Read the full stored bill text
MURIELBOWSERMAYOR
April24,2026
HonorablePhilMendelson
Chairman
CounciloftheDistrictofColumbia
JohnA.WilsonBuilding
1350PennsylvaniaAvenue,NW, Suite504
Washington,DC 20004
DearChairmanMendelson:
Pursuanttosection451oftheDistrictofColumbiaHomeRuleAct(D.C.OfficialCode§ 1-204.51)andsection202oftheProcurementPracticesReformActof2010(D.C.OfficialCode§2-352.02),enclosedforconsiderationandapprovalbytheCounciloftheDistrictofColumbiaisproposedInsurancePolicyNo.1166430withFactoryMutualInsuranceCompanyintheamountof$4,852,276.TheperiodofperformanceisfromMay15,2026,throughMay14,2027.
Undertheproposedall-tiskpropertyinsurancepolicy,FactoryMutualInsuranceCompanywillcoverallDistrictrealpropertyassets.
My administrationisavailabletoansweranyquestionsyoumayhaveregardingtheproposedinsurancepolicy.Inordertofacilitatearesponsetoanyquestionsyoumayhave,pleasehaveyourstaffcontactJed Ross,Chief Risk Officer,Captive InsuranceAgency, at(202)727-8600.
IlookforwardtotheCouncil’sfavorableconsiderationofthisinsurancepolicy.
Sincerely,
MirielBkwser
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: Factory Mutual Insurance Company (FM)
(Payment to Riggs, Counselman, Michaels & Downes, Inc. through Captive Insurance Agency’s
insurance broker and payment agent, Riggs, Counselman, Michaels & Downes, Inc.)
Contract Amount (Base Period): $4,852,276.00
Unit and Method of Compensation: Annual premium.
Term of Contract: May 15, 2026, to May 14, 2027
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, Riggs, Counselman, Michaels & Downes,
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 American
Insurance Company will terminate May 14, 2026. The current insurance market has been softening
materially during 2026. The District, through Riggs, Counselman, Michaels & Downes, Inc, Inc.
marketed the program to 69 major national and international insurers, including FM, for quotes.
After numerous discussions with all of these insurers (47 declined to offer a quote) it was
determined that none of them could compete with the pricing that FM 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 bind the FM policy.
2
(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:
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:
FM is one of the largest insurance companies in the world. FM 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).
3
(H) Performance standards and the expected outcome of the proposed contract:
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
*
*
* GovernmentoftheDistrictofColumbia
Emm OfficeoftheChiefFinancialOfficer 11014*Street,SWGum OfficeofTaxandRevenue Washington,DC20024
DateofNotice:April20,2026 NoticeNumber:10016434726 1—}
FACTORYMUTUALINSURANCECOMPANY FEIN:**-+6605270CENTRALAVE CaseID:18948654JOHNSTONRI02919-4923
CERTIFICATE OF CLEAN HANDS
AsreportedintheCleanHandssystem,theabovereferencedindividual/entityhasnooutstandingliabilitywiththeDistrictofColumbiaOfficeofTax andRevenueortheDepartmentofEmploymentServices.Asofthedateabove,theindividual/entityhascompliedwithDC Code§47-2862,therefore
thisCertificateofCleanHandsisissued.
TITLE47.TAXATION,LICENSING,PERMITS,ASSESSMENTS,AND FEESCHAPTER28GENERALLICENSESUBCHAPTER 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.
11014thStreetSW,SuiteW270,Washington,DC20024/Phone:(202)724-S045/MyTax.DC.gov
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:
DATE:
Alemayehu Awas
Agency Fiscal Officer
April 8, 2026
SUBJECT: FY 2026 Funding Certification for Captive Insurance Agency – Real Property
Insurance (Factory Mutual Insurance Company)
This is to certify that Captive Insurance Agency has $4,852,276.00 in its FY 2026 budget to cover the
cost of the District of Columbia’s 12-month real property insurance policy, with Factory Mutual
Insurance Company. The entire premium totaling $ 4,852,276.00 will be paid in FY 2026. The
purchased insurance policy covers the period from 5/15/2026 through 5/14/2027.
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/
GO
VERNMENT OF THE DISTRICT OF COLUMBIA
CAPTIVE INSURANCE AGENCY
Jed Ro
ss
Chief Risk Officer
MEMORANDUM
TO: Jed Ross
Chief Risk Officer
FRO
M: Talia Sassoon Cohen
Deputy General Counsel
DATE: April 21, 2026
SU
BJECT: Legal Su fficiency C ertification – Factory Mutual In surance
Company
Real Property Insurance Binder (Policy term 5/15/2026 -
5/14/2027)
I h
ave been requested to review the Covernote of Insurance issued by Factory Mutual
Insurance Company (the “FM Binder”) attached hereto as Attachment A. The FM Binder is
issued to Riggs, Counselman, Michaels and Downes, Inc. (“RCM&D”), the District’s insurance
broker through the Captive Insurance Agency (“Captive”). The FM 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 $4,852,276.00 within the period specified in the binder. The proposed policy
would be effective May 15, 2026, through May 14, 2027.
Bas
ed on the analysis below, I certify that the FM Binder is legally sufficient:
I. Au
thority to Procure Insurance for the District of Columbia
a. Th
e 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 – Factory Mutal Insurance Company Real Property Insurance
Binder
Page 2
II. Terms and Conditions of the FM Binder
The FM Binder provides an overall program limit of $500 million (100 percent quota
share to be paid by FM, i.e. up to $500 million) for all-risk property damage in excess of
a $1,000,000 deductible. The total insured value for buildings and personal property under
the policy is $500,000,000.00. FM is the only insurer and responsible for paying 100
percent of the full $500 million program after deductible. The FM Binder sets forth
various sub limits for specific coverages. The FM Binder includes all endorsement forms
that will be incorporated into the final policy.
Once the premium is paid, FM will issue the policy consistent with the
terms of the FM Binder.
III. Payment of Premium and Availability of Funding
The FM 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 (April 8, 2026).
FM Advantage™
NOT BOUND UNTIL FULLY EXECUTED
Form FMGA DEC Printed in U.S.A.
7020 (5/99)
Factory Mutual Insurance Company
P.O. Box 7500
Johnston, Rhode Island 02919
1-800-343-7722
DECLARATIONS
Policy No.
1166430
Account No.
86617
Previous Policy No.
N/A
Replaces Binder No.
DATE OF ISSUE
In consideration of this Policy’s Provisions, Conditions, Stipulations, Exclusions and Limits of Liability, and of premium
charged, Factory Mutual Insurance Company, hereafter referred to as the Company, does insure:
INSURED:
District of Columbia, a Municipal Corporation
(For Complete Title See Policy)
The term of this Policy is from the 15th day of May 2026 at 12:00:01 a.m., Standard Time to the 14th day of May 2027
at 11:59:59 p.m., Standard Time, at the Locations of property involved as provided in this Policy.
This Policy covers property, as described in this Policy, against ALL RISKS OF PHYSICAL LOSS OR DAMAGE, except
as hereinafter excluded, while located as described in this Policy.
By virtue of this Policy and any other policies purchased from the Company being in force, the Insured becomes a
member of the Company, subject to the provisions of its charter and by-laws, and is entitled to one vote either in person
or by proxy at any and all meetings of said Company.
Assignment of this Policy will not be valid except with the written consent of the Company.
This Policy is made and accepted subject to the above provisions and those hereinafter stated, which are made a part
of this Policy, together with such other provisions and agreements as may be added to this Policy.
In Witness, this Company has issued this Policy at its office in the city of Johnston, R. I.
this day of month and year
Julia Underwood Malcolm Roberts
MUTUAL CORPORATION
NON-ASSESSABLE POLICY
NOT BOUND UNTIL FULLY EXECUTED
Form FMGA DEC Printed in U.S.A.
7020 (5/99)
Factory Mutual Insurance Company
Johnston, Rhode Island
A Mutual Corporation
This policy is Non-Assessable.
It is important that the written portions of all policies covering the same property read exactly
alike. If they do not, they should be made uniform at once.
In case of loss notify the company or its local agent at once in writing.
This policy is issued by a mutual company having special regulations lawfully applicable to its
organization, membership, policies, or contracts of insurance of which the following shall apply to and
form a part of this policy.
EXTRACTS FROM CHARTER OF THIS COMPANY
Granted by the General Assembly of the State of Rhode Island
SECTION 5: Except as hereinafter specifically provided, each natural person, partnership, association,
corporation or legal entity insured on the mutual plan by the Corporation shall be a member of the
Corporation during the term of its policy but no longer, and at all meetings of the members shall be
entitled to one vote either in person or by proxy, provided, however, that where there is more than one
insured under any policy, such insureds shall nevertheless be deemed to be a single member of the
Corporation for all purposes. The Corporation may issue policies which do not entitle the insured to
membership in the Corporation nor to participate in its surplus.
SECTION 10: Upon the termination of the membership of any member, all his or its right and interest in
the surplus, reserves and other assets of the Corporation shall forthwith cease.
EXTRACTS FROM THE BY-LAWS OF THIS COMPANY
Adopted July 13, 2000
ARTICLE 1 – MEETINGS OF THE MEMBERS
SECTION 1. Annual Meeting
The annual meeting of the members shall be held at the principal offices of the Company, or at such other
place as may be stated in the notice of the meeting, at 9:00 a.m. on the second Thursday of April in each
year, for the election of directors and the transaction of such other business as may be brought before the
meeting. If the annual meeting is omitted on the day herein provided therefor, a special meeting may be
held in place thereof; and any business transacted or elections held at such special meeting shall be as
effective as if transacted or held at the annual meeting.
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
TABLE OF CONTENTS
(Order In Which They Appear) Page No.
(2021 United States) - Printed 10-Apr-2026 Page 1
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
DECLARATIONS PAGE
DECLARATIONS
1. NAMED INSURED AND MAILING ADDRESS ............................................................................ 1
2. POLICY DATES ................................................................................................................................ 1
3. INSURANCE PROVIDED ................................................................................................................ 1
4. PREMIUM ......................................................................................................................................... 1
5. PREMIUM PAYABLE ...................................................................................................................... 1
6. LOSS ADJUSTMENT/PAYABLE .................................................................................................... 1
7. TERRITORY ...................................................................................................................................... 2
8. JURISDICTION ................................................................................................................................. 2
9. CURRENCY ...................................................................................................................................... 2
10. LIMITS OF LIABILITY .................................................................................................................... 2
11. DEDUCTIBLES ................................................................................................................................. 6
PROPERTY DAMAGE
1. INSURED PROPERTY ..................................................................................................................... 8
2. EXCLUDED PROPERTY ................................................................................................................. 8
3. EXCLUSIONS ................................................................................................................................... 9
4. APPLICATION OF POLICY TO DATE OR TIME RECOGNITION ........................................... 13
5. VALUATION................................................................................................................................... 14
6. ADDITIONAL COVERAGES ........................................................................................................ 15
CYBER ADDITIONAL COVERAGES .......................................................................................... 15
A. DATA RESTORATION ........................................................................................................ 15
B. DATA SERVICE PROVIDER PROPERTY DAMAGE ...................................................... 17
OTHER ADDITIONAL COVERAGES .......................................................................................... 18
A. ACCIDENTAL INTERRUPTION OF SERVICES .............................................................. 18
B. ACCOUNTS RECEIVABLE ................................................................................................ 18
C. AUTOMATIC COVERAGE ................................................................................................. 19
D. BRANDS AND LABELS ...................................................................................................... 20
E. CLAIMS PREPARATION COSTS ....................................................................................... 20
F. COMMUNICABLE DISEASE RESPONSE ........................................................................ 20
G. CONSEQUENTIAL REDUCTION IN VALUE ................................................................... 21
H. CONTROL OF DAMAGED PROPERTY ............................................................................ 21
I. DEBRIS REMOVAL ............................................................................................................. 22
J. DECONTAMINATION COSTS ........................................................................................... 22
K. ERRORS AND OMISSIONS ................................................................................................ 22
L. EXPEDITING COSTS .......................................................................................................... 23
M. FINE ARTS AND VALUABLE PAPERS AND RECORDS ............................................... 23
N. INSTALLMENT OR DEFERRED PAYMENTS ................................................................. 24
O. LAND AND WATER CONTAMINANT CLEANUP, REMOVAL AND DISPOSAL ...... 25
P. LAW AND ORDINANCE .................................................................................................... 25
Q. LOSS PAYMENT INCREASED TAX LIABILITY ............................................................ 26
R. MACHINERY OR EQUIPMENT STARTUP OPTION ....................................................... 27
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
TABLE OF CONTENTS
(Order In Which They Appear) Page No.
(2021 United States) - Printed 10-Apr-2026 Page 2
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
S. MISCELLANEOUS PROPERTY ......................................................................................... 27
T. OPERATIONAL TESTING .................................................................................................. 28
U. PROTECTION AND PRESERVATION OF PROPERTY ................................................... 28
V. SERVICE INTERRUPTION PROPERTY DAMAGE ......................................................... 29
W. TEMPORARY REMOVAL OF PROPERTY ....................................................................... 30
X. TENANT RELOCATION EXPENSE ................................................................................... 30
Y. TRANSPORTATION ............................................................................................................ 31
TIME ELEMENT
1. LOSS INSURED .............................................................................................................................. 34
2. TIME ELEMENT COVERAGES .................................................................................................... 35
A. INSURED OPTION ............................................................................................................... 35
B. GROSS EARNINGS .............................................................................................................. 35
C. GROSS PROFIT .................................................................................................................... 36
D. EXTRA EXPENSE ................................................................................................................ 38
E. LEASEHOLD INTEREST .................................................................................................... 39
F. RENTAL INSURANCE ........................................................................................................ 40
3. PERIOD OF LIABILITY ................................................................................................................. 40
4. TIME ELEMENT EXCLUSIONS ................................................................................................... 43
5. TIME ELEMENT COVERAGE EXTENSIONS ............................................................................ 43
CYBER TIME ELEMENT COVERAGE EXTENSIONS .............................................................. 43
A. DATA SERVICE PROVIDER TIME ELEMENT ................................................................ 44
B. OWNED NETWORK INTERRUPTION .............................................................................. 45
SUPPLY CHAIN TIME ELEMENT COVERAGE EXTENSIONS ............................................... 46
A. CIVIL OR MILITARY AUTHORITY .................................................................................. 46
B. CONTINGENT TIME ELEMENT EXTENDED ................................................................. 46
C. INGRESS/EGRESS ............................................................................................................... 47
D. LOGISTICS EXTRA COST .................................................................................................. 47
E. SERVICE INTERRUPTION TIME ELEMENT ................................................................... 49
ADDITIONAL TIME ELEMENT COVERAGE EXTENSIONS ................................................... 50
A. ATTRACTION PROPERTY ................................................................................................. 50
B. CRISIS MANAGEMENT ..................................................................................................... 50
C. DELAY IN STARTUP .......................................................................................................... 51
D. EXTENDED PERIOD OF LIABILITY ................................................................................ 51
E. INTERRUPTION BY COMMUNICABLE DISEASE ......................................................... 52
F. ON PREMISES SERVICES .................................................................................................. 53
G. PROTECTION AND PRESERVATION OF PROPERTY TIME ELEMENT .................... 53
H. RELATED REPORTED VALUES ....................................................................................... 53
I. RESEARCH AND DEVELOPMENT ................................................................................... 53
J. SOFT COSTS ........................................................................................................................ 54
LOSS ADJUSTMENT AND SETTLEMENT
1. REQUIREMENTS IN CASE OF LOSS .......................................................................................... 55
2. CURRENCY FOR LOSS PAYMENT ............................................................................................. 56
3. PARTIAL PAYMENT OF LOSS SETTLEMENT ......................................................................... 56
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
TABLE OF CONTENTS
(Order In Which They Appear) Page No.
(2021 United States) - Printed 10-Apr-2026 Page 3
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
4. COLLECTION FROM OTHERS .................................................................................................... 56
5. SUBROGATION ............................................................................................................................. 56
6. COMPANY OPTION ...................................................................................................................... 56
7. ABANDONMENT ........................................................................................................................... 56
8. APPRAISAL .................................................................................................................................... 57
9. SUIT AGAINST THE COMPANY ................................................................................................. 57
10. SETTLEMENT OF CLAIMS .......................................................................................................... 58
GENERAL PROVISIONS
1. CANCELLATION/NON-RENEWAL ............................................................................................. 59
2. REPRESENTATION OF RISK ....................................................................................................... 59
3. INSPECTIONS................................................................................................................................. 60
4. PROVISIONS APPLICABLE TO SPECIFIC JURISDICTIONS ................................................... 60
5. SANCTIONS .................................................................................................................................... 61
6. LIBERALIZATION ......................................................................................................................... 61
7. MISREPRESENTATION AND FRAUD ........................................................................................ 61
8. LENDERS LOSS PAYEE AND MORTGAGEE INTERESTS AND OBLIGATIONS ................ 61
9. OTHER INSURANCE ..................................................................................................................... 62
10. POLICY MODIFICATION ............................................................................................................. 63
11. REDUCTION BY LOSS .................................................................................................................. 63
12. SUSPENSION .................................................................................................................................. 63
13. TITLES ............................................................................................................................................. 63
14. ASSIGNMENT ................................................................................................................................ 63
15. DEFINITIONS ................................................................................................................................. 64
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 1
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
DECLARATIONS
This Policy covers property, as described in this Policy, against ALL RISKS OF PHYSICAL
LOSS OR DAMAGE, except as hereinafter excluded, while located as described in this Policy.
1. NAMED INSURED AND MAILING ADDRESS
District of Columbia, a Municipal Corporation and any subsidiary, and District of Columbia, a
Municipal Corporation interest in any partnership or joint venture in which District of Columbia, a
Municipal Corporation has management control or ownership as now constituted or hereafter is
acquired, as the respective interest of each may appear; all hereafter referred to as the “Insured,”
including legal representatives.
441 Fourth St. NW
Washington, District of Columbia
United States of America
2. POLICY DATES
The term of this Policy is:
FROM: 15 May 2026 at 12:01 a.m., Standard Time;
TO: 14 May 2027 at 12:01 a.m., Standard Time,
at the location of property involved as provided in this Policy.
3. INSURANCE PROVIDED
The coverage under this Policy applies to property described on the Schedule of Locations or
covered under the terms and conditions of the AUTOMATIC COVERAGE, ERRORS AND
OMISSIONS or MISCELLANEOUS PROPERTY provisions, unless otherwise provided.
Schedule of Locations are as listed on the Schedule of Locations attached to this Policy.
4. PREMIUM
This Policy is issued in consideration of premium of USD 4,852,276.
5. PREMIUM PAYABLE
District of Columbia, a Municipal Corporation pays the premium under this Policy, and any return
of the paid premium accruing under this Policy will be paid to the account of District of Columbia,
a Municipal Corporation.
6. LOSS ADJUSTMENT/PAYABLE
Loss, if any, will be adjusted with and payable to District of Columbia, a Municipal Corporation, or
as may be directed by District of Columbia, a Municipal Corporation.
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 2
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
Additional insured interests will also be included in loss payment as their interests may appear
when named as additional named insured, lender, mortgagee and/or loss payee either on a
Certificate of Insurance or other evidence of insurance on file with the Company or named below.
When named on a Certificate of Insurance or other evidence of insurance, such additional interests
are automatically added to this Policy as their interests may appear as of the effective date shown
on the Certificate of Insurance or other evidence of insurance. The Certificate of Insurance or other
evidence of insurance will not amend, extend or alter the terms, conditions, provisions and limits of
this Policy.
7. TERRITORY
Coverage as provided under this Policy applies in the United States of America and the
Commonwealth of Puerto Rico.
8. JURISDICTION
This Policy will be governed by the laws of the United States of America.
Any disputes arising hereunder will be exclusively subject to the jurisdiction of the United States of
America.
9. CURRENCY
All amounts, including deductibles, premiums and limits of liability, indicated in this Policy shall
be in the currency represented by the three letter currency designation shown. This three letter
currency designator is defined in Table A.1-Currency and funds code list, International
Organization for Standardization (ISO) 4217, edition in effect at the inception of this Policy.
10. LIMITS OF LIABILITY
The Company’s maximum limit of liability in an occurrence, including any insured TIME
ELEMENT loss, will not exceed the Policy limit of liability of USD 500,000,000, not to exceed
USD 10,000,000 for TIME ELEMENT loss, subject to the following provisions:
A. Limits of liability and time limits stated below or elsewhere in this Policy are part of, and not
in addition to, the Policy limit of liability.
B. Limits of liability apply per occurrence, unless otherwise stated.
C. Limits of liability in an occurrence apply to the total loss or damage at all locations and for
all coverages involved, including any insured TIME ELEMENT loss, subject to the
following provisions:
1) when a limit of liability applies as an annual aggregate, the Company’s maximum
amount payable will not exceed such limit of liability during any policy year.
2) when a limit of liability applies to a location or other specified property, such limit of
liability will be the maximum amount payable for all loss or damage at all locations
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 3
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
arising from physical loss or damage at such location or to such other specified
property.
D. Should an occurrence result in liability payable under more than one policy issued to the
Named Insured by the Company, or its representative company(ies), the maximum amount
payable in the aggregate under all such policies will be the applicable limit(s) of liability
indicated in this Policy.
Applicable Limits of Liability/Time Limits:
Location No. 374A as described on
the Schedule of Locations
USD 43,669,780
Location No. 423 as described on the
Schedule of Locations
USD 9,949,500
Location No. 404 as described on the
Schedule of Locations
USD 11,368,500
Location No. 256 as described on the
Schedule of Locations
USD 16,345,439
Location No. 387 as described on the
Schedule of Locations
USD 7,429,428
Location No. 449 as described on the
Schedule of Locations
USD 10,073,459
ATTRACTION PROPERTY
30 days
AUTOMATIC COVERAGE
120 days, not to exceed USD 100,000,000 per location
CIVIL OR MILITARY
AUTHORITY
30 days
CLAIMS PREPARATION COSTS
USD 25,000 plus 50% of the amount recoverable under
this coverage in excess of USD 25,000
COMMUNICABLE DISEASE
RESPONSE
USD 10,000 annual aggregate
The Company's maximum limit of liability for
INTERRUPTION BY COMMUNICABLE DISEASE
and this coverage combined shall not exceed
USD 10,000 annual aggregate.
CONTINGENT TIME ELEMENT
EXTENDED
USD 25,000,000
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 4
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
CRISIS MANAGEMENT
30 days
cyber event
1. USD 10,000 annual aggregate for DATA
RESTORATION and OWNED
NETWORK INTERRUPTION combined
2. USD 10,000 annual aggregate for DATA
SERVICE PROVIDER PROPERTY
DAMAGE and DATA SERVICE
PROVIDER TIME ELEMENT combined
3. USD 25,000,000 annual aggregate for
physical loss or damage to stock in process
or finished goods manufactured by or for
the Insured caused by or resulting from a
cyber event that impacts the processing,
manufacturing, or testing of such property
or while it is otherwise being worked on
DATA RESTORATION
USD 10,000,000 annual aggregate
DATA SERVICE PROVIDER
PROPERTY DAMAGE and DATA
SERVICE PROVIDER TIME
ELEMENT combined
USD 5,000,000 annual aggregate
DEBRIS REMOVAL
for DCGH Building No. 12, DCGH Building No. 15,
DCGH Building No. 16 – Anne Archibald Hall and
DCGH Building No. 25 at Location No. 112, as
described on the Schedule of Locations, combined:
USD 15,000,000
earth movement
USD 100,000,000 annual aggregate
ERRORS AND OMISSIONS
USD 100,000,000
EXPEDITING COSTS
USD 100,000,000
EXTENDED PERIOD OF
LIABILITY
180 days
EXTRA EXPENSE
90 days, not to exceed USD 10,000,000
fine arts
USD 100,000,000, not to exceed USD 10,000 per item
for irreplaceable fine arts not on a schedule on file
with the Company
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 5
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
fines or penalties for breach of
contract or for late or noncompletion
of orders combined
USD 250,000
flood
USD 100,000,000 annual aggregate, not to exceed the
following:
1. USD 25,000,000 annual aggregate for
property described on High Hazard Flood
Locations, Appendix B
2. USD 50,000,000 annual aggregate for
property described on Moderate Hazard Flood
Locations, Appendix C
GROSS PROFIT
12 months
INGRESS/EGRESS
30 days, not to exceed USD 10,000,000
INTERRUPTION BY
COMMUNICABLE DISEASE
365 days, not to exceed USD 10,000 annual aggregate
The Company's maximum limit of liability for
COMMUNICABLE DISEASE RESPONSE and this
coverage combined shall not exceed USD 10,000
annual aggregate.
