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Ginger 2025 Insurance Update -,-� , -� Utica First Insurance Company TIC '. � PO Box 0-4 Utica, / 13503-0851•� Telephone 800-456-4556/Fax 315-768-4408 ! N S U R A N C E C 0 M P A N Y www.uticafirst.com POLICY NUMBER: BOP3000559840 City of Salem, Salem Redevelopment Autho 93 Washington St Salem, MA 01970 Insured: GINGER SEAFOOD, ALOHA GINGER REST GROUP INC 118 WASHINGTON ST SALEM, MA 01970 Agent: Rfd 406A Advisors Inc dba Sterling Insurance Group 31 Beach St Unit 203 Vineyard Haven, MA 02568 508-687-2750 f?EFC'E1 VED AUG 25 2025 DEPT' OF PLANNING COMMUNrry DEVELOPMENT& UTICA FIRST INSURANCE COMPANY CONSTITUTED IN OHIO AS UTICA FIRST INSURANCE COMPANY (MUTUAL) Home Office: 5981 Airport Rd, Oriskany, NY 13424 Mailing Address: PO Box 851, Utica, NY 13503-0851 Phone: 800-456-4556 BUSINESSOWNERS PROGRAM DECLARATIONS Policy Number: BOP3000559840 Transaction Type: Renewal Billing Type: Direct Billed Named Insured and Mailing Address: GINGER SEAFOOD, ALOHA GINGER REST GROUP INC 118 WASHINGTON ST SALEM, MA 01970 Agent: Rfd 406A Advisors Inc dba Sterling Insurance Group 31 Beach St Unit 203 Vineyard Haven, MA 02568 Policy Period: 12:01 A.M. Standard Time at Location of Designated Premises. From 10/18/2025 to 10/18/2026 IN RETURN FOR PAYMENT OF THE REQUIRED PREMIUM, WE WILL PROVIDE THE INSURANCE AS DESCRIBED IN THIS POLICY. Terrorism Coverage: $97.00 ANNUAL PREMIUM: $6,363.00 Our Authorized Representative and Countersignature Date 08/13/2025 BPDEC 0919 Page 1 of 5 UTICA FIRST INSURANCE COMPANY Fr2 CONSTITUTED IN OHIO AS UTICA FIRST INSURANCE COMPANY (MUTUAL) Home Office: 5981 Airport Rd, Oriskany, NY 13424 Mailing Address: PO Box 851, Utica, NY 13503-0851 Phone: 800-456-4556 Policy Number: BOP3000559840 Policy Period: 10/18/2025— 10/18/2026 Class Description: Restaurant GENERAL LIABILITY COVERAGE Limit of Insurance Each Occurrence Limit $1,000,000 General Aggregate Limit—other than Products/Completed Work $2,000,000 Aggregate Limit— Products/Completed Work $2,000,000 Medical Payments Limit $5,000 Personal &Advertising Injury Limit $1,000,000 Fire Legal Liability Limit $250,000 Liability Premium: $1,111 Location Schedule Location: 118 WASHINGTON ST, SALEM, Building Description: BUILDING NO 00001 MA 01970 Building#1 Year Constructed: 1958 Square Foot: 2400 Construction: Joisted Masonry County: Essex Protective Devices: Local, Central Station, Sprinklered Valuation: Replacement Cost Cause of Loss: BP0200- Special Limit Premium Building Coverage $378,743 $1,795 Business Personal Property $63,124 $424 Loss of Income Actual Loss Sustained Included Property Deductible $1,000 Equipment Breakdown See Form $298 BPDEC 0919 Page 2 of 5 UTICA FIRST INSURANCE COMPANY CONSTITUTED IN OHIO AS UTICA FIRST INSURANCE COMPANY (MUTUAL) Home Office: 5981 Airport Rd, Oriskany, NY 13424 Mailing Address: PO Box 851, Utica, NY 13503-0851 Phone: 800-456-4556 Policy Number: BOP3000559840 Policy Period: 10/18/2025— 10/18/2026 ADDITIONAL INSUREDS State/Political City of Salem, Salem Redevelopment Authority Premises Permits: 93 Washington St Salem, MA 01970 PACKAGE ENDORSEMENT Premium Package Endorsement Premium: APPETIZER 2 $625 Coverage Limit Accounts Receivable $10,000 Additional Debris Removal $5,000 Additional Expense $2,000 Backup of Sewers or Drains $10,000 Business Credit Card, Forgery, And Counterfeit Money $5,000 Business Property At Newly Acquired Locations $10,000 Computer Coverage $10,000 Credit Card Receipts Coverage $5,000 Demolition Coverage $5,000 Employee Dishonesty $10,000 Exterior Signs $5,000 Fire Legal Liability $250,000 Glass Coverage $5,000 Lock Replacement $1,000 Money And Securities $10,000 Refrigerated Food Products $25,000 Trees, Plants, And Shrubs $5,000 Utility Interruption $5,000 Utility Service Disruption Time Element Coverage $10,000 Valuable Papers And Records $10,000 OPTIONAL LIABILITY COVERAGE LIST (See Forms for Coverage Terms and Conditions) Coverage Limit Premium Lessor of Premises See Form $19 Liquor Legal Liability $1,000,000 $1568 BPDEC 0919 Page 3 of 5 UTICA FIRST INSURANCE COMPANY CONSTITUTED IN OHIO AS UTICA FIRST INSURANCE COMPANY (MUTUAL) Home Office: 5981 Airport Rd, Oriskany, NY 13424 Mailing Address: PO Box 851, Utica, NY 13503-0851 Phone: 800-456-4556 Policy Number: BOP3000559840 Policy Period: 10/18/2025— 10/18/2026 Cyber Liability See Form $298 Nonowned Hired Auto Liability $1,000,000 $128 ADDITIONAL PROPERTY COVERAGES (INCLUDED