This notice is provided as a courtesy to Attune's brokers and policyholders andcontains copyrighted material of Insurance Services Office, Inc. without anyamendments to the wording.This is a summary of the major changes to your policy. No coverage is providedby this summary nor can it be construed to replace any provisions of yourpolicy. You should read your policy and review your Declarations page forcomplete information on the coverages you are provided. If there is any conflictbetween the policy and this summary, THE PROVISIONS OF THIS POLICY SHALLPREVAIL.The areas within the policy that broaden or reduce coverage, and other changes,are highlighted below. This notice does not reference every editorial changemade in your policy.BUSINESSOWNERS COVERAGE FORM BP 00 03SECTION I – PROPERTY BROADENINGS OF COVERAGEBusiness Personal Property – Coverage RadiusThe Business Personal Property coverage grant is revised to extend coverage 100feet from the building or 100 feet from the described premises.Vegetated RoofsProperty Not Covered is revised to make an exception for lawns, trees, shrubsand plants which are part of a vegetated roof, thereby treating such property asan insured part of the building, so that an existing vegetated roof can bereplaced with like kind in the event of a loss, subject to policy terms andcertain limitations. Accordingly, lawns, trees, shrubs and plants which are partof a vegetated roof are no longer covered under the more limited OutdoorProperty Coverage Extension. The Limited Coverage For Fungi, Wet Rot Or Dry RotAdditional Coverage is revised to expressly state that the coverage does notapply to lawns, trees, shrubs or plants which are part of a vegetated roof.Electronic Data In Building EquipmentProperty Not Covered is revised to make an exception for electronic data whichis integrated in and operates or controls the building's elevator, lighting,heating, ventilation, air conditioning or security system. Such electronic datais now Covered Property and is subject to the policy's full limits of insurancefor a loss not otherwise excluded. The Electronic Data and Interruption OfComputer Operations Additional Coverages are revised to reinforce that coveragedoes not apply to such electronic data.Debris RemovalThe additional Limit of Insurance for debris removal expense, provided for underthe Debris Removal Additional Coverage, is increased from $10,000 to $25,000.Further, coverage for debris removal is expanded to include the expense ofremoving debris of certain property of others. The total expense for all debrisremoval is subject to the limitations stated in the policy concerning amount ofcoverage, including the aforementioned additional limit of insurance. However,when no Covered Property sustains direct physical loss or damage, coverage forthe removal of debris of others' property is limited to $5,000.The Outdoor Property Coverage Extension is revised to include debris removalexpense for trees, shrubs and plants that are the property of others, excepttrees, shrubs and plants owned by the landlord of an insured tenant.Related Change: Debris Removal Additional Insurance Endorsement BP 14 09 makesreference to the aforementioned $25,000 limit.Business Income Additional Coverage – Extended Business IncomeThe number of days' coverage under the Extended Business Income provision isincreased from 30 to 60 days.Business Income From Dependent Properties Additional Coverage – SecondaryDependent PropertiesCoverage is extended with respect to secondary dependent properties which arelimited to direct suppliers and recipients of the dependent property's materialsor services.Business Personal Property Temporarily In Portable Storage Units CoverageExtensionA Coverage Extension for Business Personal Property Temporarily In PortableStorage Units is introduced. Under this Coverage Extension, a 90-day coverageperiod is provided for Business Personal Property temporarily stored in aportable storage unit located within 100 feet of the described premises, subjectto a sub-limit of $10,000 regardless of the number of storage units.NOTE TO INSURER: Property in a storage unit is not explicitly addressed in thecurrent policy. Thus, the Coverage Extension generally represents a broadeningof coverage. However, if an insurer previously treated property in a storageunit as property in the open, this change might be construed as a limitation incoverage due to the sub-limit and terms of coverage.Dishonesty ExclusionThe Dishonesty Exclusion is revised to distinguish between those who have a rolein the