LAND AND WATER
CONTAMINANT CLEANUP,
REMOVAL AND DISPOSAL
USD 500,000 annual aggregate
LOGISTICS EXTRA COST
180 days, not to exceed 200% of the normal cost
MISCELLANEOUS PROPERTY
1. USD 25,000,000 per location for property
at a location
2. USD 25,000,000 per location for property
not at a location
property during construction
USD 10,000,000
RESEARCH AND DEVELOPMENT
USD 10,000,000
RESEARCH ANIMALS
USD 2,500,000, not to exceed USD 10,000 per animal
SERVICE INTERRUPTION
PROPERTY DAMAGE and
SERVICE INTERRUPTION TIME
ELEMENT combined
USD 20,000,000
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 6
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
SUPPLEMENTAL UNITED
STATES CERTIFIED ACT OF
TERRORISM ENDORSEMENT(S)
attached to this Policy
USD 5,000,000
TENANT RELOCATION EXPENSE
USD 1,000,000
valuable papers and records
USD 100,000,000, not to exceed USD 10,000 per item
for irreplaceable valuable papers and records not on
a schedule on file with the Company
11. DEDUCTIBLES
Subject to the deductible general provisions stated below, in each case of loss covered by this
Policy the following deductibles apply per occurrence, for all coverages involved, unless
otherwise stated:
flood
for locations described on High Hazard Flood
Locations, Appendix B:
Property Damage: 5% per location
Time Element: 5% per location
The above are subject to a minimum of USD 1,000,000
for Property Damage and Time Element combined per
location.
LOGISTICS EXTRA COST
USD 1,000,000
All Other Loss
USD 1,000,000
Deductible General Provisions:
In each case of loss covered by this Policy, the Company will be liable only if the Insured sustains
a loss, including any insured TIME ELEMENT loss, in a single occurrence greater than the
applicable deductible specified above, and only for its share of that greater amount.
A. For SERVICE INTERRUPTION loss, when a deductible is not specifically stated as
applying to SERVICE INTERRUPTION, the deductible applied to the SERVICE
INTERRUPTION loss will be the deductible that would apply if the cause of the interruption
happened at the insured location that sustains the interruption of the specified services.
B. For CONTINGENT TIME ELEMENT EXTENDED loss, when a deductible is not
specifically stated as applying to CONTINGENT TIME ELEMENT EXTENDED, the
deductible for CONTINGENT TIME ELEMENT EXTENDED loss will be determined as
though the contingent time element location was an insured location under this Policy.
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 7
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
C. The stated earthquake deductible will be applied to earthquake loss. The stated flood
deductible will be applied to flood loss. The stated wind deductible will be applied to wind
loss. The provisions of item E below will also be applied to each.
D. When this Policy insures more than one location, the deductible will apply against the total
loss covered by this Policy in an occurrence except that a deductible that applies on a per
location basis, if specified, will apply separately to each location where the physical damage
happened regardless of the number of locations involved in the occurrence.
E. Unless stated otherwise, if two or more deductibles apply to an occurrence, the total to be
deducted will not exceed the largest deductible applicable. For the purposes of this
provision, when a separate Property Damage and a separate Time Element deductible apply,
the sum of the two deductibles will be considered a single deductible. If two or more
deductibles apply on a per location basis in an occurrence, the largest deductible applying
to each location will be applied separately to each such location.
F. When a % deductible is stated above, whether separately or combined, the deductible is
calculated as follows:
Property Damage – % of the value, per the Valuation clause(s) of the PROPERTY
DAMAGE section, of the property insured at the location where the physical damage
happened.
Time Element – % of the full Time Element values that would have been earned in the 12
month period following the occurrence by use of the facilities at the location where the
physical damage happened, plus that proportion of the full Time Element values at all other
locations where TIME ELEMENT loss ensues that was directly affected by use of such
facilities and that would have been earned in the 12 month period following the occurrence.
G. For insured physical loss or damage:
1) to insured fire protection equipment; or
2) from water or other substance discharged from fire protection equipment of the type
insured,
the applicable deductible applying to items 1 or 2 above only will be reduced by fifty percent
(50%), per occurrence. However, this provision will not apply to loss or damage resulting
from fire or earth movement regardless of whether claim is made for such fire or earth
movement.
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 8
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
PROPERTY DAMAGE
1. INSURED PROPERTY
This Policy insures the following property, unless otherwise excluded elsewhere in this Policy, as
described in the INSURANCE PROVIDED provision or within 1,000 feet/300 metres thereof, to
the extent of the interest of the Insured in such property:
A. Real Property, including new buildings and additions under construction, in which the
Insured has an insurable interest.
B. Personal Property:
1) owned by the Insured.
2) consisting of the Insured’s interest as a tenant in improvements and betterments. In the
event of physical loss or damage, the Company agrees to accept and consider the
Insured as sole and unconditional owner of improvements and betterments,
notwithstanding any contract or lease to the contrary.
3) of officers and employees of the Insured.
4) of others in the Insured’s custody to the extent the Insured is under obligation to keep
insured for physical loss or damage insured by this Policy.
5) of others in the Insured’s custody to the extent of the Insured’s legal liability for insured
physical loss or damage to Personal Property. The Company will defend that portion of
any suit against the Insured that alleges such liability and seeks damages for such
insured physical loss or damage. The Company may, without prejudice, investigate,
negotiate and settle any claim or suit as the Company deems expedient.
This Policy also insures the interest of contractors and subcontractors in insured property during
construction at an insured location or within 1,000 feet/300 metres thereof, to the extent of the
Insured’s legal liability for insured physical loss or damage to such property. Such interest of
contractors and subcontractors is limited to the property for which they have been hired to perform
work and such interest will not extend to any TIME ELEMENT coverage provided under this
Policy.
2. EXCLUDED PROPERTY
The following exclusions apply unless otherwise stated in this Policy:
This Policy excludes:
A. currency, money, notes or securities.
B. precious metal in bullion form.
C. land and any substance in or on land. However, this exclusion does not apply to:
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 9
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
1) landscape gardening.
2) car parks, parking lots, pavement, roadways, railways, transformer enclosures or
walkways.
3) fill beneath car parks, parking lots, pavement, roadways, railways, transformer
enclosures, walkways, or buildings and structures.
D. water. However, this exclusion does not apply to:
1) water that is contained within any enclosed tank, piping system or any other processing
equipment.
E. animals, standing timber or growing crops.
F. watercraft or aircraft, except when unfueled and manufactured by the Insured.
G. vehicles of officers or employees of the Insured or vehicles otherwise insured for physical
loss or damage.
H. underground mines or mine shafts or any property within such mine or shaft.
I. dams or dikes.
J. property in transit, except as otherwise provided by this Policy.
K. property sold by the Insured under conditional sale, trust agreement, installment plan or
other deferred payment plan after delivery to customers, except as provided by the
INSTALLMENT OR DEFERRED PAYMENTS coverage of this Policy.
L. electronic data, programs or software, except when incorporated into physical goods
intended to be sold as:
1) finished goods manufactured by the Insured; or
2) other merchandise not manufactured by the Insured,
or as otherwise provided by the DATA RESTORATION coverage of this Policy.
M. property located at DCGH Building No. 12, DCGH Building No. 15, DCGH Building No.
16 – Anne Archibald Hall and DCGH Building No. 25 at Location No. 112 as Described on
the Schedule of Locations, except as provided by the DEBRIS REMOVAL coverage of this
Policy.
3. EXCLUSIONS
In addition to the exclusions elsewhere in this Policy, the following exclusions apply unless
otherwise stated:
A. This Policy excludes:
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 10
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
1) indirect or remote loss or damage.
2) interruption of business, except to the extent provided by this Policy.
3) loss of market or loss of use.
4) loss or damage or deterioration arising from any delay.
5) mysterious disappearance, loss or shortage disclosed on taking inventory, or any
unexplained loss.
6) loss from enforcement of any law or ordinance:
a) regulating the construction, repair, replacement, use or removal, including debris
removal, of any property; or
b) requiring the demolition of any property, including the cost in removing its debris;
except as provided by the DECONTAMINATION COSTS and LAW AND
ORDINANCE coverages of this Policy.
7) loss resulting from the voluntary parting with title or possession of property if induced
by any fraudulent act or by false pretence.
B. This Policy excludes loss or damage directly or indirectly caused by or resulting from any of
the following regardless of any other cause or event, whether or not insured under this
Policy, contributing concurrently or in any other sequence to the loss:
1) nuclear reaction or nuclear radiation or radioactive contamination. However:
a) if physical damage by fire or sprinkler leakage results, then only that resulting
damage is insured; but not including any loss or damage due to nuclear reaction,
radiation or radioactive contamination.
b) this Policy does insure physical damage directly caused by sudden and accidental
radioactive contamination, including resultant radiation damage, from material used
or stored or from processes conducted on the insured location, provided that on the
date of loss, there is neither a nuclear reactor nor any new or used nuclear fuel on
the insured location. This coverage does not apply to any act, loss or damage
excluded in item B2g of this EXCLUSIONS clause.
This exclusion B1 and the exceptions in B1a and B1b do not apply to any act, loss or
damage which also comes within the terms of exclusion B2c of this EXCLUSIONS
clause.
2) a) hostile or warlike action in time of peace or war, including action in hindering,
combating or defending against an actual, impending or expected attack by any:
(i) government or sovereign power (de jure or de facto);
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 11
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
(ii) military, naval or air force; or
(iii) agent or authority of any party specified in i or ii above.
b) hostile or warlike cyberattack in time of peace or war, including action in hindering,
combating or defending against an actual, impending or expected cyberattack by
any:
(i) government or sovereign power (de jure or de facto);
(ii) military, naval or air force; or
(iii) agent or authority of any party specified in i or ii above.
c) discharge, explosion or use of any nuclear device, weapon or material employing or
involving nuclear fission, fusion or radioactive force, whether in time of peace or
war and regardless of who commits the act.
d) insurrection, rebellion, revolution, civil war, usurped power, or action taken by
governmental authority in hindering, combating or defending against such an event.
e) seizure or destruction under quarantine or custom regulation, or confiscation by
order of any governmental or public authority.
f) risks of contraband, or illegal transportation or trade.
g) terrorism, including action taken to prevent, defend against, respond to or retaliate
against terrorism or suspected terrorism.
Any act which satisfies the definition of terrorism shall not be considered to be
vandalism, malicious mischief, riot, civil commotion, or any other risk of physical
loss or damage covered elsewhere in this Policy.
If any act which satisfies the definition of terrorism also comes within the terms of
items B2a or B2b of this EXCLUSIONS clause then items B2a or B2b applies in
place of this item B2g exclusion.
If any act which satisfies the definition of terrorism also comes within the terms of
item B2c of this EXCLUSIONS clause then item B2c applies in place of this item
B2g exclusion.
If any act which satisfies the definition of terrorism also comes within the terms of
item B2d of this EXCLUSIONS clause then item B2d applies in place of this item
B2g exclusion.
If any act excluded herein involves nuclear reaction, nuclear radiation or radioactive
contamination, this item B2g exclusion applies in place of item B1 of this
EXCLUSIONS clause.
3) any dishonest act, including but not limited to theft, committed alone or in collusion
with others, at any time:
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 12
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
a) by an Insured or any proprietor, partner, director, trustee, officer, or employee of an
Insured; or
b) by any proprietor, partner, director, trustee, or officer of any business or entity (other
than a common carrier) engaged by an Insured to do anything in connection with
property insured under this Policy.
This Policy does insure acts of direct insured physical damage intentionally caused by
an employee of an Insured or any individual specified in b above, and done without the
knowledge of the Insured. This coverage does not apply to any act excluded in B2g of
this EXCLUSIONS clause. In no event does this Policy cover loss by theft by any
individual specified in a or b above.
4) lack of the following services:
a) incoming electricity, fuel, water, gas, steam or refrigerant;
b) outgoing sewerage;
c) incoming or outgoing voice, data or video,
all when caused by an event off the insured location, except as provided in the DATA
SERVICE PROVIDER and SERVICE INTERRUPTION coverages of this Policy. But,
if the lack of such a service directly causes insured physical damage on the insured
location, then only that resulting damage is insured.
C. This Policy excludes the following, but, if physical damage not excluded by this Policy
results, then only that resulting damage is insured:
1) faulty workmanship, material, construction or design from any cause.
2) loss or damage to stock or material attributable to manufacturing or processing
operations while such stock or material is being processed, manufactured, tested, or
otherwise worked on.
3) deterioration, depletion, rust, corrosion or erosion, wear and tear, inherent vice or latent
defect.
4) settling, cracking, shrinking, bulging, or expansion of:
a) foundations (including any pedestal, pad, platform or other property supporting
machinery).
b) floors.
c) pavements.
d) walls.
e) ceilings.
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 13
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
f) roofs.
5) a) changes of temperature damage (except to machinery or equipment); or
b) changes in relative humidity damage,
all whether atmospheric or not.
6) insect, animal or vermin damage.
7) loss or damage to the interior portion of buildings under construction from rain, sleet or
snow, whether or not driven by wind, when the installation of the roof, walls or windows
of such buildings has not been completed.
D. This Policy excludes the following unless directly resulting from other physical damage not
excluded by this Policy:
1) contamination, and any cost due to contamination including the inability to use or
occupy property or any cost of making property safe or suitable for use or occupancy. If
contamination due only to the actual not suspected presence of contaminant(s) directly
results from other physical damage not excluded by this Policy, then only physical
damage caused by such contamination may be insured. This exclusion D1 does not
apply to radioactive contamination which is excluded elsewhere in this Policy.
2) shrinkage.
3) changes in color, flavor, texture or finish.
4. APPLICATION OF POLICY TO DATE OR TIME RECOGNITION
With respect to situations caused by any date or time recognition problem by electronic data
processing equipment or media (such as the so-called Year 2000 problem), this Policy applies as
follows.
A. This Policy does not pay for remediation, change, correction, repair or assessment of any
date or time recognition problem, including the Year 2000 problem, in any electronic data
processing equipment or media, whether preventative or remedial, and whether before or
after a loss, including temporary protection and preservation of property. This Policy does
not pay for any TIME ELEMENT loss resulting from the foregoing remediation, change,
correction, repair or assessment.
B. Failure of electronic data processing equipment or media to correctly recognize, interpret,
calculate, compare, differentiate, sequence, access or process data involving one or more
dates or times, including the Year 2000, is not insured physical loss or damage. This Policy
does not pay for any such incident or for any TIME ELEMENT loss resulting from any such
incident.
Subject to all of its terms and conditions, this Policy does pay for physical loss or damage not
excluded by this Policy that results from a failure of electronic data processing equipment or
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 14
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
media to correctly recognize, interpret, calculate, compare, differentiate, sequence, access or
process data involving one or more dates or times, including the Year 2000. Such covered
resulting physical loss or damage does not include any loss, cost or expense described in A or B
above. If such covered resulting physical loss or damage happens, and if this Policy provides
TIME ELEMENT coverage, then, subject to all of its terms and conditions, this Policy also covers
any insured Time Element loss directly resulting therefrom.
5. VALUATION
Adjustment of the physical loss amount under this Policy will be computed as of the date of loss at
the place of the loss, and for no more than the interest of the Insured.
Unless stated otherwise in an Additional Coverage, adjustment of physical loss to property will be
subject to the following:
A. On stock in process, the value of raw materials and labor expended plus the proper
proportion of overhead charges.
B. On finished goods manufactured by the Insured, the regular cash selling price, less all
discounts and charges to which the finished goods would have been subject had no loss
happened.
C. On raw materials, supplies or other merchandise not manufactured by the Insured:
1) if repaired or replaced, the actual expenditure incurred in repairing or replacing the
damaged or destroyed property; or
2) if not repaired or replaced, the actual cash value.
D. On exposed films, records, manuscripts and drawings that are not valuable papers and
records, the value blank plus the cost of copying information from back-up or from originals
of a previous generation. These costs will not include research, engineering or any costs of
restoring or recreating lost information.
E. On vacant property, the actual cash value, not to exceed the selling price.
F. On all other property, the lesser of the following:
1) The cost to repair.
2) The cost to rebuild or replace on the same site with new materials of like size, kind and
quality.
3) The cost in rebuilding, repairing or replacing on the same or another site, but not to
exceed the size and operating capacity that existed on the date of loss.
4) The selling price of real property or machinery and equipment, other than stock, offered
for sale on the date of loss.
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 15
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
5) The cost to replace unrepairable electrical or mechanical equipment, including computer
equipment, with equipment that is the most functionally equivalent to that damaged or
destroyed, even if such equipment has technological advantages and/or represents an
improvement in function and/or forms part of a program of system enhancement.
6) The increased cost of demolition, if any, directly resulting from insured loss, if such
property is scheduled for demolition.
7) The unamortized value of improvements and betterments, if such property is not
repaired or replaced at the Insured’s expense.
8) The actual cash value if such property is:
a) useless to the Insured; or
b) not repaired, replaced or rebuilt on the same or another site within two years from
the date of loss, unless such time is extended by the Company.
The Insured may elect not to repair or replace the insured real or personal property lost,
damaged or destroyed. Loss settlement may be elected on the lesser of repair or replacement
cost basis if the proceeds of such loss settlement are expended on other capital expenditures
related to the Insured’s operations within two years from the date of loss. As a condition of
collecting under this item, such expenditure must be unplanned as of the date of loss and be
made at an insured location under this Policy. This item does not extend to LAW AND
ORDINANCE.
6. ADDITIONAL COVERAGES
This Policy includes the following Additional Coverages for insured physical loss or damage.
These Additional Coverages:
1) are subject to the applicable limit of liability;
2) will not increase the Policy limit of liability; and
3) are subject to the Policy provisions, including applicable exclusions and deductibles,
all as shown in this section and elsewhere in this Policy.
CYBER ADDITIONAL COVERAGES
A. DATA RESTORATION
This Policy covers insured physical loss or damage to electronic data, programs or
software.
With respect to physical loss or damage to electronic data, programs or software caused
by or resulting from a cyber event, this Additional Coverage will apply when the time to
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 16
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
recreate or restore such data, programs or software with due diligence and dispatch is in
excess of 48 hours.
For the purposes of this Additional Coverage, insured data, programs or software can be
anywhere worldwide, including while in transit, except in Cuba, Iran, North Korea, Russian
Federation, Sudan, Syria or Crimea, Donetsk People’s Republic (DPR) and Luhansk
People’s Republic (LPR) regions of Ukraine.
This Additional Coverage also covers:
1) the cost of the following reasonable and necessary actions taken by the Insured provided
such actions are taken due to actual insured physical loss or damage to electronic data,
programs or software:
a) actions to temporarily protect and preserve insured electronic data, programs or
software.
b) actions taken for the temporary repair of insured physical loss or damage to
electronic data, programs or software.
c) actions taken to expedite the permanent repair or replacement of such damaged
property.
2) the reasonable and necessary costs incurred by the Insured to temporarily protect or
preserve insured electronic data, programs or software against immediately impending
insured physical loss or damage to electronic data, programs or software. In the
event that there is no physical loss or damage, the costs covered under this item will be
subject to the deductible that would have applied had there been such physical loss or
damage.
Costs recoverable under this Additional Coverage are excluded from coverage elsewhere in
this Policy.
This Additional Coverage excludes loss or damage to data, programs or software when
incorporated into physical goods intended to be sold as:
1) finished goods manufactured by the Insured; or
2) other merchandise not manufactured by the Insured.
DATA RESTORATION Exclusions: As respects DATA RESTORATION, the following
applies:
1) the exclusions in the EXCLUSIONS clause of this section do not apply except for A1,
A2, A6, B1, B2, B3a and B4.
2) the following additional exclusions apply:
This Policy excludes the following, but, if physical damage not excluded by this Policy
results, then only that resulting damage is insured:
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 17
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
a) errors or omissions in processing or copying.
b) loss or damage to data, programs or software from errors or omissions in
programming or machine instructions.
c) deterioration, inherent vice, vermin or wear and tear.
DATA RESTORATION Valuation: On property covered under this Additional Coverage the
loss amount will not exceed:
1) the cost to repair, replace or restore data, programs or software including the costs to
recreate, research and engineer;
2) if not repaired, replaced or restored within two years from the date of loss, the blank
value of the media.
B. DATA SERVICE PROVIDER PROPERTY DAMAGE
This Policy covers insured physical loss or damage to insured property at an insured
location when such physical loss or damage results from the interruption of off-premises
data processing or data transmission services by reason of any accidental event at the
facilities of the provider of such services that immediately prevents in whole or in part the
delivery of such provided services.
For the purposes of this Additional Coverage, facilities of the provider of off-premises data
processing or data transmission services can be located worldwide except in Cuba, Iran,
North Korea, Russian Federation, Sudan, Syria or Crimea, Donetsk People’s Republic
(DPR) and Luhansk People’s Republic (LPR) regions of Ukraine.
This Additional Coverage will apply when the period of interruption of off-premises data
processing or data transmission services as described below is in excess of 24 hours.
The period of interruption of off-premises data processing or data transmission services
is the period starting with the time when an interruption of provided services happens; and
ending when with due diligence and dispatch the service could be wholly restored.
Additional General Provisions:
1) The Insured will immediately notify the company providing off-premises data
processing or data transmission services of any interruption of such services.
2) The Company will not be liable if the interruption of such services is caused directly or
indirectly by the failure of the Insured to comply with the terms and conditions of any
contracts the Insured has entered into for such specified services.
DATA SERVICE PROVIDER PROPERTY DAMAGE Exclusions: As respects DATA
SERVICE PROVIDER PROPERTY DAMAGE, the following applies:
1) Items B4 and C5 of the EXCLUSIONS clause in this section do not apply except for B4
with respect to:
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 18
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
a) incoming electricity, fuel, water, gas, steam or refrigerant; and
b) outgoing sewerage.
2) The following additional exclusions apply:
This Policy excludes loss or damage directly or indirectly caused by or resulting from
the following regardless of any other cause or event, whether or not insured under this
Policy, contributing concurrently or in any other sequence to the loss:
a) earth movement for property located in California, in the New Madrid Seismic
Zone or in the Pacific Northwest Seismic Zone.
b) accidental event to a satellite.
OTHER ADDITIONAL COVERAGES
A. ACCIDENTAL INTERRUPTION OF SERVICES
This Policy covers physical damage resulting from changes in temperature or relative
humidity to insured property at an insured location when such changes in temperature or
relative humidity result from the interruption of services consisting of electricity, gas, fuel,
steam, water or refrigeration by reason of any accidental event, other than insured physical
loss or damage, at the insured location.
This Additional Coverage will apply when the period of service interruption as described
below is in excess of 24 hours.
The period of service interruption is the period starting with the time when an interruption of
specified services happens; and ending when with due diligence and dispatch the service
could be wholly restored.
B. ACCOUNTS RECEIVABLE
This Policy covers the following directly resulting from insured physical loss or damage to
accounts receivable records while anywhere within this Policy’s TERRITORY, including
while in transit:
1) any shortage in the collection of accounts receivable.
2) the interest charges on any loan to offset such impaired collection pending repayment of
such uncollectible sum. Unearned interest and service charges on deferred payment
accounts and normal credit losses on bad debts will be deducted in determining the
amount recoverable.
3) the reasonable and necessary cost incurred for material and time required to re-establish
or reconstruct accounts receivable records excluding any costs covered by any other
insurance.
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 19
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
4) any other necessary and reasonable costs incurred to reduce the loss, to the extent the
losses are reduced.
Accounts receivable records will include accounts receivable records stored as electronic
data.
In the event of loss, the Insured will:
1) use all reasonable efforts, including legal action, if necessary, to effect collection of
outstanding accounts receivable.
2) reduce loss by use of any suitable property or service:
a) owned or controlled by the Insured; or
b) obtainable from other sources.
3) reconstruct, if possible, accounts receivable records so that no shortage is sustained.
The settlement of loss will be made within 90 days from the date of physical loss or damage.
