STATE COURT DOCUMENTS 

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Notice of Service of Process

SOP / ALL

Transmittal Number: 17121094

Date Processed: 09/11/2017

Primary Contact: Pamela Beyer

The Travelers Companies, Inc.

385 Washington Street, 9275-LC12L

Saint Paul, MN 55102

Entity: Travelers Casualty Insurance Company of America

Entity ID Number 2317367

Entity Served: Travelers Casualty Insurance Company of America

Title of Action: Tall Timbers Condominiums Unit Owners' Association, Inc. vs. Travelers

Casualty Insurance Company of America

Document(s) Type: Summons/Complaint

Nature of Action: Contract

Court/Agency: Hamilton County Court of Common Pleas, Ohio

Case/Reference No: A 1704612

Jurisdiction Served: Connecticut

Date Served on CSC: 09/08/2017

Answer or Appearance Due: 28 Days

Originally Served On: Travelers on 09/08/2017

How Served: Client Direct

Sender Information: Sean P. Donovan

513-533-2705

Information contained on this transmittal form is for record keeping, notification and forwarding the attached document(s). It does not

constitute a legal opinion. The recipient is responsible for interpreting the documents and taking appropriate action.

To avoid potential delay, please do not send your response to CSC

251 Little Falls Drive, Wilmington, Delaware 19808-1674 (888) 690-2882 | sop@cscglobal.com

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csc 

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'I 

COPY 

COURT OF COMMON PLEAS 

HAMILTON COUNTY, OHIO 

TALL 

PLAINTIFF 

vs 

TRAVELERS CASUALTY INSURANCE C 

DEFENDANT 

Use below number on 

all future pleadings 

No, A 1704612 

SUMMONS 

CORPORATE LITIGATION , HARTFORD 

TRAVELERS CASUALTY INSURANCE COMPANY OF AMERICA 

ONE TOWER SQUARE D 1 

HARTFORD CT 06183 SEP O 8 2017 

RECEIVED PM 

You are notified 

that you have been named Defendant(s) in a complaint filed by 

TALL TIMBERS CONDOMINIUMS UNIT 

9916 WINDISCH ROAD 

WEST CHESTER OH 45069 

Plaintiff ( s) 

in the Hamilton County, COMMON PLEAS CIVIL Division, 

AFTAB PUREVAL, 1000 MAIN STREET ROOM 315, 

CINCINNATI, OH 45202. 

You are hereby summoned and required to serve upon the plaintiff's 

attorney, or upon the plaintiff, if he/she has no attorney of record, a 

copy of an answer to the complaint within twenty-eight (28) days after 

service of this summons on you, exclusive of the day of service. Your 

answer must be filed with the Court within three (3) days after the 

service of a copy of the answer on the plaintiff's attorney. 

Further, pursuant to Local Rule 10 of Hamilton County, you are also required to 

file a Notification Form to receive notice of all future hearings. 

If you fail to appear and defend, judgement by default will be rendered 

against you for the relief demanded in the attached complaint. 

Name and Address of attorney 

SEAN P DONOVAN 

2623 ERIE AVENUE 

CINCINNATI OH 45208 

I lllllll llll lllll lllll lllll lllll lllll lllll 111111111111111111 

D119336102 

AFTAB PUREVAL 

Clerk, Court of Common Pleas 

Hamilton County, Ohio 

By RICK HOFMANN 

Deputy 

Date: September 5, 2017 

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e~ t ,-, <,!;l:. i 

tt,IICO'J~ 

AFTAB PUREVAL 

HAMILTON COUNTY CLERK OF COURTS 

COMMON PLEAS DIVISION 

ELECTRONICALLY FILED 

September 1, 2017 02:48 PM 

AFTAB PUREVAL 

Clerk of Courts 

Hamilton County, Ohio 

CONFIRMATION 654417 

TALL TIMBERS 

CONDOMINIUMS UNIT 

OWNERS ASSOCIATION 

vs. 

TRAVELERS CASUALTY 

INSURANCE COMPANY OF 

A1\1ERICA 

A1704612 

FILING TYPE: INITIAL FILING (OUT OF COUNTY) WITH JURY 

DEMAND 

PAGES FILED: 68 

EFR2GO 

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IN THE COURT OF COMMON l'LEAS OF. 

HAMILTON COUNTY, OHIO 

TALL TlMBERS CONDOMINIUMS UNIT 

OWNERS, A,.SSOClATION,JNC., 

9916 Windisch Road 

West chester~ Ohio 45069 

Plaintiff, 

V. 

TRAVELERS CASUALTY INSURANCE 

COMPANY OF AMJ!:RlCA~ 

P;(), Box 50473 

Indianapolis, IN 46250 .. 0473 

AlsoServ~: 

Travelers Casu~lty .Insurance. Company 

.of America · · 

'One-Tower Square 

Hartford, Connecticut 06183 

Defendant. 

Case No.-.-·------------

Judge ---,------------·------

CQMPLAI1''T FORBREACH OF 

(ONTRACT ANl> OTHER RELIEF 

(Jury Demand Endorsed Hereon) 

Now comes Plaintiff Tall Timbers Condominiums Unit O\VIlers' As$o~fation, Inc, 

(herdnaf:ler ''P{1;tinfiff1 orth~ "Assp~iation''), and for its Complaint again~i Defehdfuit Travelers. 

Casualty Insurance Company of America (4'I)efenda:nf' or ~·T1~vel~rs") states as follqws; 

PAUTIES 

1. The As~ociationis ari Ohio :n9'i1-profit cotpor:a.tion with a primary place of business 

in.Hari1ilto11 County, Ohio. 

2. Travelers is a Massachusetts corporation with. its principal p.lace of business in 

Boston~ fyfassacl1us~tts. O: ls t~gistered to do fo$t1ranc-0 business fo Ohio and coilducts busi'ness 

withinthe state ofOhios including within Hamilton County; Ohio. 

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3. Venue is proper i11 thisc district and division pur~mant to Ohio Civ. R 3(B)(3), 

3(8)(5), and 3(BX6) bec:m.1$¢ a stlbstaritial pa.it ofthe events or omissions giving rj~e to 1h:is cape 

occurrecl in Hamilton Cpunty;. because the property _that is the subject of this action is situated in 

J-Iamilton Co1inty, and/or because the Defendant conducted activity that gave rise to the cas¢ in 

Hamrlton County: 

FACTUAL ALLEGATIONS 

4. Th~ Association is an insured by Defendant under a commercial property insutanc;e 

policy issued by Travelers, 

5, To date~ Ttav:elets has unreasonably tu1d 'l.\'ithout g9od faith refused to pay TaU 

Timhef~;_ ch1irns for dmn~esto tot>fs on .its t\.V~l ve ( 12) buildings, as stated herein. 

6. T.he Association consists of the all ovmers of certairt .real property and 

improvem~ntsJocated at 790 t .;7982 Tall Tim bets Lane; North Bend, Ohio45052 (the ''Property'1). 

7. Travelers issued Commercial Property Insurance _Polity Number 6&0~6B555425 

. .(the ''PpJfot') with a.ti effective coverage period From )\pril $, ZO 15 th.mugh A piil 5. 2016, Atrue 

and accw:ate copy of the PQHcy i~ attached hereto as .E-xbibit A. 

8. T11e Policy was in force and provided coverage to the Association at·all :teievant 

times herein~ ipqluding d.uting tl1e.dates of all fosses. 

9. This ~ction "?fi$es out ofirayders~ del'di1J bfthe Assocfation~s claim for .coverage 

under the Policy :tor the. cast to fully anμ prop~rly repair roof dama$e at tv,,-elve condo.ntini:um. 

buildings at the Prope1ty and owned and maintained by the Association. 

10. On or about September 4 ~d 5, 201S, a severe hail-producing storm with heavy 

sustain.eel wfods and .gusts of Wind passed through the North Bend,. Ohio area. 

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ll, The severe storm caused extensive dat11ages to the roofs at twelve {12) 

yQndoininb1m buildings located. ~t the eroperty ~1d o-wned by the Association, incl:uding~ without 

limhationj catising .missfog1 sliding, blistere.d, and creased roofing tabs ~nd shingles. (the ''Loss''), 

AJt.hou,gJ:i Plaintiffdoes not own the individual o.nitsc:oroprisfog the coildomihiwn, Plairitiff:o'wns 

and is responsible for repmr and maintenance of the ro.of~ au.d other comm.011 portions of the 

Asso<;iatfon, and. as such, Plaintiff is the real party in.interest for all damages clailned.herein. 

12. lh April 2016, after di$GOVering the Los~, th.e Association, thrmtgh its prowrtY 

manager, {,..Manag¢r'°'),. contacted Ttavclets to notify them ofthe Loss and filed Travel.;rs Claim 

Ntnnb~rE6K7;49 ("Initial Claim'l 

13. Upon infonnation and beliet: after the Initial Claim was filect Travel~rs sertt a 

roofin& contract¢1\ au agent, and representativeJoihspectthc·roofs Property forhail.dru11age, 

14. Despite having r{}ceived the A~sociation.'s notice that th~ roof$ at th(!' Property had 

ele.perienced wfod damaget Travelers• agent arid r.eptesentative did not inspect the roofs .at· the 

Prop~ny for w.inq qam:ag~. 

15. On or about May 8, 2016, a Travelers:' Claim Professfoi:i:al; S(:!qrt Torb~ck, 

Gttorteouslyinfotmed the Associatirm's Manager that the Association;s Policy did not cover the 

. Loss for the damages claimed by PlaiQfiff. 

16" On or about.May 19. 2016, upon.information. and belief:, after being notified by the 

Association ofits etrnr with rt::spectto the .Policy's coveraf$e an.d correcting the error, Travelers 

allegedly completed an estimate qfdamages ;;1111:l issued an initial {oss payment for the Initr!ll Claim 

in the amount of Six Thousand Seven Hundred arid t.9/100 Dollars ($6;700, 19) for the bail related 

dat:nages to the Property (''Initial toss Payn1ent1'). A ttJ,te and:accutate copy of the May 23, 2016 

letter with th.e estimate of damages is attached hereto and incorporated by ret~renc~ as Exhibit B. 

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17. ()nor about.Sept~mber t8, 2Ql6, Tnwele;n; notified the,Association'sManager that 

the Initial Claim had been closed and that a n:ew claim would ne~d to be opened hy th¢ AS'sociation. 

fS. On or .a,bout October 13, 20I6, the Association filed Travelers Cla.hn Number 

E8P0774 esupplemental ClaimH) furall loss~ tha,t \Vere sustained by Pfoi11tiff dl,lc to hail and 

wind damage. 

19. On or about Oct{)ber 27. 2()16, Doruu.1 Enginee;ring Co,, 1nc. pi'epared a report 

related to the Property and the Loss at the Property for the Initial Claim whicl1 upou jnformation 

awl belfof, vva~ regue::.ted by Defendant The repPrt acknowledges ~ertain of the wirtd and hail 

damage to the Plaintiff's 12 buildings from the storm events of $epte11"1ber 4 and 5, 2015. 

'.20. Upon intom,atlon and belief~ Ofl or about Deceihher 19~2016, Traveler,s informed 

the Association that the Clajms wo1114 be covl;lre<l in an additional <lt.11ourtt of One lhousand Six 

Hundred Ninety-Nine and 04/1 OOD0Hars($l1699.04). 

2L l[pcm iruotn;1ation and belitf, on or about April 27. 20l7t Travelers ~pproved 

irilpplernefiful coverage for additional repair/replacements on the Ch:titns to. the Association in the 

amoUI1t of Two tlton~dTwo Hundred EiwitY and 67/100 Dollats($2,280.67r 

22, Plajntiffprovide4 W.J.lltiple instanc~s of notifipati:o~ to Defendant Travelers that 

these estimated _payments wete insufficient. and the Association did not aqcept or deposit a,ny . . 

payment~ from Defendant 

23: Plaintitl: Plaintiffs contract-01\ and .Def~ndant through Defendant's ~g;ents met on 

site at Tall Timbersin the springof2017 to review all damages sustained by Plaintiffqf it~ roofs. 

Defenqant's evaluatio:n:agent initially agreci:l with Plaintiffs contracto.rthatthe roofs needed to be 

replace-cl as result of the damages they had sustained, but la.ter, .after ~onfertlng· with J)efenclant. 

Detendant and.its agent denied Plaintiff's claims for r~placentent and other damages, 

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. I 

24. Upon infom1at.ion and belief, a cmu;pa11y kno:wn as ITEL Laboratories :Prepared an 

aspfoilt r:-0ofins evaluation (the .~Evalu~tion") for Travelers reh1ted to the Claims and the Loss, 

:which indicates that it was unable to find @ny :match in its national. ~earch for the identification qf 

tbe origin:altoofa1g tabs and shing(es atthe Property and was t.mable to detennine the exact original 

manufacturer of the roofing tabs and/or.shingles.at th~ Prnperty. Further, upon·intbrmation and 

beiief;lMre ate cutrently rio manufacturers thatpri:iduce a similar colot and/or style of shingle as 

tho~e found on:Pfaintlff's 12 buildings, and there ate ilP s(iii;i;ible $Qbstitute shingles. 

25. Ohio Administrative Code § 3901 ~1 ~54 sets forth "unHbnn minimum standards for 

tlie ir:tvestigation and disposition of pr<iperty and casualty chums arisii:ig onder insurance 

contractsLT' Furlber1 th~ provisio11sof OAC § 390l~l-54 ''are inte11ded to defhie proG~dures and 

practic~s whichcoustitute unfair clafrns prJctices.'' 

26~ OAC §, 3901 ~ l-54(L)()J(l:>) requlre.s th.at·'[w]hen an. intetiot or extedot }(js:s requ,iJ:e.s 

replacement ofan item and the replaceditem does notmatch the quality~ color or size of the item . . . 

suffering: the ll)ss. the insutcr shall teplace ~s much of the Jtet:n as to result io a reasonably 

comparable appearance." 

2 7. The Association. is entitled. to and has demanded that, fo fue absence of a reasonably 

cml).pamble m:at~h to the pteex}sti.ni; tabs and/or ,shingle-s. Tr,welers petfoilli .and/ or pl'ovide 

pay:nient for total tab and shingle replacement on the damaged roofing of each of th~ buildings. 

includi11g ¢placing the pr¢existing undamaged tabs and/ot Shingles.on the roofing in otdeito tesult 

in ~ reasonably oompm:ablc appe1l.rance, 

28. Despite befog unable to find a reasonably comparable color and/or style roofing tab 

andlor ~l:iinglt in the markc:t and despite the Assoclation}s detnand for total tab and shingle 

replacement tp result in a reasonably c:ompara):)le appeat1mc~. Tl'.avelern has offerflo to cpver oll1y 

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the repair and/or rtplacement of th~ imlividuat damaged ancf missing tabs and/or shingles on the 

roofing, which is breach of the Policy and Plaintiffs rights imder Ohio law, 

29. Repairing and/or. replacing oniy the tndividuaJ damaged and missing tabs and/or 

shingles "vitl10~\t a reasonab.!y comparable coto.r and style tab· a:o.d shingle and le&ving the 

preexisting undamaged. tabs and shingles the roofing .at buildings on tl1e Property is lacking in 

neces~y scpp~ and '-Vill result an incon~i$tent ~ppearauce m:id~r the OAC § 3901-1-54([)(1 )(b) 

·Tea,;onably comparableappearance~· requirem~nL 

30. 11:ie dollar runounts of the Initial I..oss Payment estimated and all supplemental 

claim p~yments ti:iat were estin,:ated are far less than the amount that woul4 .be r~uired to 

adequately TMtore the.roofs at the property to the extent and. the quality required under Ohio law, 

including, withoutlhnitatio.1h QAC § 3901-.i~S4(l)(l)(b), 

.ll. The necessary repairs to the roofs .at the Property, to cqmply μti.th Ohio law,. will 

r~quire total tab and shingle replacement because the tabs m:ld shingles on the roofs must be a 

reasonably comparable match to each other. 

32. Travelers, in making its Jiroposed. loss payments, knowingly ignored infonttatkm 

provili~d in its own Evaluatfpn that there exi~ts no nnmufacturers that prodtlce a, sirnilar color 

and/or style tab and shingle· and no stJitable productthat would ~sult in a '"reasonably comparable 

appearance'' in the market 

33. To qate, despit~ peing Uabl~. tq 1;-0ver and indemnifyfhe Association fQr the total 

tab and shingle repiacement, pursuant to Ohio law and the express Policy language discuss.ed 

belcrw; 'trav~tel'S has unreasonably and w!thoutgood faith .rt:futi;edto provide coverage sufficient 

for complete anq proper roof repairs {It the .P.rope1ty. 

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34. The cost to ftdlf and adequately repair the roofs at tb.e Property is within the 

Pqhcy's coverage limits. 

35, The Association bas complied with any and all-terms and/or conditions :pr<:;cecfent 

to the Polfoy, suchJbat ids entided to full coverage for the total amount of its .losses. 

36. As a proximate result of Travel~rs' failure and pllrposefur refusal to pay fot total 

tab and shingle replaceinent> the Association has been unable to. repair the roofs at the Property 

~'Ki. therefore, ll-te ro9fs contiriitt to be in a state of dis.repair, the buildings anc! roofs.are unsightly 

to owners. tenants, arid potential owners and tenants. 

37. As a prn:th1,1ate re.suit o:f Travelel's' failure and puryoseful ten.is~! to pay. for total 

tab and shingle repiacement;the Association bas been further damaged if). the fi:mn oflqst ~w;.r:iue 

.relating to the irnpact ofthe roof disrepair and the· unsightly nature of the roofs upon the members 

Qfthc Assodationsr ahJlityto .market, leas~ or rc;-leasl! their units at fne PmJlerty, 

38. As a p.roxitnate result of Travelers' failure and purposeful refusal to pay for toteμ 

tab ®d shingle tf;placemertt, the Associatlon has been furtl1er damaged bec~use, ir the roofs at the . . 

Property .remain unrepaired, or are repaired using the meth,;xl that Traveler.$ sugg~$t~) sucl.i 

di:srepai;r will create and constitute a latent defect to the Propet.tyt which the .meinbers of the 

~socfatiprt would be required to disdqse fo any potential potchaser of units locl:lted at the;:, 

Property~.thus reducing the value ofthe Property by the repair :and replacement cost ofthe roofs. 

COUNT 01'':E. 

(D~tlaratory Judgment) 

39. Plaintiff restates and incorporates by reference each and every alleg~tion set fo!}h 

aoove asifthily rewritten herefo. 

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40. A dispute has aris~m between the parties over 'Ir:avelets' obligatiOn ui1det the Policy 

and Ohio Jaw to pay for tl1e full cost of repairing and correcting all roofd;una,!?e sustained at the 

Property. 

4L Pursuant to Ohio Re-vised Code Chapter2721, the :Plaintiff isentitl~ to judgment· 

in its favor declaring the tights and obligations under the PtiHcy .. 

42. Specifically; the Plaintiff is entitleq to a declaration that DefendMt Travelers:" is 

obligated undetthe. Policy to covertotal tab and shingle replacement on the roofs so as to achieve 

a ~easo.nahly CO(ilparable appearance~~ puts.ua,ntto the Policy .and OAC § 3 90 l -l-54{I)(I )(b ), 

43. Uuder Ohio la,lJ· insurance· policies are to be Iib,erally construed Jn favor of the 

insu,red ~d in favor of coverage. 

44. The Association requ~sts this C,;mrt to issue.a.jud&ment pursuant to Ohio R¢vised. 

Code Chapter 2121 that Travelers. is obligated to perform total fab and shingle replacert1ent on the 

twelve (12) roofs as is.requinm under the P9Jfoy and Ohio law:c att<l for such other relief to which 

the ASsociation is entitled m1der Ohio Revised Code Chapter272tarui .c.ither ~pp1ical1Je law. 

COUNTTWO 

(Bi·~acb of Contr~ct) 

45. Plaintiff restates and incorporates by reference ~ach, and ev~ry allegation set forth 

abq:ve as if fully re.written he:teirt. 

46; The Policy cqnstitut~s a valid and si,:i.bsisting. cotttra<,1, to which the Association is 

a.ti insured party and/ or· an fotended thtni~party beneficiary. 

47; 'fhe A$Socfationhas cptnplie<l.with all applicable.obligations under the Policy, such 

as paying the Policy pr~miums and promptly 11(:)tifying Tnwelers ofthe. Loss. 

48. The Association faan ·"insured'' as defined by the Policy~ 

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49, Under the Policy, Tiav~Ietsis obligated to coyertheAssociationforthe full cost of 

repairing damage.'l or loss to the Property caused by a covered cause of foss, jncludfog weather 

events such as. windstQtins, 

50. Travelers has breached its obligations under the P<{lic,:;y by virtue Qf its failure to 

covet the Association for all covered.damages Piaintfff s11sfuined at-the Properly. The·.arnoun,t fo 

the damages thatareto be-insured, anμ covered Utiderthe Policy ar~ expected to exceed the amount 

of$ l94,509J S. 

5L There .exists n:o applicabl~ exclusion to covem8e imder the (erms oftforPolicy .. 

SJ As a direct and proximate result of Travelers' b~a:ch o:fthe '.PoUcy, the Association 

has ·bee11 damag~d in an amoJ.lnt iu excess of T'l.¥-e.nty-Five Thousand and. 001100 Dollars 

($25,000.00), in. an amount to be prq-ven. at t:rial, .andPlaintiffis entitled tQ and hereby demands 

judgnientJirits favor and against Defendant for such amounts~ plus inter~st' and costs, 

COUNT THREE 

{IhuJ Faith) 

53, Plaintiffresrates and fucotporates by reference each an,l every allegation set (orth 

above as if fully :rewritten herein. 

54. Travelers, as. insur~rs:; have a duty fo act in gqod faith in the handling· and payment 

ofthe A.ssociatfo11~ s claim, 

55. Intent is. i19t <1.n element of good faith under Ohio l~w; a lack of ~ood faith is 

established if the refusal to pay the claim is n9t based on drcumstanc~s that :furoisn reasonable 

justification.for the refusal. 

56, Travelers 1:ias refi.15ed to prnvlde coverage and pay the Association fol' the fuH cost 

of total roof tab and. shingle fepfaceilient at the Property. 

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57, Travelers actions in both the processfog of the Association's clru1n and in its denial 

offuH coverage, as .set forth in the precediug paragraphs,we.re arbitrary and capricious. 

5.8. Travelers' tefusal to pay the clahn was not based of:l circumstances that constitute 

a reaspn?b[ejusfification for the refusal. 

59. Travelers' .refosal to pay the foll cost of total replacemenf (}f the roof tabs and' 

shingles at the Pi"opetty, eveu after their ow1i expert provided. the Evaluation determ:ining that no 

reasonable. match for the preexisti11g .rooft::i:hs ~d shinglts 90111d be found .in th~ market, is not 

based oh anyre.asonableJustificatioti,. and. travele.ts therefote has failed to .pay the cl.aims in good 

faith, 

60, As a result of Travelers• lack afgood faith, toe Associati()n is entitle(l to recover 

not cmly cornpensatory dan1ages tn a11 atnouut to b¢ deteri:nined: at trial~ and in cx:cess of TwentyFive Thous,llld and 00/100 DoJlar.s ($25,000.00), but also. pwutive darnage-s and; reasonable 

attorney's fees, each in an arnoiint fo be determined at trial. 

WHEREJ!ORE) Ji.wing fu11.y pled, :Plaintiff Tall Tinib~rs ConcJqromiurns Unit Ovro.ers' 

Associationt Inc~ respectft1lly deri1ru1dsJudgment in its favor and against Defendant <'IS foll9ws: 

A. A$ to Coimt On¢, a decJaratory judgr.ne11t th.at Defendant 1':ravelers Casualty Insurance 

Cqmpany of America has an. obfigation tP cov~1' and pay the PlainJilITalJ 'fhnbers 

Condo.m:imlUi1g Unit Owners Associati,011, Inc. for the full .cost of total roof tab and 

shingle repfaeetn¢nts at the. Property, under the Policy· and Ohio la,v, plus costs; 

B, As to Count Two,jtu:lgment in favor ~f Plaintiff Tall Tim~rs Condominiums Unit 

()wners Association, Inc .and against Defendant Travelers Casualty Jnsunmce 

Qo:mp.wy of America in: an amount to be detertr1i.Qed at trial, b.t1tin ex:ceS:s of Twenty,.. 

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Five Thousand atld.00/100 Do.liars ($25,.000.00), plus pre-and post-judgment interest~ 

expenses; and the costs of this action; 

C, As lo Count Three~ jtid~me.nt fo favot of Plaintiff Tall T}mbers Condominiums Unit 

Owners Association; Inc and against Pefendant Travelers Casualty ln.surance 

Company ofAtner.icafot lack o.f.goodfaith} in an arnounHo be determ.i11.edat trial; but 

in excess ofTwenty~ Five Thnusun~ and 00/100 Dollars ($25,000~00)} plus rui award of 

punith•e damages and attomey"s fees in an.amounttq be 4?tennined, plu~ pre- and po$tJudgment interest, ex_penses, anq the c:o~ts of this action; and 

D. For an. award of such other and. furtl1errl';Iiet at law or in equity~ as this Court ma:y 

decrn just and proper. 

Respectfully submitted, 

------·--- . 

/f.t· . ' "'. 'i o, .. ..,"-··...,·-r··-·--, 

S.z!tr.P. lio:~van (0069613) 

Jeffi:ey lvL Nye (0082:247) 

ChristopberR Janes (009235.l) 

STAGNARO, SABA . 

&PATTERSON co. 1 LP.A, 

2623 Eri~ A venue 

Ciricinnati, Ohio 45208 

(513} 533.-2705 

(SU) :533-2715 -facsimile 

§R~1@ssofimj,{\Rn 

AitorneysforPlaintif!Tall Timber.r Condomfniums 

Unit Ownf?rs 'Association, Inc. 

JURYDEMAND 

Now comes PJai.htifl Tall Tim.hers CondomiriiUms Unit Ow11ers' Assm::iation.,. Inc., by 

and through cou:nsel) and heret>y demand ajμry trial as m all matters and issues so triable;. 

s1t:~~::_::~, .. - ----.. ------~-- ~eatf:P. Donovan (0069613) 

-Jeffrey M. Nye (0082247) 

Christopher R. Jones (009235 l) 

11 

E-FILED 09/01/2017 02:48 PM / CONFIRMATION 654417 I A 1704612 I COMMON PLEAS DIVISION / IFOJ 

Case: 1:17-cv-00669-TSB Doc #: 1-1 Filed: 10/06/17 Page: 15 of 74 PAGEID #: 19
PRAECIPE TO CLERK 

Please serve the named Defendant, by certified mail, return receipt requeste~, at the 

abovellsted addresses, J.fservice of ptocess by ci.>rtified ma.ii is rettirned by the postal authorities 

with an endotsc:mett.t of ''refμs{3d1' or ~

1

w.1clabned'' an.d if the certificate of mailing -can be deemed 

complete not less than.five (5) day~ before any $cheduled hearing~ the undersigned waives notice 

of the failure -of service hy the clerk and Jequests ordinary mail service In accordance with Civil 

Rule 4;6 (C) or (D) and Civil Rule 4,6(E). 

· Sean V.Donovan (0069613) ·· 

Jeffi:'6y M. Nye (0082247) 

Christopher R. Jones (00923 51) 

12 

E-FILED 09/01/201702:48 PM / CONFIRMATION 654417 I A 1704612 l COMMON PLEAS DIVISION / JFOJ 

Case: 1:17-cv-00669-TSB Doc #: 1-1 Filed: 10/06/17 Page: 16 of 74 PAGEID #: 20
~. TRAVELERS] · 

Report Claims Immediately by Calling* 

1-800-238-6225 

Speakdireally with. a claim professtohal 

· 24 hours a day; 365 days a year 

•Unless Your Policy Requires. Written Notice or RepqrUng 

CONDOMINIUM PAC 

CONPO .. 1•4 UNITS PER FIRE. DIVISIQN 

AC:1Jstom Jp~uranc:e PoH~y Prepared for; 

TALL TIMBERS COND9'11NIUM ASSOC 

C/0 J:.. MUNCY CONDOMINIUM MANAGEl\/lENi 

eo a.oX.$8279 

CINCINNATI OH 452$8 

Pre$ented by: MAR.1EIYfONT INS INC 

E-FILED 09/01/2017 02:48 PM / CONFIRMATION 654417 I A1704612 / COMMON PLEAS DIVISION / IFOJ 

Case: 1:17-cv-00669-TSB Doc #: 1-1 Filed: 10/06/17 Page: 17 of 74 PAGEID #: 21
~ TRAVELERSJ 

COMMON. POUC.Y DEC:LARA TlOJ\IS 

CONOOMINIOMPAC 

BU$iNES$tCOND6 "" l-4 UNI 

INSURING COMPANY: 

OoeJower Square; Hartford, Connecticut .0$183 

POLICY NO.: 6B0-6B555425-15-42 

ISSUI: DATE: 03/11/201.s 

TRAVELERS CM;UA.VI!Y l'.NS11RANCS COMP.i\m OF AMERICA 

1. NAMED INSURED AND MAILING ADDRESS: 

TALL TIMB:~~S CON'DOMINIJJM A$$0C 

C./0 L. MONCY CONPOMI:lU.UM !itANAGEMENT 

:E>o ao.x s.a2.1s · · · · 

CWC'.I:NNA:TI OR 4525.B 

2 .. POLICY PE~OD: From ot/os/2cn.s to 04/0S/2016 i2;01 AM. standard Tirne at your rnailing address. 

3. DESCRIPTJON OF PREMISE~: 

ADDRESS 

PREM,LOC. NO. BLDG. NO, OCCUPANCY 

001 ALL CONDO ,- 1-4 tJWI 

(same as Ma«ing A(id~ss unless spedfied otheryvi~e) 

H0.0 T,Att, 'l'IY.:Sl'mS DR 

#c ?906 

NORTH.BEND OR 4505.l 

4. COVERAGE PARTS AND SUPPLEMENTS FORMING PART OF THIS POLICY AND tNSURlNG. 

COMPANfES . . .. 

