COMMERCIAL ENDORSEMENTS AND FLOATERS

<div class="sg" id="s24" data-sgid="Group 7" style="z-index:6;left:70.66px;top:183.14px;width:85.11px;height:85.11px" data-shape="group"> <div class="sg" id="s26" data-sgid="Oval 9" style="z-index:2;left:6.94px;top:6.82px;width:71.03px;height:71.01px" data-pointer-events="none"> <img class="sg" src="7B6F1A6371x71.png" id="s26_i" style="z-index:1;left:0px;top:0px;width:71.03px;height:71.01px" > </div> <div class="sg" id="s27" data-sgid="Oval 8" style="z-index:1;left:-0.63px;top:-0.62px;width:86.01px;height:85.99px" data-pointer-events="none"> <img class="sg" src="4877A4C0.png" id="s27_i" style="z-index:1;left:0px;top:0px;width:86.01px;height:85.99px" > </div> </div> <div class="sg" id="s19" data-sgid="Rectangle 6" style="z-index:1;left:0.00px;top:386.52px;width:960.38px;height:153.48px" data-pointer-events="none"> <img class="sg" src="476DDE72.png" id="s19_i" style="z-index:1;left:0px;top:0px;width:960.38px;height:153.48px" > </div> <div class="sg" id="s36" data-sgid="s36" style="z-index:5;left:897.77px;top:490.53px;width:36.00px;height:36.00px" data-shape="group"> <div class="sg" id="s38" data-sgid="s38" style="z-index:2;left:0.96px;top:1.04px;width:33.22px;height:33.22px" data-pointer-events="none"> <img class="sg" src="84EFA57C33x33.png" id="s38_i" style="z-index:1;left:0px;top:0px;width:33.22px;height:33.22px" > </div> <div class="sg" id="s39" data-sgid="s39" style="z-index:1;left:-0.97px;top:-0.88px;width:36.84px;height:36.94px" data-pointer-events="none"> <img class="sg" src="B397EC6837x37.png" id="s39_i" style="z-index:1;left:0px;top:0px;width:36.84px;height:36.94px" > </div> </div> <div class="sg sgTitle" id="s16" data-sgid="Title 3" style="z-index:1;left:170.09px;top:95.94px;width:731.38px;height:277.84px" data-valign="middle" data-pointer-events="none"> <img class="sg" src="60F97EF3.png" id="s16_tt" style="left:0.00px;top:0.00px;width:731.38px;height:277.84px;z-index:1" > </div> <div class="sg" id="s17" data-sgid="Text Placeholder 4" style="z-index:2;left:169.95px;top:394.55px;width:713.43px;height:84.77px" data-pointer-events="none"> <div style='width:100%;height:100%;background:rgba(0,0,0,0)'></div></div> <div class="sg" id="s18" data-sgid="Footer Placeholder 5" style="z-index:3;left:171.28px;top:492.99px;width:498.96px;height:29.62px" data-valign="middle" data-pointer-events="none"> <div id="s18_t" class="sg" style="z-index:2;left:0.00px;top:0.00px;width:498.96px;height:29.62px;"><div><p><span data-textwidth="258.41" class="sg nowrap f2" style="z-index:2;color:#696464;font-size:61%; left:7.79px;top:10.68px;">© Copyright 2017 - MRD Training &amp; Consulting Inc.</span></p></div></div></div> <div class="sg sgTitle" id="s29" data-sgid="Title 1" style="z-index:2;left:83.71px;top:37.65px;width:792.47px;height:127.49px" data-valign="middle" data-pointer-events="none"> <img class="sg" src="72C5E16.png" id="s29_tt" style="left:0.00px;top:0.00px;width:792.47px;height:127.49px;z-index:1" > </div> <div class="sg" id="s28" data-sgid="Rectangle 12" style="z-index:1;left:83.49px;top:157.93px;width:792.44px;height:7.21px" data-pointer-events="none"> <img class="sg" src="8CC195EC.png" id="s28_i" style="z-index:1;left:0px;top:0px;width:792.44px;height:7.21px" > </div> <div class="sg" id="s30" data-sgid="Content Placeholder 2" style="z-index:3;left:82.52px;top:187.21px;width:793.77px;height:285.76px"> <div id="s30_t" class="sg" style="z-index:2;left:0px;top:0px;width:793.77px;height:285.76px;"><div><p><span data-textwidth="565.65" class="sg nowrap f2" style="z-index:2;color:#FFFFFF;font-size:72%; left:8.10px;top:9.43px;">If a building suffers a loss and municipal ordinance requires that it be torn down, </span><span data-textwidth="572.74" class="sg nowrap f2" style="z-index:3;color:#FFFFFF;font-size:72%; left:8.10px;top:23.12px;">the owner will be responsible for the cost of demolition. Building code and zoning </span><span data-textwidth="572.26" class="sg nowrap f2" style="z-index:4;color:#FFFFFF;font-size:72%; left:8.10px;top:36.92px;">law changes don&#39;t usually apply to existing buildings. However, if you suffer a loss </span><span data-textwidth="517.77" class="sg nowrap f2" style="z-index:5;color:#FFFFFF;font-size:72%; left:8.10px;top:50.60px;">or damage, you may have to rebuild to current standards. The costs can be </span><span data-textwidth="83.29" class="sg nowrap f2" style="z-index:6;color:#FFFFFF;font-size:72%; left:8.10px;top:64.41px;">substantial. </span><span data-textwidth="544.53" class="sg nowrap f2" style="z-index:7;color:#FFFFFF;font-size:72%; left:67.51px;top:129.82px;">The owner will also be responsible for the costs of subsequently removing the </span><span data-textwidth="49.69" class="sg nowrap f2" style="z-index:8;color:#FFFFFF;font-size:72%; left:67.51px;top:143.50px;">debris.</span><span data-textwidth="535.29" class="sg nowrap f2" style="z-index:9;color:#FFFFFF;font-size:72%; left:126.91px;top:222.60px;">In addition, if different quality materials must be used or alterations made to </span><span data-textwidth="537.57" class="sg nowrap f2" style="z-index:10;color:#FFFFFF;font-size:72%; left:126.91px;top:236.28px;">meet upgraded building standards or zoning requirements, the owner will be </span><span data-textwidth="190.71" class="sg nowrap f2" style="z-index:11;color:#FFFFFF;font-size:72%; left:126.91px;top:250.09px;">responsible for those costs.</span></p></div></div><img class="sg" src="8E02A7F.png" id="s30_i" style="z-index:1;left:0px;top:0px;width:793.77px;height:285.76px" > </div> <div class="sg" id="s31" data-sgid="Footer Placeholder 3" style="z-index:4;left:85.04px;top:492.99px;width:498.96px;height:29.62px" data-valign="middle" data-pointer-events="none"> <div id="s31_t" class="sg" style="z-index:2;left:0.00px;top:0.00px;width:498.96px;height:29.62px;"><div><p para="{spaf:6.00}"><span data-textwidth="258.40" class="sg nowrap f2" style="z-index:2;color:#696464;font-size:61%; left:7.86px;top:10.68px;">© Copyright 2017 - MRD Training &amp; Consulting Inc.</span></p></div></div></div> <div class="sg sgTitle" id="s47" data-sgid="Title 5" style="z-index:5;left:666.87px;top:49.90px;width:240.60px;height:408.20px" data-pointer-events="none"> <div style='width:100%;height:100%;background:rgba(0,0,0,0)'></div></div> <div class="sg" id="s45" data-sgid="Rectangle 12" style="z-index:1;left:616.26px;top:-0.48px;width:343.63px;height:540.48px" data-pointer-events="none"> <img class="sg" src="1AB54DD9.png" id="s45_i" style="z-index:1;left:0px;top:0px;width:343.63px;height:540.48px" > </div> <div class="sg" id="s48" data-sgid="Content Placeholder 2" style="z-index:6;left:43.19px;top:47.72px;width:532.18px;height:443.86px"> <div id="s48_t" class="sg" style="z-index:2;left:0px;top:0px;width:532.18px;height:443.86px;"><div><p><span data-textwidth="476.00" class="sg nowrap f2" style="z-index:2;color:#000000;left:11.18px;top:9.01px;">Building Bylaw Coverage is inexpensive, can guard </span><span data-textwidth="499.64" class="sg nowrap f2" style="z-index:3;color:#000000;left:11.18px;top:28.10px;">against experiencing these devastating surprises and </span><span data-textwidth="376.26" class="sg nowrap f2" style="z-index:4;color:#000000;left:11.18px;top:47.06px;">can be purchased in the following forms:</span><span data-textwidth="510.33" class="sg nowrap f2" style="z-index:5;color:#000000;left:11.18px;top:118.96px;">Value of Undamaged Portion of Building Coverage: this </span><span data-textwidth="490.52" class="sg nowrap f2" style="z-index:6;color:#000000;left:11.18px;top:138.04px;">covers the replacement cost value of the undamaged </span><span data-textwidth="499.28" class="sg nowrap f2" style="z-index:7;color:#000000;left:11.18px;top:157.01px;">portions which must be torn down because of a bylaw </span><span data-textwidth="270.65" class="sg nowrap f2" style="z-index:8;color:#000000;left:11.18px;top:176.09px;">is in effect at the time of loss.</span><span data-textwidth="495.44" class="sg nowrap f2" style="z-index:9;color:#000000;left:11.18px;top:229.02px;">Demolition &amp; Debris Removal: this covers the costs of </span><span data-textwidth="472.16" class="sg nowrap f2" style="z-index:10;color:#000000;left:11.18px;top:248.11px;">tearing down and carting away the debris from the </span><span data-textwidth="78.97" class="sg nowrap f2" style="z-index:11;color:#000000;left:11.18px;top:267.07px;">damage.</span><span data-textwidth="478.28" class="sg nowrap f2" style="z-index:12;color:#000000;left:11.18px;top:339.09px;">Increase in Cost of Construction Coverage: this will </span><span data-textwidth="504.08" class="sg nowrap f2" style="z-index:13;color:#000000;left:11.18px;top:358.17px;">cover, for example, if a building of mixed construction </span><span data-textwidth="479.48" class="sg nowrap f2" style="z-index:14;color:#000000;left:11.18px;top:377.13px;">suffers heavy damage and ordinance stipulates that </span><span data-textwidth="492.68" class="sg nowrap f2" style="z-index:15;color:#000000;left:11.18px;top:396.22px;">the new building be of masonry or even fire resistive </span><span data-textwidth="120.02" class="sg nowrap f2" style="z-index:16;color:#000000;left:11.18px;top:415.18px;">construction.</span></p></div></div><img class="sg" src="B965903F532x444.png" id="s48_i" style="z-index:1;left:0px;top:0px;width:532.18px;height:443.86px" > </div> <div class="sg" id="s49" data-sgid="Footer Placeholder 3" style="z-index:7;left:85.04px;top:492.99px;width:498.96px;height:29.62px" data-valign="middle" data-pointer-events="none"> <div id="s49_t" class="sg" style="z-index:2;left:0.00px;top:0.00px;width:498.96px;height:29.62px;"><div><p para="{spaf:6.00}"><span data-textwidth="258.40" class="sg nowrap f2" style="z-index:2;color:#696464;font-size:61%; left:7.86px;top:10.68px;">© Copyright 2017 - MRD Training &amp; Consulting Inc.</span></p></div></div></div> <div class="sg" id="s46" data-sgid="Group 14" style="z-index:2;left:896.80px;top:489.65px;width:36.84px;height:36.94px"> <img class="sg" src="3109C09237x37.png" id="s46_i" style="z-index:1;left:0px;top:0px;width:36.84px;height:36.94px" > </div> <div class="sg sgTitle" id="s50" data-sgid="Title 1" style="z-index:1;left:170.09px;top:95.94px;width:731.38px;height:277.84px" data-valign="middle" data-pointer-events="none"> <img class="sg" src="26B611E6.png" id="s50_tt" style="left:0.00px;top:0.00px;width:731.38px;height:277.84px;z-index:1" > </div> <div class="sg" id="s51" data-sgid="Text Placeholder 2" style="z-index:2;left:169.95px;top:394.55px;width:713.43px;height:84.77px" data-pointer-events="none"> <div style='width:100%;height:100%;background:rgba(0,0,0,0)'></div></div> <div class="sg" id="s52" data-sgid="Footer Placeholder 3" style="z-index:3;left:171.28px;top:492.99px;width:498.96px;height:29.62px" data-valign="middle" data-pointer-events="none"> <div id="s52_t" class="sg" style="z-index:2;left:0.00px;top:0.00px;width:498.96px;height:29.62px;"><div><p><span data-textwidth="258.41" class="sg nowrap f2" style="z-index:2;color:#696464;font-size:61%; left:7.79px;top:10.68px;">© Copyright 2017 - MRD Training &amp; Consulting Inc.</span></p></div></div></div> <div class="sg" id="s53" data-sgid="Rectangle 10" style="z-index:1;left:77.00px;top:35.97px;width:805.41px;height:7.21px" data-pointer-events="none"> <img class="sg" src="B59C47CD.png" id="s53_i" style="z-index:1;left:0px;top:0px;width:805.41px;height:7.21px" > </div> <div class="sg sgTitle" id="s56" data-sgid="Title 1" style="z-index:4;left:83.71px;top:37.65px;width:792.47px;height:127.49px" data-valign="middle" data-pointer-events="none"> <img class="sg" src="CED347A7.png" id="s56_tt" style="left:0.00px;top:0.00px;width:792.47px;height:127.49px;z-index:1" > </div> <div class="sg" id="s54" data-sgid="Rectangle 12" style="z-index:2;left:77.00px;top:46.89px;width:805.41px;height:109.84px" data-pointer-events="none"> <img class="sg" src="6657474F.png" id="s54_i" style="z-index:1;left:0px;top:0px;width:805.41px;height:109.84px" > </div> <div class="sg" id="s55" data-sgid="Rectangle 14" style="z-index:3;left:77.00px;top:159.86px;width:805.41px;height:7.32px" data-pointer-events="none"> <img class="sg" src="E9F75A82.png" id="s55_i" style="z-index:1;left:0px;top:0px;width:805.41px;height:7.32px" > </div> <div class="sg" id="s57" data-sgid="Content Placeholder 2" style="z-index:5;left:83.71px;top:182.16px;width:792.47px;height:303.89px" data-valign="top" data-pointer-events="none"> <div id="s57_t" class="sg" style="z-index:2;left:-0.82px;top:-3.61px;width:793.29px;height:307.49px;"><div><p para="{bl:{ch:167},spbf:12.00}"><span data-textwidth="703.07" class="sg nowrap f3" style="z-index:2;color:#9E3611;font-size:78%; left:8.57px;top:8.13px;">&#61607;<span class="f2" style="font-size:121%; color:#000000;"><span style="letter-spacing:3.48px"> </span>Spoilage coverage is most commonly thought of in relation to restaurants and other such </span></span><span data-textwidth="664.31" class="sg nowrap f2" style="z-index:4;font-size:94%; left:22.97px;top:26.50px;">establishments, but the need for spoilage coverage goes far beyond food-based risks</span></p><p></p><p para="{bl:{ch:167},spbf:12.00}"><span data-textwidth="758.64" class="sg nowrap f3" style="z-index:7;color:#9E3611;font-size:78%; left:8.57px;top:87.23px;">&#61607;<span class="f2" style="font-size:121%; color:#000000;"><span style="letter-spacing:3.36px"> </span>Although the Spoilage Coverage endorsement is typically attached to the commercial property </span></span><span data-textwidth="650.02" class="sg nowrap f2" style="z-index:9;font-size:94%; left:22.97px;top:105.59px;">policy, in some respects the endorsement can be viewed as a self-contained policy. </span></p><p></p><p para="{bl:{ch:167},spbf:12.00}"><span data-textwidth="766.09" class="sg nowrap f3" style="z-index:12;color:#9E3611;font-size:78%; left:8.57px;top:166.33px;">&#61607;<span class="f2" style="font-size:121%; color:#000000;"><span style="letter-spacing:3.48px"> </span>The endorsement specifically defines and narrows the breadth of covered property and goes on </span></span><span data-textwidth="660.95" class="sg nowrap f2" style="z-index:14;font-size:94%; left:22.97px;top:184.69px;">the limit the causes of loss available for that “covered property” to two named perils. </span></p><p></p><p para="{bl:{ch:167},spbf:12.00}"><span data-textwidth="638.86" class="sg nowrap f3" style="z-index:15;color:#9E3611;font-size:78%; left:8.57px;top:245.42px;">&#61607;<span class="f2" style="font-size:121%; color:#000000;"><span style="letter-spacing:3.36px"> </span>Additionally, the endorsement is typically subject to its own limit and deductible</span></span></p></div></div></div> <div class="sg" id="s58" data-sgid="Footer Placeholder 3" style="z-index:6;left:85.04px;top:492.99px;width:498.96px;height:29.62px" data-valign="middle" data-pointer-events="none"> <div id="s58_t" class="sg" style="z-index:2;left:0.00px;top:0.00px;width:498.96px;height:29.62px;"><div><p para="{spaf:6.00}"><span data-textwidth="258.40" class="sg nowrap f2" style="z-index:2;color:#696464;font-size:61%; left:7.86px;top:10.68px;">© Copyright 2017 - MRD Training &amp; Consulting Inc.