All amounts recovered by the Insured on outstanding accounts receivable on the date of loss
will belong and be paid to the Company up to the amount of loss paid by the Company. All
recoveries exceeding the amount paid will belong to the Insured.
ACCOUNTS RECEIVABLE Exclusions: As respects ACCOUNTS RECEIVABLE, the
following additional exclusions apply:
This Policy does not insure against shortage resulting from:
1) bookkeeping, accounting or billing errors or omissions; or
2) a) alteration, falsification, manipulation; or
b) concealment, destruction or disposal,
of accounts receivable records committed to conceal the wrongful giving, taking,
obtaining or withholding of money, securities or other property; but only to the extent of
such wrongful giving, taking, obtaining or withholding.
C. AUTOMATIC COVERAGE
This Policy covers insured physical loss or damage to insured property at any location
purchased, leased or rented by the Insured after the inception date of this Policy.
This Additional Coverage applies:
1) from the date of purchase, lease or rental,
2) until the first of the following:
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 20
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
a) the location is bound by the Company.
b) agreement is reached that the location will not be insured under this Policy.
c) the time limit shown in the LIMITS OF LIABILITY clause in the
DECLARATIONS section has been reached. The time limit begins on the date of
purchase, lease or rental.
D. BRANDS AND LABELS
If branded or labeled insured property is physically damaged and the Company elects to take
all or any part of that property, the Insured may at the Company’s expense:
1) stamp “salvage” on the property or its containers; or
2) remove or obliterate the brands or labels,
if doing so will not damage the property.
The Insured must relabel such property or its containers to be in compliance with any
applicable law.
E. CLAIMS PREPARATION COSTS
This Policy covers the actual costs incurred by the Insured:
1) of reasonable fees payable to the Insured’s: accountants, architects, auditors, engineers,
or other professionals; and
2) the cost of using the Insured’s employees,
for producing and certifying any particulars or details contained in the Insured’s books or
documents, or such other proofs, information or evidence required by the Company resulting
from insured loss payable under this Policy for which the Company has accepted liability.
This Additional Coverage will not cover the fees and costs of:
1) attorneys, public adjusters, and loss appraisers, all including any of their subsidiary,
related or associated entities either partially or wholly owned by them or retained by
them for the purpose of assisting them,
2) loss consultants who provide consultation on coverage or negotiate claims.
This Additional Coverage is subject to the deductible that applies to the loss.
F. COMMUNICABLE DISEASE RESPONSE
If a location owned, leased or rented by the Insured has the actual not suspected presence of
communicable disease and access to such location is limited, restricted or prohibited by:
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 21
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
1) an order of an authorized governmental agency regulating the actual not suspected
presence of communicable disease; or
2) a decision of an Officer of the Insured as a result of the actual not suspected presence of
communicable disease,
this Policy covers the reasonable and necessary costs incurred by the Insured at such
location with the actual not suspected presence of communicable disease for the:
1) cleanup, removal and disposal of the actual not suspected presence of communicable
diseases from insured property; and
2) actual costs of fees payable to public relations services or actual costs of using the
Insured’s employees for reputation management resulting from the actual not suspected
presence of communicable diseases on insured property.
This Additional Coverage will apply when access to such location is limited, restricted or
prohibited in excess of 48 hours.
This Additional Coverage does not cover any costs incurred due to any law or ordinance
with which the Insured was legally obligated to comply prior to the actual not suspected
presence of communicable disease.
G. CONSEQUENTIAL REDUCTION IN VALUE
This Policy covers the reduction in value of insured merchandise that is a part of pairs, sets,
or components, directly resulting from insured physical loss or damage to other insured parts
of pairs, sets or components of such merchandise. If settlement is based on a constructive
total loss, the Insured will surrender the undamaged parts of such merchandise to the
Company.
H. CONTROL OF DAMAGED PROPERTY
This Policy gives control of physically damaged property consisting of finished goods
manufactured by or for the Insured as follows:
1) the Insured will have full rights to the possession and control of damaged property in the
event of insured physical damage to such property provided proper testing is done to
show which property is physically damaged.
2) the Insured using reasonable judgment will decide if the physically damaged property
can be reprocessed or sold.
3) property so judged by the Insured to be unfit for reprocessing or selling will not be sold
or disposed of except by the Insured, or with the Insured’s consent.
4) any salvage proceeds received will go to the:
a) Company at the time of loss settlement; or
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 22
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
b) Insured if received prior to loss settlement and such proceeds will reduce the amount
of loss payable accordingly.
I. DEBRIS REMOVAL
This Policy covers the reasonable and necessary costs incurred to remove debris from an
insured location that remains as a direct result of insured physical loss or damage.
This Additional Coverage does not cover the costs of removal of:
1) contaminated uninsured property; or
2) the contaminant in or on uninsured property,
whether or not the contamination results from insured physical loss or damage. This
Additional Coverage covers the costs of removal of contaminated insured property or the
contaminant in or on insured property only if the contamination, due to the actual not
suspected presence of contaminant(s), of the debris resulted directly from other physical
damage not excluded by the Policy.
J. DECONTAMINATION COSTS
If insured property is contaminated as a direct result of insured physical damage and there is
in force at the time of the loss any law or ordinance regulating contamination due to the
actual not suspected presence of contaminant(s), then this Policy covers, as a direct result of
enforcement of such law or ordinance, the increased cost of decontamination and/or removal
of such contaminated insured property in a manner to satisfy such law or ordinance. This
Additional Coverage applies only to that part of insured property so contaminated due to the
actual not suspected presence of contaminant(s) as a direct result of insured physical
damage.
The Company is not liable for the costs required for removing contaminated uninsured
property or the contaminant therein or thereon, whether or not the contamination results
from an insured event.
K. ERRORS AND OMISSIONS
If physical loss or damage is not payable under this Policy solely due to an error or
unintentional omission:
1) in the description of where insured property is physically located;
2) to include any location:
a) owned, leased or rented by the Insured on the effective date of this Policy; or
b) purchased, leased or rented by the Insured during the term of this Policy; or
3) that results in cancellation of the property insured under this Policy;
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 23
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
this Policy covers such physical loss or damage, to the extent it would have provided
coverage had such error or unintentional omission not been made.
It is a condition of this Additional Coverage that any error or unintentional omission be
reported by the Insured to the Company when discovered and corrected.
L. EXPEDITING COSTS
This Policy covers the reasonable and necessary costs incurred:
1) for the temporary repair of insured physical damage to insured property;
2) for the temporary replacement of insured equipment suffering insured physical damage;
and
3) to expedite the permanent repair or replacement of such damaged property.
This Additional Coverage does not cover costs recoverable elsewhere in this Policy,
including the cost of permanent repair or replacement of damaged property.
M. FINE ARTS AND VALUABLE PAPERS AND RECORDS
This Policy covers insured physical loss or damage to fine arts and valuable papers and
records while anywhere within this Policy’s TERRITORY, including while in transit.
FINE ARTS AND VALUABLE PAPERS AND RECORDS Exclusions: As respects FINE
ARTS AND VALUABLE PAPERS AND RECORDS, the following applies:
1) the exclusions in the EXCLUSIONS clause of this section do not apply except for A1,
A2, A6, A7, B1, B2, B3a and B4.
2) the following additional exclusions apply:
This Policy excludes:
a) currency, money, securities.
b) errors or omissions in processing or copying of valuable papers and records, but,
if physical damage not excluded by this Policy results, then only that resulting
damage is insured.
c) deterioration, inherent vice, or wear and tear, but, if physical damage not excluded
by this Policy results, then only that resulting damage is insured.
d) fungus, mold or mildew unless directly resulting from other physical damage not
excluded by this Policy.
e) loss or damage to fine arts from any repairing, restoration or retouching process.
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 24
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
FINE ARTS AND VALUABLE PAPERS AND RECORDS Valuation: On property covered
under this Additional Coverage the loss amount will not exceed the lesser of the following:
1) the cost to repair or restore such property to the physical condition that existed on the
date of loss.
2) the cost to replace.
3) the value, if any, designated for the item on the schedule on file with the Company.
If a fine arts article is part of a pair or set, and a physically damaged article cannot be
replaced, or repaired or restored to the condition that existed immediately prior to the loss,
the Company will be liable for the lesser of the full value of such pair or set or the amount
designated on the schedule. The Insured agrees to surrender the pair or set to the Company.
N. INSTALLMENT OR DEFERRED PAYMENTS
This Policy covers insured physical loss or damage to personal property of the type insured
sold by the Insured under a conditional sale or trust agreement or any installment or deferred
payment plan and after such property has been delivered to the buyer. Coverage is limited to
the unpaid balance for such property.
In the event of loss to property sold under deferred payment plans, the Insured will use all
reasonable efforts, including legal action, if necessary, to effect collection of outstanding
amounts due or to regain possession of the property.
There is no liability under this Policy for loss:
1) pertaining to products recalled including, but not limited to, the costs to recall, test or to
advertise such recall by the Insured.
2) from theft or conversion by the buyer of the property after the buyer has taken
possession of such property.
3) to the extent the buyer continues payments.
4) not within the TERRITORY of this Policy.
INSTALLMENT OR DEFERRED PAYMENTS Valuation: On property covered under this
Additional Coverage the loss amount will not exceed the lesser of the following:
1) total amount of unpaid installments less finance charges.
2) actual cash value of the property at the time of loss.
3) cost to repair or replace with material of like size, kind and quality.
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 25
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
O. LAND AND WATER CONTAMINANT CLEANUP, REMOVAL AND
DISPOSAL
This Policy covers the reasonable and necessary cost for the cleanup, removal and disposal
of the actual not suspected presence of contaminant(s) from uninsured property consisting
of land, water or any other substance in or on land at the insured location if the release,
discharge or dispersal of such contaminant(s) is a direct result of insured physical loss or
damage to insured property.
This Policy does not cover the cost to cleanup, remove and dispose of contamination from
such property:
1) at any location insured for Personal Property only.
2) at any property insured under AUTOMATIC COVERAGE, ERRORS AND
OMISSIONS or MISCELLANEOUS PROPERTY coverage provided by this Policy.
3) when the Insured fails to give written notice of loss to the Company within 180 days
after inception of the loss.
P. LAW AND ORDINANCE
This Policy covers the costs as described herein resulting from the Insured’s obligation to
comply with a law or ordinance, provided that:
1) such law or ordinance is enforced as a direct result of insured physical loss or damage at
an insured location;
2) such law or ordinance is in force at the time of such loss or damage; and
3) such location was not required to be in compliance with such law or ordinance prior to the
happening of the insured physical loss or damage.
Coverage A:
The reasonable and necessary costs incurred by the Insured to comply with the enforcement
of the minimum requirements of any law or ordinance that regulates the demolition,
construction, repair, replacement or use of buildings, structures, machinery or equipment.
As respects insured property, this Coverage A covers the reasonable and necessary costs to:
1) demolish any physically damaged and undamaged portions of the insured buildings,
structures, machinery or equipment.
2) repair or rebuild the physically damaged and undamaged portions, whether or not
demolition is required, of such insured buildings, structures, machinery or equipment.
The Company’s maximum liability for this Coverage A at each insured location in any
occurrence will not exceed the actual costs incurred in demolishing the physically damaged
and undamaged portions of the insured property plus the lesser of:
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 26
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
1) the reasonable and necessary cost, excluding the cost of land, to rebuild on another site;
or
2) the cost to rebuild on the same site.
Coverage B:
The reasonable estimated cost to repair, replace or rebuild insured property consisting of
buildings, structures, machinery or equipment that the Insured is legally prohibited from
repairing, replacing or rebuilding to the same height, floor area, number of units, configuration,
occupancy or operating capacity, because of the enforcement of any law or ordinance that
regulates the construction, repair, replacement or use of buildings, structures, machinery or
equipment.
LAW AND ORDINANCE Coverage B Valuation: On property covered under this Coverage
B that cannot legally be repaired or replaced, the loss amount will be the difference between:
1) the actual cash value; and
2) the cost that would have been incurred to repair, replace or rebuild such lost or damaged
property had such law or ordinance not been enforced at the time of loss.
LAW AND ORDINANCE Exclusions: As respects LAW AND ORDINANCE, the
following additional exclusions apply:
This Policy does not cover:
1) any cost incurred as a direct or indirect result of enforcement of any law or ordinance
regulating any form of contamination.
2) any machinery or equipment manufactured by or for the Insured, unless used by the
Insured in its operation at the location suffering the physical loss or damage.
Q. LOSS PAYMENT INCREASED TAX LIABILITY
This Policy covers the increase in tax liability as described herein incurred by the Insured.
Coverage A:
The increase in tax liability from an insured loss at an insured location if the tax treatment
of:
1) the profit portion of a loss payment under this Policy involving finished stock
manufactured by the Insured; and/or
2) the profit portion of a TIME ELEMENT loss payment under this Policy;
is greater than the tax treatment of profits that would have been incurred had no loss
happened.
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 27
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
R. MACHINERY OR EQUIPMENT STARTUP OPTION
After insured machinery or equipment that has sustained insured physical loss or damage is
repaired or replaced and such machinery or equipment is undergoing startup, the following
applies:
If physical loss or damage of the type insured directly results to such machinery or
equipment from such startup, the Insured shall have the option of claiming such resulting
insured damage as part of the original event of physical loss or damage or as a separate
occurrence.
This Additional Coverage applies only:
1) to the first startup event after the original repair or replacement; and
2) when the first startup event happens during the term of this Policy or its renewal issued
by the Company.
For the purposes of this Additional Coverage, startup means:
1) the introduction into machinery or equipment of feedstock or other materials for
processing or handling;
2) the commencement of fuel or energy supply to machinery or equipment.
S. MISCELLANEOUS PROPERTY
This Policy covers insured physical loss or damage to:
1) insured property;
2) property of the type insured that is under contract to be used in a construction project at
an insured location:
a) from the time such property is delivered to the Insured or their contractor (with
respect to the property under construction) by the manufacturer or supplier;
b) while such property is located at a storage site; and
c) while such property is in transit from a storage site to another storage site or to a
construction project at an insured location,
that does not include any such property owned or rented by the contractor;
while anywhere within this Policy’s TERRITORY, including while in transit.
This Additional Coverage excludes property covered elsewhere in this Policy.
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 28
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
MISCELLANEOUS PROPERTY Exclusions: As respects MISCELLANEOUS
PROPERTY, the following additional exclusions apply:
1) This Policy excludes:
a) transmission and distribution systems not at a location.
b) property insured under import or export ocean marine insurance.
c) property shipped between continents.
d) airborne shipments unless by regularly scheduled passenger airlines or air freight
carriers.
e) property of others, including the Insured’s legal liability for it, hauled on vehicles
owned, leased or operated by the Insured when acting as a common or contract
carrier.
2) This Policy excludes loss or damage directly or indirectly caused by or resulting from
the following regardless of any other cause or event, whether or not insured under this
Policy, contributing concurrently or in any other sequence to the loss:
a) earth movement for property located in California, in the New Madrid Seismic
Zone or in the Pacific Northwest Seismic Zone.
T. OPERATIONAL TESTING
This Policy covers insured physical loss or damage to insured property during the period of
operational testing.
This Additional Coverage excludes property, including stock or material, manufactured or
processed by the Insured.
U. PROTECTION AND PRESERVATION OF PROPERTY
This Policy covers:
1) reasonable and necessary costs incurred for actions to temporarily protect or preserve
insured property; provided such actions are necessary due to actual, or to prevent
immediately impending, insured physical loss or damage to such insured property.
2) reasonable and necessary:
a) fire department firefighting charges imposed as a result of responding to a fire in, on
or exposing the insured property.
b) costs incurred of restoring and recharging fire protection systems following an
insured loss.
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 29
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
c) costs incurred for the water used for fighting a fire in, on or exposing the insured
property.
This Additional Coverage is subject to the deductible provisions that would have applied had
the physical loss or damage happened.
V. SERVICE INTERRUPTION PROPERTY DAMAGE
This Policy covers insured physical loss or damage to insured property at an insured
location when such physical loss or damage results from the interruption of incoming
services consisting of electricity, gas, fuel, steam, water, refrigeration or from the lack of
outgoing sewerage service by reason of any accidental event at the facilities of the supplier
of such service located within this Policy’s TERRITORY, that immediately prevents in
whole or in part the delivery of such usable service.
This Additional Coverage will apply when the period of service interruption as described
below is in excess of 24 hours.
The period of service interruption is the period starting with the time when an interruption of
specified services happens; and ending when with due diligence and dispatch the service
could be wholly restored.
Additional General Provisions:
1) The Insured will immediately notify the suppliers of services of any interruption of such
services.
2) The Company will not be liable if the interruption of such services is caused directly or
indirectly by the failure of the Insured to comply with the terms and conditions of any
contracts the Insured has for the supply of such specified services.
SERVICE INTERRUPTION PROPERTY DAMAGE Exclusions: As respects SERVICE
INTERRUPTION PROPERTY DAMAGE, the following applies:
1) The exclusions in the EXCLUSIONS clause in this section do not apply except for:
a) A1, A2, A3, A6, B1, B2, and
b) B4 with respect to incoming or outgoing voice, data or video, and
c) D1 except with respect to fungus, mold or mildew.
2) The following additional exclusions apply:
This Policy excludes loss or damage directly or indirectly caused by or resulting from
the following regardless of any other cause or event, whether or not insured under this
Policy, contributing concurrently or in any other sequence to the loss:
a) earth movement for property located in California, in the New Madrid Seismic
Zone or in the Pacific Northwest Seismic Zone.
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 30
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
W. TEMPORARY REMOVAL OF PROPERTY
When insured property is removed from an insured location for the purpose of being
repaired or serviced or in order to avoid threatened physical loss or damage of the type
insured by this Policy, this Policy covers such property:
1) while at the premises to which such property has been moved; and
2) for physical loss or damage as provided at the insured location from which such
property was removed.
This Additional Coverage does not apply to property:
1) insured, in whole or in part, elsewhere in this Policy.
2) insured, in whole or in part, by any other insurance policy.
3) removed for normal storage, processing or preparation for sale or delivery.
X. TENANT RELOCATION EXPENSE
This Policy covers the following reasonable and necessary costs incurred by the Insured
directly resulting from the relocation of tenants or lawful occupants to other quarters, and the
subsequent return of tenants or lawful occupants to rented space or living quarters at
locations as specified in the Schedule of Locations, when such rented space or living
quarters are made uninhabitable as a direct result of insured physical loss or damage:
1) the cost to pack and transport personal property of the type insured belonging to tenants
or lawful occupants.
2) the cost to search for new quarters.
3) the costs to establish new utility services at the other quarters, less refunds from
discontinued services of the uninhabitable rented space or living quarters at the location
as specified in the Schedule of Locations.
4) the cost to disconnect and reconnect fixtures and equipment.
5) the cost to store personal property of the type insured belonging to tenants or lawful
occupants until such time as the property can be moved to the rented space or living
quarters at the location as specified in the Schedule of Locations.
This Additional Coverage does not cover the following:
1) costs recoverable elsewhere in this Policy.
2) the cost of permanent housing or lodging.
3) security deposits or other payments made to the landlord or lessor of the new quarters.
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 31
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
4) down payments, purchase price, legal fees and closing costs for the purchase of new
quarters.
5) loss due to the termination of a lease or other agreement.
6) cost to replace Personal Property sent with the tenant or lawful occupant to the other
quarters which for any reason is not returned to the rented space or living quarters at the
location as specified in the Schedule of Locations.
TENANT RELOCATION EXPENSE Exclusions: As respects TENANT RELOCATION
EXPENSE, the following additional exclusion applies:
This Policy excludes loss or damage directly or indirectly caused by or resulting from the
following regardless of any other cause or event, whether or not insured under this Policy,
contributing concurrently or in any other sequence to the loss:
1) terrorism.
Y. TRANSPORTATION
This Policy covers the following personal property, except as excluded by this Policy, while
in transit within the TERRITORY of this Policy:
1) owned by the Insured.
2) shipped to customers under F.O.B., C & F or similar terms. The Insured’s contingent
interest in such shipments is admitted.
3) of others in the actual or constructive custody of the Insured to the extent of the
Insured’s interest or legal liability.
4) of others sold by the Insured, that the Insured has agreed prior to the loss to insure
during course of delivery including:
a) when shipped by the Insured’s direct contract service provider or by the Insured’s
direct contract manufacturer to the Insured or to the Insured’s customer.
b) when shipped by the Insured’s customer to the Insured or to the Insured’s contract
service provider or to the Insured’s contract manufacturer.
Coverage Attachment and Duration:
1) This Additional Coverage covers from the time the property leaves the original point of
shipment for transit until the property arrives at the destination.
2) However, coverage on export shipments not insured under ocean cargo policies ends
when the property is loaded on board overseas vessels or aircraft. Coverage on import
shipments not insured under ocean cargo policies begins after discharge from overseas
vessels or aircraft.
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 32
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
This Additional Coverage:
1) covers general average and salvage charges on shipments covered while waterborne.
2) insures physical loss or damage caused by or resulting from:
a) unintentional acceptance of fraudulent bills of lading, shipping or messenger
receipts.
b) improper parties having gained possession of property through fraud or deceit.
Additional General Provisions:
1) This Additional Coverage will not inure directly or indirectly to the benefit of any
carrier or bailee.
2) The Insured has permission, without prejudicing this insurance, to accept:
a) ordinary bills of lading used by carriers;
b) released bills of lading;
c) undervalued bills of lading; and
d) shipping or messenger receipts.
3) The Insured may waive subrogation against railroads under side track agreements.
Except as otherwise stated, the Insured will not enter into any special agreement with
carriers releasing them from their common law or statutory liability.
TRANSPORTATION Exclusions: As respects TRANSPORTATION, the following applies:
1) the exclusions in the EXCLUSIONS clause of this section do not apply except for A1
through A4, B1 through B4, C1, C3, C5, C6, D1 through D3.
2) the following additional exclusions apply:
This Policy excludes:
a) samples in the custody of salespeople or selling agents.
b) property insured under import or export ocean marine insurance.
c) waterborne shipments, unless:
(i) by inland water; or
(ii) by coastal shipments.
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 33
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
d) waterborne shipments via Panama Canal or to and from Alaska, the Commonwealth
of Puerto Rico, and Hawaii.
e) airborne shipments unless by regularly scheduled passenger airlines or air freight
carriers.
f) property of others, including the Insured’s legal liability for it, hauled on vehicles
owned, leased or operated by the Insured when acting as a common or contract
carrier.
g) any transporting vehicle.
TRANSPORTATION Valuation: On property covered under this Additional Coverage the
loss amount will not exceed:
1) Property shipped to or for the account of the Insured will be valued at actual invoice to
the Insured. Included in the value are accrued costs and charges legally due. Charges
may include the Insured’s commission as selling agent.
2) Property sold by the Insured and shipped to or for the purchaser’s account will be valued
at the Insured’s selling invoice amount. Prepaid or advanced freight costs are included.
3) Property not under invoice will be valued:
a) for property of the Insured, at the valuation provisions of this Policy applying at the
place from which the property is being transported; or
b) for other property, at the actual cash market value at the destination point on the date
of loss,
less any charges saved which would have become due and payable upon arrival at
destination.
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 34
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
TIME ELEMENT
TIME ELEMENT loss as provided in the TIME ELEMENT COVERAGES and TIME ELEMENT
COVERAGE EXTENSIONS of this section of the Policy:
A. is subject to the applicable limit of liability that applies to the insured physical loss or
damage but in no event for more than any limit of liability that is stated as applying to the
specific TIME ELEMENT COVERAGE and/or TIME ELEMENT COVERAGE
EXTENSION; and
B. will not increase the Policy limit of liability; and
C. is subject to the Policy provisions, including applicable exclusions and deductibles,
all as shown in this section and elsewhere in this Policy.
1. LOSS INSURED
A. This Policy insures TIME ELEMENT loss, as provided in the TIME ELEMENT
COVERAGES, directly resulting from physical loss or damage of the type insured:
1) to property described elsewhere in this Policy and not otherwise excluded by this Policy
or otherwise limited in the TIME ELEMENT COVERAGES below;
2) used by the Insured, or for which the Insured has contracted use;
3) while located as described in the INSURANCE PROVIDED provision or within 1,000
feet/300 metres thereof, or as described in the TEMPORARY REMOVAL OF
PROPERTY provision; or
4) while in transit as provided by this Policy, and
5) during the Periods of Liability described in this section,
provided such loss or damage is not at a contingent time element location.
