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EMPLOYERS MUTUAL CASUALTY COMPANYWALKER SIMPSON INC (APOLICY NO: 5W5-26-07---18TRANSACTION: RENEWAL-01PRIOR POL: 5W5-26-07TRANSACTION INFORMATION----------------------POLICY TERM: 08/27/2017 TO 08/27/2018ACCOUNT NAME: WALKER SIMPSON INCACCOUNT MAILING STATE: CAFINANCING: NSIC: 7538ACCOUNT ORIGINAL EFF DATE: 08/27/2016ACCOUNT FEIN:POLICY ID: AGTRANS DATE: 08/27/2017CO/BR/AGENT: A/J/0720PROGRAM:BILLING METHOD: D (CDB)PROFIT SHARE: YTYPE OF POLICY: N/ACOMMISSION: 15.0%TRANS -------ACCOUNT DOMICILE STATE: ----------------------------DATE OF ISSUE: 06/15/17BOPBPP(BPP)05/26/17006IM5W526071801

BUSINESSOWNERSBP 00 03 07 13BUSINESSOWNERS COVERAGE FORMVarious provisions in this policy restrict coverage.Read the entire policy carefully to determine rights,duties and what is and is not covered.Throughout this Coverage Form, the words "you" and"your" refer to the Named Insured shown in theDeclarations. The words "we", "us" and "our" refer tothe company providing this insurance.In Section II – Liability, the word "insured" means anyperson or organization qualifying as such underParagraph C. Who Is An Insured.Other words and phrases that appear in quotationmarks have special meaning. Refer to Paragraph H.Property Definitions in Section I – Property andParagraph F. Liability And Medical ExpensesDefinitions in Section II – Liability.SECTION I – PROPERTYA. CoverageWe will pay for direct physical loss of or damage toCovered Property at the premises described in theDeclarations caused by or resulting from anyCovered Cause of Loss.1. Covered PropertyCovered Property includes Buildings asdescribed under Paragraph a. below, BusinessPersonal Property as described underParagraph b. below, or both, depending onwhether a Limit Of Insurance is shown in theDeclarations for that type of property.Regardless of whether coverage is shown inthe Declarations for Buildings, BusinessPersonal Property, or both, there is nocoverage for property described underParagraph 2. Property Not Covered.a. Buildings, meaning the buildings andstructures at the premises described in theDeclarations, including:(1) Completed additions;(2) Fixtures, including outdoor fixtures;(3) Permanently installed:(a) Machinery; and(b) Equipment;(4) Your personal property in apartments,rooms or common areas furnished byyou as landlord;BP 00 03 07 13(5) Personal property owned by you that isused to maintain or service the buildingsor structures or the premises, including:(a)(b)(c)(d)Fire extinguishing equipment;Outdoor furniture;Floor coverings; andAppliances used for refrigerating,ventilating, cooking, dishwashing orlaundering;(6) If not covered by other insurance:(a) Additionsunderconstruction,alterations and repairs to thebuildings or structures;(b) Materials, equipment, supplies andtemporary structures, on or within100 feet of the described premises,usedformakingadditions,alterations or repairs to the buildingsor structures.b. Business Personal Property located in or onthe buildings or structures at the describedpremises or in the open (or in a vehicle)within 100 feet of the buildings or structuresor within 100 feet of the premises describedin the Declarations, whichever distance isgreater, including:(1) Property you own that is used in yourbusiness;(2) Property of others that is in your care,custody or control, except as otherwiseprovided in Loss Payment Property LossCondition Paragraph E.5.d.(3)(b);(3) betterments are fixtures, alterations,installations or additions:(a) Made a part of the building orstructure you occupy but do not own;and(b) You acquired or made at yourexpense but cannot legally remove;(4) Leased personal property which youhave a contractual responsibility toinsure, unless otherwise provided forunder Paragraph 1.b.(2); and Insurance Services Office, Inc., 2012Page 1 of 53