</span></p></div></div></div> <div class="sg sgTitle" id="s62" data-sgid="Title 8" style="z-index:6;left:619.97px;top:37.65px;width:301.18px;height:127.49px" data-pointer-events="none"> <div style='width:100%;height:100%;background:rgba(0,0,0,0)'></div></div> <div class="sg" id="s63" data-sgid="Content Placeholder 2" style="z-index:7;left:619.97px;top:37.65px;width:301.18px;height:448.40px" data-valign="top" data-pointer-events="none"> <div id="s63_t" class="sg" style="z-index:2;left:-2.26px;top:-4.80px;width:308.85px;height:453.19px;"><div><p para="{bl:{ch:167},spbf:12.00}"><span data-textwidth="239.33" class="sg nowrap f3" style="z-index:2;color:#9E3611;font-size:94%; left:10.35px;top:10.08px;">&#61607;<span class="f2" style="font-size:118%; color:#000000;"><span style="letter-spacing:1.57px"> </span>Only “perishable stock” </span></span><span data-textwidth="218.32" class="sg nowrap f2" style="z-index:4;font-size:111%; left:24.76px;top:31.68px;">located at the premises </span><span data-textwidth="162.03" class="sg nowrap f2" style="z-index:5;font-size:111%; left:24.76px;top:53.29px;">described on the </span><span data-textwidth="231.28" class="sg nowrap f2" style="z-index:6;font-size:111%; left:24.76px;top:74.89px;">declarations is extended </span><span data-textwidth="149.90" class="sg nowrap f2" style="z-index:7;font-size:111%; left:24.76px;top:96.50px;">coverage in this </span><span data-textwidth="259.72" class="sg nowrap f2" style="z-index:8;font-size:111%; left:24.76px;top:118.10px;">endorsement; no other type </span><span data-textwidth="223.36" class="sg nowrap f2" style="z-index:9;font-size:111%; left:24.76px;top:139.71px;">of property is protected </span><span data-textwidth="171.75" class="sg nowrap f2" style="z-index:10;font-size:111%; left:24.64px;top:161.31px;">within its wording. </span></p><p></p><p para="{bl:{ch:167},spbf:12.00}"><span data-textwidth="286.62" class="sg nowrap f3" style="z-index:11;color:#9E3611;font-size:94%; left:10.35px;top:228.53px;">&#61607;<span class="f2" style="font-size:118%; color:#000000;"><span style="letter-spacing:1.57px"> </span>“Perishable stock” is defined </span></span><span data-textwidth="250.96" class="sg nowrap f2" style="z-index:13;font-size:111%; left:24.76px;top:250.13px;">to mean personal property </span><span data-textwidth="179.07" class="sg nowrap f2" style="z-index:14;font-size:111%; left:24.76px;top:271.74px;">“Maintained under </span><span data-textwidth="257.20" class="sg nowrap f2" style="z-index:15;font-size:111%; left:24.76px;top:293.34px;">controlled conditions for its </span><span data-textwidth="165.63" class="sg nowrap f2" style="z-index:16;font-size:111%; left:24.76px;top:314.95px;">preservation; and </span><span data-textwidth="200.19" class="sg nowrap f2" style="z-index:17;font-size:111%; left:24.76px;top:336.55px;">Susceptible to loss or </span><span data-textwidth="229.60" class="sg nowrap f2" style="z-index:18;font-size:111%; left:24.76px;top:358.16px;">damage if the controlled </span><span data-textwidth="182.19" class="sg nowrap f2" style="z-index:19;font-size:111%; left:24.76px;top:379.76px;">conditions change.”</span></p></div></div></div> <div class="sg" id="s59" data-sgid="Rectangle 13" style="z-index:1;left:0.00px;top:-0.48px;width:960.38px;height:540.48px" data-pointer-events="none"> <img class="sg" src="8C5B6436.png" id="s59_i" style="z-index:1;left:0px;top:0px;width:960.38px;height:540.48px" > </div> <div class="sg" id="s60" data-sgid="Picture 4" style="z-index:2;left:0.00px;top:-0.48px;width:594.91px;height:540.48px"> <img class="sg" src="28B56971.jpg" id="s60_i" style="z-index:1;left:0px;top:0px;width:594.91px;height:540.48px" > </div> <div class="sg" id="s64" data-sgid="Footer Placeholder 5" style="z-index:8;left:85.04px;top:492.99px;width:498.96px;height:29.62px" data-valign="middle" data-pointer-events="none"> <div id="s64_t" class="sg" style="z-index:2;left:0.00px;top:0.00px;width:498.96px;height:29.62px;"><div><p para="{spaf:6.00}"><span data-textwidth="258.40" class="sg nowrap f2" style="z-index:2;color:#FFFFFF;font-size:61%; left:7.86px;top:10.68px;">© Copyright 2017 - MRD Training &amp; Consulting Inc.</span></p></div></div></div> <div class="sg" id="s61" data-sgid="Group 15" style="z-index:3;left:896.80px;top:489.65px;width:36.84px;height:36.94px"> <img class="sg" src="3109C09237x37.png" id="s61_i" style="z-index:1;left:0px;top:0px;width:36.84px;height:36.94px" > </div> <div class="sg" id="s66" data-sgid="Content Placeholder 2" style="z-index:2;left:27.22px;top:28.17px;width:932.68px;height:457.87px" data-valign="top" data-pointer-events="none"> <div id="s66_t" class="sg" style="z-index:2;left:-2.38px;top:-4.65px;width:938.77px;height:462.52px;"><div><p para="{bl:{ch:167},spbf:12.00}"><span data-textwidth="858.62" class="sg nowrap f3" style="z-index:2;color:#9E3611;font-size:94%; left:10.09px;top:10.05px;">&#61607;<span class="f2" style="font-size:118%; color:#000000;"><span style="letter-spacing:1.56px"> </span>The coverage typically limits protection to two named causes of loss and one or both can be </span></span><span data-textwidth="621.94" class="sg nowrap f2" style="z-index:4;font-size:111%; left:24.49px;top:31.65px;">chosen when building the coverage (it’s better to combine the two). </span></p><p></p><p para="{bl:{ch:167},spbf:12.00}"><span data-textwidth="256.24" class="sg nowrap f3" style="z-index:5;color:#9E3611;font-size:94%; left:10.09px;top:98.87px;">&#61607;<span class="f2" style="font-size:118%; color:#000000;"><span style="letter-spacing:1.56px"> </span>Each is defined as follows:</span></span></p><p para="{in:2,bl:{ch:167},spbf:4.00,spaf:2.00}"><span data-textwidth="321.89" class="sg nowrap f3" style="z-index:7;color:#9E3611;font-size:83%; left:31.69px;top:124.55px;">&#61607;<span class="f2" style="font-size:120%; color:#000000;position:relative;bottom:-2px;"><span style="letter-spacing:2.88px"> </span>Breakdown or Contamination means: </span></span></p><p para="{in:3,bl:{nbr:1,val:1,st:3},spbf:4.00,spaf:2.00}"><span data-textwidth="847.70" class="sg nowrap f2" style="z-index:9;color:#9E3611;font-size:78%; left:77.66px;top:151.28px;">1.<span class="f2" style="font-size:114%; color:#000000;"><span style="letter-spacing:11.64px"> </span>Change in temperature or humidity resulting from mechanical breakdown or mechanical failure of refrigerating, </span></span><span data-textwidth="824.78" class="sg nowrap f2" style="z-index:11;font-size:89%; left:104.66px;top:166.40px;">cooling or humidity control apparatus or equipment, only while such equipment or apparatus is at the described </span><span data-textwidth="106.34" class="sg nowrap f2" style="z-index:12;font-size:89%; left:104.66px;top:183.69px;">premises; and </span></p><p para="{in:3,bl:{nbr:2,val:1,st:3},spbf:4.00,spaf:2.00}"><span data-textwidth="271.72" class="sg nowrap f2" style="z-index:13;color:#9E3611;font-size:78%; left:77.66px;top:209.13px;">2.<span class="f2" style="font-size:114%; color:#000000;"><span style="letter-spacing:11.64px"> </span>Contamination by the refrigerant.</span></span></p><p></p><p para="{in:2,bl:{ch:167},spbf:4.00,spaf:2.00}"><span data-textwidth="893.19" class="sg nowrap f3" style="z-index:15;color:#9E3611;font-size:83%; left:31.69px;top:254.42px;">&#61607;<span class="f2" style="font-size:120%; color:#000000;position:relative;bottom:-2px;"><span style="letter-spacing:2.88px"> </span>Power Outage means change in temperature or humidity resulting from complete or partial interruption of </span></span><span data-textwidth="792.97" class="sg nowrap f2" style="z-index:17;left:46.09px;top:273.87px;">electrical power, either on or off the described premises, due to conditions beyond your control.</span></p></div></div></div> <div class="sg" id="s65" data-sgid="Footer Placeholder 3" style="z-index:1;left:85.04px;top:492.99px;width:498.96px;height:29.62px" data-valign="middle" data-pointer-events="none"> <div id="s65_t" class="sg" style="z-index:2;left:0.00px;top:0.00px;width:498.96px;height:29.62px;"><div><p><span data-textwidth="258.40" class="sg nowrap f2" style="z-index:2;color:#696464;font-size:61%; left:7.86px;top:10.68px;">© Copyright 2017 - MRD Training &amp; Consulting Inc.</span></p></div></div></div> <div class="sg" id="s71" data-sgid="Rectangle 15" style="z-index:4;left:83.49px;top:157.93px;width:792.44px;height:7.21px" data-pointer-events="none"> <img class="sg" src="8CC195EC.png" id="s71_i" style="z-index:1;left:0px;top:0px;width:792.44px;height:7.21px" > </div> <div class="sg" id="s73" data-sgid="Content Placeholder 3" style="z-index:6;left:83.71px;top:33.82px;width:792.47px;height:439.04px"> <div id="s73_t" class="sg" style="z-index:2;left:0px;top:0px;width:792.47px;height:439.04px;"><div><p><span data-textwidth="275.09" class="sg nowrap f2" style="z-index:2;color:#FFFFFF;left:82.04px;top:154.10px;">On the surface the protection </span><span data-textwidth="298.97" class="sg nowrap f2" style="z-index:3;color:#FFFFFF;left:70.04px;top:173.19px;">extended from these definitions </span><span data-textwidth="289.25" class="sg nowrap f2" style="z-index:4;color:#FFFFFF;left:74.84px;top:192.15px;">appears very limited; however, </span><span data-textwidth="231.16" class="sg nowrap f2" style="z-index:5;color:#FFFFFF;left:103.76px;top:211.23px;">the effective coverage is </span><span data-textwidth="290.33" class="sg nowrap f2" style="z-index:6;color:#FFFFFF;left:74.24px;top:230.20px;">actually quite broad in relation </span><span data-textwidth="197.31" class="sg nowrap f2" style="z-index:7;color:#FFFFFF;left:120.80px;top:249.28px;">to the purpose of the </span><span data-textwidth="131.30" class="sg nowrap f2" style="z-index:8;color:#FFFFFF;left:153.93px;top:268.37px;">endorsement. </span><span data-textwidth="281.45" class="sg nowrap f2" style="z-index:9;color:#FFFFFF;left:429.14px;top:130.34px;">The endorsement protects the </span><span data-textwidth="265.96" class="sg nowrap f2" style="z-index:10;color:#FFFFFF;left:429.14px;top:149.42px;">insured against the financial </span><span data-textwidth="283.61" class="sg nowrap f2" style="z-index:11;color:#FFFFFF;left:429.14px;top:168.38px;">consequences of direct loss to </span><span data-textwidth="230.32" class="sg nowrap f2" style="z-index:12;color:#FFFFFF;left:429.14px;top:187.47px;">listed personal property </span><span data-textwidth="290.21" class="sg nowrap f2" style="z-index:13;color:#FFFFFF;left:429.14px;top:206.43px;">damaged or made unusable by:</span><span data-textwidth="286.13" class="sg nowrap f2" style="z-index:14;color:#FFFFFF;font-size:78%; left:429.14px;top:232.08px;">• nearly any change in temperature; or </span><span data-textwidth="286.85" class="sg nowrap f2" style="z-index:16;color:#FFFFFF;font-size:78%; left:429.14px;top:249.36px;">• contamination caused by a release of </span><span data-textwidth="221.56" class="sg nowrap f2" style="z-index:18;color:#FFFFFF;font-size:78%; left:438.14px;top:264.13px;">a refrigerant (which might be </span><span data-textwidth="253.72" class="sg nowrap f2" style="z-index:19;color:#FFFFFF;font-size:78%; left:438.14px;top:278.89px;">considered a pollutant otherwise).</span></p></div></div><img class="sg" src="A7C06594.png" id="s73_i" style="z-index:1;left:0px;top:0px;width:792.47px;height:439.04px" > </div> <div class="sg" id="s72" data-sgid="Footer Placeholder 1" style="z-index:5;left:85.04px;top:492.99px;width:498.96px;height:29.62px" data-valign="middle" data-pointer-events="none"> <div id="s72_t" class="sg" style="z-index:2;left:0.00px;top:0.00px;width:498.96px;height:29.62px;"><div><p para="{spaf:6.00}"><span data-textwidth="258.40" class="sg nowrap f2" style="z-index:2;color:#696464;font-size:61%; left:7.86px;top:10.68px;">© Copyright 2017 - MRD Training &amp; Consulting Inc.</span></p></div></div></div> <div class="sg" id="s70" data-sgid="Group 11" style="z-index:1;left:896.80px;top:489.65px;width:36.84px;height:36.94px"> <img class="sg" src="3109C09237x37.png" id="s70_i" style="z-index:1;left:0px;top:0px;width:36.84px;height:36.94px" > </div> <div class="sg sgTitle" id="s76" data-sgid="Title 1" style="z-index:3;left:163.49px;top:50.13px;width:264.34px;height:439.29px" data-valign="middle" data-pointer-events="none"> <div id="s76_t" class="sg" style="z-index:2;left:-21.83px;top:0.00px;width:286.17px;height:439.29px;"><div><p><span data-textwidth="205.35" class="sg nowrap f1" style="z-index:2;font-size:267%; left:29.49px;top:89.50px;">TWO MAJOR </span><span data-textwidth="164.55" class="sg nowrap f1" style="z-index:3;font-size:267%; left:29.49px;top:141.35px;">SPOILAGE </span><span data-textwidth="175.35" class="sg nowrap f1" style="z-index:4;font-size:267%; left:29.49px;top:193.20px;">COVERAGE </span><span data-textwidth="126.98" class="sg nowrap f1" style="z-index:5;font-size:267%; left:29.49px;top:245.05px;">POLICY </span><span data-textwidth="185.67" class="sg nowrap f1" style="z-index:6;font-size:267%; left:29.49px;top:296.91px;">PROVISIONS</span></p></div></div></div> <div class="sg" id="s75" data-sgid="Rectangle 12" style="z-index:2;left:112.74px;top:-0.48px;width:367.14px;height:540.48px" data-pointer-events="none"> <img class="sg" src="21BCAE35.png" id="s75_i" style="z-index:1;left:0px;top:0px;width:367.14px;height:540.48px" > </div> <div class="sg" id="s74" data-sgid="Rectangle 10" style="z-index:1;left:0.00px;top:-0.48px;width:114.07px;height:540.48px" data-fillcolor="16777215"> <img class="sg" src="37D7DC65114x540.png" id="s74_i" style="z-index:1;left:0px;top:0px;width:114.07px;height:540.48px" > </div> <div class="sg" id="s77" data-sgid="Content Placeholder 2" style="z-index:4;left:532.55px;top:50.13px;width:357.79px;height:439.29px" data-valign="middle" data-pointer-events="none"> <div id="s77_t" class="sg" style="z-index:2;left:-1.44px;top:0.00px;width:366.29px;height:439.29px;"><div><p para="{bl:{ch:167},spbf:12.00}"><span data-textwidth="323.81" class="sg nowrap f3" style="z-index:2;color:#9E3611;font-size:83%; left:9.46px;top:61.09px;">&#61607;<span class="f2" style="font-size:120%; color:#000000;position:relative;bottom:-2px;"><span style="letter-spacing:2.88px"> </span>“Selling price” and the presence of a </span></span><span data-textwidth="331.74" class="sg nowrap f2" style="z-index:4;left:23.86px;top:80.54px;">“refrigeration maintenance agreement” </span><span data-textwidth="293.09" class="sg nowrap f2" style="z-index:5;left:23.86px;top:99.98px;">are the two remaining major policy </span><span data-textwidth="268.36" class="sg nowrap f2" style="z-index:6;left:23.86px;top:119.43px;">provisions found in the spoilage </span><span data-textwidth="128.42" class="sg nowrap f2" style="z-index:7;left:23.86px;top:138.87px;">coverage form. </span></p><p></p><p para="{bl:{ch:167},spbf:12.00}"><span data-textwidth="304.13" class="sg nowrap f3" style="z-index:8;color:#9E3611;font-size:83%; left:9.46px;top:201.77px;">&#61607;<span class="f2" style="font-size:120%; color:#000000;position:relative;bottom:-2px;"><span style="letter-spacing:2.88px"> </span>Neither grants nor limits coverage. </span></span></p><p></p><p para="{bl:{ch:167},spbf:12.00}"><span data-textwidth="337.97" class="sg nowrap f3" style="z-index:10;color:#9E3611;font-size:83%; left:9.46px;top:264.66px;">&#61607;<span class="f2" style="font-size:120%; color:#000000;position:relative;bottom:-2px;"><span style="letter-spacing:2.88px"> </span>The “selling price” provision alters the </span></span><span data-textwidth="279.77" class="sg nowrap f2" style="z-index:12;left:23.74px;top:284.10px;">valuation of the covered property </span><span data-textwidth="294.77" class="sg nowrap f2" style="z-index:13;left:23.86px;top:303.55px;">falling a loss; and the “refrigeration </span><span data-textwidth="286.37" class="sg nowrap f2" style="z-index:14;left:23.86px;top:322.99px;">maintenance agreement” wording </span><span data-textwidth="310.49" class="sg nowrap f2" style="z-index:15;left:23.86px;top:342.44px;">alters the rating and ultimate price of </span><span data-textwidth="111.98" class="sg nowrap f2" style="z-index:16;left:23.86px;top:361.88px;">the coverage.