Common use of PERILS EXCLUDED Clause in Contracts

PERILS EXCLUDED. This Coverage Form does not insure against loss or damage resulting from, contributed to or caused directly or indirectly by: 1. earthquake, except for ensuing loss or damage which results directly from fire, explosion, smoke or leakage from fire protective equipment; 2. flood, including waves, tidal waves, or the rising of, the breaking out or the overflow of, any body of water, whether natural or man-made, but this exclusion does not apply to ensuing loss or damage which results from fire, explosion, smoke or leakage from fire protective equipment or from a watermain; exclusions 1. and 2. do not apply to property in transit; 3. cessation of work or by interruption of construction, unless directly caused by a peril otherwise insured and not otherwise excluded hereunder; 4. centrifugal force, mechanical or electrical breakdown or derangement in or on the premises, unless fire ensues and then only for the loss or damage caused by such ensuing fire; 5. dampness or dryness of atmosphere, changes of temperature, freezing, heating, shrinkage, evaporation loss of weight, leakage of contents, exposure to light, pollution or contamination, change in colour or texture or finish, rust or corrosion, marring, scratching or crushing, but this exclusion does not apply to loss or damage caused directly by fire, lightning, explosion, impact by aircraft, spacecraft or land vehicle, riot, strike, vandalism, malicious acts, theft or attempt thereat or accident to transporting conveyance provided such perils are not otherwise excluded hereunder; 6. delay, loss of market or loss of use or occupancy; 7. misappropriation, secretion, conversion, infidelity or any dishonest manner of acquiring possession on the part the Insured or any other party of interest, employees or agents of the Insured, or any person to whom the property may be entrusted (bailees for hire excepted); 8. wear and tear, gradual deterioration, latent defect, inherent vice, or the cost of making good faulty or improper material, faulty or improper workmanship, faulty or improper design, provided, however, to the extent otherwise insured and not otherwise excluded under this Policy resultant damage to the property is insured; 9. mysterious disappearance or shortage of equipment or stock disclosed on taking inventory.

PERILS EXCLUDED. This Coverage Form does not insure against loss or damage resulting from, contributed to or caused directly or indirectly byagainst: 1. earthquake(a) centrifugal force, except for ensuing loss mechanical breakdown or damage which results directly from firederangement, explosionobsolescence, smoke or leakage from fire protective equipment; 2. floodgradual deterioration, including waveswear and tear, tidal waveslatent defect, inherent vice, or the rising ofcost of making good faulty or improper workmanship, faulty or improper design, provided, however, to the breaking out or the overflow of, any body of water, whether natural or man-made, but this exclusion does not apply to ensuing loss or damage which results from fire, explosion, smoke or leakage from fire protective equipment or from a watermain; exclusions 1. and 2. do not apply to property in transit; 3. cessation of work or by interruption of construction, unless directly caused by a peril extent otherwise insured ins ured and not otherwise excluded hereunderunder this Form resultant damage to the property is insured; 4. centrifugal force(b) mysterious disappearance, mechanical unaccountable loss, or electrical breakdown loss or derangement in shortage disclosed on taking inventory; (c) loss or on damage sustained while the premisesproperty insured is actually being worked upon and directly resulting therefrom or caused by any repairing, adjusting or servicing of the property insured, unless fire or explosion ensues and then only for the loss or damage caused by such ensuing firefire or explosion; 5. (d) dampness or dryness of atmosphere, changes of temperature, freezing, heating, shrinkage, evaporation evaporation, loss of weight, leakage of contents, exposure to of light, pollution or contamination, change in colour or texture or finish, rust or corrosion, marring, scratching or crushing, but this exclusion does not apply to ; (e) loss or damage caused directly by fire, lightning, explosion, impact by aircraft, spacecraft or land vehicle, riot, strike, vandalism, malicious acts, theft or attempt thereat or accident to transporting conveyance provided such perils are not otherwise excluded hereunder; 6. delay, loss of market or loss of use or occupancy; 7. resulting from misappropriation, secretion, conversion, infidelity or any dishonest manner of acquiring possession or criminal act on the part of the Insured or any other party of interest, employees or agents of the Insured, or any person to whom the insured property may be entrusted (bailees for hire excepted); 8. wear (f) electrical devices, appliances or wiring caused by natural or artificially generated electrical currents, including arcing, unless fire or explosion ensues and tearthen only for such ensuing loss or damage; (g) loss or damage caused by or resulting from theft or attempted theft of the property insured, gradual deteriorationwhen left unattended, latent defectunless the loss be a direct result of violent forcible entry, inherent viceof which there shall be visible evidence, into a locked building, room or locker; (h) loss or damage resulting from loss of use. (i) by civil commotion, war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military power; (1) by any nuclear incident as defined in the Nuclear Liability Act or any other nuclear liability act, law or statute, or any law amendatory thereof or nuclear explosion, except for ensuing loss or damage which results directly from fire, lightning or explosion of natural, coal or manufactured gas; (2) by contamination by radioactive material; (k) proximately or remotely, arising in consequence of or contributed to by enforcement of any by-law, regulation, ordinance, or law regulating zoning or the demolition, repair or construction of buildings or structures, which by-law, regulation, ordinance or law makes it impossible to repair or reinstate the property as it was immediately prior to the loss. (1) loss or damage caused directly or indirectly by any actual or alleged spill, discharge, emission, dispersal, seepage, leakage , migration, release or escape of “pollutants”, nor the cost or expense of making good faulty any resulting “clean up”, but this exclusion does not apply: (i) if the spill, discharge, emission, dispersal, seepage, leakage, migration, release or improper material, faulty or improper workmanship, faulty or improper design, provided, however, to escape of “pollutants” is the extent otherwise insured and direct result of a peril not otherwise excluded under this Policy resultant damage to the property is insuredform; 9. mysterious disappearance (ii) to loss or shortage damage caused directly by a peril not otherwise excluded under this form; (2) cost or expense for any testing, monitoring, evaluating or assessing of equipment an actual, alleged, potential or stock disclosed on taking inventory.threatened spill, dis charge, emission, dispersal, seepage, leakage, migration, release or escape of “pollutants”