B. This Policy insures TIME ELEMENT loss only to the extent it cannot be reduced through:
1) the use of any property or service owned or controlled by the Insured;
2) the use of any property or service obtainable from other sources;
3) working extra time or overtime; or
4) the use of inventory,
all whether at an insured location or at any other premises. The Company reserves the right
to take into consideration the combined operating results of all associated, affiliated or
subsidiary companies of the Insured in determining the TIME ELEMENT loss.
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 35
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
C. This Policy covers expenses reasonably and necessarily incurred by the Insured to reduce the
loss otherwise payable under this section of this Policy. The amount of such recoverable
expenses will not exceed the amount by which the loss has been reduced.
D. In determining the amount of loss payable, the Company will consider the experience of the
business before and after and the probable experience during the PERIOD OF LIABILITY.
The probable experience will consider any increase or decrease in demand for the Insured’s
goods or services during the PERIOD OF LIABILITY, even if such increase or decrease is
from the same event that caused physical loss or damage starting the PERIOD OF
LIABILITY.
2. TIME ELEMENT COVERAGES
A. INSURED OPTION
The Insured has the option to make claim based on either
a) GROSS EARNINGS and EXTENDED PERIOD OF LIABILITY; or
b) GROSS PROFIT,
as described in the TIME ELEMENT section of this Policy and subject to the applicable
terms and conditions as may be shown elsewhere.
Such option may be exercised at any time prior to the conditions set forth in the
SETTLEMENT OF CLAIMS clause in the LOSS ADJUSTMENT AND SETTLEMENT
section of this Policy.
If such claim involves more than one insured location, including interdependency at one or
more insured locations, such claim will be adjusted by using the single coverage option
chosen above.
B. GROSS EARNINGS
Measurement of Loss:
1) The recoverable GROSS EARNINGS loss is the Actual Loss Sustained by the Insured
of the following during the PERIOD OF LIABILITY:
a) Gross Earnings;
b) less all charges and expenses that do not necessarily continue during the interruption
of production or suspension of business operations or services;
c) plus all other earnings derived from the operation of the business.
2) For the purposes of the Measurement of Loss, Gross Earnings is:
for manufacturing operations: the net sales value of production less the cost of all raw
stock, materials and supplies used in such production; or
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 36
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
for mercantile or non-manufacturing operations: the total net sales less cost of
merchandise sold, materials and supplies consumed in the operations or services
rendered by the Insured.
Any amount recovered under property damage coverage at selling price will be
considered to have been sold to the Insured’s regular customers and will be credited
against net sales.
3) In determining the indemnity payable as the Actual Loss Sustained, the Company will
consider the continuation of only those normal charges and expenses that would have
been earned had there been no interruption of production or suspension of business
operations or services.
4) There is recovery hereunder to the extent that the Insured is:
a) wholly or partially prevented from producing goods or continuing business
operations or services;
b) unable to make up lost production within a reasonable period of time, not limited to
the period during which production is interrupted;
c) unable to continue such operations or services during the PERIOD OF LIABILITY;
and
d) able to demonstrate a loss of sales for the operations, services or production
prevented.
C. GROSS PROFIT
Measurement of Loss:
1) The recoverable GROSS PROFIT loss is the Actual Loss Sustained by the Insured of the
following due to the necessary interruption of business during the PERIOD OF
LIABILITY: a) Reduction in Sales and b) Increase in Cost of Doing Business. The
amount payable as indemnity hereunder will be:
a) with respect to Reduction in Sales: The sum produced by applying the Rate of
Gross Profit to the amount by which the sales during the PERIOD OF LIABILITY
will fall short of the Standard Sales. In determining the Reduction in Sales, any
amount recovered under property damage coverage at selling price will be credited
against lost sales.
b) with respect to Increase in Cost of Doing Business:
(i) the additional expenditure necessarily and reasonably incurred for the sole
purpose of avoiding or diminishing the reduction in sales which, but for that
expenditure, would have taken place during the PERIOD OF LIABILITY; but
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 37
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
(ii) not exceeding the sum produced by applying the Rate of Gross Profit to the
amount of the reduction thereby avoided,
all less any sum saved during the PERIOD OF LIABILITY with respect to such of the
Insured Fixed Charges as may cease or be reduced because of such interruption of
business.
2) For the purposes of the Measurement of Loss:
Gross Profit is:
The amount produced by adding to the Net Profit the amount of the Insured Fixed
Charges, or if there be no Net Profit the amount of the Insured Fixed Charges less that
proportion of any loss from business operations as the amount of the Insured Fixed
Charges bears to all fixed charges.
Net Profit is:
The net operating profit (exclusive of all capital receipts and accruals and all outlay
properly chargeable to capital) resulting from the business of the Insured at the insured
locations after due provision has been made for all fixed charges and other expenses
including depreciation but before the deduction of any taxes on profits.
Insured Fixed Charges is:
All fixed charges unless specifically excluded herein.
Sales is:
The money paid or payable to the Insured for goods sold and delivered and for services
rendered in the conduct of the business at an insured location.
Rate of Gross Profit is:
The rate of Gross Profit earned on the sales during the twelve full calendar months
immediately before the date of the physical loss or damage to the described property.
Standard Sales is:
The sales during that period in the twelve months immediately before the date of the
physical loss or damage to the described property which corresponds with the PERIOD
OF LIABILITY.
3) In determining the indemnity payable as the Actual Loss Sustained:
a) if any fixed charges of the business are not insured hereunder, then, in computing
the amount recoverable hereunder as Increase in Cost of Doing Business, that
proportion only of the additional expenditure will be recoverable hereunder which
the sum of the Net Profit and the Insured Fixed Charges bears to the sum of the Net
Profit and all the fixed charges.
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 38
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
b) if during the PERIOD OF LIABILITY goods will be sold or services will be
rendered elsewhere than at the insured locations for the benefit of the business,
either by the Insured or by others on the Insured’s behalf, the money paid or payable
in respect of such sales or services will be included in arriving at the amount of sales
during the PERIOD OF LIABILITY.
4) The Insured will act with due diligence and dispatch in repairing or replacing physically
damaged buildings and equipment to the same or equivalent physical and operating
conditions that existed prior to the damage; and take whatever actions are necessary and
reasonable to minimize the loss payable hereunder.
GROSS PROFIT Exclusions: As respects GROSS PROFIT, the TIME ELEMENT
EXCLUSIONS B and C of this section do not apply and the following applies instead:
This Policy does not insure against any increase in loss due to damages for breach of
contract or for late or noncompletion of orders, or fines or penalties of any nature except
fines or penalties for breach of contract or for late or noncompletion of orders.
Coverage under GROSS PROFIT for the reduction in sales due to contract cancellation will
include only those sales that would have been earned under the contract during the PERIOD
OF LIABILITY.
D. EXTRA EXPENSE
Measurement of Loss:
The recoverable EXTRA EXPENSE loss will be the reasonable and necessary extra costs
incurred by the Insured of the following during the PERIOD OF LIABILITY:
1) extra expenses to temporarily continue as nearly normal as practicable the conduct of
the Insured’s business;
2) extra costs of temporarily using property or facilities of the Insured or others; and
3) costs to purchase finished goods from third parties to fulfill orders when such orders
cannot be met due to physical loss or damage to the Insured’s finished goods, less
payment received for the sale of such finished goods,
less any value remaining at the end of the PERIOD OF LIABILITY for property obtained in
connection with the above.
If the Insured makes claim in accordance with the terms and conditions of the INSURED
OPTION clause, the PERIOD OF LIABILITY for EXTRA EXPENSE coverage will be the
PERIOD OF LIABILITY applicable to the Time Element coverage option selected.
EXTRA EXPENSE Exclusions: As respects EXTRA EXPENSE, the following applies:
1) TIME ELEMENT EXCLUSIONS C does not apply to item 3 above.
2) The following additional exclusions apply:
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 39
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
This Policy does not insure:
a) any loss of income.
b) costs that usually would have been incurred in conducting the business during the
same period had no physical loss or damage happened.
c) costs of permanent repair or replacement of property that has been damaged or
destroyed. However, this exclusion does not apply to item 3 above.
d) any expense recoverable elsewhere in this Policy.
E. LEASEHOLD INTEREST
Measurement of Loss:
The recoverable LEASEHOLD INTEREST incurred by the Insured of the following:
1) If the lease agreement requires continuation of rent; and if the property is wholly
untenantable or unusable, the actual rent payable for the unexpired term of the lease; or
if the property is partially untenantable or unusable, the proportion of the rent payable
for the unexpired term of the lease.
2) If the lease is cancelled by the lessor pursuant to the lease agreement or by the operation
of law; the Lease Interest for the first three months following the loss; and the Net Lease
Interest for the remaining unexpired term of the lease.
3) As used above, the following terms mean:
Net Lease Interest:
That sum which placed at 6% interest rate compounded annually would equal the Lease
Interest (less any amounts otherwise payable hereunder).
Lease Interest:
The excess rent paid for the same or similar replacement property over actual rent
payable plus cash bonuses or advance rent paid (including maintenance or operating
charges) for each month during the unexpired term of the Insured’s lease.
LEASEHOLD INTEREST Exclusions: As respects LEASEHOLD INTEREST, the
following applies:
1) This Policy does not insure loss directly resulting from physical loss or damage to
Personal Property.
2) TIME ELEMENT EXCLUSIONS A, B and C do not apply and the following applies
instead:
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 40
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
This Policy does not insure any increase in loss resulting from the suspension, lapse or
cancellation of any license, or from the Insured exercising an option to cancel the lease;
or from any act or omission of the Insured that constitutes a default under the lease.
F. RENTAL INSURANCE
Measurement of Loss:
The recoverable RENTAL INSURANCE loss is the Actual Loss Sustained by the Insured of
the following during the PERIOD OF LIABILITY:
1) the fair rental value of any portion of the property occupied by the Insured;
2) the income reasonably expected from rentals of unoccupied or unrented portions of such
property; and
3) the rental income from the rented portions of such property according to bona fide
leases, contracts or agreements in force at the time of loss,
all not to include noncontinuing charges and expenses.
RENTAL INSURANCE Exclusions: As respects RENTAL INSURANCE, TIME
ELEMENT EXCLUSIONS A does not apply and the following applies instead:
This Policy does not insure any loss of rental income during any period in which the insured
property would not have been tenantable for any reason other than an insured loss.
3. PERIOD OF LIABILITY
A. The PERIOD OF LIABILITY applying to all TIME ELEMENT COVERAGES, except
GROSS PROFIT and LEASEHOLD INTEREST and as shown below or if otherwise
provided under any TIME ELEMENT COVERAGE EXTENSION, and subject to any Time
Limit provided in the LIMITS OF LIABILITY clause in the DECLARATIONS section, is
as follows:
1) For building and equipment, the period:
a) starting from the time of physical loss or damage of the type insured; and
b) ending when with due diligence and dispatch the building and equipment could be:
(i) repaired or replaced; and
(ii) made ready for operations,
under the same or equivalent physical and operating conditions that existed prior to
the damage.
c) not to be limited by the expiration of this Policy.
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 41
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
2) For building and equipment under construction:
a) the equivalent of the above period of time will be applied to the level of business
that would have been reasonably achieved after construction and startup would have
been completed had no physical damage happened; and
b) due consideration will be given to the actual experience of the business compiled
after completion of the construction and startup.
3) For stock-in-process and mercantile stock, including finished goods not manufactured
by the Insured, the time required with the exercise of due diligence and dispatch:
a) to restore stock in process to the same state of manufacture in which it stood at the
inception of the interruption of production or suspension of business operations or
services; and
b) to replace physically damaged mercantile stock.
This item does not apply to RENTAL INSURANCE.
4) For raw materials and supplies, the period of time:
a) of actual interruption of production or suspension of operations or services resulting
from the inability to get suitable raw materials and supplies to replace similar ones
damaged; but
b) limited to that period for which the damaged raw materials and supplies would have
supplied operating needs.
5) If water:
a) used for any manufacturing purpose, including but not limited to as a raw material or
for power;
b) stored behind dams or in reservoirs; and
c) on any insured location,
is released as the result of physical damage of the type insured to such dam, reservoir or
connected equipment, the Company’s liability for the actual interruption of production
or suspension of operations or services due to inadequate water supply will not extend
beyond 30 consecutive days after the damaged dam, reservoir or connected equipment
has been repaired or replaced.
This item does not apply to RENTAL INSURANCE.
6) For physically damaged exposed films, records, manuscripts and drawings, the time
required to copy from backups or from originals of a previous generation. This time
does not include research, engineering or any other time necessary to restore or recreate
lost information.
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 42
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
This item does not apply to RENTAL INSURANCE.
7) For physically damaged or destroyed property covered under DATA RESTORATION,
the period:
a) starting from the time of physical loss or damage to electronic data, programs or
software; and
b) ending when with due diligence and dispatch the electronic data, programs or
software could have been recreated or restored under the same or equivalent
physical and operating conditions that existed prior to the physical loss or damage.
This item does not apply to RENTAL INSURANCE.
B. The PERIOD OF LIABILITY applying to GROSS PROFIT is as follows:
1) The period:
a) starting from the time of physical loss or damage of the type insured; and
b) ending not later than the period of time shown in the LIMITS OF LIABILITY
clause of the DECLARATIONS section,
during which period the results of the business shall be directly affected by such
damage.
c) not to be limited by the expiration of this Policy.
2) For property under construction, the period:
a) starting on the date that production, business operation or service would have
commenced if physical damage of the type insured had not happened; and
b) ending not later than the period of time shown in the LIMITS OF LIABILITY
clause of the DECLARATIONS section,
during which period the results of the business shall be directly affected by such
damage.
c) not to be limited by the expiration of this Policy.
The Rate of Gross Profit and Standard Sales will be based on the experience of the
business after construction is completed and the probable experience during the
PERIOD OF LIABILITY.
C. The PERIOD OF LIABILITY does not include any additional time due to the Insured’s
inability to resume operations for any reason, including but not limited to:
1) making changes to the buildings, structures, machinery or equipment except as provided
in the LAW AND ORDINANCE clause in the PROPERTY DAMAGE section.
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 43
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
2) restaffing or retraining employees. However, this item does not apply to additional time
needed to train staff to use new machinery or equipment that replaces machinery or
equipment that suffered insured physical loss or damage, provided such training is
completed within 90 consecutive days after the new machinery or equipment has been
installed.
If two or more Periods of Liability apply such periods will not be cumulative.
4. TIME ELEMENT EXCLUSIONS
In addition to the exclusions elsewhere in this Policy, the following exclusions apply to TIME
ELEMENT loss:
This Policy does not insure:
A. Any loss during any idle period, including but not limited to when production, operation,
service or delivery or receipt of goods would cease, or would not have taken place or would
have been prevented due to:
1) physical loss or damage not insured by this Policy on or off of the insured location.
2) planned or rescheduled shutdown.
3) strikes or other work stoppage.
4) any other reason other than physical loss or damage insured under this Policy.
B. Any increase in loss due to:
1) suspension, cancellation or lapse of any lease, contract, license or orders.
2) damages for breach of contract or for late or noncompletion of orders.
3) fines or penalties of any nature except fines or penalties for breach of contract or for late
or noncompletion of orders.
4) any other consequential or remote loss.
C. Any loss resulting from physical loss or damage to finished goods manufactured by the
Insured, or the time required for their reproduction.
5. TIME ELEMENT COVERAGE EXTENSIONS
This Policy also insures TIME ELEMENT loss, as provided by the TIME ELEMENT
COVERAGES of this Policy, for the TIME ELEMENT COVERAGE EXTENSIONS described
below.
CYBER TIME ELEMENT COVERAGE EXTENSIONS
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 44
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
A. DATA SERVICE PROVIDER TIME ELEMENT
This Policy covers the Actual Loss Sustained and EXTRA EXPENSE incurred by the
Insured during the period of interruption at an insured location of off-premises data
processing or data transmission services, when the interruption is caused by any
accidental event at the facilities of the provider of such services that immediately prevents in
whole or in part the delivery of such provided services.
For the purposes of this Extension, facilities of the provider of off-premises data
processing or data transmission services can be located worldwide except in Cuba, Iran,
North Korea, Russian Federation, Sudan, Syria or Crimea, Donetsk People’s Republic
(DPR) and Luhansk People’s Republic (LPR) regions of Ukraine.
This Extension will apply when the period of interruption of off-premises data processing
or data transmission services is in excess of 24 hours.
Additional General Provisions:
1) The Insured will immediately notify the company providing off-premises data
processing or data transmission services of any interruption of such services.
2) The Company will not be liable if the interruption of such services is caused directly or
indirectly by the failure of the Insured to comply with the terms and conditions of any
contracts the Insured has entered into for such specified services.
Coverage provided in this Extension is excluded from coverage elsewhere in this Policy.
This Extension does not cover Actual Loss Sustained and EXTRA EXPENSE incurred by
the Insured covered by OWNED NETWORK INTERRUPTION coverage as provided in
this section of the Policy.
DATA SERVICE PROVIDER TIME ELEMENT Exclusions: As respects DATA SERVICE
PROVIDER TIME ELEMENT, the following applies:
1) Item B4 of the EXCLUSIONS clause in the PROPERTY DAMAGE section does not
apply except for B4 with respect to:
a) incoming electricity, fuel, water, gas, steam or refrigerant; and
b) outgoing sewerage.
2) The following additional exclusions apply:
This Policy excludes loss or damage directly or indirectly caused by or resulting from
the following regardless of any other cause or event, whether or not insured under this
Policy, contributing concurrently or in any other sequence to the loss:
a) earth movement for property located in California, in the New Madrid Seismic
Zone or in the Pacific Northwest Seismic Zone.
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 45
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
b) accidental event to a satellite.
As used above, the period of interruption of off-premises data processing or data
transmission services:
1) is the period starting with the time when an interruption of provided services happens;
and ending when with due diligence and dispatch the service could be wholly restored
and the location receiving the service could or would have resumed normal operations
following the restorations of service under the same or equivalent physical and operating
conditions as provided by the PERIOD OF LIABILITY clause in this section.
2) is limited to only those hours during which the Insured would or could have used
service(s) if it had been available.
3) does not extend to include the interruption of operations caused by any reason other than
interruption of the provided service(s).
B. OWNED NETWORK INTERRUPTION
This Policy covers the Actual Loss Sustained and EXTRA EXPENSE incurred by the
Insured during the period of interruption directly resulting from:
1) the failure of the Insured’s electronic data processing equipment or media to operate,
provided that such failure is the direct result of a cyber event directed at the NAMED
INSURED; or
2) the Insured’s reasonable action to temporarily protect the Insured’s electronic data
processing equipment or media against an actual or immediately impending cyber
event directed at the NAMED INSURED, provided such action is necessary to prevent
failure of the Insured’s electronic data processing equipment or media to operate.
For the purposes of this Extension, the Insured’s electronic data processing equipment or
media can be located worldwide except in Cuba, Iran, North Korea, Russian Federation,
Sudan, Syria or Crimea, Donetsk People’s Republic (DPR) and Luhansk People’s Republic
(LPR) regions of Ukraine.
As respects item 1 above, this Extension will apply when the period of interruption is in
excess of 48 hours.
As used above, the period of interruption:
1) is the period starting when the Insured’s electronic data processing equipment or
media fails to operate and ending when with due diligence and dispatch, the Insured’s
electronic data processing equipment or media could be restored to the same or
equivalent operating condition that existed prior to the failure.
2) does not include the additional time to make changes to the Insured’s electronic data
processing equipment or media.
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 46
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
SUPPLY CHAIN TIME ELEMENT COVERAGE EXTENSIONS
A. CIVIL OR MILITARY AUTHORITY
This Policy covers the Actual Loss Sustained and EXTRA EXPENSE incurred by the
Insured during the PERIOD OF LIABILITY if an order of civil or military authority limits,
restricts or prohibits partial or total access to an insured location provided such order is the
direct result of physical damage of the type insured at the insured location or within five
statute miles/eight kilometres of it.
This Extension does not apply to LEASEHOLD INTEREST.
The PERIOD OF LIABILITY for this TIME ELEMENT COVERAGE EXTENSION will
be:
The period of time:
1) starting at the time of such physical damage; and
2) ending not later than the number of consecutive days shown in the LIMITS OF
LIABILITY clause in the DECLARATIONS section,
this period of time is part of and not in addition to any PERIOD OF LIABILITY applying to
any coverage provided in the TIME ELEMENT section.
B. CONTINGENT TIME ELEMENT EXTENDED
This Policy covers the Actual Loss Sustained and EXTRA EXPENSE incurred by the
Insured during the PERIOD OF LIABILITY directly resulting from physical loss or damage
of the type insured to property of the type insured at contingent time element locations
located within the TERRITORY of this Policy.
As respects CONTINGENT TIME ELEMENT EXTENDED:
1) Time Element loss recoverable under this Extension is extended to include the following
TIME ELEMENT COVERAGE EXTENSIONS:
CIVIL OR MILITARY AUTHORITY
CONTINGENT TIME ELEMENT EXTENDED
DATA SERVICE PROVIDER TIME ELEMENT
DELAY IN STARTUP
EXTENDED PERIOD OF LIABILITY
INGRESS/EGRESS
ON PREMISES SERVICES
SERVICE INTERRUPTION TIME ELEMENT
2) The Insured will influence and cooperate with the contingent time element location in
every way and take any reasonable and necessary action to mitigate the loss payable
hereunder.
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 47
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
3) TIME ELEMENT EXCLUSIONS C does not apply.
CONTINGENT TIME ELEMENT EXTENDED Exclusions: As respects CONTINGENT
TIME ELEMENT EXTENDED, the following additional exclusions apply:
This Policy does not insure loss resulting from:
1) lack of incoming or outgoing transmission of voice, data or video.
2) earth movement as respects a direct or indirect customer, supplier, contract
manufacturer or contract service provider located in California, in the New Madrid
Seismic Zone or in the Pacific Northwest Seismic Zone.
C. INGRESS/EGRESS
This Policy covers the Actual Loss Sustained and EXTRA EXPENSE incurred by the
Insured during the PERIOD OF LIABILITY due to the necessary interruption of the
Insured’s business due to partial or total physical prevention of ingress to or egress from an
insured location, whether or not the premises or property of the Insured is damaged,
provided that such prevention is a direct result of physical damage of the type insured to
property of the type insured.
INGRESS/EGRESS Exclusions: As respects INGRESS/EGRESS, the following additional
exclusions apply:
This Policy does not insure loss resulting from:
1) lack of incoming or outgoing service consisting of electric, fuel, gas, water, steam,
refrigerant, sewerage and voice, data or video.
2) picketing or other action by strikers except for physical damage not excluded by this
Policy.
The PERIOD OF LIABILITY for this TIME ELEMENT COVERAGE EXTENSION will
be:
The period of time:
1) starting at the time of such physical damage; and
2) ending not later than the number of consecutive days shown in the LIMITS OF
LIABILITY clause in the DECLARATIONS section,
this period of time is part of and not in addition to any PERIOD OF LIABILITY applying to
any coverage provided in the TIME ELEMENT section.
D. LOGISTICS EXTRA COST
This Policy covers the extra cost incurred by the Insured during the PERIOD OF
LIABILITY due to the disruption of the normal movement of goods or materials:
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 48
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
1) directly between insured locations; or
2) directly between an insured location and a location of a direct customer, supplier,
contract manufacturer or contract service provider to the Insured,
provided that such disruption is a direct result of physical loss or damage of the type insured
to property of the type insured located within the TERRITORY of this Policy.
Measurement of Loss:
The recoverable extra cost loss will be the reasonable and necessary extra costs incurred by
the Insured of the following:
1) extra costs to temporarily continue as nearly normal as practicable the movement of
goods or materials.
This Extension will apply when the PERIOD OF LIABILITY is in excess of 48 hours except
168 hours applies for earth movement and/or flood and/or wind.
LOGISTICS EXTRA COST Exclusions: As respects LOGISTICS EXTRA COST, the
following additional exclusions apply:
This Policy does not insure:
1) any loss resulting from disruption in the movement of goods or materials between
contingent time element locations.