</span></p></div></div></div> <div class="sg" id="s78" data-sgid="Footer Placeholder 3" style="z-index:5;left:531.11px;top:492.99px;width:345.08px;height:29.62px" data-valign="middle" data-pointer-events="none"> <div id="s78_t" class="sg" style="z-index:2;left:0.00px;top:0.00px;width:345.08px;height:29.62px;"><div><p para="{spaf:6.00}"><span data-textwidth="258.41" class="sg nowrap f2" style="z-index:2;color:#696464;font-size:61%; left:8.02px;top:10.68px;">© Copyright 2017 - MRD Training &amp; Consulting Inc.</span></p></div></div></div> <div class="sg sgTitle" id="s80" data-sgid="Title 5" style="z-index:2;left:83.71px;top:37.65px;width:792.47px;height:127.49px" data-valign="middle" data-pointer-events="none"> <img class="sg" src="56EFD883.png" id="s80_tt" style="left:0.00px;top:0.00px;width:792.47px;height:127.49px;z-index:1" > </div> <div class="sg" id="s79" data-sgid="Rectangle 12" style="z-index:1;left:83.49px;top:157.93px;width:792.44px;height:7.21px" data-pointer-events="none"> <img class="sg" src="8CC195EC.png" id="s79_i" style="z-index:1;left:0px;top:0px;width:792.44px;height:7.21px" > </div> <div class="sg" id="s81" data-sgid="Content Placeholder 2" style="z-index:3;left:79.04px;top:185.53px;width:799.55px;height:287.32px"> <div id="s81_t" class="sg" style="z-index:2;left:0px;top:0px;width:799.55px;height:287.32px;"><div><p><span data-textwidth="766.33" class="sg nowrap f2" style="z-index:2;color:#000000;font-size:89%; left:10.01px;top:7.27px;">Property covered by the spoilage coverage endorsement is valued using the same valuation </span><span data-textwidth="780.25" class="sg nowrap f2" style="z-index:3;color:#000000;font-size:89%; left:10.01px;top:24.20px;">method applied to personal property in the underlying commercial property policy. However, </span><span data-textwidth="770.65" class="sg nowrap f2" style="z-index:4;color:#000000;font-size:89%; left:10.01px;top:41.12px;">insureds do have the option to alter the method of valuing its covered property (“perishable </span><span data-textwidth="592.78" class="sg nowrap f2" style="z-index:5;color:#000000;font-size:89%; left:10.01px;top:58.04px;">stock”) following a covered loss by choosing the “selling price” option.</span><span data-textwidth="758.77" class="sg nowrap f2" style="z-index:6;color:#000000;font-size:89%; left:9.89px;top:102.21px;">As its name suggests, this option changes the valuation method to the amount for which the </span><span data-textwidth="688.91" class="sg nowrap f2" style="z-index:7;color:#000000;font-size:89%; left:10.01px;top:119.14px;">insured was selling the product. Any applicable discounts and usual expenses (i.e. </span><span data-textwidth="769.69" class="sg nowrap f2" style="z-index:8;color:#000000;font-size:89%; left:10.01px;top:136.06px;">commissions) are subtracted from the selling price to arrive at the final value (to assure that </span><span data-textwidth="520.53" class="sg nowrap f2" style="z-index:9;color:#000000;font-size:89%; left:10.01px;top:152.98px;">the payment does not violate the principle of indemnification).</span><span data-textwidth="769.33" class="sg nowrap f2" style="z-index:10;color:#000000;font-size:89%; left:10.01px;top:197.03px;">If the selling price option is chosen, the insured must consider that value when choosing the </span><span data-textwidth="723.60" class="sg nowrap f2" style="z-index:11;color:#000000;font-size:89%; left:10.01px;top:213.96px;">limit of coverage. Although there is no coinsurance penalty, the insured should be fully </span><span data-textwidth="85.57" class="sg nowrap f2" style="z-index:12;color:#000000;font-size:89%; left:10.01px;top:230.88px;">protected.</span></p></div></div><img class="sg" src="96E55B5F800x287.png" id="s81_i" style="z-index:1;left:0px;top:0px;width:799.55px;height:287.32px" > </div> <div class="sg" id="s82" data-sgid="Footer Placeholder 3" style="z-index:4;left:85.04px;top:492.99px;width:498.96px;height:29.62px" data-valign="middle" data-pointer-events="none"> <div id="s82_t" class="sg" style="z-index:2;left:0.00px;top:0.00px;width:498.96px;height:29.62px;"><div><p para="{spaf:6.00}"><span data-textwidth="258.40" class="sg nowrap f2" style="z-index:2;color:#696464;font-size:61%; left:7.86px;top:10.68px;">© Copyright 2017 - MRD Training &amp; Consulting Inc.</span></p></div></div></div> <div class="sg sgTitle" id="s84" data-sgid="Title 5" style="z-index:2;left:83.71px;top:37.65px;width:792.47px;height:127.49px" data-valign="middle" data-pointer-events="none"> <img class="sg" src="345F9B8E.png" id="s84_tt" style="left:0.00px;top:0.00px;width:792.47px;height:127.49px;z-index:1" > </div> <div class="sg" id="s83" data-sgid="Rectangle 12" style="z-index:1;left:83.49px;top:157.93px;width:792.44px;height:7.21px" data-pointer-events="none"> <img class="sg" src="8CC195EC.png" id="s83_i" style="z-index:1;left:0px;top:0px;width:792.44px;height:7.21px" > </div> <div class="sg" id="s85" data-sgid="Content Placeholder 2" style="z-index:3;left:82.04px;top:186.72px;width:794.74px;height:286.72px"> <div id="s85_t" class="sg" style="z-index:2;left:0px;top:0px;width:794.74px;height:286.72px;"><div><p><span data-textwidth="501.68" class="sg nowrap f2" style="z-index:2;color:#FFFFFF;font-size:78%; left:8.94px;top:14.48px;">Insureds can receive a rate credit on the Breakdown/Contamination </span><span data-textwidth="543.57" class="sg nowrap f2" style="z-index:3;color:#FFFFFF;font-size:78%; left:8.94px;top:29.25px;">coverage, depending on the insured’s classification, for having in place a </span><span data-textwidth="523.29" class="sg nowrap f2" style="z-index:4;color:#FFFFFF;font-size:78%; left:8.94px;top:44.01px;">refrigeration maintenance agreement however the rate credit does not </span><span data-textwidth="396.31" class="sg nowrap f2" style="z-index:5;color:#FFFFFF;font-size:78%; left:8.94px;top:58.89px;">typically apply to Power Outage coverage (if chosen).</span><span data-textwidth="542.25" class="sg nowrap f2" style="z-index:6;color:#FFFFFF;font-size:78%; left:68.35px;top:114.23px;">Essentially, a refrigeration maintenance agreement is a contract between </span><span data-textwidth="513.09" class="sg nowrap f2" style="z-index:7;color:#FFFFFF;font-size:78%; left:68.35px;top:128.99px;">the insured and a refrigeration service or maintenance company. The </span><span data-textwidth="528.93" class="sg nowrap f2" style="z-index:8;color:#FFFFFF;font-size:78%; left:68.35px;top:143.75px;">agreement must be maintained in full force for the entire policy period </span><span data-textwidth="482.00" class="sg nowrap f2" style="z-index:9;color:#FFFFFF;font-size:78%; left:68.35px;top:158.64px;">else there are extreme consequences in relation to the coverage; </span><span data-textwidth="502.40" class="sg nowrap f2" style="z-index:10;color:#FFFFFF;font-size:78%; left:127.75px;top:221.29px;">If the insurance carrier discovers the cancellation of a maintenance </span><span data-textwidth="545.97" class="sg nowrap f2" style="z-index:11;color:#FFFFFF;font-size:78%; left:127.75px;top:236.05px;">agreement following an otherwise covered loss, they have the contractual </span><span data-textwidth="494.84" class="sg nowrap f2" style="z-index:12;color:#FFFFFF;font-size:78%; left:127.75px;top:250.82px;">right to deny coverage for failure to comply with policy provisions.</span></p></div></div><img class="sg" src="45D15C87.png" id="s85_i" style="z-index:1;left:0px;top:0px;width:794.74px;height:286.72px" > </div> <div class="sg" id="s86" data-sgid="Footer Placeholder 3" style="z-index:4;left:85.04px;top:492.99px;width:498.96px;height:29.62px" data-valign="middle" data-pointer-events="none"> <div id="s86_t" class="sg" style="z-index:2;left:0.00px;top:0.00px;width:498.96px;height:29.62px;"><div><p para="{spaf:6.00}"><span data-textwidth="258.40" class="sg nowrap f2" style="z-index:2;color:#696464;font-size:61%; left:7.86px;top:10.68px;">© Copyright 2017 - MRD Training &amp; Consulting Inc.</span></p></div></div></div> <div class="sg sgTitle" id="s88" data-sgid="Title 1" style="z-index:2;left:83.71px;top:37.65px;width:792.47px;height:127.49px" data-valign="middle" data-pointer-events="none"> <img class="sg" src="AAB4A927.png" id="s88_tt" style="left:0.00px;top:0.00px;width:792.47px;height:127.49px;z-index:1" > </div> <div class="sg" id="s87" data-sgid="Rectangle 12" style="z-index:1;left:83.49px;top:157.93px;width:792.44px;height:7.21px" data-pointer-events="none"> <img class="sg" src="8CC195EC.png" id="s87_i" style="z-index:1;left:0px;top:0px;width:792.44px;height:7.21px" > </div> <div class="sg" id="s89" data-sgid="Content Placeholder 2" style="z-index:3;left:83.71px;top:157.59px;width:792.47px;height:336.96px"> <div id="s89_t" class="sg" style="z-index:2;left:0px;top:0px;width:792.47px;height:336.96px;"><div><p><span data-textwidth="185.55" class="sg nowrap f2" style="z-index:2;color:#000000;font-size:83%; left:317.40px;top:30.89px;">This coverage does not </span><span data-textwidth="171.99" class="sg nowrap f2" style="z-index:3;color:#000000;font-size:83%; left:324.36px;top:46.74px;">cover loss or damage </span><span data-textwidth="171.63" class="sg nowrap f2" style="z-index:4;color:#000000;font-size:83%; left:324.60px;top:62.58px;">resulting from partial </span><span data-textwidth="180.99" class="sg nowrap f2" style="z-index:5;color:#000000;font-size:83%; left:319.68px;top:78.42px;">or total interruption to </span><span data-textwidth="106.58" class="sg nowrap f2" style="z-index:6;color:#000000;font-size:83%; left:357.00px;top:94.27px;">the supply of </span><span data-textwidth="146.78" class="sg nowrap f2" style="z-index:7;color:#000000;font-size:83%; left:337.08px;top:110.11px;">“services” arising </span><span data-textwidth="44.53" class="sg nowrap f2" style="z-index:8;color:#000000;font-size:83%; left:388.09px;top:125.95px;">from: </span><span data-textwidth="165.75" class="sg nowrap f2" style="z-index:9;color:#000000;font-size:78%; left:81.20px;top:220.89px;">loss or damage to any </span><span data-textwidth="172.47" class="sg nowrap f2" style="z-index:10;color:#000000;font-size:78%; left:77.96px;top:235.66px;">electrical transmission </span><span data-textwidth="151.83" class="sg nowrap f2" style="z-index:11;color:#000000;font-size:78%; left:88.28px;top:250.42px;">lines or distribution </span><span data-textwidth="185.67" class="sg nowrap f2" style="z-index:12;color:#000000;font-size:78%; left:71.36px;top:265.30px;">lines or their supporting </span><span data-textwidth="162.15" class="sg nowrap f2" style="z-index:13;color:#000000;font-size:78%; left:83.00px;top:280.07px;">structures, except for </span><span data-textwidth="153.87" class="sg nowrap f2" style="z-index:14;color:#000000;font-size:78%; left:87.20px;top:294.83px;">those located on the </span><span data-textwidth="92.06" class="sg nowrap f2" style="z-index:15;color:#000000;font-size:78%; left:118.16px;top:309.59px;">“premises”; </span><span data-textwidth="142.34" class="sg nowrap f2" style="z-index:16;color:#000000;font-size:89%; left:339.36px;top:255.58px;">lack of sufficient </span><span data-textwidth="73.81" class="sg nowrap f2" style="z-index:17;color:#000000;font-size:89%; left:370.81px;top:272.51px;">capacity.</span><span data-textwidth="178.23" class="sg nowrap f2" style="z-index:18;color:#000000;font-size:89%; left:567.28px;top:255.58px;">intentional reduction </span><span data-textwidth="80.29" class="sg nowrap f2" style="z-index:19;color:#000000;font-size:89%; left:613.49px;top:272.51px;">in supply.</span></p></div></div><img class="sg" src="FB710105.png" id="s89_i" style="z-index:1;left:0px;top:0px;width:792.47px;height:336.96px" > </div> <div class="sg" id="s90" data-sgid="Footer Placeholder 3" style="z-index:4;left:85.04px;top:492.99px;width:498.96px;height:29.62px" data-valign="middle" data-pointer-events="none"> <div id="s90_t" class="sg" style="z-index:2;left:0.00px;top:0.00px;width:498.96px;height:29.62px;"><div><p para="{spaf:6.00}"><span data-textwidth="258.40" class="sg nowrap f2" style="z-index:2;color:#696464;font-size:61%; left:7.86px;top:10.68px;">© Copyright 2017 - MRD Training &amp; Consulting Inc.</span></p></div></div></div> <div class="sg sgTitle" id="s94" data-sgid="Title 1" style="z-index:4;left:163.49px;top:50.13px;width:264.34px;height:439.29px" data-valign="middle" data-pointer-events="none"> <div id="s94_t" class="sg" style="z-index:2;left:-21.83px;top:0.00px;width:293.99px;height:439.29px;"><div><p><span data-textwidth="235.60" class="sg nowrap f1" style="z-index:2;font-size:267%; left:29.49px;top:167.28px;">PEAK SEASON </span><span data-textwidth="159.15" class="sg nowrap f1" style="z-index:3;font-size:267%; left:29.49px;top:219.13px;">COVERAGE</span></p></div></div></div> <div class="sg" id="s92" data-sgid="Rectangle 21" style="z-index:2;left:0.00px;top:-0.48px;width:114.07px;height:540.48px" data-fillcolor="16777215"> <img class="sg" src="37D7DC65114x540.png" id="s92_i" style="z-index:1;left:0px;top:0px;width:114.07px;height:540.48px" > </div> <div class="sg" id="s93" data-sgid="Rectangle 23" style="z-index:3;left:112.74px;top:-0.48px;width:367.14px;height:540.48px" data-pointer-events="none"> <img class="sg" src="21BCAE35.png" id="s93_i" style="z-index:1;left:0px;top:0px;width:367.14px;height:540.48px" > </div> <div class="sg" id="s91" data-sgid="Rectangle 19" style="z-index:1;left:0.00px;top:-0.48px;width:960.15px;height:540.48px" data-pointer-events="none"> <img class="sg" src="40485B4F960x540.png" id="s91_i" style="z-index:1;left:0px;top:0px;width:960.15px;height:540.48px" > </div> <div class="sg" id="s95" data-sgid="Content Placeholder 4" style="z-index:5;left:532.55px;top:50.13px;width:357.79px;height:439.29px" data-valign="middle" data-pointer-events="none"> <div id="s95_t" class="sg" style="z-index:2;left:-1.92px;top:0.00px;width:360.20px;height:439.29px;"><div><p para="{bl:{ch:167},spbf:12.00}"></p><p para="{spbf:12.00}"><span data-textwidth="227.08" class="sg nowrap f4" style="z-index:2;font-style:italic; font-weight:bold; font-size:83%; left:9.94px;top:47.73px;"><u>Peak Season Increase Extension</u></span></p><p para="{bl:{ch:167},spbf:12.00}"><span data-textwidth="341.21" class="sg nowrap f3" style="z-index:3;color:#9E3611;font-size:72%; left:9.94px;top:78.58px;">&#61607;<span class="f2" style="font-size:115%; color:#000000;"><span style="letter-spacing:4.80px"> </span>The limit of liability for Contents insured under </span></span><span data-textwidth="321.05" class="sg nowrap f2" style="z-index:5;font-size:83%; left:24.34px;top:92.86px;">this Policy shall be automatically increased by </span><span data-textwidth="274.25" class="sg nowrap f2" style="z-index:6;font-size:83%; left:24.34px;top:109.07px;">25% to provide for seasonal variations. </span><span data-textwidth="309.17" class="sg nowrap f2" style="z-index:7;font-size:83%; left:24.34px;top:125.27px;">However, this increase shall not apply unless </span><span data-textwidth="298.13" class="sg nowrap f2" style="z-index:8;font-size:83%; left:24.34px;top:141.47px;">the limit of liability for Contents is 100% or </span><span data-textwidth="314.57" class="sg nowrap f2" style="z-index:9;font-size:83%; left:24.34px;top:157.68px;">more of the Insured’s average monthly values </span><span data-textwidth="314.09" class="sg nowrap f2" style="z-index:10;font-size:83%; left:24.34px;top:173.88px;">for the 12 months immediately preceding the </span><span data-textwidth="317.09" class="sg nowrap f2" style="z-index:11;font-size:83%; left:24.34px;top:190.08px;">latest effective date (inception or renewal), or </span><span data-textwidth="312.65" class="sg nowrap f2" style="z-index:12;font-size:83%; left:24.34px;top:206.29px;">in the event the Insured has been in business </span><span data-textwidth="321.29" class="sg nowrap f2" style="z-index:13;font-size:83%; left:24.34px;top:222.49px;">for less than 12 months, such shorter period of </span><span data-textwidth="37.09" class="sg nowrap f2" style="z-index:14;font-size:83%; left:24.34px;top:238.69px;">time. </span></p><p></p><p para="{spbf:12.00}"><span data-textwidth="187.11" class="sg nowrap f4" style="z-index:15;font-style:italic; font-weight:bold; font-size:83%; left:9.94px;top:294.39px;"><u>Peak Season Endorsement</u></span></p><p para="{bl:{ch:167},spbf:12.00}"><span data-textwidth="341.33" class="sg nowrap f3" style="z-index:16;color:#9E3611;font-size:72%; left:9.94px;top:325.23px;">&#61607;<span class="f2" style="font-size:115%; color:#000000;"><span style="letter-spacing:4.68px"> </span>A property endorsement that allows an insured </span></span><span data-textwidth="282.29" class="sg nowrap f2" style="z-index:18;font-size:83%; left:24.34px;top:339.52px;">to purchase additional property damage </span><span data-textwidth="276.77" class="sg nowrap f2" style="z-index:19;font-size:83%; left:24.34px;top:355.72px;">insurance for specified cyclical periods </span><span data-textwidth="286.85" class="sg nowrap f2" style="z-index:20;font-size:83%; left:24.34px;top:371.92px;">occurring on a regular basis. The insured </span><span data-textwidth="296.81" class="sg nowrap f2" style="z-index:21;font-size:83%; left:24.34px;top:388.13px;">purchases an underlying limit that remains </span><span data-textwidth="244.12" class="sg nowrap f2" style="z-index:22;font-size:83%; left:24.34px;top:404.33px;">constant throughout the entire year.