcustomarybusinessoperations
4,Realpropertyisnotconsideredvacantduringitsongoingconstructiono renovation.

fedforsaleatthetime

Allotherterms,conditionsandlimitationsofthisPolicyremainunchanged.
Confidential\NonPersonalData
Appendix A - Earth Movement/Earthquake Zones for USA including its Commonwealths and TerritoriesThis list is for informational purposes only and does not convey any coverage under the policy.
Country - The United States of AmericaStateZoneCounties/Parishes/Independent CitiesALABAMA3Colbert, Franklin, Lauderdale, Lawrence, Limestone, Morgan4Balance of StateALASKA1Balance of State2North SlopeARIZONA4Entire StateARKANSAS1Clay, Craighead, Crittenden, Cross, Greene, Lee, Mississippi, Poinsett, St Francis2Independence, Jackson, Lawrence, Lonoke, Monroe, Phillips, Prairie, Randolph, Sharp, White, Woodruff3Arkansas, Cleburne, Cleveland, Desha, Drew, Faulkner, Fulton, Grant, Izard, Jefferson, Lincoln, Pulaski, Saline, Stone4Balance of StateCALIFORNIA1Entire StateCOLORADO4Entire StateCONNECTICUT4Entire StateDELAWARE4Entire StateDistrict of COLUMBIA4Entire DistrictFLORIDA4Entire StateGEORGIA4Entire StateHAWAII1Entire StateIDAHO3Bannock, Bear Lake, Caribou, Franklin, Oneida, Power4Balance of StateILLINOIS1Alexander, Pulaski 2Bond, Clay, Clinton, Edwards, Franklin, Gallatin, Hamilton, Hardin, Jackson, Jefferson, Johnson, Lawrence, Madison, Marion, Massac, Monroe, Perry, Pope, Randolph, Richland, St. Clair, Saline, Union, Wabash, Washington, Wayne, White, Williamson 3Calhoun, Christian, Clark, Coles, Crawford, Cumberland, Douglas, Edgar, Effingham, Fayette, Greene, Jasper, Jersey, Macoupin, Montgomery, Morgan, Moultrie, Pike, Sangamon, Scott, Shelby4Balance of StateINDIANA2Crawford, Daviess, Dubois, Gibson, Greene, Knox, Lawrence, Martin, Orange, Perry, Pike, Posey, Spencer, Sullivan, Vanderburgh, Warrick3Brown, Clay, Fayette, Johnson, Morgan, Monroe, Owen, Rush, Shelby, Union, Vigo4Balance of State
PageofEDGE II-450-C (07/20)14
Country - The United States of AmericaStateZoneCounties/Parishes/Independent CitiesIOWA 4Entire StateKANSAS4Entire StateKENTUCKY1Ballard, Carlisle, Fulton, Hickman, McCracken2Breckinridge, Butler, Caldwell, Calloway, Christian, Crittenden, Daviess, Graves, Hancock, Henderson, Hopkins, Livingston, Logan, Lyon, Marshall, McLean, Muhlenberg, Ohio, Simpson, Todd, Trigg, Union, Warren, Webster4Balance of StateLOUISIANA4Entire StateMAINE4Entire StateMARYLAND4Entire StateMASSACHUSETTS4Entire StateMICHIGAN4Entire StateMINNESOTA4Entire StateMISSISSIPPI1DeSoto, Tunica2Alcorn, Benton, Bolivar, Coahoma, Lafayette, Leflore, Marshall, Panola, Pontotoc, Prentiss, Quitman, Sunflower, Tallahatchie, Tate, Tippah, Tishomingo, Union, Yalobusha3Calhoun, Carroll, Chickasaw, Choctaw, Clay, Grenada, Holmes, Humphreys , Issaquena, Itawamba, Lee, Lowndes, Monroe, Montgomery, Oktibbeha, Sharkey, Warren, Washington, Webster, Yazoo4Balance of StateMISSOURI1Bollinger, Butler, Cape Girardeau, Dunklin, Mississippi, New Madrid, Pemiscot, Scott, Stoddard2Carter, Iron, Jefferson, Madison, Oregon, Perry, Reynolds, Ripley, St. Francois, Ste. Genevieve, St. Charles, St. Louis, Washington, Wayne, and the City of St Louis3Audrain, Callaway, Cole, Crawford, Dent, Franklin, Gasconade, Howell, Lincoln, Maries, Marion, Miller, Montgomery, Osage, Phelps, Pike, Pulaski, Ralls, Shannon, Texas, Warren 4Balance of StateMONTANA4Entire StateNEBRASKA4Entire StateNEVADA1Carson City, Douglas 2Lyon , Storey, Washoe3Clark4Balance of StateNEW HAMPSHIRE4Entire StateNEW JERSEY4Entire StateNEW MEXICO4Entire State
PageofEDGE II-450-C (07/20)24
Country - The United States of AmericaStateZoneCounties/Parishes/Independent CitiesNEW YORK4Entire StateNORTH CAROLINA4Entire StateNORTH DAKOTA4Entire StateOHIO 4Entire StateOKLAHOMA4Entire StateOREGON 2Clackamas, Multnomah, Washington3Benton, Clatsop, Columbia, Coos, Curry, Douglas, Hood River, Jackson, Josephine, Lane, Lincoln, Linn, Marion, Polk, Tillamook, Yamhill4Balance of StatePENNSYLVANIA4Entire StateRHODE ISLAND4Entire StateSOUTH DAKOTA4Entire StateSOUTH CAROLINA1Berkely, Charleston, Dorchester3Bamberg, Beaufort, Calhoun, Clarendon, Colleton, Georgetown, Hampton, Jasper, Orangeburg, Richland, Sumter, Williamsburg4Balance of StateTENNESSEE1Crockett, Dyer, Haywood, Lake, Lauderdale, Obion, Shelby, Tipton 2Benton, Carroll, Chester, Decatur, Fayette, Gibson, Hardeman, Hardin, Henderson, Henry, Humphreys, Madison, McNairy, Weakley3Cheatham, Davidson, Dickson, Hickman, Houston, Lawrence, Lewis, Montgomery, Perry, Robertson, Stewart, Wayne4Balance of StateTEXAS4Entire StateUTAH 2Davis, Salt Lake, Utah3Cache, Morgan, Rich, Summit, Wasatch, Weber4Balance of StateVERMONT4Entire StateVIRGINIA4Entire StateWASHINGTON1Clallam, Island, Jefferson, King, Kitsap, Mason, Pierce, San Juan, Thurston2Skagit, Snohomish, Whatcom3Clark, Cowlitz, Grays Harbor, Lewis, Pacific, Skamania, Wahkiakum, 4Balance of State WEST VIRGINIA4Entire StateWISCONSIN4Entire StateWYOMING4Entire State
PageofEDGE II-450-C (07/20)34
Commonwealths and Territories of The United States of AmericaZoneAMERICAN SAMOA2Entire TerritoryGUAM 1Entire TerritoryNORTHERN MARIANA ISLANDS2Entire CommonwealthPUERTO RICO1Entire CommonwealthU.S. VIRGIN ISLANDS 1Entire Territory for Limits of Liability2Entire Territory for DeductiblesAll other US Territories and Possessions2Entire Territory
PageofEDGE II-450-C (07/20)44
Appendix B – Earth Movement/Earthquake Zones Worldwide Except USA its Commonwealths and TerritoriesThis list is for informational purposes only and does not convey any coverage under the policy.CountryZoneProvinces/Territories/States/CountiesALBANIA1 Entire CountryAFGHANISTAN1 Entire CountryALGERIA2 Balance of Country4 Adrar, Bechar, Tamanghasset, Ouargla, Illizi, Tindouf, GhardaiaANGOLA1 Entire CountryANDORRA4 Entire CountryANGUILLA1 Entire Country for Limits of Liability2 Entire Country for DeductiblesANTARCTICA3 Entire CountryANTIGUA & BARBUDA1 Entire Country for Limits of Liability2 Entire Country for DeductiblesARGENTINA1 Mendoza, Neuquen, San Juan2 Catamarca, Jujuy, Salta, Tucuman4 Balance of CountryARMENIA1 Entire CountryARUBA 3 Entire CountryAUSTRALIA2 Christmas Island , Cocos (Keeling) Islands3 Western Australia4 Balance of CountryAUSTRIA4 Entire CountryAZERBAIJAN1 Entire CountryBAHAMAS4 Entire CountryBAHRAIN4 Entire CountryBANGLADESH1 Entire CountryBARBADOS1 Entire Country for Limits of Liability2 Entire Country for DeductiblesBELARUS4 Entire CountryBELGIUM3 Entire CountryBELIZE2 Entire CountryBENIN 4 Entire CountryBERMUDA4 Entire CountryBHUTAN1 Balance of Country
PageofEDGE II-451-F (09/22)111
CountryZoneProvinces/Territories/States/Counties2 GasaBOLIVIA1 La Paz2 Oruro, Potosi, Tarija3 Beni, Chuquisaca, Cochabamba, Pando, Santa CruzBOSNIA & HERZEGOVINA2 Entire CountryBOTSWANA4 Entire CountryBRAZIL4 Entire CountryBRITISH VIRGIN ISLANDS1 Entire Country for Limits of Liability2 Entire Country for DeductiblesBRUNEI DARUSSALAM3 Entire CountryBULGARIA2 Entire CountryBURKINA FASO4 Entire CountryBURUNDI2 Entire CountryCAMBODIA4 Entire CountryCAMEROON3 Entire CountryCANADA2 British Columbia, Ontario, Quebec, Yukon except listed postal codes with first 3 characters in Zones 3 and 43 British Columbia Postal Codes:V8C,V8G,V0M,V0T,V0V,V1M,V2P,V2R,V2S,V2T,V2V,V2W,V2X,V2Y,V3B,V3C,V3E,V3G,V3H,V3J,V3K,V3L,V3N,V3R,V3T,V3V,V3Y,V4N,V4R,V4S,V4W,V4X,V4Z,V5A,V5B,V5C,V5E,V5G,V5H,V5J,V5K,V5L,V5M,V5N,V5R,V5T,V5V,V5Y,V5Z,V6A,V6B,V6C,V6E,V6G,V6H,V6J,V6K,V6L,V6R,V6T,V6Z,V7G,V7H,V7J,V7K,V7L,V7M,V7N,V7P,V7R,V7S,V7T, V7V,V7W,V7X,V7Y,V8B,V8JNew Brunswick Postal Codes: E1G,E1N,E1V,E1X,E2A,E2E,E2G,E2H,E2J,E2K,E2L,E2M,E2N,E2P,E2R,E2S,E2V,E3A,E3B,E3C,E3E,E3L,E3N,E3V,E3Y,E3Z,E4A,E4B,E4C,E4E,E4G,E4J,E4S,E4T,E4V,E4W,E4X,E4Y,E4Z,E5A,E5B,E5C,E5E,E5H,E5J,E5K,E5L,E5M,E5N,E5P,E5R,E5S,E5T,E5V,E6A,E6B,E6C,E6E,E6G,E6H,E6J,E6K,E6L,E7A,E7B,E7C,E7E,E7G,E7H,E7J,E7K,E7L,E7M,E7N,E7P,E8A,E8B,E8C,E8E,E8G,E8J,E8K,E8L,E8M,E8N,E8P,E8R,E9A,E9B,E9C,E9E,E9G,E9H,Ontario Postal Codes: K0E,K0G,K6T,K6V,K7A,K7HQuebec Postal Codes:G0E,G0J,G0K,G0M,G0N,G0P,G0S,G0V,G0Y,G0Z,G4R,G4S,G5B,G5J,G5X,G5Y,G5Z,G6A,G6B,G6E,G6G,G6H,G6J,G6K,G6L,G6P,G6R,G6S,G6T,G7A,G7B,G7G,G7H,G7J,G7K,G7N,G7P,G7S,G7T,G7X,G7Y,G7Z,G8A,J0A,J0B,J0E,J0H,J0J,J1A,J1C,J1E,J1G,J1H,J1J,J1K,J1L,J1M,J1N,J1R,J1S,J1T,J1X,J2G,J2H,J2J,J2K,J2L,J2M,J2N,J2R,J2S,J2T,J2X,J3M,J9V
PageofEDGE II-451-F (09/22)211
CountryZoneProvinces/Territories/States/CountiesCANADA (continued)4 British Columbia Postal Codes: V0C,V0J,V1J,V2K,V2M,V0A,V0B,V0E,V0G,V0H,V0K,V0L,V0W,V0X,V1A,V1B,V1C,V1E,V1G,V1H,V1K,V1L,V1N,V1P,V1R,V1S,V1T,V1V,V1W,V1X,V1Y,V1Z,V2A,V2B,V2C,V2E,V2G,V2H,V2J,V2L,V2N,V4T,V4VOntario Postal Codes: K0H,K0K,K0L,K0M,K7G,K7K,K7L,K7M,K7N,K7P,K7R,K8N,K8P,K8R,K8V,K9A,K9H,K9J,K9K,K9L,K9V,L0A,L0B,L0C,L0E,L0G,L0H,L0J,L0K,L0L,L0M,L0N,L0P,L0R,L0S,L1A,L1B,L1C,L1E,L1G,L1H,L1J,L1K,L1L,L1M,L1P,L1R,L1S,L1T,L1V,L1W,L1X,L1Y,L1Z,L2A,L2E,L2G,L2H,L2J,L2M,L2N,L2P,L2R,L2S,L2T,L2V,L2W,L3B,L3C,L3K,L3M,L3P,L3R,L3S,L3T,L3V,L3X,L3Y,L3Z,L4A,L4B,L4C,L4E,L4G,L4H,L4J,L4K,L4L,L4M,L4N,L4P,L4R,L4S,L4T,L4V,L4W,L4X,L4Y,L4Z,L5A,L5B,L5C,L5E,L5G,L5H,L5J,L5K,L5L,L5M,L5N,L5P,L5R,L5S,L5T,L5V,L5W,L6A,L6B,L6C,L6E,L6G,L6H,L6J,L6K,L6L,L6M,L6P,L6R,L6S,L6T,L6V,L6W,L6X,L6Y,L6Z,L7A,L7B,L7C,L7E,L7G,L7J,L7K,L7L,L7M,L7N,L7P,L7R,L7S,L7T,L8E,L8G,L8H,L8J,L8K,L8L,L8M,L8N,L8P,L8R,L8S,L8T,L8V,L8W,L9A,L9B,L9C,L9G,L9H,L9K,L9L,L9M,L9N,L9P,L9R,L9S,L9T,L9V,L9W,L9Y,L9Z,M1B,M1C,M1E,M1G,M1H,M1J,M1K,M1L,M1M,M1N,M1P,M1R,M1S,M1T,M1V,M1W,M1X,M2H,M2J,M2K,M2L,M2M,M2N,M2P,M2R,M3A,M3B,M3C,M3H,M3J,M3K,M3L,M3M,M3N,M4A,M4B,M4C,M4E,M4G,M4H,M4J,M4K,M4L,M4M,M4N,M4P,M4R,M4S,M4T,M4V,M4W,M4X,M4Y,M5A,M5B,M5C,M5E,M5G,M5H,M5J,M5K,M5L,M5M,M5N,M5P,M5R,M5S,M5T,M5V,M5W,M5X,M6A,M6B,M6C,M6E,M6G,M6H,M6J,M6K,M6L,M6M,M6N,M6P,M6R,M6S,M7A,M7Y,M8V,M8W,M8X,M8Y,M8Z,M9A,M9B,M9C,M9L,M9M,M9N,M9P,M9R,M9V,M9W,N0A,N0B,N0C,N0E,N0G,N0H,N0J,N0K,N0L,N0M,N0N,N0P,N0R,N1A,N1C,N1E,N1G,N1H,N1K,N1L,N1M,N1P,N1R,N1S,N1T,N2A,N2B,N2C,N2E,N2G,N2H,N2J,N2K,N2L,N2M,N2N,N2P,N2R,N2T,N2V,N2Z,N3A,N3B,N3C,N3E,N3H,N3L,N3P,N3R,N3S,N3T,N3V,N3W,N3Y,N4B,N4G,N4K,N4L,N4N,N4S,N4T,N4V,N4W,N4X,N4Z,N5A,N5C,N5H,N5L,N5P,N5R,N5V,N5W,N5X,N5Y,N5Z,N6A,N6B,N6C,N6E,N6G,N6H,N6J,N6K,N6L,N6M,N6N,N6P,N7A,N7G,N7L,N7M,N7S,N7T,N7V,N7W,N7X,N8A,N8H,N8M,N8N,N8P,N8R,N8,N8T,N8V,N8W,N8X,N8Y,N9A,N9B,N9C,N9E,N9G,N9H,N9J,N9K,N9V,N9Y,P0A,P0B,P0C,P0E,P0G,P0H,P0J,P0K,P0L,P0M,P0N,P0P,P0R,P0S,P0T,P0V,P0W,P0X,P0Y,P1A,P1B,P1C,P1H,P1L,P1P,P2A,P2B,P2N,P3A,P3B,P3C,P3E,P3G,P3L,P3N,P3P,P3Y,P4N,P4P,P4R,P5A,P5E,P5N,P6A,P6B,P6C,P7A,P7B,P7C,P7E,P7G,P7J,P7K,P7L,P8N,P8T,P9A,P9NQuebec Postal Codes: G0C,G0G,G0W,G4T,G4X,G8B,G8C,G8E,G8G,G8H,G8J,G8K,G8L,G8M,G8N,G8P,J0M,J0Y,J0Z,J9P,J9T,J9X,J9Y,J9ZBalance of CountryCAPE VERDE4 Entire CountryCAYMAN ISLANDS1 Entire Country for Limits of Liability2 Entire Country for DeductiblesCENTRAL AFRICAN REPUBLIC4 Entire CountryCHAD 4 Entire Country
PageofEDGE II-451-F (09/22)311
CountryZoneProvinces/Territories/States/CountiesCHILE 1 Entire CountryCHINA 1 Liaoning, Tianjin, Hebei, Shandong, Gansu, Sichuan, Shaanxi, Yunnan2 Tibet Autonomous Region, Macau3 Balance of Country4 Hong KongCOLOMBIA1 Antioquia, Cauca, Choco, Narino, Quindio, Risaralda, Valle del Cauca, Bogota2 Balance of Country3 Amazona, Arauca, Caqueta, Casanare, Guainia, Guaviare, Meta, Putumayo, San Anres and Providencia, Vaupes, VichadaCOMOROS4 Entire CountryCONGO, REPUBLIC OF THE2 Entire CountryCONGO, DEMOCRATIC REPUBLIC OF1 Entire CountryCOOK ISLANDS2 Entire CountryCOSTA RICA1 Entire CountryCROATIA2 Entire CountryCUBA 2 Entire CountryCURACAO3 Entire CountryCYPRUS2 Entire CountryCZECHIA3 Entire CountryDENMARK4 Entire CountryDJIBOUTI2 Entire CountryDOMINICA1 Entire Country for Limits of Liability2 Entire Country for DeductiblesDOMINICAN REPUBLIC1 Entire CountryECUADOR1 Entire CountryEGYPT 2 Cairo, Dakahlia, Damietta, Gharbia, Ismailia, Kafr el-Sheikh, Monufia, North Sinai, Port Said, Red Sea, Sharqia, Suez3 Balance of CountryEL SALVADOR1 Entire CountryEQUATORIAL-GUINEA4 Entire CountryERITREA2 Entire CountryESTONIA4 Entire CountryETHIOPIA2 Balance of Country3 Benishangul, Dure Dawa, Gambela, Harari, Somalia, TigrayFAROE ISLANDS4 Entire Country
PageofEDGE II-451-F (09/22)411
CountryZoneProvinces/Territories/States/CountiesFEDERATED STATES OF MICRONESIA2 Entire CountryFIJI 1 Entire CountryFINLAND4 Entire CountryFRANCE3 Entire CountryFRENCH GUIANA4 Entire CountryFRENCH POLYNESIA4 Entire CountryGABON 2 Ogooue-Ivindo, Ogooue-Lolo3 Balance of CountryGAMBIA4 Entire CountryGERMANY3 Entire CountryGHANA 1 Accra2 Balance of CountryGIBRALTAR3 Entire CountryGREECE1 Entire CountryGREENLAND3 Entire CountryGRENADA1 Entire Country for Limits of Liability2 Entire Country for DeductiblesGEORGIA1 Entire Country GUADELOUPE1 Entire Country for Limits of Liability2 Entire Country for DeductiblesGUATEMALA1 Balance of Country3 PetenGUINEA2 Boke3 Balance of CountryGUINEA- BISSAU3 Entire CountryGUYANA3 Entire CountryHAITI 1 Entire CountryHONDURAS1 Balance of Country3 Atlantida, Colon, Comayagua, El Paraiso, Francisco Morazan, Gracias a Dios, Islas de la Bahia, Olancho, YoroHUNGARY3 Entire CountryICELAND2 Northeast Region, South Region, Southern Peninsula Region, Capital Region3 Balance of CountryINDIA 1 Arunachal Pradesh, Assam, Gujarat, Haryana, Himachal Pradesh, Jammu and Kashmir, Manipur, Meghalaya, Mizoram, Nagaland, Punjab, Uttarakhand
PageofEDGE II-451-F (09/22)511
CountryZoneProvinces/Territories/States/Counties3 Balance of CountryINDONESIA2 Balance of Country3 (Borneo)-East Kalimantan, South Kalimantan, West Kalimantan, Central Kalimantan, Riau, Jambi, South Sulawesi, Southeast Sulawesi, Bengka-Belitung, West Nusa TenggaraIRAQ 2 Entire CountryIRELAND4 Entire CountryISLE OF MAN3 Entire CountryISRAEL1 Entire CountryITALY 1 Balance of Country3 Liguria, Lombardy, Marche, Piedmont, Aosta Valley, Trentino-Alto Adige/Südtirol, Veneto, SardiniaJAMAICA1 Entire Country for Limits of Liability2 Entire Country for Deductibles JAPAN 1 Balance of Country2 Prefectures of Akita, Fukui, Fukuoka, Gifu, Gunma, Hiroshima, Ishikawa, Kagoshima, Niigata, Okayama, Okinawa, Saga, Shimane, Tochigi, Tottori, Toyama, YamaguchiJORDAN 1 Balance of Country3 Ma'anKAZAKHSTAN1 Entire CountryKENYA 2 Entire CountryKIRIBATI2 Entire CountryKOREA, DEMOCRATIC PEOPLES REPUBLIC OF (NORTH KOREA)4 Entire Country
KOREA, REPUBLIC OF (SOUTH KOREA)3 Entire CountryKOSOVO3 Entire CountryKUWAIT4 Entire CountryKYRGYZSTAN (KYRGYZ REPUBLIC)1 Entire CountryLAOS 2 Balance of Country3 Attapu, Bolikhamxai, Champasak, Khammouan, Salavan, Savannakhet, XekongLATVIA4 Entire CountryLEBANON1 Entire CountryLESOTHO2 Balance of Country3 Berea, Butha-Buthe, Leribe, Mokhotlong, Thaba-TsekaLIBERIA4 Entire Country
PageofEDGE II-451-F (09/22)611
CountryZoneProvinces/Territories/States/CountiesLIBYA 2 Entire CountryLIECHTENSTEIN4 Entire CountryLITHUANIA4 Entire CountryLUXEMBOURG4 Entire CountryMACEDONIA1 Entire CountryMADAGASCAR3 Entire CountryMALAWI2 Entire CountryMALAYSIA3 Entire CountryMALDIVES4 Entire CountryMALI 4 Entire CountryMALTA 4 Entire CountryMARSHALL ISLANDS4 Entire CountryMARTINIQUE1 Entire Country for Limits of Liability2 Entire Country for DeductiblesMAURITANIA4 Entire CountryMAURITIUS4 Entire CountryMAYOTTE2 Entire CountryMEXICO1 Balance of Country4 Chihuahua, Campeche, Coahuila, Durango, Nuevo Leon, Quintana Roo, San Luis Potosi, Sonora, Tamaulipas, Yucatan, ZacatecasMOLDOVA2 Entire CountryMONACO3 Entire CountryMONGOLIA1 Balance of Country2 Govi-Altai, Arkhangai, Bulgan, Selenge, Tov, Ovorkhangai3 Khentii, Dundgovi, Dornogovi, Dornod, SukhbaatarMONTENEGRO2 Entire CountryMONTSERRAT1 Entire Country For Limits2 Entire Country for DeductiblesMOROCCO2 Fès-Boulemane (Fès) , Gharb-Chrarda-Béni Hssen (Kénitra), Tangier-Tétouan (Tangier) 3 Taza-Al Hoceima-Taounate (Al Hoceima)4 Balance of CountryMOZAMBIQUE2 Manica, Sofala, Zambezia3 Balance of CountryNAMIBIA4 Entire CountryNAURU 2 Entire CountryNEPAL 1 Entire Country
PageofEDGE II-451-F (09/22)711