PERILS EXCLUDED. This Coverage Form does not insure against loss or damage resulting from, contributed to or caused directly or indirectly by: 1. earthquake, except for ensuing loss or damage which results directly from fire, explosion, smoke or leakage from fire protective equipmentany peril that does not occur externally; 2. flood, including waves, tidal wavesmechanical or electrical breakdown, or the rising of, the breaking out failure or the overflow of, any body of water, whether natural repairing or man-made, but this exclusion does not apply to ensuing loss or damage which results from fire, explosion, smoke or leakage from fire protective equipment or from a watermain; exclusions 1. and 2. do not apply to property in transitmaintenance operations; 3. cessation of work or by interruption of construction, unless directly caused by a peril otherwise insured and not otherwise excluded hereunder; 4. centrifugal force, mechanical or electrical breakdown or derangement in or on the premises, unless fire ensues and then only for the loss or damage caused by such ensuing fire; 5. dampness or dryness of atmosphere, changes of temperature, freezing, heating, shrinkage, evaporation loss of weight, leakage of contents, exposure to light, pollution or contamination, change in colour or texture or finish, rust or corrosion, marring, scratching or crushing, but this exclusion does not apply to loss or damage caused directly by fire, lightning, explosion, impact by aircraft, spacecraft or land vehicle, riot, strike, vandalism, malicious acts, theft or attempt thereat or accident to transporting conveyance provided such perils are not otherwise excluded hereunder; 6. delay, loss of market or loss of use or occupancy; 7. misappropriation, secretion, conversion, infidelity or any dishonest manner of acquiring possession on the part the Insured or any other party of interest, employees or agents of the Insured, or any person to whom the property may be entrusted (bailees for hire excepted); 8. wear and tear, gradual deterioration, latent defect, inherent vice, or the cost of making good faulty or improper material, faulty or improper workmanship, faulty or improper design, provided, however, to the extent otherwise insured and not otherwise excluded under this Policy Coverage, resultant damage to the property is insured; 4. by dampness or dryness of atmosphere, changes of temperature, contamination (except as provided under the Additional Agreements of this coverage), freezing, heating, shrinkage, mould, rot, natural spoilage, evaporation, loss of weight, leakage of contents, exposure to light, change in colour or texture or finish, rust or corrosion, marring, scratching or crushing, but this exclusion does not apply to loss or damage caused directly by a peril not otherwise excluded in this Endorsement; 5. rodents (such as squirrels and rats), insects or vermin (such as skunks and racoons), but this exclusion does not apply to loss or damage caused directly by a peril not otherwise excluded in this Coverage; 6. the voluntary parting with title or ownership, whether or not induced to do so by any fraudulent scheme, trick, device or false pretences; 7. any dishonest or criminal act on the part of the Insured or any other party of interest, employees or agents of the Insured, or any person to whom the property may be entrusted (bailees for hire excepted), but this exclusion does not apply to physical damage, caused directly by employees of the Insured, which results from a peril not otherwise excluded under this Endorsement; 8. seepage, leakage or influx of water derived from natural openings in the building, foundations, basement floors, sidewalks, sidewalk lights, or by the backing up of sewers, sumps, septic tanks or drains. This exclusion does not apply if the water damage occurs concurrently and directly with other damage caused by a peril not otherwise excluded by this Endorsement. Further this exclusion does not apply if the water damage occurs as the result of the peril of flood meaning waves, tide or tidal water and the rising (including the overflowing or breaking of boundaries) or lakes, ponds, reservoirs, rivers, harbours, streams and similar bodies of water, whether driven by wind or not; 9. mysterious disappearance the entrance of rain, sleet or shortage snow through doors, windows, skylights or other similar wall or roof openings unless through an opening concurrently and directly caused by a peril not otherwise excluded by this Coverage; 10. centrifugal force, mechanical or electrical breakdown or derangement in or on the premises, unless fire ensues and then only for the loss or damage caused directly by such ensuing fire; 11. rupture of pipes or breakage of apparatus including any pressure vessel having normal internal working pressure greater than 103 kilopascals (15 pounds per square inch) above atmospheric pressure or any boiler, including the piping and equipment connected to it, which contains steam or stock disclosed on taking inventorywater under steam pressure (except tanks having an internal diameter of 610 millimetres (24 inches) or less used for the heating and storage of hot water for domestic use). 12. smoke from agricultural smudging or industrial operations; 13. delay, loss of market or loss of use or occupancy; 14. (i) any nuclear incident as defined in the Nuclear Liability Act or any other nuclear liability act, law or statute, or any law amendatory thereof or nuclear explosion, except for ensuing loss or damage which results directly from fire, lightning or explosion of natural, coal or manufactured gas;

PERILS EXCLUDED. This Coverage Form policy does not insure against loss or damage resulting from, contributed to or caused directly or indirectly byinsure: 1. earthquakeAgainst infidelity, except for ensuing or any dishonesty on the part of the Insured or any of his employees or others to whom the property may be delivered or entrusted; inventory shortage or unexplained disappearance; it being understood that this exclusion will not apply to loss or damage which results directly from fireof cash, explosionnotes, smoke or leakage from fire protective equipment;crossed cheques and non-negotiables at Non USA locations. 2. flood, including waves, tidal waves, or the rising of, the breaking out or the overflow of, any body of water, whether natural or man-made, but this exclusion does not apply to ensuing loss or damage which results from fire, explosion, smoke or leakage from fire protective equipment or from a watermain; exclusions 1. and 2. do not apply to property in transit; 3. cessation of work or by interruption of construction, unless directly caused by a peril otherwise insured and not otherwise excluded hereunder; 4. centrifugal force, mechanical or electrical breakdown or derangement in or on the premises, unless fire ensues and then only for the Against loss or damage caused by such ensuing fire; 5. or resulting from moth, vermin, termites or other insects, inherent vice, latent defect, contamination, rust, wet or dry rot, mold, dampness or dryness of atmosphere, changes smog or extremes of temperature, freezing, heating, temperature unless other loss or damage from a peril not otherwise excluded herein ensues and then this policy shall cover for such ensuing loss or damage. 