</span></p></div></div><img class="sg" src="3C4B908E720x879.png" id="s95_tt" style="left:-1.92px;top:0.00px;width:360.20px;height:439.29px;z-index:1" > </div> <div class="sg" id="s96" data-sgid="Footer Placeholder 5" style="z-index:6;left:531.11px;top:492.99px;width:345.08px;height:29.62px" data-valign="middle" data-pointer-events="none"> <div id="s96_t" class="sg" style="z-index:2;left:0.00px;top:0.00px;width:345.08px;height:29.62px;"><div><p para="{spaf:6.00}"><span data-textwidth="258.41" class="sg nowrap f2" style="z-index:2;color:#696464;font-size:61%; left:8.02px;top:10.68px;">© Copyright 2017 - MRD Training &amp; Consulting Inc.</span></p></div></div></div> <div class="sg sgTitle" id="s102" data-sgid="Title 8" style="z-index:10;left:390.64px;top:37.65px;width:530.51px;height:127.49px" data-valign="middle" data-pointer-events="none"> <img class="sg" src="EAFBF10.png" id="s102_tt" style="left:0.00px;top:0.00px;width:530.51px;height:127.49px;z-index:1" > </div> <div class="sg" id="s100" data-sgid="Content Placeholder 11" style="z-index:6;left:0.00px;top:-0.48px;width:353.09px;height:264.31px"> <img class="sg" src="EB6D68CF.jpg" id="s100_i" style="z-index:1;left:0px;top:0px;width:353.09px;height:264.31px" > </div> <div class="sg" id="s99" data-sgid="Rectangle 35" style="z-index:5;left:365.47px;top:-0.48px;width:594.43px;height:540.48px" data-pointer-events="none"> <img class="sg" src="553BAF45.png" id="s99_i" style="z-index:1;left:0px;top:0px;width:594.43px;height:540.48px" > </div> <div class="sg" id="s103" data-sgid="Content Placeholder 10" style="z-index:11;left:390.64px;top:166.44px;width:530.51px;height:319.60px" data-valign="top" data-pointer-events="none"> <div id="s103_t" class="sg" style="z-index:2;left:-4.19px;top:-6.47px;width:538.56px;height:326.07px;"><div><p para="{bl:{ch:167},spbf:12.00}"><span data-textwidth="462.91" class="sg nowrap f3" style="z-index:2;color:#9E3611;font-size:111%; left:12.14px;top:11.63px;">&#61607;<span class="f2" style="font-size:120%; color:#000000;position:relative;bottom:-2px;"> The automatic fire suppression recharge </span></span><span data-textwidth="440.11" class="sg nowrap f2" style="z-index:4;font-size:133%; left:26.54px;top:37.55px;">expense incurred by the Insured due to </span><span data-textwidth="488.72" class="sg nowrap f2" style="z-index:5;font-size:133%; left:26.54px;top:63.48px;">leakage or discharge of the fire suppressant </span><span data-textwidth="497.72" class="sg nowrap f2" style="z-index:6;font-size:133%; left:26.30px;top:89.40px;">within any automatic fire suppression system </span><span data-textwidth="461.00" class="sg nowrap f2" style="z-index:7;font-size:133%; left:26.54px;top:115.33px;">at the premises of the insured where such </span><span data-textwidth="494.84" class="sg nowrap f2" style="z-index:8;font-size:133%; left:26.54px;top:141.26px;">discharge, or leakage is caused by or results </span><span data-textwidth="427.27" class="sg nowrap f2" style="z-index:9;font-size:133%; left:26.54px;top:167.18px;">from an insured peril under the policy. </span></p></div></div></div> <div class="sg" id="s98" data-sgid="Picture 12" style="z-index:4;left:0.00px;top:275.72px;width:353.09px;height:264.28px"> <img class="sg" src="7A723AE3.jpg" id="s98_i" style="z-index:1;left:0px;top:0px;width:353.09px;height:264.28px" > </div> <div class="sg" id="s104" data-sgid="Footer Placeholder 1" style="z-index:12;left:387.64px;top:492.99px;width:498.96px;height:29.62px" data-valign="middle" data-pointer-events="none"> <div id="s104_t" class="sg" style="z-index:2;left:0.00px;top:0.00px;width:498.96px;height:29.62px;"><div><p para="{spaf:6.00}"><span data-textwidth="258.40" class="sg nowrap f2" style="z-index:2;color:#696464;font-size:61%; left:8.07px;top:10.68px;">© Copyright 2017 - MRD Training &amp; Consulting Inc.</span></p></div></div></div> <div class="sg" id="s101" data-sgid="Group 37" style="z-index:7;left:896.80px;top:489.65px;width:36.84px;height:36.94px"> <img class="sg" src="3109C09237x37.png" id="s101_i" style="z-index:1;left:0px;top:0px;width:36.84px;height:36.94px" > </div> <div class="sg" id="s97" data-sgid="Group 31" style="z-index:1;left:896.80px;top:489.65px;width:36.84px;height:36.94px"> <img class="sg" src="3109C09237x37.png" id="s97_i" style="z-index:1;left:0px;top:0px;width:36.84px;height:36.94px" > </div> <div class="sg sgTitle" id="s112" data-sgid="Title 1" style="z-index:2;left:666.87px;top:49.90px;width:240.60px;height:408.20px" data-valign="middle" data-pointer-events="none"> <img class="sg" src="F5694C65.png" id="s112_tt" style="left:0.00px;top:0.00px;width:240.60px;height:408.20px;z-index:1" > </div> <div class="sg" id="s111" data-sgid="Rectangle 11" style="z-index:1;left:616.26px;top:-0.48px;width:343.63px;height:540.48px" data-pointer-events="none"> <img class="sg" src="1AB54DD9.png" id="s111_i" style="z-index:1;left:0px;top:0px;width:343.63px;height:540.48px" > </div> <div class="sg" id="s115" data-sgid="Content Placeholder 2" style="z-index:7;left:48.46px;top:49.90px;width:518.17px;height:440.60px"> <div id="s115_t" class="sg" style="z-index:2;left:0px;top:0px;width:518.17px;height:440.60px;"><div><p><span data-textwidth="331.62" class="sg nowrap f2" style="z-index:2;color:#FFFFFF;font-size:83%; left:159.05px;top:16.03px;">Coverage for loss due to lack of incoming </span><span data-textwidth="290.69" class="sg nowrap f2" style="z-index:3;color:#FFFFFF;font-size:83%; left:159.05px;top:31.88px;">electricity caused by damage from a </span><span data-textwidth="346.14" class="sg nowrap f2" style="z-index:4;color:#FFFFFF;font-size:83%; left:159.05px;top:47.72px;">covered cause (such as a fire or windstorm) </span><span data-textwidth="282.53" class="sg nowrap f2" style="z-index:5;color:#FFFFFF;font-size:83%; left:159.05px;top:63.56px;">to property away from the insured&#39;s </span><span data-textwidth="318.18" class="sg nowrap f2" style="z-index:6;color:#FFFFFF;font-size:83%; left:159.05px;top:79.41px;">premises—usually the utility generating </span><span data-textwidth="61.45" class="sg nowrap f2" style="z-index:9;color:#FFFFFF;font-size:83%; left:159.05px;top:95.25px;">station. </span><span data-textwidth="313.74" class="sg nowrap f2" style="z-index:10;color:#FFFFFF;font-size:83%; left:158.93px;top:188.99px;">Also referred to as &quot;off-premises power </span><span data-textwidth="302.45" class="sg nowrap f2" style="z-index:13;color:#FFFFFF;font-size:83%; left:159.05px;top:204.84px;">coverage.&quot; Not provided in a standard </span><span data-textwidth="339.42" class="sg nowrap f2" style="z-index:14;color:#FFFFFF;font-size:83%; left:159.05px;top:220.68px;">property insurance policy but available by </span><span data-textwidth="111.50" class="sg nowrap f2" style="z-index:15;color:#FFFFFF;font-size:83%; left:159.05px;top:236.52px;">endorsement. </span><span data-textwidth="291.41" class="sg nowrap f2" style="z-index:16;color:#FFFFFF;font-size:83%; left:159.05px;top:338.19px;">Utility service interruption coverage </span><span data-textwidth="345.42" class="sg nowrap f2" style="z-index:17;color:#FFFFFF;font-size:83%; left:159.05px;top:354.03px;">endorsements vary widely as to what utility </span><span data-textwidth="337.62" class="sg nowrap f2" style="z-index:18;color:#FFFFFF;font-size:83%; left:159.05px;top:369.87px;">services are included, whether both direct </span><span data-textwidth="344.58" class="sg nowrap f2" style="z-index:19;color:#FFFFFF;font-size:83%; left:159.05px;top:385.72px;">damage and time element loss are covered, </span><span data-textwidth="345.42" class="sg nowrap f2" style="z-index:20;color:#FFFFFF;font-size:83%; left:159.05px;top:401.56px;">and whether transmission lines are covered.</span></p></div></div><img class="sg" src="CF112DB9.png" id="s115_i" style="z-index:1;left:0px;top:0px;width:518.17px;height:440.60px" > </div> <div class="sg" id="s113" data-sgid="Footer Placeholder 3" style="z-index:3;left:85.04px;top:492.99px;width:498.96px;height:29.62px" data-valign="middle" data-pointer-events="none"> <div id="s113_t" class="sg" style="z-index:2;left:0.00px;top:0.00px;width:498.96px;height:29.62px;"><div><p para="{spaf:6.00}"><span data-textwidth="258.40" class="sg nowrap f2" style="z-index:2;color:#696464;font-size:61%; left:7.86px;top:10.68px;">© Copyright 2017 - MRD Training &amp; Consulting Inc.</span></p></div></div></div> <div class="sg" id="s114" data-sgid="Group 13" style="z-index:4;left:896.80px;top:489.65px;width:36.84px;height:36.94px"> <img class="sg" src="3109C09237x37.png" id="s114_i" style="z-index:1;left:0px;top:0px;width:36.84px;height:36.94px" > </div> <div class="sg sgTitle" id="s119" data-sgid="Title 5" style="z-index:6;left:29.62px;top:37.65px;width:531.59px;height:127.49px" data-valign="middle" data-pointer-events="none"> <img class="sg" src="5BF8F70E.png" id="s119_tt" style="left:0.00px;top:0.00px;width:531.59px;height:127.49px;z-index:1" > </div> <div class="sg" id="s116" data-sgid="Rectangle 11" style="z-index:1;left:0.00px;top:-0.48px;width:960.38px;height:540.48px" data-pointer-events="none"> <img class="sg" src="8C5B6436.png" id="s116_i" style="z-index:1;left:0px;top:0px;width:960.38px;height:540.48px" > </div> <div class="sg" id="s117" data-sgid="Picture 6" style="z-index:2;left:593.35px;top:-0.48px;width:366.54px;height:540.48px"> <img class="sg" src="5134AC7C.jpg" id="s117_i" style="z-index:1;left:0px;top:0px;width:366.54px;height:540.48px" > </div> <div class="sg" id="s120" data-sgid="Content Placeholder 2" style="z-index:7;left:29.62px;top:166.44px;width:531.59px;height:319.60px" data-valign="top" data-pointer-events="none"> <div id="s120_t" class="sg" style="z-index:2;left:-4.30px;top:-6.47px;width:547.16px;height:326.07px;"><div><p para="{bl:{ch:167},spbf:12.00}"><span data-textwidth="435.91" class="sg nowrap f3" style="z-index:2;color:#9E3611;font-size:111%; left:12.01px;top:11.63px;">&#61607;<span class="f2" style="font-size:120%; color:#000000;position:relative;bottom:-2px;"> This extension insures, the increase in </span></span><span data-textwidth="478.52" class="sg nowrap f2" style="z-index:4;font-size:133%; left:26.41px;top:37.55px;">mortgage cost required as a result of direct </span><span data-textwidth="474.08" class="sg nowrap f2" style="z-index:5;font-size:133%; left:26.41px;top:63.48px;">physical loss of or damage to “Building(s)” </span><span data-textwidth="485.24" class="sg nowrap f2" style="z-index:6;font-size:133%; left:26.41px;top:89.40px;">from an insured peril where loss or damage </span><span data-textwidth="405.67" class="sg nowrap f2" style="z-index:7;font-size:133%; left:26.41px;top:115.33px;">is deemed to be total, and where the </span><span data-textwidth="477.32" class="sg nowrap f2" style="z-index:8;font-size:133%; left:26.41px;top:141.26px;">mortgagor at the time of the loss closes the </span><span data-textwidth="506.24" class="sg nowrap f2" style="z-index:9;font-size:133%; left:26.41px;top:167.18px;">existing mortgage, requiring a new mortgage </span><span data-textwidth="433.15" class="sg nowrap f2" style="z-index:10;font-size:133%; left:26.41px;top:193.11px;">at a higher, competitive rate of interest. </span></p><p para="{bl:{ch:167},spbf:12.00}"><span data-textwidth="519.92" class="sg nowrap f3" style="z-index:11;color:#9E3611;font-size:111%; left:12.01px;top:231.04px;">&#61607;<span class="f2" style="font-size:120%; color:#000000;position:relative;bottom:-2px;"> Terms of the new mortgage must be the same </span></span><span data-textwidth="489.20" class="sg nowrap f2" style="z-index:13;font-size:133%; left:26.41px;top:256.96px;">in time frame, amortization, and interest rate </span><span data-textwidth="419.23" class="sg nowrap f2" style="z-index:14;font-size:133%; left:26.41px;top:282.89px;">option of the mortgage at time of loss. </span></p></div></div></div> <div class="sg" id="s121" data-sgid="Footer Placeholder 3" style="z-index:8;left:29.62px;top:492.99px;width:350.00px;height:29.62px" data-valign="middle" data-pointer-events="none"> <div id="s121_t" class="sg" style="z-index:2;left:0.00px;top:0.00px;width:350.00px;height:29.62px;"><div><p para="{spaf:6.00}"><span data-textwidth="258.40" class="sg nowrap f2" style="z-index:2;color:#696464;font-size:61%; left:7.71px;top:10.68px;">© Copyright 2017 - MRD Training &amp; Consulting Inc.