(5) Exterior building glass, if you are atenant and no Limit Of Insurance isshown in the Declarations for Buildingproperty. The glass must be owned byyou or in your care, custody or control.2. Property Not CoveredCovered Property does not include:a. Aircraft, automobiles, motortrucks and othervehiclessubjecttomotorvehicleregistration;i. "Electronic data", except as provided underAdditional Coverages – Electronic Data.This Paragraph i. does not apply to your"stock" of prepackaged software or to"electronic data" which is integrated in andoperates or controls the building's elevator,lighting, heating, ventilation, air conditioningor security system; orj. Animals, unless owned by others andboarded by you, or if owned by you, only as"stock" while inside of buildings.b. "Money" or "securities" except as providedin the:(1) MoneyAndSecuritiesOptionalCoverage; or(2) EmployeeDishonestyOptionalCoverage;3. Covered Causes Of LossDirect physical loss unless the loss is excludedor limited under Section I – Property.4. Limitationsa. We will not pay for loss of or damage to:(1) Steam boilers, steam pipes, steamengines or steam turbines caused by orresulting from any condition or eventinside such equipment. But we will payfor loss of or damage to such equipmentcaused by or resulting from an explosionof gases or fuel within the furnace of anyfired vessel or within the flues orpassages through which the gases ofcombustion pass.(2) Hot water boilers or other water heatingequipment caused by or resulting fromany condition or event inside suchboilers or equipment, other than anexplosion.(3) Property that is missing, where the onlyevidence of the loss or damage is ashortage disclosed on taking inventory,or other instances where there is nophysical evidence to show whathappened to the property. This limitationdoes not apply to the Optional Coveragefor Money and Securities.c. Contraband, or property in the course ofillegal transportation or trade;d. Land (including land on which the propertyis located), water, growing crops or lawns(other than lawns which are part of avegetated roof);e. Outdoor fences, radio or televisionantennas (including satellite dishes) andtheir lead-in wiring, masts or towers, signs(other than signs attached to buildings),trees, shrubs or plants (other than trees,shrubs or plants which are part of avegetated roof), all except as provided inthe:(1) Outdoor Property Coverage Extension;or(2) Outdoor Signs Optional Coverage;f. Watercraft (including motors, equipmentand accessories) while afloat;g. Accounts, bills, food stamps, otherevidences of debt, accounts receivable or"valuable papers and records"; except asotherwise provided in this policy;h. "Computer(s)" which are permanentlyinstalled or designed to be permanentlyinstalled in any aircraft, watercraft,motortruck or other vehicle subject to motorvehicle registration. This paragraph doesnot apply to "computer(s)" while held as"stock";Page 2 of 53(4) Property that has been transferred to aperson or to a place outside thedescribed premises on the basis ofunauthorized instructions.(5) The interior of any building or structure,or to personal property in the building orstructure, caused by or resulting fromrain, snow, sleet, ice, sand or dust,whether driven by wind or not, unless:(a) The building or structure firstsustains damage by a CoveredCause of Loss to its roof or wallsthrough which the rain, snow, sleet,ice, sand or dust enters; or Insurance Services Office, Inc., 2012BP 00 03 07 13

(b) The loss or damage is caused by orresults from thawing of snow, sleetor ice on the building or structure.(6) Lawns, trees, shrubs or plants which arepart of a vegetated roof, caused by orresulting from:(a) Dampness or dryness of atmosphereor of soil supporting the vegetation;(b) Changes in or extremes oftemperature;(c) Disease;(d) Frost or hail; or(e) Rain, snow, ice or sleet.b. We will not pay for loss of or damage to thefollowing types of property unless causedby the "specified causes of loss" or buildingglass breakage:(1) Animals, and then only if they are killedor their destruction is made necessary.(2) Fragile articles such as glassware,statuary,marble,chinawareandporcelain, if broken. This restriction doesnot apply to:(a) Glass that is part of the exterior orinterior of a building or structure;(b) Containers of property held for sale;or(c) Photographic or scientific instrumentlenses.c. For loss or damage by theft, the followingtypes of property are covered only up to thelimits shown (unless a higher Limit OfInsurance is shown in the Declarations):(1) 2,500 for furs, fur garments andgarments trimmed with fur.