3. Against loss or damage to personal property resulting from shrinkage, evaporation evaporation, loss of weight, leakage of contentsleakage, marring, scratching, exposure to light, pollution or contamination, change in colour color, texture, or texture flavor, unless such loss or finishdamage is caused directly by a peril not excluded by this policy. 4. The cost of making good defective design or specifications, rust faulty materials, or corrosionfaulty workmanship, marringhowever, scratching or crushing, but this exclusion does shall not apply to loss or damage caused directly by fireresulting from such defective design or specifications, lightningfaulty materials or faulty workmanship. 5. Against ordinary wear, explosiontear, impact by aircraft, spacecraft or land vehicle, riot, strike, vandalism, malicious acts, theft gradual deterioration unless other loss or attempt thereat or accident to transporting conveyance provided such perils are damage from a peril not otherwise excluded hereunder;herein ensues and then this policy shall cover only for such ensuing loss or damage. 6. delayAgainst normal settling or shrinkage of walls, floors or ceilings unless loss of market or damage from a peril not otherwise excluded herein ensues and then this policy shall cover only for such ensuing loss of use or occupancy;damage. 7. misappropriation, secretion, conversion, infidelity or any dishonest manner Loss of acquiring possession on the part the Insured or any other party of interest, employees or agents of the Insured, or any person to whom the property may be entrusted (bailees for hire excepted);market 8. wear Against nuclear reaction or nuclear radiation or radioactive contamination, all whether controlled or uncontrolled, and tearwhether such loss be direct or indirect, gradual deterioration, latent defect, inherent viceproximate or remote, or be in whole or in part caused by, contributed to, or aggravated by the cost peril(s) insured against in this policy; except i. if fire ensues, liability is specifically assumed for direct loss by such ensuing fire but not including any loss due to nuclear reaction, nuclear radiation or radioactive contamination; ii. The Company shall be liable for loss or damage caused by sudden and accidental radioactive contamination including resultant radiation damage from material used or from processes conducted on an insured premises provided at the time of making good faulty loss there is neither a nuclear reactor capable of sustaining nuclear fission in self-supporting chain reaction nor any new or improper material, faulty or improper workmanship, faulty or improper design, provided, however, to used nuclear fuel on the extent otherwise insured and not otherwise excluded under this Policy resultant damage to the property is insured;premises. 9. mysterious disappearance a. against hostile or shortage warlike action in time of equipment peace or stock disclosed on taking inventory.war, including action in hindering, combating, or defending against an actual, impending, or expected attack; (1) by any government or sovereign power (de jure or de facto) or by any authority maintaining or using military, naval or air forces; (2) or by military, naval or air forces; (3) or by an agent of any such government, power, authority, or forces; (4) by any weapon employing atomic fission;

PERILS EXCLUDED. This Coverage Form does not insure against loss or damage resulting from, contributed to or caused directly or indirectly byindirectly: 1. earthquake(a) by misappropriation, except for ensuing loss secretion, conversion, infidelity or damage which results directly from fireany dishonest act on the part of the Insured or any other party of interest, explosionemployees or agents of the Insured, smoke or leakage from fire protective equipmentany person to whom the “property” may be entrusted; 2. flood(b) by or resulting from strikes, including waveslockouts, tidal waveslabour disturbances, riots, civil commotion, or the rising of, the breaking out acts of any person or the overflow of, persons taking part in any body of water, whether natural such occurrence or man-made, but this exclusion does not apply to ensuing loss or damage which results from fire, explosion, smoke or leakage from fire protective equipment or from a watermaindisorder; exclusions 1. and 2. do not apply to property in transit(c) by delay, loss of profit, loss of use, or loss of market; 3. cessation (d) by shifting of work load, inferior packing or by interruption of construction, unless directly caused by a peril otherwise insured and not otherwise excluded hereunderpoor handling; 4. centrifugal force, (e) by mechanical or electrical breakdown breakdown, derangement or derangement in or on the premisesby centrifugal force, unless fire ensues and then only for the loss or damage caused directly by such ensuing fire; 5. (f) by dampness or dryness of atmosphere, changes of climate, changes of temperature, freezing, heating, shrinkage, evaporation evaporation, loss of weight, leakage of contents, exposure to light, pollution or contamination, change in colour or texture or finish, rust or corrosion, marring, scratching or crushing, but this exclusion does not apply to loss or damage caused directly by fire, lightning, explosion, impact by aircraft, spacecraft or land “vehicle”, riot, strike, vandalism, malicious acts, smoke, leakage from fire protective equipment, windstorm or hail, theft or attempt thereat or accident to transporting conveyance provided such perils are not otherwise excluded hereunderin Clause 6 hereof; 6. delay(g) by rodents, insects or vermin, but this exclusion does not apply to loss of market or loss of use or occupancydamage caused directly by a peril not otherwise excluded in Clause 6 hereof; 7. misappropriation, secretion, conversion, infidelity or any dishonest manner of acquiring possession on the part the Insured or any other party of interest, employees or agents of the Insured, or any person to whom the property may be entrusted (bailees for hire excepted); 8. h) wear and tear, gradual deterioration, latent defect, inherent vice, or the cost of making good faulty or improper material, faulty or improper workmanship, faulty or improper design, provided, however, to the extent otherwise insured and not otherwise excluded under this Policy Form, resultant damage to the “property is insured; 9. (i) due to any dishonest, fraudulent or criminal act by the Insured, a partner therein or an officer, director, trustee or employee thereof, whether acting alone or in collaboration with others; (j) by mysterious disappearance disappearance, unexplained shortage, misdelivery or shortage of equipment or stock disclosed on taking inventoryby pilferage.

