Business Owner s Policy Broadening Endorsements

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1 Hanover Small Commercial Business Owner s Policy Broadening Endorsements Most businesses like yours need important insurance protection that is often limited or excluded from the standard Business Owner s Policy (BOP). The Hanover s BOP Broadening Endorsements (Special, Deluxe, Deluxe Bronze, Silver, Gold, and Platinum) provide extended and expanded coverage on top of your current Business Owner Policy up to 60 important coverages that will give you peace of mind knowing you re well protected. The good news is these Hanover endorsements cost a fraction of what it would cost your business to purchase these important coverages separately. Review the chart below to determine which BOP Broadening Endorsement is right for your business. BOP Endorsement Options: Accounts Receivable On Accounts Receivable Off Advertising to Regain Customers Appurtenant Structures Back up of Sewers and Drains and Sumps (Form ) (Form ) (Form ) (Form ) (Form ) $50,000 of $150,000 $50,000 of $150,000 (Form ) of of (Form ) of of $2,500 $2,500 $2,500 Included Included Included Brands & Labels Included Included Included Included Included Included Broad Form Water Damage BUSINESS OWNER S FORM () $100,000 continued

2 HANOVER SMALL COMMERCIAL from Dependent Properties & Extra Websites Seasonal Increase Temporarily in portable storage units Civil Authority 72 hr $100,000 $100,000 $100,000 $100,000 $100, months / 7 days $50,000 / 7 days $50,000 / 7 days $50,000 / 7 days 25% 25% 25% 25% 25% 25% 25% 4 Weeks, 72 hr Collapse Included Included Included Included Included Included Included Commercial Tools & Small Extra Undamaged Hardware & Software & Funds Transfer Fraud Consequential Loss to Stock Contingent Transit Business Income & Extra $35,000 $35,000 $35,000 $35,000 $150,000 $5,000 $5,000 $5,000 Included Included Included Included Included $100,000 $100,000 $100,000 $100,000 $100,000 Contract Penalties Debris Removal Deferred Payments Denial of Access to Electronic Vandalism Employee Theft including ERISA compliance Breakdown Breakdown Data Restoration Expediting s aggregate aggregate aggregate aggregate aggregate $50,000

3 Fungi, Wet Rot or Dry Rot Breakdown Hazardous Substances Off Public Relations Spoilage Expediting s Extended $15,000 $15,000 $15,000 $15,000 $15,000 $15,000 $15, days 30 days 30 days 90 days 90 days 90 days 90 days Extra 12 Months 12 Months 12 Months 12 Months 12 Months 12 Months 12 Months Fine Arts $40,000 $50,000 $50,000 $50,000 $50,000 Fire Department Service Charge Fire Protection Recharge Forgery or Alteration Included Included Included $50,000 $50,000 $50,000 $50,000 $50,000 Glass s Included Included Included Included Included Included Included Hired Auto Physical Damage $50,000 $50,000 $50,000 $50,000 $50,000 Installation International Air Shipments Interruption of Operations Inventory & Loss Appraisal Key & Lock Repair Leasehold Interest Tenants Only Lessor s Lease Cancellation Lessor s Tenant Move s ed Coverage for Fungi, Wet Rot, or Dry Rot Marring & Scratching Money & Securities Off Money & Securities On Money Orders & Counterfeit Money $5,000 personal property limit $15,000 $50,000 $1,000 $1,000 $1,000 $2,500 $2,500 $2,500 $5,000 /60 days /60 days /60 days Included Included Included Included Included Included $5,000 $5,000 $5,000 $5,000 $5,000 $5,000 $5, days 180 days 180 days 180 days 180 days 180 days 180 days

4 Building Ordinance or Law Loss to Undamaged Portion of Building Law Demolition /Increased of Construction Law Increased Period of Restoration Law Tenants Improvements Extension $1,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000 $500,000 $500,000 $500,000 $500,000 $500,000 $500,000 $500,000 $500,000 $500,000 $500,000 $500,000 $5,000 $5,000 $5,000 $50,000 Outdoor Outdoor Any 1 Tree, Shrub, or Plant $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 Paved Surfaces Personal Effects $50,000 $75,000 in Transit Off Of Others Pollutant Clean Up & Removal Portable Electronic Device Worldwide Precious Metal & Jewelry Theft Preservation of of Others in Care, Custody, or Control Rewards Arson, Theft & Vandalism Sales Representative Samples $20,000 $50,000 $50,000 $50,000 $50,000 $50,000 $150,000 / cost / cost / cost $50,000 $50,000 $50,000 $50, days 90 days 90 days /90 days /90 days /90 days /90 days Included Included Included Included Included Included; Additional coverage provided in of $5,000 $5,000 property limit as replacement cost; Additional coverage provided in of

5 Soft Spoilage $5,000 Temporary Re of Tenant Building Coverage- Required by Lease Tenant Business Coverage Required by Lease Tenant Signs Tenants Only Theft of Telephonic Services Transit Business Income & Extra Unauthorized Business Credit Card Use Underground Pipes Underground Water Seepage Utility Services Utility Services Direct Damage Valuable Papers & Records On Valuable Papers & Records Off Water Damage, Other Liquids, Powder or Molten Material Damage Worldwide Off $50,000 $50,000 $50,000 $5,000 $20,000 $20,000 $20,000 $20,000 $20,000 $100,000 $50,000 $50,000 $50,000 $50,000 $5,000 $5,000 $5,000 $5,000 $5,000 Building Building Building Building Building Building Building $100,000 $100,000 $100,000 $100,000 $5,000 $50,000 $50,000 $50,000 $50,000 $20,000 $45,000 $50,000 $50,000 $50,000 $50,000 Why The Hanover? The Hanover is a leading property and casualty insurance company dedicated to achieving world-class performance. Our commitment is to deliver the products, services, and technology offered by the best national companies with the responsiveness, market focus, and local decision making of the best regional companies. This powerful combination has been a proven success since our founding in 1852, and all insurance company subsidiaries are rated A (Excellent) by A.M. Best Company. The Hanover Insurance Company 440 Lincoln Street, Worcester, MA hanover.com All products are underwritten by The Hanover Insurance Company or one of its insurance company subsidiaries or affiliates ( The Hanover ). Coverage may not be available in all jurisdictions and is subject to the company underwriting guidelines and the issued policy. This material is provided for informational purposes only and does not provide any coverage. For more information about The Hanover visit our website at The Hanover Insurance Group. All Rights Reserved A (10/16) LC