COVERAGE PARTS arid SUPPLSMENTS 

Bueineesown13rs coverag~ l?iirt 

INSURING COMPANY 

AC.:r 

s. The COMPLETE POLiGY consists of this dedarations ar1d all other declarations. and the fotms and endo.rse ,. 

mt!!nts for which ~mbol numbers areatt~ithed on a.separate listing. · · · · 

6. SUPPLEMENTAL POUClES: Each pf the fol!owlng is a .. sep<3rate policy containing ,ts complete provision:;;. 

POLICY POLiCY NlJMBl=.R INSURING COMPANY 

7. PREMIUM SUMMARY:: 

Provisional PrelJlilltn 

Pue at•lh¢¢ptioh 

pueatEacb 

J\IAt•JfEAND ADDRijSS OF AG~~T OR !;!ROKER 

~IEMQN~ INS I~C 

5.7~S DRAGON WAY STE 2:00 

<?!NClNNA'l'I Qll: 4S227 

IL TO 19 02 OS (Page 1 of 01} 

Office: COLUMBUS OR DOWN 

$. 12.o~a.oo 

$. 

$ 

COUNTERSIGNEP BY: 

Authorized Representative 

DATE: 03/1.1{2:oi:s 

E-FILED 09/01/2017 02:48 PM / CONFIRMATION 654417 / A·1704612 / COMMON PLEAS DIVISION./ IFQJ ... 

Case: 1:17-cv-00669-TSB Doc #: 1-1 Filed: 10/06/17 Page: 18 of 74 PAGEID #: 22
TRAVELERSJ' 

BUSlNESSOWNl=:RS (;OVERAGE PART DECL,ARATICINS 

CONI!:QMINIPM P:Aq POLICV NO~: 6 8 o .. 6")35554~.5 ~ts~ 42 

ISSUE DATE: 03/;Ll/2 OJ.s 

INSURXN<.l COm>A!tt: 

TlU\Vl::J'.liiRS CASUALT~ I?WtnUNOE COMP.Am!' ot .AMlilR:ICA 

lciOLICY Plil~ron. 

Frain 04-0S-1.5' to 04,.,os-.u 12:01 A-*· standard Time at your mailin~ address. 

roiut OF ·BUSINESS; CORPOAA'.r'.tON 

CciVEAAGES Mm LIDl'S OF INS~CEt Insurance ap~lies only tp an. item for which a 

"limit•i or tha word "included'' is efb.own. 

General Aggregate (except .Products,-,Coroplet.sd Operations Limit) 

Products-,compieted Operations Ag1rregate Li'lll.it. 

PersonaJ. and Advertising Injury Lirni t. 

Each Occurrence Limit ·. · · · 

Damage t!) EremiaeB R1:mted to YoU: 

Medical Paymen.ts: Limit Jany one person) 

ttiit'is 

$ 

$ 

$ 

$ 

$ 

$ 

OF INStrt:W.>l'CE 

2,000,000 

2,000,000 

1,. 000, 000 

1,000,000 

300,000 

s,ooo 

DEDUCTIBLE AMOUN'r: Bue.inessowne:rs i'rope,:ty ciove:i:age i 

Buildin!J Glass: · 

$ t.,000 per occurrence. 

$ 1,,00.0 per occurrence. 

BUSINESS '.l:NCOME/EXTRA EXPENSE LIMIT: Actuai lo.e.e sut,j_ ect to a. maxim.um liro:it of 

$ 77,500 

Period of Resl:oration-Time Period.: 72 l!ours 

Atl:O.I.'tIONAt. C.OVE!tAl'.l:S: 

Fine Arts: .$ 25,.000 

Other additional. coverages apply ;;md may b.e changed ~Yan endorsement. 

:read the pa1i.cy. 

$f'E:ClAL PROVl~ONS: 

COMMERCIAL GENERAL LIABILITY COVERAGE 

IS SUBJECT TO A GENERAL AG.GREGATE LIMIT 

MP TO 01 0:2 ll5 {Page 1 of 2) 

Please 

E~FILED 09/01/2017 02:48 PM / CONFIRMATION654417. / A1704612 .. 1 .. coMMONPLEASDIVISION · '··· IFOJ. 

! 

1 I Case: 1:17-cv-00669-TSB Doc #: 1-1 Filed: 10/06/17 Page: 19 of 74 PAGEID #: 23 I 
PREM1SE$ l.OCAT10N NO,: 001 BUILDING NO, : ALL 

Llll[J:T OF 

COVEllAGE 

BU:i::t.DT.NG 

INSURANCE VALVATlgN 

$ a, 552., 445 !Hank.et. Liild,t RC* 

*Replaee:ment Cost 

BUSINESS PERSONAL PROPERnr l;'NC.LU.l'.l'E;o rn BI,1\.NKET LIMIT 

~~e~lace~erit Cost 

COVERAGE EX"l'ENSIO»S: 

Accounts Reneivi!!.ble 

V:a:l;u~le l?aI?e:i:::~ 

25,.000 

:r!'?; ooo 

l;QLATION 

COINSURANCE GUARD .. N/i 0,0\ .. 

N/A, .p.0% 

other coverage exterisiotis apply and may be changed py an endi::lrsem.ent ~ Ple.al!le icea.d 

t~e tio1io:y, 

MP TO 01 02 05 (Page 2 of2) 

· ·E"FILED 09/Q.1/2017.02.:48 PM / CONFIRMATION 654417 / A 1704612 / COMMON PLEAS DIVISION l IFOJ 

Case: 1:17-cv-00669-TSB Doc #: 1-1 Filed: 10/06/17 Page: 20 of 74 PAGEID #: 24
POLICY NUMBE~; 6.8Q-~l!.!);l'jli,42!i-15-t2 

EFFECJlVE DATE:. ovos1::ro1s 

1$S'-JE PATE! O'.f/11/2015 

LI$TI:NG 0:V FORM$, J!l$)0R$ll'JMJ!Jm:"S .J\lm $0.B.EPtl'C.E NJJM!3ERS 

Tl'IIS Ll'STING $HOWS TaE ffll'MBER.OF FORMS, SCBWOLES ANO ENboRSENEmS 

BY Ll.Nlll. ·QF 13J.:/$~ESS 

IL TO 1.9 02. O!i 

MP TO 01 02 05 

1I.i 'l;B (ll Ql, 01. 

:I:L Tj :15 o, 07 

P.t1SINESS0mi!.S: 

MP Tl 30 02 OS 

.MP T:l· 02 0.2 05 

Ml? Tl 0.3: 02 ()5 

}.(P TJ "0'6 02 n 

MP T'.3 25 OJ, 09 

:t4P 'l'.) 40 02 .05 

MF 'Tl 49 to 06 

MF T3 50 ll 06 

1',l:l? T3 56 02 OB 

~ Tl ss 02 Q:S 

MP Tl 7:2 04 09 

MP '1'1 82 04 09 

·MP T3 23 aa 06 

MP T9 ?O 03 06 

Me '1'3 31i 02 OS 

Cl;> 0'1 2:3 04 08 

CG TO 34 .11 03 

cc.. 'l'Q ss 1() 9.1 

C.G 00 ()1 10 oi 

CG 21 70 OJ. 08 

CG D2 37 11 o.a 

GG P2 5.5 11 03 

CG D3 Cl9 .11 Cl3 

CG D4 71 ()llS 

CG DO 2~ 1{) 91. 

IL T3 01 01 01 

COMMOlit POI.ICY D~CJ:iAMT!()NS 

l:lUS!~sssowmms COVERAGE l'AiT Dl.i:CLARAT!O~S 

F'om,i;s 'E,!W.ORSEMENTS ·Aliti)· SCUlllDU;tE :trol>rB:lmS 

CO..l.IBON' .. POLI:C't COttllI~IO:NS 

TABLE. OF .CONTENTS - BtrS!NESSOWNERS -COVERAGE !?ART -

DELUXE l?T..JlN 

BtiS;t~Ei;iSO~~RS PROl?ER'~Y ¢OVSAAGE S.Pli1CI:AL .FOR)l: 

~ATOR"l PROVISIONS CONPOMlNitl'M .1.\BSOCIATION COVERAGE 

TERRORISM RISK INSURANCE AC'l' OF 200.i DISCLOSURE 

.PR01?ER'rY MANAGERS INCL'10lr.D FOR EMP.LOY.E~ PISRONE:S'l'Y 

atisxtmss .:tNco~·AAD· EXTAA nP!niBE - t>OL.tCY -Lmhi::t. 

OOLLAR LIMIT ENDORSEMENT 

EQlI:Ci'MEwr BREAKDOWN - SERVIC.EDITEAAUPT;I:ON L;D4ITATIQN 

AMENDATOR~ l'ROVISIONS - GRSSlll ButLD!ijG AND 1::IUS:tlitEJ'f$ 

PERSONAL""l?ROl? c;ov E~Cb~S. . . 

.mit~n,QYEE. ):il:SB:ONlliS'.l'Y 1!.ND. .FOl!.~Ell.J OR Ar.l'JRATI'ON 

INCREASED I.il:lfl'T 

C,J\.1J'SBSOF LO,S~ - BROAD FO~FLOOP 

C)\.trSES OF LOSS - EARl'HQUAKE 

:FUNGUS, ~'l', BACTER:1'.A. ANO. O'!~R CAUSES OF L.0$.S CllANS~S 

:?O~R PAC ENDOR.SE?fflNT 

li;QO'IPMEN'l' J3J;l.EAKPON.N" E;lCCl,USIO'.N 

oin:o CHANGES 

TAELE·OF COWI'ENTS ~ COMM.E:RC.;[AL GRNS~r, liIABl'LJ;TY 

co~~GE FORM ca. 01} .o; ;tO 91 .· .. . . . . . . 

.T~BLE OJ CONTENTS - D"IREGTOa.S AND OF:FICERS EN!JORS~NT 

FOJU,i CG DO 21:t 

COMMERC:J:AL GENWRM LIAl:ULI.TY COVE~~E FORM 

CAP QN. LQSS:E!:! fRQM CEJfl'!FtED AC't.S .OF' TERRORISM. 

EXCtUSION - REAI. ESTATEDEVELOPME'fil'l' ACTlVlTXRS -

.COMPLETED OPERATIONS 

AMEND.MEN'!'' OF. COVERAGE ,' !?:OtLUT.tO!lf 

Jl.i.t~NPA'l'ORY ENDR,- PROi>UC'l'S-.cown:,ETED OPERATtONS HAZARD 

~WDMB?il'!' Qll' COVE~GB B. • .l?EllSONM ANO APWltT:tS.l:N"G 

:CNJORY t.!A,:iUI'l.'¥ 

DI.REC~OR$ ANJJ• o:vncmis LIABILITY limDOllSEMSNT COMMUNIT~ 

AS~OCIATIONS 

P-AGE: .1 OF 2 

E-FILED 09/01/2017 02:48 PM / CONFIRMATION 654417 / A 1704612 / COMMON PLEAS DIVISION / IFOJ 

Case: 1:17-cv-00669-TSB Doc #: 1-1 Filed: 10/06/17 Page: 21 of 74 PAGEID #: 25
POLICY NUMBER: 680 66555425,-J.5-42 

EFfECTIVE DATE: 04/05/20:LS 

ISSUE DATE: lfl/11/2015 

Comt.ERCIAL- GENERAL LIABILJ:TY (CONTI~ll:D) 

CG DQ 37 04 .OS 

i;!G.Pl 86 Ii 03 

CG D2 OJ 12 91 

CG D4 13 .04 OB 

ffl? T1 :.is il,. Ql 

CG D.2 4.3 01 02 

CG D2 S5 :fa 03 

CG D2 .8.6 ll 0.3 

CG D:3 .26 10 11 

CG':03 .!Hi ,Q.5 14 

cs D4 21 07 08 

CGD6 18 .1Q 11. 

CG D7 46 01 J.5 

i;!G DQ 76 06 .93 

CG !)1 <.2 OJ. 99 

C(.ID~ 42 Ql 02 

CG T4 78 02 .90 

CQ i.'9 29 07 86 

CG Tl 33 ll 0~ 

:tm'RRi..$ EIWORSEMENT$ 

:tL 'l'3 a2 05 13 

:tL TS 0:2 04 15 

It 'i.'8 0~ 04 i5 

:IL 00 21 09 08 

:r.r. 02 44 0.9 07 

:tL T,3 19 01 oa 

IL TB 01 91 01 

OTHEll INSt,lUillCE. ·~ ADD:tT!.OW!.L INSt1RlID$ 

:x.nND · ENJ;)ORSE!mNT 

AMENn ··- NON CtlMULA'l':toN OF EACH OCC 

AMEND COWi - POLLUTION-EQUIP EXCE?T!ON 

HIRED AU'PO' AND NON ... Ow:Nl!lD Atl'I'O LIAB::,rtI.'l'¥ 

F'C!mi:I OR. :B.i\C'.t'ElUA EXCtiUSION 

AME;qt)~ OF cpVERAGE - l?ROPB.R'r:i' OAMAGE 

~l.O'lME?ifl'-RELA 'l'Er, fRAC~tJ:1::E:S. $ltCT..tl':il ;c.PN 

:EXCtttBION - UNSOLJ:Cl'.TED CCIMMUN:£~'ftQN 

MOBJ:Ll!l iilQU.lPMSNT REPEFINED ~ EXCLUS.rON OF VEHICLES 

SUBJECT TO MOTOR VEHICLE LAW$ 

.All!ENP· coNTRX:t t1u sxdt - axe. TO NAMED ms 

EXCLU.9J:0N - ViOLA'rl:ON OF CQNSUME:R Fr~C!AL PROT.Jrol';toi,f 

L1!.W'S 

EXCLUSION ·"' ACCESS Ol!. DJ:SCt.OSURE 0~ CONFIDENTIAL OR 

l?:l!ilUlOAAL. l:N'FOIDIA'l'ION 

EXCLUS;{:ON - I.RAD 

El'CLU:SI()N >7 DISCRl'MINAT.!ON 

EXCtUSl:ON. ~ WAR 

EXCLUSION.~ ASBESTOS 

OCCURRENCE .., WEST VDlGINIA AND .oaro 

l!lXCLUS'ION OF L0$B DUE '!O VUfJJS OR BACTERIA 

.(;llfflERAL PtrRPOf3E ENDORSWfi)NT' 

NUCLEAR ENERGY LIAB!:L!'XYEXCLU,!:lIONENDORSEMENT {B~O,AI) 

FORM) 

OFIIO c~ES . ., WCEUA'l'!ON. AND NONRENEWAL 

~EON LOSSES FROM CERtIFIED ACTS OF TERRORISM 

PAGE:. 2 OF 2 

E-FILED.09/01/2017 02:48 PM / CONFIRMATION 654417 / A 1704612 / COMMON PLEAS DIVISION / IFOJ 

Case: 1:17-cv-00669-TSB Doc #: 1-1 Filed: 10/06/17 Page: 22 of 74 PAGEID #: 26
COMMON POLICY CONDITIONS 

All Coverage Parts included in this poHcy are i!iUbject to the following conditions: 

A, CANCEL.,LATIQN 

1, The first Named ln11ured shown in .the Declarations may cancel this policy by mailing or 

delivering to US adVijnCe written ndtice of 

canc~lla:tiori. 

2. We may cancel this policy or any Coverage 

Part by mamng or · deliverittg to the first 

N,:1me(J Insured written notice of cante!lalion 

at.least: 

a. 10 days be.fore the effective date of can-

~llatiQfi if we canoe.I for rioop~yment of 

prElmlurn: or . b. 30 days before the effective .date of can~ 

cellatioh if we r.aricel tor any other reasQn. 

3. We .will mail or delhie(ouf notice to the first 

Named lnsured'.s fast malling address known 

to us, 

4. Notice of cance.llatlo:n will state the effective. 

date of cancellation. If the pt)flcy ls cancelled, 

that dale will become the end of the policy 

period. If a C(Nerage Partis ¢a:ocell~d; that 

date will b~come the end of the. policy period 

.,;is r~speqi:$ that Coverage Part only, · · 

5. If this policy or i'ir.iY CQYerage Part is can~ 

celled, we will send the first Named _Insured 

any premrum refund due. If we ~ncel, the re~ 

fμnd wlll be pro rata. 1.f tbe ftf$( Named In~ 

sured c.:ihcels, the refund m~y l)e less than 

prc.i rata. The cancellatiori. wl!I be effective 

even · if we- have not made or offered a re~ fund. .. . . . 

6. It notice i~ mailed; proof of mailrng will be 

sufftdiel'lt pro<;lf of nptice, 

Et CHANGES 

This polfcy contains all the agr1:1ements between 

you ~nd. us, cancetning: thi;:i· insorance afforded. 

The first Narne.d in$ur~d shown in the [)eptara; 

tiotis is l:luthortz:ed to mal<a change$ in the t~rms 

of this policy with our consent, This policy's terms 

can be arnendl:ld <ir Wi;il~ed only by endorsement 

issue.d by I.JS .a$ patt of this policy, 

C;. EXAMINATION O.F YOUR BOOKS ANO 

RECORDS 

We may examine and audit your books ,and :re-

¢otd$ as they rela,te: to this policy atany time during th1;3 pqli¢Y p~riod and μp lO three years afterW~rdT . 

O. INSPECTJONS AND SURVEYS 

1. We have. the right to: 

a; M<:1ke ir1spectiqn~ and surveys at any 

time; 

.b. Give you reports on ttie conditions. we 

find; ijnd 

c. Rt~cornrnend changes. 

2. We are r\ot obligated to make any inspections, surveys, reports or reCQmroandations 

and any swch actions we clo undertake relate 

only tQ insurablHty ;:ind the Pf Elt'nh,ims to b.e 

charged. We do not make safety ir,speqtions; 

We do l'.\Ot ~rrdert~k~ to pf;l.ifprm thl:! duW of 

;;my perscti or organi;miion to pJovrde for the 

r,ealth or safety of workers or the publiq. And 

we do not warranHtiat cc:mditions.; 

as Ara safe or hea"hful; of 

b, Comply with faws, reg.ulations. codes or 

standards. · 

3, Paragraphs 1. and 2. of this conctWori apply 

nQt only to .us, bl.!t also to any r:aUng, l::ldvi.:. 

S{)ty; rate servlce or similar orget\iz.$tion 

which makes ·ins_urantEI inspecttoM:, survey~. 

r~pons qr recomrtiendatlons. 

4.. :Paragraph 2 .. df U'lis condition does not appiy 

tp a.i:iy ln$pections, $Urveys, reports or recomrnendatiortS we may make r~lative to certification. under state or n,μ01cipal statutes, or~ 

dfnaiiC.!:lS or regulatio(lS;, Qf boil.er$, pre;ssure, 

vess~ls or ei13-vamrs. 

E. PRE\VIIUM$ 

1. The first: Named Insured sh.own iii the Decla,· 

rations: 

a. fs responsible for the payment- of all pr&c 

miums:: and · 

b. Will be the payee for any return prerrtl, 

umswe pc1y. 

IL T3 15 09 07 tR1.11dl34tj lnciudes ll'le copyrighl\,d material oUnsuranca Setvi~s Offlc& .. tnc. Will:l i!s p~rmisslon. Page :1 of 2 

E-FILED-09/0-1/2017 02:48 PM I CONFIRMATION 654417 / A-1704612 ./. COMMON .PLEAS DIVISION / IFOJ 

LI 

I 

I 

Case: 1:17-cv-00669-TSB Doc #: 1-1 Filed: 10/06/17 Page: 23 of 74 PAGEID #: 27
i.. We. compute all p~mlum,s for 1his pollcy in 

aceprdance .with oo, rules, rates, rating plan~, 

premium~ and rninim4rn premiums. The premium shown. lri the Declarations was compllted based· on rat.es and rule$ · 1h effect at 

the time the policy was isstsed. On each re:--

n.!3wal, i;:ontiouation or anniversary of the 1:1f:.. 

rectlv~ ct.ate of this JX>licy, we wlH compute 

the premium iri accordance with our rates 

and rules then in effect. ... . . . 

f. TRANSFER. OF YOUR SIGHTS AND DIJTIES 

UNDER THIS POLICY . . . 

Your rights. and duties under this policy may not 

be tran'srerr~ Withoot our Written conseni except 

in the ca~. of de<;ith of ~n indiyidual O!:IQled in:--

sured. 

If you di~, your rights and du.ties will be tr~ns~ 

fert~ to your IE!ga! reprasenfatlv'3 but only while 

adirig within th~ scope of (luties as your !~gal 

repreaentatlve .. l)rrtil your fegaf representative is 

appointed, anyone having proper temporary ousfody of your property will · have your rights and 

duties butonlYwith respect to that:property. 

G~ BUSJNESSOWNERS COVERAGE PART -

REFERENCES to FORMS ANO .ENDORSEMENTS 

In soma instances, the Common Policy Decfara; 

lions may. lfst endorsemeriis included in the Businessowners Coverage Part that reference, 

1. Th~C<immerdalPropertyCover.;1ge Partt 

2. the Commercf1al G.enetal Liability or Uquor 

liapi!jty Coverag~ Part; or 

I 

3, Standard Property form$ inc!LicUng, .b1.lt not 

limited to, the following: 

a, BuUding and Personal Property Coverage Form; · · 

b. Business Income Coverage tonn: 

c. Commercial Property Conditions.; 

d, Condominium Association. Coverage 

Form; 

&, Condominium Commerclal Unit-Owners 

Coverage Form; · · · · · · · · 

f. Causes of Los~ 13asi~ form; 

r,. Causes of Loss Special Form; and 

h. Causes of Loss Earthquake form. 

Endorsf1ments referencing the Commercial 

Property Coverage Part. qr the $tandard 

Propeey Forrns refersncec:f above apply to 

the Businessowners Property Coverage. Spe. 

cial Form io the same manner 1:1s they.apply 

to the forms they reference. 

Endorsements referencing. the Commercial 

General Liability Coverage Part apply to the 

Commercial General Liahltity Coverage Form 

(included iii the Businessowilers Coverage 

Part) ii:1. the same mariner as they apply to tt:ie 

form th~y reference. 

H, INSURANCE UNDER TWO OR MORE COVER~ 

AGEPARTS 

If two or rnore of thJs policy's c.:weraga P1:1rts apply to the Elame tpss or <:lamage, we will net pay 

more than 1he actual amount of the loss or dam· 

age,, 

This policy conststs of the Cornrnon Poi1cy Oeciaratlons and tbe Cov~rage Parts and endorsements listed fn thal 

declatatf ans fprrn . 

. In return for payment of th~ premiμm, VIie ~gr~e with the Named Insured to provide the insurance afforded by a 

Co\!erage P;;trt fonning part of this policy. Thatiosurance wm be proyjded by the cornpany lrldicated as ins1Jring 

company ih tt:ie Commo1l PoHcy Declariiltior,~ by the abbreviation of Us 11arne oppos~e th,at Coverage Part 

One of the compani~s listed below {each a stock company} has executed this poficy, and thts poHc.y is counter" 

signed by the officers listed below: 

The Travelers lhdemnityCompany(!ND) 

The Phoerii:x: 1('1$Ur~OGE(Cornpany (PH)(} 

Toe Charter Oak Fire ltisurance.Cornpany (CQF) 

Travelers PropertyCasualiy Company of America {TIL) 

The Travelers Indemnity Company of Connecik;:Ut{TCT) 

The Travelets lodeninity company. of Arh€:lrica {TIA} . · .. 

Travelers Casualty lnsvrance Company ofArne.rica: {ACJ) 

Page2.of2 

~-.~~ 

Pr~sident 

E,FILED 09/01/2017 02:48 PM I CONFIRMATION 654417 / A 1704612 i COMMON PLEAS DIVISION / IFOJ 

Case: 1:17-cv-00669-TSB Doc #: 1-1 Filed: 10/06/17 Page: 24 of 74 PAGEID #: 28
BUSINESSOWNERS 

E-FILED 09/01/2017 02:48 PM I CONFIRMATION 654417 I A 1704612 I COMMON PLEAS DIVISION / -IFOJ ... 

Case: 1:17-cv-00669-TSB Doc #: 1-1 Filed: 10/06/17 Page: 25 of 74 PAGEID #: 29
BUSINESSOWNERS 

E-FILED 09/01/2017 02:48 PM / CONFIRMATION 654417 / A1704612 l COMMON PLEAS DIVISION / ·. IFOJ . 

Case: 1:17-cv-00669-TSB Doc #: 1-1 Filed: 10/06/17 Page: 26 of 74 PAGEID #: 30
TABLE OF CONTENTS 

BUSINESSOWNERS COVERAGE PART 

DELUXE PLAN 

The followihg ind.ic1;1t~s the contents of the principal forms which msy be attached to your policy, It c¢ntahis 

no referencelo the Peclar1:1tlonsorl:ndorsements which also may be attached. · 

Bagtnning • on Pa.i;ie 

COVERAGE:1 .. 1,H,,.:.,,,.u••••~•fl;•1M<,,.,"••-.,•••••J.;,,.;..,t,;.,h,.•••••••n1~ll"nh,v .. ••••••l'n1",f'H,Hli.\.,,,(•-·•••••».•~~•t"l~~,,~_..,, ••• ~,,;,,,;.;_,,,,.,~--·~•.•n,<,nn~, .. ,,1,•.._•••~•~;.,..,rr.,~ 1 

·covered Property, .......... - ........ , ....... ,.,,,.,;,,,.,.,,.,,.,. .... , ..... ,,~,~ .. ,,.,"'"''""'"'·'"'"'""'"""'"'"'"'"'""''""'"''""'"""''"""""'·'"'·' ·1· 

PfO'p.ert)! NOt C6Ve.red ..... ~iO,.:n, ..... ~~>ii•,; ......... n.-.... ~ ........ ,, .. ,u.i•~1 01, .. >lrrrUh,hi,'\,, ... ,.~-·r,P,uJ,1n4,(, ,_.,,,.,..,,r1~ .... l<lin•,••n;,,,u,,rnn,huu,,·,,.,,r~i,,t,,.... 2 

Business. f i'lcoine arid Extra Expense ......... ,, .. w, ................ "' ............... ,, ................... d ......... .,,,.,,.ri,,, ... ,., .... ,_,_ri,.,, 2 

Covered. Catises of toss ""'""'''"""'"'""''"''""'"'"''"'""'' ........... -.... , .... , ............ , ... , ........................................... ,............ 3 

Litnil:ations. , .......... h ... ., ........ , .,. ........ ,,, ......... ,. .. , .......... ~ .•. ,, ..... ., .. ., .............................. ., .............. " ............................ ,.... 3 

Additional Coverages ,,,,,,,.; .. , ...... , ....... ,s .. , ............... , •• ,,.,,., .......... , ... ,"', ... ,..,., .... ,.,. ............. , .. .,, ...... m, .. , ....... ,.,,,,, .... .,,, ......... , 4 

Coverage- Exten·sions ......... ·,:: .. · ..... ,.,· ...... ,m . ... , ... .,. ... : .... ,· .· , ....... • ., .......... , ... .-........... _ .. ,.,. ••• · .... · .. ·.~-· · ........ : 11 

-EXCLUSIONS uu""''""""''""''"""'"'""'"''"'""'"''"';,.,.,...,.,,,,,, •• , •• , ............... ,.,.n, ......... " .............. ,,,,,, .. ,,""''"''""'"''''""''m""''"''' 22:. 

:LIMITS OF iNS.URANCE .............. ,,,,,._,., ..... ., ... , ............... ., .......... .,,., .......... ,., ... " ................ ., .. "_ ................. " ............. ,. .. ,,,_ .... ,, .. 26· 

Inflation Guard ..... "' ................ , ........ , ............. .,. .... ., ..................... , ..... .,. ........ ,.,,,. ... , .......................... ,,, ........ ,,.·, ......... , .. 26· 

Business Personal Property Limit -Seasonal Jnorease ............. , ....... ., ............. ,.. .. , ... .,, ... .,, ........ ,. ................ 27 

DEDUCTISLES ............... ,,.,.,.. ... ,, ...... , . .,,,, .. ,.,,,,.,«w, ................ , .................................. , .............. ,,.,,,,,_ .......................................... , • .,, • 27 

.PROPERTY LOSS CONDITIONS. .................... ,~,,, .. -· ... , ........ , ... , ............................................ ,, ........ .:., ......... ,, ...... ..,, ............ -27 

Abandonment "''"''"'""""""'"''"'''""'"'"''"""·"····• ......... ,,,, .. ,,,.,, ..... ,, .. "' ........ " ........................................... ,, .................... _....... . 27 

Appraisat ............ ; ............ .,, ...... , ........ , ............... , ... ,."'""'''"''"''W'"""''"'''"'''"'"""'''"'' .. "''"""'"""''·,,. .. , .... ,, .... ., .. ,., ........................... 27 

Duties. in the Event of Loss or Damage, ............ "'""""" .......................... ,, .......... " .............. ,, .. ,., .... _ .. ,, ..... , .............. , .. 27 

Loss Payment- S:uildlng and Personal Property ,, .. ,.,, .. , .. , .. "..,, ................. ,, .. ,.., ........... ,. ........... ~., ............... ,. 28 

Loss Payment-, Business Income and Exira Expense ............ m .. ,,. ........... ., ....... m ... ,~ ......... ., .................... 31 

Recovered Property ......................... .,.,.m ... ~ .. ,,,., ....... _,, ..... ,.·--··· ... , .......... ·, ...... ,,.., ........................ ,,,. ""'"'"'"'' ............... · . 32 

Noncumulative Limit, ...... , .................. , ...... , .......... , ....... ·~ .. , .......... ;,.,,,. .............. , .. , .... ,,,;,,,,.,,, .. ""'''""'""""'""'""''""'""·'····"·' ·32. 

-.COMMERCIAL f:JR.OPERlY CONQ.ITfQNS,.,,'.;; .. ,,., .. ~,,..,,,, . .,..,..,,.;, ...... ,,,,H.H""''''"''''"""<'•»«,,.,,.,,.,,,,,;;a«ie<o,.;,,,,, .. ,,.,..,. 32 .. 