2) any loss resulting from disruption of incoming or outgoing services consisting of
electricity, gas, fuel, steam, water, refrigeration, sewerage and voice, data or video.
3) any loss of income.
4) costs that usually would have been incurred in conducting the business during the same
period had there been no disruption of normal movement of goods or materials.
5) costs of permanent repair or replacement of property that has been damaged or
destroyed.
6) any expense recoverable elsewhere in this Policy.
7) any loss resulting from disruption caused by loss or damage from earth movement in
California, in the New Madrid Seismic Zone or in the Pacific Northwest Seismic
Zone.
8) any loss resulting from disruption caused by physical loss or damage to personal
property of the Insured while in transit.
The PERIOD OF LIABILITY for this TIME ELEMENT COVERAGE EXTENSION will
be:
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 49
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
The period of time:
1) starting at the time of physical loss or damage causing the disruption of the normal
movement of goods or materials directly between insured locations; or directly between
the insured location and the location of the direct customer, supplier, contract
manufacturer or contract service provider to the Insured, and
2) ending not later than:
a) when with due diligence and dispatch the normal movement of goods or materials
directly between insured locations; or directly between the insured location and the
location of the direct customer, supplier, contract manufacturer or contract service
provider to the Insured could be resumed; or
b) the number of consecutive days shown in the LIMITS OF LIABILITY clause of the
DECLARATIONS section.
E. SERVICE INTERRUPTION TIME ELEMENT
This Policy covers the Actual Loss Sustained and EXTRA EXPENSE incurred by the
Insured during the period of service interruption at an insured location when the loss is
caused by the interruption of incoming services consisting of electricity, gas, fuel, steam,
water, refrigeration or from the lack of outgoing sewerage service by reason of any
accidental event at the facilities of the supplier of such service located within this Policy’s
TERRITORY, that immediately prevents in whole or in part the delivery of such usable
services.
This Extension will apply when the period of service interruption is in excess of 24 hours.
Additional General Provisions:
1) The Insured will immediately notify the suppliers of services of any interruption of such
services.
2) The Company will not be liable if the interruption of such services is caused directly or
indirectly by the failure of the Insured to comply with the terms and conditions of any
contracts the Insured has for the supply of such specified services.
SERVICE INTERRUPTION TIME ELEMENT Exclusions: As respects SERVICE
INTERRUPTION TIME ELEMENT, the following applies:
1) The exclusions in the EXCLUSIONS clause in the PROPERTY DAMAGE section do
not apply except for:
a) A1, A2, A3, A6, B1, B2, and
b) B4 with respect to incoming or outgoing voice, data or video, and
c) D1 except with respect to fungus, mold or mildew.
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 50
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
2) The following additional exclusions apply:
This Policy excludes loss or damage directly or indirectly caused by or resulting from
the following regardless of any other cause or event, whether or not insured under this
Policy, contributing concurrently or in any other sequence to the loss:
a) earth movement for property located in California, in the New Madrid Seismic
Zone or in the Pacific Northwest Seismic Zone.
As used above, the period of service interruption:
1) is the period starting with the time when an interruption of specified services happens;
and ending when with due diligence and dispatch the service could be wholly restored
and the location receiving the service could or would have resumed normal operations
following the restorations of service under the same or equivalent physical and operating
conditions as provided by the PERIOD OF LIABILITY clause in this section.
2) is limited to only those hours during which the Insured would or could have used
service(s) if it had been available.
3) does not extend to include the interruption of operations caused by any reason other than
interruption of the specified service(s).
ADDITIONAL TIME ELEMENT COVERAGE EXTENSIONS
A. ATTRACTION PROPERTY
This Policy covers the Actual Loss Sustained and EXTRA EXPENSE incurred by the
Insured during the PERIOD OF LIABILITY directly resulting from physical loss or damage
of the type insured to property of the type insured that attracts business to an insured
location and is within 1 statute mile/1.6 kilometres of the insured location.
The PERIOD OF LIABILITY for this TIME ELEMENT COVERAGE EXTENSION will
be:
The period of time:
1) starting at the time of such physical damage; and
2) ending not later than the number of consecutive days shown in the LIMITS OF
LIABILITY clause in the DECLARATIONS section.
B. CRISIS MANAGEMENT
This Policy covers the Actual Loss Sustained and EXTRA EXPENSE incurred by the
Insured during the PERIOD OF LIABILITY if an order of civil or military authority limits,
restricts or prohibits partial or total access to an insured location, provided such order is a
direct result of:
1) a violent crime, suicide, attempted suicide, or armed robbery; or
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 51
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
2) a death or bodily injury caused by a workplace accident;
at such insured location.
For the purposes of this Extension only, a workplace accident shall be considered a sudden,
fortuitous event that happens during working hours and arises out of work performed in the
course and the scope of employment.
This Extension of coverage will apply when the PERIOD OF LIABILITY is in excess of 4
hours.
The PERIOD OF LIABILITY for this TIME ELEMENT COVERAGE EXTENSION will
be:
The period of time:
1) starting with the time the civil or military authority prohibits access; and
2) ending not later than the number of consecutive days shown in the LIMITS OF
LIABILITY clause in the DECLARATIONS section.
C. DELAY IN STARTUP
GROSS EARNINGS or GROSS PROFIT and EXTRA EXPENSE are extended to cover the
Actual Loss Sustained incurred by the Insured during the PERIOD OF LIABILITY due to
the reasonable and necessary delay in startup of business operations directly resulting from
physical loss or damage of the type insured to insured property under construction at an
insured location.
D. EXTENDED PERIOD OF LIABILITY
The GROSS EARNINGS coverage is extended to cover the reduction in sales resulting
from:
1) the interruption of business as covered by GROSS EARNINGS;
2) for such additional length of time as would be required with the exercise of due
diligence and dispatch to restore the Insured’s business to the condition that would have
existed had no loss happened; and
3) commencing with the date on which the liability of the Company for loss resulting from
interruption of business would terminate if this Extension had not been included in this
Policy.
EXTENDED PERIOD OF LIABILITY Exclusions: As respects EXTENDED PERIOD OF
LIABILITY, the TIME ELEMENT EXCLUSIONS B of this section does not apply and the
following applies instead:
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 52
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
This Policy does not insure against any increase in loss due to damages for breach of
contract or for late or noncompletion of orders, or fines or penalties of any nature except
fines or penalties for breach of contract or for late or noncompletion of orders.
Coverage under this Extension for the reduction in sales due to contract cancellation will
include only those sales that would have been earned under the contract during the extended
period of liability.
Coverage under this Extension does not apply for more than the number of consecutive days
shown in the LIMITS OF LIABILITY clause of the DECLARATIONS section.
E. INTERRUPTION BY COMMUNICABLE DISEASE
If a location owned, leased or rented by the Insured has the actual not suspected presence of
communicable disease and access to such location is limited, restricted or prohibited by:
1) an order of an authorized governmental agency regulating the actual not suspected
presence of communicable disease; or
2) a decision of an Officer of the Insured as a result of the actual not suspected presence of
communicable disease,
this Policy covers the Actual Loss Sustained and EXTRA EXPENSE incurred by the Insured
during the PERIOD OF LIABILITY at such location with the actual not suspected presence
of communicable disease.
This Extension will apply when access to such location is limited, restricted, or prohibited in
excess of 48 hours.
INTERRUPTION BY COMMUNICABLE DISEASE Exclusions: As respects
INTERRUPTION BY COMMUNICABLE DISEASE, the following additional exclusion
applies:
This Policy does not insure loss resulting from:
1) the enforcement of any law or ordinance with which the Insured was legally obligated to
comply prior to the time of the actual spread of communicable disease.
The PERIOD OF LIABILITY for this TIME ELEMENT COVERAGE EXTENSION will
be:
The period of time:
1) starting at the time of the order of the authorized governmental agency or the Officer of
the Insured; and
2) ending not later than the number of consecutive days shown in the LIMITS OF
LIABILITY clause in the DECLARATIONS section,
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 53
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
this period of time is part of and not in addition to any PERIOD OF LIABILITY applying to
any coverage provided in the TIME ELEMENT section.
F. ON PREMISES SERVICES
This Policy covers the Actual Loss Sustained and EXTRA EXPENSE incurred by the
Insured during the PERIOD OF LIABILITY directly resulting from physical loss or damage
of the type insured to the following property located within 1,000 feet/300 metres of the
insured location:
1) Electrical equipment and equipment used for the transmission of voice, data or video.
2) Electrical, fuel, gas, water, steam, refrigeration, sewerage, voice, data or video
transmission lines.
G. PROTECTION AND PRESERVATION OF PROPERTY TIME ELEMENT
This Policy covers the Actual Loss Sustained by the Insured for a period of time not to
exceed 48 hours prior to and 48 hours after the Insured first taking reasonable action for the
temporary protection and preservation of property insured by this Policy provided such
action is necessary to prevent immediately impending insured physical loss or damage to
such insured property.
This Extension is subject to the deductible provisions that would have applied had the
physical loss or damage happened.
H. RELATED REPORTED VALUES
If reported TIME ELEMENT values include:
1) locations used by the Insured (such as branch stores, sales outlets and other plants) but
not listed on a schedule under this Policy; and
2) a TIME ELEMENT loss would result at such locations,
3) from insured physical loss or damage at an insured location,
then this Policy provides coverage for such resulting TIME ELEMENT loss in accordance
with the coverage applicable at such insured location.
I. RESEARCH AND DEVELOPMENT
The GROSS EARNINGS and GROSS PROFIT coverages are extended to insure the Actual
Loss Sustained by the Insured of continuing fixed charges and ordinary payroll directly
attributable to the interruption of research and development activities that in themselves
would not have produced income during the PERIOD OF LIABILITY.
The PERIOD OF LIABILITY for this Extension will be the period from the time of direct
physical loss or damage of the type insured to the time when the property could be repaired
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 54
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
or replaced and made ready for operations, but not to be limited by the date of expiration of
this Policy.
J. SOFT COSTS
This Policy covers the Actual Loss Sustained incurred by the Insured of soft costs during the
PERIOD OF LIABILITY arising out of the delay of completion of buildings and additions
under construction directly resulting from physical loss or damage of the type insured to
insured property under construction at an insured location.
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 55
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
LOSS ADJUSTMENT AND SETTLEMENT
1. REQUIREMENTS IN CASE OF LOSS
The Insured will:
1) give immediate written notice to the Company of any loss.
2) protect the property from further loss or damage.
3) promptly separate the damaged and undamaged property; put it in the best possible order;
and furnish a complete inventory of the lost, destroyed, damaged and undamaged property
showing in detail the quantities, costs, actual cash value, replacement value and amount of
loss claimed.
4) give a signed and sworn proof of loss to the Company within 90 days after the loss, unless
that time is extended in writing by the Company. The proof of loss must state the
knowledge and belief of the Insured as to:
a) the time and origin of the loss.
b) the Insured’s interest and that of all others in the property.
c) the actual cash value and replacement value of each item and the amount of loss to each
item; all encumbrances; and all other contracts of insurance, whether valid or not,
covering any of the property.
d) any changes in the title, use, occupation, location, possession or exposures of the
property since the effective date of this Policy.
e) by whom and for what purpose any location insured by this Policy was occupied on the
date of loss, and whether or not it then stood on leased ground.
5) include a copy of all the descriptions and schedules in all policies and, if required, provide
verified plans and specifications of any buildings, fixtures, machinery or equipment
destroyed or damaged.
6) further, the Insured, will as often as may be reasonably required:
a) exhibit to any person designated by the Company all that remains of any property;
b) submit to examination under oath by any person designated by the Company and sign
the written records of examinations; and
c) produce for examination at the request of the Company:
(i) all books of accounts, business records, bills, invoices and other vouchers; or
(ii) certified copies if originals are lost,
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 56
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
at such reasonable times and places that may be designated by the Company or its
representative and permit extracts and machine copies to be made.
2. CURRENCY FOR LOSS PAYMENT
Losses will be adjusted and paid in the currency of the United States of America unless directed
otherwise by the Insured.
3. PARTIAL PAYMENT OF LOSS SETTLEMENT
In the event of insured physical loss or damage determined by the Company’s representatives to be
in excess of the applicable Policy deductible, the Company will advance mutually agreed upon
partial payment(s), subject to the Policy’s provisions. To obtain such partial payments, the Insured
will submit a signed and sworn Proof of Loss as described in this Policy, with adequate supporting
documentation.
4. COLLECTION FROM OTHERS
The Company will not be liable for any loss to the extent that the Insured has collected for such
loss from others.
5. SUBROGATION
The Insured is required to cooperate in any subrogation proceedings. The Company may require
from the Insured an assignment or other transfer of all rights of recovery against any party for loss
to the extent of the Company’s payment.
The Company will not acquire any rights of recovery that the Insured has expressly waived prior to
a loss, nor will such waiver affect the Insured’s rights under this Policy.
Any recovery from subrogation proceedings, less costs incurred by the Company in such
proceedings, will be payable to the Insured in the proportion that the amount of:
1) any applicable deductible; and/or
2) any provable uninsured loss,
bears to the entire provable loss amount.
6. COMPANY OPTION
The Company has the option to take all or any part of damaged property at the agreed or appraised
value. The Company must give notice to the Insured of its intention to do so within 30 days after
receipt of Proof of Loss.
7. ABANDONMENT
There may be no abandonment of any property to the Company.
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 57
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
8. APPRAISAL
If the Insured and the Company fail to agree on the amount of loss, each will, on the written
demand of either, select a competent and disinterested appraiser after:
1) the Insured has fully complied with all provisions of this Policy, including
REQUIREMENTS IN CASE OF LOSS; and
2) the Company has received a signed and sworn Proof of Loss from the Insured.
Each will notify the other of the appraiser selected within 20 days of such demand.
The appraisers will first select a competent and disinterested umpire. If the appraisers fail to agree
upon an umpire within 30 days then, on the request of the Insured or the Company, the umpire will
be selected by a judge of a court of record in the jurisdiction in which the appraisal is pending. The
appraisers will then appraise the amount of loss, stating separately the actual cash value and
replacement cost value as of the date of loss and the amount of loss, for each item of physical loss
or damage or if, for TIME ELEMENT loss, the amount of loss for each TIME ELEMENT
coverage of this Policy.
If the appraisers fail to agree, they will submit their differences to the umpire. An award agreed to
in writing by any two will determine the amount of loss.
The Insured and the Company will each:
1) pay its chosen appraiser; and
2) bear equally the other expenses of the appraisal and umpire.
A demand for APPRAISAL shall not relieve the Insured of its continuing obligation to comply
with the terms and conditions of this Policy, including as provided under REQUIREMENTS IN
CASE OF LOSS.
The Company will not be held to have waived any of its rights by any act relating to appraisal.
9. SUIT AGAINST THE COMPANY
No suit, action or proceeding for the recovery of any claim will be sustained in any court of law or
equity unless:
1) the Insured has fully complied with all the provisions of this Policy; and
2) legal action is started within thirty six months after inception of the loss.
If under the insurance laws of the jurisdiction in which the property is located, such thirty six
months’ limitation is invalid, then any such legal action must be started within the shortest limit of
time permitted by such laws.
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 58
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
10. SETTLEMENT OF CLAIMS
The amount of loss for which the Company may be liable will be paid within 30 days after:
A. proof of loss as described in this Policy is received by the Company; and
B. when a resolution of the amount of loss is made either by:
1) written agreement between the Insured and the Company; or
2) the filing with the Company of an award as provided in the APPRAISAL clause of this
section.
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 59
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
GENERAL PROVISIONS
1. CANCELLATION/NON-RENEWAL
This Policy may be:
A. cancelled at any time at the request of the Insured by surrendering this Policy to the
Company or by giving written notice to the Company stating when such cancellation will
take effect; or
B. cancelled by the Company by giving the Insured not less than:
1) 60 days’ written notice of cancellation; or
2) 10 days’ written notice of cancellation if the Insured fails to remit, when due, payment
of premium for this Policy; or
C. non-renewed by the Company by giving the Insured not less than 60 days’ written notice of
non-renewal.
Return of any unearned premium will be calculated on the customary short rate basis if the Insured
cancels and on a pro-rata basis if the Company cancels this Policy. Return of any unearned
premium will be made by the Company as soon as practicable.
2. REPRESENTATION OF RISK
This Policy has been issued based on the statement of values declared by the Insured prior to
inception of this Policy. The Insured will provide the Company 100% values by location annually
no later than sixty (60) days prior to the Policy anniversary or renewal, unless otherwise agreed to.
The Insured will also promptly report 100% of values for any location(s) purchased, leased or
rented by the Insured after the inception, anniversary or renewal dates of this Policy.
Types of Values
A. Property values in accordance with the VALUATION clause of the PROPERTY DAMAGE
section.
B. Stock and Supplies values based on the average and maximum values for the previous 12
month period.
C. Time Element values projected for the 12 months following the inception date of this Policy
and for every renewal thereof, and the actual Time Element values for the previous 12 month
period.
If the Company determines that any of the above values reported by the Insured are not accurate,
the Insured will cooperate with the Company to conduct an appraisal or analysis of such values.
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 60
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
3. INSPECTIONS
The Company, at all reasonable times, will be permitted, but will not have the duty, to inspect
insured property. The Company does not address life, safety or health issues.
The Company’s:
A. right to make inspections;
B. making of inspections; or
C. providing recommendations or other information in connection with any inspections,
will not constitute an undertaking, on behalf of or for the benefit of the Insured or others. The
Company will have no liability to the Insured or any other person because of any inspection or
failure to inspect.
When the Company is not providing jurisdictional inspections, the Owner/Operator has the
responsibility to assure that jurisdictional inspections are performed as required, and to assure that
required jurisdictional Operating Certificates are current for their pressure equipment.
4. PROVISIONS APPLICABLE TO SPECIFIC JURISDICTIONS
A. If the provisions of this Policy conflict with the laws of any jurisdictions in which this Policy
applies, and if certain provisions are required by law to be stated in this Policy, this Policy
will be read so as to eliminate such conflict or deemed to include such provisions for insured
locations within such jurisdictions.
B. The Company will provide to the Insured copies of endorsements mandated for use by the
laws of states in the United States of America. The endorsements modify this Policy with
respect to any insured property located in the state in which the endorsement applies.
C. As respects the United States, its territories and possessions and the Commonwealth of
Puerto Rico, the definition of terrorism is declared null and void and it is agreed that an
event defined as a Certified Act of Terrorism under the terms of the SUPPLEMENTAL
UNITED STATES CERTIFIED ACT OF TERRORISM ENDORSEMENT(S) attached to
this Policy shall be considered an act of terrorism within the terms of this Policy.
Notwithstanding anything contained in this Policy to the contrary, this Policy provides
coverage for direct physical loss or damage to insured property and any resulting TIME
ELEMENT loss, as provided in the TIME ELEMENT section of this Policy, caused by or
resulting from a Certified Act of Terrorism in accordance with the terms and conditions of
the SUPPLEMENTAL UNITED STATES CERTIFIED ACT OF TERRORISM
ENDORSEMENT(S) attached to this Policy. Any difference in limit between loss
recoverable under the SUPPLEMENTAL UNITED STATES CERTIFIED ACT OF
TERRORISM ENDORSEMENT(S) and this Policy is not recoverable under this Policy.
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 61
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
5. SANCTIONS
This Policy shall not provide coverage for any claim, under any provision, if coverage and payment
of such claim would expose the Company to any sanctions, prohibitions or restrictions under
United Nations resolutions or the trade or economic sanctions, laws or regulations of the European
Union, United Kingdom or United States of America.
6. LIBERALIZATION
If during the period that insurance is in force under this Policy, any filed rules or regulations
affecting the same are revised by statute so as to broaden the insurance without additional premium
charge, such extended or broadened insurance will inure to the benefit of the Insured within such
jurisdiction, effective the date of the change specified in such statute.
7. MISREPRESENTATION AND FRAUD
This entire Policy will be void if, whether before or after a loss, an Insured has:
A. willfully concealed or misrepresented any material fact or circumstance concerning this
insurance, the subject thereof, any insurance claim, or the interest of an Insured.
B. made any attempt to defraud the Company.
C. made any false swearing.
8. LENDERS LOSS PAYEE AND MORTGAGEE INTERESTS AND OBLIGATIONS
A. The Company will pay for loss to specified property insured under this Policy to each
specified Lender Loss Payee (hereinafter referred to as Lender) as its interest may appear,
and to each specified Mortgagee as its interest may appear, under all present or future
mortgages upon such property, in order of precedence of the mortgages.
B. The interest of the Lender or Mortgagee (as the case may be) in property insured under this
Policy will not be invalidated by:
1) any act or neglect of the debtor, mortgagor, or owner (as the case may be) of the
property.
2) foreclosure, notice of sale, or similar proceedings with respect to the property.
3) change in the title or ownership of the property.
4) change to a more hazardous occupancy.
The Lender or Mortgagee will notify the Company of any known change in ownership,
occupancy, or hazard and, within 10 days of written request by the Company, may pay the
increased premium associated with such known change. If the Lender or Mortgagee fails to
pay the increased premium, all coverage under this Policy will cease.
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 62
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
C. If this Policy is cancelled at the request of the Insured or its agent, the coverage for the
interest of the Lender or Mortgagee will terminate 10 days after the Company sends to the
Lender or Mortgagee written notice of cancellation, unless:
1) sooner terminated by authorization, consent, approval, acceptance, or ratification of the
Insured's action by the Lender or Mortgagee, or its agent.
2) this Policy is replaced by the Insured, with a policy providing coverage for the interest
of the Lender or Mortgagee, in which event coverage under this Policy with respect to
such interest will terminate as of the effective date of the replacement policy,
notwithstanding any other provision of this Policy.
D. The Company may cancel this Policy and/or the interest of the Lender or Mortgagee under
this Policy, by giving the Lender or Mortgagee written notice 60 days prior to the effective
date of cancellation, if cancellation is for any reason other than non-payment. If the debtor,
mortgagor, or owner has failed to pay any premium due under this Policy, the Company may
cancel this Policy for such non-payment, but will give the Lender or Mortgagee written
notice 10 days prior to the effective date of cancellation. If the Lender or Mortgagee fails to
pay the premium due by the specified cancellation date, all coverage under this Policy will
cease.
E. The Company has the right to invoke this Policy's SUSPENSION clause. The suspension of
insurance will apply to the interest of the Lender or Mortgagee in any machine, vessel, or
part of any machine or vessel, subject to the suspension. The Company will provide the
Lender or Mortgagee at the last known address a copy of the suspension notice.
F. If the Company pays the Lender or Mortgagee for any loss, and denies payment to the
debtor, mortgagor or owner, the Company will, to the extent of the payment made to the
Lender or Mortgagee be subrogated to the rights of the Lender or Mortgagee under all
securities held as collateral to the debt or mortgage. No subrogation will impair the right of
the Lender or Mortgagee to sue or recover the full amount of its claim. At its option, the
Company may pay to the Lender or Mortgagee the whole principal due on the debt or
mortgage plus any accrued interest. In this event, all rights and securities will be assigned
and transferred from the Lender or Mortgagee to the Company, and the remaining debt or
mortgage will be paid to the Company.
G. If the Insured fails to render proof of loss, the Lender or Mortgagee, upon notice of the
Insured's failure to do so, will render proof of loss within 60 days of notice and will be
subject to the provisions of this Policy relating to APPRAISAL, SETTLEMENT OF
CLAIMS, and SUIT AGAINST THE COMPANY.
H. Other provisions relating to the interests and obligations of the Lender or Mortgagee may be
added to this Policy by agreement in writing.
9. OTHER INSURANCE
A. If there is any other insurance that would apply in the absence of this Policy, this Policy will
apply only after such insurance whether collectible or not.
B. In no event will this Policy apply as contributing insurance.
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 63
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
C. The Insured is permitted to have other insurance over any limits or sublimits of liability
specified elsewhere in this Policy without prejudice to this Policy. The existence of any
such insurance will not reduce any limit or sublimit of liability in this Policy. Any other
insurance that would have provided primary coverage in the absence of this Policy will not
be considered excess.
D. The Insured is permitted to have other insurance for all, or any part, of any deductible in this
Policy. The existence of such other insurance will not prejudice recovery under this Policy.