CountryZoneProvinces/Territories/States/CountiesNETHERLANDS4 Balance of Country3 Bonaire1 Saba, Sint Eustatius for Limits of Liability3 Saba, Sint Eustatius for DeductiblesNEW CALEDONIA3 Entire CountryNEW ZEALAND1 Balance of Country3 Northland, Auckland, WaikatoNICARAGUA1 Balance of Country3 RAAN (Bilwi), RAAS (Bluefields)NIGER 4 Entire CountryNIGERIA4 Entire CountryNIUE 2 Entire CountryNORFOLK ISLAND2 Entire CountryNORWAY4 Entire CountryOMAN 4 Entire CountryPAKISTAN1 Balance of Country3 PunjabPALAU 2 Entire CountryPALESTINE1 Entire CountryPANAMA2 Entire CountryPAPUA NEW GUINEA1 Entire CountryPARAGUAY4 Entire CountryPERU 1 Entire CountryPHILIPPINES1 Entire CountryPITCAIRN ISLANDS2 Entire CountryPOLAND4 Entire CountryPORTUGAL2 Lisbon, Santarém, Faro, Azores Autonomous Region4 Balance of CountryQATAR 4 Entire CountryREUNION4 Entire CountryROMANIA2 Entire CountryRUSSIAN FEDERATION1 Kamchatka, Buryatia, Tuva, Altai Republic,, Stavropol, Chechnya, Adygea, Krasnodar, Karachay-Cherkessia, Ingushetia, Dagestan, Kabardino-Balkaria, North Ossetia-Alania3 Balance of CountryRWANDA2 Entire Country
PageofEDGE II-451-F (09/22)811
CountryZoneProvinces/Territories/States/CountiesSAMOA (WESTERN )2 Entire CountrySAN MARINO2 Entire CountrySAO TOME & PRINCIPE4 Entire CountrySAUDI ARABIA2 Jizan, Tabuk4 Balance of CountrySENEGAL3 Entire CountrySERBIA2 Entire CountrySEYCHELLES4 Entire CountrySIERRA LEONE4 Entire CountrySINGAPORE4 Entire CountrySINT MAARTEN1 Entire Country for Limits of Liability3 Entire Country for Deductibles SLOVAKIA3 Entire CountrySLOVENIA2 Entire CountrySOLOMON ISLANDS1 Entire CountrySOMALIA3 Entire CountrySOUTH AFRICA2 Free State, Western Cape3 Balance of CountrySOUTH KOREA3 Entire CountrySOUTHERN SUDAN3 Entire CountrySPAIN 2 Andalusia, Murcia3 Balance of CountrySRI LANKA3 Entire CountrySAINT BARTHELEMY1 Entire Country for Limits of Liability2 Entire Country for DeductiblesSAINT KITTS AND NEVIS1 Entire Country for Limits of Liability2 Entire Country for DeductiblesST. LUCIA1 Entire Country for Limits of Liability2 Entire Country for DeductiblesST. MARTIN1 Entire Country for Limits of Liability2 Entire Country for DeductiblesST. VINCENT AND THE GRENADINES1 Entire Country for Limits of Liability2 Entire Country for DeductiblesSURINAME4 Entire CountrySWAZILAND2 Entire CountrySWEDEN4 Entire CountrySWITZERLAND4 Entire Country
PageofEDGE II-451-F (09/22)911
CountryZoneProvinces/Territories/States/CountiesTAIWAN1 Entire CountryTAJIKISTAN1 Entire CountryTANZANIA2 Kigoma, Arusha, Singida, Dodoma, Manyara, Rukwa, Mbeya, Iringa, Ruvuma, Mtwara3 Balance of CountryTHAILAND2 Chiang Rai, Payao, Nan, Chang Mai, Mae Hong Son, Lampang, Lampun, Phrae, Uttaradit, Sukhothai, Tak, Phitsanulok, Kamphaeng Phet, Phichit, Nakhon Sawan, Uthai Thani, Kanchanaburi, Chai Nat, Lop Buri, Sara Buri, Nakon Nayok, Ang Thong, Phra Nakhon Si Ayuthaya, Nakhon Pathom, Sing Buri, Pathum Thani, Bangkok, Samut Songkhram, Samut Sakhon, Nonthaburi, Samut Prakan, Phetchaburi 3 Balance of CountryTIMOR-LESTE2 Entire CountryTOGO 3 Entire CountryTONGA 2 Entire CountryTRINIDAD AND TOBAGO1 Entire Country for Limits of Liability2 Entire Country for DeductiblesTUNISIA2 Ariana, Béja, Ben Arous, Bizerte, Gafsa, Jendouba, Manouba, Monastir, Nabeul, Sousse, Tunis, Zaghouan3 Balance of CountryTÜRKIYE1 Entire CountryTURKMENISTAN1 Entire CountryTURKS AND CAICOS1 Entire Country for Limits of Liability3 Entire Country for DeductiblesTUVALU4 Entire CountryUGANDA2 Entire CountryUKRAINE4 Entire CountryUNITED ARAB EMIRATES4 Entire CountryUNITED KINGDOM including Guernsey, Jersey3 Entire CountryURUGUAY4 Entire CountryUZBEKISTAN1 Entire CountryVANUATU2 Entire CountryVATICAN CITY1 Entire CountryVENEZUELA1 Balance of Country2 Carabobo, Aragua, Guarico, Vargas, Miranda, Dpto Capital, Anzoategui, Monagas4 Delta Amacuro, Bolivar, Amazonas
PageofEDGE II-451-F (09/22)1011
Any country not listed is designated as Zone 1 unless stated differently in the Declarations of this Policy.
CountryZoneProvinces/Territories/States/CountiesVIETNAM2 Lai Chau, Lao Cai, Yen Bai, Son La, Hoa Binh, Vinh Phu, Hanoi, Hai Phong, Ha Tay, Hai Hung, Thai Binh, Nom Ha, Ninh Binh, Thanh Hoa, Nghe An, Ha Tinh, Quang Binh, Quang Ngai, Binh Dinh, Phu Yen, Khanh Hoa, Ninh Thuan3 Balance of CountryWESTERN SAHARA4 Entire CountryYEMEN 4 Entire CountryZAMBIA2 Northern, Southern3 Balance of CountryZIMBABWE3 Entire Country
PageofEDGE II-451-F (09/22)1111
Appendix C – Named Storm Zones for USA Including its Commonwealths and TerritoriesThis list is for informational purposes only and does not convey any coverage under the policy.Country - The United States of AmericaStateZoneCounties/Parishes/Independent CitiesAlabama1Baldwin, Mobile2Clarke, Covington, Escambia, Geneva, Houston, Washington3Balance of StateConnecticut3Fairfield, Middlesex, New Haven, New London4Balance of StateDelaware3Entire StateDist. of Columbia3Entire StateFlorida1Bay, Brevard, Broward, Calhoun, Charlotte, Citrus, Collier, Desoto, Dixie, Duval, Escambia, Flagler, Franklin, Glades, Gulf, Hardee, Hendry, Hernando, Highlands, Hillsborough, Indian River, Jefferson, Lee, Levy, Liberty, Manatee, Martin, Miami-Dade, Monroe, Nassau, Okaloosa, Okeechobee, Orange, Osceola, Palm Beach, Pasco, Pinellas, Polk, Santa Rosa, Sarasota, Seminole, St. Johns, St. Lucie, Taylor, Volusia, Wakulla, Walton, Washington2Balance of StateGeorgia1Bryan, Camden, Chatham, Glynn, Liberty, McIntosh2Appling, Brantley, Bulloch, Charlton, Effingham, Evans, Long, Pierce, Tattnall, Wayne3Balance of StateHawaii1Entire StateLouisiana1Acadia, Ascension, Assumption, Calcasieu, Cameron, Iberia, Iberville Jefferson, Jefferson Davis, Lafayette, Lafourche, Livingston, Orleans, Plaquemines, St. Bernard, St. Charles, St. James, St. John the Baptist, St. Martin, St. Mary, St. Tammany, Tangipahoa, Terrebonne, Vermilion, Washington2Allen, Beauregard, East Baton Rouge, East Feliciana, Evangeline, Pointe Coupee, St. Landry, St. Helena, West Baton Rouge, West Feliciana3Balance of StateMaryland1Somerset, Wicomico, Worcester3Anne Arundel, Baltimore, Baltimore City, Calvert, Caroline, Cecil, Charles, Dorchester, Harford, Howard, Kent, Montgomery, Prince George's, Queen Anne's, St. Mary's, Talbot4Balance of StateMassachusetts3Barnstable, Bristol, Dukes, Essex, Middlesex, Nantucket, Norfolk, Plymouth, Suffolk4Balance of State
PageofEDGE II-452-D (09/21)12
Country - The United States of AmericaStateZoneCounties/Parishes/Independent CitiesMississippi1George, Hancock, Harrison, Jackson, Pearl River, Stone2Amite, Forrest, Greene, Lamar, Marion, Perry, Pike, Walthall, Wilkinson3Balance of StateNew Jersey3Atlantic, Bergen, Burlington, Camden, Cape May, Cumberland, Essex, Gloucester, Hudson, Middlesex, Monmouth, Ocean, Passaic, Salem, Somerset, Union4Balance of StateNew York3Bronx, Kings, Nassau, New York, Queens, Richmond, Rockland, Suffolk, Westchester4Balance of StateNorth Carolina1Beaufort, Bertie, Brunswick, Camden, Carteret, Chowan, Columbus, Craven, Currituck, Dare, Hyde, Jones, New Hanover, Onslow, Pamlico, Pasquotank, Pender, Perquimans, Tyrrell, Washington3Balance of StateRhode Island3Entire StateSouth Carolina1Beaufort, Berkeley, Charleston, Colleton, Dorchester, Georgetown, Horry, Jasper2Allendale, Bamberg, Clarendon, Dillon, Florence, Hampton, Marion, Williamsburg3Balance of StateTexas1Aransas, Brazoria, Calhoun, Cameron, Chambers, Fort Bend, Galveston, Harris, Jackson, Jefferson, Kenedy, Kleberg, Liberty, Matagorda, Nueces, Orange, Refugio, San Patricio, Victoria, Wharton, Willacy2Austin, Bee, Brooks, Colorado, DeWitt, Duval, Goliad, Grimes, Hardin, Hidalgo, Jasper, Jim Hogg, Jim Wells, Lavaca, Live Oak, McMullen, Montgomery, Newton, Polk, San Jacinto, Starr, Tyler, Walker, Waller4Balance of StateVirginia1Counties: Accomack, Gloucester, Isle of Wight, James City, Lancaster, Mathews, Middlesex, Northampton, Northumberland, Surry, York 1Independent Cities: Chesapeake, Franklin City, Hampton, Newport News, Norfolk, Poquoson, Portsmouth, Suffolk, Virginia Beach, and Williamsburg3Balance of StateAll Other States4Entire State
Commonwealths, Territories and Possessions of The United States of AmericaZONEAmerican Samoa2Entire TerritoryGuam 1Entire TerritoryNorthern Mariana Islands1Entire CommonwealthPuerto Rico1Entire CommonwealthU.S. Virgin Islands 1Entire Territory All other US Territories and Possessions1Entire Territory
PageofEDGE II-452-D (09/21)22
Appendix D – Named Storm Zones Worldwide ExceptUSA its Commonwealths and TerritoriesThis list is for informational purposes only and does not convey any coverage under the policy.
CountryZoneProvinces/Territories/States/CountiesAFGHANISTAN1 Entire CountryALBANIA4 Entire CountryALGERIA3 Entire CountryANDORRA3 Entire CountryANGOLA1 Entire CountryANGUILLA1 Entire CountryANTARCTICA4 Entire CountryANTIGUA and BARBUDA1 Entire CountryARMENIA4 Entire CountryARGENTINA4 Entire CountryARUBA1 Entire Country for Limits of Liability3 Entire Country for DeductiblesAUSTRALIA 1 Western Australia Postcodes: 6701,6707,6710,6711,6712,6713,6714,6716,6718,6720,6721,6722,6725,6726,6728,6731,6733,6740,6743,6751,6754,6760,6762,6765, Northern Territory Postcodes: 0800,0810,0812,0820,0822,0828,0829,0830,0832,0835,0836,0837,0838,0840,0841,0845,0846,0847,0850,0852,0853,0854,0862,0880,0885,0886, Christmas Island, Cocos (Keeling) Islands2 Queensland Postcodes: 4580,4581,4620,4621,4630,4650,4655,4659,4660,4662,4670,4671,4673,4674,4676,4677,4678,4680,4694,4695,4697,4699,4700,4701,4702,4703,4704,4705,4706,4707,4710,4711,4712,4714,4715,4716,4717,4718,4720,4721,4723,4737,4738,4739,4740,4741,4742,4743,4744,4745,4746,4750,4751,4753,4754,4756,4757,4798,4799,4800,4801,4802,4803,4804,4805,4806,4807,4808,4809,4810,4811,4812,4813,4814,4815,4816,4817,4818,4819,4820,4830,4849,4850,4852,4854,4855,4856,4857,4858,4859,4860,4861,4865,4868,4869,4870,4871,4872,4873,4874,4875,4876,4877,4878,4879,4880,4881,4882,4883,4884,4885,4886,4887,4888,4890,4891,48953 Balance of CountryAUSTRIA4 Entire CountryAZERBAIJAN4 Entire CountryBAHAMAS1 Entire CountryBAHRAIN4 Entire CountryBANGLADESH1 Entire Country
PageofEDGE II-453-G (09/22)18
CountryZoneProvinces/Territories/States/CountiesAFGHANISTAN1 Entire CountryBARBADOS1 Entire CountryBELARUS4 Entire CountryBELGIUM3 Entire CountryBELIZE1 Entire CountryBENIN4 Entire CountryBERMUDA1 Entire CountryBHUTAN4 Entire CountryBOLIVIA4 Entire CountryBOSNIA & HERZEGOVINA4 Entire CountryBOTSWANA3 Entire CountryBRAZIL4 Entire CountryBRITISH VIRGIN ISLANDS1 Entire CountryBRUNEI DARUSSALAM 4 Entire CountryBULGARIA4 Entire CountryBURKINA FASO4 Entire CountryBURUNDI1 Entire CountryCAMBODIA3 Entire CountryCAMEROON4 Entire CountryCANADA4 Entire CountryCAPE VERDE3 Entire CountryCAYMAN ISLANDS1 Entire CountryCENTRAL AFRICAN REPUBLIC4 Entire CountryCHAD3 Entire CountryCHILE3 Entire CountryCHINA1 Hainan, Macau, Guangdong, Fujian, Zhejiang, Shanghai, Jiangsu, Shangdong2 Hong Kong4 Balance of CountryCOLOMBIA3 Entire CountryCOMOROS3 Entire CountryCONGO, REPUBLIC OF THE4 Entire CountryCONGO, DEMOCRATIC REPUBLIC OF1 Entire Country
COOK ISLANDS1 Entire CountryCOSTA RICA1 Entire Country
PageofEDGE II-453-G (09/22)28
CountryZoneProvinces/Territories/States/CountiesAFGHANISTAN1 Entire CountryCOTE D'IVOIRE, REPUBLIC OF4 Entire CountryCROATIA3 Entire CountryCUBA1 Entire CountryCURACAO1 Entire Country for Limits of Liability3 Entire Country for DeductiblesCYPRUS4 Entire CountryCZECHIA4 Entire CountryDENMARK3 Entire CountryDJIBOUTI4 Entire CountryDOMINICA1 Entire CountryDOMINICAN REPUBLIC1 Entire CountryECUADOR4 Entire CountryEGYPT4 Entire CountryEL SALVADOR2 Entire CountryEQUATORIAL GUINEA4 Entire CountryERITREA4 Entire CountryESTONIA3 Entire CountryETHIOPIA4 Entire CountryFAROE ISLANDS3 Entire CountryFEDERATED STATES OF MICRONESIA1 Entire CountryFIJI1 Entire CountryFINLAND3 Entire CountryFRANCE4 Entire CountryFRENCH GUIANAEntire CountryFRENCH POLYNESIA1 Entire CountryGABON3 Entire CountryGAMBIA4 Entire CountryGERMANY3 Entire CountryGHANA3 Entire CountryGIBRALTAR3 Entire CountryGREECE4 Entire CountryGREENLAND4 Entire CountryGRENADA1 Entire CountryGEORGIA1 Entire CountryGUADELOUPE1 Entire CountryPageofEDGE II-453-G (09/22)38
CountryZoneProvinces/Territories/States/CountiesAFGHANISTAN1 Entire CountryGUATEMALA1 Izabal2 Balance of CountryGUINEA4 Entire CountryGUINEA- BISSAU4 Entire CountryGUYANA3 Entire CountryHAITI1 Entire CountryHONDURAS1 Entire CountryHUNGARY4 Entire CountryICELAND4 Entire CountryINDIA1 Andhra Pradesh, Jharkhand, Mizoram, Orissa, Tamil Nadu, Telangana, Tripura, West Bengal3 Balance of CountryINDONESIA3 Entire CountryIRAQ4 Entire CountryIRELAND3 Entire CountryISLE OF MAN3 Entire CountryISRAEL4 Entire CountryITALY3 Entire CountryJAMAICA1 Entire CountryJAPAN3 Regions of Hokkaido, Tohoku1 Balance of CountryJORDAN4 Entire CountryKAZAKHSTAN4 Entire CountryKENYA3 Entire CountryKIRIBATI1 Entire CountryKOREA, DEMOCRATIC PEOPLES REPUBLIC (NORTH KOREA)3 Entire Country
KOREA, REPUBLIC OF (SOUTH KOREA)2 Entire CountryKOSOVO4 Entire CountryKUWAIT4 Entire CountryKYRGYZSTAN (KYRGYZ REPUBLIC)4 Entire CountryLAOS3 Entire CountryLATVIA3 Entire CountryLEBANON4 Entire Country
PageofEDGE II-453-G (09/22)48
CountryZoneProvinces/Territories/States/CountiesAFGHANISTAN1 Entire CountryLESOTHO4 Entire CountryLIBERIA4 Entire CountryLIBYA4 Entire CountryLIECHTENSTEIN4 Entire CountryLITHUANIA3 Entire CountryLUXEMBOURG4 Entire CountryMACEDONIA4 Entire CountryMADAGASCAR2 Entire CountryMALAWI4 Entire CountryMALAYSIA3 Entire CountryMALDIVES3 Entire CountryMALI4 Entire CountryMALTA4 Entire CountryMARSHALL ISLANDS2 Entire CountryMARTINIQUE1 Entire CountryMAURITANIA4 Entire CountryMAURITIUS1 Entire CountryMAYOTTE1 Entire CountryMEXICO1 Baja California Sur, Colima, Campeche, Chiapas, Guerrero, Jalisco, Michoacan, Oaxaca, Quintana Roo, Tabasco, Tamaulipas, Veracruz, Yucatan4 Balance of CountryMOLDOVA4 Entire CountryMONACO3 Entire CountryMONGOLIA4 Entire CountryMONTENEGRO4 Entire CountryMONTSERRAT1 Entire CountryMOROCCO4 Entire CountryMOZAMBIQUE1 Entire CountryMYANMAR1 Entire CountryNAMIBIA4 Entire CountryNAURU4 Entire CountryNEPAL4 Entire CountryNETHERLANDS4 Balance of Country1 Bonaire for Limits of Liability3 Bonaire for Deductibles1 Saba1 Sint Eustatius
PageofEDGE II-453-G (09/22)58
CountryZoneProvinces/Territories/States/CountiesAFGHANISTAN1 Entire CountryNEW CALEDONIA1 Entire CountryNEW ZEALAND3 Entire CountryNICARAGUA1 RAAN (Bilwi), RAAS (Bluefields)2 Balance of CountryNIGER4 Entire CountryNIGERIA4 Entire CountryNIUE1 Entire CountryNORFOLK ISLAND2 Entire CountryNORWAY3 Entire CountryOMAN3 Entire CountryPAKISTAN3 Entire CountryPALAU1 Entire CountryPALESTINE4 Entire CountryPANAMA3 Entire CountryPAPUA NEW GUINEA3 Entire CountryPARAGUAY4 Entire CountryPERU4 Entire CountryPHILIPPINES1 Entire CountryPITCAIRN ISLANDS1 Entire CountryPOLAND3 Entire CountryPORTUGAL3 Azores Autonomous Region4 Balance of CountryQATAR4 Entire CountryREUNION1 Entire CountryROMANIA4 Entire CountryRUSSIAN FEDERATION4 Entire CountryRWANDA4 Entire CountrySAMOA (WESTERN )1 Entire CountrySAN MARINO4 Entire CountrySAO TOME & PRINCIPE4 Entire CountrySAUDI ARABIA4 Entire CountrySENEGAL4 Entire CountrySERBIA4 Entire CountrySEYCHELLES3 Entire CountrySIERRA LEONE4 Entire Country
PageofEDGE II-453-G (09/22)68
CountryZoneProvinces/Territories/States/CountiesAFGHANISTAN1 Entire CountrySINGAPORE4 Entire CountrySINT MAARTEN1 Entire CountrySLOVAKIA4 Entire CountrySLOVENIA4 Entire CountrySOLOMON ISLANDS2 Entire CountrySOMALIA4 Entire CountrySOUTH AFRICA4 Entire CountrySOUTH KOREA2 Entire CountrySOUTHERN SUDAN4 Entire CountrySPAIN4 Entire CountrySRI LANKA2 Entire CountrySAINT BARTHELEMY1 Entire CountrySAINT KITTS AND NEVIS1 Entire CountrySAINT LUCIA1 Entire CountrySAINT MARTIN1 Entire CountrySAINT VINCENT AND THE GRENADINES1 Entire CountrySURINAME4 Entire CountrySWAZILAND4 Entire CountrySWEDEN3 Entire CountrySWITZERLAND4 Entire CountryTAIWAN1 Entire CountryTAJIKISTAN4 Entire CountryTANZANIA4 Entire CountryTHAILAND3 Entire CountryTIMOR-LESTE3 Entire CountryTOGO4 Entire CountryTONGA1 Entire CountryTRINIDAD AND TOBAGO1 Entire CountryTUNISIA4 Entire CountryTÜRKIYE4 Entire CountryTURKMENISTAN4 Entire CountryTURKS AND CAICOS1 Entire CountryTUVALU3 Entire CountryUGANDA4 Entire CountryUKRAINE4 Entire Country
PageofEDGE II-453-G (09/22)78
Any country not listed is designated as Zone 1 unless stated differently in the Declarations of this Policy
CountryZoneProvinces/Territories/States/CountiesAFGHANISTAN1 Entire CountryUNITED ARAB EMIRATES4 Entire CountryUNITED KINGDOM including Guernsey, Jersey3 Entire Country
URUGUAY3 Entire CountryUZBEKISTAN4 Entire CountryVANUATU1 Entire CountryVATICAN CITY4 Entire CountryVENEZUELA3 Entire CountryVIETNAM2 Entire CountryWESTERN SAHARA4 Entire CountryYEMEN3 Entire CountryZAMBIA4 Entire CountryZIMBABWE4 Entire Country
PageofEDGE II-453-G (09/22)88
AppendixE~FloodZones
i)ZURICH