Concea!mentf Ml$representation .or ·F'raud '"•:.•·· .. ~~J>mum.ut'fi~,,.~ •. ; .. ~•))l-),)hJ"(,1•4~~·,,·'.)•~>>HiU-l~lffo,,.~ .. ~·n1-1',i+1tw4,fo,~···•mM~m1, 32 

ContrOI gf PfOperfy:'4(~·~;~; ....... ),.~l~fl.:...:,,~.-~··'f~Hj,H 1~,C.:i1i :• .. un~~·H>• fl.,~(···· •• ~·-·••:.•iHtWU,~u( .... ~ .. )~\~n··~j -"'~'~'---·~··u11t-.. ~ltl,1~~·~· :.!, 1~! •• ~,.,,1,1,.-41( .. ~ o;;.~ 3i;2 

Insurance. Under Two or More Coverag.es ..... , ..... ,, .• _ .• \""'"'""'~~ .............. , .. !•• ................. ~,"'""•"':•.····~·,, ... ,,..,,, ..... ,.,. 33 

Legal-,Aqlon. Against Us .• ,,.....,,., .. ~ .. ,,,.,,, ....... ,._..,,, ...... , ..... , ... ., .. ~ .. ,.,. ......... ,.,, .... , ...... ,., ................ , .......... .,.,._..,_.,.,,, ..... ,,,;;,_, ........ , 33 

_Liberaflzation .,.,,,., .. ,,.,_,,,, ... ,,., .. .,, ... ,.,.,.,., ... ,., .... ..,. ....... , .. , •. "' .. -" ..... , ...... ; .. , .......... ,., ................ .,, ....... , .... ,,.,, ........ ,.,,., .... ~;,., •. ,,,, .· 3$ 

No Benefit to Bailee .................. · .................. , .. ,,.· ....... _, ............. .-., ...... ·:: ................ ., ........ ·:, ,.,., ...... · ..... ·_ ............. _·33 

Other. l_nsura_nce · ...... · ....... -. , .. _ .. ::"'." ................................. _ ........... · .......... ". ,: · .. ,,. .... ,, .'. -.0 ... .c- ., ..... :· ............... · ...... :,.- 33 

Polk;y·Peri_od, Coverage.Territory .. , ...... , .. ,,, ...... ,.,;,;.« .. , .... ,,~.-.... ; ... , ..... .;,,;.,., .... ,, .. , .. ~ ..... ,, ...... ,, .. "··;·,,,, .... ,, •• , .• , ....... ,, ..... , ... : ·33 

Transf!,lt of. Rights of Recovery Against Ofuera, to Us .... a .... ,,., ................... , ............. ,., ......... ~ ... ,,, ..... ,, .. ,,, •.• , .. , ... , 3~ 

Colnsuranc"1 :::., .... c .. ·,,. :.: · ......... , .. _.:· ..................... · .. , .. · .~,, .................................. :,, .......... · ,.,.,,. ........ .,-.... ·· ... -3~ 

Mo_rtg.:igeholders ... , .•.. ; .................... ,,,, .. ,, .... ,;,,.,,,.-.,_.;,.;~,m ....... , ....... o,.,,,tt,,,n ...... , .............. , ..... .,. ... ,,,,,,;,,_ ......... ,,.,.. ...... ,; .. ,., .. ,,,.;,·,, 34 

PROPERTY DEFINiTIONS .,,,;,,,,,;;;,,.;,,.,.;; ................ ;,, .. ,,,, ... ,;, .. ,.,,.,.,; .. , .. ,., ..•.• , ... , ..... ,., .. ,~ ....... , .. , .... ..,;. .. ,;;;,; .. ,, ... ,,. ...... , ... ~ .. .-.. ,35 

MPT13002Q5 Page 1 of 1 

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BUSINESSOWNERS 

BUSINESSOWNERS PROPERTY COVERAGE 

SPECIAL FORM 

Various provisions iO this po Hey restrict coverage. Read the eri!ire policy carefuUyto detemiihe rights; duties and 

wha:t is and is not covered. · · 

. Throughout thf~ policy the words ;;you" and "your~ refer ·tq the Named losured 5:howti in. the Dedara.tlcms. The 

-word$ "we'', ~us" and ,roμ(' referμ) the Compariy providing this insurance •.. 

Other weirds and phrase$ that appearln quotation·ma.rks nave sped:::il. meanirig, Refer to Paragraph. G -PROPERTY OEFINlTlONS.. ·. 

A. COVERAGE (f} Lawn marnt~nance .,ind snow reWe win pay for direct physical loss of or damage 

to Covered Property at the premises described in 

the Declarations. caused by or resulting from a 

Covered Cause afloss. 

1. Covered Property 

Covered Property, as used IQ this Coverage 

F'orm. means the type of propE:lrty described 

in this Paragraph A.1,, and iimii:ed in Paragraph A.2., Property Not Covered,. ifa. Limit of 

.Insurance is shown In the Declarations. for 

that type of property; 

a. Suitding; meaning the building or structure described. in the D.eclarations., inclUd" 

ing: 

(1) Completed.addltions; 

(2) F~n~s; 

(3) Fixturei:.; including ootdoorfoctures;· 

(4) Retaining walls, whether or not at~ 

tached: 

{5) Permanently auac:hE?d: 

(~) tv1act,in1:1ry;.<=!nQ 

(bl Equipment; 

(6) · outdoor swimming pools; 

(n Personal property owned by you that 

is used to maintain or service the 

building or structure or Its premises, 

Including: 

(i3} Fire extir.guishing equipment; 

{b.) Ollti;ioor furnitura:; 

{cJ Floqr cove:rf[lgs; 

{dJ Lobpy and; hallway furnishings; 

.{el Appliance$ tlsed for refrtger1:1ti11g, 

··· ventilating, cooking, dishWash1ng 

or laundering; 

. moval equipment; and 

(g) AJ.arrn:systerns; _and 

(8) If not. covered by other insur.lnce: 

(a} Addltio.ns. ·onder construc::1ion, st~ 

teratlons and repl;iir$ to the building or structure: and. 

(b) Materials •• equipment supplies 

· and Jemporary $tru¢tures, on qr 

within 1 .. 000 feet:of I.he d®cdb.~d 

p,:emfses; us~d for making 1;1ddi~ 

tlons, alter~tions or·repalrs to the 

bμild!ng O($tn;icturif 

b. Business Personal Property located in 

or on the- t>uildings, described fn the·Oeclar~titin_s or ip the open (orfn a vehicle} 

within 1.,000 feet of tbfl described prei:nise~; includfng; 

(1) Pr¢perty own~d. by you and used in 

yoμr business; 

(l) Property ofothets that is in your care. 

custody or control; 

{3} Your use interest as. tenant in improvements· a.n<il betterinents. Im~ 

prov.ernenhr and betterments are fixtures; alterations, installations .or act:. 

dltions: 

(a) Made a part of the building or 

structure you rent; lease or oc;.. 

cupy but: do not own; and 

{bj You acquired or made at your 

expense. but are not permitted to 

remove; and 

(4) "Money" and ''Securities", 

:2.. Properfy Not Coveted 

Unle~s t_he foQqy.,ing fa added by end.orsernent to this Coverage Form, Covered Property does nat:fncfud~; 

MPT10202 05 Copyright. The Tr_ave!ers Indemnity Cornpany, 2004 Page 1 of39 

E-FILED 09/01/2017 02:48 PM / CONFIRMATION 654417 / A 1704612 / COMMON PLEAS DIVISION / IFOJ 

Case: 1:17-cv-00669-TSB Doc #: 1-1 Filed: 10/06/17 Page: 28 of 74 PAGEID #: 32
BUSINESSOWNERS 

a. Aircraft 

b. Automobiles held for sale; 

e. Vehides or self~propeUed macl1ines that 

are: 

(1} Ucensed Jqr ~se on public roads; or 

(2) Operated principally aM\y frorn th!;) 

· descrlbeo.premtses; 

This pafc1graph tioe$ not apply to: 

(1) Vehicles or self-propelled machines 

or autos you manufactur~. process or 

Watehouse; 

(2} Vehid~s or sert,.,propelled m1:1ch1nes, 

other than autos, you hold for sale; or 

{3) Trallers or s~mi-frailets, except {1$ 

provl(led in" the Noo-Ow,i&.l D1:itached 

Trailers Coverage: £::.:.tension, 

d, Darns or dikes; 

e. Contraband, or property ih the course of 

lll~altransportation or trade; 

f. The cost of excav~ting,. grading, backfill'.. 

fog. or filling {exi:::~pt tho$e (;()sts ni<;ide 

necessary due. to re~ir of bu!ldiogs Insured under·this Cov~rage fqrm from a. 

Covere4 Cause of Loss), reclaiming or 

restoring land or water; 

fl Water or land whether in Its naturar state 

or otherwise {including land :on . which the 

property ls located)1 land improvements, 

growing crops or standing timber; 

h. Outdoor trees, shrubs, plants and lawns, 

other than "stock" except.as· provided ln 

the OOtdoo( Trees., Shrubs; Plants and 

!,.awns CoveraQe Extension,. 

l. The following property whlle QUWide of 

lhe buildings: . . . 

(1) $ridges, walks, roadways, patios or 

other paved surfaces; or 

(2) Outdoor radio or felevlsiob antennas, 

(in<::lu\:fing satellite dlsnes) and rnciud~ 

Ing their J.eij~:Hn w!ring, m~sts or tow .. ers; 

except.as provided. Jn the Outdopr Prop~ 

ertyCover~ge Extension; · 

;. Watercraft .(inclltditrg motors, equtpment 

and accessories.) whlle afiost; 

k. Accoμntsand tilUs, ai<paptas proVi,ded in 

the Apoounts Receivable Coverage. .Ex~ 

ten~ion; 

I. "Valuable Papers and Records\ except 

as provided In the Valuable Papers and 

Records Coverage Extension: 

m. Property that is coi1ered unqei< anotner 

CoveragaForm ofthi$ or any other policy 

. in. which Jt is more speclfic~lly dEl:SCribed, 

except fur the ei<cess of ttie am.oL,mt du~ 

{whether you can colleoton it or not) from 

that oth~r insufl;lnce; 

rt "Fine Arts" except as provide<! in the Fine 

Arts Additional CQv~~ge; 

o. B1,llliQh1 gol(J, sli~1::ir,. platlqvrn c;1nd other 

precious alloys or metals, except if they 

arevsed in your"operatipns" {theft·limlta~ 

tion applies); 

p. "Electronic Data Processlng Equipment:· 

(notiocludtng ''stock~) except as provided. 

in the Electronic.Data Processing Cover~ 

age Ex.tension; 

q. "Electronic Data Processing Data and: 

Media" (not including ~stock") except as 

provic;f Eti:J in the f:lech'ohic Da~ .Processing coverage Ex:tensior1 or 1n the Accoonts Req3ivable Coverage f2xtenslon; 

or 

r, Qutdl:lOr sign~, except es provid~d in th~ 

.Sign'* cov9rage Exteqsion. 

3, Bu$iness IMpm~ and Extra Ex~Me 

Business Jncqme. an.ct Extra. Expense · is · prbviqed at th~ premises de~cribad in lhe Deciarati90s whem. the Oeclaratioris show that you 

have coverage for Business Income and Extra Expense. 

a. Business lncome 

(1) Business Income means: 

(al N1:tt Income, (NfJt Pr9fit or LO$S 

before li1coqie tax~) I.hat wo.u!d 

have been eamed or incurred, including: · · · · ·· · 

(I) "'Rental W!l;le"; ancl 

(U} "Maintenance. F~es~, rf you 

· · -are a condomitlium assocla~ 

tJon;and 

(b) Continuing normal. operatfng ex-

. pens~s inoμrred; h1cludil'ig Pa.Y• 

roll. 

(2) We wl.11 pay !'Or the actual .ldss .of 

·· Business Income you sustain due to 

the n~ssary ''suspension~ of your 

•operations~ di.Iring the ~p~rjod of restofati9ti". The "&ispen$iqn,; mllst bE! 

f>age 2of 39 Copyright, The Travelers indemnity Compaoy. 2004 MP Ti 0202 05 

E-FILED 09/01/2017 02:48 PM / CONFIRMATION 654417 I A 1704612 / COMMON PLEAS DIVISION / IFOJ 

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caused. by direct phY$1c:al loss of or 

damage to . propt:3tly at the described 

premises. The loss or tjamage must 

be Gal,l$ed by. qr result from a Covared Cause of Loss. With respect to 

los:;; Of qr darnag~ to personal prgp, 

eny 1n the open or ·personal pr9perty 

in i;i vehk:le, the destribed premi$8S 

irtciude the ~raa Within 1;000 fest of 

the site ~t whic:h me de~crlb~d prem-, 

i$al:l ara located, 

(3) With respect to the .requirements -set 

fortn. in Paragraph .{2) above.. if you 

11:!nt, lease or occupy only part of the 

site afWhici'l the d.escribed premises 

are .located, the described premises_ 

me.ans: 

(a) The portion ofthe building which 

you rent/lease or occupy/ and 

(b) -Any ~ma within the building or on 

the site at which the desi::ribed 

prernlses are located, if that area 

services, or is used to gain ao. 

~essto, the described premises. 

b, Extra l;xpehse 

(1) Ext,:a f:)(pense mE!aO$- reasonable 

1:n1d necessary el!ipenses you Incllr 

tluring the "period of restoration• that 

you woultj not hav~ it1c1Jrred if tlie~ 

had. bE!eb' no direct physical fas$ ofor 

darn~ge to property caus~ by or re., 

.suiting from a Cov~red Cause of 

Loss. 

{2} We wm pay 1:itra Expen~~ (Other 

than ttie exp~,mse to repair or repJac_e 

property) to: 

(<!.) AIIOiq ot r.oinlrnra:e 11:l!:! "s.u$p-en.c 

sioo" of bush,ess and to continue 8

0perl:\tions" at tt)e . described 

premises· or at replacement 

'prem1sel;l or temporary locations~ 

lncludlng relocation expenses 

and costs to equip and operate 

the replacement premisss or 

temporary locations; or 

(b) Minimize .the "suspension" ,of. 

· business if you cannot continue 

''operations". 

(3) We will also pay Extra Exp8nse (In-' 

· eluding Expediting Expenses} to rec 

pair or replace the property, but .only 

BUSINl::SSOWNE~S 

to th& extent It redpces the.ammmt of 

loss thaf otherwis~ would have b~.en 

payable under P~ragraph a. Business 

Income! above. 

c; Extended ausiness Incomeff the necessary KsμspensionK of your 

''QperatJansK pr:qduce~ a Busine~. lnootr,e 

1¢$$ payabl~ unqer paragraph a. Business. 1.ncome above, we wm also pay for 

the actual loss of Busine.ss Income you 

sustain during the period that 

(1l Begfns on the- datE:l pmparty .is. actμ~ 

ally r~pa,ired, rebultt or replaced and. 

~operations'' are resumed; and 

(2) Ends on theaai'lierof: 

(a} The date you co.uld restore your · "op~ratiorts" With reasonable 

speed, to the lev.~I which. would 

ge11etate tbe Bu:stness Income 

amount thatwould have exf~!fld if 

110. direct physfqal!Qs~ Or tlaO'lilQE:l 

oc-curred; or 

{b) Sixty consE;Jcuthrs days att.e;r the 

· date detetmfned Jn Paragraph (1) above, · · 

However, this extended. Business Income. 

does not apply to loss of Bu!;..ine~ In~ 

come incurred as a result of unfavorable 

bus1nass conditions caused · by the impact 

oftlw- Covered Cause ofloss in the area 

·Where the descrlbed premises are lb~ 

cated. 

d, Jf the DeclaraUons show fur Business In· 

come.and Extra Expense; 

{1J ActUi31 loss for 12 consecutive 

months, then we will pay for loss of 

Business Income and Extra Expense 

that occurs within 12 consecutive 

rrionUfa folli:iwf ng the date- of -direct 

physical Joss or damage; ot 

(2) Actual loss. I.JP to 12 conseCtJtive 

months sμbject to a max)mum dollar 

limit, then we wm pay for loss of Busl• 

ness Income and Extra Expense that 

occurswithin 12 consecUtive months 

following the date -of direct physical 

lcisa or damage; subject to the UrrHI 

shown in. any one occurrence, 

4, Covered Causes of Loss 

RISKS OF DIRECT PHY$1CAL LOSS unteS$ 

{he los~ rs: 

MPT102 0205 Copyright, The iravelers Indemnity Company, 2004 P~ge 3 of39 

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BUStNESSOWNERS 

a. Limited in Par~raph A.5., Limitation$; or 

b, Exclμdfi!d in Paragraph 13.; Excr4sions, 

5; Limitations 

,.. We wiU not pay for loss of or damage to: 

(1) The "interior of any building or. stnicture" or to personal property in the 

building or structure; caused by rain, 

snow,. sleet, foe, sand ot dust, 

wheth~r driven. by wind or not, 

unless: 

(a) The building or structure first sus--

tains damage by ~ Covered 

cause of loss to its wof or wans 

through whiph the rain, snow, 

$le.et. ice, s~nd or dust er1ters; or 

(b) The los.s dr damage is caused by 

or results froi'n. thawing of snow; 

:sleet dr ice on the t>uildtng or 

stru¢ture. 

{2) Steam ooilers1. steam pipes, steam 

.engines! or steam turbines, caused 

by or restdting from any condition or 

event inside such eqidpment. But. we 

wu1 pa)dor loss of or dam$geto such 

equipment C8USE;1Q QY of resulting 

frorn an explosion of gases or fuel 

~vithln · the fu mace of any fired vessel 

or within . the fli.J~s or passage$ 

tl)rot)gh which U1e gaSE)S of~ombustion pass. . 

{3} Hot water· boilers or other water heating aquipmentc:aused by or resulting 

fiom any condition or event .Inside 

such boilers or equipment, othertban 

explosiah. · 

b. We will not pay fur Joss of or.damage to 

the following .types .of properly unless 

caused by-any of the ''specified ·causes ot 

loss" or buildfng $.Jfass breakage: 

{1) Live anima!s; birds or ijsh, and then 

only if they are ~lied or f.heir destruction is made; necessacy< ·. · 

{2.} Fragile arttcles· sμc-h <':IS g!a~ware, 

st~fllary, marbles, china~r!;l.· and 

porp~aii)s, jf brok~n- Thi~ limitation 

does not apply to: 

{a) Gla$s that 1s part of the exterior 

· or interior of.a building or structure; · · 

(b) Cootafners of property held ror 

sale; or · 

(c) Ptmfograpnlc or scfentlfli:; Jnsftument 1~111;,es, 

c. For loss or damage by "theft'.'. the most 

we wrn pay in any Qne occurrence for the 

following types of property is: 

(1) $2,500 for all furs, fur garments and 

garments trimmed wtth fur, 

(2) $5;000 fbr an jeweiry; watches, watch 

· movements, Jewels, pearls~ precious 

and semi-precious stones,· bullion. 

gold, silver, platinum antl cittiet preciou~ alkiys :or rneta:ls, This lirrlit·c!oes 

not apply lo jewelry and watches 

worth $500 or les$ per item. 

(3) $2,500 for all patterns, dies, maids 

and Jo.rrris. 

d, We. WiU not pay for any lass or damage 

causl:3d by any of the following, even if 

they ~rec Ce>vered Causes of J .. oss, ff the 

building where loss or dam:ag¢ qccurs 

ha~ been ~vacant" for more than 60 corr, 

seclllive days belore tl113flo!',S ()f damage 

occur$: 

(1} Vandalism; 

(2:) Sprinkler Leakage, unless you. have 

protected .the system against fre.ez~ 

1n9; 

(3) Buildin9 .glass• breakage; 

(4) Discharge orleakage ofwa~r; 

(!i} ''Theft';; or 

(6} Attempted "theft". 

With respect to Covered Causes of Loss 

other th.an those Hsted io Paragraphs (1) 

through (6) above:, we will reduc~ me 

amQunl wa would otherWls.e: pay for the 

lqss or dan,age lly 15%, 

e. Coverage .for Business Income ~tid Extra 

Expense doe.s not apply to any [oss. or in~ 

crease .in loss caused by direct physical 

rc:iss of o( Qam~ge to "Electnmiq Dat~ 

Pmces1:,lng Pat9 and Media"; except as 

pr9v1ded· iri the Interruption of GornpJ,iter 

Operation$ Coverage B<tension. 

6. Addttlonal Coveragt1s 

Urile:ss Qthetwise stafocl, payrneots made un~ 

d~rthefollpwing A<:lditiona/ Coverages are ln 

addnion to tf1e 1;3ppllcaple Limit$ 9fln$umMe.. 

Pag$ 4of39 Copyright, The traveler$ h1demnity Company, 2004 MPT1020205 

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Case: 1:17-cv-00669-TSB Doc #: 1-1 Filed: 10/06/17 Page: 31 of 74 PAGEID #: 35
a. Arson and Theft. Reward 

c,) We will pay for reason.:i,ble expenses 

· · you Incur fql'reWards th~t leadto: 

{a} An arsQn coriviction In connection 

With a covered fire or expl0$ion 

loss.or 

(~) A "theft" convicth:m in connection 

· With :i::i cpvere(f "theft" Joss, 

(~): The most We wm pay under this Addt;. 

· tlonal Coverage in fonnect/orl with a 

partieulat lo$s ls $5,ooo. 

b. CJaim Data Expense 

(1) We will pay the reasonable expenses 

yoll incur in preparing olalm data 

whe.n we require such data to show 

the extent of loss. This includes the 

cost of taking inventories, making ap,. 

praisals, preparing income state, 

ments, and prnparing other documehfatibn. · 

(2) Under this Adc@onal cov~rag~, we 

· · · w.ill not pay f9r,: 

(a) MY expenses incu.rr~d, 1;Hracted, 

or billed by or payijble to auorneys,, iosun:mce ai:ijvst~rs or their 

associa~es Qr subsiqiaties; 

(b) Any . costs in. connection with 

Paragraph.E;2:, A,ppralsal: or 

{c) Any expenses inc.urred; directed, 

· · or biill:!l'.I by or payable to insurance brokers or agents, .or their 

associates or ~ubsidlari~s. With,. 

out our Written conserit prit>t tq 

such expen:$es being incurred; 

(3) The most We wm pay for preparation 

. of claim data. under this Additional 

Coverage iri any one occl-lrrence is 

$51000 regardJe1js of the number of 

premises irwolved. 

c. Debris Removal 

(1) We wm·pay your expense to remove 

debris of Covered Property, other 

thary outdoor trees, shrubs, plants 

and l<1wns as descrlbed in the Out~ 

door irees1 Shrubs, Plants and 

Lawns Coverage Ex.tension, caused 

by or resultlng from a Covered Gause 

qftoss that occurs during the policy 

period. The expenses will be pald 

only if they are reported to us in writ .. 

BUStNESSOWNERS 

ing within 180 days of the date of direct physical loss or damage. 

(2) Debris Removal does not apply to 

costs to: 

(a) Extract "poUutan~$" from land or 

v,;~ter; or 

(b} Remove, resti;,re or repiace pol-

. lutedJ~nd orw.ater. · 

(3) Except as provid~ iri Paragraph (41 

below, payment for DEli:lris Remov~I 

is included within the applicatile Limit 

of lnsμrance shown in the. DEldara~ 

tipns; The mo!';,t we w.!ll pay und$r this 

Ad(l.ilidnal Coverage Is 25% at 

(a) The amount we pay fQr the ctirElct 

physical loss or damag~ to Cov-

~red Property; plus 

(b) The .di:id1.Jctible ih this Covenm¢c 

Form applicable to that k:iss or 

damage,· 

{4) When the debris removal expense 

exceeds the 25% limitation in· Para~ 

graph {3) above or When the sum of 

the debris removal expense ahd the 

amount we. pay for the direct physical· 

loss qf or damage to Covered Prop"' 

arty exceeds the appliC:ablEic Limit of 

Insurance, we wll! pay up to an c1dcli"' 

tional.$25,000 fur debris removal.experjse in any one ocetmence, at each 

descrrb~d premises. 

d, Employee Dishonesty 

(1) We will pay fur loss of or damage fo 

Covered Property resulting directly 

from ''em:ptoyee dishonesty". 

We wm pay for los1,; or dam~ge yoμ 

$Ustain through acts committed or 

e~nts or::curnng during the Policy 

Period. R:egardf ess of the number of 

y~a~ this insurance rem~ins in force· 

or the number of premiums paid, no 

IJmit of Insurance cumulates year -to 

year or period 1o period. 

(2) P~ragraphs B,2,h. and a.z,o. do not 

·· · ;;Jpply to this Adoitiona! Cover.iga. 

{3} We wHi not pay for loss resulting from 

the dishonest acts of any "employee:~ 

if coverage for that "employee~ was 

either ca.,telled or exQluded from any 

prewous insurance policy of yours 

. MP T1 02 02 05 Copyright, The Travelers Indemnity Company1 2004 Page 5 of39 

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Case: 1:17-cv-00669-TSB Doc #: 1-1 Filed: 10/06/17 Page: 32 of 74 PAGEID #: 36
BUSINESSOWNERS 

providing "employee dishonesty" 

coverage. 

{4) thjs Additional Cqvarage is canceHed 

~s to any "employ~e· immediately 

upon discovery by: 

(a} You; or 

{b) Any of your partnel'.'S, "members", 

· "mi'lnagers", offiC1:trs, directors or 

.tru~te~$. not in colfusion with the 

"~mployeetl, 

of any fraudulent dishonest act committed by that "employee" before or 

after being em.ployed.by you. 

(5) We will pay for covered loss or :dam~ 

age orily tf discover1:id no la.ter than 

one yl:lar fr9m the enq of the Pqiicy 

Perlod. 

(6) The mostwe Will payJ6t loss or d~m~ 

age. vnder this Additional Coverage in 

any o~ oc~!Jrrence is $25,00(t · 

(7) With respect to this Additional .Cover.:. 

· age, i:lct:urrerice means all kiss or 

i::lamage caused by or involving the 

Mme "Eimployee(s)" whether th¢ rl:lsu1t-0f a, single act Of Serjes Of 1:tctS. 

(8) If, during the period ofany prior "Em ... 

· ployee D.ishimesty" Insurance, you (or ariy predecessor lri interest) tustalhed loss or dam~ga that you .could 

hav~ recovered under that insurance, 

except that the time witn!ri which tq 

discover loss or d!:!mag~ has: ,expired, .w& will pay for it uncler this .Additional 

Coverage, subject to {he following: 

t~) · This insurance became effective 

· at thee tirna of cam;eHation of te:rmin~iion of ·tne prior insurance; 

and · 

(b) Th.e 1.oss or damage W¢uld have 

boon :covered PY · this Insurance, 

had it ~en in effect \Nflen the 

acts 9fevents causing the loss .or 

damage were committed or ocquqed. 

(9) The lns1.1rance Pl'.'t:Widet:t under Para-

. graph (S}al:ioveJ~.part of, nat in addi~ 

tio1i to · the Limit of Insurance dEi· 

scribed in Paragraph (6) aboveand is 

· tirniteq .to the lesser of .the amount reoov$rabte under: 

(a) ftiis Additiorial C::overage, as of 

ns effective date; ot · 

(b) Tha prior ~Employee Dishon~sty'' 

· insurance, had lt remained in effect 

e. Expediting Expenses 

(1) In the event of direct physical loss of 

or damage to Covered Property 

caused by or resulting from a Cov· 

ered Cause of Loss, we will pay for 

the reasonable and necessary addl~ 

tionat expenses you incur to make 

temporary repairs, .expedite permanent repairs, or expedite permanent 

replacement at the premises sustaining loss or damage. Expedltlng ex~ 

penses include overtime wages and 

the extra cost of express or other 

rapid means of transportation. Expa 0 

diting expenses do noi include expenses. you incur for the. temporary 

rental of property or temporary re~ 

placernent of damaged property; 

(2} \Nith. rElspect to thiis Additional cover· 

· agEl, '!breakd¢wnwto "covered 'equip• 

merit" Will. not be considered a Cov~ 

ered Caus~ of Loss, even if qthe1v111se 

covered elsewhere in 1tJJs Coverage 

Form. 

(3) The most we will pay under this Additfonal Coverage. in· any o.ne occurrence is $25,000, regardless of the 

number ofpremlseslnvoJved . 

f ;· Fine Arts 

(1) Wheri a L~it of lrisurance J$ shown 

· in the .Declarations for Business Per· 

$Pl'lal Property at ,any described 

premises, wewu.1 pay for.q!rect physical 10$s of or 0<\101a9.e to "fine arts'.' 

which are owned by; 

{a) You; or 

{b) Others ~ndfn your care, c:;;ustody, · or control; · 

caused by or re.suiting from a Cov~· 

ered cause of toss, i11.cl!JQ1ng white 

on exhibit, e'.lnywher:e within the Cover~ge T erritot.y. 

(2) The breakage limitation under Para~ 

graph A5,b.(2) does not apply to this 

Additional Coverage. 

Page 6 of39 Copyright, The Travelers ·Indemnity Company, 2004 MPT102 02 OS 

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Case: 1:17-cv-00669-TSB Doc #: 1-1 Filed: 10/06/17 Page: 33 of 74 PAGEID #: 37
(3) The following exclusions apply to this 

Additional Coverage; 

{a) We will not pay for loss or dam-' 

age caused by· or resulting from 

wear .and tear:,. any qUality in the 

property that causes it to darnaoe 

or destroy itself, gradual deterioration, insec~, birds, rodents or 

6lher animals: 

{b) We will not p1:1y for 1¢s$ or damage causecJ by or. resulting fmm 

dampoe.ss or dryness of l:!frnos:~ 

pher&, C'.>r chang~s In or extremes 

of temperature; 

{c). W!:3 will riotpay for loss ()f <fam~ 

age. caused by or resulting frclm 

any repairing, restoration or retouchlng process; 

(d) We will not pay for 1-0ss or dam-

.age c;aused by or- resulting tram 

faulty packing: 

(~}. Paragraph B.1 .. b. E"arth Movement; · 

(f) Paragroph B.1.,C; Gpyer:nmeinlal 

. .A¢ti(jfl; 

{g) Ptlragrapl) B,1:d, Nuclear Haz- .. ard;. 

(h) Paragraph B.1.f. Wat .and l'v1ilitaty . Aqt{ori;. 

{i} paragraph B: 1,g, Wate.r; 

p) Fil:lragtaph B.th. r:Jeglect; and 

{k) Parograph s.2.9. 

No other excluslons in Paragraph B .. 

Exclusions apply to this Mdiliohal 

cowrage.. However. if any exclusions 

are added by endorsement to this 

Coverage Form, $UCll exclusions .. will 

apply fo this Additional Covera9e. 