</span></p></div></div></div> <div class="sg" id="s118" data-sgid="Group 13" style="z-index:3;left:896.80px;top:489.65px;width:36.84px;height:36.94px"> <img class="sg" src="3109C09237x37.png" id="s118_i" style="z-index:1;left:0px;top:0px;width:36.84px;height:36.94px" > </div> <div class="sg" id="s122" data-sgid="Rectangle 9" style="z-index:1;left:77.00px;top:35.97px;width:805.41px;height:7.21px" data-pointer-events="none"> <img class="sg" src="B59C47CD.png" id="s122_i" style="z-index:1;left:0px;top:0px;width:805.41px;height:7.21px" > </div> <div class="sg sgTitle" id="s125" data-sgid="Title 3" style="z-index:4;left:83.71px;top:37.65px;width:792.47px;height:127.49px" data-valign="middle" data-pointer-events="none"> <img class="sg" src="E1498186.png" id="s125_tt" style="left:0.00px;top:0.00px;width:792.47px;height:127.49px;z-index:1" > </div> <div class="sg" id="s123" data-sgid="Rectangle 11" style="z-index:2;left:77.00px;top:46.89px;width:805.41px;height:109.84px" data-pointer-events="none"> <img class="sg" src="6657474F.png" id="s123_i" style="z-index:1;left:0px;top:0px;width:805.41px;height:109.84px" > </div> <div class="sg" id="s124" data-sgid="Rectangle 13" style="z-index:3;left:77.00px;top:159.86px;width:805.41px;height:7.32px" data-pointer-events="none"> <img class="sg" src="E9F75A82.png" id="s124_i" style="z-index:1;left:0px;top:0px;width:805.41px;height:7.32px" > </div> <div class="sg" id="s126" data-sgid="Content Placeholder 4" style="z-index:5;left:83.71px;top:182.16px;width:792.47px;height:303.89px" data-valign="top" data-pointer-events="none"> <div id="s126_t" class="sg" style="z-index:2;left:-2.26px;top:-4.91px;width:803.85px;height:308.79px;"><div><p para="{bl:{ch:167},spbf:12.00}"><span data-textwidth="699.71" class="sg nowrap f3" style="z-index:2;color:#9E3611;font-size:94%; left:10.01px;top:10.31px;">&#61607;<span class="f2" style="font-size:118%; color:#000000;"><span style="letter-spacing:1.56px"> </span>This endorsement modifies the insurance provided by Section I – Property </span></span><span data-textwidth="108.38" class="sg nowrap f2" style="z-index:6;font-size:111%; left:24.41px;top:31.92px;">Coverages: </span></p><p></p><p para="{bl:{ch:167},spbf:12.00}"><span data-textwidth="747.00" class="sg nowrap f3" style="z-index:7;color:#9E3611;font-size:94%; left:10.01px;top:99.13px;">&#61607;<span class="f2" style="font-size:118%; color:#000000;"><span style="letter-spacing:1.56px"> </span>Should the dollar sub-limit of Extensions provided be insufficient to provide full </span></span><span data-textwidth="767.65" class="sg nowrap f2" style="z-index:11;font-size:111%; left:24.41px;top:120.74px;">indemnity for any covered loss or damage that results from a single occurrence, the </span><span data-textwidth="709.92" class="sg nowrap f2" style="z-index:12;font-size:111%; left:24.41px;top:142.34px;">Insurer will pay the lesser of the difference between the loss payable and the </span><span data-textwidth="762.85" class="sg nowrap f2" style="z-index:13;font-size:111%; left:24.41px;top:163.95px;">amount required to fully indemnify the insured up to an additional $ amount annual </span><span data-textwidth="103.58" class="sg nowrap f2" style="z-index:14;font-size:111%; left:24.41px;top:185.55px;">aggregate. </span></p><p></p><p para="{bl:{ch:167},spbf:12.00}"><span data-textwidth="777.37" class="sg nowrap f3" style="z-index:15;color:#9E3611;font-size:94%; left:10.01px;top:252.77px;">&#61607;<span class="f2" style="font-size:118%; color:#000000;"><span style="letter-spacing:1.56px"> </span>In the event that claims are made under more than one Extension of Coverage for a </span></span><span data-textwidth="703.68" class="sg nowrap f2" style="z-index:17;font-size:111%; left:24.41px;top:274.37px;">single occurrence, allocation of payment is to be determined by the Insured. </span></p></div></div></div> <div class="sg" id="s127" data-sgid="Footer Placeholder 1" style="z-index:6;left:85.04px;top:492.99px;width:498.96px;height:29.62px" data-valign="middle" data-pointer-events="none"> <div id="s127_t" class="sg" style="z-index:2;left:0.00px;top:0.00px;width:498.96px;height:29.62px;"><div><p para="{spaf:6.00}"><span data-textwidth="258.40" class="sg nowrap f2" style="z-index:2;color:#696464;font-size:61%; left:7.86px;top:10.68px;">© Copyright 2017 - MRD Training &amp; Consulting Inc.</span></p></div></div></div> <div class="sg" id="s128" data-sgid="Rectangle 10" style="z-index:1;left:71.96px;top:105.42px;width:805.53px;height:7.32px" data-pointer-events="none"> <img class="sg" src="F78A48DE.png" id="s128_i" style="z-index:1;left:0px;top:0px;width:805.53px;height:7.32px" > </div> <div class="sg sgTitle" id="s134" data-sgid="Title 3" style="z-index:9;left:82.16px;top:73.76px;width:785.39px;height:278.21px" data-valign="bottom" data-pointer-events="none"> <div id="s134_t" class="sg" style="z-index:2;left:0.00px;top:0.00px;width:785.39px;height:332.17px;"><div><p para="{al:2}"><span data-textwidth="626.14" class="sg nowrap f1" style="z-index:2;color:#FFFFFF;font-size:533%; left:96.19px;top:76.95px;">LET’S TALK ABOUT </span><span data-textwidth="583.42" class="sg nowrap f1" style="z-index:3;color:#FFFFFF;font-size:533%; left:101.35px;top:169.13px;">FLOATER POLICIES</span></p></div></div></div> <div class="sg" id="s130" data-sgid="Rectangle 14" style="z-index:3;left:71.96px;top:116.31px;width:805.53px;height:216.71px" data-pointer-events="none"> <img class="sg" src="E7AFAE2.png" id="s130_i" style="z-index:1;left:0px;top:0px;width:805.53px;height:216.71px" > </div> <div class="sg" id="s132" data-sgid="Rectangle 20" style="z-index:7;left:0.00px;top:-0.48px;width:960.15px;height:540.48px" data-fillcolor="16777215"> <img class="sg" src="2B1DD43C960x540.png" id="s132_i" style="z-index:1;left:0px;top:0px;width:960.15px;height:540.48px" > </div> <div class="sg" id="s129" data-sgid="Rectangle 12" style="z-index:2;left:71.96px;top:337.82px;width:805.53px;height:7.21px" data-pointer-events="none"> <img class="sg" src="10418CCE.png" id="s129_i" style="z-index:1;left:0px;top:0px;width:805.53px;height:7.21px" > </div> <div class="sg" id="s133" data-sgid="Straight Connector 22" style="z-index:8;left:119.45px;top:357.13px;width:721.70px;height:3.12px" data-pointer-events="none"> <img class="sg" src="B75909D4722x3.png" id="s133_i" style="z-index:1;left:0px;top:0px;width:721.70px;height:2.12px" > </div> <div class="sg" id="s131" data-sgid="Group 16" style="z-index:4;left:758.88px;top:319.72px;width:85.98px;height:85.87px"> <img class="sg" src="872311F6.png" id="s131_i" style="z-index:1;left:0px;top:0px;width:85.98px;height:85.87px" > </div> <div class="sg" id="s135" data-sgid="Text Placeholder 4" style="z-index:10;left:83.71px;top:365.42px;width:783.83px;height:117.76px" data-pointer-events="none"> <div style='width:100%;height:100%;background:rgba(0,0,0,0)'></div></div> <div class="sg" id="s136" data-sgid="Footer Placeholder 5" style="z-index:11;left:85.04px;top:492.99px;width:498.96px;height:29.62px" data-valign="middle" data-pointer-events="none"> <img class="sg" src="FE24E344.png" id="s136_tt" style="left:0.00px;top:0.00px;width:498.96px;height:29.62px;z-index:1" > </div> <div class="sg" id="s139" data-sgid="Content Placeholder 4" style="z-index:3;left:397.13px;top:46.78px;width:479.06px;height:439.26px" data-valign="middle" data-pointer-events="none"> <div id="s139_t" class="sg" style="z-index:2;left:-2.16px;top:0.00px;width:490.19px;height:441.90px;"><div><p para="{bl:{ch:167},spbf:12.00}"><span data-textwidth="467.96" class="sg nowrap f3" style="z-index:2;color:#9E3611;font-size:94%; left:10.22px;top:11.15px;">&#61607;<span class="f2" style="font-size:118%; color:#000000;"><span style="letter-spacing:1.56px"> </span>These policies are designed to provide coverage </span></span><span data-textwidth="439.15" class="sg nowrap f2" style="z-index:4;font-size:111%; left:24.62px;top:32.76px;">for items that are mobile or moveable in nature. </span></p><p para="{in:2,bl:{ch:167},spbf:4.00,spaf:2.00}"><span data-textwidth="408.55" class="sg nowrap f3" style="z-index:5;color:#9E3611;font-size:83%; left:31.82px;top:58.44px;">&#61607;<span class="f2" style="font-size:120%; color:#000000;position:relative;bottom:-2px;"><span style="letter-spacing:2.88px"> </span>In transit (e.g., power tools taken to a work site).</span></span></p><p para="{in:2,bl:{ch:167},spbf:4.00,spaf:2.00}"><span data-textwidth="392.70" class="sg nowrap f3" style="z-index:7;color:#9E3611;font-size:83%; left:31.82px;top:83.89px;">&#61607;<span class="f2" style="font-size:120%; color:#000000;position:relative;bottom:-2px;"><span style="letter-spacing:2.88px"> </span>In the custody or control of another person or </span></span><span data-textwidth="391.99" class="sg nowrap f2" style="z-index:9;left:46.22px;top:103.33px;">company (e.g., a backhoe your client loans to a </span><span data-textwidth="62.41" class="sg nowrap f2" style="z-index:10;left:46.22px;top:122.78px;">friend).</span></p><p para="{in:2,bl:{ch:167},spbf:4.00,spaf:2.00}"><span data-textwidth="431.59" class="sg nowrap f3" style="z-index:11;color:#9E3611;font-size:83%; left:31.82px;top:148.22px;">&#61607;<span class="f2" style="font-size:120%; color:#000000;position:relative;bottom:-2px;"><span style="letter-spacing:2.76px"> </span>An instrument of transit (e.g., an office trailer used </span></span><span data-textwidth="112.34" class="sg nowrap f2" style="z-index:13;left:46.22px;top:167.67px;">on a job site).</span></p><p para="{in:2,bl:{ch:167},spbf:4.00,spaf:2.00}"><span data-textwidth="427.99" class="sg nowrap f3" style="z-index:14;color:#9E3611;font-size:83%; left:31.82px;top:193.11px;">&#61607;<span class="f2" style="font-size:120%; color:#000000;position:relative;bottom:-2px;"><span style="letter-spacing:2.76px"> </span>A moveable good that is often needed in different </span></span><span data-textwidth="405.79" class="sg nowrap f2" style="z-index:16;left:46.22px;top:212.56px;">locations (e.g., blueprints taken to a construction </span><span data-textwidth="41.29" class="sg nowrap f2" style="z-index:17;left:46.22px;top:232.00px;">site).</span></p><p></p><p para="{bl:{ch:167},spbf:12.00}"><span data-textwidth="407.95" class="sg nowrap f3" style="z-index:18;color:#9E3611;font-size:94%; left:10.22px;top:298.98px;">&#61607;<span class="f2" style="font-size:118%; color:#000000;"><span style="letter-spacing:1.56px"> </span>The exposure is greater as the items are in </span></span><span data-textwidth="412.27" class="sg nowrap f2" style="z-index:20;font-size:111%; left:24.62px;top:320.58px;">transit and therefore subject to greater perils</span></p><p></p><p para="{bl:{ch:167},spbf:12.00}"><span data-textwidth="463.99" class="sg nowrap f3" style="z-index:21;color:#9E3611;font-size:94%; left:10.22px;top:387.80px;">&#61607;<span class="f2" style="font-size:118%; color:#000000;"><span style="letter-spacing:1.56px"> </span>Coverage is typically provided on an actual cash </span></span><span data-textwidth="223.84" class="sg nowrap f2" style="z-index:23;font-size:111%; left:24.62px;top:409.40px;">value basis and all risks</span></p></div></div></div> <div class="sg sgTitle" id="s138" data-sgid="Title 3" style="z-index:2;left:50.13px;top:50.13px;width:290.98px;height:435.91px" data-valign="middle" data-pointer-events="none"> <div id="s138_t" class="sg" style="z-index:2;left:0.00px;top:0.00px;width:312.59px;height:435.91px;"><div><p para="{al:3}"><span data-textwidth="154.11" class="sg nowrap f1" style="z-index:2;color:#FFFFFF;font-size:267%; left:129.42px;top:191.52px;">FLOATERS</span></p></div></div></div> <div class="sg" id="s137" data-sgid="Rectangle 10" style="z-index:1;left:0.00px;top:-0.48px;width:366.66px;height:540.48px" data-pointer-events="none"> <img class="sg" src="2DB3B286.jpg" id="s137_i" style="z-index:1;left:0px;top:0px;width:366.66px;height:540.48px" > </div> <div class="sg" id="s140" data-sgid="Footer Placeholder 5" style="z-index:4;left:397.13px;top:492.99px;width:479.06px;height:29.62px" data-valign="middle" data-pointer-events="none"> <div id="s140_t" class="sg" style="z-index:2;left:0.00px;top:0.00px;width:479.06px;height:29.62px;"><div><p para="{spaf:6.00}"><span data-textwidth="258.40" class="sg nowrap f2" style="z-index:2;color:#696464;font-size:61%; left:8.06px;top:10.68px;">© Copyright 2017 - MRD Training &amp; Consulting Inc.</span></p></div></div></div> <div class="sg sgTitle" id="s144" data-sgid="Title 5" style="z-index:6;left:619.97px;top:16.91px;width:301.18px;height:91.26px" data-valign="middle" data-pointer-events="none"> <img class="sg" src="74024C2B.png" id="s144_tt" style="left:0.00px;top:0.00px;width:301.18px;height:91.26px;z-index:1" > </div> <div class="sg" id="s141" data-sgid="Rectangle 11" style="z-index:1;left:0.00px;top:-0.48px;width:960.38px;height:540.48px" data-pointer-events="none"> <img class="sg" src="8C5B6436.png" id="s141_i" style="z-index:1;left:0px;top:0px;width:960.38px;height:540.48px" > </div> <div class="sg" id="s142" data-sgid="Picture 6" style="z-index:2;left:0.00px;top:-0.48px;width:594.91px;height:540.48px"> <img class="sg" src="41BC0364.jpg" id="s142_i" style="z-index:1;left:0px;top:0px;width:594.91px;height:540.48px" > </div> <div class="sg" id="s145" data-sgid="Content Placeholder 2" style="z-index:7;left:619.97px;top:85.87px;width:301.18px;height:400.17px" data-valign="top" data-pointer-events="none"> <div id="s145_t" class="sg" style="z-index:2;left:-1.44px;top:-7.91px;width:309.93px;height:408.09px;"><div><p para="{bl:{ch:167},spbf:12.00}"><span data-textwidth="277.37" class="sg nowrap f3" style="z-index:2;color:#9E3611;font-size:83%; left:9.53px;top:9.50px;">&#61607;<span class="f2" style="font-size:120%; color:#000000;position:relative;bottom:-2px;"><span style="letter-spacing:2.89px"> </span>Provides coverage for property </span></span><span data-textwidth="232.24" class="sg nowrap f2" style="z-index:4;left:23.94px;top:24.62px;">of every description (broad </span><span data-textwidth="275.33" class="sg nowrap f2" style="z-index:5;left:23.94px;top:39.75px;">form) while at the Event Location </span><span data-textwidth="220.24" class="sg nowrap f2" style="z-index:6;left:23.94px;top:54.87px;">and in-transit between the </span><span data-textwidth="270.89" class="sg nowrap f2" style="z-index:9;left:23.94px;top:69.99px;">insured&#39;s business and the event </span><span data-textwidth="227.32" class="sg nowrap f2" style="z-index:10;left:23.94px;top:85.12px;">(3 days before / after show)</span></p><p></p><p para="{bl:{ch:167},spbf:12.00}"><span data-textwidth="222.64" class="sg nowrap f3" style="z-index:11;color:#9E3611;font-size:83%; left:9.53px;top:139.37px;">&#61607;<span class="f2" style="font-size:120%; color:#000000;position:relative;bottom:-2px;"><span style="letter-spacing:2.89px"> </span>Typically not world wide </span></span><span data-textwidth="262.72" class="sg nowrap f2" style="z-index:13;left:23.94px;top:154.49px;">coverage, Canada and USA only</span></p><p></p><p para="{bl:{ch:167},spbf:12.00}"><span data-textwidth="277.61" class="sg nowrap f3" style="z-index:14;color:#9E3611;font-size:83%; left:9.53px;top:208.74px;">&#61607;<span class="f2" style="font-size:120%; color:#000000;position:relative;bottom:-2px;"><span style="letter-spacing:2.89px"> </span>This insurance terminates upon </span></span><span data-textwidth="267.76" class="sg nowrap f2" style="z-index:16;left:23.94px;top:223.87px;">arrival at the final destination or </span><span data-textwidth="250.60" class="sg nowrap f2" style="z-index:17;left:23.94px;top:238.99px;">at the expiration of the period </span><span data-textwidth="251.08" class="sg nowrap f2" style="z-index:18;left:23.94px;top:254.11px;">for which this policy is issued, </span><span data-textwidth="189.99" class="sg nowrap f2" style="z-index:19;left:23.94px;top:269.24px;">whichever first occurs. </span></p><p para="{bl:{ch:167},spbf:12.00}"><span data-textwidth="3.84" class="sg nowrap f3" style="z-index:20;color:#9E3611;font-size:50%; left:9.53px;top:297.72px;">&#61607;</span></p></div></div></div> <div class="sg" id="s146" data-sgid="Footer Placeholder 3" style="z-index:8;left:85.04px;top:492.99px;width:498.96px;height:29.62px" data-valign="middle" data-pointer-events="none"> <div id="s146_t" class="sg" style="z-index:2;left:0.00px;top:0.00px;width:498.96px;height:29.62px;"><div><p para="{spaf:6.00}"><span data-textwidth="258.40" class="sg nowrap f2" style="z-index:2;color:#FFFFFF;font-size:61%; left:7.86px;top:10.68px;">© Copyright 2017 - MRD Training &amp; Consulting Inc.</span></p></div></div></div> <div class="sg" id="s143" data-sgid="Group 13" style="z-index:3;left:896.80px;top:489.65px;width:36.84px;height:36.94px"> <img class="sg" src="3109C09237x37.png" id="s143_i" style="z-index:1;left:0px;top:0px;width:36.84px;height:36.94px" > </div> <div class="sg sgTitle" id="s148" data-sgid="Title 3" style="z-index:2;left:83.71px;top:37.65px;width:792.47px;height:127.49px" data-valign="middle" data-pointer-events="none"> <img class="sg" src="C47297.png" id="s148_tt" style="left:0.00px;top:0.00px;width:792.47px;height:127.49px;z-index:1" > </div> <div class="sg" id="s147" data-sgid="Rectangle 11" style="z-index:1;left:83.49px;top:157.93px;width:792.44px;height:7.21px" data-pointer-events="none"> <img class="sg" src="8CC195EC.png" id="s147_i" style="z-index:1;left:0px;top:0px;width:792.44px;height:7.21px" > </div> <div class="sg" id="s149" data-sgid="Content Placeholder 4" style="z-index:3;left:83.23px;top:186.84px;width:793.43px;height:286.38px"> <div id="s149_t" class="sg" style="z-index:2;left:0px;top:0px;width:793.43px;height:286.38px;"><div><p><span data-textwidth="648.11" class="sg nowrap f2" style="z-index:2;color:#FFFFFF;font-size:144%; left:76.64px;top:202.25px;">An unscheduled property floater usually provides </span><span data-textwidth="502.04" class="sg nowrap f2" style="z-index:3;color:#FFFFFF;font-size:144%; left:146.01px;top:229.73px;">coverage against damage, theft or loss.