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Policy Number: RLI Insurance Company PPB 101 01 22 Contains copyrighted material of Insurance Services Office, Inc. Page 1 of 49 RLIPack® BUSINESSOWNERS COVER AGE FORM Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered. Throughout this Coverage Form the words "you" and "your" refer to the Named Insured shown in the Declarations. The words "we", "us" and "our" refer to the Company providing this insurance. In SECTION II – LIABILITY, the word "insured" means any person or organization qualifying as such under Paragraph C. Who Is An Insured. Other words and phrases that appear in quotation marks have special meaning. Refer to Paragraph H. Property Definitions in SECTION I – PROPERTY and Paragraph F. Liability And Medical Expenses Definitions in SECTION II – LIABILITY. SECTION I – PROPERTY A. Coverage We will pay for direct physical loss of or damage to Covered Property at the premises described in the Declarations caused by or resulting from any Covered Cause of Loss. 1. Covered Property Covered Property includes Buildings as described under Paragraph a. below, Business Personal Property as described under Paragraph b. below, or both, depending on whether a Limit of Insurance is shown in the Declarations for that type of property. Regardless of whether coverage is shown in the Declarations for Buildings, Business Personal Property, or both, there is no coverage for property described under Paragraph 2. Property Not Covered. a. Buildings, meaning the buildings and struc- tures at the premises described in the Dec- larations, including: (1) Completed additions; (2) Fixtures, including outdoor fixtures and swimming pools; (3) Permanently installed: (a) Machinery; and (b) Equipment; (4) Fences; (5) Retaining walls, whether or not attached; (6) Your personal property in apartments, rooms or common areas furnished by you as landlord; (7) Personal property owned by you that is used to maintain or service the buildings or structures or the premises, including: (a) Fire extinguishing equipment; (b) Outdoor furniture; (c) Floor coverings; (d) Appliances used for refrigerating, ventilating, cooking, dishwashing or laundering; (e) Lawn maintenance and snow removal equipment; and (f) Alarm systems; (8) If not covered by other insurance: (a) Additions under construction, altera- tions and repairs to the buildings or structures; (b) Materials, equipment, supplies and temporary structures, on or within 1,000 feet of the described premises, used for making additions, alterations or repairs to the buildings or structures. b. Business Personal Property located in or on the buildings at the described premises or in the open (or in a vehicle) within 1,000 feet of the described premises, including: (1) Property you own that is used in your business; (2) Property of others that is in your care, custody or control, except as otherwise provided in Loss Payment Property Loss Condition Paragraph E.5.d.(3)(b); (3) Tenant's improvements and betterments. Improvements and betterments are fixtures, alterations, installations or additions: (a) Made a part of the building or structure you occupy but do not own; and (b) You acquired or made at your ex- pense but cannot legally remove; PSB0010943 Exhibit B Docusign Envelope ID: 7D12103B-E5DC-46A2-B6BA-3BD5268ECDA5