insured's business (partners, managers, employees, etc.) and others towhom property may be entrusted (a category that includes tenants and bailees,for example). With respect to the latter category, the exclusion is narrowed toapply only to theft. Further, the exception to the exclusion (which enablescoverage for acts of destruction) is revised to extend applicability toauthorized representatives.Specified Causes Of Loss Property DefinitionCoverage for water damage under the definition of "specified causes of loss" isexpanded to include accidental discharge or leakage of water or waterbornematerial as the direct result of the breaking apart or cracking of certainoff-premises systems due to wear and tear.REDUCTION IN COVERAGELimitationsThe limitations which pertain to loss or damage to the interior of any buildingor structure caused by or resulting from rain, snow, sleet, ice, sand or dustare extended to apply to personal property in the building or structure.Newly Acquired Or Constructed Property Coverage ExtensionUnder the Newly Acquired Or Constructed Property Coverage Extension, theprovision which extends an additional limit of insurance to newly acquiredbusiness personal property at the described premises is removed. There is nochange to the coverage for newly acquired business personal property at newlyacquired locations or at newly constructed or acquired buildings at thedescribed location.Employee Dishonesty Optional CoverageAn exclusion is introduced to the Employee Dishonesty Optional Coverage toaddress acts of employees learned of by the insured prior to the policy period.OTHER CHANGESBusiness Personal PropertyThe Business Personal Property coverage grant is revised to make it explicitthat business personal property is covered when located in or on the buildingsor structures at the described premises.Covered Causes Of Loss – Risk Of LossThe term "risk of" is removed from the Covered Causes Of Loss provision.Fire Department Service Charge Additional CoverageThe Fire Department Service Charge Additional Coverage is revised to specifythat the amount of such coverage ($2,500 or a designated higher limit) appliesto each premises described in the Declarations. Further, the language of thecoverage provision is revised to make it explicit that the designated limitapplies regardless of the number of responders or the number or type of servicesperformed.Business Income And Extra Expense Additional Coverages – Coverage RadiusIn part, the coverage criteria for the Business Income and Extra ExpenseAdditional Coverages relate to loss or damage to personal property in the openor in a vehicle within a certain distance from the described premises. Thelanguage relating to the coverage radius is revised to achieve more similaritybetween the radius outlined for insureds who are occupants of the entirepremises and those who occupy only a part of the premises, and to useterminology similar to that used in the Business Personal Property coveragegrant.Ordinance Or Law ExclusionThe language of the Ordinance Or Law Exclusion, which relates to enforcement ofan ordinance or law, is revised to also refer to compliance with an ordinance orlaw.Similar references are revised in the Increased Cost Of Construction (ICC) andBusiness Income From Dependent Properties Additional Coverages, Loss PaymentCondition and the Period of Restoration definition. Further, the ICC AdditionalCoverage is revised to explicitly refer to compliance with the minimum standardsof an ordinance or law.Temporary Or Leased EmployeesThe Personal Effects Coverage Extension, the Dishonesty Exclusion and the MoneyAnd Securities Optional Coverage are revised to reinforce that employees includetemporary or leased employees.Business Income From Dependent Properties Additional CoverageThe Business Income From Dependent Properties Additional Coverage is revised toprovide coverage with respect to secondary dependent properties. Such propertiesare defined within this Additional Coverage.Additionally, the definition of dependent property excludes various utilityproviders; the list of utilities is updated to make reference to wastewaterremoval services. With respect to Business Income Coverage, loss caused byinterruption in utility service is addressed in Endorsement BP 04 57. Refer tothe item titled Utility Services – Time Element Endorsement BP 04 57.Earth Movement ExclusionThe Earth Movement Exclusion now makes explicit reference to earth movementcaused by an act of nature or otherwise caused. In addition, the term earthquakenow incorporates tremors and aftershocks.With respect to coverage for volcanic action (which is a limited exception tothe exclusion of volcanic eruption), all such eruptions that occur within any168-hour period constitute a single occurrence.Loss Payment Property Loss ConditionThe Loss Payment Property Loss Condition is editorially revised and anillustrative example is provided.