(2) 2,500 for jewelry, watches, watchmovements, jewels, pearls, preciousand semiprecious stones, bullion, gold,silver, platinum and other preciousalloys or metals. This limit does notapply to jewelry and watches worth 100 or less per item.(3) 2,500 for patterns, dies, molds andforms.BP 00 03 07 135. Additional Coveragesa. Debris Removal(1) Subject to Paragraphs (2), (3) and (4),we will pay your expense to removedebris of Covered Property and otherdebris that is on the described premises,when such debris is caused by orresults from a Covered Cause of Lossthat occurs during the policy period. Theexpenses will be paid only if they arereported to us in writing within 180 daysof the date of direct physical loss ordamage.(2) Debris Removal does not apply to coststo:(a) Remove debris of property of yoursthat is not insured under this policy,or property in your possession that isnot Covered Property;(b) Remove debris of property owned byor leased to the landlord of thebuilding where your describedpremises are located, unless youhave a contractual responsibility toinsure such property and it is insuredunder this policy;(c) Remove any property that isProperty Not Covered, includingproperty addressed under theOutdoorPropertyCoverageExtension;(d) Remove property of others of a typethat would not be Covered Propertyunder this policy;(e) Remove deposits of mud or earthfrom the grounds of the describedpremises;(f) Extract "pollutants" from land orwater; or(g) Remove, restore or replace pollutedland or water.(3) Subject to the exceptions in Paragraph(4), the following provisions apply:(a) The most that we will pay for thetotal of direct physical loss ordamageplusdebrisremovalexpense is the Limit of Insuranceapplicable to the Covered Propertythat has sustained loss or damage. Insurance Services Office, Inc., 2012Page 3 of 53

(b) Subject to Paragraph (3)(a) above,the amount we will pay for debrisremoval expense is limited to 25% ofthe sum of the deductible plus theamount that we pay for directphysical loss or damage to theCovered Property that has sustainedloss or damage. However, if noCovered Property has sustaineddirect physical loss or damage, themost we will pay for removal ofdebris of other property (if suchremoval is covered under thisAdditional Coverage) is 5,000 ateach location.(4) We will pay up to an additional 25,000for debris removal expense, for eachlocation, in any one occurrence ofphysical loss or damage to CoveredProperty, if one or both of the followingcircumstances apply:(a) The total of the actual debris removalexpense plus the amount we pay fordirect physical loss or damageexceeds the Limit of Insurance onthe Covered Property that hassustained loss or damage.(b) The actual debris removal expenseexceeds 25% of the sum of thedeductible plus the amount that wepay for direct physical loss ordamage to the Covered Property thathas sustained loss or damage.Therefore, if Paragraphs (4)(a) and/or(4)(b) apply, our total payment for directphysical loss or damage and debrisremoval expense may reach but willnever exceed the Limit of Insurance onthe Covered Property that has sustainedloss or damage, plus 25,000.(5) ExamplesExample 1Limit of Insurance 90,000Amount of Deductible 500Amount of Loss 50,000Amount of Loss Payable 49,500( 50,000 – 500)Debris Removal Expense 10,000Debris Removal ExpensePayable 10,000( 10,000 is 20% of 50,000)Page 4 of 53The debris removal expense is less than25% of the sum of the loss payable plusthe deductible. The sum of the losspayable and the debris removal expense( 49,500 10,000 59,500) is lessthan the Limit of Insurance. Therefore,the full amount of debris removalexpense is payable in accordance withthe terms of Paragraph (3).Example 2Limit of Insurance 90,000Amount of Deductible 500Amount of Loss 80,000Amount of Loss Payable 79,500( 80,000 – 500)Debris Removal Expense 40,000Debris Removal ExpensePayableBasic Amount 10,500Additional Amount 25,000The basic amount payable for debrisremoval expense under the terms ofParagraph (3) is calculated as follows: 80,000 ( 79,500 500) x .25 20,000; capped