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THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. <br />Form SP 30 45 10 18 Page 2 of 3 <br />© 2018, The Hartford <br />(May include copyrighted material of Insurance Services Office, Inc., with its permission) <br />If the necessary suspension of your "off-premises operations"produces a Business Income loss payable <br />under Paragraph (1)above,we will pay for the actual loss of Business Income you incur during the period <br />that: <br />(a)Begins on the date property,other than finished stock,is actually repaired,rebuilt or replaced and <br />"off-premises operations" are resumed; and <br />(b)Ends on the earlier of: <br />(i)The date you could restore your "off-premises operations"with reasonable speed,to the condition <br />that would have existed if no direct physical loss or direct physical damage occurred; or <br />(ii)45 consecutive days after the date determined in Paragraph (1)(a)above,unless a different time <br />period is shown in the Declarations for Extended Business Income. <br />However,Extended Business Income does not apply to loss of Business Income incurred as a result of <br />unfavorable business conditions caused by the impact of the Covered Cause of Loss in the area where <br />the “scheduled premises” is located. <br />(7)With respect to the coverage provided in this Coverage Extension,suspension means the partial <br />slowdown or complete cessation of your business activities. <br />(8)We will deduct from the total Extra Expense to be paid: <br />(a)The salvage value that remains of any property bought for temporary use during the "off-premises <br />period of restoration", once “off-premises operations” are resumed; and <br />(b)Any Extra Expense that is paid for by other insurance. <br />(9)We will not pay for any Extra Expense or increase of Business Income loss caused by or resulting from: <br />(a)Delay in rebuilding,repairing or replacing the property or resuming "off-premises operations",due to <br />interference at the location of the rebuilding, repair or replacement by strikers or other persons; or <br />(b)Suspension,lapse or cancellation of any license,lease or contract.But if the suspension,lapse or <br />cancellation is directly caused by the suspension of "off-premises operations’,we will cover such loss <br />that affects your Business Income during the "period of restoration". <br />(c)Any other consequential loss. <br />(10)Under this Coverage Extension,coverage for Business Income and Extra Expense does not apply when <br />the suspension of "off-premises operations"is caused by destruction or corruption of "electronic data",or <br />any loss or damage to "electronic data". <br />(11)A waiting period may apply, however, no other deductible applies to this Coverage Extension. <br />(12)The most we will pay in any one occurrence for all Business Income,Extended Business Income and <br />Extra Expense under this Coverage Extension is the limit shown in the Declarations for Business Income <br />From Off-Premises Operations. <br />B.The following changes are made to Section G.,PROPERTY DEFINITIONS: <br />1.The following definition is added: <br />“Off-premises operations”means your business activities occurring more than 1,000 feet away from the <br />"scheduled premises" but within the coverage territory. <br />2.The following definition is added: <br />"Off-premises period of restoration" means: <br />a.The period of time that: <br />(1)Begins: <br />(a)The number of hours stated in the Declarations after direct physical loss of or direct physical damage <br />for Business Income from Off-Premises Operations coverage; or <br />(b)Immediately after the time of direct physical loss or direct physical damage for Extra Expense <br />coverage; <br />caused by or resulting from a Covered Cause of Loss, and <br />Docusign Envelope ID: 9DF92A24-B534-85BA-8088-342315DF1839