ThislistidentifiestheFloodZoneforlocationsbeingwithinaHighHazardandMediumHazardZone.
(Zone| ‘Address I Description ]High USA,1000,SthStSE,Washington,DistrictofColumbia,20003High USA,$80,WaterStSw,Washington,DistrictofColumbia,20024High USA,1350,PENNSYLVANIAAVENUENW,WASHINGTON,DistrictofColumbia,20004High USA,6201,BANKSPLACENE,WASHINGTON,DistrictofColumbia,20019High USA,550,WATERSTREETSW,WASHINGTON,DistrictofColumbia,20024High USA,BOL,7THSTREETSW,WASHINGTON,DistrictofColumbia,20024High USA,1050,21StstNw,Washington,DistrictofColumbia,20036High USA,2115,STHSTREETNE,WASHINGTON,DistrictofColumbia,20002High USA,95,MSTREETSW,WASHINGTON,DistrictofColumbia,20024High USA,901,GSTREETNW,WASHINGTON,DistrictofColumbia,20001High USA,635,ISTREETNE,WASHINGTON,DistrictofColumbia,20002High USA,215,GSTREETNE,WASHINGTON,DistrictofColumbia,20002High USA,540,STHSTNE,WASHINGTON,DistrictofColumbia,20019High USA,103,ATLANTICSTREETSE,WASHINGTON,DistrictofColumbia,20032High USA,B50,DELAWAREAVENUESW,WASHINGTON,DistrictofColumbia,20024High USA,4201,MINNESOTAAVENUENE,WASHINGTON,DistrictofColumbia,20019High USA,659,GSTREETNE,WASHINGTON,DistrictofColumbia,20002High USA,300,INDIANAAVENUENW,WASHINGTON,DistrictofColumbia,20001High USA,1700,QSTREETSE,WASHINGTON,DistrictofColumbia,20020High USA,601,MISSISSIPPIAVENUESE,WASHINGTON,DistrictofColumbia,20032High USA,$00,INDIANAAVENW,WASHINGTON,DistrictofColumbia,20032High USA,4600,LivingstonRaSE,Washington,DistrictofColumbia,20032High USA,1900,MASSACHUSETTSAVENUESE,WASHINGTON,DistrictofColumbia,20003High USA,650,ANACOSTIAAVENUENE,WASHINGTON,DistrictofColumbia,20019High USA,420,34THSTREETNE,WASHINGTON,DistrictofColumbia,20019High USA,201,NSTREETSW,WASHINGTON,DistrictofColumbia,20024High USA,$600,EADSSTREETNE,WASHINGTON,DistrictofColumbia,20019High USA,35,KSTREETNE,WASHINGTON,DistrictofColumbia,20002High USA,B50,26THSTREETNE,WASHINGTON,DistrictofColumbia,20002High USA,1150,STHSTREETSE,WASHINGTON,DistrictofColumbia,20003High USA,1819,35THSTREETNW,WASHINGTON,DistrictofColumbia,20007High USA,5000,HayesStNe,Washington,DistrictofColumbia,20019High USA,4800,MeadeStreet,Washington,DistrictofColumbia,20019MediumUSA,4058,MinnesotaAvenue,Washington,DistrictofColumbia,20019MediumUSA,821,HOWARDROADSE,WASHINGTON,DistrictofColumbia,20020MediumUSA,3101,16THSTREETNW,WASHINGTON,DistrictofColumbia,20010MediumUSA,1830,CONSTITUTIONAVENE,WASHINGTON,DistrictofColumbia,20002MediumUSA,100,PEABODYSTREETNW,WASHINGTON,DistrictofColumbia,20011MediumUSA,1800,PERRYSTREETNE,WASHINGTON,DistrictofColumbia,20018MediumUSA,900,WESLEYPLACESW,WASHINGTON,DistrictofColumbia,20024MediumUSA,1350,49THSTNE,WASHINGTON,DistrictofColumbia,20019MediumUSA,1601,16THSTREETSE,WASHINGTON,DistrictofColumbia,20020MediumUSA,401,MISSISSIPPIAVENUESE,WASHINGTON,DistrictofColumbia,20032MediumUSA,1129,NewHampshireAveNW,Washington,istrictofColumbia,20037,MediumUSA,1100,HarvardStreet,Washington,DistrictofColumbia,20008MediumUSA,1401,MICHIGANAVENUENE,WASHINGTON,DistrictofColumbia,20017MediumUSA,3100,14thStreet,Washington,DistrictofColumbia,20010MediumUSA,750,PARKROADNW,WASHINGTON,DistrictofColumbia,20010MediumUSA,601,ISTHSTREETNE,WASHINGTON,DistrictofColumbia,20002MediumUSA,1350,49THSTREETNE,WASHINGTON,DistrictofColumbia,20019MediumUSA,1001,HALFSTREETSW,WASHINGTON,DistrictofColumbia,20024MediumUSA,100,42NDSTREETNE,WASHINGTON,DistrictofColumbia,20019MediumUSA,44,PSTREETNW,Washington,DistrictofColumbia,20002MediumUSA,3500,RSTREETNW,WASHINGTON,DistrictofColumbia,20007MediumUSA,3180,VStNE,Washington,DistrictofColumbia,20018MediumUSA,1900,MASSACHUSETTSAVENUESE,WASHINGTON,DistrictofColumbia,20003MediumUSA,3375,MINNESOTAAVENUESE,WASHINGTON,DistrictofColumbia,20019MediumUSA,901,STSTREETNW,WASHINGTON,DistrictofColumbia,20001MediumUSA,1600,STHSTNW,WASHINGTON,DistrictofColumbia,20001,
MediumUSA,3219,0STREETNW,WASHINGTON,DistrictofColumbia,20007MediumUSA,1700,EASTCAPITOLSTREETNE,WASHINGTON,DistrictofColumbia,20003MediumUSA,4340,ConnecticutAveNw,WASHINGTON,DistrictofColumbia,20008MediumUSA,1910,MassachusettsAvenue,Washington,DistrictofColumbia,20003MediumUSA,441,4THSTREETNW,WASHINGTON,DistrictofColumbia,20001,MediumUSA,920,RSt.Nw,Washington,DistrictofColumbia,20001MediumUSA,1630,7THSTREETNW,WASHINGTON,DistrictofColumbia,20001MediumUSA,1901,DSTREETSE,WASHINGTON,DistrictofColumbia,20003MediumUSA,920,FSTREETNE,WASHINGTON,DistrictofColumbia,20002MediumUSA,3522,CONNECTICUTAVENUENW,WASHINGTON,DistrictofColumbia,20008MediumUSA,101,MSTREETSW,WASHINGTON,DistrictofColumbia,20002MediumUSA,450,HStreet,WASHINGTON,DistrictofColumbia,20001MediumUSA,1103,HALFSTREETSW,WASHINGTON,DistrictofColumbia,20024MediumUSA,651,1OTHSTREETNE,WASHINGTON,DistrictofColumbia,20002MediumUSA,200,DouglasStreetNE,WASHINGTON,DistrictofColumbia,20002MediumUSA,820,26ThSt.Ne,Washington,DistrictofColumbia,20002MediumUSA,6315,STHSTREETNW,WASHINGTON,DistrictofColumbia,20012MediumUSA,2500,GEORGIAAVENUENW,WASHINGTON,DistrictofColumbia,20001,MediumUSA,101,NStNW,Washington,DistrictofColumbia,20001MediumUSA,3,DCVILLAGELANESW,WASHINGTON,DistrictofColumbia,20032MediumUSA,5171,SOUTHDAKOTAAVENUENE,WASHINGTON,DistrictofColumbia,20011MediumUSA,1339,GreenCtNW,Washington,DistrictofColumbia,20005MediumUSA,515,DStreet,Washington,DistrictofColumbia,20001,MediumUSA,200,StSE,Washington,DistrictofColumbia,20003MediumUSA,820,SOUTHCAPITOLSTREETSW,WASHINGTON,DistrictofColumbia,20003,MediumUSA,3950,CHESAPEAKESTREETNW,WASHINGTON,DistrictofColumbia,20016MediumUSA,3650,LYPLACESE,WASHINGTON,DistrictofColumbia,20019MediumUSA,2850,NewYorkAvenue,Washington,DistrictofColumbia,20002MediumUSA,4340,ConnecticutAveNw,WASHINGTON,DistrictofColumbia,20008MediumUSA,8400,RiverRoad,Laurel,Maryland,20724MediumUSA,1131,SPRINGROADNW,WASHINGTON,DistrictofColumbia,20010,MediumUSA,2425,NSTREETNW,WASHINGTON,DistrictofColumbia,20037MediumUSA,4400,IOWAAVENUENW,WASHINGTON,DistrictofColumbia,20011MediumUSA,4301,13THSTREETNW,WASHINGTON,DistrictofColumbia,20019,MediumUSA,1350,SouthernAveSE,Washington,DistrictofColumbia,20032MediumUSA,640,10THSTREETNE,WASHINGTON,DistrictofColumbia,20002MediumUSA,701,MISSISSIPPIAVENUESE,WASHINGTON,DistrictofColumbia,20032MediumUSA,1207,TAYLORSTREETNW,Washington,DistrictofColumbia,20017
‘ifthe“Description”field(s)abovearepopulated,pleasenotethattheinformationusedtopopulatethefieldhasbeenprovidedbythecustomerintheStatementofValues,andthisinformationisusedsolelyforreferenceandidentificationpurposes.”
SCHEDULE*
Copyright ©2020 Zurich American Insurance CompanyIncludes copyrighted material of Insurance Services Office, Inc., with its permission.
*Any information required to complete this Schedule, if not shown above, will be shown in the quote or proposal.
THIS DISCLOSURE DOES NOT GRANT ANY COVERAGE OR CHANGE THE TERMS ANDCONDITIONS OF ANY COVERAGE UNDER ANY POLICY.DISCLOSURE OF IMPORTANT INFORMATIONRELATING TO TERRORISM RISK INSURANCE ACTPremium attributable to risk of loss from certified acts of terrorism for lines of insurance subject to TRIA:$636,825.29
U-GU-632-E CW (01/20)Page 1 of 2
A.Disclosure of PremiumIn accordance with the federal Terrorism Risk Insurance Act (“TRIA”), as amended, we are required to provide you with a notice disclosing the portion of your premium, if any, attributable to the risk of loss from terrorist acts certified under that Act for lines subject to TRIA. That portion of premium attributable is shown in the Schedule above. The premium shown in the Schedule above is subject to adjustment upon premium audit, if applicable.B.Disclosure of Federal Participation in Payment of Terrorism LossesYou should know that where coverage is provided by this policy for losses resulting from certified acts of terrorism, the United States Government may pay up to 80% of insured losses exceeding the statutorily established deductible paid by the insurance company providing the coverage.C.Disclosure of $100 Billion Cap on All Insurer and Federal Obligations If aggregate insured losses attributable to terrorist acts certified under TRIA exceed $100 billion in a calendar year (January 1 through December 31) and an insurer has met its deductible under the program, that insurer shall not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion, and in such case insured losses up to that amount are subject to pro rata allocation in accordance with procedures established by the Secretary of Treasury.D.Availability As required by TRIA, we have made available to you for lines subject to TRIA coverage for losses resulting from acts of terrorism certified under TRIA with terms, amounts and limitations that do not differ materially from those for losses arising from events other than acts of terrorism.E.Definition of Act of Terrorism under TRIATRIA defines "act of terrorism" as any act that is certified by the Secretary of the Treasury, in accordance with the provisions of the federal Terrorism Risk Insurance Act (“TRIA”), to be an act of terrorism. The Terrorism Risk Insurance Act provides that the Secretary of Treasury shall certify an act of terrorism:1.To be an act of terrorism;2.To be a violent act or an act that is dangerous to human life, property or infrastructure;3.To have resulted in damage within the United States, or outside of the United States in the case of an air carrier (as defined in section 40102 of Title 49, United States Code) or a United States flag vessel (or a vessel based principally in the United States, on which United States income tax is paid and whose insurance coverage is subject to regulation in the United States), or the premises of a United States mission; and 4.To have been committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion.
Copyright ©2020 Zurich American Insurance CompanyIncludes copyrighted material of Insurance Services Office, Inc., with its permission.
No act may be certified as an "act of terrorism" if the act is committed as part of the course of a war declared by Congress (except for workers’ compensation) or if losses resulting from the act, in the aggregate for insurance subject to TRIA, do not exceed $5,000,000.
U-GU-632-E CW (01/20)Page 2 of 2
kk *
mmm ~=GOVERNMENT OF THE DISTRICT OF COLUMBIA
TE CAPTIVE INSURANCE AGENCY
Jed Ross
Chief Risk Officer
MEMORANDUM
TO: Jed Ross
Chief Risk Officer
FROM: Michael Krainak
General Counsel uM &
The SCboy $ :Talia Sassoon Cohen
DeputyGeneralCounsel
DATE: April 24, 2025
SUBJECT: Legal SufficiencyCertification— Zurich American Insurance
‘CompanyRealPropertyInsuranceBinder(Policyterm5/15/2025-
5/14/2026)