(4} ThE:l m0$l we pay for loss or damag~ 

under this Additional Coverage rn any 

one occurrerice is $25,000, . or the 

amountstmwn in the Dedarations for 

"fine a,ts»i whichever is greater. this 

limit applies regardless of 1he number 

of premises .involved. 

g. Fin! Department S.ervice Cjlarge 

When tt)e fire departrnent is called to 

save or protect Cqvered Property from. a 

Cov~red Cause of L.oss, we wiH pay up to 

$25,000 i.n any one oct;l.irreo~ l'oryout 

6US1NESSOWNERS 

Hability for fire department seivice 

charges: 

(1) Assumed by contract or agreement 

prior to loss; or 

(2) Required by .local ordinarice. 

h. Fire Prot,ctive EqOiplJletil oi~harge 

(1) If fire protective equipm~nt dls~ 

charges acddentally or tn tofitrol a 

Covered Cause .of Loss we will pay 

your costto: · 

(~) Refill or reciiarge the sys:tem with 

the extingUishirig agents: that 

were discharyed;,and .. 

(b} Replace or repaJffaulty valves or 

· controls which caused the dis~ 

charge. 

(2') The most we will pay under t~ls Add[~ 

Oorial Coverage in any one occurrence ls $10;ooo, regardless of the 

number of premises involved .. 

i. forgfiry or AlterajiorJ 

(1) We wm payfor loS$ reslllting directly 

lrom "forgery" or alteraiioli of checks, 

drafts, promissory notes, or similar 

written promises, orders. or directions 

to pay a sum certain in mon~y that 

are O'l<=lde or. drawn by 0:r drawn upori 

yciu. or rnade or drawn by one acting 

as an agent or p.urpor:tect to have 

been so rnadEi or draWi). 

We will conslder signatures that are 

produced or reproduced electroni'" 

cally, mechanically or by facsimile the 

same.as handwritten signatures. 

We wm pay for Joss thatyou sustain 

through acts committed or events occurring during the Policy Perioct. Reg~rclless of the r1umber of years this 

h1surar111e remains in force or the 

.number ofpter:niurns paid, no Limit of 

Insurance cun1ulates from year to 

yaar or period to. period. 

(2) We will not pay for loss resulting from 

any dishonest or criminal acts. com~ 

mltted by you or any of your partners, 

''employees", "members~. "manag, 

era", officers, directors or trustees 

whether actlng alone or In colluslon 

with other persons. 

MP T1 02 02 0.5 Copyriijht, The Travelers lnderh.tilty company, 2004 Page 7of39 

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Case: 1:17-cv-00669-TSB Doc #: 1-1 Filed: 10/06/17 Page: 34 of 74 PAGEID #: 38
BUSINESSOWNERS 

(3) We will pay for covered. loss discov~ 

ered no later than one yea(from·'lhe. 

end of the Policy Period. 

(4) The mo.st we will. pay for loss under 

this Additional Cove.r~ga in any one 

occur!l:'!nce is $2~.ooo, 11:!gardless of 

the !lumber of premis,es irvolv~d. 

{5). Wlth respeotto ttiis Additiona.1 CovElr- .. · ~ge, occurrence means, all Joss 

c~used by any pe~on, or in which 

that person is concerned or impli" 

cated, either resultlrlg fi:om a sing1e 

act or any m.1mbet · of such ~ds, 

whether the loss involves one or 

mote instruments. 

(£} If, during the period of any prior Forgery or Aiteratltm lnsmance, you (or 

any predece~sor in · i!"lterest) sus~ 

tain~d loss or damage that you could 

have recovered under that insurance, 

except that the time within whibh to 

diS<,(:iver 1.o.ss or darn.l:!ge tias expired, 

we.wilt pay fot it under tti/s A'1di!ional 

Coverage provide<::!: 

{a) Thi~ insu:r:anc~ ber::c.ime effective 

· at the time of cancellation or ter;. 

mlnμtlOl'i of tt)e pflOr insurance; 

and 

(b} The 1o$S wourd nave been cov0 . 

ered by this lnsurance had It 

been iri effect when the acts or 

.events causing the . loss were 

committed or ooctitred, 

(7) The }nsurance provlded under Para~ 

· graph {6l above is part of. and notin 

addition to the limit describedln Para" 

graph (4) above and·is limited ta.the 

lesser· of the amount recoverable un~ 

d¢r: 

{a) This Additional Coverage up to 

the applicable Limit .of lttsurarite 

under this· CQverage · Forro .. as of 

ifs em~ctiv~ da•e: or 

(μ) The prlQr Forgery or Alteration in~ · · surance. had it terna'ined 1n ef .. 

feet. 

(8) If you ate sued for refu~ing to pay 

any coverecl instrument rle$Crlbed In 

Paragraph {1) above on the baefs 

that it h~s been. fur-ged or altered, and 

yot1 have our written com;ept to defend against the suit, we will pay for 

any r.$asonable legal. expenses that 

you incur aod pay In 1hat defense. 

The l'lrnount we Will pay for these leg~lexpenses w!H be part. ofand n.oiin 

addition to the Hmit described in 

Paragraph (4} i:lboVe. . . . 

j, Newly Acquired or Constructed Prop, 

erty 

{1) 841Jd1i'lg$ 

{a) '!Ne Will P?Y for cllrect physical 

loss ofor d<.'lmage to the foljowtng 

property caus~d by qr re~ultlng 

from ~ Covered Cause pf Loss: 

{I) Your:: 

.a) New b1Jildings while be-, 

h1g built on a premises 

shown ln the Declare· tions; . . . 

b) New b!.!ildings while being built on newly acquired premises; and 

c) MatMials, eqlliprnent, 

supplies an.d temporary 

stn.ictures l!Sed in corinectlon With syc:h buildings While ~hey·are being 

built; or 

(U) ~uildtngs you acquire by pu.r-

.· · c:.ha:se. or · leaJ;le at any preOi'-

ises; incli;iding Umse prem· 

ises shown ln the Dedara~ tfons. •... . . . .. 

(b) The mos~ 1.'.ie w/11 pay f9r loss of 

or· damage to newly constructed 

bulldings or newly acquired buildings under this Additional Coverage ih any one occurrence 1s 

$500,000 at each premises. 

(2) Business Personal Property 

(a} When a Limit of Insurance is 

shown in ~he Declarations for 

Business Personal Property at 

any described premises, we will 

pay for direct physical loss ·of or 

damage to .the following prqperty 

caused by pr resulting from a 

Covered Cause of LoE;>s: 

(i) Business, Personal Property, 

including such pmperty that 

you newty acqi;lrre, ata buil!iPage a.of 39 Copyright The Travelers Indemnity Compl;lny, 2004 MPT102 0205 

E-FILED 09/01/2017 02:48 PM / CONFIRMATION 654417 / A 1704612 / COMMON PLEAS DIVISION I IFOJ 

Case: 1:17-cv-00669-TSB Doc #: 1-1 Filed: 10/06/17 Page: 35 of 74 PAGEID #: 39
ing you ~cqvir$ by purchase 

or lease at any ptemlses, lnch..idir1g thpse premises 

~hown in the Decla11;1tions; 

and 

(ii) Business Persona1 Property 

that you newly acquire at a 

described premises, 

(b) The most we wlil pay for loss of 

or damage to Business Personal 

PropE'irty under this Adomonal 

Coverage in any o.ne occurrence 

ls,$250,000 at e~ch premises, 

(3) Peritid Of Coverage 

(a) With respect to Insurance under 

this Additii:mal Coverage, coverage will end When any of the fol" 

IQwir-lg nrst:0ctilrs: · 

U) Thi$ policy expires; 

!ii) 180 days expire after yoti acquire th~ property or begrn to 

construct the property; 

(iii) You r~po(l value~ to us; or 

{iv) TI1e prtiperty is more Sp!':lclfi-

. c:ally tn~ured. · 

{b) We Will ¢harge you additio.nal 

· premilim for vah.i~sraported to us 

from the date consuuction begin$ 

or you qCQUlr¢the property, 

k. Ordlrt;tn.ee or Law 

(1} In the event of tl~magj:l by a Covered 

· Cause. of Loss to a building th~t .'!$ 

Covered Property, we will pay for: 

{a) loss in. value qf .the .uncfamageq · portion of the bufld)iig as ~ conse.quarwe· of enforcement •of the 

mh1imvm requirer:nenfs of any or-

(;JIMnce: or law th~t requJres tile 

.demolition ofundarnaged p~rts qf 

the, same building; 

{b) Demolition cost, meaning th~ 

cost to demolish and clear the 

.site of undamaged parts of the 

same building as a consequence 

· of enforcement of the minimum 

requirements of any ordinance or 

I.aw that reqtiired damoHtion of 

such undamaged property; and 

(t} The increased cost of ci:mstrnction. me~njng· the incre!:lsetl bQst 

to r'epait, rebuild or con$Jl'tlct the 

BU$1NESSOWNERS 

property as ei cQr:isequence of en~ 

forcemi;!rit of tM minfrm.101 re~ 

qliirements of any ordinance or 

l:;1w, This incre!3$ed cost of con~ 

$truction co~rage appife~ only lf: 

(i) The building ts insor'3d fnr replacement cost: 

(ii} The building is repair~~. rebuilt or reconstructed, and 

(fll)The repaired, rabu1lt. or reconstructed building is irt~ 

tended for simUar occupancy 

a$ the. cim'ent building, 

unless otherwise reqt1rred by 

zoning or. land use ordinance 

or law. 

(2} The ordlMnce or law referred to ki 

· this Additional Cqverage ls an ordinance or Law that: 

{a) .Regulates the demolition, con- . struct.ion .or repair of bu{IQ!ngs, or 

establishes zoning or !and use 

requi~rnents at · th.~ descrtbed 

preqtlses; and 

{b). Is in rorc:e atthe time of thEl loss . 

{l} We Will not pay under thls Adi;iiijotial 

Coverag~ for: 

(a) Loss due to any or-0inance or law · that: 

:(i) You were raqulred to c-0mply 

With before. the 19~$. l'Wen if 

the building was. uro::iarMget!; 

and 

(U) You failed to 9orr.iply wilh; or 

(I>) CosW. ass0<:ia\etf with :the enfor~ent of ant qrd(oa:n~ or 

l~ that requjr~$ any ihsyrer,l or 

others to test for, monif()f; cle~n 

up, remove, contain, treat, defox~ 

l:fy or neutralize, or in any way re~ 

spofld to, or assess the effects of 

'):icllutants". 

(4}. Paragraph B.1;a, doe;;. not flpply to 

this Addinanal Coverage. 

(5) Subject to the limit described in 

P~r~mraph (6) b(?IQW, 

(a) The 1nsurance provided tmder 

tttis Additii:mal Coverage for lo$s 

in ~!ue to the und~mc1~cf por~ 

t\1;m of the building is litnited aJ, 

toftows: 

MP T1 02 02 05 Copyright, The Travelers Indemnity Company, 2004 Page 9 of 39 

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Case: 1:17-cv-00669-TSB Doc #: 1-1 Filed: 10/06/17 Page: 36 of 74 PAGEID #: 40
BUSINESSOWNERS 

(i) If Replacem~nt .Cost Coverage applies and th~ boildfng 

IS repaired or replaced Oh the 

sam~ or another premises, 

we will not pay more than the 

lesser of: 

a) ihe amount you adueliy 

spend to repair, rebuild 

or reconstruct ~he undamaged. portion of th1:1 

buildihg; qr 

b} The: amotmt it would cost 

to rest~. the . un(lamaged portion of tjle building· on the- same premises and to the same 

height, noor area. style 

and comparable quality 

.of Jhe original . undamaged portion of the b~iild~ 

ing; or 

(ii) If Repb3Ci:!1J.1eri; Cost. Cqverage applies and the bulldlog 

is nqt rapaired or replaced, or 

if Replacement Cost Cover-

. age does. not apply, we wilt 

riot pay mo~ than the actual 

.cash vah.iij of th¢ ul'ldarnage;1d 

portion of the building atthe 

time 9floss, · 

(b) We wHI not pay more for dernoli~ . UM ¢psis lh.m tbe amount YoU 

actually spel')d to demolish and 

clear the site of the described 

premises. 

(c) The insurance provided under 

this Additional Cove.rage for increased cost of coiislr-Liction is 

limited as fbll(JWs: 

{i) If Jhe pul!ding is rapalred or 

· repiar::ed ~t the same premi$es, or ff you ~lect to re.build 

at another prernls~s. fh.~ 

.most we Will pay is the increased cost of. COn$troction 

atthe same prernfses; or 

{ii} tf the ordinance or !aw re• 

quires relocation to another 

. premises, the most :we will 

p~y. is tne Increase~ cast of 

construction at th~ new premlses. 

(&) The most we Will pay for loss under 

this Additional Coverage .for the total. 

of alt coverages described fn Paragraph (1) above in any one occur· 

rence ls $25,000 at each described 

premises. 

I, Outdoor Trees, Shmbs, Plants aoc;t 

Lawns 

(1J We wjfl pay for direct physical ios.s of 

· or damage to outdoor trees, shrubsi 

plants (other tha.h RstockM of trees, 

shrubs or plants} and lawns loc.:ited 

at the dl3scribed premises caused by 

or resulting from a Covered Gause of 

J.,oss. · 

(2) The mosJwe will pay for loss or dam~ 

age under thfa Addrtlonal Coverage 11"1 

any one occurrence is $3(000 at each 

described premises. ·· 

(3) Debris r~n,oval, bet;3us~ of covered 

loss or qamage to outdoor Uees, 

shr4b~. plar1ts af!d lq?Jns, is fr\~Jud~d 

Within ttleHrnits qescrtl:>ed Jti Para. 

graph (2} abttve., . 

m. Pollutam Cleanup and Removal 

(1) We will pay your necessary and reasonable eJ<panse fo extract "polltrt~ 

ants;' from land or water at the de, 

scribed premtses; 1f the dischargia, 

dispersed, see.page, migration, re~ 

lease or. escape of the "pollutants" is 

caused by or results from a "speclfiW 

cause of loss"' Which occurs; 

(a) At the described p~mises; 

(b) Tp C.overed Property; and 

(e) D1,1rln~ the poUcyperiQd, 

(2) ihe .expenses WIil be•paid only if they 

· are reported to us in writing within 

180 days of the date on whic;h the 

"specified c;ause of loss" occurs. 

(3) This Additional Cover~ge- doas not · ~pply to to!!ts to te:,,;t for, monitor or 

assess the existence, cqncentr!:lti()n 

or effects of "po!lut:ants''. But we wil I 

pay for testing whlcb I$ perfo.rmed in the course of extracting the ~pollutants" from the. land or water. 

(4) The most we will pay under this Additional Coverage is $25,000 for the 

sum of all covered expenses arising 

Page 10 of 39 Copyrfqht, The Travelers Indemnity Company, 2-004 MPTt 020205 

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Case: 1:17-cv-00669-TSB Doc #: 1-1 Filed: 10/06/17 Page: 37 of 74 PAGEID #: 41
oul of an Covered Causes of Lass 

occurring during each separate 12 

month pertad of this policy oeginning 

With.the effective date of. this. policy, 

Th1s amount applies regatdless of the 

number of premises involve1:L 

n. Preservaticm of Property 

(1) .. If it is nec~ssary to move CQyered 

Prop~y from the d~scrib.ed premises 

to preserve it from loss or damage. by 

a Covereo Cause of Loss., we wm pay 

for. 

(~} Any direct pl1y$i<;al (pss . of or 

da:mage to such property while: 

(i} Being mov~d; or 

(ii) Temporarily storeo at another · · location only if t/'ie . loss or 

damage o~curs within 9Q 

· day$ ijfter tlle property is fin~t 

moved; and · 

{b) the 6clsts. incurred ta: 

(i) R~ove. such property frofn 

the de$cribecl premises) and. 

(ii} R~tum i;uch property to the 

qescribed premises. 

{2) coverage under this AddJtional Coverage will end when any of the follow. 

ingflrst occurs: 

(a} When the policy is amended to 

provide insurance at the new location; 

(b) The property is returned 10 the 

original desqribed premi~s; 

{c} $0 days e~pire at\er the: properly 

is fjr$tmoved; or 

(d) Thi$ policy ~xpires, 

(3) Payments under ttiis Addlnonal ccv:... 

erage are. sub~ctto and noun addition to 1he applicable Limit of tnsllr~ 

an<::e. 

o, Temporary Relocation of Property 

(1.) If Cpvered Property js ft:ltnove<J from 

l11e desgibed pren;ilses and. stor~d 

temporarify aJ a lota~on you own, 

lease or open:ite while the described 

pretnr$es •is f:leing :renovated or remodeled, we will pay for direct physl~ 

<,al los1> of or damElge to. that stqted 

property: 

SUSI NESS OWNERS 

(a) Caused ~Y or resulting from a 

· Cove:red. C~use of Loss:; · 

(b) Up to $50,000 at eath Jemporary 

location in ariy one occ1.mence: 

tlnd 

(e) Quring the .storage peripp of up to 

90 consecutive days but not be:-

yond explr~tion of this. pollcy. 

(2) This Additional Coverage does not 

apply if the · stored property is more 

specifically insured. 

p. Water Damage; Otller Liq1,.1ids, Pc;,wder 

or Molten Materlal Damage 

{1} If loss or dai:rn11g~ ¢~t1i.ed by pr re.suiting from covered walt)r ot other ifql.liq.j powtjer qr molter:i material darnage occurs, we wm also pay the cost 

to. tean,ut and r~pl ac~ any part. of th~ 

b1i!d1ng orslrut:ture to r~palr·dam;;i,ge ,q the. $ystem or ,~ppliance trorn 

which the water or other substance 

escapes. 

(.2) We :wm not pa;,tthe cost to repair any · defl:lct IP a system or appliancetrorri 

Which ihe water, pther liquid, pqWder 

or molten material ·escapes •. But we 

Will pay ttie cost to n:;pqlr Qt tepli;ice 

damaged parts of fire exttngLJishihg 

e.qlJlpmentif.the. damage: 

(a) Results in dl-scha.rge of any sub· 

· stance from an automatic fire pro~ 

tectfon system; tir 

(b) Is direc:tJy caused by freezing. 

(3) Payments under this Additional Cov-

~r~ge are subject to and. not irl ~C,di, 

tiQo to the appllcal:>le urnn of Insur~ 

ance. 

7, Cover~g~ Extensie>ll!>: 

Unless otb$rwfse stated, paymetits tnade uh· 

der the following Coverag!:! Extensions are 

suJ)J$Ct to.~nd not in addition to the appHcable 

Limlts of Insurance, · 

~. . Ao(:ounts Reciivable 

(1) When a Limit of Insurance is shown 

· in the Declarations for Busfness Per• 

sonal Property atttre descrlbed premises, you may extend tbat insurance 

to apply to lass, ai;,, described in 

Paragra1>h {2} below. due. to drre9t 

physical loss of or damage to your 

MPT10202 05 Copyright, TM Travelers Indemnity company, 2004 Page 11 of 39 

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Case: 1:17-cv-00669-TSB Doc #: 1-1 Filed: 10/06/17 Page: 38 of 74 PAGEID #: 42
BUSfNESSOWNERS 

r~cords of accotJnts receivable (ll'.l:-

c.h,iding those 011. electronic data 

prot::e~ing m~d1~) ~u1;eq by ()r: te:-

s1,.11tlng from a Covered C~use of 

Loss. Credit .can:i carnpariy m~dia w.JU 

be considered accounts receivable 

uotiJ·dellveredfo foe credit card com,. 

pany. 

(2) vye wm pay for: 

.(a). AU . amounts due from yatlr customers that you are unable to co.~ 

leot; 

(b) Interest charges 011 any loan re-, 

quired to offset amounts you are 

unable to colle.ci. pending our 

payment of these amounts; · · 

(c} Collection expenses, in excess of 

your normal. collection expenses 

thet ar.e made necessary by the 

los~ or d~nwg~; and · · 

(d) Other reas911able l:lxpenses tnat 

· yoll incur to re-estatilish your records pf~ccounts r~ceivable, 

{~} Th.I:! following ex<;lusi<:>ns apply to th!$ · Coverage Extei)sion: · ·· 

{a) w~ will not pay for .1$s caused 

by or resulting from bookk~eping, 

a:ccounting o.t billing errors or 

omis.srons; 

(b) We wm nqt pay tar los.s that re--

qu.lres an a9dlt ofrecords or any 

inventory c.ornputatiPrl" to proye its 

factual existence; 

(c) We will not pay for loss caused 

by or resulting from alteration, 

falsification, concealment or de,. 

struction of recotds. of accounts 

receivable done to conceal the 

wrongful giving, taking oi: with .. · 

holding of rno,foy, securities or 

other property. But this.:extlt.Jsion 

applies only ta lhe extent of the 

wrongful' giving, ~king Qt with~ 

holding; .·. . 

{tj) Paragraph B.1.b, ~arth MoveN · rnent; 

((t) Paragraph B;t,c. Governmental · Action; 

(f} Paragraph B;td. Nudec1r H~z,. 

ard; 

{g} Paragraph 8, 1.f. Wanmd Mtltt;.:ny 

Actiqn; 

(h} P.gn,1grdph Rtg. Welter; 

(I) Paragraph B;1,h. NeglaGt: atld 

(j) Paragtaph B.2,s,J, 

No other excluslons in Paragraph 13, 

Exclusions apply to thi$ .Coverage 

Extension. However, if any exdusk1ns ar.a added by endorsement to 

this Coverage Form, sucli exclusions 

will apply .to thfs Coverage ExtensioR 

(4) The most we Wili pay under this. Coverage ExtensJort for lpss of or gam9ge to records ofacco1.mts receivable 

in any one occurtelice whiie in transit 

or at a prernisea other lha.n tbe tje,-

scrlbad. premises is $25;000, · 

{5} The most we will pay under thls Cov-

~rage Extension for loss ofor dam:-

age to rec:oms of accounts receivable 

in any .one occurrence at each de· 

scribed pr~rnises iS $25,000 or tl'le 

amount.shown ih the Declarations for 

Accounts 11eceivable, whichever· is 

9re~ter. 

(6} Payments made under this Coverage 

Extension aredn addltfon to the appli• 

cable. Limits of Insurance. 

b. Appurtenant Buildings and Structures 

(1) When a Limlt of l,:1surance is shown 

in.the Declarations rot Bundlng ~t thE'I 

described prf!rnises, yoq inay exi:end 

that insumn.ce to appfy to dlrept 

physical loss Of Of daJriag~tp lncfdep~ 

tal appurtenant. buildings or structures," within 1,000 feet ofthat qe~ 

scrlbEid premises, callsed by . or re~ 

sulthig from a covered Gause of 

Lo.ss. 

(2) When a Limit of Insurance is shown 

in the Declarations for Business Parsonaf Property at the described prem .. 

ises, you may extend that insurance 

lo apply to direct physical loss of or 

d~rnage to Business Personal Pmp· 

erty within incidental appurtenant 

butldtngs or structures within 1,000 

feet of that described premises, 

caused by or resu!Ung from a Cov~ 

ered Caus.e of loss, 

Pag~ 12 of 39 Copyright, The Travelers lodetrinity Company, 2004 MPT1020205 

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Case: 1:17-cv-00669-TSB Doc #: 1-1 Filed: 10/06/17 Page: 39 of 74 PAGEID #: 43
(3} lncldenf~I .\:!ppv.rtenant Pliildings qr 

stnictures lndu~e: · 

(a) storage bufldings: 

{b) Carports; 

(c} Gari,iges; 

Jd}. Pump houses; or 

(e) Above ground tanks; 

vvhiph have not Qf!en specifically de~ 

sbrib~ In the Declarations; 

(4} The most wewlll paY for fosa or dam-

. · ~ge under this coverage i::xtens!on in 

any one occun-enc:e fqr any combination of loss of or dan,.jlge Jo Building 

and Business Personal Properly is 

$50,000, regardless of the number of 

described preroises ·involved. 

(5) Payments.made under tnrs Coverage 

· · Extension are in addition fo the appli~ 

cable Limits of Insurar1cet 

c. Building Glass 

(1) If: 

{a} You a.~ the bvllding· owner; and 

(b) A Limit of Insurance is shown ln 

the Dec:li:iratiot1s fur B1.iiklirig at 

ttiedesc;ril:led premi$es; 

you may extend that insurance to ap-: 

PIY to direct physical loss. or or darn· 

ageto all exterior and iateriorbuildin9 

glass caused by or resulting from. a 

covered cause of Loss, lncludlng 

glaS$ breakage .and d;;i.tnage to glass. 

by ch.f;)mici:ils accidentally or mall""· 

oiously applied to glass. 

{2) If: 

{a) Yo.u are.a tenant; 

(b) A Um.:tt of !11$μranc:e 1s shown in 

the Declarations for Buifdlng of 

E3!Jsjness Pe~onal Pmperty at 

the (:!ascribed premises; and 

(9) You are contractually obligatflti • to 

~pair or replace bu:Hding glass at 

ttie oe~crl!'>ed premisest 

you may extend that insurance toapp!y to .direct pt:iysicpl k;,.ss of t:1r .damage to an exteflor and interior bq[ldjng 

. glass caused by or resulting from a 

Covered C:ause of Loss; ir1cluding 

glass llrea~g~ an:d d$1na~e to gl.-iss 

BUSINESSOWNERS 

by chemicals accj9Emtally or ma~-

o)ollsly applied to glii~s. · 

{3) We .will also pay for necessary expenses in connection with loss or 

damage covered in Paragraphs (1) or 

(2} above, incurred by you to, 

(a) Pui up t!;:!rnpornry pf ates or board 

up openings; 

(b) Rep!;ik 9r replace encasing 

frames; and 

(c;) Remove or replace o~strtJclions, 

(4~ The following exclusfons·apply.to this 

Coverage Exterisiori: · · 

(a} We will not pay tor Joss or daniaga caused by or resWtlng from: 

(i) Wear andtaar; 

(ii) Hidden or latent defect; 

(iii) Corrosion~ or 

Ov) Rust; 

(ll) Paragrapb B,1.b. Earth Movement; · 

(c) Parogtaph 8, 1,c; Governmental 

Action; 

{d) Paragraph B.1.d. Nuclear Hai· 

ard: · · 

(e) Paragraph B..1 .f. War an~ Militafy 

A<;tlon:. and 

{f) Paragraph a.1,g. Water. 

No other exclusions in Pi!l1;lgraph 6. 

~xclusions apply to this Coverage 

Extension. However. if any exclu~ 

sions are added by endorsement to 

thfs Coverage Form, su9fl exclusion~ 

wlll apply to this Coverage Extension. 

d. Busln~si; Income and fldta Expense 

Ft9m Pep~ndent PrQperty 

(1) When the Declarations show that you 

have coverage for Business Income 

and Extra Expenw, you.may extend 

that ihsuranCj!:! to apply to :the actual 

loss of Business tncorna you sustain 

and reasonable and necessary Extra 

Expense you incur due to the "sus,. 

pension" of your ''.c:iperations'' during 

the "psrfod of restoration", The ~suspensiori" mμst oo caused by direct 

pllyslcaUoS:s or damage' at the premfses ofa DepandenlPtopecty, caused 

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!' 

Case: 1:17-cv-00669-TSB Doc #: 1-1 Filed: 10/06/17 Page: 40 of 74 PAGEID #: 44
BUSINESSOWNERS 

by or rl;'!~Ulting from. acov~red Cai.,se. 

ofloss, 

{2) Dependant Property means property 

· operated by others whom you depend on to: 

{a) Deliver materials or services 

(other than "water sup.ply ser~ 

Vices", "communication supply 

services" or "pm'lter supply ser-' 

Vices'') to you, or to others for 

your account (Contributing Locations); · 

(b) Accept your products or services 

(Recipient Locations)i 

(tJ Manufacture products for dellvery 

to yQ1.if customers.1.mder contract 

pf · sale (Manufac.tur/ng Locations); or 

(d} Attract. customers to }lout business {Le.:ider location$}. 

(3) With respect tQ this 6overag$ Extensipn, th~ "period of res.toration'1

:. 

(a) Begins .14 how·~ after the time .of · dir~ct physfe<JI loss ot cf arnage 

caused by or resulting frorn any 

Covered Cause of Loss at the 

premises of the Dependent Property; 

{b} Ends cm tl:ie date. When the prop-

.· ertY at. the pr:ernlses qf the oe:-

pendent Property ,should be re-

'P!:!fred, rebuilt or replaceq with 

reasonabl~ speeq ano slrnHa:r 

quality~and 

.(c) Does not iriclude any increas~d 

period req1Jlred due to th.e en., 

foroomant of any ordlnance or 

fawthat: 

(I) Regulates the canstrucllon., 

i.ise o.r repair, or requires the 

tearing down of any property; 

or 

(ii} Req1.Jir.es ariy Jrisuwd. or: others to testfor, mortitor, clean 

up, r~move, contain, treat, 

detoxify or neutralize, or in 

any, way respond to, -0r assess the effects of "pollutants". 

(4) This Coverag~ Extension: 

(a} App{Jes to Dependent Property 

· premises located within. the Coverage Territory: and 

(b) Does not si:,pty when you have 

m6re sp~ciflc l11surahce under 

a:ny other policy. 

(5~ We wm reduce fhe amount of your 

Business tncome Joss, other than Ex~ 

tra Expense; to the extent you .can 

resume "operaUons0 in whole or in 

part, by using any other available: 

(a) Squrce of materlals; or 

(I)) oo~tet for your proouct~. 

(6) The mi'.lst we will pay for Business !11-

coine and Extra Expense under this 

Coverege Ext~nslon ih any one oo. 

Cl,lrrenca is $mQ00, regardless of 

the number of d.~crib<:1.d premises ot 

number of Dep¢r:u:l~nt Properties in~ 

\iqlv~- · 

(7) Payments made under this Coverage 

Extension are in additlon to me applicable Limits oflns.uraoce; 

e. Business Income and Extra Expense·-

Newly Acquired Premises 

{1) When th~ peclarations show tnat y1:m 

heve Qoverage for Business iqcorne 

and Extra Expenser yoQ may extend 

that insurance to appJy .to the actual 

loss of Business 1.ncome yoμ stlstairi 

and re~sonable and necessary Extra 

Expanse you incur due to the "sus~ 

pension" of your "operations'' during 

the "period of restoration". T)'le "sos~ 

pension" must be caused by · c:!ir~ct 

phys/cal loss or damage caused by or 

resu!Uhg from a Covered Cause of 

Loss at any premises you newly ac, 

quire by purchase or lease (other 

than a{ fafrs:, frade shows or eXhib1-

t1ons). 