</span><span data-textwidth="727.20" class="sg nowrap f2" style="z-index:4;color:#FFFFFF;font-size:144%; left:37.03px;top:16.68px;">An insurance product that is added to an existing policy </span><span data-textwidth="748.32" class="sg nowrap f2" style="z-index:5;color:#FFFFFF;font-size:144%; left:26.71px;top:44.17px;">and provides coverage on a classification of property that </span><span data-textwidth="297.29" class="sg nowrap f2" style="z-index:6;color:#FFFFFF;font-size:144%; left:252.23px;top:71.66px;">has not been itemized. </span></p></div></div><img class="sg" src="47918E7B793x286.png" id="s149_i" style="z-index:1;left:0px;top:0px;width:793.43px;height:286.38px" > </div> <div class="sg" id="s150" data-sgid="Footer Placeholder 1" style="z-index:4;left:85.04px;top:492.99px;width:498.96px;height:29.62px" data-valign="middle" data-pointer-events="none"> <div id="s150_t" class="sg" style="z-index:2;left:0.00px;top:0.00px;width:498.96px;height:29.62px;"><div><p para="{spaf:6.00}"><span data-textwidth="258.40" class="sg nowrap f2" style="z-index:2;color:#696464;font-size:61%; left:7.86px;top:10.68px;">© Copyright 2017 - MRD Training &amp; Consulting Inc.</span></p></div></div></div> <div class="sg sgTitle" id="s152" data-sgid="Title 1" style="z-index:2;left:666.87px;top:49.90px;width:240.60px;height:408.20px" data-valign="middle" data-pointer-events="none"> <img class="sg" src="14330728.png" id="s152_tt" style="left:0.00px;top:0.00px;width:240.60px;height:408.20px;z-index:1" > </div> <div class="sg" id="s151" data-sgid="Rectangle 11" style="z-index:1;left:616.26px;top:-0.48px;width:343.63px;height:540.48px" data-pointer-events="none"> <img class="sg" src="1AB54DD9.png" id="s151_i" style="z-index:1;left:0px;top:0px;width:343.63px;height:540.48px" > </div> <div class="sg" id="s155" data-sgid="Content Placeholder 2" style="z-index:7;left:48.46px;top:49.90px;width:521.14px;height:440.60px"> <div id="s155_t" class="sg" style="z-index:2;left:0px;top:0px;width:521.14px;height:440.60px;"><div><p><span data-textwidth="346.50" class="sg nowrap f2" style="z-index:2;color:#FFFFFF;font-size:128%; left:159.05px;top:15.35px;">Designed to cover samples of </span><span data-textwidth="292.25" class="sg nowrap f2" style="z-index:3;color:#FFFFFF;font-size:128%; left:159.05px;top:39.60px;">the insured’s stock in the </span><span data-textwidth="323.93" class="sg nowrap f2" style="z-index:4;color:#FFFFFF;font-size:128%; left:159.05px;top:63.96px;">care, custody and control of </span><span data-textwidth="129.26" class="sg nowrap f2" style="z-index:5;color:#FFFFFF;font-size:128%; left:159.05px;top:88.33px;">the insured</span><span data-textwidth="348.66" class="sg nowrap f2" style="z-index:6;color:#FFFFFF;font-size:128%; left:159.05px;top:196.83px;">Limit per sales representative </span><span data-textwidth="253.24" class="sg nowrap f2" style="z-index:7;color:#FFFFFF;font-size:128%; left:159.05px;top:221.08px;">/ limit per occurrence</span><span data-textwidth="279.89" class="sg nowrap f2" style="z-index:8;color:#FFFFFF;font-size:128%; left:159.05px;top:366.07px;">Co-insurance may apply</span></p></div></div><img class="sg" src="65F734DA.png" id="s155_i" style="z-index:1;left:0px;top:0px;width:521.14px;height:440.60px" > </div> <div class="sg" id="s153" data-sgid="Footer Placeholder 3" style="z-index:3;left:85.04px;top:492.99px;width:498.96px;height:29.62px" data-valign="middle" data-pointer-events="none"> <div id="s153_t" class="sg" style="z-index:2;left:0.00px;top:0.00px;width:498.96px;height:29.62px;"><div><p para="{spaf:6.00}"><span data-textwidth="258.40" class="sg nowrap f2" style="z-index:2;color:#696464;font-size:61%; left:7.86px;top:10.68px;">© Copyright 2017 - MRD Training &amp; Consulting Inc.</span></p></div></div></div> <div class="sg" id="s154" data-sgid="Group 13" style="z-index:4;left:896.80px;top:489.65px;width:36.84px;height:36.94px"> <img class="sg" src="3109C09237x37.png" id="s154_i" style="z-index:1;left:0px;top:0px;width:36.84px;height:36.94px" > </div> <div class="sg" id="s159" data-sgid="Content Placeholder 2" style="z-index:4;left:397.13px;top:46.78px;width:479.06px;height:439.26px" data-valign="middle" data-pointer-events="none"> <div id="s159_t" class="sg" style="z-index:2;left:-2.16px;top:0.00px;width:490.19px;height:439.26px;"><div><p para="{bl:{ch:167},spbf:12.00}"><span data-textwidth="446.35" class="sg nowrap f3" style="z-index:2;color:#9E3611;font-size:94%; left:10.22px;top:117.86px;">&#61607;<span class="f2" style="font-size:118%; color:#000000;"><span style="letter-spacing:1.56px"> </span>Very similar to a contractors equipment policy, </span></span><span data-textwidth="380.10" class="sg nowrap f2" style="z-index:4;font-size:111%; left:24.62px;top:139.46px;">however this form is meant to cover “non-</span><span data-textwidth="417.43" class="sg nowrap f2" style="z-index:6;font-size:111%; left:24.62px;top:161.07px;">contractors” and is designed to cover mobile </span><span data-textwidth="393.55" class="sg nowrap f2" style="z-index:7;font-size:111%; left:24.62px;top:182.67px;">equipment such as self-propelled vehicles </span><span data-textwidth="436.03" class="sg nowrap f2" style="z-index:10;font-size:111%; left:24.62px;top:204.28px;">designed and used primarily to carry mounted </span><span data-textwidth="453.68" class="sg nowrap f2" style="z-index:11;font-size:111%; left:24.62px;top:225.88px;">equipment or vehicles designed for highway use </span><span data-textwidth="433.63" class="sg nowrap f2" style="z-index:12;font-size:111%; left:24.62px;top:247.48px;">that are unlicensed and not operated on public </span><span data-textwidth="51.37" class="sg nowrap f2" style="z-index:13;font-size:111%; left:24.62px;top:269.09px;">roads</span></p></div></div></div> <div class="sg sgTitle" id="s158" data-sgid="Title 1" style="z-index:3;left:50.13px;top:50.13px;width:290.98px;height:435.91px" data-valign="middle" data-pointer-events="none"> <div id="s158_t" class="sg" style="z-index:2;left:0.00px;top:0.00px;width:328.54px;height:435.91px;"><div><p para="{al:3}"><span data-textwidth="134.54" class="sg nowrap f1" style="z-index:2;color:#FFFFFF;font-size:267%; left:164.95px;top:113.75px;">MOBILE </span><span data-textwidth="199.35" class="sg nowrap f1" style="z-index:3;color:#FFFFFF;font-size:267%; left:100.14px;top:165.60px;">EQUIPMENT </span><span data-textwidth="135.62" class="sg nowrap f1" style="z-index:4;color:#FFFFFF;font-size:267%; left:147.90px;top:217.45px;">FLOATER</span></p></div></div></div> <div class="sg" id="s156" data-sgid="Rectangle 9" style="z-index:1;left:0.00px;top:-0.48px;width:960.15px;height:540.48px" data-pointer-events="none"> <img class="sg" src="40485B4F960x540.png" id="s156_i" style="z-index:1;left:0px;top:0px;width:960.15px;height:540.48px" > </div> <div class="sg" id="s157" data-sgid="Rectangle 11" style="z-index:2;left:0.00px;top:-0.48px;width:366.66px;height:540.48px" data-pointer-events="none"> <img class="sg" src="2DB3B286.jpg" id="s157_i" style="z-index:1;left:0px;top:0px;width:366.66px;height:540.48px" > </div> <div class="sg" id="s160" data-sgid="Footer Placeholder 3" style="z-index:5;left:397.13px;top:492.99px;width:479.06px;height:29.62px" data-valign="middle" data-pointer-events="none"> <div id="s160_t" class="sg" style="z-index:2;left:0.00px;top:0.00px;width:479.06px;height:29.62px;"><div><p para="{spaf:6.00}"><span data-textwidth="258.40" class="sg nowrap f2" style="z-index:2;color:#696464;font-size:61%; left:8.06px;top:10.68px;">© Copyright 2017 - MRD Training &amp; Consulting Inc.</span></p></div></div></div> <div class="sg sgTitle" id="s164" data-sgid="Title 3" style="z-index:6;left:503.27px;top:37.65px;width:417.89px;height:127.49px" data-valign="middle" data-pointer-events="none"> <img class="sg" src="816D8692.png" id="s164_tt" style="left:0.00px;top:0.00px;width:417.89px;height:127.49px;z-index:1" > </div> <div class="sg" id="s161" data-sgid="Rectangle 10" style="z-index:1;left:0.00px;top:-0.48px;width:960.38px;height:540.48px" data-pointer-events="none"> <img class="sg" src="8C5B6436.png" id="s161_i" style="z-index:1;left:0px;top:0px;width:960.38px;height:540.48px" > </div> <div class="sg" id="s162" data-sgid="Picture 5" style="z-index:2;left:0.00px;top:-0.48px;width:478.21px;height:540.48px"> <img class="sg" src="E08E23BF.jpg" id="s162_i" style="z-index:1;left:0px;top:0px;width:478.21px;height:540.48px" > </div> <div class="sg" id="s165" data-sgid="Content Placeholder 4" style="z-index:7;left:503.27px;top:166.44px;width:417.89px;height:319.60px" data-valign="top" data-pointer-events="none"> <div id="s165_t" class="sg" style="z-index:2;left:-1.44px;top:-4.06px;width:419.33px;height:323.66px;"><div><p para="{bl:{ch:167},spbf:12.00}"><span data-textwidth="368.22" class="sg nowrap f3" style="z-index:2;color:#9E3611;font-size:83%; left:9.46px;top:9.58px;">&#61607;<span class="f2" style="font-size:120%; color:#000000;position:relative;bottom:-2px;"><span style="letter-spacing:2.88px"> </span>Designed for the equipment that is mobile </span></span><span data-textwidth="324.29" class="sg nowrap f2" style="z-index:4;left:23.86px;top:29.02px;">within hospitals, clinics and technicians</span></p><p></p><p para="{bl:{ch:167},spbf:12.00}"><span data-textwidth="389.22" class="sg nowrap f3" style="z-index:5;color:#9E3611;font-size:83%; left:9.46px;top:91.92px;">&#61607;<span class="f2" style="font-size:120%; color:#000000;position:relative;bottom:-2px;"><span style="letter-spacing:2.88px"> </span>High value equipment and offered on named </span></span><span data-textwidth="168.27" class="sg nowrap f2" style="z-index:7;left:23.86px;top:111.36px;">perils or broad form</span></p><p></p><p para="{bl:{ch:167},spbf:12.00}"><span data-textwidth="329.69" class="sg nowrap f3" style="z-index:8;color:#9E3611;font-size:83%; left:9.46px;top:174.25px;">&#61607;<span class="f2" style="font-size:120%; color:#000000;position:relative;bottom:-2px;"><span style="letter-spacing:2.88px"> </span>Insured on a scheduled per item basis</span></span></p></div></div></div> <div class="sg" id="s166" data-sgid="Footer Placeholder 1" style="z-index:8;left:47.75px;top:492.99px;width:411.15px;height:29.62px" data-valign="middle" data-pointer-events="none"> <div id="s166_t" class="sg" style="z-index:2;left:0.00px;top:0.00px;width:411.15px;height:29.62px;"><div><p para="{spaf:6.00}"><span data-textwidth="258.41" class="sg nowrap f2" style="z-index:2;color:#FFFFFF;font-size:61%; left:7.70px;top:10.68px;">© Copyright 2017 - MRD Training &amp; Consulting Inc.</span></p></div></div></div> <div class="sg" id="s163" data-sgid="Group 12" style="z-index:3;left:896.80px;top:489.65px;width:36.84px;height:36.94px"> <img class="sg" src="3109C09237x37.png" id="s163_i" style="z-index:1;left:0px;top:0px;width:36.84px;height:36.94px" > </div> <div class="sg sgTitle" id="s170" data-sgid="Title 1" style="z-index:6;left:641.44px;top:37.65px;width:279.71px;height:127.49px" data-valign="middle" data-pointer-events="none"> <img class="sg" src="F29B3D0A.png" id="s170_tt" style="left:0.00px;top:0.00px;width:279.71px;height:127.49px;z-index:1" > </div> <div class="sg" id="s167" data-sgid="Rectangle 10" style="z-index:1;left:616.26px;top:-0.48px;width:343.63px;height:540.48px" data-pointer-events="none"> <img class="sg" src="1AB54DD9.png" id="s167_i" style="z-index:1;left:0px;top:0px;width:343.63px;height:540.48px" > </div> <div class="sg" id="s168" data-sgid="Picture 5" style="z-index:2;left:49.30px;top:109.96px;width:542.61px;height:320.45px"> <img class="sg" src="51ADFE54.jpg" id="s168_i" style="z-index:1;left:0px;top:0px;width:542.61px;height:320.45px" > </div> <div class="sg" id="s171" data-sgid="Content Placeholder 2" style="z-index:7;left:641.44px;top:166.44px;width:279.71px;height:319.60px" data-valign="top" data-pointer-events="none"> <div id="s171_t" class="sg" style="z-index:2;left:-2.38px;top:-4.79px;width:282.09px;height:324.40px;"><div><p para="{bl:{ch:167},spbf:12.00}"><span data-textwidth="207.51" class="sg nowrap f3" style="z-index:2;color:#9E3611;font-size:94%; left:10.49px;top:10.19px;">&#61607;<span class="f2" style="font-size:118%; color:#000000;"><span style="letter-spacing:1.56px"> </span>Designed to provide </span></span><span data-textwidth="212.44" class="sg nowrap f2" style="z-index:4;font-size:111%; left:24.89px;top:31.79px;">manufacturers that use </span><span data-textwidth="178.23" class="sg nowrap f2" style="z-index:5;font-size:111%; left:24.89px;top:53.40px;">pattern and dies to </span><span data-textwidth="244.48" class="sg nowrap f2" style="z-index:6;font-size:111%; left:24.89px;top:75.00px;">manufacture products and </span><span data-textwidth="181.83" class="sg nowrap f2" style="z-index:7;font-size:111%; left:24.89px;top:96.61px;">take those items off </span><span data-textwidth="93.50" class="sg nowrap f2" style="z-index:8;font-size:111%; left:24.89px;top:118.21px;">premises. </span></p><p></p><p para="{bl:{ch:167},spbf:12.00}"><span data-textwidth="258.04" class="sg nowrap f3" style="z-index:9;color:#9E3611;font-size:94%; left:10.49px;top:185.43px;">&#61607;<span class="f2" style="font-size:118%; color:#000000;"><span style="letter-spacing:1.56px"> </span>The patterns and dies that </span></span><span data-textwidth="232.24" class="sg nowrap f2" style="z-index:11;font-size:111%; left:24.89px;top:207.03px;">are kept on premises are </span><span data-textwidth="173.43" class="sg nowrap f2" style="z-index:12;font-size:111%; left:24.89px;top:228.64px;">covered under the </span><span data-textwidth="199.71" class="sg nowrap f2" style="z-index:13;font-size:111%; left:24.89px;top:250.24px;">commercial property </span><span data-textwidth="57.49" class="sg nowrap f2" style="z-index:14;font-size:111%; left:24.89px;top:271.85px;">policy</span></p></div></div></div> <div class="sg" id="s172" data-sgid="Footer Placeholder 3" style="z-index:8;left:85.04px;top:492.99px;width:498.96px;height:29.62px" data-valign="middle" data-pointer-events="none"> <div id="s172_t" class="sg" style="z-index:2;left:0.00px;top:0.00px;width:498.96px;height:29.62px;"><div><p para="{spaf:6.00}"><span data-textwidth="258.40" class="sg nowrap f2" style="z-index:2;color:#696464;font-size:61%; left:7.86px;top:10.68px;">© Copyright 2017 - MRD Training &amp; Consulting Inc.