ThavebeenrequestedtoreviewtheCovernoteofInsuranceissuedbyZurichAmericanInsuranceCompany(the“ZurichBinder”),attachedheretoasAttachmentA.TheZurichBinderisissuedtoAlliantInsuranceServices,Inc..,theDistrict’sinsurancebrokerthroughtheCaptive
InsuranceAgency(“Captive”).TheZurichBindersetsforththetermsofthepropertyinsurancecoverageforDistrictrealpropertyassetsandthepolicyandendorsementformsthatwillcomprisethepolicyofinsuranceonceissued,providedthattheDistrictremits$2,878,680.00(whichincludesthepremiumof$2,818,030.00plus$60,650.00inriskengineeringservicefees)withintheperiodspecifiedinthebinder.TheproposedpolicywouldbeeffectiveMay15,2025,throughMay14,2026.
Based on theanalysisbelow,I certifythattheZurichBinder islegallysufficient:
L Authorityto Procure Insurance forthe DistrictofColumbia
a. TheCaptiveInsuranceAgency(“Captive”)hasindependentprocurement
authority.D.C.OfficialCode§§1307.92;1-307.83(a)(1)(A)and(a)(14);and
Mayor’sOrder2015-238.TheCaptiveisexemptfromtheProcurementPractices
ReformAct,savefortheCouncilcontractcriteriaforsubmissionofcontracts.
D.C.OfficialCode§2-351.05(c)(18).
b. TheCaptiveisauthorizedtoobtainpropertyinsuranceforrealpropertyassets.
D.C.OfficialCode§1-307.83(a)(4A).
TheCaptiveisexemptfromtheSmallandCertifiedBusinessEnterprise
__* _pevelopmentand AssistanceActof2005.1D.C.OfficialCode § 1-307.92(1). —
441 FourthStreet,NW, Suite800 South |Washington, pe 20001 |Tel:(202)727-8600 |http://orm.de.gow/
Siec“antsea
DC
Re:LegalSufficiencyCertification— ZurichRealPropertyInsuranceBinder
Page2
I. TermsandConditionsof theZurichBinder
‘TheZurichBinderprovidesanoverallprogramlimitof$500million(55percentquotasharetobepaidbyZurich,i.e.upto$275million,withremaindertobepaidbyco-insurerunderseparatepolicy)forall-riskpropertydamageinexcessofa1,500,000
deductible.Thetotalinsuredvalueforbuildingsandpersonalpropertyunderthepolicyis
$275,000,000.00.ZurichAmericanInsuranceCompanyistheprimaryinsurerandresponsibleforpaying55percentofthefull$500millionprogramafterdeductible.TheZurichBindersctsforthvarioussublimitsforspecificcoverages.‘TheZurichBinderincludesallendorsementformsthatwillbeincorporatedintothefinalpolicy
Oncethepremiumispaid,ZurichAmericanInsuranceCompanywill
issuethepolicyconsistentwiththetermsoftheZurichBinder.Thepolicywillincludeterrorismcoverage,whichtheDistrictcarriesseparatelythrougha stand-alonepolicythroughLloyd’sofLondon.
TM. Paymentof PremiumandAvailabilityofFunding
‘TheZurichBinderwouldestablishapolicywithapremiumthatexceeds$1million.FundingisavailableundertheCaptive’slocalbudget.SeeCertificationofFundingMemorandumfromtheOfficeoftheChiefFinancialOfficertoJedRoss,ChicfRiskOfficer(March12,2025).
uth|Washington,DC 20001|Tek:(202)727-8600|htip://orm.de.gow!
iraty