{2} The most w~will pay under this COV· 

etag13 E;xt$lnsiori for !he,iiUrrJ of BosJoess lt;1co1ne arid Extra: E~nse yo\,! 

im::ur In ariy o.ne o~urrenoe is 

$250,1)00 at each newiy acquireq 

preml$es, 

(3} losurance 1.1ncler this Coverage Ex. 

tensian k)r e~cl'l riewly aetjuired 

Page 14of 39 Copyright; The Travelf:3ts Indemnity Company, 2004 MP T1 02, 02 05 

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Case: 1:17-cv-00669-TSB Doc #: 1-1 Filed: 10/06/17 Page: 41 of 74 PAGEID #: 45
pri':lm1ses will end when any of th~ following first occurs: 

(a) This pqlicy expires; 

(bl 90 days expire aft.eir you acquire 

that l)remises; 

(c) You report that premises to vs; or 

(d} rhe Business Income or Extra 

· Expense is more .specifically in~ 

sured. · 

We will charge you adctiiional pre-:-

mium for pte!l)lses rapor((ld from l~e 

date.)10μ acquire thalprerni~e1,;, 

(4) Payment$ made under this coverage 

Ext~Mioh a:re ih-a4dition_to·tt,e ~pplicahle Limit& of ln~ure.11ce, 

f. Bmi.ih~ss Per$0nal Property Qff Preml$es 

('1 When a Umifof Insurance is shown 

in the Declarations for Business Personal Property at the described pram~ 

ises1 you may extend that insurance. 

to apply to direct physical lo.ss of or 

damage to such property ·caused by 

.or resu!tlng from a Cov.erE!d Cause of 

Loss while: 

(a) In the course offransit . .to or from 

· the described premises; or 

(b): Temporarily away from the de1-

scribed premises; and: 

(i) At a premises you do not 

own,i lease or operate; or 

(ii) Atany falr, trade show or ex,.. 

hlbltlon al a premises you do 

nofown or regularly occupy. 

{2) This Coverage Extension does not 

apply tC> property: 

(a} Whil.e in tne custoqy of ib~ l,Jnifed 

· States Po$1al Service; 

{.b) Rented or lease~ .to otber~; 

{c) Afte1· :delivery to c::1..1stomets: 

{d). In .the care, custody or coritro! of 

· your salespersons. 1.mless: the 

prop~rty is rri such car~. custody 

pr control at a fair; lrad# sbciw or 

exhibition; 

{e) Temporarily at a. premises for 

more than 60 consecutive daye. 

except •money" and. ''$ec:uritie~t 

at a· "banking premise$"; 

BUSINESSOWNERS 

{f) O~herwise covered l:lnder the 

fine Art~ Ad~!tional Cove_~ge; or 

{g} Oth~rwJM covered 1,u1det the fol~ 

· lowlhg Coverage Extensions: · 

(i) Accounts Ret::efvable; 

(11) Electronic DataProcessrhg; 

(iii) Personal Effects: or 

(iv} Valuable Papers and Re~ 

c;ords. 

g. Civil Authority 

(1) When the.Dec!aratlon.'i shQw that you 

hijve coverage for. Svsioesic; lricome 

and Extra EXpE:ihse, yoq may extend 

f,hat insurance· to apply to the actual 

1.0SS of BtJ$in!:!SS. lncorne you susta_jJi 

and reasonabl.e and nE?cessaiy Extra 

E.xperise you incur t:aui:;ed. by action 

of civil autliOrity Uiat proliibtts. access 

to the d!:!sciibed premiS4:!s. The civil 

aulhcirlly action must be due to drrect 

physical loss Qf or damage to property .at location$, other than Qf;l$Cl'ibed 

premises, that are within 100 miles of 

the- described premises, caused by or 

resulting from· a GbvererJ Cause of 

Loss, 

(2) The coverage fur Buslne.ss Income 

· wiH begin 24 hours after the tlroe of 

that acl1on and 1r\iUI apply for a period 

of three consecuiive weeks after cov~ 

erage begins. 

(3) The coveragi!! for Extra Exp~nse Wlll 

begip immediately after th~ Urnt::i of 

that actioh arid wil.1 end wr1en your 

BusJoe~s incom:~ covermge ends for 

tl)ls Cqverage. Exten:;;ion. 

h. Efectronic.Data.PtQcessing 

(1) When. a Urnit of f nsurapce ls shown 

fn the · Declarations for Business Per~ 

sonal Prop$rty at the de.scribed pram~ 

ises, you may extend tbat insuranca 

to apply to dired physiC$1 loss of or 

damage to ''Electronk: D13,ta Processing Equipment'' · and to · "Electronic 

Data Process/rig Dala .and Media", 

caused by qr resUHhig from a Cov-

~recd Cause of Lpss; 

(2} · Worldwide coverage is provided un• 

der this Coverage Extension, The 

coverage territory as described In 

MP Tl 02 02 QS Copyright; The Travelers Indemnity company, 2004 P<:1ge 15 of39 

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Case: 1:17-cv-00669-TSB Doc #: 1-1 Filed: 10/06/17 Page: 42 of 74 PAGEID #: 46
i3Up1NESS0WNER$ 

Par~graph F,8.b. does r]'ot apply to 

this Coverage E xtensi()n, 

(3) Thls Coverage Extension do.es not 

applyto: 

(a} flStock"; or 

(b) Property that is leased or rented 

· to others. 

·(4) The following explusjons a$ de~ 

scribed in Pa~g:raph B, Exclusions 

do not apply to this Coverage Exten~ 

sion: · 

(a}· Paragraph 1 .. e; Utility Services; 

(b) Paragraph 2,a.; or 

{c} Paragraph 2,d.{6}. 

{5} Ttie following addltfonal exclusions 

· apply t~ this Coverage' E;xtension: 

{a) Wij Will not pay tor ic:ss cit di:'lmage cause(;i l}y or resulting rtotn 

any of the fplkWting: 

(i) Progrnmm(ng -errors; ornlsslons or incorrect instructions 

to a rnachinet. But If prq~ 

gramming errors, omlss.ions 

or incorrect instructions to a 

machine results ln a "specJ. 

fied cause al loss" 6r me .. char.lea! breakdown of "!=lee~ 

tronrc :Data. ptocessl~g 

Equipment''; we wili pay (or 

the lqss or damage paused 

by !_hat ~specified c~u~e of 

loss" or mechanical ' breat<.., 

down of "Electronic Data 

Pro(IB&sing Equipment~; · 

(Ii) Vnauthoriz~d viewing,. copy.., 

ing or use of "Electronic Dijf,a 

Processing Data and Media'' 

(or any proprietary or confidential information orintellec-. 

tual.property) by any person, 

even. if such activity is char~ 

acterited a~ "lhetr; 

(iii) Erro:rs ordeficjen<,yln desii;in, 

installation, n:ialntenam,e; r~ 

pair or m.odifi~tion of your 

computer systems qr any 

camput!'Jt system or ne(worl( 

to whii;;h your $j"slern is coo., 

nect~d or on which your sy&-

tern deperds (lncludlflg el~ctronic data}. But if errors or 

defioiE)ncy in peslgn, ini;;taJla~ 

tion, maintenance., repair or 

moq!ficatkm of your computer 

system 9r any COfrlp1Jtet ·sys~ 

tem or network to which your 

s~ten, is connected or on 

which your system depends 

{includlng electronic data.) re~ 

suits in a Nspecified cause of 

ioss'' or rnecnanicaf breakdown of "Electronic:: Oa:ti:i 

Processing Equiprnent11; we 

will pay for !he iass or dam~ 

age D1'lused by tnat ''specified 

c-.:iu&e o1 lost'' or mechanical 

breakdown of ''Electronic 

Data Pro~essirig Equipment~; 

(iv) Unexplained or indeterminable failure, malfunction or 

slowdown of a .computer system, including "Ele.ctrontc 

Data. Processing Data ·and 

Mll<l!a,i or the ini:ibiljty to aoc~$S. QI' proJ).erly manipulate 

"Electronic Data Processing 

Data; an~ fvlecfia"; pr · 

(v) "Electronic Vandalfsm'' e.x~ 

cept as provic:(ed in Pat~.-

gr~ph (9} below. 

(6} The 01ostwe wm pay under this cov--

. ~rage Ext(ar.sion for 1.oss Of or d.i;i:n:raga to ''~lec!rcinic Data Proc~issing 

E.qJJipment~ and to ;'ElEictronit. D~ta 

Processing Data and Media~, while In 

transit or at a premises other tha11 the 

described premises, in any one occurrence, ls $251

000. · 

(7) We most: we wm pay under thhrCover~ge Extension ror Joss of or dam~ 

age to duplicates of your "Electmnk 

D~ta Processing Data ant':! Media~ 

while stored at a s~parate . premises 

from wher~ your original "Efectronic 

Data Processing Data and Media'' are 

kept, in af)y one occurrence:; is 

$25,000, 

(8) The most we will. pay under this Cov· 

erage Extension for loss or damage 

to "EfectronicData Processing Equlp,. 

ment'', inciudlng such property you 

newly acquire in any one .occurrence 

'is $25,000 at each newly acquired 

premises. With respect to ins~irante. 

Page 16 of 3& CQpyright. Th.a Travelers lrtdemriity Compahy,2004 MPT1020205 

E-FILED 09/01/2017 02:48 PM / CONFIRMATION 654417 / A 1704612 I COMMON PLEAS DIVISION / IFOJ 

Case: 1:17-cv-00669-TSB Doc #: 1-1 Filed: 10/06/17 Page: 43 of 74 PAGEID #: 47
under th is Coverage Extension on 

newly acquired ''Electronic. Data 

Processlrig Equipment'', coverage will 

end when any of the following first 

ocx;ura: 

{a) This policy expires; 

{b) 180 days ~Ire after you acquire 

· · the "Electronic Data Processing 

Equipment"; or 

(c) You report value$ to us, 

(~) The most we wi!I p.'.ly·under thls Cov-

-erage .Extension for loss of or dam~ 

age to "e1e.ctronic Oata Process Ing 

Oata 1;1nd.Media" ¢!used by pr resulting from "electronic vandalisi:n~, ih 

ar:y .one occurri,mce Is $25,000, regarq10ss of tt1e number oHhe numbei 

of.premrses involved, S!.lch lirnitC:dso 

applies to aoy otherwise .oovari:)d. kn~s 

of Bu$iness Income or E;,rlra Expense, 

(10) The most we will pay under this Cov,. 

el'age Extension for J()ss of or damE,i,ge 10 ;'Electronic bata Processing 

Equipment" and t() "Electronic Data 

Processing Dat:a and Media", at th_e 

deslilribed preJUises, in ~ny one oc~ 

currence, is the Limit of Insurance 

shown · in the Declarations for Busl~ 

nes;; Personal . . Property at such 

premises o.r $S0.000, whichever is 

less~ · 

t Equipment Breakdown 

{1) When a Limit of Insurance is shown 

iri the Declar,;1tions for Building or 

Business Personal Property at the 

described premises, you may ext~nd 

lhat insurance to apply to direct. 

physical loss. of or damage to Covered Property .at the described prem~ 

lses caused by or resulting from a 

''.breakdown~ to. "covered equipment". 

With respe(::t tq otherwise .covereq 

8u&inass Income a:nd Extra E:xpans<:1, 

"hte~kdown"" to ;'covered equipment" 

will ba considered a Cover.ad Cay~ ofloss; · 

If an .ihitial'"braakdowri" causes other 

~breakdowns", all will be considered 

one "breakdown", AU "breakdowns" 

that manifest themselv.es at the same 

i3US1NESS0WNERS 

time iii'nd are the result of the same 

caUs~ wm al.so. be considered one 

"bfl::'akdown". 

(2) Under this Coverage Extension, the 

· following oovetages also apply: 

(a} Expedrt!ng E~penses 

(i) In the event of direct physical 

loss bf or damage to Covered 

Property c.al..ised tiy or r1;1sutt~ 

irig [torn a ~breakdown" to 

"covered equipi:nei-nf\ Wf!l wm 

pay fQr the rea!iQQijbla additional expenses you necessarify incur to make tempo,. 

rary repafrs to, or expedite 

the perma·ne.nt repair or re .. 

placement ot, the lost or 

tiamagl:ld c~vered Property. 

(il} Expecliting expanses .. include 

overtime wages and the extra 

~st. pf express or otht;!r r;;ipid 

means of transportation. 

(iii) Thi:} most we wm pay under 

t_his Coverage Extension for 

all Expediting Expenses.arising out of any one "break· 

down• Is $25,000. ThisJimifis 

p:ar:t of and not 111 additkill to 

the Limit of Insurance that 

applieEi to lost Of damaged 

Co\1lte(f Property. 

(b} ''Po!lutantit 

(I) ln the event of d/rect physical 

loss ofor dan:iage to. Cov~red 

Property caused by or resulting from a "breakdown" to 

"covered equipment"; we will 

pay for the additional. cost to 

repair or replace Coverecf 

Prop~rty be~u.se of cot,-

taminati.on by .. "pollutants". 

Thls includes the aqtlitlonal 

expensEi$ to cl~;;in up ot c:iispose of such property. Additional costs mean those beyond what would have been 

required !lad no "po!iutants" 

been involved. 

(ii) The most we wm pay under 

this Coverage Exte0!1ion for 

loss or damage to Covered 

Prop1;1rty C<!U.sed by cpntamination by Tipolllltants" arising 

MP T1020205 Copyright; The Travelers Indemnity company, 2004 Page 1T of.39 

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Case: 1:17-cv-00669-TSB Doc #: 1-1 Filed: 10/06/17 Page: 44 of 74 PAGEID #: 48
BU$1NESSQWNERS 

out Of any one "breakdown" 

is .$25,000, This. limit is st1bJect to and not in addition to 

th~• !-bnil. of Insurance that 

applies to lost or damaged 

Covered Property. 

{c) Service Interruption 

When the Pec~rations show that 

you h?i:ve coyerage for Business 

Income arid Extra expense, you 

may exteno that insurance.to apply t9 loss 9ausf;!d by ur resulting 

from. a •)breakdown'' to equipment 

that is owned, .operated or controlled by a locar public or private 

utility or distributor that .directJy 

generates, transmits, distributes 

or provides the following utility 

seNices: · 

(I) "WaterSupply Serv[ces''; 

(ii} "Communication Supply Servic~s"; or 

(Hl) "Power Supply Serv1ceif'. 

.(,) We will nof pay under this Coverage 

Extension for loss or damage caused 

by or resultlngfr.om any of the follow~ 

ing tests: 

(a) .A hydrostatic,. pneumatic or gas 

pressure test of ariy boiler or · pressure vessel;:or 

(bl An insulation bre.akc:fowh test of 

· any type qf e:~ctrlcal equipmei:it 

(4) We will not pay under this Coverage 

Extensfon for loss or damage caused 

by or resulting from achangefn: 

(a) Temperature; or 

{b) Humidity; 

as a consoq1,.1ence of "breakc!own•• tq 

•covered equipment'. · ··· 

($) TM following limitations in Paragraph 

A.5. do not apply to !his CoVE!rage 

E>cten$ion: 

{a) Paragrnpli a.(2); and 

.(b} Pat;;~roph ~.(3). 

(6) The followin9 excfusions in Para~ 

9raph B. Exclusions do not apply to 

this Coverage Extension: 

(a) Paragraph 2.a.; 

(b) Paragraph 2.d.(6.); and 

(c) Paragraph 2.e. 

(7) With respect to this Coverage Exten· 

sion, the following condlHon ts added 

to Para~raph F. Commercial Property 

Condit.ions: 

Suspension 

If any "i;::overed equipmenf' Is found 

to be in; or expi::lSed to a dangijrous 

condition, any of our reprnsentaUves 

may imrnedi~tefy suspend toe rnsurance provided by th1s Coverage Form 

for loss. or qamage callsed · by or resulting ftom a "b~kdowri'.' to that 1

'q.ove~ equipment". This can be 

doneby deliveiing or mailing.a ~otjce 

of sqspenslon to: · · 

1.. Yoor last known l.:lddress; or 

2. The adi;frsss wherec the, "¢tivere<1 

equipment" fs located. 

Once suspended in this way, s\.lch ln~ 

suJ'.ance -can only be reinstated by a 

written endorsement issued by us. If 

'We suspend your insurance, you will 

ijBt a pro rata refund of· premium for 

that ~covered equipment~; But the 

suspension will be effective even if 

we have not yet made or o.ffered a refund, · 

(S) Th9 rnost we wiH p13y vnder thJs Coverage Extensiqn for ~ll dJrect ph.yskal 

loss ofordamage to: 

(a} ''Diagnostic Eqvrpment"; 

(b) "Power Generating EqUipm~nt"; 

or 

(c) "Production Equipme11r•; 

caus.ed by or resulting from a "l;m:1akdown" to "covered equipm~nt• in arly 

orie occurrence is $100,000, 

j, lnterp.Jpt!on of C~roputef Operations 

(1} Whan the .Decll:i.rations show. thatyou 

tiav~ coverage· for Business Income 

ahd Extra Expense, you may extend 

t~at inslirahcia to apply to a ''suspen, 

s1on° of •operations'.' ca.used by an iilterruptfon of computer operations due 

to direct physical loss of or damage 

to "Etectronic Data Processing Data 

and Media" at tl1e described premises 

caused by ot resu!llng from a Cov~ 

erad Cl:luse of Loss. 

Page 18of39 Copynght, The T re11ele1t lrtdr:imniJy Company, 2004 MP T1 02 oi 05 

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Case: 1:17-cv-00669-TSB Doc #: 1-1 Filed: 10/06/17 Page: 45 of 74 PAGEID #: 49
(2) The most we wlll pay under thts Gover.age Extension is $25,QOO for the 

sum of ail covered iriterruptioos.artsing olltofall Covered caus-es.o.floss 

occurring durlng. eaGh separate 12 

month period l?f this policy ti9gln.n.in:g 

With the effective dat~ ofthls poliqy: 

(3) Payments made under thls: Coverage 

Extensfon are in addition to the applicable Limits oflnsurance. 

k. Mone:i, Orders and Counterfeit Paper 

Currency 

Wh1;1n a Limit of Insur.a nee is shown 111 the 

DeclareitiotlS for Busrn~ssPersooal Property at the t;Jescdbed premfses, yOU may 

extend tnahrisuranceto apply to. l0$s d_ue 

to the good faith acceptanc~ of; 

(1) Any 1..,/,S. or Canatjfali post office or 

express rtioney ordet:: issued <li' purporting fo have been issμed by 'any 

post office or expr!;!SS con,p~ny, if ttif:!. 

mi;,ney order is not paid upon preseri, 

·ta:Uon; or . 

(21 C91.mterfe~· United States or C~oadian paper curr¢ncy; 

1n exctianga for mercllandise, ·money" or 

services or as part of a normal business 

trans;:i.cth,,rh 

!. ~pp-Owne~ De@ttled Trailers 

(1} When a Limit oflnsurahce is shown. · in tt\e Oeciarations for .Buslriess Persotrai Pn:iperty ijt the desttlbed prom:-

ises, you may extend .that insurance 

t<> apply to dkect; physical las$ of or 

damage to tr,1:1ilet'$ or &emMrailerstha.t yqu do tJQfown, provided that: 

(ai The trailer or semt-trailer fs used 

in yourbCJsiness; 

(l:>} The trailer or semHrailtar: is in · yo.ur care; c\Jstody or c;qntro! at 

the described. premises; and 

(c) You have a contractual responslbllity to pay for. Jos.s of or· damage 

to the !railer or semi-trail et 

t2} We wm nQt pay fot Joss or darnage ·· · that occ1.1rs: · · 

{a} While the trailer or serni4rai!er is 

attached to any motor vehicle or 

motorized coriveyante, whether 

SUSINESSOWNERS 

or not the motor vehicle -or motorized coriv.eyarice is .in motioh; or: 

(b) During hitching or unhitching op~ 

eratioM, or when. a ttailer or 

semi-trailer. becon,es ac:tjdentaHy 

unl:i.itched from a.rno~or vehicle or 

motorized· conveyance, 

(3) The roost w~ wm pay for loss or dam~ 

age .under thi$ Coverage Exte,r,sion in 

any one occiJrrenoo Is $5,ooo re.gardN 

Jess of the ntimbe.r of tiespribed 

premlse$, trailers or soo:iiNtrailers il'lN 

vblved. 

(4} This insurance ls excess over the 

· amount due {whether you can collect 

on lt ot not) from ariY other insurance 

cover-inQ such property;,. 

m. Ordinance or law - Increased Period 

of Restoration 

{1) When: 

(a) A CPvered CaUfie of LO$.s di::GU!'.$ 

to prop~rty at th~ pe.scrioed 

premises; ~od 

(b} The D~clar-dtions $how th~ you 

nave coverage for ~usina$S Income anc:I Extr~ Expeni,e; 

you may ext~-nd tt,Eitinsurant;e,fo ap.~ 

ply to the amount of actual ioss l:!f 

Business Income you $ustain and 

re~sonable aiw r,ecess&ry Exira ~-

pense yo~ inout.duriri9 the increa.s~d 

pe,liad of "suspeni,lon" of~operations'; 

caused by or r$$Ulting from. the e_hfqrc~rrient of any ordin9nce or law 

'ihat 

{a) Regulates the construction, repair 

or replacemetit of atw property; 

(b) Requires the teartng down or re-

. placement of ai'\Y parts pf property not d"'!J'.laged by a C;:we~ed 

C.a.use of Loss; a.nd 

(c) ls in forte at the trrne of loss. 

(2) This Covera_ge Extension applies only 

· to the period that would be required, 

with reasonable speed; to reconstruct. repair or replace the property 

lo comply With .the minimum requirements of ttie ordinance or law, 

(3J This Cover;;rge Extension d9¢s not 

apply to: 

MP T1 02 02 os· Copyri9ht, i'he Travalers Indemnity Company, 2004 Page 19:of 39 

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Case: 1:17-cv-00669-TSB Doc #: 1-1 Filed: 10/06/17 Page: 46 of 74 PAGEID #: 50
BU$1NESSOWNERS 

.{a) Loss due to an ordinam::e or law 

that 

(1} You w.ere required to comply 

with before· the loss. ~ven if 

th~ pr<1perty was undam-

~ged; arid 

{ii} Yqu failed t9 cqr:riplywith; Qr 

(b} Costs associ1:1ted With the en- . _forcel'rlent of any ordinanca or 

.law tl'lat requires any lnsurad or 

othe_ra to test for, monitor, cle:ian 

μp, remove; contain, treat, detoxify qr, neutralize, orin anyv,i~y r.e-

=spond to, or assess the effect$ of 

"pollutants". 

{4) Paragraph B;1,a., doe$ not apply to 

this coverage Extension .. 

(5) The most vve will pay for loss under 

this Coverage Extension In ar:iy one 

occurrence is $25,000 at each d~ 

scribed premises, 

(6) Payrnents rh<:lde und~r this Coverage 

i::xt~nsio.n are in addition to the i!!pp!icable Limits of Insurance: 

n. Outdoor Property 

(1) When a Umlt of !nwran:ce is shown ·· in th:e O~cfa1rations for [}uilding or 

Bti$iness· Personal Property at ·the 

pescribed premises; you may ~xte11d 

that insu:ra.nc:e to apply to . direct 

physical loss. of or· damage to the following types .of outdoor property ai 

1hatdescrlbed premises caused by or 

resulting from a Co.vered Cause of 

Loss: 

(a) Radlo or television antennas {in~ 

·· duding microwave or satellite 

dishes} and their fead~in wiring, 

masts or towers; or 

(b) Bridges, walks, roru:Jways, patios 

and otherpiiived s, . .utaces. · 

(2) The most we will pay for lass or dam-

. age under this Coverage Extension in 

any or1e 6.ccurrence 1s $10,000 at 

each described premises. 

o. Petiinmd Effects 

(1) Wl'len a Umit of lnsuram:;e is shown 

iri the Dec!aratlonsfor Business Personal Property at the described prem,, 

ises, you may extend thatinsurance 

to apply to dirl:!ct. physical loss -of or 

dama.ge to person~l effects. owned 

by: 

(a} You; or 

(b) Your .officen.; partners, "mem0 

bers", "managers-'\ "ii!mployess'.\ 

directors or trustees: 

caused by or resulting from ~ Covered Cause of Loss, 

{2) such property must be located at a · o~scnbe.d premtses. 

(3) The most wewlU payforlossm damage under this Coverage Extensfon in 

any one occurrence is $25,000 at 

each described premises. 

(4-) Payments under this Coverage Extensiori are in addhibn .to .the appllca~ 

bre Limits of lns.uraoce, . 

p. sian~ 

{1) If; 

(a) You are the building.owner; a11d 

(b) A limit of IO$_uran~ Js shown in · t_he Oecf~rat1ons: for Building;. 

at me descdbed .premises. you may 

extend that insurance to apply fo di.N 

rect physical loss of ot dama_ge to 

Oμtdoor signs attached to the bulld0 

· ((19, or on or within 1,000 feet of the 

described premi~as, caused by Qr te, 

· swlting from a Covered Cal!se of 

L0$S. 

(2) If; 

{a) You are a tenant: 

{b} A Limit of Insurance is shown in 

the Declarations for Business 

Personal Property; and 

(c.) You own or are- contractually obJ~ated to repair or replace outdoor signs; 

at the described premt~~s, you. may 

extend that insuranf,e to apply to direct physical loss of or damage to 

outdoor .signs attached. to the build~ 

ing; or on or within 1,000 feet.of the 

described premises, caused by or resulting from a Covered Cause .of 

Loss. 

Page 2Q. of3fl Copyright. TheTravelers Indemnity company. 2004 MP T1 02 02 05. 

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Case: 1:17-cv-00669-TSB Doc #: 1-1 Filed: 10/06/17 Page: 47 of 74 PAGEID #: 51
q. SpoUa9e ,_ Consequential Lo,ss 

(1) When a Urnit of lnsurani::e. i.s shown 

in the, Declan:!tions for Business Per~ 

~on;1l Property at :the described pl'Elrrr 

ise$, yoLJ may extend th~t insurance 

to appjy to consequ~ntlal loss 1o your 

Busi~e~~ Personal Property c.~~se<'.I 

bys change in: 

{a) Temperature; or 

(b) Humidity; 

caused by or resulting from a Coy~ 

ered · Cause of loss to any of ttie foJ:.. 

lowing types. of equipment situated 

within the building af the described 

premises: 

(aJ Refrigerating; 

(b} cooling; 

(c) Humiqlfyin{I; 

(d) Ait~condi!toniilg; 

{e) Heating; 

{f) Generating -or converting power; 

or 

(g) Connections, supply or·lransmis.., · sion 6nes and pipes associated 

with the above equrpmant 

(2) With respeqt to .this Coverqge Ext.en~ 

· sion; "breakdown" to "covered equipment will not be cori:side:~ a Cov, 

ered Cause of loss; even if otherwise 

covered alse1i11tiere ill thf$ CQverc:1ga 

Form. 

(3) P~n;igr.;iptls .82.q.(7)(~)- arid 

· B;2,d.(7)(b} .do not apply to this coverage Extebsloit · 

r; Th~fl Damage to Rented. Property 

(1) When a Umlt of Insurance is shown 

in the Declarations. for Bu$iness Personal Property at the qesctibed prem, 

ises, you may extend Chat insu.ra"lte 

to ·apply to direct · physical loss of or 

damage t9 the_ folfowing caus!ild byor 

reslifung by ''theft" or attem:p~d 

'Theft•: 

{a} That part of a b(Ji!ding you 9c~ 

· cupy, but cfo not .oWn, whk:h con-

\aim,: Cover¢d ProperM and 

(b) Property Within SUGh i:ldr\-QWflOO 

bu:iltjing used for maintenance or 

SUSINESSQWNERS 

serylce of !:iuch non-owned bllilding. 

(2} We Will not pay under th1s Coverage 

· · Extension for l'oss or damage: 

(a) Caused by or resulUng from fire 

or explosion; or 

{b) To gla$S (ether tli&IJ glai,s buiid, 

Ing blocks) or to. any iettering~ or~ 

narnentation ox burglar alann 

tape on gt~ss; 

(3) Thls. co:veragi;l Exle.nslon applies orily 

if yoμ are <ii tenant arid you ~re ci:iritractu~lly ob!lgatecl to insure this exposure. 

s. Valuable Papers and Records 

{1) When a Limit of 111suri3nqe is snown 

in the Declaration$ for Business Personal Property at the described premises, you may extend tnat insurance 

to apply to direct physical loss of or 

damage to ~valuable papers and re,. 

cords", that~ 

{a) You own; or: 

(b) Ate owned by others, but in your 

qare, custody or control; 

caused l>y or resulting from a Covered Cause of: Loss, 

(2) Th1s Cover.:~110 Exten:slon incl.udes 

the cost to research, replac::e or restore the Jost information on "itaiuable 

papers and records'' for whrch dupli~ 

cates do not exist. · ·· 

(3) Th.e following exch,isloos app!y to tilts 

· Coverage Extension: 

(a) We wilt riot pay fi:ir anY loss ot 

damage to "v.;iluaple p;.iper'$ and 

recordsH CijUSe¢ by or resulting 

from any errors or omissions in 

processing or· copyiflg. But lf er .. 

rors or·omlsslons in processihg or 

copying resufts In fire or explosion, we.will pay for the resulting 

JOSI,. Qt damage caUsed by that 

iir$ or i:l:xp!osion. 

.(bJ Pi;1ragraph a.1.b. Earth Move,- . m¢ot 

(c) P~ragraph B.1~c. Govemmen:tal 

Actlon; · 

(d) P~ragraph B;1,d. Nuclec1r Haz:-

arq; · 

MPT102 0205 C9pyright, The Travelers Indemnity Company, 2004 Page 21 of 39 

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Case: 1:17-cv-00669-TSB Doc #: 1-1 Filed: 10/06/17 Page: 48 of 74 PAGEID #: 52
.................... ~ .......................... ~ ........................ --:

 ...................................... ~~~~~~--;-~~~~~~~ --,----

BUSlNESSOWNERS 

{~) Pi:!ragraph B.U. War. anl'.i Military 

Action: · 

(f) Paragraph B,1;g.Water; 

(f:J) Paragraph B.1.h. Neglect; and 

(h) Paragraph B.2.g. 

