Agmt25 Blacksmith (2048 Broadway)

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water under the ground surface pressing on or seeping through a) foundations, walls, floors, or paved surfaces, b) basements of any kind, or c) doors, windows, or other openings. Flood also includes mudslide or mudflow, and any material carried or moved in any way by "Flood." This definition of Flood applies regardless of the cause of the Flood, and to all damage and loss ensuing in any way from Flood except for fire, explosion, or sprinkler leakage caused by Flood. The damage or loss caused by a Flood -caused fire, explosion, or sprinkler leakage is not included within Flood. For damage caused directly or indirectly by Flood to listed buildings and Other Property, the deductible and limit may vary based on the coverage selected by your business as reflected on the Summary. If your business did not purchase Flood coverage, the limit for Flood damage is $0. If your business did purchase Flood coverage, buildings and Other Property have the same limits they would have for non -Flood damage. If there is a percentage deductible on the Summary for Flood, the deductible for each Flood loss to buildings or Other Property is equal to the percentage on the Summary multiplied by the limit applicable to that loss. For this policy, all damage from Flood happens at the time the Flood starts. This means there is no coverage for Flood that begins before this policy's start time, but coverage is available for the damage caused by Flood that begins before this policy's end time and continues afterwards. A Flood that is due to the overflow of inland or tidal waters begins when the water first overflows its banks. We will not pay for any increase in the amounts payable for Flood, including an addition of Flood Coverage or the increase of any applicable limits or the decrease of deductibles, for the first 72 hours after that change is made to this policy. We will not pay for any Flood losses for 72 hours after the inception of this policy, unless this policy is a renewal or your business previously had equivalent coverage for Flood without lapse prior to the effective date of this policy. Property & Premium Breakdown: California law requires the follow disclosure of premiums, and of property insured but not owned by your business: Schedule of Non -Owned Property No Non -Owned Property Listed Coverage For Premium 2048 Broadway St, Redwood City,CA 94063 - Blacksmith Bar $9,616.15 California Property Insurance Surcharge (CASSAA) $0.15 Business Liability, including Cyber (Data Breach and Computer System Hacks) $0 Business Liability, including Cyber (Data Breach and Computer System Hacks) $19,223 Auto (Other charges) Direct Actions by Judgment Creditors: A creditor that has secured a judgment against your business in an action based upon bodily injury, death, or property damage, may bring an action against us on this policy subject to its terms and limitations, to recover on the judgment. Exclusion of Fines, Penalties and Punitive Damages: This policy does not cover fines, penalties, or restitution as prohibited by Cal. Ins. Code § 533.5. =THREE To Report a Claim or For Questions: Call 1-800-507-4495 or Log On www.threeinsurance.com BY BERKSHIRE HATHAWAY 3PG C^ " 06/24 ATTY/AGR.2025.229/Barrel Dog, Inc. dba Blacksmith (2048 Broadway - Blacksmith) (Page 35 of 44)