441FourthStreet,NW,

ATTACHMENTA
District of Columbia, A Municipal Corporation
Property Program
If you want to learn more about the compensation Zurich pays agents and brokers visit:
http://www.zurichnaproducercompensation.com or call the following toll-free number: (866) 903- 1192.
This Notice is provided on behalf of Zurich American Insurance Company and its underwriting
subsidiaries.
1.Details
1.1. Insurer and Relationship Details
Zurich North America
1001 Summit Blvd, Suite 1200
Atlanta, GA 30319
Contact Name: Connor Heine
Telephone:
Mobile: 678-510-6198
Email: connor.heine@zurichna.com
Policy Issuing Company:
Zurich American Insurance Company
1.2. Named Insureds
District of Columbia, A Municipal Corporation
441 4th St NW
Washington, District of Columbia 20001
hereafter referred to as the First Named Insured.
The following are all hereafter referred to as the "Insured", including legal representatives.
The First Named Insured; and
any subsidiary of the First Named Insured. The First Named Insured's interest in any partnership,
joint venture or other legal entity in which the First Named Insured has management control or
ownership as now constituted or hereafter is acquired.
1.3. Broker
Taylor Forst, Vice President
Alliant Insurance Services, Inc.
227 W. Trade Street
Suite 1930
Charlotte, NC 28202
1.4. Period of Insurance
Policy Inception: May 15, 2025
Policy Expiration: May 14, 2026
Coverage begins May 15, 2025 at 12:01 AM
Coverage ends May 14, 2026 at 11:59 PM
1.5. Zurich Share
Zurich's proportionate share of loss or damage after the application of any deductible amount is:
Being $275,000,000 part of a $500,000,000 primary loss layerQuota Share 55%
2/46
Reference to Zurich include: Zurich, Company, us, we, our, Insurer
Reference to Insured include: Insured, Customer, Customers, you
Reference to Capitalized terms are normally done for emphasis
1.6. Program Overview
This proposal is presented to you with the understanding that neither Zurich nor any of its subsidiaries,
affiliates, or employees, offer, or purport to offer, advice to you concerning the proper financial,
accounting, or tax treatment for the policy(ies) of insurance referenced herein and nothing herein should
be considered to constitute such advice. If accounting advice, tax advice, or other expert professional
assistance is required, you should consult with your own accountant, adviser, counsel, or other similar
competent professional with expertise in the required area.
Reference to defined terms in a policy are normally in BOLD
2.1.Notice
2.Cover
This Property Insurance Proposal may differ from the original specifications requested and only the
coverage(s), limitations, terms and conditions contained in this Property Insurance Proposal shall apply.
2.2.Conditions
This Property Insurance Proposal is subject to the terms and conditions of the form unless indicated
otherwise. While this Property Insurance Proposal attempts to summarize and highlight the proposed
policy form, it is not complete, and the policy form should be reviewed for complete details. It is
important to carefully read the policy and its endorsements to determine rights, duties and what is and
is not covered. In the event of any inconsistencies between the proposal and the policy form
referenced, the policy language controls.
a. Contractual Document(s)
Loss or Damage Insured:
b. Basis of Cover
This Policy insures against direct physical loss of or damage from a
Covered Cause of Loss, meaning from any cause unless otherwise
excluded, that commences during the Policy Period, to Property Insured,
at an Insured Location all subject to the terms, conditions and
exclusions stated in the Policy.
No coverage can be provided in violation of any U.S. economic or trade
sanctions laws or regulations. Such coverage, which may be in violation
of any U.S. economic or trade sanctions laws and regulations, shall be
null and void and the Company shall not be liable to make any payments
or provide any defense under the policy.
3/46
Valuation: In the event of any claim for direct physical loss of or damage to Property
Insured, the basis of adjustment is on a Replacement Cost basis unless
a specific valuation applies. Replacement Cost shall be the cost to
repair, rebuild or replace the damaged property (without deduction for
depreciation) with materials of like kind, quality and capacity at the same
or another site, but no more than the lesser of:
The cost to repair;
The cost to rebuild or replace on the same or another site with
materials of equivalent size, kind, quality and capacity;
The necessary cost actually expended in repairing, rebuilding or
replacing on the same or another site, but not exceeding the
operating capacity that existed at the time of the loss; or
The Limits of Liability applicable to the lost or damaged property.
Other Valuation as follows:
Finished Stock Selling Price
Merchandise that carries the
Insured's brand or trade name
Replacement Cost
All other Merchandise Replacement Cost
Vehicles Actual Cash Value
c. Advantages of Zurich Edge II Policy
Other Advantages of the Zurich Edge II policy:
Time Element Coverage Option provides the insured the option to receive payment under
Gross Earnings or Gross Profits.
Extra Expense includes the increased costs to purchase Finished Stock from third parties to
fulfill orders.
Lease Cancellation pays for the value of undamaged Improvements and Betterments when
the Insured's lease is cancelled by the lessor due to covered damage to the property at an
Insured Location.
Ingress/Egress and Civil or Military Authority coverages both include extra expense and have
been broadened to apply when access to an Insured Location is limited, restricted or totally
prohibited.
Tsunami is covered under Earth Movement.
Cloud Service and Communication Interruption covers physical damage and time element
loss resulting from the partial or total interruption of Cloud, voice, data and video services when
the interruption is due to physical damage to the property of the supplier of service (including
damage to the supplier's transmission and distribution lines) caused by a Covered Cause of
Loss.
Logistics Extra Cost coverage pays for the additional costs incurred by the Insured to continue
usual business activities when the normal movement of goods or materials is disrupted due to
damage to property within the Policy Territory.
4/46
Spoilage from On-Premises Service Interruption coverage pays for spoilage of property at an Insured Location that occurs when electricity, gas, fuel, steam, water, or refrigeration is interrupted by an accidental event at the Insured Location.Crisis Event pays for Crisis Event Expense attributable to a violent crime, suicide or attempted suicide that occurs at the Insured Location or within a specified distance from the Insured Location. Crisis Event Expense includes costs for public relations management as well as evacuation and relocation expenses. The Policy has many Special Coverages, including coverages not subject to a sublimit. d. Policy Territory Coverage under this Policy applies to all covered loss or damage that takes place in the United States of America (USA), its territories and possessions, including the District of Columbia and the Commonwealth of Puerto Rico.For the Contingent Time Element and International Interdependency Special Coverages and Off Premises Service Interruption Cyber Event coverage, where the territory is extended to worldwide, the following Restricted Countries are excluded:Afghanistan, Albania, Algeria, Angola, Armenia, Azerbaijan, Belarus, Benin, Botswana, Burkina Faso, Burundi, Cameroon, Cape Verde, Central African Republic, Chad, Comoros, Republic of Congo, Democratic Republic of the Congo, Cuba, Djibouti, Equatorial Guinea, Eritrea, Ethiopia, Gabon, Gambia, Ghana, Guinea, Guinea-Bissau, Georgia, Haiti, Iran, Iraq, Ivory Coast, Kazakhstan, Kampuchea (Cambodia), Kenya, Kyrgyzstan (Kyrgyz Republic), Laos, Lebanon, Lesotho, Liberia, Libya, Macedonia, Madagascar, Malawi, Mali, Mauritania, Mayotte, Mongolia, Montenegro, Mozambique, Myanmar (Burma), Namibia, Niger, Nigeria, North Korea, Pakistan, Palestine, Reunion, Russian Federation, Rwanda, Sao Tomé and Principé, Senegal, Serbia, Sierra Leone, Somalia, Sri Lanka, Southern Sudan, Sudan, Swaziland, Syria, Tajikistan, Tanzania, Tibet, Togo, Turkmenistan, Uganda, Ukraine, Uzbekistan, Western Sahara, Yemen, Zambia, Zimbabwe.f. Insured LocationAn Insured Location is a Location:Listed on a Schedule of Locations on file with Company; per most recent statement of values.Covered as a Miscellaneous Unnamed Location; andCovered under the terms and conditions of the Newly Acquired Coverage or Errors and Omissions Coverage.
All amounts, including deductibles and Limits of Liability, indicated in this Policy are in USD unless otherwise indicated by the three-letter currency designator as defined in Table A.1 Currency and Funds code list, International Standards Organization, ISO 4217, edition effective at the inception date of this Policy.
g. Currency
2.3. Policy Limits of Liability
a.b.
The Policy Limit is $500,000,000 for the total of all coverages combined regardless of the number ofLocations involved subject to the following provisions: The Company will pay no more in any one (1) Occurrence than its proportionate share of the PolicyLimit.Limits of Liability stated below or elsewhere in this Policy are part of and not in addition to the Policy Limit.5/46
c.d.When an Annual Aggregate Limit of Liability is shown, the company’s maximum amount payable will not exceed such Annual Aggregate Limit of Liability.The most the Company will pay in an Occurrence caused by a Described Cause of Loss is the Limit of Liability for that Described Cause of Loss. Limits of Liability in an Occurrence apply to the total loss or damage, including any insured Time Element loss, at all Locations and for all coverages involved, subject to the following provisions:(1) The Company will pay no more in any one (1) Occurrence than its proportionate share of the applicable Location Limit when a Location Limit is specified, except as provided below for loss or damage at an Insured Location listed on the Schedule of Locations-Description of Location and Location Limit. (2) The most the Company will pay at a Location is the lesser of:(a) The specified Location Limit;(b) The Described Causes of Loss Limit of Liability at that specific Insured Location; or(c) The Described Causes of Loss Limit of Liability.
The following are the Limits of Liability (including Time and Distance limitations) in any one (1) Occurrence unless otherwise shown. The Company will pay no more in any one (1) Occurrencethan its proportionate share. f. Limits of Liability
When NCP is shown in the Declarations for any Special Coverage, Described Cause of Loss or portion of coverage, in this Policy, then any loss or damage caused by or falling within the coverage provided by that Special Coverage, Described Cause of Loss or portion of coverage, is not covered under this Policy.
Coverage PartLimits of Liability(1) PROPERTY DAMAGE AND TIME ELEMENT
$500,000,000PROPERTY DAMAGE AND TIME ELEMENTProperty Damage and Time Element combined at scheduled Locations: on file with the Company per most recent statement of values But not to exceed:$10,000,000 for new construction or additions at all Locations $10,000,000GROSS EARNINGS not to exceed 12 months$10,000,000GROSS PROFIT not to exceed 12 months$10,000,000EXTRA EXPENSE$25,000,000LEASEHOLD INTEREST 180 DAYSEXTENDED PERIOD OF LIABILITY180 days not to exceed $10,000,000ORDINARY PAYROLL30 days not to exceed $5,000,000WAGES
6/46
(2) SPECIAL COVERAGESBETTER GREEN™ UPGRADENCP30 days for property within 1mile(s), not to exceed $10,000,000 CIVIL OR MILITARY AUTHORITY
CLOUD SERVICE AND COMMUNICATION INTERRUPTION $1,000,000COMPLETED CIVIL ENGINEERING STRUCTURESNCP COMPUTER SYSTEMS DAMAGE in the Annual Aggregate$2,500,000But not to exceed:$1,000,000 Digital Assets in the Annual Aggregate$1,000,000 Time Element in the Annual AggregateCONTINGENT TIME ELEMENT but not to exceed the following limits:$2,500,000NCP per scheduled Direct Dependent Time Element Location;NCP per scheduled Indirect Dependent Time Element Location;$500,000 per unscheduled Direct Dependent Time Element Location; but not to exceed NCP for Extra Expense, however, NCPfor Earth Movement, NCP for Flood, NCP for Named Storm, NCPfor Cyber Event;NCP per unscheduled Indirect Dependent Time Element Location;NCP for Indirect Dependent Time Element Location as defined in policy line 7.33.b. (3rd or more tiers);$1,000,000 per ATTRACTION PROPERTIES Located within 1 mile(s) of the Insured Location; however, NCP for Cyber Event, Earth Movement, Flood, or Named Storm;CONTRACT PENALTIES$250,00030 days for events within 1mile(s), not to exceed $250,000 CRISIS EVENT in the Annual AggregateDECONTAMINATION COSTS$5,000,000NCP DELAY IN COMPLETIONEMERGENCY EVACUATION EXPENSE – IMPENDING LOSS in the Annual Aggregate in excess of $1,500,000$250,000ERRORS AND OMISSIONS$25,000,000EXPEDITING COSTS$10,000,000FINE ARTS but not to exceed $50,000 limit per item$5,000,000HISTORICAL BUILDINGS PRESERVATION NCP IMPOUNDED WATER 30 daysINCREASED COST OF CONSTRUCTION$150,000,000INGRESS/EGRESS 30 days for property within 1mile(s), not to exceed $10,000,000 NCP INTERNATIONAL INTERDEPENDENCY 7/46
INTERRUPTION BY FOOD BORNE ILLNESS ORCOMMUNICABLE DISEASENCP LAND AND WATER CONTAMINANT CLEANUP, REMOVAL AND DISPOSAL in the Annual Aggregate$500,000LAND IMPROVEMENTS but $2,500 per tree for trees not replaced within 12 months, but not to exceed $1,000,000 per Occurrence.$1,000,000This Coverage excludes Earthquake, Flood and Named Storm.LEASE CANCELLATION$1,000,000LOGISTICS EXTRA COSTNCP MISCELLANEOUS PERSONAL PROPERTY $25,000,000MISCELLANEOUS UNNAMED LOCATION $25,000,000MONEY DURING NORMAL BUSINESS HOURS$5,000MONEY IN LOCKED SAFE OR VAULT$5,000NEWLY ACQUIRED 120 days not to exceed $25,000,000OFF PREMISES SERVICE INTERRUPTION $20,000,000PROFESSIONAL FEES$1,000,000PROTECTION AND PRESERVATION OF PROPERTY $5,000,000 but not to exceed 48 hours for Gross Earnings or Gross ProfitRADIOACTIVE CONTAMINATION$2,500,000RESEARCH AND DEVELOPMENT12 months not to exceed $5,000,000RESEARCH ANIMALS in excess of $1,500,000$2,500,000RETRAINING OF EMPLOYEES60 days SPOILAGE FROM ON PREMISES SERVICE INTERRUPTIONNCP TENANTS ACCESS in the Annual Aggregate60 days not to exceed $250,000 TENANTS RELOCATION AND REPLACEMENT EXPENSE30 days not to exceed $1,000,000 TRANSIT $1,000,000VALUABLE PAPERS AND RECORDS$100,000,000(3) DESCRIBED CAUSES OF LOSSBREAKDOWN OF EQUIPMENT not to exceed:$500,000,000$100,000,000 for Refrigerant$2,500,000 for Spoilage from Breakdown of Covered EquipmentCYBER EVENTNCP
8/46
EARTH MOVEMENT in the Annual Aggregate but not to exceed the following limits in the Annual Aggregate:$100,000,000a). for property located in Zone 1 for Earth Movement as described inAppendix A & B. NCPb). for property located in Zone 2 for Earth Movement as described in Appendix A & B. NCP$100,000,000FLOOD in the Annual Aggregate but not to exceed the following limits in theAnnual Aggregate:a).$25,000,000 for Property Insured within a High Hazard Zone as described in Appendix E.b).$50,000,000 for Property Insured within a Medium Hazard Zone as described in Appendix E.c).$1,000,000 for Property Insured covered under Errors and Omissions, Miscellaneous Personal Property, Miscellaneous Unnamed Locations, Newly Acquired or Transit Special Coverages.$500,000,000NAMED STORM per occurrence but not to exceed: a). for property located in Zone 1 for Named Storm as described in Appendix C & D. NCPb). for property located in Zone 2 for Named Storm as described in Appendix C & D. NCPg. Causation Definition: The following term is included in the definition of the Peril as indicated:Storm Surge is part of Floodh. Time Specifications:EARTH MOVEMENT Occurrence168 hoursNAMED STORM Occurrence72 hoursCancellation for non-payment of premium10 daysCancellation for any other reason45 days
2.4.Qualifying PeriodFor the Coverages listed below the following Qualifying Period applies:CLOUD SERVICE AND COMMUNICATION INTERRUPTION applies separately at each Insured Location48 HoursCOMPUTER SYSTEMS DAMAGE applies separately at each Insured Location 48 HoursCRISIS EVENT applies separately at each Insured Location48 HoursOFF PREMISES SERVICE INTERRUPTION applies separately at each Insured Location.48 HoursTENANTS ACCESS applies separately at each Insured Location48 Hours
9/46
2.5. DEDUCTIBLES
a.
b.
Each claim for loss, damage, cost or expense as insured against arising out of any one (1) Occurrenceshall be adjusted separately. The Company shall not be liable unless the Insured sustains covered loss, damage, costs or expense in excess of the deductible(s) stated below and then only for the proportionate share of such excess amount(s).A deductible that applies on a per Location basis will apply separately to loss, damage, cost or expense at each Location where the loss or damage occurred regardless of the number of Locations involved in the Occurrence.Unless stated otherwise, if two or more deductibles apply to an Occurrence, the total deducted will not exceed the largest applicable deductible. If two or more deductibles apply on a per Locationbasis in an Occurrence, the largest deductible applying to each Location will be applied separately to each such Location. However, the applicable Flood deductible(s) and the applicable Named Storm deductible(s) will apply in addition to and regardless of any other deductibles in anOccurrence.c.d.
(1)(2)
If separate Property Damage and Time Element loss deductibles are shown, then the deductibles shall apply separately.When a “minimum deductible” per Occurrence is shown, the “minimum deductible” is the minimum dollar amount of covered damage that the Insured will retain in any one (1) Occurrence. The amount retained for purposes of applying the “minimum deductible” is the sum of:The specified location deductible for each Insured Location where the amount of covered damage exceeds the specified location deductible; andThe amount of covered damage for each Insured Location where the amount of covered damage is less than the specified location deductible.
(1)
(2)(a)(b)
When a deductible applies on a percentage basis, whether separately for Property Damage or Time Element or combined for Property Damage and Time Element, the deductible will be calculated as follows:Property Damage: The applicable percentage (%) of the value per the most current Statement of Values on file with the Company for the Location where the direct physical loss or damage occurred, per Location.Time Element: The applicable percentage (%) of the full 12 months Gross Earnings or Gross Profit values that would have been earned following the Occurrence by use of the facilities at the Location where the direct physical loss or damage occurred and all other Locations where Time Element loss ensues, per Location.When a deductible applies on a percentage basis to property that is: New construction, renovations or additions; or Covered under the Errors and Omissions, Miscellaneous Personal Property, Miscellaneous Unnamed Locations, Newly Acquired or Transit Coverages. the most current value at the time of the loss of all Property Insured, at the location where the direct physical loss or damage occurred, will be applied in the calculation of the deductible.
e.Percentage Deductibles
10/46
f.Policy Deductible(s) $1,500,000 combined Property Damage and Time Elementper Occurrence except as follows:Exceptions to Policy Deductible(s)(1) Breakdown of Equipment$1,500,000 combined Property Damage and Time Element per Occurrence for loss or damage caused by Breakdown;(2) Contingent Time Element$1,500,000 per Occurrence(3) Crisis Event$1,500,000 combined Crisis Event coverages(4) Earth Movement The following deductibles apply to loss or damage caused by or resulting from Earth Movement. $1,500,000 combined Property Damage and Time Elementper Occurrence ;(5) FloodThe following deductibles apply to loss or damage caused by or resulting from Flood.$1,500,000 combined Property Damage and Time Elementper Occurrence except as follows:(a)As respects Property Insured within a High Hazard Zone as described in Appendix E.(i)Property Damage - 5% per Location.(ii)Time Element - 5% per Location.(iii)The value of the Property Damage and Time Element deductibles above combined.(iv)The above Flood deductibles are subject to a minimum deductible of $1,500,000 combined Property Damage and Time Element per Occurrence.(b) As respects Property Insured within a Medium Flood Hazard Zone as described in Appendix E.(i)Property Damage and Time Element combined - $1,500,000 per Occurrence.(c)$1,500,000 for Property insured covered under Errors and omissions, Miscellaneous Personal Property, Miscellaneous Unnamed Locations, Newly Acquired or Transit Special Coverages.(6) Named StormThe following deductibles apply to loss or damage caused by or resulting from Named Storm.$1,500,000 combined Property Damage and Time Elementper Occurrence ; 11/46
(7) Water DamageThe following deductible applies to loss or damage caused by or resulting from Certain Water, except this deductible does not apply to loss or damage caused in whole or part by Flood.$1,500,000 combined Property Damage and Time Element perOccurrence:2.6. Additional Comments, Terms, Conditions or Endorsements:Specification DifferencesThis Property Insurance Proposal may differ from the original specifications requested and only the coverage(s), limitations, terms and conditions contained in this proposal shall apply. This Property Insurance Proposal is subject to the terms and conditions of The Zurich Edge II form unless indicated otherwise. While this proposal attempts to summarize and highlight the proposed policy form, it is not complete, and the policy form should be reviewed for complete details. It is important to carefully read the policy and its endorsements to determine rights, duties and what is and is not covered. 2.7. Coverage Not IncludedNot Applicable2.8. Captive ConditionsNot Applicable2.9. Terrorism CoverageTerrorism coverage is included for locations in the United States, territories and its possessions unless coverage declined. Refer to the attached Important Disclosure Notice regarding the Terrorism Risk Act of 2002 as amended.2.10. Applicable Law and Jurisdiction.Any disputes arising hereunder will be exclusively subject to the jurisdiction of a court of competent jurisdiction within the USA.
3.1. Annual Premium and Services (To Zurich)3. Premium and Fees$2,818,030.00Policy Premium excluding Terrorism in the USA$636,825.29Premium for Certified Terrorism Coverage (TRIA)$3,454,855.29Gross Policy Premium excluding all Taxes, Fees and SurchargesTo be determinedTotal Taxes, Fees & Surcharges (excluding for Risk Engineering Services and related taxes) Not ApplicableUnderwriting Service Fee (not subject to Commission)
12/46
$60,650.00Not ApplicableRisk Engineering Service Fee - Property*Risk Engineering Service Fee - Boiler and Machinery**not including State-Mandated Services, where applicable; not subject to CommissionNot ApplicableNot ApplicableNot ApplicableNot ApplicableNot Applicable
Hawaii Sales Tax For Risk Engineering Service**New Mexico Sales Tax For Risk Engineering Service**South Dakota Sales Tax For Risk Engineering Service**Texas Sales Tax For Risk Engineering Service**West Virginia Sales Tax For Risk Engineering Service**$3,515,505.29Total Cost (Zurich Premium, Zurich Underwriting Service Fee, Zurich Risk Engineering including sales tax if provided) excluding all other Taxes, Fees and Surcharges 0% Commission Percentage Master Policy**To be reconciled via additional invoice or credit upon completion of service.
All premiums quoted are net of any Taxes, Fees and Surcharges; any International Taxes, Fees, Surcharges and Reinsurance Taxes; as well as local mandatory or voluntary government pools or coverage schemes. All of these may apply and would be in addition to the above. The stated annual premium is based upon a reported amount of $15,162,223,603.00 total insurable value. This policy may be subject to countersignature fees where applicable.3.2. Taxes, Surcharges and Assessmentsa) Insurance Premium Taxes: Please note that the premium shown above is net of taxes, surcharges, assessments and duties unless otherwise indicated.b) Applicable taxes will apply to qualifying services.3.3. Other FeesNot Applicable3.4. BrokerageNot Applicable3.5. Premium & Fees Payment TermsPremium is due and payable within thirty (30) days of binding coverage.4. Other Conditions4.1. Binding Conditions / SubjectivitiesInformation required prior to binding:NA
13/46
Inspections and Recommendations:Our property loss prevention services are either included in the premium or supplemented by the Risk Engineering Service Fee, if any, shown in the premium and fee section and are subject to our determination of the degree of services necessary unless otherwise specified. Additional services can be added on a fee basis. Upon binding, we will need a survey contact person’s name and phone number to set up inspections shortly after binding.If Breakdown of Equipment is not excluded, and we are responsible for the jurisdictional inspections, we will need contacts for all locations in order to confirm needed jurisdictional inspections. Fees charged for certificates issued by those having authority to do so are the responsibility of the Insured and not a part of this Property Insurance Proposal.4.2. Risk Engineering:Risk Engineering services (Services) are provided by The Zurich Services Corporation (ZSC) and/or strategic vendors of ZSC. The outline of Services is intended as a general description and is provided solely for informational purposes. ZSC will further outline the Services in a Customer Service Plan. Nothing herein should be construed as advice or recommendations, and ZSC, its affiliates and strategic vendors do not guarantee any particular outcome or reduction in losses, claims or costs.$60,650 Risk Engineering Fee to include: Property Risk Engineering Visits to:200 I St SE, Washington, DCEliot-Hine Middle School, 1830 Constitution Ave NE, Washington DCRon Brown High School, 4800 Meade St, Washington DCColumbia Heights Education Campus ,3101 16th St. NW., Washington DCBenjamin Banneker High School, 1600 9th St NW, Washington DCIngenuity Prep Public Charter School, 4600 Livingston Rd SE, Washington DCUnified Communications Center. 2720 Martin Luther King Jr. Ave SE., Washington DCAnacostia High School, 1601 16th St. SE., Washington DC2425 N St NW, Washington DC 4.3. Additional DocumentsState amendatory endorsements as requiredNatural Catastrophe Zones as per attached Appendix A, B, C, D and E.
14/46
5. Validity of the QuotationThis Property Insurance Proposal is valid until: May 15, 2025This Property Insurance Proposal is strictly conditional upon no material change in the risk and no known new losses occurring between the date of this proposal and the inception date of the proposed policy. In the event of such change in risk, the Insurer may in its sole discretion, whether or not this proposal has been already accepted by the Insured, modify or withdraw this Property Insurance Proposal.Connor HeineAtlanta, GA 30319April 14, 2025
Authorized Representative
15/46
@PolicyChanges Endorsement ZURICH

lfeciiveDate]EndorsementNumber
5/15/2025 02
TnsuredsName PolicyNumber
DistrictofColumbia,A MunicipalCorporation Ted

THISENDORSEMENT CHANGES THE POLICY.PLEASE READ ITCAREFULLY.
Thisendorsementmodifiesinsuranceprovidedunderyourpolicyasindicatedbelow.Themodification(s)mayresultinachangeinthepremiumasindicatedabove.

‘Type(s)ofChange(s)
T_|NameofInsured T_|MailingAddressofInsured
O_|PolicyNumber o_|Company
_| Effective/ExpirationDate 1D_|LegalStatusofInsured/BusinessofInsured
O_|PaymentPlan O_|PremiumDetermination
D_|AdditionalInterestedParties X_| CoverageFormsandEndorsements
D_|Limits/Exposures D_|Deductibies
1D_|CoveredProperty/LocationDescription 1_|Classification/ClassCodes
o_|Rates D_|UnderlyingInsurance
CHANGE(S)
Itisherebyunderstoodandagreedthatthefollowingchangeshavebeenmadetothepoli

VACANCY
1.Ifanyofyourrealpropertyis vacantattheinceptionofthisPolicy,orbecomesvacant,and
remainsvacantformorethansixty(60)consecutivedays,duringthePolicyperiod,youmusa.Notifyusinwritingofthevacancypriortolossordamage;and

Maintainincompleteworkingordertheprotectivesafeguardspresentpriortothevacancy.Protective
safeguardsinclude:(1)Automaticsprinklersystems;(2)Firealarmsystem:
(3)Guardorwatchmanservices;(4)Burglarysystems;and
(5)Monitoringsystems.2. Ifthe above requirements are not met, then inaddition to the other terms,conditions,

exclusions in thisPolicy,we will:
a.Notpayforanylossordamagecausedbyorresultingfromanyofthefollowing:
Confidential\NonPersonalData

(1)Breakageofbuildingglass(2) Mold, mildew or fungus;
(3)Sprinklerleakage,unlessthesystemhasbeenprotectedagainstfreezing;(4)Theftorattemptedtheft;
(8) Vandalism;
(6)Maliciousmischief;or(7)Waterdamage.
, NotpayunderDEMOLITIONAND INCREASEDCOSTOFCONSTRUCTION;¢.Valuethelossordamageforthevacantrealproperty(includinganylossordamagetopersonal
property)atthetimeoflossatthelesserof:(1)The actual cash value;
(2)Theactualcosttorepair;or(3)Thesellingprice,lessallsavedexpenses,ifitwasbeingofferedorof loss.
3.Realpropertyisconsideredvacantwhenitdoesnotcontainsufficientpropertyandpersonneltoconductyourcustomarybusinessoperations
4,Realpropertyisnotconsideredvacantduringitsongoingconstructiono renovation.