No other exclusions in Parag,aph B, 

txclusions apply to th.is Coverage 

Extension, Howevf!ir,. if any exclusions are added by endorsement tQ 

this·Coverage Form., such exclusions 

will applylo this Coyerag~ Exlel'lsioh. 

(4) The moslwewlll.pa,y und~rthis coverage Exteri$Jon for loss of or damage to "vah,1able papers and records" 

in any on~ occurrence whik3. in transJt 

t5r at a premises other than the de~ 

scribed premises Is $25,000, 

(5) The most we will pay underthis Coverage Extension for loss of or damage to ''valuable papers and record~" 

in <30Y one OCCl,lrrence at e1;1qh • ctesorlbed premises fs $25,000 .qr the 

amount shown in the Declarations fot 

Valuable .. P~pers • and ReCQrds, 

whlchever ls greater. 

(6) Payment$>. made uridf!r this Coverage· 

Exteri.si.o.n ~re in addltJ.on tQ the applf:-

eable Urrdts of Insurance, 

B.. EXCLUSIONS 

1. We will nof pay for loss or damag~ caused di~ 

recUy or indirectly by any of the following. 

Such loss or damage Is excluded regardless 

of any other cause or event that contributes 

concurrentjy or in any sequence to the loss. 

These exclusions apply whether or not the 

lo$$ event resi;,1Is l11 widespread darnag~ or 

affects a J>i:lb~tantfaJ area. 

a. Ordifiance Qr Law 

(1} The enforcement of any ordinance or 

law: 

(a} Regulaling the construction, use 

or repair of arw p.roperly; or 

(b) Requiring the tearing down of any 

property, ,including the cost of 

removing its debris, 

{2) · This exclusion, Ordinance or Law~ 

applieswhetherthe loss. results from: 

(a) An drdiriance. or law that Is en" 

forced even ff the property has 

not been damaged; or · (b) The iricteased cost.s incurred to 

· comply with an ordrn~nce or law 

in. th~ cour&e of.co.nstru9Uon, repair. ter:ibvaljnn, rll;lmocl.eih:ig or 

demolitiofl of properly, or removal 

of i'5 · ~~bri~. following. a physic1,il 

to~s to th.;it property, 

b. earth Movement 

(1} Earthquake, including any earth sfnking. rising or shifting related t9 1:>i::lch 

event; 

(2) Landslide, Including any earth sink· 

ing. rising or shfftlng related to such 

event; 

(3} Mine subsidence, maank1g sybstdence. of a man-made mine, wha!her 

or not rnir:ling actlyin, has ceased; or 

{4) Earttniin~lng (otherthah sJnkhole c:olla.pse}, ri~ing or shifting including $oil 

conditions Which Ga!.lse settling, 

·cracking or ·pther disarrangement of 

foundt;t:tions .or other pa:rts· of realty: 

$oil i;ondijioris lno!.ude contraction, 

e).tp~nsion, freezing, thli!wfng, ~rq~ 

s/on, jmproparly .compacted. soil a~d 

the action of wa,er under the groum::I 

surface; 

all whether natur~tly occ:urrrng or due to 

man macfe ot ofuet artificial ~es. 

But if E~lih Mov.ement, ~s de$cribed in 

Paragr<lphs (1) through {4) ~bO,;re results 

in fire or explosion. w~ will pay for the 

loss or a.am.age c::iμsed by th.a.t tlr.e or expioslon. · 

(5) Volcanrc; eruption, explosion ot effusion. aut if volcariic etuption, explosion or ~ffusion results ih .fire or Volcanic action, we will payfor the las$. 

or damage C.3used by that flre t;it voloanic adio.n. 

Volcanic.·action ml;)ans .direct loss or 

damage resulting from fhe ert:.ption of 

a volcano, when the loss or damage 

·is caused by: · 

(a) Airborne volcanic blast or airborne shook waves; 

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Case: 1:17-cv-00669-TSB Doc #: 1-1 Filed: 10/06/17 Page: 49 of 74 PAGEID #: 53
(b) Ash, dust., or particulatfl matter; 

or 

{c} Lava flow. 

All vok:Eiriic. erqptions that ot:cur 

within any 168-hour periocl will conT 

stitute a single ¢cc1:Jrrer1c&. 

Volcanfc actlon does not Include the 

cost to remove ash, dust or partlcu~ 

late matter that does not cause direct 

physical loss of or damage to Covered Property; 

e. Governmental Actfi:>n 

·selzure or destruction of property by or· 

der of gav~rnmentaiauthority. 

But we will. pay for IQS$ or d~mage 

qaui.ed by or resulting from c1ctl;l of d:estructRm ordered by governmental a:uT 

thority anc:t (Jone at the time of a fire to 

~reveot Its. spread, if the fire wqofd be 

covered urirle~ this policy, 

d: NtJc!e:1r Hszatd 

Nuclear .reactkm or radiafiqn, or rad1oactlve <;ontamiriatior,, however caused. 

E!u:t if rtut:lear reaption or tadJatio11, or ra~ 

dioacUve contamina.tlon resuJts in fire; we 

wilipayfor the loss or da111age caused by 

that fire. 

e, · Utillfy<Servfoe$ 

The failurE:19r ftuctJ1atiQfl of powilr or other 

utHlty servlce supplied to the described 

prern.iseJ,, however caused, if the cause 

of the failure or fluctuation occurs away 

from the described premises. · 

But if the failure or fltJctJ..iation of power or 

other utility service results in a Covered 

Cause of Loss, we.wm pay for the loss or 

damage resulting from .tha1 Covered 

Cause of Loss, 

:f, War and Military Action 

(1) War, including 1,m(!€lclared 9r civil 

war; 

(2) Warlike action by a military force, including actionjn hjrideting .o:r defend~ 

iog against an actuaf(}r expactsd l:lt• 

lack, by a:ny govemrnerit, s.overeign 

.or other authorlty using military per., 

sonnel or other agents; or 

(3) insur~ction, rebellion, . revolution, 

usurped power ¢r action taken by 

BUSINES$0WNERS 

governmen~i authority 1n h1nde.ring 

or defending agalrist any of these, · 

g. Wat~r 

(1} Flood. suiface wat~r:. waves, tid~s. 

tidal waves, o\i.ertlow: ofany body of 

water, or tl:'!eir spray, all whether 

driven by wind or not; 

(2} Mu.d$1lde.or muoflow; 

{3) W~ter or sewage th;;it backs .up or 

ovarfiows from a sewer, drain or 

sump; or 

(4) Water und~r. the ground surface 

presiing on, or flo\lVing or seepln9 

through; 

(a) foundations, waHs, fkiori or 

paved surfaces:. 

(b) Sasemerits, whether paved or 

not; or 

(e) Ooo~, windows or other openings; 

al! whether naturally. occurring or due to 

man made or other artificial causes. 

Butif Water, as described irt. Paragraphs 

(1) through (4) above results ln ffre, explosion or sprinkler ieakage1 we win pay 

far the loss or damage caused by that 

fire, expioslon or sprlnkter leakage, 

h. Neglect 

NegleGt of an im;ured to. use reason:abie 

means to save and preserve property 

from furtherdarnage atand after the time 

ofloss. 

i. Corlapse ofBuildlngs 

Collapse of build/rigs me1;1ni11g an abrupt 

f~iiing down e>rcaving iri of a building or 

any part of. a· building with the rest..1lt being 

thatthe building or part of a building can-- nof be occupied for fts rntendedpurpose. 

{1) fliis exc!usi.on does not apply to c.ollapse of buildings jf caused only by 

one or more of the following: 

(a) A "specified cal.!se of loss'' or 

breakage of buflding glass; 

(b) Decay, insect or vermin damage 

that ls hidden from view, unless the presence. of such decay or in~ 

sect or VE)rmln damage is known 

to an .insured prior ta collapse: 

Copyright, ltte Travelers lndemnityCompany, 2004 Page 23 of 39 

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BUSINESSOWNERS 

(c). Waight of people or peraonai 

property; · ·· 

(d) Weight of rain ttiat: coHects on a 

roof; or · · 

(e) Use of defective ,;naterial Qr' 

· methods in c~:mstructipn, remod· 

eling or r!:inovatio.n it'. the coU<'lpS!"l 

occurs during the course of corh 

structlqn. remod~liog: or renova.., 

tion; or 

(f} Use of defective material or 

methotjs ln . constt\Jction. rempq-, 

eling or renovation if the. coHap$e 

occurs after constmction; remod.; 

eling, or renovation. Is complete 

and is caused in part by a cause 

Of loss listed in Paragraphs (a) 

through (d) above. · 

In the event collapse results in a 

Covered Cause ol Loss, we will only 

pay tor·th.e re.suiting loss or damage 

by tha:f Covered Cause of Loss. 

(2) We wiH not pay for loss of or damage 

to the following types of property, if 

otherv.ise covered. ln t.h1s, Coverage 

Form under Paragraphs {1){bl 

thr0,1.,1gh (1)(f) 8bOVEl, Uniess the loss 

or damage is a direct result of the col~ 

lapse of a buildfhg: 

(a) Avmings, g~rs and do:wn· 

spouts; 

(b) Outdoor radio or telf.ivislon an· · tennas (indud1ng micl'bwave or 

satelflte dish~s) an~ their .lead-in 

wiring, mast$ or towera,; 

(c) Fences; 

(d) Pi~rs>wt,ar:ves and docks; 

(e) Beach or dWing platfomw or ap:-

p4rtenanc.es; 

(f) Retaining walls; 

(~) Walks, roadway ancl other paved · sul"faoos; 

(h) Yard fixtures; O( 

(1) Outdoor sw\rnmin9 pools. 

{3} A building or part ofa buifding that: 

{a) Is in imminent danger of abruptly 

:falling down or caving in; or 

(b) Suffers a substantial impairment 

of struc.tural integrity; 

is not considered t9 have. jjollal)sed 

b.ut is cb:t:isidered to .be in a siate cif 

lmrnfnent. collapse. 

(4) With respectto buildings ln a state of 

· imminent coilspse, we will not pay for 

loss. or damage uriless the state of 

fmminent collapse first manif~sts it~-

self dmfng fhe policy period anci is 

caused· only by one or more of the 

following whicil occurs during the poilcy penod: 

(a) A Rspecified cause of lc:is~t or 

breakage ofgla$s; · · 

(b} Weight of pe9ple or persQnal 

property: 

M 'Weight of rain .that.collects an a 

roof; or 

{dl Us£'! of def¢ctive rnateri~I or 

· methods, in constru<:tlon, remQdeUng or l'.E;ll)OyatiQn If ths stat~ of 

itnmlnent ctlllaps~ occurs tturing 

the . course of .conslnli:tio:n. re~ 

modeling or ter:iQvatlon, 

i. We VJill not pay for loss or damage caused by 

or resultlng from any of the following: 

a. Artlfi~laJly g!;!nerated electrical <::urrent, inctudin:g erectric arcing tli:at dlsturbs·e!ectrlcal deviQe~. applifl11Ces or·wires unless 

caused by a ''specified !)ause of lqssN, 

But if artlfkiatly geineiraJed electric;ql current results in fire, w~ will pay for the lo~s 

or damage caused by that fire. 

b.. Delay, loss ofuse.or loss ofmarktit 

c. Smoke,. vapor or 9$.S frorr, l:igricultural 

smudging. or tndustrial · operattoris, 

d. {1). Wear and tear; 

(2) Rust. corrosioti, fungus, decay, deteriorat!c:m. wet or dry rot; mold, hidden 

or l.ate11t defect or a11yqual1ty in propeify that cal:l~es it to damage or destroy itself, 

(3) Smog; 

(4) Settling, cracking, shrinking or ex~ · · pansfon; · 

{5) Nesting or infe$t'etion, or dfschargeor 

release of waste products or secre• 

(ions, by inseets, birds, roden.ts or 

other anh:nafs; 

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(6) MechanlC'.al breakd~n, including 

ruptur& or bursting caused by centrifugal force. But if mechanical 

bte;:ikdown results In elevator com ... 

.sian, we. wm pay tor the loss or dam .. 

age caused by ttiat elevator collision; 

(7) The following causes of loss to per'-

. · sonal property: 

{a) Dampness or dryness of atrnos- . phEre; 

{b) Cha119es ih or extremes of tern-

. perature;. 

(c) Marring or scratching; 

(d} Changes io flavor;, color, texture 

or finish; · 

. (e} Evapdration or leakag~; ·Or 

(8) Contamination by other than "pollut~ 

. ants". 

But if an exch,1ded cal.lse ofios$ that is 

listed in Paragraphs.(1} tlJrough (8} ;;i.boVEl 

results in a •specified cau$El of loss'', 

building glass breakage or "breakdown" 

to "covered equipment" (only· if otherwise 

,.3.•Coverac;I cause of Loss),wewill pay for 

th~ Joss or damage caused by. that 

''spei:::ifie.d. qause of loss'' •. buildin!;J glass 

breakage or "bre~kdowo~ to. "tov$red 

eqtdprnent (only if othe~vise a Covered 

Cause of Loss). 

e. Expiosion ols.l$i:(l)'J boilers; steam pipes, 

steam engines or stea111 turbines owned 

or leased by you, or operated under yoμr 

·control. But if explosion of steam.boUf;lrS, 

steam pipes, steam engines or steam 

turbines results in fire or combustion ex~ 

pl6sioo, W6 Will pay for the loss or dam--

age caused by that fire or combustion,ex., 

ploslon, We Will also pay fur loss or dam~ 

age caused ~Y or ra~ultihg from ·me eX,,, 

plosion of g1'isasorfu~l <iVith!n the fwrnace 

qt any fired vessel or wi.!hin the fh,ies or 

passag111l> · through which the gase:1 of 

combuslforrpa$S. 

f, Contlouous or repealed seepage or feak~ 

ag~ of wat$(, orlhe presence: or condensation of humidity, .tr.!C®ture or:v~por, that 

oecurs over a period of 14 days ot 111ore, 

g. Water. other liq1.llds. powder or molti?n 

material that leaks or flows from plumbing, heating, air conditioning or other 

equipment (except fire protection sys, 

eus1NESS0WNERS. 

if;!tns) <:;~used l:ly or resultfog from fretizing; unless: 

{1) You do yout best to matntain heat in. 

· t:he building or structure; or 

(2) You drain the equipment and shut off 

ttie water s[Jpply lf the neat is not 

maintaineo .. 

1,. DjshQrest or criminal acts by you, or any 

of your partri~rs. "rnernbers", officers~ 

"managers", "empl9Y€les" · (irlcludlng 

!easeq ernplpyees), directors, · trustees. 

authorized. representatives or anyonEJ to 

whom you entru~t the property for atty 

purposa: · 

(1J Acting aione or in colll:.islon witt, others; or 

(2) Whether or not occurring during the 

· hours of employment. 

Thi$ exclU$ibri does not apply to acts. of 

destn1ctfon .:bY your "emp!oyeesn (inclt..ld· 

lng leased. ~mployees), but"theft" by "em~ 

ployaes''·([oc;luding l(i!ase.d emplqyees}Js 

not ~overed, . 

i,. Voluntary p~rtit:19 with any property by 

you or anyC>Qe else to 1JV~om yo:o have en~ 

lr.usted the property. .. 

J Rain; snow,, sani:1,. d\.Jst, icQ or sle!;!l to 

personal property in the open, 

k. Discharge, dispersal, seepage, migration, 

rerea$e or escape of i•pollutanti:t unless 

the discharge, dispersal, seepage, migration, release .or escape is itself caused by 

any of the "specified causes of loss". But 

iftha dlscha.-ge, dispersal, seepage, migration, re!ea$e or .esc.ipe of ~pollutants" 

results in $ "sp~fi~ ca,use of loss", we 

will pay for the loss or damage. caused by 

ttiat ''specJftect cause oflossP. 

This eX-ci'1!>f,:m, k, does ttotapply ti'.> d.am~ 

age to .grass .causecf by ctlernica!s applie9 

t9 the glas~; · · 

I. Default on .any cr&dlt sal~, IOi;i..n, or similar 

transaction. 

m, Property that is missing, wt.i.ere the or)ly 

evidence oflhe loss or damage i.s a short~ 

age disdosec! 011 taking frwentol'y, or 

other instances where there fs .no phys!~ 

cal evidence to show what happe11ed to 

the property. This exclusion does not ap-. 

ply to ~money<1 and "securitiesfi. 

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BUSINESSOWNERS 

n. Loss of property or that part of any loss, 

the proof of which as to its existence or 

amount is dependent on; · · 

.(1} Any trwentory computation; or 

{2} A profit and k>ss compt1ration. 

o;. The.:transfer of property to ~ person or to 

a place c:ititside. the des1::ribed premises 

cm the ba$ls. of unaμthorlzed instructkms. 

p~ Loss of l!rnooey" or "sec1.nitieslt ci:itised .by 

or 11:ls~.dling from accounting 9r artt1Jmet1c 

errors or O!l'lissigns. 

q. Tne ~ost of por~cting or making good th& 

damage to per:sonal property attributable 

to .such property being proceru.ed, .maq1,.1-

factured, tested, repa/~d. restored, retouch.ad or otherwise being worked uptm. 

3, We wHrnot pay for loss or damage caused by 

or resulllng from any .of tne following under 

Paragraphs a. through c. But if an excluded 

cause <Of lmis that is listed in Paragraphs a. 

and b. below results ih a covered cause of 

Lc,$c$, we will pay for the resuliing loss or 

damage· ~us~ by that Cov,red C<ilU!:ie· of 

Loss. · 

a, Weather conditions; but this exclusion 

only ~pp!fes if weather conditions conttib· 

μtQ in. ;;irw ,way· With.a cause qt .event exduded in Paragraph B.1, aqov~ to produce the loss or damage. 

b. Acts or decisions; including the fallun~ to 

act or decide, of any person, group, organization or govemmentat body. 

c, Faulty, Inadequate or defective: 

(1) Pla110ing, zoning, oevelopment, surveyfog,. ~ilfog; 

{2) Design, specificatiomi, wor~man.$hip, 

· repair, construction, renovation, re~ 

modeliog, g~dinQ, compacUon; 

(3) Materials used ih repair, construction, 

renovation or remodeliog; or 

{4) Maintenance; 

of Pi::111 or an of an.y property Ort or off tb~ 

described premises. 

If an. exch,1ded·cause of Joss.that ls liste,.r 

in Par?1graphs (1) through (4) ~bove reh 

sults in a Covered Cause of Loss,we will 

pay for the resulting loss or clamag~ 

caused by that Covered Gause of Loss. 

But we will not pay for:: 

(1) Any cost of .c;orrectlng or making 

· goop the fault, inadequ~cy or defect 

itself, including any cost incurred to 

tear down. tear qut, repair or replace 

any part of any property to corrett th.e 

fa:utt, !nadequ~t;y .Qr r:tMect; or 

(.2) Any resulting Joss or damage by .a 

Covered Cause of Loss to 'the property that. has the fault, inad:eqtiacy or 

de~d. unm the f~!)tt, inadequacy .or 

defectis cprrectei:t · 

4. Busrnei;fi lnco.ma and Extra Expense Ex-

~lusioris · 

We wm not pay for: 

a. Ahy Extra Expense, or Increase of Business Jocorne loss, caused by o.- resulting 

from; 

(1) belay in rebuilding. repairing or re· 

pladng the property or resw:ning "operations'\ due to interference by 

strikers or other persons at the tocation of the rebuildlng, repair or replacement~ or 

(2) ~USPiffislon, lap$e or cancellation of 

any Ucense, le:iase or ct:1ntrac;t Sut. if 

the suspension~ lapsa or can.callation 

is dir~ctly causaj by JIW "suspenskm" 

of "operationsn, we wilf cover such 

loss that affects your Busfness income during the ~period of restoration" and the period of Extended 

Business Income; or 

b. Any other consequential loss, 

C. LIMITS OF.INSUAANCE 

1. The most wa wll! pay for IO$S or damage In 

any one occotrence I$ the applftable Lirnft of 

fnsurance shOWH in the DeclaraLions, $ched~ 

tiles •. Colferage Forms, orendor!;lements, 

2; Jnftatipn G\,ard 

a. When a percentage fur hiflatioh Guard is 

shown h1 the Declarations:, the Umit of In_. 

surance for property to which this cover-

.age applies will automatically increaso by 

that ann1.1af percentage. 

b. The amountofincrease wUI be: 

(1J The Lil;1itof fnsurance that apptied on 

the most recent of the policy lncep.. 

tion date, {he polJcy aoniver~ry dab:;'1, 

or any other polii:,y change amending 

the Limit.of Insurance, multtpl[ed by 

Page 26.of 39 Copyright, The Travelers. !ndernnity Company, 2004 MPT1020205 

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(2) The percentage of annual increase 

shown i11 the Decf arations, expressecf 

as a decimal (ex.ample; 8% i$ ,08). 

multiplied by 

(a) The numb¢r Qfdays.since tne .begin:. 

· niog of the current policy yaar or the 

effeoti\te.c;tate of the most ~nt pol~ 

icy change arnendin9 the Limit of ln--

surance, divided by 365. 

Example; 

If:. 

The appllcaole Building limit is $100,000 

The. annual percentage 

increase is t:!% 

Th.e number of days sliicE! 

the beginntng.ofthe 

policy year{ortast policy 

chaflge) is · · 146 

TJiE! Ettno1.mtof lncr(tase is 

$100,000 X .OtlX (146fJ65)= $3;200 

3. a·usiness Pe~onal Property Limit - sea" 

sonal Increase · 

a. The Li.mil of insurance for Bu$in~ss Pet .. sm:ial Pr(Jperty shown in the Oeclarations 

will .-utornati<;ally Increase by 25% .to. pro"' 

vide for seasonal variations, 

b. This 1ncreaseWiH apply only if the LJtoit of 

Insurance shown tor Busine:ss Personal 

Property in· the Oedarai.ions is at least 

100% of your average monthly vaiuei;; 

during the fesser of; 

.(1) ihe 12 months immedlately preced~ 

ing the date the lqss or damage occurs;. or 

(2) tn.e period of time You have been. in 

business ,;1s. of the dete the I~ or 

c!am.:1ge occurs. 

[), C>E.DUCTJl;JLE$ 

1, We wfll riot pay for Joss or da::mage rn any one 

occurrence untll the amount or IOss or d1;1m~ 

age exceec1~ the Bu$ir1es$6Wner.s Property 

Coirerage Oeduptible shown in the Pacl~ratkms. Wf.3 Will then p,;'!y the amount pf covered 

loss or damage in excess of that Oeducilble, 

Butwe will not pay ·rn.<)(e tnim :tn~ applicable 

Limit of Insurance. 

2. Regardless of the amount of the 81)sinessowners Property Coverage Deductible, the 

mostwe will deduct from any less or damage 

under the Build In~ Glass Coverage Extensioq 

i3US1NESS0Wf'JER$ 

In any one occurrence i!, the BvHding G!a?s 

Deductible. shown .ih lh~ Deqlata~ons, 

3. The Busirte$$OWf1e.rs P,operty Covet~ge Qe-

<:lt.Jctible does not apply to any of the following; 

a. Ftre Dep;;irtrnent Servic\il Charge; 

b. Bu:siness ln~omel;lnd Extra Expense; 

c. Arson and Theft Rew~rd; ancl 

d, Acco.unts. R{)¢ei~ble, 

4. If rnore than one dedUctl.ble applres to loss or 

damage in any one occurrance, wa will apply 

Eiach qeductible separately, But the. total ofijll 

dadu.ctible arnou11ts· applied in a,ny one: ocourtence will no1 e,i:ceeq tne l~rgest appllc~ple 

dedu:ctible, 

i;; PROPERTY LOSS CONQITIONS 

The foflowing conditions apply in adctitl.on 10 the 

Common Policy Cor:lditions: 

t. Abandorirnent 

There can be no abandonment of any property to. us. · 

2. Appraisal 

lfwe and you .disagree on the value of th.e 

property, the amount of Net Income and .ope,ratlhg. eicpense ot the amount of loss, either 

may make written dernahd for an appraisal of 

tht;. lo~. rn this event, ef:lch patty \Vlll select. a . 

competent anq impartial appraiser; The two 

appraisers will select ai1 umpire. !f thEly can~ 

hQt ~gtee, either: may request that selecti911 

be rna.d~ Qy a judge of a OO!Jrt hsvJng jurisdiP:. 

tion. The appraisers will slate- $eparateiy the 

value of the property, th~ arnourit of Net Income and operating expense or the amount 

of loss. ff they fail hagree, they will submit 

their dlff erences to the umplre. A d eclslbn 

agreed to by any two will. be binding, Each 

party will~ · 

a:. Pay its chosen appraiser; and 

b. Bear the other expenses of the appraisal 

and umplreequally, · 

If there Is an appraisal, we will still retain our 

righilo deny the claim. · · · 

3. Duties in the Event of Loss.or Dam~ge 

a~ You must see that fue foliowing are done 

in the event of loss or damage to Covered 

Property: 

{1) Nolify the police if a law may hi:ive 

been broken, This duty does .not ap~ 

MP T1 02 02 .05 Copyright, The Tr~vE:Jfers lnderrmlly Company, 2004 Fi'aga27 of39 

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BU$1NESSOWNERS 

ply to loss or damage arising from 

''employee dfa;;t:itmesty" and ''forgery" 

or alteration. 

(2) Give us p~ompt notice of the loss or 

damage, Include a descriptlon<of the 

property involyed. 

(3) .As soon a1:; pos$1ble, give l!S a description of how, when ancl where th~ 

loss ordamage oc;:curred. 

(4) Take all reasonable steps to protect 

the Covered Property from further 

damage, and keep a record .of your 

expenses necessary to protect the 

Covered Property, for consideratfon 

in the settlement of the claim. Thls 

will not increase the. Limit of Insurance. However! we will not pay for 

any subsequent loss or ·damage resulting from a.cause -of .loss that is not 

a Covered Cause of Loss, Also, if 

feaslble, set the• damaged property 

aside and. in the best possible order 

for examination. 

{5) At our request, give us complete inventories of the daml:lged arid un~ 

damag~ property: Include quantities, 

costs, values and amount <>f loss 

clahned. 

(6} As often as · may be reasonably re~ 

tjuire<t. permit us to inspect the prQp~ 

arty proving the loss or damage and 

eximiine your books aodrecords, 

Also permit 11~ to take sampl¢s of 

t::lamageq and un~am~ged property 

for inspe'!ltipn, wi'itlng and a~lysfa, 

a.r.d permit .us to. ~ke cop!El:l> from 

yout..books . .and recpr!ls, 

(7) For loss· or damage from other than 

"employee dlshonesty"' or "forgery• or 

alteration send us a signed, swom 

proof of loss containing the informa" 

tion we request to investigate the 

claim; You · must do this withih 60 

daysafter our request Wewiff supply 

you wiihthe necessaryforms. 

(R) Fo.t loss qr damage re$ultfng from 

·»employee d.lshonast~l or "fotgery" or 

alteration, gjye .. us a detailed, sworh 

prqof of lpss within 120 d;::iys -after 

you discov~r a loss or ·situaJion th"'t 

may result in loss, of or damage fo 

C0:verei:J Property. · 

(9} Cooperate with us fn the investigation 

· and seWement of ihe claim, · · 

(10) lf you idtend to Cbt'ltim:.Je your !)us~ 

ness, you l'rlt.1$t resume au or part of 

your "operations" as quickly as poss.i~ 

ble. 

b. We may exa.inlne any insu(~ct um:Jer Q..ith, 

white not in the presence of any. other insured and at such times as may be rea, 

sonably required, about any matter refat. 

if"g to 1his insurance or me cf aim, ihciud~ 

ing an insured's books and records. In the 

event of ari examination,· ao i11sured's answers must be signed. 

4. Lqss Pay:men.f - BLiUding and Personal 

Property· 

a. In the event of loss or damage covered 

by this Coverage Ftmn, at our option, we 

will. eJther:: 

{1.) Pay the value of lost or damaged 

property;; 

{2) Pay the. cost of repaidrig or replacing 

the lost ordamaged property, subject 

to Paragraph b. below; 

(3) Take aii or any part of the property at 

· · an t:lgreec:l or appraised value; or 

(4) Repair, rebuild or repi$ce the. prop-

. arty with. ottier property of Jike kfnd. 

and quality,. subject to· Paragraph' b. 

below. 

We wjfl determlna the .value of lost or 

d$rnaged property, or t.he cost of its repair 

or replacement; In accordance wlth tlie 

applicable tenr,s pf Paragr-&ph e. below or 

any .:1pplk;1!1ble- provisiPn .which amends or 

supersedes these valuation cdndftlons. 

b. The cr::i$t to repair; rebuild or replace does 

not incl(Idf.? the: lnc:reasecl <;0St attributable 

to e11forcerneht .of any ordlna:m::e or Jaw 

regulat1ng the construction, use of rapa1r 

of any pn:>perty, except .as provided iti the 

Ordln?Jni;;:e o.r Law Addittonal Coverage, 

c. We will give 11ot1ce of our intentions within 

30 days after we receiv~ the proof of loss. 

d. We wm not. pay you more than YoUf tinan~ 

cial interest ill the Coverel:f Property. 

Page 28of39 Copyright; TheTravelars lridemnfty company, .2004 IVlP n 02 02 05 

E-FILED 09/01/2017 02:48 PM / CONFIRMATION 654417 / A 1704612 I COMMON PLEAS DIVISION 1 · IFOJ 

Case: 1:17-cv-00669-TSB Doc #: 1-1 Filed: 10/06/17 Page: 55 of 74 PAGEID #: 59
.&. We will determine the value of Covered 

Property il'i the event of covered loss or 

damage as follows: 

(1} At replacement CO$.t (without det:J1,1c1.ion for depr~flfion), except e1s provi.ded iri Parag~phs (2) thmugl:i O 8} 

below, 

(a) You may make a ~!aim tor loss or 

damage covered by this insur~ 

arype on an act1Jal ca\ih value .bi:1-: 

sis. instead of on a replacement 

cost basis. In the event you elect 

to have loss or damage settled 

on an actual cash vaiue basis, 

you may still make l:3- claim on a 

replacernent c9st bctsis ifyoU.rn::itlfy us of your intent to" do so 

within 1 s.o clays after the loss or 

damage. 