--------------------------------------------------------------------------------SECTION II – LIABILITY BROADENINGS OF COVERAGELiquor Liability ExclusionThe Liquor Liability Exclusion is revised to provide that, for the purposes ofthe exclusion, permitting a person to bring alcoholic beverages for consumptionon an insured's premises (e.g., a "Bring Your Own"), whether or not a fee ischarged or a license is required for such activity, is not by itself consideredthe business of selling, serving or furnishing alcoholic beverages.NOTE TO INSURER: This change may be considered a broadening in coverage in thatit contains an express exception to the exclusion with respect to allowing aperson to bring alcoholic beverages for consumption on their premises.Electronic Data ExclusionAn exception to the Electronic Data Exclusion is introduced to provide that theexclusion does not apply to liability for damages because of bodily injury.REDUCTION IN COVERAGELiquor Liability ExclusionThe Liquor Liability Exclusion is revised to explicitly state that the LiquorLiability Exclusion applies even if the claims allege the negligence or otherwrongdoing in:• The supervision, hiring, employment, training or monitoring of others; or• Providing or failing to provide transportation with respect to any person thatmay be under the influence of alcohol; if the occurrence which caused the bodilyinjury or property damage involved that which is described in Paragraph (1), (2)or (3) of the exclusion.OTHER CHANGESWar Liability ExclusionThe War Liability Exclusion is editorially revised.Personal And Advertising Injury ExclusionThe Personal And Advertising Injury Exclusion is revised for consistency withthe definition of personal and advertising injury.--------------------------------------------------------------------------------SECTION III – COMMON POLICY CONDITIONS (APPLICABLE TO SECTION I – PROPERTY ANDSECTION II – LIABILITY)BROADENINGS OF COVERAGENOTE TO INSURER: No changes were made which resulted in a broadening ofcoverage.REDUCTION IN COVERAGENOTE TO INSURER: No changes were made which resulted in a reduction of coverage.OTHER CHANGESOther Insurance ConditionThe Other Insurance Condition is editorially revised.ENDORSEMENTS BROADENINGS OF COVERAGEBP DS 07 – Photography – Supplemental "Photographic Equipment" ScheduleThis endorsement may be used to describe individual articles of "photographicequipment" at scheduled limits.BP 04 41 – Business Income Changes – Time PeriodThis endorsement is revised to reflect changes made to the Business Income FromDependent PropertiesAdditional Coverage in the Businessowners Coverage Form with respect tosecondary dependent properties.BP 04 57 – Utility Services – Time ElementThis endorsement is revised to provide the means to select a new category ofutility service: wastewater removal property. With respect to the coverageprovided under this endorsement, wastewater removal property is a utility systemfor removing wastewater and sewage from the described premises, other than asystem designed primarily for draining storm water.BP 05 95 – Electronic Data Liability – Limited CoverageThis endorsement is revised for consistency with the Electronic Data Exclusionin the Businessowners Coverage Form by adding an exception to provide that theexclusion does not apply to liability for damages because of bodily injury.BP 07 83 – PhotographyThis new endorsement addresses the specialized coverage needs of photographerrisks.BP 07 84 – Photography – Makeup And HairstylingThis endorsement provides an option relating to liability coverage, indicatingthe Professional Services Exclusion does not apply, with respect to makeupapplication or hairstyling services provided in connection with the operation ofthe Named Insured's business as a photographer.BP 07 87 – Photography – Amendment Of Coverage Territory For "PhotographicEquipment" – Worldwide CoverageThis endorsement expands the property coverage territory for "photographicequipment" to worldwide, except for any countries listed in the Schedule andthose countries subject to trade or other economic sanction or embargo by theUnited States of America.BP 08 07 – PharmacistsThis endorsement is revised to include an exception