</span></p></div></div></div> <div class="sg" id="s169" data-sgid="Group 12" style="z-index:3;left:896.80px;top:489.65px;width:36.84px;height:36.94px"> <img class="sg" src="3109C09237x37.png" id="s169_i" style="z-index:1;left:0px;top:0px;width:36.84px;height:36.94px" > </div> <div class="sg" id="s178" data-sgid="Rectangle 23" style="z-index:8;left:50.01px;top:50.84px;width:859.39px;height:7.21px" data-pointer-events="none"> <img class="sg" src="2BFEC5F2.png" id="s178_i" style="z-index:1;left:0px;top:0px;width:859.39px;height:7.21px" > </div> <div class="sg" id="s173" data-sgid="Rectangle 11" style="z-index:1;left:71.96px;top:105.42px;width:805.53px;height:7.32px" data-pointer-events="none"> <img class="sg" src="F78A48DE.png" id="s173_i" style="z-index:1;left:0px;top:0px;width:805.53px;height:7.32px" > </div> <div class="sg" id="s175" data-sgid="Rectangle 15" style="z-index:3;left:71.96px;top:116.31px;width:805.53px;height:216.71px" data-pointer-events="none"> <img class="sg" src="E7AFAE2.png" id="s175_i" style="z-index:1;left:0px;top:0px;width:805.53px;height:216.71px" > </div> <div class="sg sgTitle" id="s183" data-sgid="Title 3" style="z-index:15;left:527.88px;top:82.50px;width:364.13px;height:294.78px" data-valign="middle" data-pointer-events="none"> <img class="sg" src="DEE5194B.png" id="s183_tt" style="left:0.00px;top:0.00px;width:364.13px;height:294.78px;z-index:1" > </div> <div class="sg" id="s180" data-sgid="Picture 5" style="z-index:10;left:49.30px;top:82.50px;width:430.83px;height:345.76px"> <img class="sg" src="EB6C6061.jpg" id="s180_i" style="z-index:1;left:0px;top:0px;width:430.83px;height:345.76px" > </div> <div class="sg" id="s179" data-sgid="Rectangle 25" style="z-index:9;left:503.27px;top:64.17px;width:406.13px;height:382.30px" data-pointer-events="none"> <img class="sg" src="3073F8D7.png" id="s179_i" style="z-index:1;left:0px;top:0px;width:406.13px;height:382.30px" > </div> <div class="sg" id="s177" data-sgid="Rectangle 21" style="z-index:7;left:0.00px;top:-0.48px;width:960.15px;height:540.48px" data-fillcolor="16777215"> <img class="sg" src="40485B4F960x540.png" id="s177_i" style="z-index:1;left:0px;top:0px;width:960.15px;height:540.48px" > </div> <div class="sg" id="s174" data-sgid="Rectangle 13" style="z-index:2;left:71.96px;top:337.82px;width:805.53px;height:7.21px" data-pointer-events="none"> <img class="sg" src="10418CCE.png" id="s174_i" style="z-index:1;left:0px;top:0px;width:805.53px;height:7.21px" > </div> <div class="sg" id="s176" data-sgid="Group 17" style="z-index:4;left:758.88px;top:319.72px;width:85.98px;height:85.87px"> <img class="sg" src="872311F6.png" id="s176_i" style="z-index:1;left:0px;top:0px;width:85.98px;height:85.87px" > </div> <div class="sg" id="s184" data-sgid="Text Placeholder 4" style="z-index:16;left:527.88px;top:376.43px;width:364.13px;height:53.50px" data-pointer-events="none"> <div style='width:100%;height:100%;background:rgba(0,0,0,0)'></div></div> <div class="sg" id="s181" data-sgid="Rectangle 27" style="z-index:11;left:50.01px;top:452.48px;width:859.39px;height:7.18px" data-pointer-events="none"> <img class="sg" src="440FFB81.png" id="s181_i" style="z-index:1;left:0px;top:0px;width:859.39px;height:7.18px" > </div> <div class="sg" id="s182" data-sgid="Group 29" style="z-index:12;left:758.74px;top:413.25px;width:86.01px;height:85.99px"> <img class="sg" src="B565C1E6.png" id="s182_i" style="z-index:1;left:0px;top:0px;width:86.01px;height:85.99px" > </div> <div class="sg" id="s185" data-sgid="Footer Placeholder 6" style="z-index:17;left:85.04px;top:492.99px;width:498.96px;height:29.62px" data-valign="middle" data-pointer-events="none"> <div id="s185_t" class="sg" style="z-index:2;left:0.00px;top:0.00px;width:498.96px;height:29.62px;"><div><p para="{spaf:6.00}"><span data-textwidth="258.40" class="sg nowrap f2" style="z-index:2;color:#696464;font-size:61%; left:7.86px;top:10.68px;">© Copyright 2017 - MRD Training &amp; Consulting Inc.</span></p></div></div></div> <div class="sg sgTitle" id="s187" data-sgid="Title 1" style="z-index:2;left:619.97px;top:37.65px;width:301.18px;height:127.49px" data-valign="middle" data-pointer-events="none"> <img class="sg" src="2BB475B8.png" id="s187_tt" style="left:0.00px;top:0.00px;width:301.18px;height:127.49px;z-index:1" > </div> <div class="sg" id="s186" data-sgid="Rectangle 10" style="z-index:1;left:0.00px;top:-0.48px;width:960.38px;height:540.48px" data-pointer-events="none"> <img class="sg" src="8C5B6436.png" id="s186_i" style="z-index:1;left:0px;top:0px;width:960.38px;height:540.48px" > </div> <div class="sg" id="s188" data-sgid="Picture 3" style="z-index:3;left:0.00px;top:-0.48px;width:594.91px;height:540.48px"> <img class="sg" src="325C68D7.jpg" id="s188_i" style="z-index:1;left:0px;top:0px;width:594.91px;height:540.48px" > </div> <div class="sg" id="s189" data-sgid="Content Placeholder 4" style="z-index:4;left:619.97px;top:166.44px;width:301.18px;height:319.60px" data-valign="top" data-pointer-events="none"> <div id="s189_t" class="sg" style="z-index:2;left:0.00px;top:-2.64px;width:306.45px;height:322.24px;"><div><p para="{bl:{ch:167},spbf:12.00}"><span data-textwidth="281.09" class="sg nowrap f3" style="z-index:2;color:#9E3611;font-size:72%; left:8.09px;top:9.20px;">&#61607;<span class="f2" style="font-size:115%; color:#000000;"><span style="letter-spacing:4.81px"> </span>Equipment floater insurance coverage </span></span><span data-textwidth="261.40" class="sg nowrap f2" style="z-index:4;font-size:83%; left:22.50px;top:23.48px;">is an insurance policy that is separate </span><span data-textwidth="219.40" class="sg nowrap f2" style="z-index:5;font-size:83%; left:22.50px;top:39.68px;">from other types of commercial </span><span data-textwidth="229.12" class="sg nowrap f2" style="z-index:6;font-size:83%; left:22.50px;top:55.89px;">property insurance coverages or </span><span data-textwidth="275.21" class="sg nowrap f2" style="z-index:7;font-size:83%; left:22.50px;top:72.09px;">liability insurance and offers protection </span><span data-textwidth="265.00" class="sg nowrap f2" style="z-index:8;font-size:83%; left:22.50px;top:88.30px;">for contractor equipment that is easily </span><span data-textwidth="250.84" class="sg nowrap f2" style="z-index:9;font-size:83%; left:22.50px;top:104.50px;">transported from one location to the </span><span data-textwidth="239.20" class="sg nowrap f2" style="z-index:10;font-size:83%; left:22.50px;top:120.70px;">next, rather than equipment which </span><span data-textwidth="110.78" class="sg nowrap f2" style="z-index:11;font-size:83%; left:22.50px;top:136.91px;">remains on site. </span></p><p></p><p para="{bl:{ch:167},spbf:12.00}"><span data-textwidth="256.85" class="sg nowrap f3" style="z-index:12;color:#9E3611;font-size:72%; left:8.09px;top:195.24px;">&#61607;<span class="f2" style="font-size:115%; color:#000000;"><span style="letter-spacing:4.81px"> </span>Equipment floater insurance offers </span></span><span data-textwidth="271.25" class="sg nowrap f2" style="z-index:14;font-size:83%; left:22.50px;top:209.52px;">protection for mobile equipment in the </span><span data-textwidth="243.76" class="sg nowrap f2" style="z-index:15;font-size:83%; left:22.50px;top:225.73px;">case of a number of risk exposures </span><span data-textwidth="257.56" class="sg nowrap f2" style="z-index:16;font-size:83%; left:22.50px;top:241.93px;">including theft, fire, flood, equipment </span><span data-textwidth="274.25" class="sg nowrap f2" style="z-index:17;font-size:83%; left:22.50px;top:258.13px;">breakdown, vandalism, and other types </span><span data-textwidth="79.45" class="sg nowrap f2" style="z-index:18;font-size:83%; left:22.50px;top:274.34px;">of damage. </span></p></div></div></div> <div class="sg" id="s190" data-sgid="Footer Placeholder 5" style="z-index:5;left:85.04px;top:492.99px;width:498.96px;height:29.62px" data-valign="middle" data-pointer-events="none"> <div id="s190_t" class="sg" style="z-index:2;left:0.00px;top:0.00px;width:498.96px;height:29.62px;"><div><p para="{spaf:6.00}"><span data-textwidth="258.40" class="sg nowrap f2" style="z-index:2;color:#FFFFFF;font-size:61%; left:7.86px;top:10.68px;">© Copyright 2017 - MRD Training &amp; Consulting Inc.</span></p></div></div></div> <div class="sg" id="s191" data-sgid="Group 12" style="z-index:6;left:896.80px;top:489.65px;width:36.84px;height:36.94px"> <img class="sg" src="3109C09237x37.png" id="s191_i" style="z-index:1;left:0px;top:0px;width:36.84px;height:36.94px" > </div> <div class="sg" id="s193" data-sgid="Content Placeholder 4" style="z-index:2;left:28.18px;top:16.91px;width:931.72px;height:469.13px" data-valign="top" data-pointer-events="none"> <div id="s193_t" class="sg" style="z-index:2;left:-2.15px;top:-4.91px;width:933.87px;height:474.04px;"><div><p para="{bl:{ch:167},spbf:12.00}"><span data-textwidth="834.14" class="sg nowrap f3" style="z-index:2;color:#9E3611;font-size:94%; left:9.98px;top:10.04px;">&#61607;<span class="f2" style="font-size:118%; color:#000000;"><span style="letter-spacing:1.56px"> </span>Extreme weather conditions and natural disasters like hurricanes or tornadoes can cause </span></span><span data-textwidth="420.07" class="sg nowrap f2" style="z-index:4;font-size:111%; left:24.38px;top:31.65px;">irreparable damage to contractor equipment. </span></p><p></p><p para="{bl:{ch:167},spbf:12.00}"><span data-textwidth="888.63" class="sg nowrap f3" style="z-index:5;color:#9E3611;font-size:94%; left:9.98px;top:98.86px;">&#61607;<span class="f2" style="font-size:118%; color:#000000;"><span style="letter-spacing:1.56px"> </span>Unforeseen events such as these require small businesses to carry equipment floater insurance </span></span><span data-textwidth="888.87" class="sg nowrap f2" style="z-index:7;font-size:111%; left:24.38px;top:120.47px;">coverage in order to protect their financial assets and have coverage for repairs or replacements </span><span data-textwidth="417.07" class="sg nowrap f2" style="z-index:8;font-size:111%; left:24.38px;top:142.07px;">of these very expensive pieces of equipment.</span></p></div></div></div> <div class="sg" id="s194" data-sgid="Picture 5" style="z-index:3;left:292.43px;top:192.00px;width:403.36px;height:272.94px"> <img class="sg" src="5D9B7B6E.jpg" id="s194_i" style="z-index:1;left:0px;top:0px;width:403.36px;height:272.94px" > </div> <div class="sg" id="s192" data-sgid="Footer Placeholder 1" style="z-index:1;left:85.04px;top:492.99px;width:498.96px;height:29.62px" data-valign="middle" data-pointer-events="none"> <div id="s192_t" class="sg" style="z-index:2;left:0.00px;top:0.00px;width:498.96px;height:29.62px;"><div><p><span data-textwidth="258.40" class="sg nowrap f2" style="z-index:2;color:#696464;font-size:61%; left:7.86px;top:10.68px;">© Copyright 2017 - MRD Training &amp; Consulting Inc.</span></p></div></div></div> <div class="sg sgTitle" id="s195" data-sgid="Title 1" style="z-index:1;left:83.71px;top:37.65px;width:792.47px;height:127.49px" data-valign="middle" data-pointer-events="none"> <img class="sg" src="9AE46A8F.png" id="s195_tt" style="left:0.00px;top:0.00px;width:792.47px;height:127.49px;z-index:1" > </div> <div class="sg" id="s196" data-sgid="Content Placeholder 2" style="z-index:2;left:83.71px;top:165.73px;width:796.55px;height:321.65px"> <div id="s196_t" class="sg" style="z-index:2;left:0px;top:0px;width:796.55px;height:321.65px;"><div><p><span data-textwidth="204.87" class="sg nowrap f2" style="z-index:2;color:#FFFFFF;font-size:78%; left:26.71px;top:45.56px;">The cost of coverage under </span><span data-textwidth="212.80" class="sg nowrap f2" style="z-index:3;color:#FFFFFF;font-size:78%; left:22.75px;top:60.32px;">equipment floater insurance </span><span data-textwidth="180.63" class="sg nowrap f2" style="z-index:4;color:#FFFFFF;font-size:78%; left:38.83px;top:75.08px;">depends on how old the </span><span data-textwidth="104.18" class="sg nowrap f2" style="z-index:5;color:#FFFFFF;font-size:78%; left:77.00px;top:89.97px;">equipment is. </span><span data-textwidth="222.16" class="sg nowrap f2" style="z-index:6;color:#FFFFFF;font-size:78%; left:287.87px;top:8.59px;">If the piece of equipment it is </span><span data-textwidth="238.24" class="sg nowrap f2" style="z-index:7;color:#FFFFFF;font-size:78%; left:279.83px;top:23.35px;">five years or newer, repairs and </span><span data-textwidth="230.08" class="sg nowrap f2" style="z-index:8;color:#FFFFFF;font-size:78%; left:283.91px;top:38.12px;">replacement of equipment will </span><span data-textwidth="231.04" class="sg nowrap f2" style="z-index:9;color:#FFFFFF;font-size:78%; left:283.43px;top:53.00px;">typically be covered. However, </span><span data-textwidth="221.32" class="sg nowrap f2" style="z-index:10;color:#FFFFFF;font-size:78%; left:288.35px;top:67.76px;">for equipment older than five </span><span data-textwidth="235.12" class="sg nowrap f2" style="z-index:11;color:#FFFFFF;font-size:78%; left:281.27px;top:82.52px;">years old, the cost of repairs or </span><span data-textwidth="151.83" class="sg nowrap f2" style="z-index:12;color:#FFFFFF;font-size:78%; left:323.04px;top:97.29px;">replacement will be </span><span data-textwidth="238.72" class="sg nowrap f2" style="z-index:13;color:#FFFFFF;font-size:78%; left:279.59px;top:112.17px;">determined based on the actual </span><span data-textwidth="177.99" class="sg nowrap f2" style="z-index:14;color:#FFFFFF;font-size:78%; left:310.08px;top:126.93px;">value of the equipment. </span><span data-textwidth="205.83" class="sg nowrap f2" style="z-index:15;color:#FFFFFF;font-size:78%; left:565.72px;top:8.59px;">Equipment that is damaged </span><span data-textwidth="210.52" class="sg nowrap f2" style="z-index:16;color:#FFFFFF;font-size:78%; left:563.32px;top:23.35px;">from an event that may have </span><span data-textwidth="158.19" class="sg nowrap f2" style="z-index:17;color:#FFFFFF;font-size:78%; left:589.48px;top:38.12px;">been prevented or is </span><span data-textwidth="237.40" class="sg nowrap f2" style="z-index:18;color:#FFFFFF;font-size:78%; left:549.88px;top:53.00px;">considered foreseeable such as </span><span data-textwidth="236.80" class="sg nowrap f2" style="z-index:19;color:#FFFFFF;font-size:78%; left:550.24px;top:67.76px;">improper use of the equipment, </span><span data-textwidth="168.87" class="sg nowrap f2" style="z-index:20;color:#FFFFFF;font-size:78%; left:584.08px;top:82.52px;">wear and tear of older </span><span data-textwidth="195.99" class="sg nowrap f2" style="z-index:21;color:#FFFFFF;font-size:78%; left:570.76px;top:97.29px;">equipment, or mechanical </span><span data-textwidth="236.56" class="sg nowrap f2" style="z-index:22;color:#FFFFFF;font-size:78%; left:550.48px;top:112.17px;">breakdown, will not be covered </span><span data-textwidth="239.32" class="sg nowrap f2" style="z-index:23;color:#FFFFFF;font-size:78%; left:548.92px;top:126.93px;">by equipment floater insurance. </span><span data-textwidth="217.24" class="sg nowrap f2" style="z-index:24;color:#FFFFFF;font-size:78%; left:290.27px;top:180.23px;">Some equipment is excluded </span><span data-textwidth="202.47" class="sg nowrap f2" style="z-index:25;color:#FFFFFF;font-size:78%; left:297.83px;top:194.99px;">from the equipment floater </span><span data-textwidth="202.47" class="sg nowrap f2" style="z-index:26;color:#FFFFFF;font-size:78%; left:297.71px;top:209.75px;">insurance policy coverage, </span><span data-textwidth="223.12" class="sg nowrap f2" style="z-index:27;color:#FFFFFF;font-size:78%; left:287.39px;top:224.64px;">including automobiles (which </span><span data-textwidth="163.59" class="sg nowrap f2" style="z-index:28;color:#FFFFFF;font-size:78%; left:317.16px;top:239.40px;">should be covered by </span><span data-textwidth="212.80" class="sg nowrap f2" style="z-index:29;color:#FFFFFF;font-size:78%; left:292.55px;top:254.16px;">commercial auto insurance), </span><span data-textwidth="225.88" class="sg nowrap f2" style="z-index:30;color:#FFFFFF;font-size:78%; left:286.07px;top:268.93px;">along with watercraft, aircraft, </span><span data-textwidth="229.36" class="sg nowrap f2" style="z-index:31;color:#FFFFFF;font-size:78%; left:284.27px;top:283.81px;">and other vehicles that are not </span><span data-textwidth="212.92" class="sg nowrap f2" style="z-index:32;color:#FFFFFF;font-size:78%; left:290.15px;top:298.57px;">considered to be equipment.