{b) We will notpay on. ii replac~men! . cost basts for any loss or damage: 

(i) Until the lost or damaged 

· property is a¢tually repaired 

or fl;lp!ac~ct; and 

(ii) Uni~s$ the repairs or r:eplacement ·are made as soon 

as ,easo:n~bly po~ible after 

the toss or damage,· 

Vl/lth. respect, .to 1$ryants' ir:nprovern~nts and betterments, the 

following also applies: 

a) If .the condJtions in Para" 

graphs (i} and {Ii) above 

are hot met; the value of 

tenants' impr6vements 

~nd. betterments will be 

determlned as a propor# 

tiqn of your original cast, 

as set· forth ufl<ler Paragraph e.(7} below; &nd 

b) We wit! not pay fQr loss 

or damage to tenants' 

improvements and bet~ 

terments if others pay for 

repairs: or replacement 

(c) We wiff not pay more fur loss or 

· damag!"I on a replacement cost 

basis than the laast of Para~ 

graphs '(I), (U) or {iiij: · subjeot to 

Pc!f~graph (d) below: . 

BU$1NESSOWNf;RS 

{i) The Limft pf l.n.sur.:1nce appH-

~ble to the lost pt damaged 

prop~rty; 

(Ii) TM cosno replace the lostor 

damaged properly with other 

property: 

a) Of cqmparable rnflferial 

and qm111ty; <:1nd 

b) Us,ed for the :sam~· purpose; or 

(iii~ The amount actually spent 

· that is nec~aty to. repair br 

replace 1he lost or darnag~\i 

property; 

If a bulrc!ing is rebuiit <1t a new 

prertiise&, the c;;osf described ih 

Paragraph {ii) above is limited io 

the cost which would have .been 

incurred if the building h,;1d beeQ 

rebuilt at the original premises . 

(d) The cost of repair or replacement 

does not include the · increased 

cost atttibutab!e to enforcement 

of a11y ordinance or law regulating ttre c:onstn:.iction. use ori'epair 

of.any property. · 

(2) If .the Declarations ind1cate that AiStuaJ Cash Vaf Ue app!i1;1~ to Buildings 

cir Business Personal Prope~y, .Paragr~ph (1} above cfoes not apply io the 

· proparty fqr wl1ich Actual. Cash Value 

is indfcated. 

(3) Perso11aJ Property .of others at the 

amount for Which yQll El.re liabie plus 

thEl cost of labor; materia1$c or $.ervfces fumiihed. or arrarigE'ld by yqu tin 

personal property 9f others, not to 

exceed th.8 rep)a~rnent cost. 

(4) The followrng property at actual cash · value: 

{~} Used or setond·halid met'thandi~e hel4 ih storage or for s~e; 

(b) House11o!d furnishing$; and 

{c} Pernon~ effects: 

(S) "Fine Arts" as follows: 

(al Jf there ls a schedule of "fine arts~ 

on .fUe whi.ch ini;:IVdes a description and value oHhe lost or damaged Item, we will pay the value 

as stated in the schedule for that 

MP 'r1 02. 02 05 Capyright, The Travelers lnd.emnifyCornp~rw. 2004 Pag/:! 29 of39 

E-FILED 09/01/2017 02:48 PM / CONFIRMATION 654417 I A 1704612 / COMMON PLEAS DIVISION I IFOJ 

Case: 1:17-cv-00669-TSB Doc #: 1-1 Filed: 10/06/17 Page: 56 of 74 PAGEID #: 60
---------,.-----:-------~------:------:---, 

BUSINESSOWNERS 

item if there is a total loss to that 

item. lf there is a partial loss to an 

item, we wiU pay the cost of rea• 

sonably restoring or repairing that 

item,. 

(b) For "fine .;irts" Without a st:hec;lule 

· Ql'J file as de$crjbed in Paragr"1ph 

{a) c1bove, the value Of "fine arts" 

wm be the least.of the following 

l:l.lTiQur.ts: 

(l) Market valu.e of tl}e lo.st or 

damaged item at th~ time 

and place of loss; 

{ii} Ttie cost. of reasonably. restoring the lost or damaged 

itern.:or 

(iii) The, cost of replacing that lost 

· or damaged item with prop~ 

arty subsfantlaUy the same. 

(6} Glass at the cost of replacement with 

· safety glazlhg material if required by 

law. 

m I enants' Improvements and Better~ · mentsat 

{a) Replacement cost if you make 

repairs promptly. 

(b) A proportion of your ongtnal cost 

· if you do not make repairs 

promptly. We will determine the 

proportlonat.e value as follows: 

(i) Multiply the orlgioal cost by· 

· · the ruirn.b:er of days: from the 

loss ot damage to. the exp,tation of tM li;lase; and · 

(if) Divjd!;f the arno1.mt deters 

· m.i.ned in Paragraph (I) abbve 

by the n1.m::ib~r of clays frpm 

the ln&talfation of . improvements to l:tll9 expir.!tlQn of th~ 

lease,. · 

Jf your leal;ll:l contains. a renew.al option, th~ 1:txpiratiot1 

of tt)e renewal option p1rlo!I 

will reprace the explr~tion of 

the lease in this procedure, 

(cl Nothing, if others pay fonepa1r$ 

or replacement 

OH ''Valuable Papers anq R~corrls" at 

the cost of r(}storation or replaces. 

ment. To the extent that the contents of the ''"valuable papers and records" 

are n.ot restored or replaced, the 

"valuable paper~ arid records'' Will be 

valued at the cost of replacement 

·with blank mat~dai of subst<'lntlaHy 

id¢htical fype. 

(9) "Stock" you have. sold buLnot delivered at the selling price less discounts and expenses you otherwise 

would have had, 

(10} Prop~rty in transit (other than ''1:;tock" 

y()u have eiold) ,anhe amgunt of in,. 

v9ice, im~.ludlng your prepaid or advanced freight cha.rges and ptber 

charges which may rove acctued or 

become legally due rre>rn you since 

the. shipmen(.: If you have n~ invoice, 

aGtuar c.a.s.h value will apply, 

{11J "M(W'.!y" at its face value: 

{12) ''Securities~ afth~ir value at me clo~e 

of bu$itl~ss on 1he day the 10$S is dis-

.covered. 

(t:J) Accm:mts Recei11al:Jle as follows: 

(a} If you ca.onot ac¢1,1ra1ely e$fabUsh 

· the amount of Accounts Receivable. outstanding ~s of the time (}f 

loss, we will: · 

(1) Determine the tOf,iiJ of the average monthly amounts of 

Accounts Receivable: for the 

12 months immediately pre~ 

ceding the mo.nth in which 

the lo$ occurs; and 

(it}• Adjl.lst that total for any normal fluctuations in ·· the 

amount for Accounts Receiv· 

able for ·th~ . month In ~hich. 

the loss occurred or for any 

demonstrated variance from 

the average for that month, . 

(b). If you can accurately .establish 

the amount of Accounts Rec:eiv" 

able outstrmdlr\g, that amount will 

be used io tne. determination of 

loss. 

{c) l;t)e following will be deducted 

· frorn the total amount of Accounts 

Receivable, however th>;!f am1:1t1nt 

is astatilish~d: 

{i) 'The amount of the accounts 

forw11ich thef~ i,yas·no IQss; 

Page: 30 of 39 Copyright, T~e TraV(:l!li!f$ Indemnity Company, 2004 MP no202 os 

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Case: 1:17-cv-00669-TSB Doc #: 1-1 Filed: 10/06/17 Page: 57 of 74 PAGEID #: 61
(U) The amount of the accounts 

that you are able to ree$tablish or·collect; 

(iii} An amount to a!I01iv for prob~ 

able bad debts that you are 

normally unable lo collect; 

.and 

(iv) All unearned lnteroot end 

service charges. 

(14)·"EleQ{ronlc Data .Processing Equipment" at replfl(}emant cost ~s qf the 

time.and place·of lo$s, without ded1,1~-

tion for physical dete.r!orntlon, d~pre'"' 

elation; obsolescence or depletion, 

However, in the event replacement or 

"Ef ectronic Data Processing Equip;.: 

ment" with identical property Is im--

po~ible, the replacement cosf will be 

th~ co:;it .of items that are similar to 

the dl:lmagea or destroyed equipmerit 

and intende~ to perform the .same 

function. but which may fn¢1ud~ tj9ch'" 

oological advances. 

~1:::1ectronic. Data Processing Equfpc, 

rnetit" that is obsolete or no longer 

i.Js/:ld by you wrn be valued at actual 

cash value. 

(15) "Electronic Data Proces.<ilng Data and 

· Media" for which, duplicates do not 

exist will be valued as follows: 

(~) The cost ofblank media; and 

{~) Your cost to rese<:lrch, replace or 

restore the lost electronic data on 

lost, damaged or destroyed 

"Ele.clronic Data Processing Data 

and Medfa". but only if the lost 

electronic data is actually replaced onesforBd. · 

(16) Ouplicate "Electronic Data Process· 

· Ing Data and Medl.a" at the cost of: 

(a) Blankmadla; and 

(b} Ll:!horto copy the.~lectr-oniP data, 

but only if the electroni9 data is 

actually copied. 

{17) 'The value of United Stat~s Govern- . ment rnternal Revenue taxes and 

custom duties and rafunqable state 

and local taxE:Js paid or fully deJ~rJnin~d cm th~ following property herd 

for sale will not b$ considered Jn deSUSINESSOWNERS 

tetmkiiryg the valwe of Covered Property: 

{al Distilled spirfts~ 

{b) Wlnes; 

(c) Rectifiedproducts; or 

(d) Beer; 

(18) Lottery tickets at their initial cost to 

You except for Winning Upkets .at thedr 

redf;lt'!me.d value. 

t Qur ·pc1yme.ht for loss· of or damage to 

personafprpperty pf .Othets· wi!I only l:Je tor 

the account of th¢ owners of th~ ~rop~rty. 

W~ may adjqst Tosse$ witti the owners of 

10$t or darnaged property, if ot~er ttian 

you; If we pay the ~·me~, suctl pgyment"? will satisfy your dai.ms against us 

for the owners' property. We wm not pay 

the owners more than their financial in .. 

terest in the Covered Property. 

g. We have the light but not the duty to defend you against suits arising ft'6m claims 

of ownen:1 df prope.rty, We Will do so at 

our exper.$e~ · · 

h, We Will pay for epvered lpas or damage 

within 30 d.i:1:Vs after we receive the sWQm 

proof or joss provided you h~ve complied 

wlth all of the terms ohhis policy; and 

(1) We have .reached agreernen:t wflh 

you on the. amoμrit of kiss; -0r 

(~) An appralsal.awardJ1as pe,en made. 

i, At our optionf we may make a partlal 

payment toward ahy eta.Im, subject to. the 

policy prqvlstoris and our normal adjust~ 

merit process, To be considered tor par~ 

tial claim payment, you must su.bmit a 

partial sworn proof of f os$ with $1.!PPcirtiog 

documentation .• Any ~pplicabla policy dfi~ 

duc,tibfes rouit b~ ~atimied before any 

partta/ paymemts afil • f'l'la.d~. 

5. LoH Payment ..., Busloei1.,s lnc,:;ome, and Ex:~ 

tra l:xpense 

a. Tn.e ?mount ofBt1slness Jncome loss wifl 

be determined bai;ed on; 

(1) n,e Net lncome of the. business pefore the direct physlcar loss bt clamag~ o~curred; · 

(2) The likely Net Income. of the business 

if ng physfeq.l loss or damage ocotJrred, bi;it not including any likely increase in Net .income atlributable to 

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I 

I 

' Case: 1:17-cv-00669-TSB Doc #: 1-1 Filed: 10/06/17 Page: 58 of 74 PAGEID #: 62
BUSINESSOWNERS 

an increase: f n the volume of.business. 

as a result of favorable business 

.conditions caused by the Impact of 

the Covered Cause of loss ot) c:us;., 

tomersor on other businesses; 

{)) The operating expen$es, including 

payroll expenses> . riecessa1y to re~ 

sume ~operatiQns" with tll~ !lame 

ql.lanty of serv.ice that existed. justbefote the direct physlnal. loss or dam-

~ge; am:t · 

(4) othenelevant sources of lnform~tton, 

· inch.lding: 

(a) Your .ifnanclal records and an-

. counting procedures; 

{b) Bills, invokes and other vouch" 

era;and 

(c) Deeds, liens or c011tracts, 

b. The amount of Extra Expen~ewui be deten:tilned basec/ art 

(1) All .reasonable arid OJ:l!cessaiy expense& that exceed the i'IOITTlaf OpE;Jr~ 

atihg f!Xj'.l8n'S8S that would ha\1'8 beEln 

incurred by "operatioQit (iur/ng the 

"period of restoration" if rio direot · 

physical Joss qr damage h..ad . occurred, We wtli deductfrom the totai 

of such expen13~: . · · · · · .· · · 

(a) The salvage v~h.ta th.at tema!ns 

ot any property bought for temporary use during the ,;period of fe$-

toration", once ~operations~ an,; 

resumed; and 

(b} Any Extra E)<pens:e that is p~id 

for by other ins1.1rance, exc-eptJor 

insurance that is vVtitten supJe.:;t 

to the same plan, tenns, condi-. 

tions and provisions as this 111-

surance; an<:1 · 

(2) All re<iisonable af'Kl neca,s:s1;1ry «:1X'-

penses that redlJ(;a the Busln!'iJSS .In~ 

come toss that o~herwlse would have 

been ineurred, 

c:. We wl.U red4~ tbe amquritofyour: 

(1) Business Income lo$S, other than Ex .. 

tr~ Expen$e, to th~ extent yoq . c:an 

~sume your "opef?ltions;', in whole or 

i.n. part. by using damaged or undam~ 

aged property (including ~stock") ~t 

the described premises or elsewhere; 

Of 

(2) Eirth!',i f xper'!se loss to the extent you 

can retum "operatlons" tp normal and 

discontinu~ s.uch Extra E:x:peos~. 

d. If you do Mt resum~ ·''operations». or do 

not resume "opera:tion~•i ~. quickly as 

pc:issi):)le, we :wili pay ba$ed on the length 

of time it would have taken to r8$ume 

~operat1orns" as quickly .as p6s$lbl~i. · 

e, We will pay for covered loss or dam';lge 

WithJn 30 df,ly$ . after we, receive your 

sworn p:root·.ot.!o~ ptqvided you: have 

cornplled with.all of the 1t¥rns of this ppl~ 

icy; and 

{1) We have raach~d agre~rnent with 

YO\.! on the ao:iount.ofloss; or 

(2) An apprals~r awerd has been made, 

6, R.~cover~d Property 

If either you or we re.cover any :property after 

foss settlement, thatparty must give the other 

promptriotice,Atyouroptlori, youmay retain 

the property, EM than you must return to us. 

the amount we p~id to yoLJ for the propeny. 

W'f! Will pay the recovery expeiosei:; and the 

expa:nses to repalr the rec9vered property, 

s1,,1J.ije~ to the applicable Lirnltof ln:stirarice, 

7, tl9ncuroi.ll"'tJve Limit 

No Limit of Jnsur.ance c(.irT)ulates from policy 

period to policy p.ertod. · 

F. COMMERCIAL PROPERTY CONDITION$ 

1.. Coocei:dment, Misrepresentation or Fraud 

This .Coverage Fonn is void In any case of 

fraud by you, It is also void if you orany other 

insured, at any time, intentionally conceal or 

misrepreserit a material fact concerning: 

a; This Covera9e Form; 

b; The Covered Property;. 

c .. Your interest in the Covered Property; or 

d. A claim un.der this Coverage Form, 

2. Conti:ol ~f Property 

Any ai::t. or neglect of any person ot11E1rtMn 

you b~}'O!Jd you.t direction or control wili not 

affect: this insur:artce. 

1h~ breach of any cond1Uot1 of tfiis Coverage 

Form at any ol'!EI or rnore premlsei:; will not af~ 

feet coverage ~t any premises Where, J,1.tthe 

time of lo~ or damage, the brec:19h of condition does no~ exist 

Page32 of39 Copyright, TheTravelars Indemnity Company, 2004 MPT102 02 05 

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Case: 1:17-cv-00669-TSB Doc #: 1-1 Filed: 10/06/17 Page: 59 of 74 PAGEID #: 63
3, ln$urance Under Two or More Coverc;1ges 

If two .or more wverages under this coverage 

Form apply to the same loss of damage, we. 

wm no:t pay .more th.an the actual amount Of 

the loss ot damage, 

4. Leg.,.IA.ction Agatnsf Us: 

No one may bring a iegal action against us 

under this Coverage Form llnless: . 

a, 'rher~ has ~e~n ftll! compliance With au of 

the terms of this· Coverage Forro; and 

b. The action l;s brought wl.thin 2 year$ ;;iJter 

the date onwhic;h thli! <lire~t physical los$ 

or damage occorr&d. 

s. liberalization 

1.r·we ;3dopt any revii;;Jon tt1~t Would broaden 

the cov~rage u11der thls coverage Form Wlth- . out addiU<;mal premium Within 45 · dayi3 prior to 

or during tne policy perfod, th.a broaden~d 

coverage wlll immediately apply to this Coverage Form. 

6. No 8eneflUo Sallee 

No person or organization, other than you, 

havlng custody of Covered Property wll 

benefit ft<itn this insurance, 

7. Other Insurance 

a. You may have other insurance subject to 

the same plan; terms, conditions and pro;. 

vish:;ms as the insurance ut'ldar this Cov ... 

arage Form. If you do, we will pay our 

share of the covered 10$s or damage. Oi.Jr 

$han,J. i!ii tne proportipli that tha applicable 

Unift of Insurance under this Coverag~ 

Form bears iQ. the llmits of Insurance of 

all Insurance covering on the same basis, 

b. If there Is other insurance cov~nng the 

same loss or damage, other thanthaf described in Paragraph a. above, we will 

pay only for the a.mount of covered loss 

dt dam~ge in excess .of the amount due 

fron'i that other insurance, whEiJ,hev· you 

can collect on it qr not. Butwe wlli not pay 

more tb.an the .applicable Umlt of Insur~ 

ance:i 

B, Poll~y P~riod, Coverage Territory 

Und~rtflis to~rageForm: 

a. We ~over _loss pr damage you sustain 

through <li::1$ committi;!d or event$ octurrlng: 

{1) D!..oing the policy p~rioct showri b th;} 

Dech;m~tions; ~f)d 

BUSINESSOWNERS 

(2) Wfthlo the coverage territory; and 

b. Th8 cover~ge territory is: 

(1J TheUni~M States of America. (including Its territor.fe$ and possessions); 

(2) Puerto Rico; and 

{3}. Canada, 

9; Transfer of Rigl:lts of Recovery Against 

Others to Ut, 

If any person or organization to or for Woom 

v.;e ·ma.ke p~yment 4nder this Coverage F.on:n 

has rights to recover damages.from a:rn:rther, 

~hose dgf'l!s are tt;:1nsferred to us to th~ extent· 

of our paym~nt Thal person or organization 

mtJsl dp everything necessary to isecu.re our 

rights and mtistdo nothingafter loss to impair 

them. But you may waive younfghts 1:mainst 

another party in writing: 

a. Prior lo a loss to your Covered Property 

or Covered Income; or 

b. After a .loss to your Covered Property or 

Covered Income only if, at time of loS!J:, 

that party is one of the following: 

(1) Someone insurec:t ~y ttiis insμmnc:e: 

(2) A bus.Jness firm: 

(1;1) Qvvned orcolitrtifled PY you; -or 

{b) Th.gt owns or contrpl s you; or 

(3) Yourtel'iant 

Thls will notresfrictyourlnsurance. 

to~ Coinsurance 

lh Coinsurance· percentage is .shown in tre 

Declarations; the following condition applies, 

.a; We wlrl not pay t11.e full-amount of any 

loss if tha value of Covered Property at 

thetimeoflossmutt1plied by ~e Coinsur~ 

ance percentage shown for it_in the Declarations is greater than the Umit Qf Insurance :forttle property. 

Instead, we wm determhe the most we 

w\11 pay using the foilowing steps: · · 

(1) MuJUply the vaiu~ of Cpvered Property ~t the time of loss QY th~ Goinsura nee percentage: 

(2} D1v1de the Li.mil of li')$ur'a:nce pf the 

property by the figure determined iri 

step (1); ·· 

{3) Multiply the total amount of the cov- . ered loss, before the application of 

MPT1020205 Gopyrtght, The Travelers Indemnity Company, 2004 Page33 of39 

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BUSINESSOWNERS 

any deductible; by the figure determined in step (2); and 

(4) S.t1btract the.deductible from the 119~ 

·. ure determined hi step (3). 

·we will pay the arnourit detem1ined in 

step (4) or the Jirnlf of lnsur.,ince, which,. 

ever I$ !es$ .. 

For the remainder, you will lilither have to 

fely on qther insurance or absorb the.·toss 

yourself. 

Example No., 1 (Under insurariceJi 

When: 

The value of the property is $.250,00Q 

The Coinsurance percent mrius 90% 

the· limit of ln$t1rance. for 

it.is $112JiOO 

The Deductible ,s .$250 

Theamo1.mtofloss is $40,000 

Step (1): $250,QOO x 90% = $225,ooo 

(th~ mirilmQrn amount of lnst1r~r1c~ to 

meet your C:oinsu~.nce .requirements) 

Step (2); $112,500/$225,000 =,.50 

Step .(3): $40,000 x ,50 = $ZO,OOO 

Step (4); $20;000 M $250 == $1.9.750 

We will pay no more than $19;750. The 

remaininf! $20,250 Is not covered. 

Example No. 2 (Adeqvate Insurance): 

When: 

Th~ valtJe of the prop~tty lS: $250;000 

The Coinsurance percerlt.age 

for ll is 90%. 

The Limit of !nsurancedbr 

It Is $225;,000 

The Deductible ls $250 

1hE1 aniclUnt ofloss rs $40;ooo 

The mJri!mum amount of insurance to 

meet your Coinsurance requirement is 

$22Si000 ($250,000 x90%). 

Therefore, the Umtt qf Jns\J1-apCf:l in this 

Exampfe ls adequate ;;ir\d no p~n.alty applles. We will pay n9 mpre t~i;'ln $39:,750 

($40,000 e1roount of loss min!JS !he deductil:lle of $260), 

b. Coinsurance does not apply to: 

{1) "M<mey"and "securities''; 

(2) Additlon.aJ Coverages; 

(3) Cove.racye Extensions; or 

(4) Loss or damage in any one occur-

. rence totaling less than.$2,500, 

11, MortgageboJders 

a. the term, mort~g$ol<;Jer. includes tru$-

tee. 

b, We will pay for covered loss ofor darnaae 

to buildings or struqtures to a.ach mort.-

gagehol<Jer shown in the Declarations Jn 

their order Qf precedence, as interests 

may•appear. 

c. The mortgageholder has th& r(ght to reoolve loss payment even if the mortgageholder has started foreclqsure or simHar 

action on the.building or structure. 

d. If we deny your claim because of yput 

acts or because you have. failed to comply with the terms of this Coverage Fom\ 

tha mortgageholder will still have the right 

to receive- loss payment tf the martgaga~ · 

holder: · · 

(1) Pays any premium due under this 

Coverage,Form at our request if you 

have failed to do so; 

{2) Submits a .~!gned, sworn proqf o1 fqss 

within 60 days after re<;eivjng notice 

from us of YQUrfailure to do. so; and 

($) Has notified us of any c;harige in 

· ownership or OGCupancy or substark 

tial cnang~ in risk known to the mort~ 

gagehol~~r;. 

Alf of the terms 9f.this Coverage Form will 

then apply cllrectly to the toQrtgagetiolder. 

e, If we pay the rnort:g~eho!der fqf any (oos 

or dan:ti:lge and deny payment to you b~M 

~qse. of yoat ac;t:s i:ir .because you have 

failetj to oorr,p!y with 1he terms of this 

Coverage Form: 

(1) The mattgageholqar's rigtts . under 

. the motl.gage WH! be transferred to us 

to the extent of the amount We pay; ~d .. 

(2) The mortgageholder's rights to recover tlle full amount of the mart .. 

gageho!der's tlaim wm not be im~ 

paire.d •.. 

At our option, we rnay pay to the 

mortgageholder the whole principal 

on the mortgage plus any accrued in~ 

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Case: 1:17-cv-00669-TSB Doc #: 1-1 Filed: 10/06/17 Page: 61 of 74 PAGEID #: 65
terest In this evertt, your mortgage 

and note wlll be transferred to us and 

you will. pay your remaining mortgage 

debttous, 

f. lfwe ca11cel this poliqy, we will give written rmtice to. tt.e mortgag~holder aueast: 

(1) 10 days befQre tna effective date of 

· cancellation if we cancel for your non~ 

payrmmt of premium; pr 

(2) 3(} days before the effective date of 

cancellation ifwe canoe! for any other 

reason, 

g. If we electnotlo t!!lnew th I$ policy, we will 

give written noUce to the rnortgageho!def 

at least 10 ~ay$ t;;efo~ the expiration 

date of{hi$ polit:;y, 

G; PROPERTY DEFiNITIONS: 

1. "Ba'1kirig Premises" means the lnterlor -0f 

that portion of i:iny buill;!ing which ii;; ot;cupieo 

by a banking institution or similar safe (f~posi~ 

tory, 

2, .. a~ak<h>Wn,; 

a_. Means: 

(1.) Failure of pressure or vacuum eqtiip,-

ment . 

(2) Meehanlcal failure, 1nctuding l'l;.lpt~re. 

or bursting c:~used by centrifugal force;or · · 

(:J) Electrical failure lricluqfng arclng; 

that causes physical damage to "coverei;i 

equfpment" ano necessitates its. repair or 

replacem~nt; and 

t,. Does not mean: 

(1J Malfunction, including but not limited 

· · to adjostrnerit1 alignment; calibration, 

cleaning or modifipation; 

(2} Leakage at any valve1 fitting, shaft 

seal, gland packing; Joint or conoec~ 

tion; 

{3} Damege to any vacuum tube, gas 

tube, or f:ltu~J 

(4) Damage to any structure or .foundation supporting the -:coveted equipment" orany.ofits parts; 

(5) The functioning .of any safety or pro-

. tactl:ve: device; or · · 

l3US!NES$0WNERS 

(6) The cracking of any pari on any in~ 

temal. combustion gas tur.bine ex· 

posed to th.a products: ofcombUs1lqn, 

3. "Communication Sllpply Servi~s" 

a. Means property $Upplying tommi.lnlcatiqri 

s~tvices, intjud1ng telephone, radio, tnr~ 

crowave or te!evi.$lon. silrvh;:es, tp the . d.escribed prf!rnises, suGh as: 

(1) C.ommunication transmission lines, 

fricluding fiber optic transmission 

lines; . 

(2} Coaxial cables;.and 

GU Micro~va ra.dlo relays, .except satellites; and · 

b, Does not mean overhead trnnsrnlssion 

lines. 

4, "Covered e·quipment" 

a. Means the following types :of ~lliprnenf: 

(1} equipment designed and bi.Jilt tq op, 

· erate under intetnal pressμre or vacuum otherthan welghtofcontents; 

(2) Eiectlical or tnechanicml equipment 

that is used in the gen~ration, trans,-

mission or utiliia:tion or energy; 

(3) Fiber .optic cable; and 

(4} Hoists and cran;e~; 

b. Does. not m:ean any: . 

(1} "Electronti:; Data Processing Eqidpment"; 

.(~) "Electronic Data Processing Data and . Media": 

(3) Part .of pressure or va~-uurn. equJP:. 

ment thijt is not under· ii1ternal pres,. 

sure of its co.ntents or if!ternal. vacuum: 

(4) ipsulatin9 or r~fractory ml:lterial; 

(5) Pressure vessels and piping that are . butied ~low ground and require: the 

excavation of materials to · inspect, 

remove, .repairor replace; 

(6) Structure, foundation, cabinet or compartment supporting or containing the 

"covered equipment" or part of the 

Mcoveted: equipment'' including penstocl< draft tube or wen casing; 

·{7) Vehicle,. alrcraft, self~propellsd equipment or floating vessef, i~cluding any 

I\IIPT10202 05 Copyright! the Travelers Indemnity Company, 2004 Page ~5df $9 

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Case: 1:17-cv-00669-TSB Doc #: 1-1 Filed: 10/06/17 Page: 62 of 74 PAGEID #: 66
BUS.lNESSOWNERS 

eqlllproentmounted oo or used solely 

with any vehicle. aircraft, self~ 

propelled ijquiprnent or floating ves,. 

sel; 

(a) Elevator or escaf.ator, but not exclu.d;. 

ing any electrical l'nachine or apper~ .. 

tus mounted on or used with this 

equipment; or · · · · ·· · ·· 

(9) E:qufpment or any p.;irt of i;;Uch .eqi,lipmerit r:nam.1fact1,1recl by Yl'>ll fof sale:: 

5, "Di;:i~nostie Eqμipment" means any: 

a. EqLiipment; or 

b. Apparatus; 

us9d solely for researph, dli:!gnosuc, . madlcal, 

surgical, therapeupq, dental or paillofogica! 

purposes, 

6,. ''El~.ctronlc Data Pl"O~ssin9 Oata and Me .. dia" · 

a. Means· any of the fuUowi11g used in. your 

computer operations: · 

(t) Data. stored l'!!S or on, created or used 

on:, cir tra.niHni!:ted io ot. from com"' 

puter soflware (lrii;;fuging system$ 

and aμpllcatfons) Ori electronic dc1ta 

processing, recording or storage media such as hard or floppy di$ks, CDRQMS. fupQs, drives, cells, date! 

processing devtces or any c:ither repqsltories of computer software which 

ara used With electroniceHy.controlled 

equipment; 

(2) The electronic media on Whlch. the · data is stored; and 

(3) Programming records and instrucUo11s used for "Electronic Data Proce$slng Equipment'';· and 

b. Do~s not mean "Valuable Papers and 

Reco.rdsf'. 