fedforsaleatthetime

Allotherterms,conditionsandlimitationsofthisPolicyremainunchanged.
Confidential\NonPersonalData
Appendix A - Earth Movement/Earthquake Zones for USA including its Commonwealths and TerritoriesThis list is for informational purposes only and does not convey any coverage under the policy.
Country - The United States of AmericaStateZoneCounties/Parishes/Independent CitiesALABAMA3Colbert, Franklin, Lauderdale, Lawrence, Limestone, Morgan4Balance of StateALASKA1Balance of State2North SlopeARIZONA4Entire StateARKANSAS1Clay, Craighead, Crittenden, Cross, Greene, Lee, Mississippi, Poinsett, St Francis2Independence, Jackson, Lawrence, Lonoke, Monroe, Phillips, Prairie, Randolph, Sharp, White, Woodruff3Arkansas, Cleburne, Cleveland, Desha, Drew, Faulkner, Fulton, Grant, Izard, Jefferson, Lincoln, Pulaski, Saline, Stone4Balance of StateCALIFORNIA1Entire StateCOLORADO4Entire StateCONNECTICUT4Entire StateDELAWARE4Entire StateDistrict of COLUMBIA4Entire DistrictFLORIDA4Entire StateGEORGIA4Entire StateHAWAII1Entire StateIDAHO3Bannock, Bear Lake, Caribou, Franklin, Oneida, Power4Balance of StateILLINOIS1Alexander, Pulaski 2Bond, Clay, Clinton, Edwards, Franklin, Gallatin, Hamilton, Hardin, Jackson, Jefferson, Johnson, Lawrence, Madison, Marion, Massac, Monroe, Perry, Pope, Randolph, Richland, St. Clair, Saline, Union, Wabash, Washington, Wayne, White, Williamson 3Calhoun, Christian, Clark, Coles, Crawford, Cumberland, Douglas, Edgar, Effingham, Fayette, Greene, Jasper, Jersey, Macoupin, Montgomery, Morgan, Moultrie, Pike, Sangamon, Scott, Shelby4Balance of StateINDIANA2Crawford, Daviess, Dubois, Gibson, Greene, Knox, Lawrence, Martin, Orange, Perry, Pike, Posey, Spencer, Sullivan, Vanderburgh, Warrick3Brown, Clay, Fayette, Johnson, Morgan, Monroe, Owen, Rush, Shelby, Union, Vigo4Balance of State
PageofEDGE II-450-C (07/20)14
Country - The United States of AmericaStateZoneCounties/Parishes/Independent CitiesIOWA 4Entire StateKANSAS4Entire StateKENTUCKY1Ballard, Carlisle, Fulton, Hickman, McCracken2Breckinridge, Butler, Caldwell, Calloway, Christian, Crittenden, Daviess, Graves, Hancock, Henderson, Hopkins, Livingston, Logan, Lyon, Marshall, McLean, Muhlenberg, Ohio, Simpson, Todd, Trigg, Union, Warren, Webster4Balance of StateLOUISIANA4Entire StateMAINE4Entire StateMARYLAND4Entire StateMASSACHUSETTS4Entire StateMICHIGAN4Entire StateMINNESOTA4Entire StateMISSISSIPPI1DeSoto, Tunica2Alcorn, Benton, Bolivar, Coahoma, Lafayette, Leflore, Marshall, Panola, Pontotoc, Prentiss, Quitman, Sunflower, Tallahatchie, Tate, Tippah, Tishomingo, Union, Yalobusha3Calhoun, Carroll, Chickasaw, Choctaw, Clay, Grenada, Holmes, Humphreys , Issaquena, Itawamba, Lee, Lowndes, Monroe, Montgomery, Oktibbeha, Sharkey, Warren, Washington, Webster, Yazoo4Balance of StateMISSOURI1Bollinger, Butler, Cape Girardeau, Dunklin, Mississippi, New Madrid, Pemiscot, Scott, Stoddard2Carter, Iron, Jefferson, Madison, Oregon, Perry, Reynolds, Ripley, St. Francois, Ste. Genevieve, St. Charles, St. Louis, Washington, Wayne, and the City of St Louis3Audrain, Callaway, Cole, Crawford, Dent, Franklin, Gasconade, Howell, Lincoln, Maries, Marion, Miller, Montgomery, Osage, Phelps, Pike, Pulaski, Ralls, Shannon, Texas, Warren 4Balance of StateMONTANA4Entire StateNEBRASKA4Entire StateNEVADA1Carson City, Douglas 2Lyon , Storey, Washoe3Clark4Balance of StateNEW HAMPSHIRE4Entire StateNEW JERSEY4Entire StateNEW MEXICO4Entire State
PageofEDGE II-450-C (07/20)24
Country - The United States of AmericaStateZoneCounties/Parishes/Independent CitiesNEW YORK4Entire StateNORTH CAROLINA4Entire StateNORTH DAKOTA4Entire StateOHIO 4Entire StateOKLAHOMA4Entire StateOREGON 2Clackamas, Multnomah, Washington3Benton, Clatsop, Columbia, Coos, Curry, Douglas, Hood River, Jackson, Josephine, Lane, Lincoln, Linn, Marion, Polk, Tillamook, Yamhill4Balance of StatePENNSYLVANIA4Entire StateRHODE ISLAND4Entire StateSOUTH DAKOTA4Entire StateSOUTH CAROLINA1Berkely, Charleston, Dorchester3Bamberg, Beaufort, Calhoun, Clarendon, Colleton, Georgetown, Hampton, Jasper, Orangeburg, Richland, Sumter, Williamsburg4Balance of StateTENNESSEE1Crockett, Dyer, Haywood, Lake, Lauderdale, Obion, Shelby, Tipton 2Benton, Carroll, Chester, Decatur, Fayette, Gibson, Hardeman, Hardin, Henderson, Henry, Humphreys, Madison, McNairy, Weakley3Cheatham, Davidson, Dickson, Hickman, Houston, Lawrence, Lewis, Montgomery, Perry, Robertson, Stewart, Wayne4Balance of StateTEXAS4Entire StateUTAH 2Davis, Salt Lake, Utah3Cache, Morgan, Rich, Summit, Wasatch, Weber4Balance of StateVERMONT4Entire StateVIRGINIA4Entire StateWASHINGTON1Clallam, Island, Jefferson, King, Kitsap, Mason, Pierce, San Juan, Thurston2Skagit, Snohomish, Whatcom3Clark, Cowlitz, Grays Harbor, Lewis, Pacific, Skamania, Wahkiakum, 4Balance of State WEST VIRGINIA4Entire StateWISCONSIN4Entire StateWYOMING4Entire State
PageofEDGE II-450-C (07/20)34
Commonwealths and Territories of The United States of AmericaZoneAMERICAN SAMOA2Entire TerritoryGUAM 1Entire TerritoryNORTHERN MARIANA ISLANDS2Entire CommonwealthPUERTO RICO1Entire CommonwealthU.S. VIRGIN ISLANDS 1Entire Territory for Limits of Liability2Entire Territory for DeductiblesAll other US Territories and Possessions2Entire Territory
PageofEDGE II-450-C (07/20)44
Appendix B – Earth Movement/Earthquake Zones Worldwide Except USA its Commonwealths and TerritoriesThis list is for informational purposes only and does not convey any coverage under the policy.CountryZoneProvinces/Territories/States/CountiesALBANIA1 Entire CountryAFGHANISTAN1 Entire CountryALGERIA2 Balance of Country4 Adrar, Bechar, Tamanghasset, Ouargla, Illizi, Tindouf, GhardaiaANGOLA1 Entire CountryANDORRA4 Entire CountryANGUILLA1 Entire Country for Limits of Liability2 Entire Country for DeductiblesANTARCTICA3 Entire CountryANTIGUA & BARBUDA1 Entire Country for Limits of Liability2 Entire Country for DeductiblesARGENTINA1 Mendoza, Neuquen, San Juan2 Catamarca, Jujuy, Salta, Tucuman4 Balance of CountryARMENIA1 Entire CountryARUBA 3 Entire CountryAUSTRALIA2 Christmas Island , Cocos (Keeling) Islands3 Western Australia4 Balance of CountryAUSTRIA4 Entire CountryAZERBAIJAN1 Entire CountryBAHAMAS4 Entire CountryBAHRAIN4 Entire CountryBANGLADESH1 Entire CountryBARBADOS1 Entire Country for Limits of Liability2 Entire Country for DeductiblesBELARUS4 Entire CountryBELGIUM3 Entire CountryBELIZE2 Entire CountryBENIN 4 Entire CountryBERMUDA4 Entire CountryBHUTAN1 Balance of Country
PageofEDGE II-451-F (09/22)111
CountryZoneProvinces/Territories/States/Counties2 GasaBOLIVIA1 La Paz2 Oruro, Potosi, Tarija3 Beni, Chuquisaca, Cochabamba, Pando, Santa CruzBOSNIA & HERZEGOVINA2 Entire CountryBOTSWANA4 Entire CountryBRAZIL4 Entire CountryBRITISH VIRGIN ISLANDS1 Entire Country for Limits of Liability2 Entire Country for DeductiblesBRUNEI DARUSSALAM3 Entire CountryBULGARIA2 Entire CountryBURKINA FASO4 Entire CountryBURUNDI2 Entire CountryCAMBODIA4 Entire CountryCAMEROON3 Entire CountryCANADA2 British Columbia, Ontario, Quebec, Yukon except listed postal codes with first 3 characters in Zones 3 and 43 British Columbia Postal Codes:V8C,V8G,V0M,V0T,V0V,V1M,V2P,V2R,V2S,V2T,V2V,V2W,V2X,V2Y,V3B,V3C,V3E,V3G,V3H,V3J,V3K,V3L,V3N,V3R,V3T,V3V,V3Y,V4N,V4R,V4S,V4W,V4X,V4Z,V5A,V5B,V5C,V5E,V5G,V5H,V5J,V5K,V5L,V5M,V5N,V5R,V5T,V5V,V5Y,V5Z,V6A,V6B,V6C,V6E,V6G,V6H,V6J,V6K,V6L,V6R,V6T,V6Z,V7G,V7H,V7J,V7K,V7L,V7M,V7N,V7P,V7R,V7S,V7T, V7V,V7W,V7X,V7Y,V8B,V8JNew Brunswick Postal Codes: E1G,E1N,E1V,E1X,E2A,E2E,E2G,E2H,E2J,E2K,E2L,E2M,E2N,E2P,E2R,E2S,E2V,E3A,E3B,E3C,E3E,E3L,E3N,E3V,E3Y,E3Z,E4A,E4B,E4C,E4E,E4G,E4J,E4S,E4T,E4V,E4W,E4X,E4Y,E4Z,E5A,E5B,E5C,E5E,E5H,E5J,E5K,E5L,E5M,E5N,E5P,E5R,E5S,E5T,E5V,E6A,E6B,E6C,E6E,E6G,E6H,E6J,E6K,E6L,E7A,E7B,E7C,E7E,E7G,E7H,E7J,E7K,E7L,E7M,E7N,E7P,E8A,E8B,E8C,E8E,E8G,E8J,E8K,E8L,E8M,E8N,E8P,E8R,E9A,E9B,E9C,E9E,E9G,E9H,Ontario Postal Codes: K0E,K0G,K6T,K6V,K7A,K7HQuebec Postal Codes:G0E,G0J,G0K,G0M,G0N,G0P,G0S,G0V,G0Y,G0Z,G4R,G4S,G5B,G5J,G5X,G5Y,G5Z,G6A,G6B,G6E,G6G,G6H,G6J,G6K,G6L,G6P,G6R,G6S,G6T,G7A,G7B,G7G,G7H,G7J,G7K,G7N,G7P,G7S,G7T,G7X,G7Y,G7Z,G8A,J0A,J0B,J0E,J0H,J0J,J1A,J1C,J1E,J1G,J1H,J1J,J1K,J1L,J1M,J1N,J1R,J1S,J1T,J1X,J2G,J2H,J2J,J2K,J2L,J2M,J2N,J2R,J2S,J2T,J2X,J3M,J9V
PageofEDGE II-451-F (09/22)211
CountryZoneProvinces/Territories/States/CountiesCANADA (continued)4 British Columbia Postal Codes: V0C,V0J,V1J,V2K,V2M,V0A,V0B,V0E,V0G,V0H,V0K,V0L,V0W,V0X,V1A,V1B,V1C,V1E,V1G,V1H,V1K,V1L,V1N,V1P,V1R,V1S,V1T,V1V,V1W,V1X,V1Y,V1Z,V2A,V2B,V2C,V2E,V2G,V2H,V2J,V2L,V2N,V4T,V4VOntario Postal Codes: K0H,K0K,K0L,K0M,K7G,K7K,K7L,K7M,K7N,K7P,K7R,K8N,K8P,K8R,K8V,K9A,K9H,K9J,K9K,K9L,K9V,L0A,L0B,L0C,L0E,L0G,L0H,L0J,L0K,L0L,L0M,L0N,L0P,L0R,L0S,L1A,L1B,L1C,L1E,L1G,L1H,L1J,L1K,L1L,L1M,L1P,L1R,L1S,L1T,L1V,L1W,L1X,L1Y,L1Z,L2A,L2E,L2G,L2H,L2J,L2M,L2N,L2P,L2R,L2S,L2T,L2V,L2W,L3B,L3C,L3K,L3M,L3P,L3R,L3S,L3T,L3V,L3X,L3Y,L3Z,L4A,L4B,L4C,L4E,L4G,L4H,L4J,L4K,L4L,L4M,L4N,L4P,L4R,L4S,L4T,L4V,L4W,L4X,L4Y,L4Z,L5A,L5B,L5C,L5E,L5G,L5H,L5J,L5K,L5L,L5M,L5N,L5P,L5R,L5S,L5T,L5V,L5W,L6A,L6B,L6C,L6E,L6G,L6H,L6J,L6K,L6L,L6M,L6P,L6R,L6S,L6T,L6V,L6W,L6X,L6Y,L6Z,L7A,L7B,L7C,L7E,L7G,L7J,L7K,L7L,L7M,L7N,L7P,L7R,L7S,L7T,L8E,L8G,L8H,L8J,L8K,L8L,L8M,L8N,L8P,L8R,L8S,L8T,L8V,L8W,L9A,L9B,L9C,L9G,L9H,L9K,L9L,L9M,L9N,L9P,L9R,L9S,L9T,L9V,L9W,L9Y,L9Z,M1B,M1C,M1E,M1G,M1H,M1J,M1K,M1L,M1M,M1N,M1P,M1R,M1S,M1T,M1V,M1W,M1X,M2H,M2J,M2K,M2L,M2M,M2N,M2P,M2R,M3A,M3B,M3C,M3H,M3J,M3K,M3L,M3M,M3N,M4A,M4B,M4C,M4E,M4G,M4H,M4J,M4K,M4L,M4M,M4N,M4P,M4R,M4S,M4T,M4V,M4W,M4X,M4Y,M5A,M5B,M5C,M5E,M5G,M5H,M5J,M5K,M5L,M5M,M5N,M5P,M5R,M5S,M5T,M5V,M5W,M5X,M6A,M6B,M6C,M6E,M6G,M6H,M6J,M6K,M6L,M6M,M6N,M6P,M6R,M6S,M7A,M7Y,M8V,M8W,M8X,M8Y,M8Z,M9A,M9B,M9C,M9L,M9M,M9N,M9P,M9R,M9V,M9W,N0A,N0B,N0C,N0E,N0G,N0H,N0J,N0K,N0L,N0M,N0N,N0P,N0R,N1A,N1C,N1E,N1G,N1H,N1K,N1L,N1M,N1P,N1R,N1S,N1T,N2A,N2B,N2C,N2E,N2G,N2H,N2J,N2K,N2L,N2M,N2N,N2P,N2R,N2T,N2V,N2Z,N3A,N3B,N3C,N3E,N3H,N3L,N3P,N3R,N3S,N3T,N3V,N3W,N3Y,N4B,N4G,N4K,N4L,N4N,N4S,N4T,N4V,N4W,N4X,N4Z,N5A,N5C,N5H,N5L,N5P,N5R,N5V,N5W,N5X,N5Y,N5Z,N6A,N6B,N6C,N6E,N6G,N6H,N6J,N6K,N6L,N6M,N6N,N6P,N7A,N7G,N7L,N7M,N7S,N7T,N7V,N7W,N7X,N8A,N8H,N8M,N8N,N8P,N8R,N8,N8T,N8V,N8W,N8X,N8Y,N9A,N9B,N9C,N9E,N9G,N9H,N9J,N9K,N9V,N9Y,P0A,P0B,P0C,P0E,P0G,P0H,P0J,P0K,P0L,P0M,P0N,P0P,P0R,P0S,P0T,P0V,P0W,P0X,P0Y,P1A,P1B,P1C,P1H,P1L,P1P,P2A,P2B,P2N,P3A,P3B,P3C,P3E,P3G,P3L,P3N,P3P,P3Y,P4N,P4P,P4R,P5A,P5E,P5N,P6A,P6B,P6C,P7A,P7B,P7C,P7E,P7G,P7J,P7K,P7L,P8N,P8T,P9A,P9NQuebec Postal Codes: G0C,G0G,G0W,G4T,G4X,G8B,G8C,G8E,G8G,G8H,G8J,G8K,G8L,G8M,G8N,G8P,J0M,J0Y,J0Z,J9P,J9T,J9X,J9Y,J9ZBalance of CountryCAPE VERDE4 Entire CountryCAYMAN ISLANDS1 Entire Country for Limits of Liability2 Entire Country for DeductiblesCENTRAL AFRICAN REPUBLIC4 Entire CountryCHAD 4 Entire Country
PageofEDGE II-451-F (09/22)311
CountryZoneProvinces/Territories/States/CountiesCHILE 1 Entire CountryCHINA 1 Liaoning, Tianjin, Hebei, Shandong, Gansu, Sichuan, Shaanxi, Yunnan2 Tibet Autonomous Region, Macau3 Balance of Country4 Hong KongCOLOMBIA1 Antioquia, Cauca, Choco, Narino, Quindio, Risaralda, Valle del Cauca, Bogota2 Balance of Country3 Amazona, Arauca, Caqueta, Casanare, Guainia, Guaviare, Meta, Putumayo, San Anres and Providencia, Vaupes, VichadaCOMOROS4 Entire CountryCONGO, REPUBLIC OF THE2 Entire CountryCONGO, DEMOCRATIC REPUBLIC OF1 Entire CountryCOOK ISLANDS2 Entire CountryCOSTA RICA1 Entire CountryCROATIA2 Entire CountryCUBA 2 Entire CountryCURACAO3 Entire CountryCYPRUS2 Entire CountryCZECHIA3 Entire CountryDENMARK4 Entire CountryDJIBOUTI2 Entire CountryDOMINICA1 Entire Country for Limits of Liability2 Entire Country for DeductiblesDOMINICAN REPUBLIC1 Entire CountryECUADOR1 Entire CountryEGYPT 2 Cairo, Dakahlia, Damietta, Gharbia, Ismailia, Kafr el-Sheikh, Monufia, North Sinai, Port Said, Red Sea, Sharqia, Suez3 Balance of CountryEL SALVADOR1 Entire CountryEQUATORIAL-GUINEA4 Entire CountryERITREA2 Entire CountryESTONIA4 Entire CountryETHIOPIA2 Balance of Country3 Benishangul, Dure Dawa, Gambela, Harari, Somalia, TigrayFAROE ISLANDS4 Entire Country
PageofEDGE II-451-F (09/22)411
CountryZoneProvinces/Territories/States/CountiesFEDERATED STATES OF MICRONESIA2 Entire CountryFIJI 1 Entire CountryFINLAND4 Entire CountryFRANCE3 Entire CountryFRENCH GUIANA4 Entire CountryFRENCH POLYNESIA4 Entire CountryGABON 2 Ogooue-Ivindo, Ogooue-Lolo3 Balance of CountryGAMBIA4 Entire CountryGERMANY3 Entire CountryGHANA 1 Accra2 Balance of CountryGIBRALTAR3 Entire CountryGREECE1 Entire CountryGREENLAND3 Entire CountryGRENADA1 Entire Country for Limits of Liability2 Entire Country for DeductiblesGEORGIA1 Entire Country GUADELOUPE1 Entire Country for Limits of Liability2 Entire Country for DeductiblesGUATEMALA1 Balance of Country3 PetenGUINEA2 Boke3 Balance of CountryGUINEA- BISSAU3 Entire CountryGUYANA3 Entire CountryHAITI 1 Entire CountryHONDURAS1 Balance of Country3 Atlantida, Colon, Comayagua, El Paraiso, Francisco Morazan, Gracias a Dios, Islas de la Bahia, Olancho, YoroHUNGARY3 Entire CountryICELAND2 Northeast Region, South Region, Southern Peninsula Region, Capital Region3 Balance of CountryINDIA 1 Arunachal Pradesh, Assam, Gujarat, Haryana, Himachal Pradesh, Jammu and Kashmir, Manipur, Meghalaya, Mizoram, Nagaland, Punjab, Uttarakhand
PageofEDGE II-451-F (09/22)511
CountryZoneProvinces/Territories/States/Counties3 Balance of CountryINDONESIA2 Balance of Country3 (Borneo)-East Kalimantan, South Kalimantan, West Kalimantan, Central Kalimantan, Riau, Jambi, South Sulawesi, Southeast Sulawesi, Bengka-Belitung, West Nusa TenggaraIRAQ 2 Entire CountryIRELAND4 Entire CountryISLE OF MAN3 Entire CountryISRAEL1 Entire CountryITALY 1 Balance of Country3 Liguria, Lombardy, Marche, Piedmont, Aosta Valley, Trentino-Alto Adige/Südtirol, Veneto, SardiniaJAMAICA1 Entire Country for Limits of Liability2 Entire Country for Deductibles JAPAN 1 Balance of Country2 Prefectures of Akita, Fukui, Fukuoka, Gifu, Gunma, Hiroshima, Ishikawa, Kagoshima, Niigata, Okayama, Okinawa, Saga, Shimane, Tochigi, Tottori, Toyama, YamaguchiJORDAN 1 Balance of Country3 Ma'anKAZAKHSTAN1 Entire CountryKENYA 2 Entire CountryKIRIBATI2 Entire CountryKOREA, DEMOCRATIC PEOPLES REPUBLIC OF (NORTH KOREA)4 Entire Country
KOREA, REPUBLIC OF (SOUTH KOREA)3 Entire CountryKOSOVO3 Entire CountryKUWAIT4 Entire CountryKYRGYZSTAN (KYRGYZ REPUBLIC)1 Entire CountryLAOS 2 Balance of Country3 Attapu, Bolikhamxai, Champasak, Khammouan, Salavan, Savannakhet, XekongLATVIA4 Entire CountryLEBANON1 Entire CountryLESOTHO2 Balance of Country3 Berea, Butha-Buthe, Leribe, Mokhotlong, Thaba-TsekaLIBERIA4 Entire Country
PageofEDGE II-451-F (09/22)611
CountryZoneProvinces/Territories/States/CountiesLIBYA 2 Entire CountryLIECHTENSTEIN4 Entire CountryLITHUANIA4 Entire CountryLUXEMBOURG4 Entire CountryMACEDONIA1 Entire CountryMADAGASCAR3 Entire CountryMALAWI2 Entire CountryMALAYSIA3 Entire CountryMALDIVES4 Entire CountryMALI 4 Entire CountryMALTA 4 Entire CountryMARSHALL ISLANDS4 Entire CountryMARTINIQUE1 Entire Country for Limits of Liability2 Entire Country for DeductiblesMAURITANIA4 Entire CountryMAURITIUS4 Entire CountryMAYOTTE2 Entire CountryMEXICO1 Balance of Country4 Chihuahua, Campeche, Coahuila, Durango, Nuevo Leon, Quintana Roo, San Luis Potosi, Sonora, Tamaulipas, Yucatan, ZacatecasMOLDOVA2 Entire CountryMONACO3 Entire CountryMONGOLIA1 Balance of Country2 Govi-Altai, Arkhangai, Bulgan, Selenge, Tov, Ovorkhangai3 Khentii, Dundgovi, Dornogovi, Dornod, SukhbaatarMONTENEGRO2 Entire CountryMONTSERRAT1 Entire Country For Limits2 Entire Country for DeductiblesMOROCCO2 Fès-Boulemane (Fès) , Gharb-Chrarda-Béni Hssen (Kénitra), Tangier-Tétouan (Tangier) 3 Taza-Al Hoceima-Taounate (Al Hoceima)4 Balance of CountryMOZAMBIQUE2 Manica, Sofala, Zambezia3 Balance of CountryNAMIBIA4 Entire CountryNAURU 2 Entire CountryNEPAL 1 Entire Country
PageofEDGE II-451-F (09/22)711
CountryZoneProvinces/Territories/States/CountiesNETHERLANDS4 Balance of Country3 Bonaire1 Saba, Sint Eustatius for Limits of Liability3 Saba, Sint Eustatius for DeductiblesNEW CALEDONIA3 Entire CountryNEW ZEALAND1 Balance of Country3 Northland, Auckland, WaikatoNICARAGUA1 Balance of Country3 RAAN (Bilwi), RAAS (Bluefields)NIGER 4 Entire CountryNIGERIA4 Entire CountryNIUE 2 Entire CountryNORFOLK ISLAND2 Entire CountryNORWAY4 Entire CountryOMAN 4 Entire CountryPAKISTAN1 Balance of Country3 PunjabPALAU 2 Entire CountryPALESTINE1 Entire CountryPANAMA2 Entire CountryPAPUA NEW GUINEA1 Entire CountryPARAGUAY4 Entire CountryPERU 1 Entire CountryPHILIPPINES1 Entire CountryPITCAIRN ISLANDS2 Entire CountryPOLAND4 Entire CountryPORTUGAL2 Lisbon, Santarém, Faro, Azores Autonomous Region4 Balance of CountryQATAR 4 Entire CountryREUNION4 Entire CountryROMANIA2 Entire CountryRUSSIAN FEDERATION1 Kamchatka, Buryatia, Tuva, Altai Republic,, Stavropol, Chechnya, Adygea, Krasnodar, Karachay-Cherkessia, Ingushetia, Dagestan, Kabardino-Balkaria, North Ossetia-Alania3 Balance of CountryRWANDA2 Entire Country