PERILS EXCLUDED. This Coverage Form does not insure against loss or damage: a caused by wear and tear, gradual deterioration, insects, vermin, rodents, latent or mechanical defect, inherent vice, mechanical or electrical breakdown, scraping, scratching, dampness or dryness of atmosphere, corrosion, rust, freezing or extremes of temperature, contamination; b caused by or arising from mechanical or electrical breakdown or failure, adjusting or failure to adjust, improper set-up or failure to set-up, repairing, servicing, fueling or maintenance operations unless fire or explosion ensues and then only for the resulting loss or damage caused by such ensuing fire or explosion; c caused by clogging, compacting, plugging or piling up of material(s) intended to be ingested into a combine, baler or forage harvest equipment; d loss or damage caused by or resulting fromfrom delay, contributed loss of market, loss of use, or loss or shortage disclosed on taking inventory or making appraisal; e to tires, tracks or tubes unless the loss or damage is caused by fire, windstorm, theft or vandalism or is coincident with other loss or damage insured by this policy; f caused by or resulting from exceeding the manufacturer’s rated capacity of the equipment; g sustained while the property insured is actually being worked upon and directly resulting therefrom unless fire or indirectly by:explosion ensues and then only for loss or damage caused by such ensuing fire or explosion; h loss or damage caused by breaking through ice or subsidence of ice, sinking in muskeg, swamp, sand or other soft ground; i occasioned by the neglect of the Insured to use all reasonable means to save and preserve the insured property; j caused by electrical currents (other than lightning) to electrical appliances of any kind including wiring, unless fire ensues and then for loss by fire only; k by explosion to any pressure vessel or internal combustion engine in which the explosion originates; l caused by or resulting from misappropriation, secretion, conversion, infidelity or any dishonest act on the part of the Insured or other party of interest, his or their employees or agents or others to whom the property may be entrusted (carriers for hire excepted). m in whole or in part by war, invasion of foreign enemy, hostilities (whether war is declared or not), civil war, rebellion, revolution, insurrection or military power. This exclusion applies whether or not there are one or more other cause or events (whether covered or not) that contribute concurrently or in any sequence to the occasioning of the loss or damage; 1. earthquaken (i) by any nuclear incident (as defined in the Nuclear Liability Act or any other nuclear liability act, law or statute, or any amending law) or nuclear explosion, except for ensuing loss or damage which results directly from fire, explosionlightning or explosion of natural, smoke coal or leakage from fire protective equipmentmanufactured gas; 2. flood, including waves, tidal waves, or the rising of, the breaking out or the overflow of, any body of water, whether natural or man-made, but this exclusion does not apply to ensuing loss or damage which results from fire, explosion, smoke or leakage from fire protective equipment or from a watermain; exclusions 1. and 2. do not apply to property in transit; 3. cessation of work or by interruption of construction, unless directly caused by a peril otherwise insured and not otherwise excluded hereunder; 4. centrifugal force, mechanical or electrical breakdown or derangement in or on the premises, unless fire ensues and then only for the loss or damage caused by such ensuing fire; 5. dampness or dryness of atmosphere, changes of temperature, freezing, heating, shrinkage, evaporation loss of weight, leakage of contents, exposure to light, pollution or contamination, change in colour or texture or finish, rust or corrosion, marring, scratching or crushing, but this exclusion does not apply to loss or damage caused directly by fire, lightning, explosion, impact by aircraft, spacecraft or land vehicle, riot, strike, vandalism, malicious acts, theft or attempt thereat or accident to transporting conveyance provided such perils are not otherwise excluded hereunder; 6. delay, loss of market or loss of use or occupancy; 7. misappropriation, secretion, conversion, infidelity or any dishonest manner of acquiring possession on the part the Insured or any other party of interest, employees or agents of the Insured, or any person to whom the property may be entrusted (bailees for hire excepted); 8. wear and tear, gradual deterioration, latent defect, inherent vice, or the cost of making good faulty or improper material, faulty or improper workmanship, faulty or improper design, provided, however, to the extent otherwise insured and not otherwise excluded under this Policy resultant damage to the property is insured; 9. mysterious disappearance or shortage of equipment or stock disclosed on taking inventory.

PERILS EXCLUDED. This Coverage Form endorsement does not insure against loss or damage resulting from, contributed to caused directly or indirectly: (a) the cost of making good: (i) faulty or improper material; (ii) faulty or improper workmanship; (iii) faulty or improper design; or loss or damage caused directly or indirectly therefrom, provided however, to the extent not otherwise excluded under this endorsement, resultant damage to the property insured caused by fire or explosion shall be insured; (b) loss or damage caused directly or indirectly by misappropriation, secretion, conversion, infidelity or any dishonest act on the part of the insured or any other party of interest, employees or agents of the insured, or any person to whom the property may be entrusted (bailees for hire excepted) ; (c) any loss of use or occupancy however caused; (d) penalties or liquidated damages for non-completion of or delay in completion of contract or non-compliance with contract conditions or costs incurred solely in an effort to eliminate or reduce penalties or liquidated damages for which the insured may be contractually liable; (e) proximately or remotely, arising on consequence of or contributed to by the enforcement of or any by:-law, regulation, ordinance or law regulating zoning or the demolition, repair or construction of buildings or structures, which by-law, regulation, ordinance or law makes it impossible to repair or reinstate the property as it was immediately prior to the loss. 1. (f) loss of market, loss of use, damage or deterioration arising from delay, whether such delay be caused by a peril insured against or not; (g) loss or damage due to any dishonest, fraudulent or criminal act by the insured, a partner therein or an officer, director, trustee or employee thereof, whether acting alone or in collusion with others; (h) by dampness or dryness of atmosphere, changes of temperature, freezing, heating, shrinkage, evaporation, loss of weight, leakage of equipment or stock, contamination, exposure to light, change in colour or texture or finish, rust or corrosion, marring, scratching or crushing; (i) by rodents, insects or vermin, but this exclusion does not apply to loss or damage caused directly by a peril not otherwise excluded under this endorsement; (j) by mechanical or electrical breakdown or derangement, unless fire or explosion ensues and then only for the loss, damage or expense caused by such ensuing fire or explosion; (k) by earthquake, except for ensuing loss or damage which results directly from fire, explosion, smoke or leakage from fire protective equipmentequipment all as described in the DEFINITIONS; 2. (l) by flood, including waves, tides, tidal waves, tsunami, or the rising of, the breaking out or the overflow of, any body of water, whether natural or man-made, but this exclusion does not apply to ensuing loss or damage which results directly from fire, explosion, smoke or smoke, leakage from fire protective equipment all as described in the DEFINITIONS or leakage from a watermain; ; exclusions 1. (k) and 2. (l) do not apply to property in transit; 3. cessation of work (m) any loss or shortage disclosed on taking inventory or making appraisal, or by interruption of construction, unless directly caused by a peril otherwise insured and not otherwise excluded hereundermysterious disappearances; 4. centrifugal force, mechanical or electrical breakdown or derangement in or on the premises, unless fire ensues and then only for the (n) loss or damage caused by such ensuing fireor resulting from the weight of a load exceeding the registered lifting capacity of any machinery; 5. dampness (o) loss, damage or dryness of atmosphereexpense caused by or resulting from settling or shrinkage or expansion or subsidence or earth movement underneath or adjacent to foundations, changes of temperature, freezing, heating, shrinkage, evaporation loss of weight, leakage of contents, exposure to light, pollution footings or contamination, change in colour or texture or finish, rust or corrosion, marring, scratching or crushing, but this exclusion does not apply to loss or damage caused directly by fire, lightning, explosion, impact by aircraft, spacecraft or land vehicle, riot, strike, vandalism, malicious acts, theft or attempt thereat or accident to transporting conveyance provided such perils are not otherwise excluded hereunderstructures; 6. delay, loss of market or loss of use or occupancy; 7. misappropriation, secretion, conversion, infidelity or any dishonest manner of acquiring possession on the part the Insured or any other party of interest, employees or agents of the Insured, or any person to whom the property may be entrusted (bailees for hire excepted); 8. p) wear and tear, gradual deterioration, latent defect, inherent vice, or the cost of making good faulty or improper material, faulty or improper workmanship, faulty or improper design, provided, however, to the extent otherwise insured and not otherwise excluded under this Policy endorsement, resultant damage to the property is insured; 9. mysterious disappearance (q) disturbance or shortage erasure of equipment electronic recordings by electronic or stock disclosed on taking inventorymagnetic injury except by lightning.