to the Professional ServicesExclusion with respect to the administering of vaccinations in accordance withapplicable state or federal law.BP 10 09 – Named PerilsThe Dishonesty Exclusion applicable to the Accounts Receivable and ValuablePapers And Records Coverage Extensions in this endorsement is revised in thesame manner as the Dishonesty Exclusion in Section I – Property of theBusinessowners Coverage Form.BP 10 79 – Flood CoverageUnder the Flood Coverage endorsement, there is no coverage for loss resultingfrom a flood which begins before or within 72 hours after the inception date ofthe endorsement. This endorsement is revised to provide that the aforementioned72-hour waiting period will not apply when the prior policy included floodcoverage and the policy periods are consecutive without a break in coverage.Further, the similar 72-hour waiting period for an increase in the Limit ofInsurance will not apply to an increase executed at the time of renewal.Also, this endorsement is revised to add drains and sumps to the provision whichcovers back-up and overflow from a sewer when such discharge occurs within 72hours after a flood recedes.BP 14 79 – Specified Business Personal Property Temporarily Away From PremisesThis new endorsement provides coverage for business personal propertytemporarily away from the described premises in the course of daily businessactivities while in the care, custody or control of the insured or an employeeof the insured.BP 14 82 – Increase In Rebuilding Expenses Following Disaster (AdditionalExpense Coverage On Annual Aggregate Basis)This new endorsement provides limited coverage for the situation in which thecost of repair/replacement of property exceeds the Limit of Insurance due toincreases in the cost of labor and/or materials following a disaster.BP 14 83 – Employee Dishonesty – Named Employee(s)This new endorsement provides an exception to an exclusion contained in theEmployee Dishonesty Optional Coverage. It may be used to schedule a certainemployee(s) that is known to have previously committed theft or any otherdishonest act prior to the effective date of the policy. The scheduledemployee(s) would no longer be subject to the exclusion under the EmployeeDishonesty Optional Coverage.BP 14 87 – Additional Insured – Owners, Lessees Or Contractors – With AdditionalInsured Requirement For Other Parties In Construction ContractThis endorsement provides additional insured status to those parties whom theNamed Insured is obligated in writing in a contract or agreement to name as anadditional insured under their policy.BP 14 89 – Liquor Liability Coverage – Bring Your Own Alcohol EstablishmentsThis endorsement extends Business Liability Coverage, to include bodily injuryor property damage arising out of the selling, serving or furnishing of anyalcoholic beverages, to insureds who permit any person to bring any alcoholicbeverage on their premises, for consumption on the premises, whether or not afee is charged for such activity.BP 17 01 – Condominium Association CoverageThis endorsement is revised to convey that coverage extends 100 feet from thebuilding or 100 feet from the described premises, whichever distance is greater.BP 17 02 – Condominium Commercial Unit-owners CoverageThis endorsement is revised to convey that coverage extends 100 feet from thebuilding or 100 feet from the described premises, whichever distance is greater.Additionally, this endorsement is revised to include leased personal propertywhich the Named Insured has a contractual responsibility to insure as BusinessPersonal Property.BP 17 03 – Condominium Commercial Unit-owners Optional CoveragesThis endorsement is revised to provide the means for selecting a limitation(sub-limit) over $1,000 for assessments that result from a deductible in theinsurance purchased by the condominium association. Coverage is broadened if asub-limit over $1,000 is entered in the Schedule of the endorsement.REDUCTION IN COVERAGEBP 04 19 – Amendment – Liquor Liability Exclusion – Exception For ScheduledPremises Or ActivitiesThe Liquor Liability Exclusion in this endorsement is revised, in part, toindicate that the causing or contributing to the intoxication of any personincludes causing or contributing to the intoxication of any person becausealcoholic beverages were permitted to be brought on your premises forconsumption on your premises.This endorsement is also revised to indicate that the Liquor Liability Exclusionwill apply if an insured permits any person to bring any alcoholic beverages onthe Named Insured's