at 10,500. The capapplies because the sum of the losspayable ( 79,500) and the basic amountpayable for debris removal expense( 10,500) cannot exceed the Limit ofInsurance ( 90,000).The additional amount payable fordebris removal expense is provided inaccordance with the terms of Paragraph(4), because the debris removalexpense ( 40,000) exceeds 25% of theloss payable plus the deductible( 40,000 is 50% of 80,000), andbecause the sum of the loss payableand debris removal expense ( 79,500 40,000 119,500) would exceed theLimit of Insurance ( 90,000). Theadditional amount of covered debrisremoval expense is 25,000, themaximum payable under Paragraph (4).Thus, the total payable for debrisremoval expense in this example is 35,500; 4,500 of the debris removalexpense is not covered. Insurance Services Office, Inc., 2012BP 00 03 07 13

b. Preservation Of PropertyIf it is necessary to move Covered Propertyfrom the described premises to preserve itfrom loss or damage by a Covered Causeof Loss, we will pay for any direct physicalloss of or damage to that property:(1) While it is being moved or whiletemporarily stored at another location;and(2) Only if the loss or damage occurs within30 days after the property is first moved.c. Fire Department Service ChargeWhen the fire department is called to saveor protect Covered Property from aCovered Cause of Loss, we will pay up to 2,500 for service at each premisesdescribed in the Declarations, unless adifferent limit is shown in the Declarations.Such limit is the most we will payregardless of the number of responding firedepartments or fire units, and regardless ofthe number or type of services performed.This Additional Coverage applies to yourliability for fire department service charges:(1) Assumed by contract or agreement priorto loss; or(2) Required by local ordinance.d. CollapseThe coverage provided under thisAdditional Coverage – Collapse appliesonly to an abrupt collapse as described andlimited in Paragraphs d.(1) through d.(7).(1) For the purpose of this AdditionalCoverage – Collapse, abrupt collapsemeans an abrupt falling down or cavingin of a building or any part of a buildingwith the result that the building or part ofthe building cannot be occupied for itsintended purpose.(2) We will pay for direct physical loss ordamage to Covered Property, caused byabrupt collapse of a building or any partof a building that is insured under thispolicy or that contains Covered Propertyinsured under this policy, if suchcollapse is caused by one or more of thefollowing:(a) Building decay that is hidden fromview, unless the presence of suchdecay is known to an insured prior tocollapse;BP 00 03 07 13(b) Insect or vermin damage that ishidden from view, unless thepresence of such damage is knownto an insured prior to collapse;(c) Use of defective material or methodsin construction, remodeling orrenovation if the abrupt collapseoccurs during the course of theconstruction,remodelingorrenovation.(d) Use of defective material or methodsin construction, remodeling orrenovation if the abrupt collapseoccurs after the construction,remodelingorrenovationiscomplete, but only if the collapse iscaused in part by:(i) A cause of loss listed inParagraph (2)(a) or (2)(b);(ii) One or more of the "specifiedcauses of loss";(iii) Breakage of building glass;(iv) Weight of people or personalproperty; or(v) Weight of rain that collects on aroof.(3) This Additional Coverage – Collapsedoes not apply to:(a) A building or any part of a buildingthat is in danger of falling down orcaving in;(b) A part of a building that is standing,even if it has separated from anotherpart of the building; or(c) A building that is standing or any partof a building that is standing, even ifit shows evidence of cracking,bulging, sagging, bending, leaning,settling, shrinkage or expansion.(4) With respect to the following propert

Refer To SECTION II-LIABILITY in the Businessowners Coverage Form, the Following Schedule and Any Attached Endorsements. Limits of Insurance Liability and Medical Expenses (Each Occurrence) 1,000,000 Medical Expenses (Per Person) 5,000 . Auto Service Industry Extension See BP7340 Employee Tools - Per Occurrence 50,000 .