PERILS EXCLUDED. A. This Coverage Form does not insure against loss or damage resulting from, contributed to or caused directly or indirectly by: 1. earthquake, except for ensuing loss a. the cost of making good: i) faulty or damage which results directly from fire, explosion, smoke or leakage from fire protective equipmentimproper material; 2. flood, including waves, tidal waves, ii) faulty or the rising of, the breaking out or the overflow of, any body of water, whether natural or man-made, but this exclusion does not apply to ensuing loss or damage which results from fire, explosion, smoke or leakage from fire protective equipment or from a watermainimproper workmanship; exclusions 1. and 2. do iii) faulty or improper design; unless physical damage not apply to property otherwise excluded by this policy results, in transitwhich event this coverage form will insure such “resultant damage”; 3. b. penalties or liquidated damages for non-completion of or delay in completion of contract or non-compliance with contract conditions or costs incurred solely in an effort to eliminate or reduce penalties or liquidated damages for which the Insured may be contractually liable; c. any increase in the “replacement cost” occasioned by a restriction or prohibition in any by-law, regulation, ordinance or law; d. wear and tear, gradual deterioration, maintenance and repair, latent defect or inherent vice, provided, however, to the extent otherwise insured and not otherwise excluded under this Coverage Form, "resultant damage" to the property is insured; e. mysterious disappearance or shortage of insured property disclosed on taking inventory; f. cessation of work or by interruption of construction, unless directly caused by a peril otherwise insured and not otherwise excluded hereunderunder this Coverage Form; g. by seepage, leakage or influx of water derived from natural sources through basement walls, doors, windows or other openings therein, foundations, basement floors, sidewalks, sidewalk lights, or by the backing up of sewers, sumps, septic tanks or drains, unless concurrently and directly caused by a peril not otherwise excluded under this Coverage Form; h. by the entrance of rain, sleet or snow through doors, windows, skylights or other similar wall or roof openings unless through an aperture concurrently and directly caused by a peril not otherwise excluded under this Coverage Form i. earthquake, except for ensuing loss or damage which results directly from fire, “explosion”, smoke or “leakage from fire protective equipment'', provided such perils are not otherwise excluded in this Coverage Form; 4. j. “flood”, including waves, tides, tidal waves, tsunamis, storm surge whether caused by “Coastal Flooding” or “Shoreline Flooding, but this exclusion does not apply to ensuing loss or damage which results directly from fire , "explosion", smoke or "leakage from fire protective equipment", provided such perils are not otherwise excluded in this Coverage; k. centrifugal force, mechanical or electrical breakdown or derangement in or on provided, however to the premisesextent otherwise insured and not otherwise excluded under this Coverage Form, unless fire ensues and then only for “resultant damage” to the loss or damage caused by such ensuing fireproperty shall be insured; 5▇. ▇▇▇▇ or corrosion, frost or freezing or contamination unless caused directly by a peril not otherwise excluded in this Coverage Form; m. dampness or dryness of atmosphere, changes of temperature, freezing, heating, shrinkage, evaporation evaporation, loss of weight, leakage of contents, exposure to light, pollution or contamination, change in colour or texture or finish, rust or corrosion, marring, scratching or crushing, but this exclusion does not apply to loss or damage caused directly by fire, lightning, “explosion”, “impact by aircraft, spacecraft or land vehicle”, riot, strike, vandalism, malicious acts, rupture of pipes or breakage of apparatus, theft or attempt thereat or accident to transporting conveyance provided such perils are not otherwise excluded hereunder; 6in this Coverage Form; n. smoke from agricultural smudging or industrial operations; o. birds, moths, vermin (such as skunks and raccoons), rodents (such as squirrels and rats), insects, bats but this exclusion does not apply to loss or damage caused directly by a peril not otherwise excluded in this Coverage Form; ▇. delay▇▇▇▇▇, loss of market or loss of use or occupancy; 7. misappropriation, secretion, conversion, infidelity or any dishonest manner of acquiring possession on the part the Insured or any other party of interest, employees or agents of the Insured, or any person to whom the property may be entrusted (bailees for hire excepted); 8. wear and tear, gradual deterioration, latent defect, inherent vice, or the cost of making good faulty or improper material, faulty or improper workmanship, faulty or improper design, provided, however, to the extent otherwise insured and not otherwise excluded under this Policy resultant damage to the property is insured; 9. mysterious disappearance or shortage of equipment or stock disclosed on taking inventory.