If the limits of liability of such other insurance are greater than this Policy’s applicable
deductible, this Policy’s insurance will apply only after such other insurance has been
exhausted.
E. If this Policy is deemed to contribute with other insurance, the limit of liability applicable at
each location, for the purposes of such contribution with other insurers, will be the latest
amount described in this Policy or the latest location value on file with the Company.
10. POLICY MODIFICATION
This Policy contains all of the agreements between the Insured and the Company concerning this
insurance. The Insured and the Company may request changes to this Policy. This Policy can be
changed only by endorsements issued by the Company and made a part of this Policy.
Notice to any agent or knowledge possessed by any agent or by any other person will not:
A. create a waiver, or change any part of this Policy; or
B. prevent the Company from asserting any rights under the provisions of this Policy.
11. REDUCTION BY LOSS
Claims paid under this Policy will not reduce its limit of liability, except claims paid will reduce
any annual aggregate limit.
12. SUSPENSION
On discovery of a dangerous condition, the Company may immediately suspend this insurance on
any machine, vessel or part thereof by giving written notice to the Insured. The suspended
insurance may be reinstated by the Company. Any unearned premium resulting from such
suspension will be returned by the Company.
13. TITLES
The titles in this Policy are only for reference. The titles do not in any way affect the provisions of
this Policy.
14. ASSIGNMENT
Assignment of this Policy will not be valid except with the written consent of the Company.
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 64
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
15. DEFINITIONS
The following terms when appearing in boldface in this Policy mean:
actual cash value:
the amount it would cost to repair or replace insured property, on the date of loss, with material of
like kind and quality, with proper deduction for obsolescence and physical depreciation.
annual aggregate:
the Company’s maximum amount payable during any policy year.
communicable disease:
disease which is:
A. transmissible from human to human by direct or indirect contact with an affected individual
or the individual’s discharges, or
B. Legionellosis.
contaminant:
anything that causes contamination.
contamination:
any condition of property due to the actual or suspected presence of any foreign substance,
impurity, pollutant, hazardous material, poison, toxin, pathogen or pathogenic organism, bacteria,
virus, disease causing or illness causing agent, fungus, mold or mildew.
contingent time element location:
A. any location:
1) of a direct customer, supplier, contract manufacturer or contract service provider to the
Insured;
2) of any company under a royalty, licensing fee or commission agreement with the
Insured;
B. any location of a company that is a direct or indirect customer, supplier, contract
manufacturer or contract service provider to a location described in A1 above,
not including locations of any company directly or indirectly supplying to, or receiving from, the
Insured, electricity, fuel, gas, water, steam, refrigeration, sewage, voice, data or video.
cyber event:
any act involving the malicious or unauthorized access to, operation of, or use of electronic data
processing equipment or media, regardless of any other cause or event contributing concurrently
or in any other sequence of loss. However, physical loss or damage by fire, explosion or sprinkler
leakage resulting from cyber event will not be considered to be loss by cyber event within the
terms and conditions of this Policy.
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 65
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
date or time recognition:
the recognition, interpretation, calculation, comparison, differentiation, sequencing, accessing or
processing of data involving one or more dates or times, including the Year 2000.
earth movement:
any natural or man-made earth movement including, but not limited to earthquake or landslide,
regardless of any other cause or event contributing concurrently or in any other sequence of loss.
However, physical loss or damage by fire, explosion, sprinkler leakage, or flood resulting from
earth movement will not be considered to be loss by earth movement within the terms and
conditions of this Policy.
electronic data processing equipment or media:
any computer, computer system or component, hardware, network, microprocessor, microchip,
integrated circuit or similar devices or components in computer or non-computer equipment,
operating systems, data, programs or other software stored on electronic, electro-mechanical,
electro-magnetic data processing or production equipment, whether the property of the Insured or
not.
fine arts:
paintings; etchings; pictures; tapestries; rare or art glass; art glass windows; valuable rugs; statuary;
sculptures; antique furniture; antique jewelry; bric-a-brac; porcelains; and similar property of
rarity, historical value, or artistic merit excluding automobiles, coins, stamps, furs, jewelry,
precious stones, precious metals, watercraft, aircraft, money, securities.
flood:
flood; surface waters; rising waters; storm surge, sea surge, wave wash; waves; tsunami; tide or
tidal water; the release of water, the rising, overflowing or breaking of boundaries of natural or
man-made bodies of water; or the spray therefrom; all whether driven by wind or not; or sewer
back-up resulting from any of the foregoing; regardless of any other cause or event, whether
natural or man-made, contributing concurrently or in any other sequence of loss. Physical loss or
damage from flood associated with a storm or weather disturbance whether or not identified by
name by any meteorological authority, is considered to be flood within the terms of this Policy.
However, physical loss or damage by fire, explosion or sprinkler leakage resulting from flood is
not considered to be loss by flood within the terms and conditions of this Policy.
irreplaceable:
an item which cannot be replaced with other of like kind and quality.
location:
A. as specified in the Schedule of Locations, or
B. if not so specified in the Schedule of Locations:
1) a building, yard, dock, wharf, pier or bulkhead (or any group of the foregoing),
a) bounded on all sides by public streets, clear land space or open waterways, each not
less than 50 feet/15 metres wide. Any bridge or tunnel crossing such street, space or
waterway will render such separation inoperative for the purpose of this definition.
New Madrid Seismic Zone:
Arkansas, United States of America, counties of:
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 66
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
Arkansas, Clay, Craighead, Crittenden, Cross, Fulton, Greene, Independence, Jackson, Lawrence,
Lee, Lonoke, Mississippi, Monroe, Phillips, Poinsett, Prairie, Randolph, Sharp, St. Francis, White,
Woodruff
Illinois, United States of America, counties of:
Alexander, Bond, Clay, Clinton, Crawford, Edwards, Effingham, Fayette, Franklin, Gallatin,
Hamilton, Hardin, Jackson, Jasper, Jefferson, Johnson, Lawrence, Madison, Marion, Massac,
Monroe, Perry, Pope, Pulaski, Randolph, Richland, Saline, St. Clair, Union, Wabash, Washington,
Wayne, White, Williamson
Indiana, United States of America, counties of:
Gibson, Knox, Pike, Posey, Spencer, Vanderburgh, Warrick
Kentucky, United States of America, counties of:
Ballard, Caldwell, Calloway, Carlisle, Crittenden, Daviess, Fulton, Graves, Henderson, Hickman,
Hopkins, Livingston, Lyon, Marshall, McCracken, McLean, Muhlenberg, Trigg, Union, Webster
Mississippi, United States of America, counties of:
Alcorn, Benton, Coahoma, De Soto, Lafayette, Marshall, Panola, Quitman, Tate, Tippah, Tunica
Missouri, United States of America, counties of:
Bollinger, Butler, Cape Girardeau, Carter, Dunklin, Iron, Jefferson, Madison, Mississippi, New
Madrid, Oregon, Pemiscot, Perry, Reynolds, Ripley, Scott, Shannon, St. Francois, St. Louis, St.
Louis City, Ste. Genevieve, Stoddard, Washington, Wayne
Tennessee, United States of America, counties of:
Benton, Carroll, Chester, Crockett, Decatur, Dyer, Fayette, Gibson, Hardeman, Hardin, Haywood,
Henderson, Henry, Houston, Humphreys, Lake, Lauderdale, Madison, McNairy, Obion, Perry,
Shelby, Stewart, Tipton, Weakley
normal:
the condition that would have existed had no physical loss or damage happened.
normal cost:
the cost associated with the movement of goods or materials suffering the disruption that the
Insured would have incurred had no physical loss or damage causing disruption happened.
occurrence:
the sum total of all loss or damage of the type insured, including any insured TIME ELEMENT
loss, arising out of or caused by one discrete event of physical loss or damage, except as respects
the following:
A. terrorism: occurrence shall mean the sum total of all loss or damage of the type insured,
including any insured TIME ELEMENT loss, arising out of or caused by all acts of
terrorism during a continuous period of seventy-two (72) hours.
B. earth movement: occurrence shall mean the sum total of all loss or damage of the type
insured, including any insured TIME ELEMENT loss, arising out of or caused by all earth
movement(s) during a continuous period of seventy-two (72) hours.
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 67
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
off-premises data processing or data transmission services:
the storage or processing of data performed off-premises of the Insured’s property, including the
transmission of voice, data or video over a single, or combination of, computer or communication
networks.
Pacific Northwest Seismic Zone:
Oregon, United States of America, counties of:
Benton, Clackamas, Clatsop, Columbia, Coos, Curry, Douglas, Hood River, Jackson, Josephine,
Klamath, Lane, Lincoln, Linn, Marion, Multnomah, Polk, Tillamook, Washington, Yamhill
Washington, United States of America, counties of:
Chelan, Clallam, Clark, Cowlitz, Grays Harbor, Island, Jefferson, King, Kitsap, Kittitas, Lewis,
Mason, Pacific, Pierce, San Juan, Skagit, Skamania, Snohomish, Thurston, Wahkiakum, Whatcom
British Columbia (includes Vancouver Island), Canada:
South of 50° N latitude and west of 120° W longitude
period of operational testing:
the period of time beginning 24 hours prior to the earlier of the following:
A. introduction, into a system, of feedstock or other materials for processing or handling;
B. commencement of fuel or energy supply to a system,
and ending with the earlier of the following:
A. the expiration date or cancellation date of this Policy.
B. if specified, the number of consecutive days shown in the LIMITS OF LIABILITY clause in
the DECLARATIONS section.
physical loss or damage to electronic data, programs or software:
the destruction, distortion or corruption of electronic data, programs or software.
representative company(ies):
Factory Mutual Insurance Company or FM Insurance Europe S.A.; Affiliated FM Insurance
Company; Appalachian Insurance Company or any other company issuing a local policy at the
direction of the Company.
soft costs:
costs over and above those that are normal at an insured location undergoing renovation or in the
course of construction, limited to the following:
A. construction loan fees - the additional cost incurred to rearrange loans necessary for the
completion of construction, repairs or reconstruction including; the cost to arrange
refinancing, accounting work necessary to restructure financing, legal work necessary to
prepare new documents, charges by the lenders for the extension or renewal of loans
necessary.
NOT BOUND UNTIL FULLY EXECUTED
Account No. 86617
Policy No. 1166430
(2021 United States) - Printed 10-Apr-2026 Page 68
FM Advantage™ ©2024 Factory Mutual Insurance Company. All rights reserved.
B. commitment fees, leasing and marketing expenses - the cost of returning any commitment
fees received from prospective tenant(s) or purchaser(s), the cost of re-leasing and marketing
due to loss of tenant(s) or purchaser(s).
C. additional fees for architects, engineers, consultants, attorneys and accountants needed for
the completion of construction, repairs or reconstruction.
D. property taxes, building permits, additional interest on loans, realty taxes and insurance
premiums.
terrorism:
any act, involving the use or threat of: force, violence, dangerous conduct, interference with the
operations of any business, government or other organization or institution, or any similar act,
when the effect or apparent purpose is:
A. to influence or instill fear in any government (de jure or de facto) or the public, or any
segment of either; or
B. to further or to express support for, or opposition to, any political, religious, social,
ideological or similar type of objective or position.
transmission and distribution systems:
transmission and distribution systems including but not limited to electricity, gas, fuel, steam,
water, refrigeration, sewerage, voice, data, and video. Such systems shall include poles, towers and
fixtures, overhead conductors and devices, underground and underwater conduit, underground and
underwater conductors and devices, line transformers, service meters, street lighting and signal
systems.
valuable papers and records:
written, printed or otherwise inscribed documents and records, including books, maps, films,
drawings, abstracts, deeds, mortgages and manuscripts, all of which must be of value to the
Insured.
wind:
direct action of wind including substance driven by wind. Wind does not mean or include
anything defined as flood in this Policy.
NOT BOUND UNTIL FULLY EXECUTED
Location No. Index No. Name Street Address City County Postal Code
001 Office Of Neighborhood Safety
And Engagement / Fleet Fueling
100 42nd Street Northeast Washington District of Columbia 20019-4595
002 Bridges And Briya Public Charter
Schools
100 Gallatin Street Northeast Washington District of Columbia 20011-7517
Bald Eagle Recreation Center 100 Joliet Street Southwest Washington District of Columbia 20032-1801
Bald Eagle Recreation Center -
Boxing Annex
100 Joliet St SW Washington District of Columbia 20032-1801
005 Capital City Public Charter School
- High School
100 Peabody Street Northwest Washington District of Columbia 20011-2212
006 Benning Stoddert Recreation
Center
100 Stoddert Place Southeast Washington District of Columbia 20019-3301
007 Youth Rehabilitation Building 1000 Mount Olivet Road Northeast Washington District of Columbia 20002-2210
008 Tyler Elementary School 1001 G Street Southeast Washington District of Columbia 20003-2821
009 Dmv Inspection Station 1001 Half Street Southwest Washington District of Columbia 20024-3611
010 Luke C. Moore High School 1001 Monroe Street Northeast Washington District of Columbia 20017-1761
011 Engine Company 33 101 Atlantic Street Southeast Washington District of Columbia 20032-3035
012 First District Station 101 M Street Southwest Washington District of Columbia 20024-3609
013 Langley Elementary School 101 T Street Northeast Washington District of Columbia 20002-1519
014 Engine Company 16 1018 13th Street Northwest Washington District of Columbia 20005-4008
016 Houston Elementary School 1100 50th Place Northeast Washington District of Columbia 20019-4097
017 Turkey Thicket Recreation Center 1100 Michigan Avenue Northeast Washington District of Columbia 20017-1803
019 Walker-Jones Education Campus 1125 New Jersey Avenue Northwest Washington District of Columbia 20001-1365
020 New Lacasa 1131 Spring Road Northwest Washington District of Columbia 20010-1421
021 Van Ness Elementary School 1150 5th Street Southeast Washington District of Columbia 20003-3485
022 Residential Apartment Building 117 Wayne Place Southeast Washington District of Columbia 20032-6113
023 Thomson Elementary School 1200 L Street Northwest Washington District of Columbia 20005-4037
024 Garrison Elementary School 1200 S Street Northwest Washington District of Columbia 20009-4328
025 Sumner School Museum And
Archives
1201 17th Street Northwest Washington District of Columbia 20036-3009
026 Lincoln Theatre 1215 U Street Northwest Washington District of Columbia 20009-4442
027 Engine Company 17 1227 Monroe Street Northeast Washington District of Columbia 20017-2508
028 Barry Farm Recreation Center 1230 Sumner Road Southeast Washington District of Columbia 20020-5918
029 Maury Elementary School 1250 Constitution Avenue Northeast Washington District of Columbia 20002-6469
Wheatley Education Campus 1299 Neal Street Northeast Washington District of Columbia 20002-3800
Joseph H Cole Rec Center 1299 Neal St NE Washington District of Columbia 20002-3809
033 Lorraine H. Whitlock Elementary
School
1300 44th Street Northeast Washington District of Columbia 20019-1979
034 New York Avenue Men'S
Emergency Shelter
1357 New York Avenue NE Washington District of Columbia 20002-1620
035 Engine Company 6 1300 New Jersey Avenue Northwest Washington District of Columbia 20001-1228
036 Brightwood Elementary School 1300 Nicholson Street Northwest Washington District of Columbia 20011-2899
038 Trinidad Recreation Center 1310 Childress Street Northeast Washington District of Columbia 20002-2504
039 District Of Columbia Office Of
Public Records (Archives)
1300 Naylor Court NW Washington District of Columbia 20001-4226
SCHEDULE OF LOCATIONS, APPENDIX A Account No. 86617
Policy No. 1166430
State/Province Country
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
003
032
Page 1 of 15
NOT BOUND UNTIL FULLY EXECUTED
Location No. Index No. Name Street Address City County Postal Code
SCHEDULE OF LOCATIONS, APPENDIX A Account No. 86617
Policy No. 1166430
State/Province Country
040 Dgs Boiler Plant Operations
Warehouse
1325 S St NW Washington District of Columbia 20009-4329
041 Fort Stevens Recreation Center 1327 Van Buren Street Northwest Washington District of Columbia 20012-2929
043 North Michigan Recreation Center 1333 Emerson Street Northeast Washington District of Columbia 20017-2800
045 1338 G Street Se Rear 1338 G Street Southeast Washington District of Columbia 20003-3096
046 Old Fems Truck Company 1338 Park Road Northwest Washington District of Columbia 20010-2308
048 Engine Company 26 1340 Rhode Island Avenue Northeast Washington District of Columbia 20018-3707
049 Engine Company 10 1342 Florida Avenue Northeast Washington District of Columbia 20002-7108
Deanwood Recreation Center 1350 49th Street Northeast Washington District of Columbia 20019-3955
Deanwood Neighborhood Library 1350 49th St NE Washington District of Columbia 20019-3955
052 100589.75 John A. Wilson Building 1350 Pennsylvania Avenue Northwest Washington District of Columbia 20004-3089
053 Powell Elementary School 1350 Upshur Street Northwest Washington District of Columbia 20011-5635
055 Kipp Dc School Building - Webb
Campus
1375 Mount Olivet Road Northeast Washington District of Columbia 20002-2509
056 Fort Davis Recreation Center 1400 41st Street Southeast Washington District of Columbia 20020-6002
057 John Hayden Johnson Middle
School
1400 Bruce Place Southeast Washington District of Columbia 20020-2916
058 Kennedy Recreation Center 1401 7th Street Northwest Washington District of Columbia 20001-3331
059 Bunker Hill Elementary School 1401 Michigan Avenue Northeast Washington District of Columbia 20017-2735
061 Mary Mcleod Bethune Day
Academy Public Charter School
1404 Jackson Street Northeast Washington District of Columbia 20017-2995
062 Girard Family Shelter 1413 Girard Street Northwest Washington District of Columbia 20009-4611
063 Columbia Heights Community
Center
1480 Girard Street Northwest Washington District of Columbia 20009-4612
064 Malcolm X Elementary School @
Green
1500 Mississippi Avenue Southeast Washington District of Columbia 20032-4431
065 Seaton Elementary School 1503 10th Street Northwest Washington District of Columbia 20001-3217
066 Engine Company 8 1520 C Street Southeast Washington District of Columbia 20003-2432
068 Moten Elementary School 1565 Morris Road Southeast Washington District of Columbia 20020-4435
069 Anacostia High School 1601 16th Street Southeast Washington District of Columbia 20020-5503
070 Engine Company 9 1617 U Street Northwest Washington District of Columbia 20009-6211
071 Third District Headquarters 1620 V Street Northwest Washington District of Columbia 20009-2691
073 Stead Recreation Center 1625 P Street Northwest Washington District of Columbia 20036-1403
075 Shaw/Watha T. Daniel
Neighborhood Library
1630 7th Street Northwest Washington District of Columbia 20001-3249
076 Mpd Evidence Control Facility 17 Dc Village Lane Southwest Washington District of Columbia 20032-5206
078 Eastern Senior High School 1700 East Capitol Street Northeast Washington District of Columbia 20003-1622
079 Kramer Middle School 1700 Q Street Southeast Washington District of Columbia 20020-5518
080 The Sterling Short Term Housing
Facility
1700 Rhode Island Avenue Northeast Washington District of Columbia 20018-1898
Rosedale Neighborhood Library 1701 Gales Street Northeast Washington District of Columbia 20002-7205
Rosedale Recreation Center 1701 Gales St NE Washington District of Columbia 20002-7205
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
051
081
Page 2 of 15
NOT BOUND UNTIL FULLY EXECUTED
Location No. Index No. Name Street Address City County Postal Code
SCHEDULE OF LOCATIONS, APPENDIX A Account No. 86617
Policy No. 1166430
State/Province Country
082 Family Shelter 1701-1711 V Street Southeast Washington District of Columbia 20020-4220
083 Lemuel Penn Center - Dc
Advanced Technical Center
1709 3rd Street Northeast Washington District of Columbia 20002-2125
084 Dcps Offices 1720 1st Street Northeast Washington District of Columbia 20002-2112
085 Emery Shelter 1725 Lincoln Road Northeast Washington District of Columbia 20002-2115
086 West Virginia Ave - Dpw Fleet
And Parking Services