PageofEDGE II-451-F (09/22)811
CountryZoneProvinces/Territories/States/CountiesSAMOA (WESTERN )2 Entire CountrySAN MARINO2 Entire CountrySAO TOME & PRINCIPE4 Entire CountrySAUDI ARABIA2 Jizan, Tabuk4 Balance of CountrySENEGAL3 Entire CountrySERBIA2 Entire CountrySEYCHELLES4 Entire CountrySIERRA LEONE4 Entire CountrySINGAPORE4 Entire CountrySINT MAARTEN1 Entire Country for Limits of Liability3 Entire Country for Deductibles SLOVAKIA3 Entire CountrySLOVENIA2 Entire CountrySOLOMON ISLANDS1 Entire CountrySOMALIA3 Entire CountrySOUTH AFRICA2 Free State, Western Cape3 Balance of CountrySOUTH KOREA3 Entire CountrySOUTHERN SUDAN3 Entire CountrySPAIN 2 Andalusia, Murcia3 Balance of CountrySRI LANKA3 Entire CountrySAINT BARTHELEMY1 Entire Country for Limits of Liability2 Entire Country for DeductiblesSAINT KITTS AND NEVIS1 Entire Country for Limits of Liability2 Entire Country for DeductiblesST. LUCIA1 Entire Country for Limits of Liability2 Entire Country for DeductiblesST. MARTIN1 Entire Country for Limits of Liability2 Entire Country for DeductiblesST. VINCENT AND THE GRENADINES1 Entire Country for Limits of Liability2 Entire Country for DeductiblesSURINAME4 Entire CountrySWAZILAND2 Entire CountrySWEDEN4 Entire CountrySWITZERLAND4 Entire Country
PageofEDGE II-451-F (09/22)911
CountryZoneProvinces/Territories/States/CountiesTAIWAN1 Entire CountryTAJIKISTAN1 Entire CountryTANZANIA2 Kigoma, Arusha, Singida, Dodoma, Manyara, Rukwa, Mbeya, Iringa, Ruvuma, Mtwara3 Balance of CountryTHAILAND2 Chiang Rai, Payao, Nan, Chang Mai, Mae Hong Son, Lampang, Lampun, Phrae, Uttaradit, Sukhothai, Tak, Phitsanulok, Kamphaeng Phet, Phichit, Nakhon Sawan, Uthai Thani, Kanchanaburi, Chai Nat, Lop Buri, Sara Buri, Nakon Nayok, Ang Thong, Phra Nakhon Si Ayuthaya, Nakhon Pathom, Sing Buri, Pathum Thani, Bangkok, Samut Songkhram, Samut Sakhon, Nonthaburi, Samut Prakan, Phetchaburi 3 Balance of CountryTIMOR-LESTE2 Entire CountryTOGO 3 Entire CountryTONGA 2 Entire CountryTRINIDAD AND TOBAGO1 Entire Country for Limits of Liability2 Entire Country for DeductiblesTUNISIA2 Ariana, Béja, Ben Arous, Bizerte, Gafsa, Jendouba, Manouba, Monastir, Nabeul, Sousse, Tunis, Zaghouan3 Balance of CountryTÜRKIYE1 Entire CountryTURKMENISTAN1 Entire CountryTURKS AND CAICOS1 Entire Country for Limits of Liability3 Entire Country for DeductiblesTUVALU4 Entire CountryUGANDA2 Entire CountryUKRAINE4 Entire CountryUNITED ARAB EMIRATES4 Entire CountryUNITED KINGDOM including Guernsey, Jersey3 Entire CountryURUGUAY4 Entire CountryUZBEKISTAN1 Entire CountryVANUATU2 Entire CountryVATICAN CITY1 Entire CountryVENEZUELA1 Balance of Country2 Carabobo, Aragua, Guarico, Vargas, Miranda, Dpto Capital, Anzoategui, Monagas4 Delta Amacuro, Bolivar, Amazonas
PageofEDGE II-451-F (09/22)1011
Any country not listed is designated as Zone 1 unless stated differently in the Declarations of this Policy.
CountryZoneProvinces/Territories/States/CountiesVIETNAM2 Lai Chau, Lao Cai, Yen Bai, Son La, Hoa Binh, Vinh Phu, Hanoi, Hai Phong, Ha Tay, Hai Hung, Thai Binh, Nom Ha, Ninh Binh, Thanh Hoa, Nghe An, Ha Tinh, Quang Binh, Quang Ngai, Binh Dinh, Phu Yen, Khanh Hoa, Ninh Thuan3 Balance of CountryWESTERN SAHARA4 Entire CountryYEMEN 4 Entire CountryZAMBIA2 Northern, Southern3 Balance of CountryZIMBABWE3 Entire Country
PageofEDGE II-451-F (09/22)1111
Appendix C – Named Storm Zones for USA Including its Commonwealths and TerritoriesThis list is for informational purposes only and does not convey any coverage under the policy.Country - The United States of AmericaStateZoneCounties/Parishes/Independent CitiesAlabama1Baldwin, Mobile2Clarke, Covington, Escambia, Geneva, Houston, Washington3Balance of StateConnecticut3Fairfield, Middlesex, New Haven, New London4Balance of StateDelaware3Entire StateDist. of Columbia3Entire StateFlorida1Bay, Brevard, Broward, Calhoun, Charlotte, Citrus, Collier, Desoto, Dixie, Duval, Escambia, Flagler, Franklin, Glades, Gulf, Hardee, Hendry, Hernando, Highlands, Hillsborough, Indian River, Jefferson, Lee, Levy, Liberty, Manatee, Martin, Miami-Dade, Monroe, Nassau, Okaloosa, Okeechobee, Orange, Osceola, Palm Beach, Pasco, Pinellas, Polk, Santa Rosa, Sarasota, Seminole, St. Johns, St. Lucie, Taylor, Volusia, Wakulla, Walton, Washington2Balance of StateGeorgia1Bryan, Camden, Chatham, Glynn, Liberty, McIntosh2Appling, Brantley, Bulloch, Charlton, Effingham, Evans, Long, Pierce, Tattnall, Wayne3Balance of StateHawaii1Entire StateLouisiana1Acadia, Ascension, Assumption, Calcasieu, Cameron, Iberia, Iberville Jefferson, Jefferson Davis, Lafayette, Lafourche, Livingston, Orleans, Plaquemines, St. Bernard, St. Charles, St. James, St. John the Baptist, St. Martin, St. Mary, St. Tammany, Tangipahoa, Terrebonne, Vermilion, Washington2Allen, Beauregard, East Baton Rouge, East Feliciana, Evangeline, Pointe Coupee, St. Landry, St. Helena, West Baton Rouge, West Feliciana3Balance of StateMaryland1Somerset, Wicomico, Worcester3Anne Arundel, Baltimore, Baltimore City, Calvert, Caroline, Cecil, Charles, Dorchester, Harford, Howard, Kent, Montgomery, Prince George's, Queen Anne's, St. Mary's, Talbot4Balance of StateMassachusetts3Barnstable, Bristol, Dukes, Essex, Middlesex, Nantucket, Norfolk, Plymouth, Suffolk4Balance of State
PageofEDGE II-452-D (09/21)12
Country - The United States of AmericaStateZoneCounties/Parishes/Independent CitiesMississippi1George, Hancock, Harrison, Jackson, Pearl River, Stone2Amite, Forrest, Greene, Lamar, Marion, Perry, Pike, Walthall, Wilkinson3Balance of StateNew Jersey3Atlantic, Bergen, Burlington, Camden, Cape May, Cumberland, Essex, Gloucester, Hudson, Middlesex, Monmouth, Ocean, Passaic, Salem, Somerset, Union4Balance of StateNew York3Bronx, Kings, Nassau, New York, Queens, Richmond, Rockland, Suffolk, Westchester4Balance of StateNorth Carolina1Beaufort, Bertie, Brunswick, Camden, Carteret, Chowan, Columbus, Craven, Currituck, Dare, Hyde, Jones, New Hanover, Onslow, Pamlico, Pasquotank, Pender, Perquimans, Tyrrell, Washington3Balance of StateRhode Island3Entire StateSouth Carolina1Beaufort, Berkeley, Charleston, Colleton, Dorchester, Georgetown, Horry, Jasper2Allendale, Bamberg, Clarendon, Dillon, Florence, Hampton, Marion, Williamsburg3Balance of StateTexas1Aransas, Brazoria, Calhoun, Cameron, Chambers, Fort Bend, Galveston, Harris, Jackson, Jefferson, Kenedy, Kleberg, Liberty, Matagorda, Nueces, Orange, Refugio, San Patricio, Victoria, Wharton, Willacy2Austin, Bee, Brooks, Colorado, DeWitt, Duval, Goliad, Grimes, Hardin, Hidalgo, Jasper, Jim Hogg, Jim Wells, Lavaca, Live Oak, McMullen, Montgomery, Newton, Polk, San Jacinto, Starr, Tyler, Walker, Waller4Balance of StateVirginia1Counties: Accomack, Gloucester, Isle of Wight, James City, Lancaster, Mathews, Middlesex, Northampton, Northumberland, Surry, York 1Independent Cities: Chesapeake, Franklin City, Hampton, Newport News, Norfolk, Poquoson, Portsmouth, Suffolk, Virginia Beach, and Williamsburg3Balance of StateAll Other States4Entire State
Commonwealths, Territories and Possessions of The United States of AmericaZONEAmerican Samoa2Entire TerritoryGuam 1Entire TerritoryNorthern Mariana Islands1Entire CommonwealthPuerto Rico1Entire CommonwealthU.S. Virgin Islands 1Entire Territory All other US Territories and Possessions1Entire Territory
PageofEDGE II-452-D (09/21)22
Appendix D – Named Storm Zones Worldwide ExceptUSA its Commonwealths and TerritoriesThis list is for informational purposes only and does not convey any coverage under the policy.
CountryZoneProvinces/Territories/States/CountiesAFGHANISTAN1 Entire CountryALBANIA4 Entire CountryALGERIA3 Entire CountryANDORRA3 Entire CountryANGOLA1 Entire CountryANGUILLA1 Entire CountryANTARCTICA4 Entire CountryANTIGUA and BARBUDA1 Entire CountryARMENIA4 Entire CountryARGENTINA4 Entire CountryARUBA1 Entire Country for Limits of Liability3 Entire Country for DeductiblesAUSTRALIA 1 Western Australia Postcodes: 6701,6707,6710,6711,6712,6713,6714,6716,6718,6720,6721,6722,6725,6726,6728,6731,6733,6740,6743,6751,6754,6760,6762,6765, Northern Territory Postcodes: 0800,0810,0812,0820,0822,0828,0829,0830,0832,0835,0836,0837,0838,0840,0841,0845,0846,0847,0850,0852,0853,0854,0862,0880,0885,0886, Christmas Island, Cocos (Keeling) Islands2 Queensland Postcodes: 4580,4581,4620,4621,4630,4650,4655,4659,4660,4662,4670,4671,4673,4674,4676,4677,4678,4680,4694,4695,4697,4699,4700,4701,4702,4703,4704,4705,4706,4707,4710,4711,4712,4714,4715,4716,4717,4718,4720,4721,4723,4737,4738,4739,4740,4741,4742,4743,4744,4745,4746,4750,4751,4753,4754,4756,4757,4798,4799,4800,4801,4802,4803,4804,4805,4806,4807,4808,4809,4810,4811,4812,4813,4814,4815,4816,4817,4818,4819,4820,4830,4849,4850,4852,4854,4855,4856,4857,4858,4859,4860,4861,4865,4868,4869,4870,4871,4872,4873,4874,4875,4876,4877,4878,4879,4880,4881,4882,4883,4884,4885,4886,4887,4888,4890,4891,48953 Balance of CountryAUSTRIA4 Entire CountryAZERBAIJAN4 Entire CountryBAHAMAS1 Entire CountryBAHRAIN4 Entire CountryBANGLADESH1 Entire Country
PageofEDGE II-453-G (09/22)18
CountryZoneProvinces/Territories/States/CountiesAFGHANISTAN1 Entire CountryBARBADOS1 Entire CountryBELARUS4 Entire CountryBELGIUM3 Entire CountryBELIZE1 Entire CountryBENIN4 Entire CountryBERMUDA1 Entire CountryBHUTAN4 Entire CountryBOLIVIA4 Entire CountryBOSNIA & HERZEGOVINA4 Entire CountryBOTSWANA3 Entire CountryBRAZIL4 Entire CountryBRITISH VIRGIN ISLANDS1 Entire CountryBRUNEI DARUSSALAM 4 Entire CountryBULGARIA4 Entire CountryBURKINA FASO4 Entire CountryBURUNDI1 Entire CountryCAMBODIA3 Entire CountryCAMEROON4 Entire CountryCANADA4 Entire CountryCAPE VERDE3 Entire CountryCAYMAN ISLANDS1 Entire CountryCENTRAL AFRICAN REPUBLIC4 Entire CountryCHAD3 Entire CountryCHILE3 Entire CountryCHINA1 Hainan, Macau, Guangdong, Fujian, Zhejiang, Shanghai, Jiangsu, Shangdong2 Hong Kong4 Balance of CountryCOLOMBIA3 Entire CountryCOMOROS3 Entire CountryCONGO, REPUBLIC OF THE4 Entire CountryCONGO, DEMOCRATIC REPUBLIC OF1 Entire Country
COOK ISLANDS1 Entire CountryCOSTA RICA1 Entire Country
PageofEDGE II-453-G (09/22)28
CountryZoneProvinces/Territories/States/CountiesAFGHANISTAN1 Entire CountryCOTE D'IVOIRE, REPUBLIC OF4 Entire CountryCROATIA3 Entire CountryCUBA1 Entire CountryCURACAO1 Entire Country for Limits of Liability3 Entire Country for DeductiblesCYPRUS4 Entire CountryCZECHIA4 Entire CountryDENMARK3 Entire CountryDJIBOUTI4 Entire CountryDOMINICA1 Entire CountryDOMINICAN REPUBLIC1 Entire CountryECUADOR4 Entire CountryEGYPT4 Entire CountryEL SALVADOR2 Entire CountryEQUATORIAL GUINEA4 Entire CountryERITREA4 Entire CountryESTONIA3 Entire CountryETHIOPIA4 Entire CountryFAROE ISLANDS3 Entire CountryFEDERATED STATES OF MICRONESIA1 Entire CountryFIJI1 Entire CountryFINLAND3 Entire CountryFRANCE4 Entire CountryFRENCH GUIANAEntire CountryFRENCH POLYNESIA1 Entire CountryGABON3 Entire CountryGAMBIA4 Entire CountryGERMANY3 Entire CountryGHANA3 Entire CountryGIBRALTAR3 Entire CountryGREECE4 Entire CountryGREENLAND4 Entire CountryGRENADA1 Entire CountryGEORGIA1 Entire CountryGUADELOUPE1 Entire CountryPageofEDGE II-453-G (09/22)38
CountryZoneProvinces/Territories/States/CountiesAFGHANISTAN1 Entire CountryGUATEMALA1 Izabal2 Balance of CountryGUINEA4 Entire CountryGUINEA- BISSAU4 Entire CountryGUYANA3 Entire CountryHAITI1 Entire CountryHONDURAS1 Entire CountryHUNGARY4 Entire CountryICELAND4 Entire CountryINDIA1 Andhra Pradesh, Jharkhand, Mizoram, Orissa, Tamil Nadu, Telangana, Tripura, West Bengal3 Balance of CountryINDONESIA3 Entire CountryIRAQ4 Entire CountryIRELAND3 Entire CountryISLE OF MAN3 Entire CountryISRAEL4 Entire CountryITALY3 Entire CountryJAMAICA1 Entire CountryJAPAN3 Regions of Hokkaido, Tohoku1 Balance of CountryJORDAN4 Entire CountryKAZAKHSTAN4 Entire CountryKENYA3 Entire CountryKIRIBATI1 Entire CountryKOREA, DEMOCRATIC PEOPLES REPUBLIC (NORTH KOREA)3 Entire Country
KOREA, REPUBLIC OF (SOUTH KOREA)2 Entire CountryKOSOVO4 Entire CountryKUWAIT4 Entire CountryKYRGYZSTAN (KYRGYZ REPUBLIC)4 Entire CountryLAOS3 Entire CountryLATVIA3 Entire CountryLEBANON4 Entire Country
PageofEDGE II-453-G (09/22)48
CountryZoneProvinces/Territories/States/CountiesAFGHANISTAN1 Entire CountryLESOTHO4 Entire CountryLIBERIA4 Entire CountryLIBYA4 Entire CountryLIECHTENSTEIN4 Entire CountryLITHUANIA3 Entire CountryLUXEMBOURG4 Entire CountryMACEDONIA4 Entire CountryMADAGASCAR2 Entire CountryMALAWI4 Entire CountryMALAYSIA3 Entire CountryMALDIVES3 Entire CountryMALI4 Entire CountryMALTA4 Entire CountryMARSHALL ISLANDS2 Entire CountryMARTINIQUE1 Entire CountryMAURITANIA4 Entire CountryMAURITIUS1 Entire CountryMAYOTTE1 Entire CountryMEXICO1 Baja California Sur, Colima, Campeche, Chiapas, Guerrero, Jalisco, Michoacan, Oaxaca, Quintana Roo, Tabasco, Tamaulipas, Veracruz, Yucatan4 Balance of CountryMOLDOVA4 Entire CountryMONACO3 Entire CountryMONGOLIA4 Entire CountryMONTENEGRO4 Entire CountryMONTSERRAT1 Entire CountryMOROCCO4 Entire CountryMOZAMBIQUE1 Entire CountryMYANMAR1 Entire CountryNAMIBIA4 Entire CountryNAURU4 Entire CountryNEPAL4 Entire CountryNETHERLANDS4 Balance of Country1 Bonaire for Limits of Liability3 Bonaire for Deductibles1 Saba1 Sint Eustatius
PageofEDGE II-453-G (09/22)58
CountryZoneProvinces/Territories/States/CountiesAFGHANISTAN1 Entire CountryNEW CALEDONIA1 Entire CountryNEW ZEALAND3 Entire CountryNICARAGUA1 RAAN (Bilwi), RAAS (Bluefields)2 Balance of CountryNIGER4 Entire CountryNIGERIA4 Entire CountryNIUE1 Entire CountryNORFOLK ISLAND2 Entire CountryNORWAY3 Entire CountryOMAN3 Entire CountryPAKISTAN3 Entire CountryPALAU1 Entire CountryPALESTINE4 Entire CountryPANAMA3 Entire CountryPAPUA NEW GUINEA3 Entire CountryPARAGUAY4 Entire CountryPERU4 Entire CountryPHILIPPINES1 Entire CountryPITCAIRN ISLANDS1 Entire CountryPOLAND3 Entire CountryPORTUGAL3 Azores Autonomous Region4 Balance of CountryQATAR4 Entire CountryREUNION1 Entire CountryROMANIA4 Entire CountryRUSSIAN FEDERATION4 Entire CountryRWANDA4 Entire CountrySAMOA (WESTERN )1 Entire CountrySAN MARINO4 Entire CountrySAO TOME & PRINCIPE4 Entire CountrySAUDI ARABIA4 Entire CountrySENEGAL4 Entire CountrySERBIA4 Entire CountrySEYCHELLES3 Entire CountrySIERRA LEONE4 Entire Country
PageofEDGE II-453-G (09/22)68
CountryZoneProvinces/Territories/States/CountiesAFGHANISTAN1 Entire CountrySINGAPORE4 Entire CountrySINT MAARTEN1 Entire CountrySLOVAKIA4 Entire CountrySLOVENIA4 Entire CountrySOLOMON ISLANDS2 Entire CountrySOMALIA4 Entire CountrySOUTH AFRICA4 Entire CountrySOUTH KOREA2 Entire CountrySOUTHERN SUDAN4 Entire CountrySPAIN4 Entire CountrySRI LANKA2 Entire CountrySAINT BARTHELEMY1 Entire CountrySAINT KITTS AND NEVIS1 Entire CountrySAINT LUCIA1 Entire CountrySAINT MARTIN1 Entire CountrySAINT VINCENT AND THE GRENADINES1 Entire CountrySURINAME4 Entire CountrySWAZILAND4 Entire CountrySWEDEN3 Entire CountrySWITZERLAND4 Entire CountryTAIWAN1 Entire CountryTAJIKISTAN4 Entire CountryTANZANIA4 Entire CountryTHAILAND3 Entire CountryTIMOR-LESTE3 Entire CountryTOGO4 Entire CountryTONGA1 Entire CountryTRINIDAD AND TOBAGO1 Entire CountryTUNISIA4 Entire CountryTÜRKIYE4 Entire CountryTURKMENISTAN4 Entire CountryTURKS AND CAICOS1 Entire CountryTUVALU3 Entire CountryUGANDA4 Entire CountryUKRAINE4 Entire Country
PageofEDGE II-453-G (09/22)78
Any country not listed is designated as Zone 1 unless stated differently in the Declarations of this Policy
CountryZoneProvinces/Territories/States/CountiesAFGHANISTAN1 Entire CountryUNITED ARAB EMIRATES4 Entire CountryUNITED KINGDOM including Guernsey, Jersey3 Entire Country
URUGUAY3 Entire CountryUZBEKISTAN4 Entire CountryVANUATU1 Entire CountryVATICAN CITY4 Entire CountryVENEZUELA3 Entire CountryVIETNAM2 Entire CountryWESTERN SAHARA4 Entire CountryYEMEN3 Entire CountryZAMBIA4 Entire CountryZIMBABWE4 Entire Country
PageofEDGE II-453-G (09/22)88
AppendixE~FloodZones
i)ZURICH