PERILS EXCLUDED. This Coverage Form form does not insure against loss, damage or expense caused by: a) mechanical breakdown, but other loss or damage insured by this form following mechanical breakdown shall not be excluded; b) latent defect, faulty material, faulty workmanship, inherent vice, gradual deterioration or wear and tear; c) electrical disturbances to electrical devices of any kind (including wiring) due to electrical currents artificially generated, unless fire or explosion ensues and then only for the loss or damage caused by such ensuing fire or explosion; d) or sustained while the property insured is actually being worked upon and directly resulting fromtherefrom or caused by any repairing, contributed adjusting or servicing of the property insured (unless fire or explosion ensues and then only for the loss or damage caused by such ensuing fire or explosion); e) corrosion, rust, dampness of atmosphere, freezing, or extremes of temperature; f) misappropriation, secretion, conversion, infidelity or any dishonest act on the part of the Insured(s) or other party of interest, their employees or agents or any person or persons to whom the property may be entrusted (bailees for hire excepted); but this exclusion does not apply to physical damage caused directly by the Insured(s)'s employees, which results from a peril otherwise insured and not otherwise excluded under this rider; g) any mysterious disappearance or any loss or shortage disclosed on taking inventory; h) loss resulting from delay, loss of market or loss of use; i) the weight of the load imposed on a machine exceeding the capacity for which such machine was designed; j) the explosion, rupture or bursting of steam boilers, steam pipes, steam turbines, steam engines or flywheels, owned, operated or controlled by the Insured(s); k) in whole or in part by war, invasion, act of foreign enemy, hostilities (whether war is declared or not), civil war, rebellion, revolution, insurrection or military power. This exclusion applies whether or not there are one or more other causes or events (whether covered or not) that contribute concurrently or in any sequence to the occasioning of the loss or damage; l) loss or damage caused directly or indirectly byindirectly: 1. earthquakei) by any nuclear incident as defined in the Nuclear Liability Act or any other nuclear liability act, law or statute, or any law amendatory thereof or nuclear explosion, except for ensuing loss or damage which results directly from fire, explosionlightning or explosion of natural, smoke coal or leakage from fire protective equipmentmanufactured gas; 2. flood, including waves, tidal waves, or the rising of, the breaking out or the overflow of, any body of water, whether natural or man-made, but this exclusion does not apply to ensuing loss or damage which results from fire, explosion, smoke or leakage from fire protective equipment or from a watermain;ii) by contamination by radioactive material. exclusions 1. and 2. do not apply to property in transit; 3. cessation of work or by interruption of construction, unless directly caused by a peril otherwise insured and not otherwise excluded hereunder; 4. centrifugal force, mechanical or electrical breakdown or derangement in or on the premises, unless fire ensues and then only for the m) loss or damage caused by such ensuing fire; 5. dampness a criminal or dryness of atmosphere, changes of temperature, freezing, heating, shrinkage, evaporation loss of weight, leakage of contents, exposure to light, pollution wilful act or contamination, change in colour or texture or finish, rust or corrosion, marring, scratching or crushing, but this exclusion does not apply to loss or damage caused directly by fire, lightning, explosion, impact by aircraft, spacecraft or land vehicle, riot, strike, vandalism, malicious acts, theft or attempt thereat or accident to transporting conveyance provided such perils are not otherwise excluded hereunder; 6. delay, loss of market or loss of use or occupancy; 7. misappropriation, secretion, conversion, infidelity or any dishonest manner of acquiring possession on the part the Insured or any other party of interest, employees or agents omission of the Insured, or any person to whom the property may be entrusted (bailees for hire excepted); 8n) in whole or in part, “terrorism” or by any activity or decision of a government agency or other entity to prevent, respond to or terminate “terrorism”. wear and tear, gradual deterioration, latent defect, inherent vice, This exclusion applies whether or the cost of making good faulty not there are one or improper material, faulty more other causes or improper workmanship, faulty events (whether covered or improper design, provided, however, not) that contribute concurrently or in any sequence to the extent otherwise insured occasioning of the loss or damage. If any portion of this exclusion is found to be invalid, unenforceable or contrary to statute, the remainder shall remain in full force and not otherwise excluded under this Policy resultant damage to the property is insured; 9. mysterious disappearance or shortage of equipment or stock disclosed on taking inventoryeffect.

PERILS EXCLUDED. This Coverage Insurer shall not be liable, nor shall this Form does not insure against loss cover any claims or suits for loss, damage or destruction to property caused by or resulting from, contributed to or caused directly or indirectly by: 1a) centrifugal force, mechanical or electrical breakdown or derangement in or on the "premises" unless fire ensues and then only for the loss or damage caused directly by such ensuing fire; b) damage sustained due to or resulting from any repairing, restoration or retouching process; c) dampness or dryness of atmosphere, changes of temperature, freezing, heating, shrinkage, evaporation, loss of weight, leakage of equipment or stock, contamination, exposure to light, change in colour or texture or finish, rust or corrosion, marring, scratching or crushing, but this exclusion does not apply to loss or damage caused directly by “Named Perils”, rupture of pipes or breakage of apparatus not excluded under Property Excluded hereof, theft or attempt thereat or accident to transporting conveyance. Damage to pipes caused by freezing is insured provided such pipes are not excluded under Property Excluded hereof; d) delay, loss of market, loss of use, loss or shortage disclosed on taking inventory; e) earthquake, except for ensuing loss or damage which results directly from fire, explosion, smoke or leakage from “fire protective equipment”, all as described in “Named Perils”; 2. f) flood, including waves, tides, tidal waves, tsunamis, or the rising of, the breaking out or the overflow of, any body of water, whether natural or man-made, but this exclusion does not apply to ensuing loss or damage which results directly from fire, explosion, smoke smoke, leakage from “fire protective equipment” or leakage from fire protective equipment or from a watermainwater main; exclusions 1. and 2. do not apply to property in transitg) forged warehouse receipts; 3. cessation h) liability assumed by the Insured upon contract with another except as specifically provided for in the Special Conditions of work or by interruption of construction, unless directly caused by a peril otherwise insured and not otherwise excluded hereunderthis Form; 4. centrifugal force, mechanical or electrical breakdown or derangement in or on the premises, unless fire ensues and then only for the loss or damage caused by such ensuing fire; 5. dampness or dryness of atmosphere, changes of temperature, freezing, heating, shrinkage, evaporation loss of weight, leakage of contents, exposure to light, pollution or contamination, change in colour or texture or finish, rust or corrosion, marring, scratching or crushing, but this exclusion does not apply to loss or damage caused directly by fire, lightning, explosion, impact by aircraft, spacecraft or land vehicle, riot, strike, vandalism, malicious acts, theft or attempt thereat or accident to transporting conveyance provided such perils are not otherwise excluded hereunder; 6. delay, loss of market or loss of use or occupancy; 7. i) misappropriation, secretion, conversion, illegal sale, infidelity or any dishonest manner of acquiring possession dishonest, fraudulent or criminal act on the part of the Insured or any other party of interest, employees or agents of the Insured, Insured or any person or persons to whom the property may be entrusted (bailees for hire excepted)whether acting alone or in collusion with others; 8. j) moths, rodents, raccoons, skunks, birds, insects or vermin; k) mysterious disappearance; l) the ownership, maintenance, operation, use, loading or unloading of any “automobile(s)”; m) seepage, leakage or influx of water derived from natural sources through basement walls, doors, windows, or other openings therein, foundations, basement floors, sidewalks or sidewalk lights or the backing up of sewers, sumps, septic tanks or drains unless concurrently and directly caused by a peril not otherwise excluded in this Form; n) wear and tear, mechanical breakdown, gradual deterioration, any quality in the property that causes it to damage or destroy itself, hidden or latent defect, inherent vice, vice or the cost of making good faulty or improper material, faulty workmanship or improper workmanship, faulty or improper design, provided, however, to the extent otherwise insured and not otherwise excluded under this Policy resultant damage to the property is insured; 9. mysterious disappearance or shortage of equipment or stock disclosed on taking inventory.

