Provides coverage for acts of abuse or molestation and provides defense costs inside the limit and

not in addition to the limit of insurance.

In Oklahoma, for Institutional program, separate limits are provided for indemnity and defense costs.

Accounts Receivable - On Premises/Off

Premises

Pays direct physical loss or damage to accounts receivable caused by, or resulting from a covered

cause of loss. Lower limit is provided for accounts receivable losses not at the described premises.

Adds as an additional insured the person or organization with controlling interest, but only for their

liability arising out of their financial control of you or premises they own, maintain, or control while you

lease or occupy those premises.

Additional Insured - Co-Owner of

Insured Premises

Adds as an additional insured the person or organization but only with respect to liability as co-owner

of the premises.

Additional Insured - Designated Person

or Organization

Additional Insured - Engineer,

Architects or Surveyors not Engaged by

the Named Insured

Adds as additional insured the engineer, architect or surveyor not directly engaged by the insured but

only with respect to liability arising out of the insured's ongoing operations performed by insured or on

insured's behalf

Additional Insured - Engineers,

Architects or Surveyors

Adds as additional insured the engineer, architect or surveyor engaged by the insured but only with

respect to liability arising out insured's premises or ongoing operations performed by insured or on

insured's behalf.

Additional Insured - Grantor of

Franchise

Adds as an additional insured the person or organization, but only with respect to their liability as a

grantor of a franchise.

Additional Insured - Lessor of Leased

Equipment

Adds as an additional insured the person or organization, but only with respect to their liability arising

out of the maintenance, operation or use by insured of equipment leased to insured by that person or

organization.

Additional Insured - Managers or

Lessors

Adds as an additional insured the person or organization, but only with respect to their liability arising

out of the ownership, maintenance or use of that part of the premises leased to insured.

Additional Insured - Mortgagees,

Assignees, or Receivers

Adds as an additional insured the person or organization, but only with respect to their liability as

mortgagee, assignee, or receiver and arising out of the ownership, maintenance, or use of the

premises by insured.

Additional insured - Owner, Lessees, or

Contractors

Adds as additional insured a named person or organization, but only with respect to liability arising

out of our insured's ongoing operations performed for that additional insured

Additional Insured - Owners of Garage

Premises

Adds as an additional insured a person or organization but only with respect to their liability arising

out of the ownership, maintenance or use of that part of the premises leased to our Insured

Additional Insured - Owners or Other

Interests From Whom Land has Been

Leased

Adds as additional insured a named person or organization, but only with respect to liability arising

out of the ownership, maintenance or use of that part of the land leased to our insured and shown in

the schedule.

Additional Insured - State or Political

Subdivisions, Permits Relating to

Premises

Adds as an additional insured governmental organizations issuing permits to contractors for certain

premises hazards. This endorsement provides no coverage for operations performed for such

governmental organizations.

Adds as additional insured a named person or organization, but only with respect to bodily injury or

property damage arising out of the distribution or sale of our insured's products as shown in the

schedule.

Alternative Key Systems -

Reprogramming Costs

Pays for necessary cost to reprogram alternative key systems due to a loss or damage from covered

cause of loss at a covered location

Animal Bailee - Pet Services /

Veterinarian

Pays for loss, from a covered cause of loss, of domestic animals owned by others while in insured's

care, custody or control

Pays persons other than the Named Insured or person responsible for a fire, for information leading

to an arson conviction regarding loss or damage to covered property

Pays for loss of or damage from a covered cause of loss to Fine Arts owned by others in insured's

care, custody and control. Loss may be subject to per item limit

Pays for Association Fees that become uncollectible from unit owners whose units have been

rendered uninhabitable due to direct physical loss or damage caused by or resulting from a covered

cause of loss. Also covers extra expense incurred during the period of restoration that would not

have been incurred had there been no loss or damage from a covered cause of loss.