Opinion ID: 2807848
Heading Depth: 7
Heading Rank: 1

Heading: In the Causes of Loss-- Special

Text: Form: (i) Exclusions B.2.a, B.2.d.(6) and B.2.e. One of the referenced, now-inapplicable exclusions to Equipment Breakdown Coverage is Exclusion B.2.d.(6) -- the Mechanical Breakdown Exclusion. The Endorsement sets forth other, new exclusions to its specific Equipment Breakdown Coverage that are not found in the main body of the Policy. For example, things such as structures, foundations, insulating material, sprinkler piping, and sewer piping are not covered equipment. Also excluded is any damage caused by or resulting from Economy's failure to use all reasonable means to protect the 'perishable goods' from damage 6 The Equipment Breakdown Endorsement defines several terms used therein, including accident, covered equipment, and perishable goods. We don't need to worry about these definitions, though, because the parties do not dispute that Economy's freezers constituted covered equipment or that AJC suffered a loss of perishable goods as a result of an accident. -12- following an 'accident,' along with damage caused by or resulting from any defect, virus, loss of data or other situation within 'media.' Additionally, the Endorsement modifies some of the exclusions found in the Policy's main body by adding or subtracting language. This run-down is sufficient to get the lay of the land. Other relevant provisions will be identified and discussed as needed below.