1725 15th Street Northeast Washington District of Columbia 20002-1846
087 Ross Elementary School 1730 R Street Northwest Washington District of Columbia 20009-2410
089 Harry Thomas Recreation Center 1743 Lincoln Road Northeast Washington District of Columbia 20002-2115
090 100605.20 Bancroft Elementary School 1755 Newton Street Northwest Washington District of Columbia 20010-1830
091 Engine Company 21 1763 Lanier Place Northwest Washington District of Columbia 20009-2119
092 Anacostia Recreation Center 1800 Anacostia Drive Southeast Washington District of Columbia 20020-6725
094 Perry Street Prep Public Charter
School, Lower And Upper
1800 Perry Street Northeast Washington District of Columbia 20018-2742
097 Fifth District Police Station 1805 Bladensburg Road Northeast Washington District of Columbia 20002-1893
098 Fort Stanton Park - Recreation
Center
1812 Erie Street Southeast Washington District of Columbia 20020-6317
099 Hardy Middle School 1819 35th Street Northwest Washington District of Columbia 20007-2332
100 Burroughs Elementary School 1820 Monroe Street Northeast Washington District of Columbia 20018-2736
101 Cleveland Elementary School 1825 8th Street Northwest Washington District of Columbia 20001-3113
102 West Virginia Ave - Dpw Tire
And Tow
1827 West Virginia Avenue Northeast Washington District of Columbia 20002-1827
103 Eliot-Hine Middle School 1830 Constitution Avenue Northeast Washington District of Columbia 20002-6628
104 West Virginia Ave - Dpw Heavy
Fleet Maintenance
1833 West Virginia Avenue Northeast Washington District of Columbia 20002-1827
106 West Virginia Ave - Ddot
Warehouse
1835 West Virginia Avenue Northeast Washington District of Columbia 20002-1827
111 Langdon Elementary School 1900 Evarts Street Northeast Washington District of Columbia 20018-1350
100605.06 Dcgh Building No.14 1900 Massachusetts Avenue Southeast Washington District of Columbia 20003-2595
100605.06 Dcgh Building No.15 1900 Massachusetts Avenue SE Washington District of Columbia 20003-2542
100605.06 Dcgh Building No.25 1900 Massachusetts Avenue SE Washington District of Columbia 20003-2542
100605.06 Dcgh Building No.12 1900 Massachusetts Avenue SE Washington District of Columbia 20003-2542
100605.06 Dcgh Building No.11 (Laboratory) 1900 Massachusetts Avenue SE Washington District of Columbia 20003-2542
100605.06 Dcgh Core Building No.6
(Warehouse)
1900 Massachusetts Avenue SE Washington District of Columbia 20003-2542
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
112
Page 3 of 15
NOT BOUND UNTIL FULLY EXECUTED
Location No. Index No. Name Street Address City County Postal Code
SCHEDULE OF LOCATIONS, APPENDIX A Account No. 86617
Policy No. 1166430
State/Province Country
100605.06 Dcgh Building No.7 - Power Plant 1900 Massachusetts Avenue SE Washington District of Columbia 20003-2542
100605.06 Dcgh Building No.13 -
Comprehensive Treatment Center
1900 Massachusetts Avenue SE Washington District of Columbia 20003-2542
100605.06 Dcgh Building No.16 - Anne
Archibold Hall
1900 Massachusetts Avenue SE Washington District of Columbia 20003-2542
100605.06 Dcgh Core Building No.5
(Hospital Kitchen)
1900 Massachusetts Avenue SE Washington District of Columbia 20003-2542
100605.06 Dcgh Building No.17 - Re-Entry
And Sanctions Center
1900 Massachusetts Avenue SE Washington District of Columbia 20003-2542
100605.06 Dcgh Building No.8 (Warehouse) 1900 Massachusetts Avenue SE Washington District of Columbia 20003-2542
Harriet Tubman Women'S Shelter -
Dcgh Building 27
1910 Massachusetts Avenue SE Washington District of Columbia 20003-2542
113 100604.99 Dc Central Detention Facility 1901 D Street Southeast Washington District of Columbia 20003-2581
114 Model Cities Senior Wellness
Center
1901 Evarts Street Northeast Washington District of Columbia 20018-1300
115 Ketcham Elementary School 1919 15th Street Southeast Washington District of Columbia 20020-4818
116 Lamond Recreation Center 20 Tuckerman Street Northeast Washington District of Columbia 20011-1414
117 Dc Water Warehouse Building 200 Bryant Street Northwest Washington District of Columbia 20001-1041
118 100605.12 Franklin D Reeves Municipal
Center
2000 14th Street Northwest Washington District of Columbia 20009-4473
119 Dpw Bryant Street Auto Repair
Garage
201 Bryant Street Northwest Washington District of Columbia 20001-1705
120 King Greenleaf Recreation Center 201 N Street Southwest Washington District of Columbia 20024-3533
121 Oyster-Adams Bilingual School
(Adams Campus)
2020 19th Street Northwest Washington District of Columbia 20009-1308
122 Engine Company 15 2101 14th Street Southeast Washington District of Columbia 20020-4801
123 Fifth Street Bus Terminal 2115 5th Street Northeast Washington District of Columbia 20002-1290
124 Engine Company 23 2119 G Street Northwest Washington District of Columbia 20037-2731
United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
112
Page 4 of 15
NOT BOUND UNTIL FULLY EXECUTED
Location No. Index No. Name Street Address City County Postal Code
SCHEDULE OF LOCATIONS, APPENDIX A Account No. 86617
Policy No. 1166430
State/Province Country
125 School Without Walls High
School
2130 G Street Northwest Washington District of Columbia 20037-2703
126 Capitol Hill Montessori School @
Logan
215 G Street Northeast Washington District of Columbia 20002-4981
127 Mpd Fleet Management 2175 West Virginia Avenue Northeast Washington District of Columbia 20002-1833
128 Nalle Elementary School 219 50th Street Southeast Washington District of Columbia 20019-7606
100605.07 Dgs Workshops And Warehouse 2200 Adams Place Northeast Washington District of Columbia 20018-3601
100605.07 Adams Place Fleet Fueling 2000 Adams Pl NE Washington District of Columbia 20018-3627
130 Marie Reed Recreation Center 2200 Champlain Street Northwest Washington District of Columbia 20009-2618
131 Lawrence E. Boone Elementary
School
2200 Minnesota Avenue Southeast Washington District of Columbia 20020-5398
132 Engine Company 12 2225 5th Street Northeast Washington District of Columbia 20002-1227
133 Engine Company 1 2225 M Street Northwest Washington District of Columbia 20037-1416
134 Eastern Market - North Hall 225 7th Street Southeast Washington District of Columbia 20003-4323
138 Savoy Elementary School 2400 Shannon Place Southeast Washington District of Columbia 20020-5898
139 Arboretum Recreation Center 2412 Rand Place Northeast Washington District of Columbia 20002-1954
140 Engine Company 32 2425 Irving Street Southeast Washington District of Columbia 20020-2719
141 100615.65 2425 N Street Nw 2425 N Street Northwest Washington District of Columbia 20037-1119
142 Garfield Elementary School 2435 Alabama Avenue Southeast Washington District of Columbia 20020-2795
143 Seventh District Police Station 2455 Alabama Avenue Southeast Washington District of Columbia 20020-2727
144 Rita Bright Family & Youth
Center
2500 14th Street Northwest Washington District of Columbia 20009-6953
145 Banneker Community Center 2500 Georgia Avenue Northwest Washington District of Columbia 20001-2204
147 Excel Academy 2501 Martin Luther King Jr Avenue
Southeast
Washington District of Columbia 20020-5209
148 H.D. Cooke Elementary School 2525 17th Street Northwest Washington District of Columbia 20009-2830
149 Engine Company 4 2531 Sherman Avenue Northwest Washington District of Columbia 20001-2233
150 Kipp Aim Academy Public
Charter School
2600 Douglass Place Southeast Washington District of Columbia 20020-4419
151 Family Shelter #1 2601 Naylor Road Southeast Washington District of Columbia 20020-7257
152 Family Shelter #2 2603 Naylor Road Southeast Washington District of Columbia 20020-7258
154 Andrus House Group
Homewashington Center For
Aging
2635 18th Street Northeast Washington District of Columbia 20018-1301
St Elizabeth Garage 2700 Martin Luther King Jr Avenue
Southeast
Washington District of Columbia 20032-2601
St Elizabeths Horse Stable 2700 Martin Luther King Jr Avenue SE Washington District of Columbia 20032-2601
801 East Men'S Shelter - Building
C
2700 Martin Luther King Jr Avenue SE Washington District of Columbia 20032-2601
801 East Men'S Shelter - Building
A
2700 Martin Luther King Jr Avenue SE Washington District of Columbia 20032-2601
801 East Men'S Shelter - Building
B
2700 Martin Luther King Jr Avenue SE Washington District of Columbia 20032-2601
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
129 District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
155
Page 5 of 15
NOT BOUND UNTIL FULLY EXECUTED
Location No. Index No. Name Street Address City County Postal Code
SCHEDULE OF LOCATIONS, APPENDIX A Account No. 86617
Policy No. 1166430
State/Province Country
Stanton Elementary School -
Annex Building
2701 Naylor Road Southeast Washington District of Columbia 20020-7242
Stanton Elementary School 2701 Naylor Rd SE Washington District of Columbia 20020-7242
Unified Communications Center 2720 Martin Luther King Jr Avenue
Southeast
Washington District of Columbia 20032-2601
Ouc Annex Building 2720 Martin Luther King Jr Avenue SE Washington District of Columbia 20032-2601
159 Noyes Elementary School 2725 10th Street Northeast Washington District of Columbia 20018-1754
162 Oyster-Adams Bilingual School 2801 Calvert Street Northwest Washington District of Columbia 20008-2666
163 Engine Company 19 2813 Pennsylvania Avenue Southeast Washington District of Columbia 20020-3834
167 Washington Metropolitan High
School
300 Bryant Street Northwest Washington District of Columbia 20001-1708
168 Edgewood Recreation Center 300 Franklin Street Northeast Washington District of Columbia 20017-1344
Takoma Community Center 300 Van Buren Street Northwest Washington District of Columbia 20012-2717
Takoma Aquatic Center 300 Van Buren St NW Washington District of Columbia 20012-2717
171 Washington Senior Wellness
Center
3001 Alabama Avenue Southeast Washington District of Columbia 20020-3007
172 Kelly Miller Middle School 301 49th Street Northeast Washington District of Columbia 20019-4706
173 C.W. Harris Elementary School 301 53rd Street Southeast Washington District of Columbia 20019-6373
174 Brent Elementary School 301 North Carolina Avenue Southeast Washington District of Columbia 20003-2004
175 Joy Evans Therapeutic Recreation
Center
3030 G Street Southeast Washington District of Columbia 20019-1116
177 Hattie Holmes Senior Wellness
Center
310 Kennedy Street Northwest Washington District of Columbia 20011-6512
178 Hillcrest Recreation Center 3100 Denver Street Southeast Washington District of Columbia 20020-1424
179 Tubman Elementary School 3101 13th Street Northwest Washington District of Columbia 20010-2407
180 Columbia Heights Education
Campus
3101 16th Street Northwest Washington District of Columbia 20010-3382
181 Mt. Pleasant Neighborhood
Library
3160 16th Street Northwest Washington District of Columbia 20010-3383
183 Martin Luther King Jr. Elementary
School
3200 6th Street Southeast Washington District of Columbia 20032-3801
186 Theodore Hagans Cultural Center
At Fort Lincoln Park
3201 Fort Lincoln Drive Northeast Washington District of Columbia 20018-4339
187 Engine Company 25 3203 Martin Luther King Jr Avenue
Southeast
Washington District of Columbia 20032-1539
188 Hyde-Addison Elementary School 3219 O Street Northwest Washington District of Columbia 20007-2859
189 Dcps Head Start/Unity Health 3240 Stanton Road Southeast Washington District of Columbia 20020-2910
191 Turner Elementary School 3264 Stanton Road Southeast Washington District of Columbia 20020-2910
192 Jelleff Recreation Center 3265 S Street Northwest Washington District of Columbia 20007-2945
193 003441.03 Kipp Dc Public Charter School -
Somerset College Preparatory
3301 Wheeler Road Southeast Washington District of Columbia 20032-4129
194 Cleveland Park Neighborhood
Library
3310 Connecticut Avenue Northwest Washington District of Columbia 20008-1301
195 Second District Police Station 3320 Idaho Avenue Northwest Washington District of Columbia 20016-3798
197 Kimball Elementary School 3375 Minnesota Avenue Southeast Washington District of Columbia 20019-2238
198 100605.15 Ballou High School 3401 4th Street Southeast Washington District of Columbia 20032-5406
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
157
158
170
Page 6 of 15
NOT BOUND UNTIL FULLY EXECUTED
Location No. Index No. Name Street Address City County Postal Code
SCHEDULE OF LOCATIONS, APPENDIX A Account No. 86617
Policy No. 1166430
State/Province Country
200 Engine Company 5 3412 Dent Place Northwest Washington District of Columbia 20007-2714
201 Transitional Housing 342 37th Street Southeast Washington District of Columbia 20019-3108
202 Engine Company 11 3420 14th Street Northwest Washington District of Columbia 20010-3401
203 Department Of Behavioral Health 35 K Street Northeast Washington District of Columbia 20002-4216
206 100605.21 Duke Ellington School Of The
Arts
3500 R Street Northwest Washington District of Columbia 20007-2384
207 Engine Company 28 3522 Connecticut Avenue Northwest Washington District of Columbia 20008-2401
208 Bernice Fonteneau Senior
Wellness Center
3531 Georgia Avenue Northwest Washington District of Columbia 20010-1707
209 Bruce-Monroe Elementary School
@ Park View
3560 Warder Street Northwest Washington District of Columbia 20010-1700
210 Beers Elementary School 3600 Alabama Avenue Southeast Washington District of Columbia 20020-2426
212 Sousa Middle School 3650 Ely Place Southeast Washington District of Columbia 20019-3039
213 Francis A. Gregory Neighborhood
Library
3660 Alabama Avenue Southeast Washington District of Columbia 20020-2499
215 Deal Middle School 3815 Fort Drive Northwest Washington District of Columbia 20016-1870
216 Benning/Dorothy I. Height
Neighborhood Library
3935 Benning Road Northeast Washington District of Columbia 20019-3402
Hearst Elementary School 3950 37th Street Northwest Washington District of Columbia 20008-3199
Hearst Park Recreation Center 3950 37th St NW Washington District of Columbia 20008-3101
218 100605.16 Jackson-Reed High School 3950 Chesapeake Street Northwest Washington District of Columbia 20016-1858
220 Watkins Recreation Center 400 12th Street Southeast Washington District of Columbia 20003-2208
221 Stoddert Elementary School 4001 Calvert Street Northwest Washington District of Columbia 20007-1646
222 100589.88 Consolidated Forensic Lab 401 E Street Southwest Washington District of Columbia 20024-3242
223 Farragut Salt Dome 401 Farragut Street Northwest Washington District of Columbia 20011-6115
224 Amidon-Bowen Elementary
School
401 I Street Southwest Washington District of Columbia 20024-4438
225 Simon Elementary School 401 Mississippi Avenue Southeast Washington District of Columbia 20032-5421
226 Does Garage 4056 Minnesota Avenue Northeast Washington District of Columbia 20019-3540
228 Juvenile Court Building C 410 E Street Northwest Washington District of Columbia 20001-2729
229 Janney Elementary School 4130 Albemarle Street Northwest Washington District of Columbia 20016-2106
230 Engine Company 18 414 8th Street Southeast Washington District of Columbia 20003-2914
231 Takoma Park Neighborhood
Library
416 Cedar Street Northwest Washington District of Columbia 20012-1989
232 Watkins Elementary School 420 12th Street Southeast Washington District of Columbia 20003-2208
233 Petworth Neighborhood Library 4200 Kansas Avenue Northwest Washington District of Columbia 20011-7294
234 Leckie Education Campus 4201 Martin Luther King Jr Avenue
Southwest
Washington District of Columbia 20032-1328
235 Historic Engine Company 4201 Minnesota Avenue Northeast Washington District of Columbia 20019-2706
237 Federal City Shelter 425 2nd Street Northwest Washington District of Columbia 20001-2037
238 Peabody Elementary School 425 C Street Northeast Washington District of Columbia 20002-5817
239 Hendley Elementary School 425 Chesapeake Street Southeast Washington District of Columbia 20032-3602
240 District Department Of The
Environment
427 New Jersey Avenue Northwest Washington District of Columbia 20001-2001
241 Safe Shores Child Advocacy
Center
429 O Street Northwest Washington District of Columbia 20001-4619
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
217
Page 7 of 15
NOT BOUND UNTIL FULLY EXECUTED
Location No. Index No. Name Street Address City County Postal Code
SCHEDULE OF LOCATIONS, APPENDIX A Account No. 86617
Policy No. 1166430
State/Province Country
Barnard Elementary School 430 Decatur Street Northwest Washington District of Columbia 20011-4745
Barnard Elementary School -
Portable #1
430 Decatur St NW Washington District of Columbia 20011-4745
243 Sharpe Health School 4300 13th Street Northwest Washington District of Columbia 20011-5692
245 Engine Company 20 4300 Wisconsin Avenue Northwest Washington District of Columbia 20016-2140
247 Engine Company 3 439 New Jersey Avenue Northwest Washington District of Columbia 20001-2001
248 Patterson Elementary School 4399 South Capitol Terrace Southwest Washington District of Columbia 20032-2207
249 Smothers Elementary School 4400 Brooks Street Northeast Washington District of Columbia 20019-4605
250 Macfarland Middle School 4400 Iowa Avenue Northwest Washington District of Columbia 20011-5604
251 100597.26 Marion S. Barry, Jr. Building 441 4th Street Northwest Washington District of Columbia 20001-2714
253 Mann Elementary School 4430 Newark Street Northwest Washington District of Columbia 20016-2726
255 Tenley-Friendship Neighborhood
Library
4450 Wisconsin Avenue Northwest Washington District of Columbia 20016-2142
256 John Fox Slater School 45 P Street Northeast Washington District of Columbia 20002-3331
258 Hardy Recreation Center 4500 Q Street Northwest Washington District of Columbia 20007-2536
260 100035.33 Ingenuity Prep Public Charter
School
4600 Livingston Road Southeast Washington District of Columbia 20032-3136
Fire And Ems Training Academy 4600 Shepherd Parkway Southwest Washington District of Columbia 20032-5211
Fire And Ems Training Academy -
Office Building
4600 Shepherd Pkwy SW Washington District of Columbia 20032-5211
262 Plummer Elementary School 4601 Texas Avenue Southeast Washington District of Columbia 20019-4121
263 Engine Company 14 4801 North Capitol Street Northeast Washington District of Columbia 20011-6705
264 100605.19 Murch Elementary School 4810 36th Street Northwest Washington District of Columbia 20008-4900
265 Fort Totten Solid Waste Station 4900 Bates Road Northeast Washington District of Columbia 20011-7502
267 Palisades Neighborhood Library 4901 V Street Northwest Washington District of Columbia 20007-1549
270 Engine Company 31 4930 Connecticut Avenue Northwest Washington District of Columbia 20008-2021
271 Engine Company 30 50 49th Street Northeast Washington District of Columbia 20019-5229
272 First District Sub Police Station 500 E Street Southeast Washington District of Columbia 20003-4235
274 Hayes Senior Wellness Center 500 K Street Northeast Washington District of Columbia 20002-3526
275 Capitol View Neighborhood
Library
5001 Central Avenue Southeast Washington District of Columbia 20019-6499
276 Key Elementary School 5001 Dana Place Northwest Washington District of Columbia 20016-3499
278 Mpd 6Th District Headquarters 5002 Hayes Street Northeast Washington District of Columbia 20019-4875
279 Mpd Traffic Division 501 New York Avenue Northwest Washington District of Columbia 20001-3632
Lasalle-Backus Elementary School 501 Riggs Road Northeast Washington District of Columbia 20011-2504
Riggs-Lasalle Community Center 501B Riggs Rd NE Washington District of Columbia 20011-2517
281 Woody Ward Recreation Center 5100 Southern Avenue Southeast Washington District of Columbia 20019-5848
282 Engine Company 24 5101 Georgia Avenue Northwest Washington District of Columbia 20011-3921
283 100615.63 Udc - Lamond-Riggs Campus -
Building 54
5171 South Dakota Avenue Northeast Washington District of Columbia 20017-2311
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
242
261
280
Page 8 of 15
NOT BOUND UNTIL FULLY EXECUTED
Location No. Index No. Name Street Address City County Postal Code
SCHEDULE OF LOCATIONS, APPENDIX A Account No. 86617
Policy No. 1166430
State/Province Country
284 Washington Latin Public Charter
(Rudolph)
5200 2nd Street Northwest Washington District of Columbia 20011-6622
286 Aiton Elementary School 533 48th Place Northeast Washington District of Columbia 20019-4751
287 Lamond-Riggs/Lillian J. Huff
Neighborhood Library
5401 South Dakota Avenue Northeast Washington District of Columbia 20011-2668
288 Harbor Patrol - Mpd/Fems And
Fueling Station
550 Water Street Southwest Washington District of Columbia 20024-2399
291 Drew Elementary School 5600 Eads Street Northeast Washington District of Columbia 20019-6919
292 Maya Angelou Learning Center 5600 East Capitol Street Northeast Washington District of Columbia 20019-6732
293 Chevy Chase Community Center 5601 Connecticut Avenue Northwest Washington District of Columbia 20015-2603
294 Dc Scholars Public Charter School 5601 East Capitol Street Southeast Washington District of Columbia 20019-6797
295 Chevy Chase Neighborhood
Library
5625 Connecticut Avenue Northwest Washington District of Columbia 20015-2686
296 Lafayette Elementary School 5701 Broad Branch Road Northwest Washington District of Columbia 20015-2541
299 Paul Public Charter School -
International High School
5800 8th Street Northwest Washington District of Columbia 20011-1900
302 Fourth District Police Station 6001 Georgia Avenue Northwest Washington District of Columbia 20011-5194
303 Miner Elementary School 601 15th Street Northeast Washington District of Columbia 20002-4599
304 100605.13 Charles Hart Middle School 601 Mississippi Avenue Southeast Washington District of Columbia 20032-3862
Whittier Elementary School -
Expansion Wing
6201 5th Street Northwest Washington District of Columbia 20011-1339
Whittier Elementary School 6201 5th St NW Washington District of Columbia 20011-1336
306 Marvin Gaye Recreation Center 6201 Banks Place Northeast Washington District of Columbia 20019-7915
307 100605.17 Coolidge High School 6315 5th Street Northwest Washington District of Columbia 20011-1325