premises, for consumption on the Named Insured's premises,except for the premises described in the Schedule of the endorsement forconsumption on such premises.BP 14 81 – Limitations On Coverage For Roof SurfacingThis new endorsement includes provisions for covering roof surfacing at actualcash value on a building otherwise subject to replacement cost valuation and forexcluding cosmetic damage by windstorm or hail to roof surfacing. One or both ofthese limitations may be indicated on the Schedule of the endorsement.BP 14 84 – Windstorm Or Hail ExclusionThis endorsement generally excludes loss or damage caused directly or indirectlyby windstorm or hail.BP 14 86 – Communicable Disease ExclusionThis endorsement excludes coverage for liability arising out of the actual oralleged transmission of a communicable disease.BP 14 91 – Amendment Of Personal And Advertising Injury DefinitionThis endorsement deletes the offense of oral or written publication, in anymanner, of material that violates a person's right of privacy from thedefinition of personal and advertising injury.OTHER CHANGESBP DS 06 – Flood Coverage ScheduleThis endorsement is revised so that the Underlying Insurance Waiver can be madeapplicable by location. The Underlying Insurance Waiver is a provision in FloodCoverage Endorsement BP 10 79; the waiver applies to a location only if soindicated in the Flood Coverage Schedule.BP 04 19 – Amendment – Liquor Liability Exclusion – Exception For ScheduledPremises Or ActivitiesThis endorsement is revised for consistency with revisions made to the LiquorLiability Exclusion in the policy.BP 04 30 – Protective SafeguardsThis endorsement is revised by the addition of a symbol and description torecognize hood-and-duct fire extinguishing systems.BP 04 31 – Food ContaminationThis endorsement is revised for consistency with the Commercial Property Programand to reinforce certain provisions, as follows: * Paragraph A.1.c. is revised to indicate that covered expenses include necessary medical tests or vaccinations for your employees (including temporary or leased employees) who are potentially infected by the food contamination. * The definition of "food contamination" is revised. BP 04 46 – Ordinance Or Law CoverageThis endorsement is revised to reflect the revisions made to the Ordinance OrLaw Exclusion in the Businessowners Coverage Form.BP 04 53 – Water Back-up And Sump OverflowThis endorsement is revised to reinforce that coverage under this endorsementdoes not apply when sump pump failure is caused by or results from power failureunless the policy is endorsed to cover power failure.The endorsement is also revised to indicate that, for the purposes of thisendorsement, the term drain includes a roof drain and related fixtures.Utility Services Coverage Endorsements – Overhead Transmission Lines * BP 04 56 – Utility Services – Direct Damage * BP 04 57 – Utility Services – Time ElementThese endorsements are revised to make it explicit that transmission linesinclude all lines which serve in the transmission of power or communicationservice, including lines which may be identified as distribution lines.BP 04 84 – Functional Building ValuationThis endorsement is revised to reflect the revisions made to the Ordinance OrLaw Exclusion in the Businessowners Coverage Form.BP 05 95 – Electronic Data Liability – Limited CoverageThe definition of electronic data contained in this endorsement is revised forconsistency with the same definition contained in the Businessowners CoverageForm.BP 05 96 – Electronic Data Liability – Broad CoverageThe definition of electronic data contained in this endorsement is revised forconsistency with the same definition contained in the Businessowners CoverageForm.BP 05 97 – Extended Reporting Period For Electronic Data Liability – BroadCoverageThis endorsement is revised to reinforce that the Extended Reporting PeriodAggregate Limit is equal to the applicable Electronic Data Liability AnnualAggregate Limit.BP 05 98 – Amendment Of Insured Contract DefinitionThis endorsement is revised to reflect that the defined term insured contractaddresses certain liability assumed by the Named Insured with respect to thetort liability of another party to the extent the assumption of the tortliability is permitted by law.BP 07 08 – Pesticide Or Herbicide Applicator – Limited Pollution Coverage The title of this endorsement is revised to better reflect the coverageprovided.BP 07 75 – Apartment BuildingsThis endorsement is revised to reflect the revisions made to the Ordinance OrLaw Exclusion in the