PERILS EXCLUDED. This Coverage Form does not insure against loss loss, destruction or damage resulting from, contributed to or caused directly or indirectly by: 1. a. earthquake, except for ensuing loss or damage which results directly from fire, explosion, smoke or leakage from fire protective protection equipment; 2▇. ▇▇▇▇▇, and the word “flood” includes waves, including wavestides, tidal waves, tsunamis or the rising of, the breaking out or the overflow of, any body of water, whether natural or man-man made, however cau- sed, but this exclusion does not apply to ensuing loss or damage which results caused by escape of water from fire, explosion, smoke or leakage from an ele- vated water tank on the premises maintained for fire protective equipment fighting purposes or from a watermain; exclusions 1. water main; Exclusions (a) and 2. (b) do not apply to property in transit. ( i ) seepage, leakage or influx of water derived from natural sources through basement walls, doors, windows or other openings therein, foundations, basement floors, sidewalks or sidewalk lights, or the backing up of sewers, sumps, septic tanks or drains, but this exclusion does not apply to loss or damage from fire, explosion, riot, vandalism or malicious acts; 3. cessation ( ii ) the entrance of work rain, sleet or by interruption of constructionsnow through doors, windows, skylights or other simi- lar wall or roof openings unless directly through an aperture concurrently caused by a peril otherwise insured and not otherwise excluded hereunderexcluded; 4. centrifugal forced. dampness of atmosphere, mechanical or electrical breakdown or derangement in or on the premises, unless fire ensues and then only for the loss or damage caused by such ensuing fire; 5. dampness or dryness of atmosphere, extremes or changes of temperature, freezing, heatinghea- ting, shrinkage, evaporation evaporation, loss of weight, leakage of contents, exposure to light, pollution or contaminationcontami- nation, change in flavour or colour or texture or finish, rust or corrosion, breakage of glass or similar fragile materials, marring, scratching or crushing, but this exclusion does not apply to loss or damage caused directly by fire, lightning, windstorm, hail, explosion, strike, riot, vehicles other than transporting conveyances, impact by aircraft, spacecraft leakage from fire protection equip- ment, rupture of pipes or land vehiclebreakage of apparatus, riot, strike, vandalism, vandalism or malicious acts, theft or attempt thereat or accident to transporting conveyance provided such perils are not otherwise excluded hereunderconveyance; 6( i ) electrical disturbances to electrical appliances or devices of any kind (including wiring) due to electrical currents artificially generated, unless fire or explosion ensues and then only for the loss or damage by such ensuing fire or explosion; SPECIMEN ( ii ) electric or magnetic injury, disturbance or erasure of electronic recordings except by lightning; ▇. delay▇▇▇▇▇▇▇, insects or vermin; ▇. ▇▇▇▇▇, loss of market or loss of use use; nor against h. loss or occupancydamage sustained while the property insured is actually being worked upon and directly resulting therefrom or caused by any repairing, adjusting or servicing of the property insured, unless fire or explosion ensues and then only for the loss or damage caused by such ensuing fire or explosion; 7. misappropriation, secretion, conversion, infidelity i. loss or damage resulting from any dishonest manner of acquiring possession act on the part of the Insured Insured, or any other party of interest, his or their employees or agents of the Insured, or any person to whom the property may be entrusted entrus- ▇▇▇ (bailees for hire excepted); 8. wear and tear, gradual deteriorationj. mechanical breakdown or derangement, latent defect, faulty material, faulty workmanship, inherent vice, gradual deterioration or the cost of making good faulty or improper material, faulty or improper workmanship, faulty or improper design, provided, however, to the extent otherwise insured wear and not otherwise excluded under this Policy resultant damage to the property is insuredtear; 9. k. any mysterious disappearance or any loss or shortage of equipment or stock disclosed on taking inventory; l. loss or damage due to theft (including attempt thereat) or property while unattended in or on any motor vehicle or trailer, unless contained in a fully enclosed and securely locked body or compartment of such vehicle and resulting from forcible entry, evidenced by visible marks into the body or compartment (except property in the custody of bailees for hire).

PERILS EXCLUDED. This Coverage Form PART does not insure against (except as maybe provided in Section 10. EXTENSIONS OF COVERAGE below) cover any loss or damage resulting from, contributed to or caused directly or indirectly byindirectly: 1. earthquakeA. by any dishonest act on the Insured’s part or any other party of interest, except for ensuing loss employees or damage which results directly from fire, explosion, smoke or leakage from fire protective equipment; 2. flood, including waves, tidal wavesagents, or any person to whom the rising of, the breaking out or the overflow of, any body of water, whether natural or man-made, property may be entrusted (bailees for hire excepted) but this exclusion does not apply to ensuing loss or physical damage caused directly by the Insured’s employees which results from fire, explosion, smoke or leakage from fire protective equipment or from a watermain; exclusions 1. and 2. do not apply to property in transit; 3. cessation of work or by interruption of construction, unless directly caused by a peril otherwise insured against and not otherwise excluded hereunderunder this PART; 4. B. by unauthorized instructions to transfer property to any person or to any place; C. by voluntary parting with any property by the Insured or anyone entrusted with the property if induced to do so by any fraudulent scheme, trick, device or false pretence; D. by centrifugal force, mechanical or electrical breakdown or derangement in or on the premises, unless fire ensues and then only for the . This exclusion does not apply to loss or damage caused by such from any ensuing fire; 5. E. by dampness or dryness of atmosphere, changes of in temperature, freezingfreezing (except with respect to insured water pipes), heating, shrinkage, evaporation evaporation, loss of weight, leakage of contentsContents, exposure to light, pollution or contamination, change in colour or texture or finish, rust or corrosion, marring, scratching or crushing. This exclusion does not apply to loss or damage caused directly by a Named Peril and not otherwise excluded under this PART; F. by smoke from agricultural smudging or industrial operations; G. by rodents, insects or vermin but this exclusion does not apply to loss or damage caused directly by fire, lightning, explosion, impact by aircraft, spacecraft or land vehicle, riot, strike, vandalism, malicious acts, theft or attempt thereat or accident to transporting conveyance provided such perils are a peril otherwise insured and not otherwise excluded hereunderunder this PART; 6. H. by delay, loss of market or loss of use or occupancy; 7I. by, in respect to Building(s) as defined herein; i. snowslide, landslide, subsidence or other earth movement, except for ensuing loss or damage which results directly from fire, explosion, smoke, leakage from Fire Protective Equipment; ii. misappropriationexplosion, secretion(except with respect to explosion of natural, conversioncoal or manufactured gas), infidelity collapse, rupture, bursting, cracking, burning out or any dishonest manner of acquiring possession on the part the Insured or any other party of interest, employees or agents bulging of