AT NO CHARGE) (See Forms for Coverage Terms and Conditions) Coverage Limit Antennas, Fences, Or Signs $2,500/$1,000 Counterfeit Money Or Money Orders $1,000 Debris Removal 25% of direct damage Fire Department Service Charges $2,500 Forgery $2,500 Increased Cost- Ordinance or Law $10,000 Inventory and Appraisal Expenses $2,500 Limited Fungus And Related Perils $15,000 Lock and Key Replacement $10,000 Pollutant Clean Up And Removal $5,000 Recharge of Fire Extinguishing Equipment $5,000 EXTENSIONS OF COVERAGE (INCLUDED AT NO CHARGE) (See Forms for Coverage Terms and Conditions) Coverage Limit Building Property- Off Premises $5,000 Newly Acquired Buildings $250,000 Trees, Shrubs, And Plants $2,500/$1,000 Accounts Receivable $10,000 Business Property - Newly Acquired $100,000 Business Property—Off Premises $10,000 Data Records And Programs $10,000 Personal Effects $2,500 Valuable Papers and Records $10,000 Signs Away From The Premises $2,000 Trees, Plants, And Shrubs $2,000 Utility Interruption $5,000 Valuable Papers And Records $25,000 BPDEC 0919 Page 4 of 5 UTICA FIRST INSURANCE COMPANY CONSTITUTED IN OHIO AS UTICA FIRST INSURANCE COMPANY (MUTUAL) Home Office: 5981 Airport Rd, Oriskany, NY 13424 Mailing Address: PO Box 851, Utica, NY 13503-0851 Phone: 800-456-4556 Policy Number: BOP3000559840 Policy Period: 10/18/2025— 10/18/2026 FORMS INVENTORY POLICY FORMS BP 0432 1220 Amendatory Endorsement Massachusetts BP 0676 06 12 Exclusion Fungus or Related Perils BP 0722 01 04 Punitive Damages Exclusion ML 0223 01 04 Lead Liability Exclusion BP 0736 01 04 Exclusion Abuse or Molestation BP 0798 01 15 Exclusion Data Breach Liability BP 0816 01 15 Policy Amendatory Endorsement BP 0838 1005 Silica Exclusion BP 0839 1005 Asbestos Exclusion BP 0868 0612 Cross Liability Exclusion UA 504B 01 17 Protective Safeguard Endorsement BP 0680 01 04 Exclusion Damage to Work Performed by Insured BP 0750 01 15 Certified Terrorism Loss APPT2 2.0 Appetizer 2 Endorsement BP 0200 0612 Businessowners Special Policy BP 0331 01 04 Protective Devices BP 001 0718 Equipment Breakdown Endorsement CYBDN 1.0 Cyber Disclosure Notice UFLL3 0218 Liquor Liability Coverage Form BP 0333 01 04 Non owned Hired Auto Liability Coverage UFCYBCOV 0116 Cyber Liability Insurance UFCYBSD 01 16 Cyber Supplemental Declarations BP 0704 01 04 Additional Insured State or Political Subdivision Premises Permits BP 0845 1005 Additional Insured Lessor of Premises BP 0678 01 04 Exclusion Exterior Insulation and Finish Systems PRIV 0401 Privacy Notice CL 0605 0221 Certified Terrorism Loss Disclosure of Premium and Federal Share of Insured Losses CL 1045 0221 Policyholder Disclosure Notice of Terrorism Insurance Coverage DNCOMDIS 0822 Important Notice Exclusion - Communicable Disease BP 0858 0909 Communicable Disease Exclusion UFEBM 11 23 ELECTRIC OR MOTORIZED BICYCLE/SCOOTER EXCLUSION DNUFBM 11 23 IMPORTANT NOTICE ELECTRIC OR MOTORIZED BICYCLE/SCOOTER EXCLUSION BP 0684 0821 Cannabis Liability Exclusion DNCANB 0424 Important Notice - Cannabis Exclusions BP 0683 0821 Cannabis Property Exclusion BPDEC 0919 Page 5 of 5 AAIS This endorsement changes the Commercial BP 0704 01 04 Liability Coverages provided by this policy Page 1 of 1 -- PLEASE READ THIS CAREFULLY-- ADDITIONAL INSURED STATE OR POLITICAL SUBDIVISIONS - PREMISES PERMITS (Entries required to complete the Schedule will be shown below or on the "declarations".) SCHEDULE State or Political Subdivision: City of Salem, Salem Redevelopment Authority 93 Washington St Salem, MA 01970 The Commercial Liability Coverages are amended as follows: ADDITIONAL DEFINITIONS The definition of "insured" is amended to include any state or political subdivision shown in the Schedule, but only with respect to any of the following hazards for which the state or political subdivision has issued a permit in connection with premises owned by, rented to, or controlled by "you" and to which these Commercial Liability Coverages apply: 1. the existence, maintenance, repair, construction, erection, or removal of advertising signs, awnings, canopies, cellar entrances, coal holes,driveways, manholes, marquees, hoistway openings, sidewalk vaults, street banners, or decorations and similar exposures; 2. the construction, erection, or removal of elevators; or 3. the ownership, maintenance, or use of any elevators to which these Commercial Liability Coverages apply BP 0704 01 04 Copyright,American Association of Insurance Services,Inc.,2004