Businessowners Coverage Form.BP 07 78 – RestaurantsThis endorsement is revised to reflect the revisions made to the Ordinance OrLaw Exclusion in the Businessowners Coverage Form. It is also revised to reflectthe revisions made to Food Contamination Endorsement BP 04 31.BP 07 81 – Residential Cleaning ServicesThis endorsement is revised to refer to "an identified employee" for consistencywith ISO's Crime And Fidelity Program.BP 10 03 – EarthquakeThis endorsement is revised to explicitly address the Building and/or BusinessPersonal Property Limit Of Insurance shown in the Declarations.BP 10 09 – Named PerilsThis endorsement is revised, as a consequence of generally extending insuredproperty status to the vegetation which is part of a vegetated roof, by adding alimitation which states that such vegetation is not covered with respect to lossor damage caused by hail.BP 14 04 – Windstorm Or Hail Losses To Roof Surfacing – Actual Cash Value LossSettlement This endorsement is revised by the addition of a definition of roof surfacing.BP 14 09 – Debris Removal Additional InsuranceThis endorsement is revised to reference the $25,000 underlying amount ofadditional insurance.BP 14 75 – Increased Cost Of Loss And Related Expenses For Green UpgradesThe Schedule of this endorsement is revised to facilitate identification ofpersonal property (when not all personal property is to be covered for GreenUpgrades) and to facilitate the entry of different percentage selections for thebuilding and personal property.Paragraphs B.1.a. and B.1.b. are revised to simplify the calculation describedtherein, with no change in the outcome. Paragraph B.1.d. is added to explicitlyaddress the situation in which the property loss is less than the deductible.The provisions of former Paragraph B.10., concerning vegetated roofs, areincorporated into the Businessowners Coverage Form, as discussed in theVegetated Roofs item.BP 14 78 – Exclusion Of Loss Due To By-products Of Production Or ProcessingOperations (Rental Properties)This new endorsement, which applies to policies issued to owners and tenants ofrental premises, reinforces that "property damage" and "business interruption"coverages do not apply to loss or damage to the described premises caused by orresulting from smoke, vapor, gas or any substance released in the course ofproduction operations or processing operations performed at the rental unitsidentified in the Schedule of the endorsement. But loss or damage by fire orexplosion that results from the release of a by-product of the production orprocessing operation is not excluded.NOTE TO INSURER: There is no change in intended coverage. With respect toindividual insurers, impact may vary based on past claims and loss settlementhistory.BP 14 80 – Higher LimitsThis new endorsement increases certain specified dollar limitations.NOTE TO INSURER: The Declarations or this endorsement can be used to increasecertain dollar limitations. Refer to Rule 29.A.35. in CLM Division Ten foradditional information.BP 14 88 – Primary And Noncontributory – Other Insurance ConditionThis endorsement revises the Other Insurance Condition to indicate that coverageis provided to an additional insured on a primary and noncontributory basis.BP 17 01 – Condominium Association CoverageThis endorsement is revised to make it explicit that Business Personal Propertyis covered when located in or on the buildings or structures at the describedpremises.BP 17 02 – Condominium Commercial Unit-owners CoverageThis endorsement is revised to make it explicit that Business Personal Propertyis covered when located in or on the buildings or structures at the describedpremises.BP 04 02 – Additional Insured – Managers Or Lessors Of PremisesBP 04 06 – Additional Insured – Controlling InterestBP 04 07 – Additional Insured – State Or Governmental Agency Or Subdivision OrPolitical Subdivision – Permits Or Authorizations Relating To PremisesBP 04 09 – Additional Insured – Mortgagee, Assignee Or ReceiverBP 04 10 – Additional Insured – Owners Or Other Interests From Whom Land HasBeen Leased BP 04 11 – Additional Insured – Co-owner Of Insured PremisesBP 04 13 – Additional Insured – Engineers, Architects Or SurveyorsBP 04 16 – Additional Insured – Lessor Of Leased EquipmentBP 04 47 – Additional Insured – VendorsBP 04 48 – Additional Insured – Designated Person Or OrganizationBP 04 49 – Additional Insured – Engineers, Architects Or Surveyors Not EngagedBy The Named InsuredBP 04 50 – Additional Insured – Owners, Lessees Or Contractors – ScheduledPerson Or OrganizationBP 04 51 – Additional Insured – Owners, Lessees Or Contractors – With AdditionalInsured Requirement In Construction ContractBP 04 52 – Additional Insured – State Or Governmental Agency Or Subdivision OrPolitical Subdivision – Permits Or AuthorizationsBP 14 02 – Additional Insured – Owners, Lessees Or Contractors – CompletedOperationsBP 14 05 – Additional Insured – Grantor Of FranchiseThese additional insured endorsements are revised to: * Add language, in response to the growing number of states enacting anti-indemnification laws, to provide that the insurance afforded to an additional insured only applies to the extent permitted by law; * Provide that, if coverage provided to the additional insured is required by contract or agreement, the insurance afforded to the additional insured will not be broader than that which the Named Insured is required by the contract or agreement to provide for the additional insured; and * Provide that, if coverage provided to the additional insured is required by contract or agreement, the most the insurer will pay on behalf of the additional insured is the amount of insurance required by the contract or agreement or the amount of insurance available under the applicable Limits Of Insurance shown in the Declarations, whichever is less. The provision also provides that the endorsement will not increase the applicable Limits Of Insurance shown in the Declarations.NOTE TO INSURER: When these endorsements are attached to a policy, if coverageprovided to the additional insured is required by contract or agreement,coverage to the additional insured will be afforded to the extent permissible bylaw and to the extent the Named Insured is required by the contract or agreementto provide insurance for the additional insured. Additionally, if coverageprovided to the additional insured is required by contract or agreement, thelimits of insurance of the Named Insured's policy that are available to anadditional insured will be limited to the extent required by the contract oragreement or the amount of insurance available under the applicable Limits OfInsurance shown in the Declarations, whichever is less.BP 04 07 – Additional Insured – State Or Governmental Agency Or Subdivision OrPolitical Subdivision – Permits Or Authorizations Relating To PremisesBP 04 52 – Additional Insured – State Or Governmental Agency Or Subdivision OrPolitical Subdivision – Permits Or AuthorizationsThese endorsements are revised to explicitly allow for any governmental agencyor subdivision (federal or state) to be named as an additional insured.Additionally, the endorsements are revised to address situations in which apermit may not be issued, but rather the governmental agency or subdivisionauthorizes the insured to perform operations. The endorsements now reference theissuing of permits or authorizations to the insured.BP 04 13 – Additional Insured – Engineers, Architects Or SurveyorsBP 04 49 – Additional Insured – Engineers, Architects Or Surveyors Not EngagedBy The Named InsuredBP 04 51 – Additional Insured – Owners, Lessees Or Contractors – With AdditionalInsured Requirement In Construction ContractThese additional insured endorsements are revised for consistency with BP 04 50– Additional Insured – Owners, Lessees Or Contractors – Scheduled Person OrOrganization by: * Specifically excluding completed operations coverage for an additional insured; and/or * Removing the Professional Services Exclusion, as a similar exclusion is already contained in the Businessowners Coverage Form.BP 04 31 – Food ContaminationBP 07 01 – Contractors' Installation, Tools And Equipment CoverageBP 07 75 – Apartment BuildingsBP 07 76 – Apartment Buildings – Loss Or Damage To Tenants' Autos (LegalLiability Coverage)BP 07 78 – RestaurantsBP 07 79 – Restaurants – Loss Or Damage To Customers' Autos (Legal LiabilityCoverage)BP 07 81 – Residential Cleaning ServicesBP 10 09 – Named PerilsThese endorsements are revised to reinforce that employees include temporary orleased employees.BP 08 01 – Barber Shops And Hair Salons Professional Liability BP 08 03 –Optical And Hearing Aid EstablishmentsBP 08 07 – PharmacistsBP 08 09 – Beauty Salons Professional LiabilityBP 14 15 – Limited Exclusion – Personal And Advertising Injury – LawyersTo reinforce the Professional Services Exclusion in these endorsements, theexclusion is enhanced to expressly address, in part, claims alleging negligenceor other wrongdoing in the hiring, employment, training, supervision ormonitoring of others by an insured.© Insurance Services Office, Inc., 2012 BP P 015 07 13