</span></p></div></div><img class="sg" src="8BDF0884797x322.png" id="s196_i" style="z-index:1;left:0px;top:0px;width:796.55px;height:321.65px" > </div> <div class="sg" id="s197" data-sgid="Footer Placeholder 3" style="z-index:3;left:85.04px;top:492.99px;width:498.96px;height:29.62px" data-valign="middle" data-pointer-events="none"> <div id="s197_t" class="sg" style="z-index:2;left:0.00px;top:0.00px;width:498.96px;height:29.62px;"><div><p para="{spaf:6.00}"><span data-textwidth="258.40" class="sg nowrap f2" style="z-index:2;color:#696464;font-size:61%; left:7.86px;top:10.68px;">© Copyright 2017 - MRD Training &amp; Consulting Inc.</span></p></div></div></div> <div class="sg" id="s201" data-sgid="Content Placeholder 2" style="z-index:4;left:397.13px;top:46.78px;width:479.06px;height:439.26px" data-valign="middle" data-pointer-events="none"> <div id="s201_t" class="sg" style="z-index:2;left:0.00px;top:-28.08px;width:481.10px;height:467.35px;"><div><p para="{bl:{ch:167},spbf:12.00}"><span data-textwidth="459.19" class="sg nowrap f3" style="z-index:2;color:#9E3611;font-size:67%; left:8.06px;top:8.83px;">&#61607;<span class="f2" style="font-size:117%; color:#000000;"><span style="letter-spacing:5.40px"> </span>Commercial property insurance policies do not cover materials once </span></span><span data-textwidth="400.39" class="sg nowrap f2" style="z-index:4;font-size:78%; left:22.46px;top:22.03px;">they have been moved off of the business’s premises, and they </span><span data-textwidth="331.86" class="sg nowrap f2" style="z-index:5;font-size:78%; left:22.46px;top:37.15px;">provide little coverage for materials while in transit.</span></p><p></p><p para="{bl:{ch:167},spbf:12.00}"><span data-textwidth="458.35" class="sg nowrap f3" style="z-index:6;color:#9E3611;font-size:67%; left:8.06px;top:93.32px;">&#61607;<span class="f2" style="font-size:117%; color:#000000;"><span style="letter-spacing:5.40px"> </span>This floater covers personal property installed, fabricated or erected </span></span><span data-textwidth="102.14" class="sg nowrap f2" style="z-index:8;font-size:78%; left:22.46px;top:106.53px;">by a contractor. </span></p><p></p><p para="{bl:{ch:167},spbf:12.00}"><span data-textwidth="441.79" class="sg nowrap f3" style="z-index:9;color:#9E3611;font-size:67%; left:8.06px;top:162.70px;">&#61607;<span class="f2" style="font-size:117%; color:#000000;"><span style="letter-spacing:5.40px"> </span>It covers the property until the installation work is accepted by the </span></span><span data-textwidth="418.39" class="sg nowrap f2" style="z-index:11;font-size:78%; left:22.46px;top:175.90px;">purchaser or when the insured&#39;s interest in the property installed </span><span data-textwidth="47.77" class="sg nowrap f2" style="z-index:12;font-size:78%; left:22.46px;top:191.03px;">ceases.</span></p><p></p><p para="{bl:{ch:167},spbf:12.00}"><span data-textwidth="462.79" class="sg nowrap f3" style="z-index:13;color:#9E3611;font-size:67%; left:8.06px;top:247.20px;">&#61607;<span class="f2" style="font-size:117%; color:#000000;"><span style="letter-spacing:5.40px"> </span>While the actual policy form will vary from one insurance company to </span></span><span data-textwidth="434.71" class="sg nowrap f2" style="z-index:15;font-size:78%; left:22.46px;top:260.40px;">another, it will typically cover materials, equipment, machinery and </span><span data-textwidth="435.79" class="sg nowrap f2" style="z-index:16;font-size:78%; left:22.46px;top:275.53px;">supplies owned by the contractor or for which he has responsibility. </span><span data-textwidth="450.44" class="sg nowrap f2" style="z-index:17;font-size:78%; left:22.46px;top:290.65px;">The property must be used in or incidental to the fabrication, erection </span><span data-textwidth="301.73" class="sg nowrap f2" style="z-index:18;font-size:78%; left:22.46px;top:305.77px;">or construction project described in the policy.</span></p><p></p><p para="{bl:{ch:167},spbf:12.00}"><span data-textwidth="412.99" class="sg nowrap f3" style="z-index:19;color:#9E3611;font-size:67%; left:8.06px;top:361.94px;">&#61607;<span class="f2" style="font-size:117%; color:#000000;"><span style="letter-spacing:5.40px"> </span>Beside the policy’s expiration, several other events may cause </span></span><span data-textwidth="441.55" class="sg nowrap f2" style="z-index:21;font-size:78%; left:22.46px;top:375.15px;">coverage to cease. Coverage ceases when the purchaser accepts the </span><span data-textwidth="450.08" class="sg nowrap f2" style="z-index:22;font-size:78%; left:22.34px;top:390.27px;">work, when the contractor’s ownership interest in the property ends, if </span><span data-textwidth="431.47" class="sg nowrap f2" style="z-index:23;font-size:78%; left:22.46px;top:405.39px;">he abandons the project, or within a stated number of days after he </span><span data-textwidth="91.10" class="sg nowrap f2" style="z-index:24;font-size:78%; left:22.46px;top:420.52px;">finishes work. </span></p></div></div></div> <div class="sg sgTitle" id="s200" data-sgid="Title 1" style="z-index:3;left:50.13px;top:50.13px;width:290.98px;height:435.91px" data-valign="middle" data-pointer-events="none"> <div id="s200_t" class="sg" style="z-index:2;left:0.00px;top:0.00px;width:328.42px;height:435.91px;"><div><p para="{al:3}"><span data-textwidth="243.64" class="sg nowrap f1" style="z-index:2;color:#FFFFFF;font-size:267%; left:55.85px;top:139.67px;">INSTALLATION </span><span data-textwidth="135.62" class="sg nowrap f1" style="z-index:3;color:#FFFFFF;font-size:267%; left:147.90px;top:191.52px;">FLOATER</span></p></div></div></div> <div class="sg" id="s198" data-sgid="Rectangle 9" style="z-index:1;left:0.00px;top:-0.48px;width:960.15px;height:540.48px" data-pointer-events="none"> <img class="sg" src="40485B4F960x540.png" id="s198_i" style="z-index:1;left:0px;top:0px;width:960.15px;height:540.48px" > </div> <div class="sg" id="s199" data-sgid="Rectangle 11" style="z-index:2;left:0.00px;top:-0.48px;width:366.66px;height:540.48px" data-pointer-events="none"> <img class="sg" src="2DB3B286.jpg" id="s199_i" style="z-index:1;left:0px;top:0px;width:366.66px;height:540.48px" > </div> <div class="sg" id="s202" data-sgid="Footer Placeholder 3" style="z-index:5;left:397.13px;top:492.99px;width:479.06px;height:29.62px" data-valign="middle" data-pointer-events="none"> <div id="s202_t" class="sg" style="z-index:2;left:0.00px;top:0.00px;width:479.06px;height:29.62px;"><div><p para="{spaf:6.00}"><span data-textwidth="258.40" class="sg nowrap f2" style="z-index:2;color:#696464;font-size:61%; left:8.06px;top:10.68px;">© Copyright 2017 - MRD Training &amp; Consulting Inc.</span></p></div></div></div> <div class="sg sgTitle" id="s205" data-sgid="Title 6" style="z-index:5;left:29.62px;top:37.65px;width:531.59px;height:127.49px" data-valign="middle" data-pointer-events="none"> <img class="sg" src="E9A818CD.png" id="s205_tt" style="left:0.00px;top:0.00px;width:531.59px;height:127.49px;z-index:1" > </div> <div class="sg" id="s204" data-sgid="Rectangle 16" style="z-index:4;left:0.00px;top:-0.48px;width:960.38px;height:540.48px" data-pointer-events="none"> <img class="sg" src="8C5B6436.png" id="s204_i" style="z-index:1;left:0px;top:0px;width:960.38px;height:540.48px" > </div> <div class="sg" id="s208" data-sgid="Content Placeholder 7" style="z-index:8;left:593.35px;top:-0.48px;width:366.54px;height:540.48px"> <img class="sg" src="E78182E7.jpg" id="s208_i" style="z-index:1;left:0px;top:0px;width:366.54px;height:540.48px" > </div> <div class="sg" id="s206" data-sgid="Content Placeholder 2" style="z-index:6;left:29.62px;top:166.44px;width:531.59px;height:319.60px" data-valign="top" data-pointer-events="none"> <div id="s206_t" class="sg" style="z-index:2;left:-1.44px;top:-4.06px;width:539.75px;height:323.66px;"><div><p para="{bl:{ch:167},spbf:12.00}"><span data-textwidth="496.64" class="sg nowrap f3" style="z-index:2;color:#9E3611;font-size:83%; left:9.15px;top:9.58px;">&#61607;<span class="f2" style="font-size:120%; color:#000000;position:relative;bottom:-2px;"><span style="letter-spacing:2.88px"> </span>This extension insures Unscheduled Tools from an insured </span></span><span data-textwidth="466.88" class="sg nowrap f2" style="z-index:4;left:23.55px;top:29.02px;">peril, but only for the Limit of Insurance specified on the </span><span data-textwidth="451.52" class="sg nowrap f2" style="z-index:5;left:23.55px;top:48.47px;">Summary of Coverages. Co-insurance is usually 100%. </span></p><p></p><p para="{bl:{ch:167},spbf:12.00}"><span data-textwidth="457.51" class="sg nowrap f3" style="z-index:8;color:#9E3611;font-size:83%; left:9.15px;top:111.36px;">&#61607;<span class="f2" style="font-size:120%; color:#000000;position:relative;bottom:-2px;"><span style="letter-spacing:2.88px"> </span>Typically insures scheduled and/or blanket tools and </span></span><span data-textwidth="491.48" class="sg nowrap f2" style="z-index:10;left:23.55px;top:130.80px;">equipment, the property of the Insured, as described in the </span><span data-textwidth="480.56" class="sg nowrap f2" style="z-index:11;left:23.55px;top:150.25px;">Declarations. Each item is considered separately insured. </span></p><p></p><p para="{bl:{ch:167},spbf:12.00}"><span data-textwidth="482.36" class="sg nowrap f3" style="z-index:12;color:#9E3611;font-size:83%; left:9.15px;top:213.14px;">&#61607;<span class="f2" style="font-size:120%; color:#000000;position:relative;bottom:-2px;"><span style="letter-spacing:2.76px"> </span>Also insures tools and equipment, the property of others </span></span><span data-textwidth="505.40" class="sg nowrap f2" style="z-index:14;left:23.55px;top:232.59px;">which are usual to the Insured’s business, as described in the </span><span data-textwidth="286.49" class="sg nowrap f2" style="z-index:15;left:23.55px;top:252.03px;">Declarations up to a limit specified</span></p></div></div></div> <div class="sg" id="s207" data-sgid="Footer Placeholder 3" style="z-index:7;left:29.62px;top:492.99px;width:350.00px;height:29.62px" data-valign="middle" data-pointer-events="none"> <div id="s207_t" class="sg" style="z-index:2;left:0.00px;top:0.00px;width:350.00px;height:29.62px;"><div><p para="{spaf:6.00}"><span data-textwidth="258.40" class="sg nowrap f2" style="z-index:2;color:#696464;font-size:61%; left:7.71px;top:10.68px;">© Copyright 2017 - MRD Training &amp; Consulting Inc.</span></p></div></div></div> <div class="sg" id="s203" data-sgid="Group 12" style="z-index:1;left:896.80px;top:489.65px;width:36.84px;height:36.94px"> <img class="sg" src="3109C09237x37.png" id="s203_i" style="z-index:1;left:0px;top:0px;width:36.84px;height:36.94px" > </div> <div class="sg" id="s209" data-sgid="Group 18" style="z-index:9;left:896.80px;top:489.65px;width:36.84px;height:36.94px"> <img class="sg" src="3109C09237x37.png" id="s209_i" style="z-index:1;left:0px;top:0px;width:36.84px;height:36.94px" > </div> <div class="sg sgTitle" id="s211" data-sgid="Title 3" style="z-index:2;left:390.64px;top:37.65px;width:530.51px;height:127.49px" data-valign="middle" data-pointer-events="none"> <img class="sg" src="9D325F7A.png" id="s211_tt" style="left:0.00px;top:0.00px;width:530.51px;height:127.49px;z-index:1" > </div> <div class="sg" id="s210" data-sgid="Rectangle 13" style="z-index:1;left:365.58px;top:-0.48px;width:594.32px;height:540.48px" data-pointer-events="none"> <img class="sg" src="D2A731B0.png" id="s210_i" style="z-index:1;left:0px;top:0px;width:594.32px;height:540.48px" > </div> <div class="sg" id="s212" data-sgid="Graphic 8" style="z-index:3;left:49.30px;top:123.29px;width:293.96px;height:293.79px"> <img class="sg" src="5C6859CA.png" id="s212_i" style="z-index:1;left:0px;top:0px;width:293.96px;height:293.79px" > </div> <div class="sg" id="s213" data-sgid="Content Placeholder 4" style="z-index:4;left:390.64px;top:166.44px;width:530.51px;height:319.60px" data-valign="top" data-pointer-events="none"> <div id="s213_t" class="sg" style="z-index:2;left:-2.26px;top:-4.79px;width:532.78px;height:324.40px;"><div><p para="{bl:{ch:167},spbf:12.00}"><span data-textwidth="501.44" class="sg nowrap f3" style="z-index:2;color:#9E3611;font-size:94%; left:10.21px;top:10.19px;">&#61607;<span class="f2" style="font-size:118%; color:#000000;"><span style="letter-spacing:1.56px"> </span>Is warranted by the Insured that any vehicle in which </span></span><span data-textwidth="462.32" class="sg nowrap f2" style="z-index:4;font-size:111%; left:24.61px;top:31.79px;">the insured property is carried is equipped with a </span><span data-textwidth="473.48" class="sg nowrap f2" style="z-index:5;font-size:111%; left:24.61px;top:53.40px;">fully enclosed metal body or compartment, and the </span><span data-textwidth="485.60" class="sg nowrap f2" style="z-index:6;font-size:111%; left:24.61px;top:75.00px;">Insurer shall be liable in case of loss by theft from an </span><span data-textwidth="480.68" class="sg nowrap f2" style="z-index:7;font-size:111%; left:24.61px;top:96.61px;">unattended vehicle only as a direct result of forcible </span><span data-textwidth="477.32" class="sg nowrap f2" style="z-index:8;font-size:111%; left:24.61px;top:118.21px;">entry (of which there shall be visible evidence) into </span><span data-textwidth="465.44" class="sg nowrap f2" style="z-index:9;font-size:111%; left:24.61px;top:139.82px;">such body or compartment, the doors of which are </span><span data-textwidth="389.70" class="sg nowrap f2" style="z-index:10;font-size:111%; left:24.61px;top:161.42px;">securely&#160;locked&#160;and&#160;the&#160;windows&#160;closed.&#160;&#160;&#160;</span></p><p></p><p para="{bl:{ch:167},spbf:12.00}"><span data-textwidth="509.12" class="sg nowrap f3" style="z-index:11;color:#9E3611;font-size:94%; left:10.21px;top:228.64px;">&#61607;<span class="f2" style="font-size:118%; color:#000000;"><span style="letter-spacing:1.56px"> </span>This clause shall not apply to property which is under </span></span><span data-textwidth="298.01" class="sg nowrap f2" style="z-index:13;font-size:111%; left:24.61px;top:250.24px;">the control of a common carrier. </span></p></div></div></div> <div class="sg" id="s214" data-sgid="Footer Placeholder 1" style="z-index:5;left:85.04px;top:492.99px;width:498.96px;height:29.62px" data-valign="middle" data-pointer-events="none"> <div id="s214_t" class="sg" style="z-index:2;left:0.00px;top:0.00px;width:498.96px;height:29.62px;"><div><p para="{spaf:6.00}"><span data-textwidth="258.40" class="sg nowrap f2" style="z-index:2;color:#696464;font-size:61%; left:7.86px;top:10.68px;">© Copyright 2017 - MRD Training &amp; Consulting Inc.</span></p></div></div></div> <div class="sg" id="s215" data-sgid="Group 15" style="z-index:6;left:896.80px;top:489.65px;width:36.84px;height:36.94px"> <img class="sg" src="3109C09237x37.png" id="s215_i" style="z-index:1;left:0px;top:0px;width:36.84px;height:36.94px" > </div> <div class="sg sgTitle" id="s216" data-sgid="Title 5" style="z-index:1;left:170.09px;top:95.94px;width:731.38px;height:277.84px" data-valign="middle" data-pointer-events="none"> <img class="sg" src="A0CE944F.png" id="s216_tt" style="left:0.00px;top:0.00px;width:731.38px;height:277.84px;z-index:1" > </div> <div class="sg" id="s217" data-sgid="Text Placeholder 6" style="z-index:2;left:169.95px;top:394.55px;width:713.43px;height:84.77px" data-pointer-events="none"> <div style='width:100%;height:100%;background:rgba(0,0,0,0)'></div></div> <div class="sg" id="s218" data-sgid="Footer Placeholder 3" style="z-index:3;left:171.28px;top:492.99px;width:498.96px;height:29.62px" data-valign="middle" data-pointer-events="none"> <div id="s218_t" class="sg" style="z-index:2;left:0.00px;top:0.00px;width:498.96px;height:29.62px;"><div><p><span data-textwidth="258.41" class="sg nowrap f2" style="z-index:2;color:#696464;font-size:61%; 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