the following property owned, operated or controlled by the Insured: 1. moving or rotating machinery or parts thereof; or 2. steam or gas turbines; but this exclusion does not apply to loss or damage from any ensuing fire; or iii. settling, expansion, contraction, moving, shifting or cracking, unless concurrently caused by a peril not otherwise excluded; J. by the following: i. the portions containing steam or water under steam pressure of all boilers generating steam, and piping or other ii. piping and apparatus or parts thereof normally containing steam or water under steam pressure from an external source and while under such pressure; iii. other vessels and apparatus and pipes connected therewith, while under pressure, or while in use or in operation, provided their maximum normal internal working pressure exceeds 103 kilopascals (15 pounds per square inch) above atmospheric pressure; iv. moving or rotating machinery or parts thereof; K. by proximately or remotely arising in consequence of, or contributed to by the enforcement of any person by-law, regulation, ordinance or law regulating zoning or the demolition, repair, construction of buildings or structures, which by-law, regulation, ordinance or law makes it impossible to whom repair or reinstate the property may be entrusted (bailees for hire excepted)as it was immediately prior to the loss; 8. L. by wear and tear, tear or gradual deterioration; provided, however, to the extent otherwise insured and not otherwise excluded under this PART, resultant damage to property is insured; M. by latent defect, inherent vice, vice or the cost of making good faulty or improper material, faulty or improper workmanship, faulty or improper design, providedany defect or fault in material, howeverworkmanship, or design. However, if insured loss or damage directly results as a consequence of the defective or faulty material, workmanship, or design excluded above, the Insurer will be liable for said consequences. The Insurer will be liable for only those costs which are in addition to the extent otherwise insured costs of rectifying such defects or fault had the loss or damage not occurred. i. any boiler, pressure vessel, refrigerating system or any piping and not otherwise excluded under this Policy resultant damage accessory Equipment; or ii. any electrical or mechanical machine or apparatus used for the generation, transmission or utilization of mechanical or electrical power; or iii. any Electronic Data Processing and Word Processing Equipment which includes the component parts, and Electronic Data and Media up to the property limits provided under Section 10. EXTENSIONS OF COVERAGEG. COMPUTER EQUIPMENT, MEDIA & BREAKDOWN; which has been installed, full tested and contractually accepted by the Insured and which is insuredbeing or has been operated at the insured location(s), in the capacity for which it was designed, as part of the Insured’s normal production process or processes; 9. mysterious disappearance or shortage of equipment or stock disclosed on taking inventory.

PERILS EXCLUDED. This Coverage Form does not insure against loss or damage: a caused by wear and tear, gradual deterioration, insects, vermin, rodents, latent or mechanical defect, inherent vice, mechanical or electrical breakdown, scraping, scratching, dampness or dryness of atmosphere, corrosion, rust, freezing or extremes of temperature, contamination; b caused by or arising from mechanical or electrical breakdown or failure, adjusting or failure to adjust, improper set-up or failure to set-up, repairing, servicing, fueling or maintenance operations unless fire or explosion ensues and then only for the resulting loss or damage caused by such ensuing fire or explosion; c caused by clogging, compacting, plugging or piling up of material(s) intended to be ingested into a combine, baler or forage harvest equipment; d loss or damage caused by or resulting fromfrom delay, contributed loss of market, loss of use, or loss or shortage disclosed on taking inventory or making appraisal; e to tires, tracks or tubes unless the loss or damage is caused by fire, windstorm, theft or vandalism or is coincident with other loss or damage insured by this policy; f caused by or resulting from exceeding the manufacturer’s rated capacity of the equipment; g sustained while the property insured is actually being worked upon and directly resulting therefrom unless fire or indirectly by:explosion ensues and then only for loss or damage caused by such ensuing fire or explosion; h occasioned by the neglect of the Insured to use all reasonable means to save and preserve the insured property; j by explosion to any pressure vessel or internal combustion engine in which the explosion originates; k caused by or resulting from misappropriation, secretion, conversion, infidelity or any dishonest act on the part of the Insured or other party of interest, his or their employees or agents or others to whom the property may be entrusted (carriers for hire excepted). l in whole or in part by war, invasion of foreign enemy, hostilities (whether war is declared or not), civil war, rebellion, revolution, insurrection or military power. This exclusion applies whether or not there are one or more other cause or events (whether covered or not) that contribute concurrently or in any sequence to the occasioning of the loss or damage; 1. earthquake(i) by any nuclear incident (as defined in the Nuclear Liability Act or any other nuclear liability act, law or statute, or any amending law) or nuclear explosion, except for ensuing loss or damage which results directly from fire, explosionlightning or explosion of natural, smoke coal or leakage from fire protective equipmentmanufactured gas; 2. flood, including waves, tidal waves, or the rising of, the breaking out or the overflow of, any body of water, whether natural or man-made, but this exclusion does not apply (ii) by contamination by radioactive material; n (i) to ensuing loss or damage which results from fire, explosion, smoke or leakage from fire protective equipment or from a watermain“data”; exclusions 1. and 2. do not apply to property in transit; 3. cessation of work or by interruption of construction, unless directly caused by a peril otherwise insured and not otherwise excluded hereunder; 4. centrifugal force, mechanical or electrical breakdown or derangement in or on the premises, unless fire ensues and then only for the loss or damage caused by such ensuing fire; 5. dampness or dryness of atmosphere, changes of temperature, freezing, heating, shrinkage, evaporation loss of weight, leakage of contents, exposure to light, pollution or contamination, change in colour or texture or finish, rust or corrosion, marring, scratching or crushing, but this exclusion does not apply to loss or damage caused directly by fire, lightning, explosion, impact by aircraft, spacecraft or land vehicle, riot, strike, vandalism, malicious acts, theft or attempt thereat or accident to transporting conveyance provided such perils are not otherwise excluded hereunder; 6. delay, loss of market or loss of use or occupancy; 7. misappropriation, secretion, conversion, infidelity or any dishonest manner of acquiring possession on the part the Insured or any other party of interest, employees or agents of the Insured, or any person to whom the property may be entrusted (bailees for hire excepted); 8. wear and tear, gradual deterioration, latent defect, inherent vice, or the cost of making good faulty or improper material, faulty or improper workmanship, faulty or improper design, provided, however, to the extent otherwise insured and not otherwise excluded under this Policy resultant damage to the property is insured; 9. mysterious disappearance or shortage of equipment or stock disclosed on taking inventory.