7. ''Electronic Di!lta Processing Equipment" 

a, Means any of the following equipment 

used in your operations: 

(1} Electronic data processfrig e.quipr:nent, facsimile machines. word processors, mutMuncUonal telephone 

equipment and laptop and portable 

computers; and 

m Any corllpohent p1;1rts aru:I, peripheral$ 

of such equipment; lncluding related 

surge prptectiqn d~vices:; ~nd 

b.. Does. not mean equipment useti to operate production. type of: 

{1) Machinery; or 

{:2) Equipment 

6, ''Ele«.tronio Vandalism•• means any acts by 

persons, other than "employees", invo!viog 

any qfthe following: · 

a. Willful ot malicious des.truction. c;.f compl/ter pr:ograrns, content, 1n~tru¢tions or 

other electronic or digital data stored 

Wlthln computer syst~ms; or 

b. Ur:tc'JU.thcirized colTlpu\er CC>(:le or prog.r:amril f ng that: 

(1) Deletes, distorts, corrupts or manipu~ 

lates romputer programs, contents, 

instructions ot bther electt6o!c or digital data~ or otherwise results ln dam~ 

age to computers or compoter sys,.. 

terns or networks to Which. is lntto- duce4; · · · · · · · ·· 

{2.) Replicates itself, Impairing the per~ 

formance of computers o.t computer 

systems or netwQrks;.or 

{3} Gains remote control acC'..ess to data 

and programming withln compulets 

or computers systems or networks to 

which lf is introduced, for uses other 

than those Intended 'for authorized 

users .of the computers or ·computer 

systems or nelwcirl:::s. 

9. "En,ployee(s)" 

a. Means; 

(1) Any natural person; 

(a) \'VhUe rn your service (and for $0 

day$ after termination of$ervic~); 

(b) Whom you con,Pi!nsate directly 

by salaiy. wages or oommisskins; and ~ · 

(c) Whom you have the rfgf'it to di~ct 

and control whlle performing services for you; 

(2) hly Mtural person employed l)y an 

eroployrnent con~:ctor w!iile that 

person Is subJ~ct to your dlrectiori 

ancl con.trol and peefqqning servfges 

for you excluding, however, any sl}ch 

person while. having care and custody 

afproperty outside the premises; or 

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Case: 1:17-cv-00669-TSB Doc #: 1-1 Filed: 10/06/17 Page: 63 of 74 PAGEID #: 67
(3} Your directors or trustees whH~ acutig 

·· · as a member of any of your elected 

pr appointed comm\1:taes to perform 

on your behalf specific, as d1$.tinguished from general, diroctorlal · act$; 

and 

b, Does not :mean any agent, brok~r, person 

leased to you by a tabor leasih9 firm, fai;:-

tor, cornmissloo merchant, consignee, .itidependent contractor or representative of 

the same general character, 

·10. ''Employee Dishonesty" means only dis~ 

honest acts, committed b.y an "employeeP, 

Whether identified or not, actlng alone or .In 

collusion· with other persons; excepi you, a 

partner. a "member", or a "manager" with the 

manifest intent to: · 

ij. Causey6u to sustain loss; and also 

b.. Obtain· financial benefit (other Uian sa.la,; 

ries, commissions, fees, bonuses,.promo,-

.tfons. awards, profit sharing, pensions or 

other employee benefits earned in the 

.ttorrnal course.qf employment) fot: 

{1) The "employee"; or 

{2) Any parson or organization intended 

by the "employee" to receive that 

benefit: 

11. "Fine. Arts." 

a, Means paintings, etchings, pk:tures, tap~ 

estries, art. glass windows, valuable rugs, 

statuary, marbles,. bronzes, ar'ttique furniture, rare books, antique $liver, porcelains, rare glass, bric-a-brac, and shnilar 

pro~rtY with. histdric.:aJ value, or artistic 

meriti:lhd 

b, Doe~ not rnean any gla,$ lh.;1t is part of a 

buflding or structure, 

12. "Forgery .. means the $igning bf thfi narrtE;1 ot 

~nether perscm or organizaijOil with intent 19 

deceive, ''forg·ery" d~s not mean a signature 

which consi~t~ in whole or .in part of 011a·~ 

own name signed with or without auth9rlty, In 

any capacltyforany purpose. 

13. "Jnterior of any buildlna or s~ructl1re'' 

means all portions of ttie building or structure 

that are within the exterior facing surface material of the buildlng or structure. 

14. ''Maintenance Fees" means :the regular 

payment made to you by unit'-Owners and 

used to service the common property. 

aUSlNESSOWNERS 

15. ,;l\'l;,triager" means a person serving in a dl~ 

rectorlal capacity for a Umlted liabUity comP?lhy, 

16, "IY!~mb'lt'mean:san ownerofa li.mited llabllity company represented t>y its rnemoershlp 

interest, · who also rn~y s1;:rvice as a "mana~er'', 

17. ''Ntoney" means currt,mcy and coins in current use,·bank note,s, travelers cliecks,.regi~:-

~r cl;lec!{s and money orders held for sale to 

the pub!ic. 

Ht "0P"1rafipn$'' means your btisiness actlvlUe,s 

occurring atthe desqrlbed Pre.mi$~$ and the 

te11antability qf th$ dasctib~ premises. 

1$. ''Period of Hestorath;.'lo'' 

a. Mean~ tt:,e period of time that: 

{1) Begii:'i!Si: 

(l) F6r ausihe$ Income. coverage: 

a} With lhe date oi' direct physf.. 

cal. Joss or damage, lf the 

Deciamtioris show lrnmedi~ 

ately for Period of Re$trira:c 

Uon-Time .Perfo~t er 

b) 72 hours after the time of direct physie&l loss or damagiJ, 

if the Deciaratlons show 72 

hours for Period of Res1ora .. 

tion-TimePeriod; or 

(ii) For E~ra Expense coverage·wltfi 

11:Je date of direct physical lpss Qr 

tjamage; 

c;::iu®d l:!y onesulling from any Co\r· 

ered Cause of Loss at the describeq 

preltii$es; and 

(2) Ends on tbe.earUer of; 

(i) The date when the properl}t at 

the desCf'ibed premises should be 

tepaired, rebuilt or replaced with 

re\asohable speed and similar 

quality; or · 

(i!) The ,date when business is re~ 

·· slimed at a new petmanent.Joc:a~ 

tlon; ana 

b.. Ooe:s notmean <my increased period requif1;ki due tothe enforcement of any taw 

that 

(1} Regulates the construction, use or 

· repair •. or requites thetearfng down of 

arw property; or 

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B0$iNESSOWNER$· 

{2) Requires. ahy intmred or.ottiers to test · for; monitor. t:l.ean up, retnove., contain. ire;:1t. qj:;ltchdfy or heμtraHze, or in 

aijy llilflYf&spo11d to. or a&;;.es:$ jhi;i e.ff~cts of ,;pollutahts1

'. 

The explra:tkm date of tb,s policy witl nofcl.it 

short th!:i ''p$riod ofresroratjon". 

20 .. "Pollutants" rneaM any s.olld, Jiq1,1ld, gaseous or thermal irritant <:ff oo,jtamloant. lnclU<:Jlng smoke, v~por, soot, fume1:;, acids, alkalis, 

cl'ler:nicafs, waste, and any lsirihealt!iful or 

hazafrlo~ bt.Jlldhjg i:naJelials {including but 

not lirnltec! lp a$pestos and !~ad pro(jt..M;ts or 

material$ v0ntainjng le~d) .. Wa$te in~h,i;de~ 

mateMal~ to be recycled; reconditlor:,e~ or re~ 

darrned, 

21, "PowerGe11er-atlng Equipment" 

a. Means the follo~ing types of eqofpment 

or apJiarottJs: 

(1) Pressur1;;; 

(2) Mechanical; ot' 

(3) Elecnfoal; 

used in or associated with ihe geryeratlon ofelectrlc powtir; and · · · · · · 

b. Does not me~~ . such .equipmerit that ls 

used solelyto .generate emergency power 

thatis less than orequal to 1000Kw. 

22. ''Power Supp~y Services" 

a. Means the following types of proparty 

supplying electricity; steam or gas to the. 

described premises: 

(1) UttUty generating p!;an,~; 

(2) Switc;hing $tations; 

{3J Substations; 

(4} Transformer:s: and 

(5) Trahsrnissioollnes; and 

t,. D.~s not meari overhead tran1:arnlssl9n 

noes. 

23. ''.Production Equlpl'{leot" 

a. Moans any;· 

{1} Production machrnery; or 

(2} prqcess rn:acninery; 

thatproc;esses, shapes, forms or grfnds: 

(1) Raw materials.; 

{2} Materiats io prC>Cess; or 

(~) Fink1tmc! products; and 

b. Includes "covered eqtifpment" that is 

used solely with or forms an integral part 

of the, 

(1) Production; 

(2) Process; or 

(3) Appat.i.tus. 

24< "Rerital·Valije" mean~ Business Income that 

consists of: 

a. Netlnco.rrte (Nat Profit or Loss before in~ 

come . lax~) that Would have been 

earned Of 1n:curred. as rental lncQme from 

t~nant occupancy of the premise$, de~ 

· scribed in the Declarations as fllrhi:shed 

arid equipped by· you, · inclGding th.e (air 

rental value of any porlk>n of the. desnribed premises which ls occupied by 

you; and 

b. Continuing normal operating expenses 

incurred in connectionv.'ith that premises, 

iodudin9: 

(1) Payroll; and 

(2) The l;lmo4ntof charges which are the 

legal obligatiori of the t~nant{s) but 

would otheiw.ise ~ your obllgauon~, 

25; "Secμrltie~"' ,:neans af! negcitiabll=l and non~ 

negotiabte ins~ruments or CQntracts repre, 

senting either ''money" or other property and. 

Includes revenue or other stamps in CtJrref\t 

use, tokens, tickets and credit card slips for 

sales made by you and held by you for reimbursement. from tompanfes issuing credit 

cards; but does not include "money", Lottery 

tfck~ts heklfor sale Sf:i3 not seour.ities~ 

26 ... Spedfl~ Causes of Loss" means .the folkW11i11g: 

Fire; ~9htning; e~plosion; Windstorm or nail; 

smoke; aircraft ot vehicles;. riot or civil com~ 

rr:iotioh; vandalism; le,:1kage frdro fire extihguishing equlptnent; :slrikhole co[l~pse; voltt:\nic actio.11; falling objects; ·weight· of snow, 

ice or sleet; water d~mage. 

a. ~inkhol~ collapse means tlie sudden 

sinking or CP!lapse of land loto under~ 

grounq empty sp<.19es createtj by the actio11 of water on iim!;}stone ot doJomjte. 

Ttils cause of foss does not 1ni:;h..1d!:!: 

{1) The cost cit fillJng :sinkholes; ot 

(2) Sinking or collapse of land Into imdergt.ound .m~n-made c;avities, 

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1', Falling objects Qoes not in~tude loss of or 

damagefo: 

(1) Personal Property in the open; or 

{2) The i'ihter)pt of ~ buifd{ng ot str41> 

ture", or property lnsfoe a bQfl(ji_ng or 

stnJctwe, unl~$i, the roof or an outsfde \1\1'.all of thij QLJllding or stnJciure is 

t11"$t drJ:tnage<l by fil fallh;1g object, 

C; W~ter damage rneans ac;;cldentar discharge or leakage of water or steam as 

the direct result of the bree~fr1.g ~PElrt or 

craddng .of any pa~ <>f a system or appl/~ 

~nee fotnertha11 a sump systero·includlng 

its related equipment and parts) that is lo~ 

cated .on the described premises and 

contains water or steam. 

27. "$.tock'' means merchandfse held in.storage 

or for sale, raw matetlals and in:process or 

fini$hed goods, lncludlng supplies used in 

thelrpaddng or stiippb1g. · 

is. "SU$pension" meens: 

i!I. The partial or complete cessation of your 

businei;.s activWes; f.lr 

b, That.~ pl\lrt or all of the descn'be:d premises lg rendered untenanl!:lbl& .. 

29, ''Th&ft'' means any act of~teiiUog. 

30, "Vacant'.' means th.~ following: 

(1) When this poUc)' Is Issued fo a tehaht, 

· and. with ·respect to· that tenant's inter~st 

in Covered PrQp1:H:lY,. buHdlng means the 

unit or suite rented or leased to the ten ... 

8USINESSOWNERS 

ant Such building is vacant when it does 

not contain enough. busfrwss personal 

property to conduct customary opera~ 

tfons. 

(2) When this poltcy is issued to the owner or 

· general lessee of a building, building 

mt:ians the entire building. such building 

is vac~nt unle:ss at least 51% of tts total 

squar~ footage is: 

(a) Rented to aJessee or sub'-fessee and 

· used bY the lessee or sub-fessee. to 

conduct its custorn~ry operations; or 

{b) Used by the building owner to conductcustomary operations. · 

31. "Vah..1able Papers and Records" 

a, Means inscribed. printed or written; 

{1J Doc~ments; 

(2) Mahtiscript!ll; or 

(3) Records; 

including abstracts, books; deeds, draw0 

ings, film~; maps or mortgages; and 

b. Does not mean ~money" or "securities~ or 

"Electronic Data Processing Data and 

MediEt. . . 

32. "Water Supply Services" means the follow· 

ing types of ~roperty supplying waier to the 

describe!'.f premises: 

ij, P~rnpihg stations: atid 

b.. water mains~. 

MP T1 02 02 05 Copyright,. The Travelers Indemnity Company, 2004 Page 39of39 

E-FILED 09/01/2017 02:48 PM / CONFIRMATION 654417 / A 1704612 / COMMON PLEAS DIVISION / IFOJ 

Case: 1:17-cv-00669-TSB Doc #: 1-1 Filed: 10/06/17 Page: 66 of 74 PAGEID #: 70
BUSINESSOV\INERS 

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFUJ,..LY. 

AMENDATORY PROVl'SIONS 

CONDOM.INIUM ASSOCIATION COVERAGE 

Thls em:lorsem~.nt·modffi~s insurance provided undiar the following: 

SUSlNESSOWNERS COVERAGE PART 

A. The BUSfNESS0WN£RS PROPERTY COVERAGE SPECIAL.FORM ls chf!nged asfollows: 

1. ParagraphA 1.a. is replaced by fhe following; 

a. Building, meanlng the: building or structure describedJn the Declarations., ihclud~ 

Ing: 

(1) Completed additlons: 

(2) Fences; 

(S) Fixtures, gut.side of lndivfclual units, 

Including outdoor fixtures; 

(4) Retaining walls, whe(hl3r or 11ot at~ 

tached; · 

(5) r:'ermanently atlaclled; 

{a) Machinery; an(i 

(b} l:.qujpo,ent; 

(6} Per:\,onal propeyty owned by you that 

is used to maintain or service the 

buildf ng Of . structure Ot it$ premise$; 

'including: 

(a) Fire extinguishing equipment; 

(b) Qutdoor fumitore; 

M Lobby Md hal!Wayfumishings; 

(d} Ffoor, wall and ceUh:ig cavoongs: 

(e) Appliances :used for rE,frigeratlng, 

ventilating, coo:l<lng, i;il$hwashbig 

or l~ndering, ttiat at¢ not con'." 

tairted within indiVidua.lll11its; 

(f) Lawn maintenance or snow re~ 

moval equipment; . . 

{g) Per$onal property used for maln-

. tain_ing and servk1ng of pqols iEind 

· other recreati1111a1 faciliUE=!$ on tne 

premises; and 

(h) Alarm systems; 

{7) Outtjoot swimming poois, l:iS$OCi~ted 

structures and app1.1rten~rit s.titich,lres 

c1nq equiPrnent,.including pumps; 

OH If not covered hyott:ier insuranc.e~ 

(a) Additions under construction, alteration.!i: and repairs to ttie build· 

ing orstructur~; end 

(b) Materials, equipment,. svpplies 

and. temporary ~itr\ictureij, on qr 

within· 1 ;000 feet of the. described 

premlses, used for making additions, alterations or repairs to the 

building or structure; and 

(9) Any of the following types of property 

cohtained withiri a unit, regardless of 

ownership, if yotir Condominium Association Agroomelit requires you to 

!Mure. it: 

{a) FfxJi:.tfl3S; improveme:nts and ar~ · terl:ltjohs that are part of the 

building or structure; and 

(b) Appiiaoce$, such· as those use.d 

for refrigerating, ventllatil')g, coot<~ 

ing, dh~hwc1shing, laund.~rlng, s~ 

·curlty o.r housekeep:lng. 

But Building tloei; tls:it lnc!.ude per$Onai 

property owned by, used by qr in the 

care; ,cu$fody or control of a unit-owner 

except for per~ona! property list~d · in 

Paragraph (9) above. 

2. Paragraph A.1.b. is replaced by the foUowjng: 

b. Busln~s Perso11al Property !ocatl:id in 

oron the buildings de;sctlbed in the bee~ 

laralions or ln the open {or ih a vehicle) 

Wlthln 1,000 feet of the described pram~ 

fses,. incllidirig; 

(1} Properi,y owned by you or owned 

· JndlvisiblY by all unit;owners; 

{2.} Your interest.in the labor, materials or 

services furnished. or .arranged by you 

on per$0l1iil propeJ::ty of others; · · 

.{3) Property pf others that is in youroare, 

cus~ady· or control; and 

(4) "Money".and ~securftles';. 

MPT1 03 02 05 .Copyright, The Ttavelers Indemnity Company, 2004 Page 1 of 2 

Includes copyrighted mat~dal of Insurance Services Office, .hie,. with Us permission. 

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I 

I 

Case: 1:17-cv-00669-TSB Doc #: 1-1 Filed: 10/06/17 Page: 67 of 74 PAGEID #: 71
eustNESSOWNE.RS 

8usiness Persooal Property does not in~ 

elude p~rsohal property owned only by a 

un.it-owner, unless it ls In. Yout care, cus, 

tody or control as qovenid in Paragraph: 

{3).above. 

3. The following is ;:idded to Paragraph E.:: 

a. Unit-Owner's lllstiraoce • 

A 4n1t,-0wner m~y ha~ othet inswrahce 

covering the same property as this insur~ 

ance. This insurance is intended to be 

primary: and not to contrJbt1te, with such other insurance. .. . . . . . 

b. tnsunmce Tru!lltee 

If you name an inst1ran~ true:tt:ie, We WIU 

adjust losses with you, but wewill p~y.the 

insurance trustee. If we pay 11le tru~tee, 

the payments will satisfy your claims 

against us., 

4. The following is added to Paragraph F .9.: 

.a. Waiver of Rights .of Recovery 

We waive our rights .to recover payment 

fr6rn any unit~owner of the condominium 

that is shdwn in the Declarations, except 

for fossesthat~r~ payable under the Employi:le. Dishpnesty or For:gery or Alteration Additional Coverag~sB. The COMMERCIAL GENERAL LIABIUTY COVM 

ERAGS FORM is changed$ follows: . 

1. Tha following is added to SECTION ll..., WHO 

IS AN INSURED: . . . . . 

a. Each lndivldual .unit-owner of the insured 

cohdotninium; but only for liability arising 

out of 1ha ownership, m<:iflitenance or repair of that poi:tkM of the premises whioh 

fs not reserved for that unit-owners exqlusive use or occup~hcy, 

Page 2Qf 2 Copyright, TM Travelers Indemnity Cornpany, 2004 MP T1 03 02 05 

Includes c;cipyrighted matarial of Insurance Services Offlce,Jnc., with its permission, 

E-FILED 09/01/2017 02:48 PM / CONFIRMATION 654417 / A 1704612 / COMMON PLEAS DIVISION / IFOJ 

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Case: 1:17-cv-00669-TSB Doc #: 1-1 Filed: 10/06/17 Page: 68 of 74 PAGEID #: 72
p.()UCY NlJM$ER: 6BQ-U555425-15-U 

BUSlNESSOWNERS 

ISSUE PA~: 03/ll/2015 

THIS ENDORSEMENT CHANGES THE POLIC.Y. PLEASE ~.EAD ITCAREFULLY. 

SEWER OR DRAIN BACK UP EXTENSION 

This endcirse.ment mod[fies insurance provided under the following:. 

BUSINE:SSOWNERS PROPERTY COVERAGE SPECIAL FORM 

SCHEDULE 

Limit of Insurance $ 25000 

Ttie following is added t9 Paragraph A, 7. Coverage: 

Extensions·: · 

Wat~i' or $ewage Satl<. Up .11'.ld Sump Overflow 

(1) When the Declarations show that you have cov, 

erage for Buildin~ or Business. Personal Property, 

you may extend that insurance to apply lo direct 

physical loss of or damage to Owered Property 

at the des<:ribeti: premises c:aused by 9r testJJting 

fti>m wilter- or. sewa,ge thatbatks up or .overflows 

frorn a sewer, drain or sump. 

(2) When the Declarations· show that you have cov~ 

erage -for Susiness Income and i;;x.tra Expense; 

you rnr;1y also exte.rid that insurance to apply to 

t.~ ~c;tucll ross of BμsinEl~S lricome you sustai11 

and re~s9r.i~bl.¢ anq n~cessary Extra Expense 

you ipcur causeq .b,, or resulting f.rorn wat~r or 

sewage tha_t bl:!cks vp or overf)oW$ fl;orn ~ s¢wer, 

drafn or sump, 

{3) Paragraph a~ 1.g.(3) does not apply to this cover~ 

age Extension. · 

(4) Themosl wewil! payunder thls Coverage Exten~ 

sion ln any one occurrence at each described 

premises is the Uinft of lnsur.:ince shown fn the 

.Schedule above. 

Page1 oft 

E-FILED 09/01/2017 02:48 PM / CONFIRMATION 654417 I A 1704612 / COMMON PLEAS DIVISION / IFOJ 

Case: 1:17-cv-00669-TSB Doc #: 1-1 Filed: 10/06/17 Page: 69 of 74 PAGEID #: 73
THlS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. 

TERRORISM RISK 

INSURANCE ACT OF 2002 DISCLOSURE 

Thisendors~mentmodffies insurahoo provided under the'following: 

BUSINESSOWNERS COVERAGE PART 

On December .26, 2007, the P~$lden( of the Unileti 

States signed into law am.endme.rtts to the Terrorism 

~isk Insurance Act of 2002 (the "Act"}, which, &mong 

other thingsi extend the Act ~nd ex:paod Its sq::,pa. 

the Act establishes a program und~r Which :tl1.~ 

F~deral Government may partially reimburse . ''In~ 

so.red Losses~ (as defined lri the Ai:rt} cau~.d by »<;lets 

of terrorism": An "act of terrorism"' is denned In 

Section 102(1) of the Aot to mean any act tt)at is 

certified by the Secretary of the Treasury - in 

coocuu~nce wit!, the Secre~ry . pf State and fbe 

Atto!1.leY G~oet.:l'I of th1:1 Ui'ilted $fates - to ~ ao act 

of terrorism;. to _be a viol$ril act ot an acHhat is 

Qangerqus to _tJum~n l(fe:, property, pr infrastructure; 

to have f~$1.!f{ed tn dan:il.'lge wi_thin the United States, 

o.r 9u:tslde toe Un:iftid Stci~ in the ~~e ~fcertaln air 

c.arrle,s or vessijl~ or the prerrii~es of·a United States 

Misl3lon; .~nd .to. hav~ !Yeen: committed by an individ· 

ual or lndivid'ua{s a~ part of al'.l effort to coerqe lhe 

dvilian p9pula,tio11 of the United ~late$ .or to 11:lffuence 

the policy .qr affect thE:! contiuct of lht; United Sti='!les 

Gov~mmerit by coercfQn, 

The federal government's share of corripensaUon for 

ln$Vred LO$SE*> i~ 85% of the ~mount of lhs.ur.ed 

Deslanated Cities are: 

Albuaueraue NM El Paso TX 

Atll=lrita. GA FortWorth. TX 

· Austin TX Fresno cA 

Sattimore MD Honolulu. HI 

Boston. MA ... Houston TX 

Charlotte NC lndlananolis IN 

Chtca<lo. IL Jacksonville FL 

Cleveland OH. Kansas {;:tty. MO 

Colorado Sr:inncs. CO Las Veaas NV 

Columbus oH Lona Beach CA 

Dallas. TX Los Anoele.s CA 

Denver; CO Memohis TN .. 

Delroii Ml .Me.:.1::tAZ 

~PT3 250108 

Lqss:es in exces$ of each Insurer's stati.itofily establf$hed tiedWqtible, subject to ttte "Prc>gram Trigger'', 

(l:ls defined in the A-ct}. 111 no ~veot, however, will tne 

federal goverrunent .or any lrtsui'$r be required to pay 

<;l!lY portion of the ambμrit bf aggregate Insure.cl 

Los:r.8$ occurring in any one y¢ar that exdieds 

$1 DO,OOQ,000,QOO, provided tnat such lnsl.lrer has 

met its deductit.ite. If 1:1ggregate Insured Lesses 

exceed $100,000,000.000 in any qna year, your 

cO\leragernay thefefore be. red1Ji;¢d. · 

The. charge for Insured losses under this Coverage 

Part ls included in the Coverage Part premium. The 

charge that has been Included for this· Coverage Part 

is indicated below, arn:1 doe.s: not include. any charge 

for the portion of losses. covered by the Federal 

Govetnmeht underthe Act: · 

" 4% of your totat \:lusio&$SQWoers Qoveragl/'l Part 

premium if your prlrr:iary locati()n is in a. D~slgnated Caty (as listed below). 

.. 2% of your total Bus,nessowners: c,warage Part 

premlum if your primary location is .!lQ! in a Des· 

fgnatad City (~s listed below). · 

Miami FL $an Dieao CA 

Milwaukee Wl Sari .Antonio TX 

Mfritleanol!s MN Ssin Fraricisco. GA 

Nashville-Davidson iN San Jose CA 

New Orleans r A SAattle WA 

New York NY · ~t. Louis MO 

Oakland. CA Tucson Al. 

Oklahoma Citv. OK .. Tulsa. OK .... 

Omah~,NE ··-- Virainia Beach VA 

Ptlilad~lnhia PA Washinaton f)~ 

Phoenix AZ Wichita KS 

Portland. OR 

Sacramento CA 

Page1 of 1 

E-FILED 09/01/2017 02:48 PM / CONFIRMATION 654417 / A 1704612 / COMMON PLEAS DIVISION / IFOJ 

Case: 1:17-cv-00669-TSB Doc #: 1-1 Filed: 10/06/17 Page: 70 of 74 PAGEID #: 74
TRAVELERdr' 

T"raWlet'$ Casualty Insurance Company Of Ame:rita 

Po am, 50473 · Indianapolis. IN 46250-047:} 

Tall llmbenr Cou~nium· A$$QCiation 11916 Wtndisdt Rd 

West Che~r oH 4Soo 

Insured: 

-elaim,sffum®.rf 

Policy Nuniben 

O~te of Loss: 

LO$$ L0<;a.th,n: 

Dear Mrs. Wirtley. 

Tall Timbets CQndomin!i.m Assoc1;1,on 

';£;~(!&4-:9 

l am following up on our recent conversatiqn abotrt •he damage to your pt9pelfy~ I ha'& prwideti 

a summary of your payment calcuratton be!Qw~. . 

Pleas~ review the estimate. provided, Shciti.l~ you or YQllf contracttir have questions about any 

portion Qf the ~timilte. please corrt~tme before beginning any repairs.. · 

Acttia{ Cash ValL1e: , Minus Deductible: · 

Minus PriorP~ents: 

Payment; 

$11.012.87 

-$3.312.~ . ~$0 

$7,700.19 . 

-thooo.oo 

$6;100.1~ 

Your·esumatehidudes depreciation. Depredatloo·isthetoss.of vafQeti-$tOi:cursovertime due 

to mciors such as age. wear and teat. andpbsolesce~. Ur1der mqst Jnsurance polide~ tlai.m 

settlement begins wlth an up-front paym~ fof U:le $Ctllat t~h valt.e of your dama,ge, or the 

vatoe of the damaged or destroyed lt.eto(s} at the time of the loss; For additional explanation and 

examples of ho_w ~ialion wort<s. pl~evisi~ the dairri section at www.trave1¢rs,c!2ID and 

S®tch for "Und~nding ~redclt.ion;.. ~, . 

Your iriitlal paymetttls based on ~ actual ai!lh ~ue Qf your ittmlS. Y9U may receiveadditionat 

payment(s) once you repair and/or replace the damaged :iteJT\S and provide us wilh 

documentatklo (!,e •• fnvGices or caoce.Jed cheqcs), Please man~. email or fax those documents to. 

me when lhey ar~ :available. As st:\tecl tn yo!JJ policy. you -m need to notify Travelers within 180 

days with your int\mt to recover .tire. dt::predatkJn; Also, It may be ne<:essatyfor us to review your 

cqmpleted repairs prior to releasing dle adcitional payment for recoverable depredation, 

Jf you foave any questions, pr~ai;e contaq me at (5131691~58 or STORBECK@liaveters.com, 

E-FILED 09/01/2017 02:48 PM / CONFIRMATION 654417 / A 1704612 / COMMON PLEAS DIVISION / IFOJ 

--

-

-

Case: 1:17-cv-00669-TSB Doc #: 1-1 Filed: 10/06/17 Page: 71 of 74 PAGEID #: 75
Scott Torbeck 

Claim Professional 

Direct; (513)692-8458 

Office: {800)~210 Ext. 692--8458 

Fa){: (877)3894689 

trn~il,.STQRBECK@travelers.com 

E-FILED 09/01/2017 02:48 PM / CONFIRMATION 654417 / A 1704612 / COMMON PLEAS DIVISION / IFOJ 

Case: 1:17-cv-00669-TSB Doc #: 1-1 Filed: 10/06/17 Page: 72 of 74 PAGEID #: 76
,\FTAb PUREVAL. 

1000 MAINS 

CINCINNATI 

COMMON Pl 

A 1704612 D 1 

7194 51b8 6310 0835 9b06 

09/05/2017 SUMMONS & COMPLAINT 

TRAVELERS CASUAL TY INSURANCE 

COMPANY OF AMERICA 

ONE TOWER SQUARE 

HARTFORD CT 06183 

01 

0 

C"l 

co : 0 

:o 

~~1-· Q .(") • 1,· •' t~ ~ 

Case: 1:17-cv-00669-TSB Doc #: 1-1 Filed: 10/06/17 Page: 73 of 74 PAGEID #: 77
Laver, Chelsea 

From: 

Sent: 

To: 

Cc: 

Subject: 

Attachments: 

Delgado,Wilma <WDELGAD1@travelers.com > 

Friday, September 08, 2017 12:38 PM 

TravelersSOP 

Service-of-Process-Coordinator 

Travelers Direct 9/8/17 

Sally Wadhams v. Trav Prop Cas Ins Co(s).pdf; Collision Repair Specialist Inc(ns).pdf; Tall 

Timbers v. Travelers Cas Inc Co(s).pdf 

Case: 1:17-cv-00669-TSB Doc #: 1-1 Filed: 10/06/17 Page: 74 of 74 PAGEID #: 78