ThislistidentifiestheFloodZoneforlocationsbeingwithinaHighHazardandMediumHazardZone.
(Zone| ‘Address I Description ]High USA,1000,SthStSE,Washington,DistrictofColumbia,20003High USA,$80,WaterStSw,Washington,DistrictofColumbia,20024High USA,1350,PENNSYLVANIAAVENUENW,WASHINGTON,DistrictofColumbia,20004High USA,6201,BANKSPLACENE,WASHINGTON,DistrictofColumbia,20019High USA,550,WATERSTREETSW,WASHINGTON,DistrictofColumbia,20024High USA,BOL,7THSTREETSW,WASHINGTON,DistrictofColumbia,20024High USA,1050,21StstNw,Washington,DistrictofColumbia,20036High USA,2115,STHSTREETNE,WASHINGTON,DistrictofColumbia,20002High USA,95,MSTREETSW,WASHINGTON,DistrictofColumbia,20024High USA,901,GSTREETNW,WASHINGTON,DistrictofColumbia,20001High USA,635,ISTREETNE,WASHINGTON,DistrictofColumbia,20002High USA,215,GSTREETNE,WASHINGTON,DistrictofColumbia,20002High USA,540,STHSTNE,WASHINGTON,DistrictofColumbia,20019High USA,103,ATLANTICSTREETSE,WASHINGTON,DistrictofColumbia,20032High USA,B50,DELAWAREAVENUESW,WASHINGTON,DistrictofColumbia,20024High USA,4201,MINNESOTAAVENUENE,WASHINGTON,DistrictofColumbia,20019High USA,659,GSTREETNE,WASHINGTON,DistrictofColumbia,20002High USA,300,INDIANAAVENUENW,WASHINGTON,DistrictofColumbia,20001High USA,1700,QSTREETSE,WASHINGTON,DistrictofColumbia,20020High USA,601,MISSISSIPPIAVENUESE,WASHINGTON,DistrictofColumbia,20032High USA,$00,INDIANAAVENW,WASHINGTON,DistrictofColumbia,20032High USA,4600,LivingstonRaSE,Washington,DistrictofColumbia,20032High USA,1900,MASSACHUSETTSAVENUESE,WASHINGTON,DistrictofColumbia,20003High USA,650,ANACOSTIAAVENUENE,WASHINGTON,DistrictofColumbia,20019High USA,420,34THSTREETNE,WASHINGTON,DistrictofColumbia,20019High USA,201,NSTREETSW,WASHINGTON,DistrictofColumbia,20024High USA,$600,EADSSTREETNE,WASHINGTON,DistrictofColumbia,20019High USA,35,KSTREETNE,WASHINGTON,DistrictofColumbia,20002High USA,B50,26THSTREETNE,WASHINGTON,DistrictofColumbia,20002High USA,1150,STHSTREETSE,WASHINGTON,DistrictofColumbia,20003High USA,1819,35THSTREETNW,WASHINGTON,DistrictofColumbia,20007High USA,5000,HayesStNe,Washington,DistrictofColumbia,20019High USA,4800,MeadeStreet,Washington,DistrictofColumbia,20019MediumUSA,4058,MinnesotaAvenue,Washington,DistrictofColumbia,20019MediumUSA,821,HOWARDROADSE,WASHINGTON,DistrictofColumbia,20020MediumUSA,3101,16THSTREETNW,WASHINGTON,DistrictofColumbia,20010MediumUSA,1830,CONSTITUTIONAVENE,WASHINGTON,DistrictofColumbia,20002MediumUSA,100,PEABODYSTREETNW,WASHINGTON,DistrictofColumbia,20011MediumUSA,1800,PERRYSTREETNE,WASHINGTON,DistrictofColumbia,20018MediumUSA,900,WESLEYPLACESW,WASHINGTON,DistrictofColumbia,20024MediumUSA,1350,49THSTNE,WASHINGTON,DistrictofColumbia,20019MediumUSA,1601,16THSTREETSE,WASHINGTON,DistrictofColumbia,20020MediumUSA,401,MISSISSIPPIAVENUESE,WASHINGTON,DistrictofColumbia,20032MediumUSA,1129,NewHampshireAveNW,Washington,istrictofColumbia,20037,MediumUSA,1100,HarvardStreet,Washington,DistrictofColumbia,20008MediumUSA,1401,MICHIGANAVENUENE,WASHINGTON,DistrictofColumbia,20017MediumUSA,3100,14thStreet,Washington,DistrictofColumbia,20010MediumUSA,750,PARKROADNW,WASHINGTON,DistrictofColumbia,20010MediumUSA,601,ISTHSTREETNE,WASHINGTON,DistrictofColumbia,20002MediumUSA,1350,49THSTREETNE,WASHINGTON,DistrictofColumbia,20019MediumUSA,1001,HALFSTREETSW,WASHINGTON,DistrictofColumbia,20024MediumUSA,100,42NDSTREETNE,WASHINGTON,DistrictofColumbia,20019MediumUSA,44,PSTREETNW,Washington,DistrictofColumbia,20002MediumUSA,3500,RSTREETNW,WASHINGTON,DistrictofColumbia,20007MediumUSA,3180,VStNE,Washington,DistrictofColumbia,20018MediumUSA,1900,MASSACHUSETTSAVENUESE,WASHINGTON,DistrictofColumbia,20003MediumUSA,3375,MINNESOTAAVENUESE,WASHINGTON,DistrictofColumbia,20019MediumUSA,901,STSTREETNW,WASHINGTON,DistrictofColumbia,20001MediumUSA,1600,STHSTNW,WASHINGTON,DistrictofColumbia,20001,
MediumUSA,3219,0STREETNW,WASHINGTON,DistrictofColumbia,20007MediumUSA,1700,EASTCAPITOLSTREETNE,WASHINGTON,DistrictofColumbia,20003MediumUSA,4340,ConnecticutAveNw,WASHINGTON,DistrictofColumbia,20008MediumUSA,1910,MassachusettsAvenue,Washington,DistrictofColumbia,20003MediumUSA,441,4THSTREETNW,WASHINGTON,DistrictofColumbia,20001,MediumUSA,920,RSt.Nw,Washington,DistrictofColumbia,20001MediumUSA,1630,7THSTREETNW,WASHINGTON,DistrictofColumbia,20001MediumUSA,1901,DSTREETSE,WASHINGTON,DistrictofColumbia,20003MediumUSA,920,FSTREETNE,WASHINGTON,DistrictofColumbia,20002MediumUSA,3522,CONNECTICUTAVENUENW,WASHINGTON,DistrictofColumbia,20008MediumUSA,101,MSTREETSW,WASHINGTON,DistrictofColumbia,20002MediumUSA,450,HStreet,WASHINGTON,DistrictofColumbia,20001MediumUSA,1103,HALFSTREETSW,WASHINGTON,DistrictofColumbia,20024MediumUSA,651,1OTHSTREETNE,WASHINGTON,DistrictofColumbia,20002MediumUSA,200,DouglasStreetNE,WASHINGTON,DistrictofColumbia,20002MediumUSA,820,26ThSt.Ne,Washington,DistrictofColumbia,20002MediumUSA,6315,STHSTREETNW,WASHINGTON,DistrictofColumbia,20012MediumUSA,2500,GEORGIAAVENUENW,WASHINGTON,DistrictofColumbia,20001,MediumUSA,101,NStNW,Washington,DistrictofColumbia,20001MediumUSA,3,DCVILLAGELANESW,WASHINGTON,DistrictofColumbia,20032MediumUSA,5171,SOUTHDAKOTAAVENUENE,WASHINGTON,DistrictofColumbia,20011MediumUSA,1339,GreenCtNW,Washington,DistrictofColumbia,20005MediumUSA,515,DStreet,Washington,DistrictofColumbia,20001,MediumUSA,200,StSE,Washington,DistrictofColumbia,20003MediumUSA,820,SOUTHCAPITOLSTREETSW,WASHINGTON,DistrictofColumbia,20003,MediumUSA,3950,CHESAPEAKESTREETNW,WASHINGTON,DistrictofColumbia,20016MediumUSA,3650,LYPLACESE,WASHINGTON,DistrictofColumbia,20019MediumUSA,2850,NewYorkAvenue,Washington,DistrictofColumbia,20002MediumUSA,4340,ConnecticutAveNw,WASHINGTON,DistrictofColumbia,20008MediumUSA,8400,RiverRoad,Laurel,Maryland,20724MediumUSA,1131,SPRINGROADNW,WASHINGTON,DistrictofColumbia,20010,MediumUSA,2425,NSTREETNW,WASHINGTON,DistrictofColumbia,20037MediumUSA,4400,IOWAAVENUENW,WASHINGTON,DistrictofColumbia,20011MediumUSA,4301,13THSTREETNW,WASHINGTON,DistrictofColumbia,20019,MediumUSA,1350,SouthernAveSE,Washington,DistrictofColumbia,20032MediumUSA,640,10THSTREETNE,WASHINGTON,DistrictofColumbia,20002MediumUSA,701,MISSISSIPPIAVENUESE,WASHINGTON,DistrictofColumbia,20032MediumUSA,1207,TAYLORSTREETNW,Washington,DistrictofColumbia,20017
‘ifthe“Description”field(s)abovearepopulated,pleasenotethattheinformationusedtopopulatethefieldhasbeenprovidedbythecustomerintheStatementofValues,andthisinformationisusedsolelyforreferenceandidentificationpurposes.”
SCHEDULE*
Copyright ©2020 Zurich American Insurance CompanyIncludes copyrighted material of Insurance Services Office, Inc., with its permission.
*Any information required to complete this Schedule, if not shown above, will be shown in the quote or proposal.
THIS DISCLOSURE DOES NOT GRANT ANY COVERAGE OR CHANGE THE TERMS ANDCONDITIONS OF ANY COVERAGE UNDER ANY POLICY.DISCLOSURE OF IMPORTANT INFORMATIONRELATING TO TERRORISM RISK INSURANCE ACTPremium attributable to risk of loss from certified acts of terrorism for lines of insurance subject to TRIA:$636,825.29
U-GU-632-E CW (01/20)Page 1 of 2
A.Disclosure of PremiumIn accordance with the federal Terrorism Risk Insurance Act (“TRIA”), as amended, we are required to provide you with a notice disclosing the portion of your premium, if any, attributable to the risk of loss from terrorist acts certified under that Act for lines subject to TRIA. That portion of premium attributable is shown in the Schedule above. The premium shown in the Schedule above is subject to adjustment upon premium audit, if applicable.B.Disclosure of Federal Participation in Payment of Terrorism LossesYou should know that where coverage is provided by this policy for losses resulting from certified acts of terrorism, the United States Government may pay up to 80% of insured losses exceeding the statutorily established deductible paid by the insurance company providing the coverage.C.Disclosure of $100 Billion Cap on All Insurer and Federal Obligations If aggregate insured losses attributable to terrorist acts certified under TRIA exceed $100 billion in a calendar year (January 1 through December 31) and an insurer has met its deductible under the program, that insurer shall not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion, and in such case insured losses up to that amount are subject to pro rata allocation in accordance with procedures established by the Secretary of Treasury.D.Availability As required by TRIA, we have made available to you for lines subject to TRIA coverage for losses resulting from acts of terrorism certified under TRIA with terms, amounts and limitations that do not differ materially from those for losses arising from events other than acts of terrorism.E.Definition of Act of Terrorism under TRIATRIA defines "act of terrorism" as any act that is certified by the Secretary of the Treasury, in accordance with the provisions of the federal Terrorism Risk Insurance Act (“TRIA”), to be an act of terrorism. The Terrorism Risk Insurance Act provides that the Secretary of Treasury shall certify an act of terrorism:1.To be an act of terrorism;2.To be a violent act or an act that is dangerous to human life, property or infrastructure;3.To have resulted in damage within the United States, or outside of the United States in the case of an air carrier (as defined in section 40102 of Title 49, United States Code) or a United States flag vessel (or a vessel based principally in the United States, on which United States income tax is paid and whose insurance coverage is subject to regulation in the United States), or the premises of a United States mission; and 4.To have been committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion.
Copyright ©2020 Zurich American Insurance CompanyIncludes copyrighted material of Insurance Services Office, Inc., with its permission.
No act may be certified as an "act of terrorism" if the act is committed as part of the course of a war declared by Congress (except for workers’ compensation) or if losses resulting from the act, in the aggregate for insurance subject to TRIA, do not exceed $5,000,000.
U-GU-632-E CW (01/20)Page 2 of 2