308 Blair Homeless Shelter 635 I Street Northeast Washington District of Columbia 20002-4349
309 William Rumsey Sr Aquatic
Center
635 North Carolina Avenue Southeast Washington District of Columbia 20003-4309
310 Sherwood Recreation Center 640 10th Street Northeast Washington District of Columbia 20002-5316
311 Gales Housing For Women 65 Massachusetts Avenue Northwest Washington District of Columbia 20001-1431
312 Thomas Elementary School 650 Anacostia Avenue Northeast Washington District of Columbia 20019-1596
313 Dhs Madison Shelter 651 10th Street Northeast Washington District of Columbia 20002-5396
314 Ludlow-Taylor Elementary School 659 G Street Northeast Washington District of Columbia 20002-3649
315 J.O. Wilson Elementary School 660 K Street Northeast Washington District of Columbia 20002-3530
317 Southeast Tennis & Learning
Center
701 Mississippi Avenue Southeast Washington District of Columbia 20032-4107
318 Takoma Elementary School 7010 Piney Branch Road Northwest Washington District of Columbia 20012-2499
319 Phelps Ace High School 704 26th Street Northeast Washington District of Columbia 20002-3266
320 Shepherd Park/Juanita E.
Thornton Neighborhood Library
7420 Georgia Avenue Northwest Washington District of Columbia 20012-1700
321 Fourth District Substation 750 Park Road Northwest Washington District of Columbia 20010-1518
Shepherd Elementary School 7800 14th Street Northwest Washington District of Columbia 20012-1490
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
305
322
Page 9 of 15
NOT BOUND UNTIL FULLY EXECUTED
Location No. Index No. Name Street Address City County Postal Code
SCHEDULE OF LOCATIONS, APPENDIX A Account No. 86617
Policy No. 1166430
State/Province Country
Shepherd Park Community Center 7800 14th St NW Washington District of Columbia 20012-1464
323 School Without Walls @ Francis-
Stevens
800 Euclid Street Northwest Washington District of Columbia 20001-2296
324 Truesdell Elementary School 800 Ingraham Street Northwest Washington District of Columbia 20011-2904
326 Jefferson Middle School Academy 801 7th Street Southwest Washington District of Columbia 20024-2473
327 Burrville Elementary School 801 Division Avenue Northeast Washington District of Columbia 20019-5598
328 801 Shepherd Street Nw 801 Shepherd Street Northwest Washington District of Columbia 20011-5822
331 Dbh Behavioral Health Services 821 Howard Road Southeast Washington District of Columbia 20020-5805
334 Browne Education Campus 850 26th Street Northeast Washington District of Columbia 20002-3262
335 The Aya Short Term Housing
Facility
850 Delaware Avenue Southwest Washington District of Columbia 20024-4208
336 Southwest Neighborhood Library 900 Wesley Place Southwest Washington District of Columbia 20024-4212
338 100589.77 Martin Luther King Jr. Memorial
Library
901 G Street Northwest Washington District of Columbia 20001-4531
339 Wahler Place Elementary School 908 Wahler Place Southeast Washington District of Columbia 20032-4098
340 Engine Company 24 - Ready
Reserve
915 Gallatin Street Northwest Washington District of Columbia 20011-3919
341 Raymond Elementary School 915 Spring Road Northwest Washington District of Columbia 20010-1538
342 School-Within-School @ Goding 920 F Street Northeast Washington District of Columbia 20002-5324
Hill Center At Old Naval Hospital 921 Pennsylvania Avenue Southeast Washington District of Columbia 20003-2141
Carriage House 921 Pennsylvania Avenue SE Washington District of Columbia 20003-2141
344 Dmv Southwest Service Center 95 M Street Southwest Washington District of Columbia 20024-3622
100605.11 Dunbar High School 101 N St NW Washington District of Columbia 20001-2377
100605.11 Dunbar Aquatic Center 101 N St NW Washington District of Columbia 20001-2377
100605.11 Dunbar High School - Bleachers,
Ticket Office, And Concession
Stand
101 N St NW Washington District of Columbia 20001-2377
100615.64 Mckinley Middle/Technology
High School
151 T St NE Washington District of Columbia 20002-1519
100615.64 Mckinley Middle/Technology
Science Lab
151 T St NE Washington District of Columbia 20002-1519
Randle Highlands Elementary
School
1650 30th St SE Washington District of Columbia 20020-3702
Randle Highlands Elementary
School - 2Nd Building
1650 30th St SE Washington District of Columbia 20020-3702
Street Cars 2550 Benning Rd NE Washington District of Columbia 20002-4806
Dc Street Car Barn And Training
Center
2550 Benning Rd NE Washington District of Columbia 20002-4806
Eagle Academy Public Charter
School - Congress Heights
Campus
3400 Wheeler Rd SE Washington District of Columbia 20032-4137
Eagle Academy Public Charter
School - Congress Heights
Campus - Library Building
3400 Wheeler Rd SE Washington District of Columbia 20032-4137
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
347 District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
349 District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
350
351
352
322
343
Page 10 of 15
NOT BOUND UNTIL FULLY EXECUTED
Location No. Index No. Name Street Address City County Postal Code
SCHEDULE OF LOCATIONS, APPENDIX A Account No. 86617
Policy No. 1166430
State/Province Country
Eagle Academy Public Charter
School - Congress Heights
Campus - Cafeteria Building
3400 Wheeler Rd SE Washington District of Columbia 20032-4137
Farragut Salt Dome - Outdoor
Pavilion
414 Farragut St NW Washington District of Columbia 20011-6115
Farragut Salt Dome -
Office/Locker Room
414 Farragut St NW Washington District of Columbia 20011-6115
002524.04 Udc - Building 47 - Athletic
Center
4200 Connecticut Avenue NW Washington District of Columbia 20008-1122
002524.04 Udc - Building 71 4250 Connecticut Avenue NW Washington District of Columbia 20008-1157
002524.04 Udc - Building 52 Garage 4340 Connecticut Avenue NW Washington District of Columbia 20008-2315
002524.04 Udc - Building 42 - School Of
Engineering & Applied Sciences
4200 Connecticut Avenue NW Washington District of Columbia 20008-1122
002524.04 Udc - Building 32 - School Of
Engineering & Applied Sciences /
Mathematics
4200 Connecticut Avenue NW Washington District of Columbia 20008-1122
002524.04 Udc - Building 56 - Student
Center
4200 Connecticut Avenue NW Washington District of Columbia 20008-1122
002524.04 Udc - Building 44 - College Of
Agriculture, Urban Sustainability,
& Environmental Sciences
4200 Connecticut Avenue NW Washington District of Columbia 20008-1122
002524.04 Udc - Building 43 - Power Plant 4200 Connecticut Avenue NW Washington District of Columbia 20008-1122
002524.04 Udc - Building 46W - Performing
Arts
4200 Connecticut Avenue NW Washington District of Columbia 20008-1122
002524.04 Udc - Building 40 - Van Ness
Parking Garage
4200 Connecticut Avenue NW Washington District of Columbia 20008-1122
002524.04 Udc - Building 46E - Theater Of
The Arts (Auditorium)
4200 Connecticut Avenue NW Washington District of Columbia 20008-1122
002524.04 Udc - Building 38 - School Of
Business & Public Administration
/ Campus Administration
4200 Connecticut Avenue NW Washington District of Columbia 20008-1122
002524.04 Udc - Building 39 -
Administration / Library
4200 Connecticut Avenue NW Washington District of Columbia 20008-1122
002524.04 Udc - Building 71 Garage 4250 Connecticut Avenue NW Washington District of Columbia 20008-1157
002524.04 Udc - Building 52 - David A
Clarke Law School
4340 Connecticut Avenue NW Washington District of Columbia 20008-2315
Seed Public Charter School - Ann
And Don Brown Hall
4300 C St SE Washington District of Columbia 20019-4100
Seed Public Charter School 4300 C St SE Washington District of Columbia 20019-4100
Seed Public Charter School -
George Preston Marshall Hall
4300 C St SE Washington District of Columbia 20019-4100
Seed Public Charter School -
Lewy Family Academic Building
4300 C St SE Washington District of Columbia 20019-4100
Mpd Police Academy 4665 Blue Plains Drive SW Washington District of Columbia 20032-5202
Mpd Police Academy - Annex 4665 Blue Plains Drive SW Washington District of Columbia 20032-5202
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
United States of America
District of Columbia United States of America
District of Columbia United States of America
355 District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
358
352
353
356
Page 11 of 15
NOT BOUND UNTIL FULLY EXECUTED
Location No. Index No. Name Street Address City County Postal Code
SCHEDULE OF LOCATIONS, APPENDIX A Account No. 86617
Policy No. 1166430
State/Province Country
Two Rivers Charter School -
Middle School
820 26th St NE Washington District of Columbia 20002-3262
Two Rivers Charter School -
Young Elementary School
820 26th St NE Washington District of Columbia 20002-3262
360 Brookland Middle School 1150 Michigan Avenue NE Washington District of Columbia 20017-1811
361 Reservoir Park Recreation Center
(Mcmillan)
10 Lower Service Court NW Washington District of Columbia 20001-6460
362 Old Benning Elementary School 100 41st St NE Washington District of Columbia 20019-3308
363 Arthur Capper Community Center 1000 5th St SE Washington District of Columbia 20003-3446
364 Thaddeus Stevens Early Learning
Center
1050 21st St NW Washington District of Columbia 20036-4904
365 St Elizabeths Hospital 1100 Alabama Avenue SE Washington District of Columbia 20032-4540
366 Carlos Rosario International
Public Charter School (Wilson
Teachers College Building) -
Harvard Street Campus
1100 Harvard St NW Washington District of Columbia 20009-5356
367 The Aston - Temporary Housing 1129 New Hampshire Avenue NW Washington District of Columbia 20052-0092
368 Bellevue/William O. Lockridge
Neighborhood Library
115 Atlantic St SW Washington District of Columbia 20032-1404
370 Butler Wyatt Clubhouse 120 M St NE Washington District of Columbia 20002-3388
371 100605.18 Cardozo Education Campus 1200 Clifton St NW Washington District of Columbia 20009-5217
372 Dhs Taylor Street Service Center 1207 Taylor St NW Washington District of Columbia 20011-5617
373 United Medical Center 1310 Southern Avenue SE Washington District of Columbia 20032-4623
374 1339 Green Court Nw 1339 Green Court NW Washington District of Columbia 20005-4191
375 United Medical Center Building 2 1350 Southern Avenue SE Washington District of Columbia 20032-4623
376 100615.68 Bard High School Early College
Dc
1351 Alabama Avenue SE Washington District of Columbia 20032-5047
377 Military Road Early Learning
Center
1375 Missouri Avenue NW Washington District of Columbia 20011-1862
378 The Terrell - Short Term Housing
Facility
1400 Clifton St NW Washington District of Columbia 20009-4505
379 La Casa (Men'S Shelter) 1444 Irving St NW Washington District of Columbia 20010-3097
380 Payne Elementary School 1445 C St SE Washington District of Columbia 20003-2486
381 Northwest One Neighborhood
Library
155 L St NW Washington District of Columbia 20001-2521
382 The Lab School'S Foxhall Campus
(Elementary)
1550 Foxhall Rd NW Washington District of Columbia 20007-2007
383 Benjamin Banneker High School 1600 9th St NW Washington District of Columbia 20001-3751
384 Anacostia Neighborhood Library 1800 Marion Barry Avenue SE Washington District of Columbia 20020-4613
385 Woodridge Neighborhood Library 1801 Hamlin St NE Washington District of Columbia 20018-2423
386 Dc Office Of Cable Television,
Film, Music, And Entertainment
1899 9th St NE Washington District of Columbia 20018-1001
387 Old Crummel School 1900 Gallaudet St NE Washington District of Columbia 20002-1718
388 Douglass Community Center 1922 Frederick Douglass Court SE Washington District of Columbia 20020-2850
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
359
Page 12 of 15
NOT BOUND UNTIL FULLY EXECUTED
Location No. Index No. Name Street Address City County Postal Code
SCHEDULE OF LOCATIONS, APPENDIX A Account No. 86617
Policy No. 1166430
State/Province Country
389 Inspired Teaching Public Charter
School At Alice And Ernestine
Shaed Elementary School
200 Douglas St NE Washington District of Columbia 20002-1080
390 043728.21 200 I Street Se 200 I St SE Washington District of Columbia 20003-3317
392 Roosevelt Stay At Garnet-
Patterson
2001 10th St NW Washington District of Columbia 20001-4007
393 Mg2 Parking Lot 2019 W Virginia Avenue NE Washington District of Columbia 20002-1831
394 2049 West Virginia Avenue, Ne 2049 W Virginia Avenue NE Washington District of Columbia 20002-1847
395 2100 Martin Luther King Jr
Avenue Se
2100 Martin Luther King Jr Avenue SE Washington District of Columbia 20020-5719
396 Dclb 2101 Martin Luther King Jr Avenue SE Washington District of Columbia 20020-5702
397 Meridian Public Charter School -
Elementary School
2120 13th St NW Washington District of Columbia 20009-4408
398 Marie H. Reed Elementary School 2201 18th St NW Washington District of Columbia 20009-1812
399 Lottery Board, Dyrs 2235 Shannon Pl SE Washington District of Columbia 20020-5738
400 Dc Infrastructure Academy 2330 Pomeroy Rd SE Washington District of Columbia 20020-3552
402 Meyer School Building 2501 11th St NW Washington District of Columbia 20001-3923
403 Stoddert Baptist Senior Home 2601 18th St NE Washington District of Columbia 20018-1301
404 Boys Club Of Washington Dc 261 17th St SE Washington District of Columbia 20003-1653
405 Lease # 0803 / 6Th District Sub 2701 Pennsylvania Avenue SE Washington District of Columbia 20020-3928
406 Police Department Office Of
Investigations & Compliance; Dc
Human Services
2850 New York Avenue NE Washington District of Columbia 20002-1949
407 Octo - Dc Net 2900 V St NE Washington District of Columbia 20018-1519
408 Langdon Park Community Center 2901 20th St NE Washington District of Columbia 20018-2405
409 Jackson Arts Center 3050 R St NW Washington District of Columbia 20007-2954
410 Ouc Public Safety
Communications Center -
Mcmillan
310 McMillan Drive NW Washington District of Columbia 20001-1032
411 Dcusa Garage 3100 14th St NW Ste 101 Washington District of Columbia 20010-2450
412 Udc - Congress Heights Campus -
Building 72
3100 Martin Luther King Jr Avenue SE Washington District of Columbia 20032-1511
413 Dcfems Control Medications
Office
3180 V St NE Washington District of Columbia 20018-1523
414 Georgetown Neighborhood
Library
3260 R St NW Washington District of Columbia 20007-2940
415 Dmv Georgetown Service Center M St NW Washington District of Columbia 20007-3710
416 Dc Bilingual Public Charter
School
33 Riggs Rd NE Washington District of Columbia 20011-2463
417 Northeast Neighborhood Library 330 7th St NE Washington District of Columbia 20002-6104
418 Eaton Elementary School 3301 Lowell St NW Washington District of Columbia 20008-3314
419 The Brooks Short Term Housing
Facility
3318 Idaho Avenue NW Washington District of Columbia 20016-3738
420 3335 V Street Ne 3335 V St NE Washington District of Columbia 20018-1526
421 Child & Family Services 3350 9th St NE Washington District of Columbia 20017-3506
422 Dpr - Guy Mason Recreation
Center
3600 Calvert St NW Washington District of Columbia 20007-1830
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
Page 13 of 15
NOT BOUND UNTIL FULLY EXECUTED
Location No. Index No. Name Street Address City County Postal Code
SCHEDULE OF LOCATIONS, APPENDIX A Account No. 86617
Policy No. 1166430
State/Province Country
423 3720 Martin Luther King Jr
Avenue Se
3720 Martin Luther King Jr Avenue SE Washington District of Columbia 20032-1548
424 Raymond Recreation Center 3725 10th St NW Washington District of Columbia 20010-1447
425 Dpw Fort Reno Salt Dome Chesapeake St NW Washington District of Columbia 20016-1814
426 401-425 Edgewood St, Ne 401 Edgewood St NE Washington District of Columbia 20017-3322
427 Southeast Neighborhood Library 7th St SE Washington District of Columbia 20003-1221
428 100615.70 Does Office 4058 Minnesota Avenue NE Washington District of Columbia 20019-3540
429 Friendship Pcs - Collegiate
Academy
4095 Minnesota Avenue NE Washington District of Columbia 20019-3541
430 Around Town Satellite Wellness
Program
4125 Albemarle St NW Washington District of Columbia 20016-2105
431 River Terrace Educational
Campus
420 34th St NE Washington District of Columbia 20019-1410
433 Kipp Dc Scott Montgomery
Elementary
421 P St NW Washington District of Columbia 20001-2417
434 The Triumph Short Term Housing
Facility
4225 6th St SE Washington District of Columbia 20032-3613
100613.95 Dorothy I. Height Elementary
School - Annex B
1300 Allison St NW Washington District of Columbia 20011-4441
100613.95 Theodore Roosevelt Hs 4301 13th St NW Washington District of Columbia 20011-5629
100613.95 Dorothy Height Elementary
School
1300 Allison St NW Washington District of Columbia 20011-4441
436 Kenilworth Recreation Center 4321 Ord St NE Washington District of Columbia 20019-1959
437 David Elementary School 4430 H St SE Washington District of Columbia 20019-4934
438 Youth Services Agency 450 H St NW Washington District of Columbia 20001-2601
439 E.L. Haynes Public Charter
School Elementary & High School
4501 Kansas Avenue NW Washington District of Columbia 20011-7256
440 Dmv Benning Ridge Service
Center
4525 Benning Rd SE Washington District of Columbia 20019-5150
441 Macarthur High School 4530 Macarthur Boulevard NW Washington District of Columbia 20007-4202
442 Fletcher-Johnson Recreation
Center
4650 Benning Rd SE Washington District of Columbia 20019-5162
443 Ron Brown College Prep High
School
4800 Meade St NE Washington District of Columbia 20019-3948
444 Engine Company 29 4811 Macarthur Boulevard NW Washington District of Columbia 20007-1556
445 Monument Academy Public
Charter School
500 19th St NE Washington District of Columbia 20002-4710
100589.76 Henry Daly Building 300 Indiana Avenue Northwest Washington District of Columbia 20001-2108
100589.76 H. Carl Moultrie Courthouse 500 Indiana Avenue NW Washington District of Columbia 20001-2121
447 The Horizon Short Term Housing
Facility
5004 D St SE Washington District of Columbia 20019-6109
448 Engine Company 13 501 4th St SW Washington District of Columbia 20024-2802
449 Recorder Of Deeds 515 D St NE Washington District of Columbia 20002-5803
450 Engine Company 2 6th St NW Washington District of Columbia 20001-5790
451 100605.14 H.D. Woodson High School 540 55th St NE Washington District of Columbia 20019-6799
452 Capitol Hill Arts Workshop 545 7th St SE Washington District of Columbia 20003-2738
453 The Kennedy Short Term Housing
Facility
5505 5th St NE Washington District of Columbia 20011-2617
454 Former Engine Company 22 5764 Georgia Avenue NW Washington District of Columbia 20011-2929
455 Commercial 580 Water St SW Washington District of Columbia 20024-2384
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
435 District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
446 District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
Page 14 of 15
NOT BOUND UNTIL FULLY EXECUTED
Location No. Index No. Name Street Address City County Postal Code
SCHEDULE OF LOCATIONS, APPENDIX A Account No. 86617
Policy No. 1166430
State/Province Country
456 Emery Heights Community Center 5801 Georgia Avenue NW Washington District of Columbia 20011-2944
457 New Endeavors (Shelter For
Women)
611 N St NW Washington District of Columbia 20001-3421
458 Engine Company 22 6825 Georgia Avenue NW Washington District of Columbia 20012-2568
459 Ferebee-Hope Recreation Center Yuma St SE Washington District of Columbia 20032-6139
460 Meridian Public Charter School -
Middle School
770 Kenyon St NW Washington District of Columbia 20010-1522
461 Randall Recreation Center 820 E Capitol St NE Washington District of Columbia 20003-1373
462 100589.74 New Beginnings Youth
Development Center -
Administrative Building, Gym,
Warehouse, Housing Units A, B,
C
8400 River Rd Laurel Anne Arundel 20724-1426
463 Unique Residential Care
Centerj.B. Johnson Nursing Home
901 1st St NW Washington District of Columbia 20001-1403
464 Brooks Mansion 901 Newton St NE Washington District of Columbia 20017-1709
466 100605.22 Planet Word Museum 925 13th St NW Washington District of Columbia 20005-4005
467 Residential 935 Kennedy St NW Washington District of Columbia 20011-2949
468 Permanent Supportive Housing
(Psh)
4300 12th St SE Washington District of Columbia 20032-4603
469 Stuart - Hobson Middle School 430 E St NE Washington District of Columbia 20002-4927
470 Engine Company 7 1101 Half St SW Washington District of Columbia 20024-3613
471 Congress Heights Wellness Center Savannah St SE Washington District of Columbia 20032
472 John Lewis Elementary School 1335 Farragut St NW Washington District of Columbia 20011-6907
473 Office Of State Superintendent Of
Education - Div Of Transportation
- Bus Depot
1601 W St NE Washington District of Columbia 20018-1216
474 Fort Dupont Ice Arena 3779 Ely Pl SE Washington District of Columbia 20019-3043
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
Maryland United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
Page 15 of 15
NOT BOUND UNTIL FULLY EXECUTED
Location No. Index No. Name Street Address City County Postal Code
009 Dmv Inspection Station 1001 Half Street Southwest Washington District of Columbia 20024-3611
012 First District Station 101 M Street Southwest Washington District of Columbia 20024-3609
052 100589.75 John A. Wilson Building 1350 Pennsylvania Avenue Northwest Washington District of Columbia 20004-3089
120 King Greenleaf Recreation Center 201 N Street Southwest Washington District of Columbia 20024-3533
225 Simon Elementary School 401 Mississippi Avenue Southeast Washington District of Columbia 20032-5421
260 100035.33 Ingenuity Prep Public Charter School 4600 Livingston Road Southeast Washington District of Columbia 20032-3136
288 Harbor Patrol - Mpd/Fems And Fueling
Station
550 Water Street Southwest Washington District of Columbia 20024-2399
335 The Aya Short Term Housing Facility 850 Delaware Avenue Southwest Washington District of Columbia 20024-4208
336 Southwest Neighborhood Library 900 Wesley Place Southwest Washington District of Columbia 20024-4212
344 Dmv Southwest Service Center 95 M Street Southwest Washington District of Columbia 20024-3622
100589.76 H. Carl Moultrie Courthouse 500 Indiana Avenue NW Washington District of Columbia 20001-2121
100589.76 Henry Daly Building 300 Indiana Avenue Northwest Washington District of Columbia 20001-2108
451 100605.14 H.D. Woodson High School 540 55th St NE Washington District of Columbia 20019-6799
455 Commercial 580 Water St SW Washington District of Columbia 20024-2384
470 Engine Company 7 1101 Half St SW Washington District of Columbia 20024-3613
HIGH HAZARD FLOOD LOCATIONS, APPENDIX B Account No. 86617
Policy No. 1166430
State/Province Country
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
446 District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
Page 1 of 1
NOT BOUND UNTIL FULLY EXECUTED
Location No. Index No. Name Street Address City County Postal Code
092 Anacostia Recreation Center 1800 Anacostia Drive Southeast Washington District of Columbia 20020-6725
168 Edgewood Recreation Center 300 Franklin Street Northeast Washington District of Columbia 20017-1344
222 100589.88 Consolidated Forensic Lab 401 E Street Southwest Washington District of Columbia 20024-3242
304 100605.13 Charles Hart Middle School 601 Mississippi Avenue Southeast Washington District of Columbia 20032-3862
331 Dbh Behavioral Health Services 821 Howard Road Southeast Washington District of Columbia 20020-5805
361 Reservoir Park Recreation Center (Mcmillan) 10 Lower Service Court NW Washington District of Columbia 20001-6460
415 Dmv Georgetown Service Center M St NW Washington District of Columbia 20007-3710
425 Dpw Fort Reno Salt Dome Chesapeake St NW Washington District of Columbia 20016-1814
427 Southeast Neighborhood Library 7th St SE Washington District of Columbia 20003-1221
450 Engine Company 2 6th St NW Washington District of Columbia 20001-5790
459 Ferebee-Hope Recreation Center Yuma St SE Washington District of Columbia 20032-6139
462 100589.74 New Beginnings Youth Development Center -
Administrative Building, Gym, Warehouse, Housing
Units A, B, C
8400 River Rd Laurel Anne Arundel 20724-1426
471 Congress Heights Wellness Center Savannah St SE Washington District of Columbia 20032
MODERATE HAZARD FLOOD LOCATIONS, APPENDIX C Account No. 86617
Policy No. 1166430
State/Province Country
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
District of Columbia United States of America
Maryland United States of America
Page 1 of 1
NOT BOUND UNTIL FULLY EXECUTED
Form FMG7308 Page 1 of 2 Edition January 2020
Account No. 86617
Policy No. 1166430
SUPPLEMENTAL UNITED STATES
CERTIFIED ACT OF TERRORISM ENDORSEMENT
This Endorsement is applicable to all insured property in the United States, its territories and
possessions and the Commonwealth of Puerto Rico.
Coverage for “Certified Act of Terrorism” Under The Terrorism Risk Insurance Act of 2002, as
amended.
In consideration of a premium charged of USD 0, this Policy, subject to the terms and conditions therein
and in this Endorsement, covers direct physical loss or damage to insured property and any resulting
TIME ELEMENT loss, as provided in the TIME ELEMENT section of the Policy, caused by or resulting
from a Certified Act of Terrorism as defined herein.
Notwithstanding anything contained elsewhere in this Policy, any exclusion or limitation of terrorism in
this Policy and any endorsement attached to and made a part of this Policy, is hereby amended to the
effect that such exclusion or limitation does not apply to a “Certified Act of Terrorism” as defined herein.
This amendment does not apply to any limit of liability for a Certified Act of Terrorism, if any, stated
under the LIMITS OF LIABILITY clause of the DECLARATIONS section of this Policy.
With respect to any one or more Certified Act(s) of Terrorism, this Company will not pay any amounts
for which the Company is not responsible under the terms of the Terrorism Risk Insurance Act of 2002
(including subsequent action of Congress pursuant to the Act) which includes a provision stating that if
the aggregate insured losses exceed USD 100,000,000,000 during any calendar year, neither the United
States Government nor any insurer that has met its insurer deductible shall be liable for the payment of
any portion of the amount of such losses that exceed USD 100,000,000,000. If the aggregate insured
losses for all insurers exceed USD 100,000,000,000, your coverage may be reduced.
The coverage provided under this Endorsement for “Certified” losses caused by acts of terrorism will be
partially reimbursed by the United States Government under a formula established by Federal Law.
Under this formula, the United States pays 80% of covered terrorism losses exceeding a statutorily
established retention by the insurer referenced in this Policy. The premium charged for this coverage is
provided above.
The terms and limitations of any terrorism exclusion, or the inapplicability or omission of a terrorism
exclusion, do not serve to create coverage for any loss which would otherwise be excluded under this
Endorsement or the Policy.
The coverage provided by this Endorsement only applies to a Certified Act of Terrorism.
For the purposes of this Endorsement, a “Certified Act of Terrorism” means any act that is certified by the
Secretary of the Treasury, in consultation with the Secretary of Homeland Security, and the Attorney
General of the United States, to be an act of terrorism pursuant to the federal Terrorism Risk Insurance
Act of 2002 as amended and extended. The criteria contained in that Act for a “Certified Act of
Terrorism” include the following:
A. The act resulted in aggregate losses in excess of USD 5,000,000; and
B. The act is a violent act or an act that is dangerous to human life, property or infrastructure and is
committed by an individual or individuals as part of an effort to coerce the civilian population of
NOT BOUND UNTIL FULLY EXECUTED
Form FMG7308 Page 2 of 2 Edition January 2020
the United States or to influence the policy or affect the conduct of the United States Government
by coercion.
NOT BOUND UNTIL FULLY EXECUTED
FMIC 7620 (11/22) Page 1 of 1
Multistate
FRAUD WARNING NOTICE
The following states require Factory Mutual Insurance Company to provide insureds with a Fraud
Warning similar to the statement below:
California Oklahoma
District of Columbia Oregon
Florida Pennsylvania
Kentucky Rhode Island
Louisiana Tennessee
Maine Virginia
Maryland Washington
New Mexico West Virginia
“Any person who knowingly presents false or fraudulent information to obtain or amend insurance
coverage or to make a claim for the payment of a loss is guilty of a crime and may be subject to fines and
confinement in state prison.”
The following states require Factory Mutual Insurance Company to provide insureds with a Fraud
Warning exactly as the statement below:
New Jersey
“Any person who includes any false or misleading information on an application for an insurance policy
is subject to criminal and civil penalties.”
New York
“Any person who knowingly and with intent to defraud any insurance company or other person files an
application for commercial insurance or a statement of claim for any commercial or personal insurance
benefits containing any materially false information, or conceals for the purpose of misleading,
information concerning any fact material thereto, and any person who, in connection with such
application or claim, knowingly makes or knowingly assists, abets, solicits or conspires with another to
make a false report of the theft, destruction, damage or conversion of any motor vehicle to a law
enforcement agency, the department of motor vehicles or an insurance company commits a fraudulent
insurance act, which is a crime, and shall also be subject to a civil penalty not to exceed five thousand
dollars and the value of the subject motor vehicle or stated claim for each violation.”
Ohio
“Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer,
submits an application or files a claim containing a false or deceptive statement is guilty of insurance
fraud.”
This Notice is provi ded only for informational purposes. It does not modify, limit or enlarge insurance
policy provisions. The actual rights and responsibilities of the insurer and the insured are contained in the
policy’s terms and conditions.
NOT BOUND UNTIL FULLY EXECUTED