Common use of Premises Insurance Clause in Contracts

Premises Insurance. During the Term Landlord shall maintain special form property insurance (including inflation endorsement, sprinkler leakage endorsement, and, at Landlord’s option, earthquake and flood coverage) on the Building and the Adjacent Building(s), excluding coverage of all Tenant’s Personal Property located on or in the Premises, but including the Tenant Improvements, if any are provided for in Paragraph 9 of this Lease. Such insurance shall also include insurance against loss of rents, including, at Landlord’s option, earthquake and flood, in an amount equal to the Monthly Rent and Additional Rent, and any other sums payable under the Lease, for a period of at least twelve (12) months commencing on the date of loss. Such insurance shall name Landlord and its Agents as named insureds and include a lender’s loss payable endorsement in favor of Landlord’s lender (Form 438 BFU Endorsement). Tenant shall reimburse Landlord for Tenant’s Project Percentage of Landlord’s annual cost of such insurance as Additional Rent, monthly on the first day of each calendar month of the Term, prorated for any partial month, or on such other periodic basis as Landlord shall elect. If the Project insurance premiums are increased after the Commencement Date, due to an increase in the value of the Building or the Adjacent Building(s) or their replacement cost, Tenant shall pay Tenant’s Percentage of such increase within ten (10) days of notice of such increase. If such insurance premiums are increased due to Tenant’s use of the Premises, improvements installed by Tenant, or any other cause solely attributable to Tenant, Tenant shall be required to pay the full amount of the increase.

Premises Insurance. During the Term Landlord shall maintain causes of loss-special form property insurance (including inflation endorsement, sprinkler leakage endorsement, and, at Landlord’s option, earthquake and flood coverage) on the Building and the Adjacent Building(s)Building, excluding coverage of all Tenant’s Personal Property located on or in the Premises, but including Premises and the Tenant Improvements, if any are provided for in Paragraph 9 of this Lease. furniture listed on Exhibit D. Such insurance shall also include insurance against loss of rents, including, at Landlord’s option, coverage for earthquake and flood, in an amount equal to the Monthly Rent and Additional Rent, and any other sums payable under the Lease, for a period of at least twelve (12) months commencing on the date of loss. Such insurance shall name Landlord and its Landlord’s Agents as named insureds and include a lender’s loss payable endorsement in favor of Landlord’s lender (Form 438 BFU Endorsement). Tenant shall reimburse Landlord monthly, as Additional Rent, for Tenant’s Project Percentage Building Share of Landlord’s one-twelfth (12th) of the annual cost of such insurance as Additional Rent, monthly on the first day of each calendar month of the Term, prorated for any partial month, or on such other periodic basis as Landlord shall elect. If the Project insurance premiums are increased after the Commencement DateDate for any reason, including without limitation due to an increase in the value of the Building or the Adjacent Building(s) or their its replacement cost, or due to Tenant’s use of the Premises or any improvements installed by Tenant. Tenant shall pay for Tenant’s Percentage Building Share of such increase within ten (10) days of notice of such increase. If such Landlord may, in its sole discretion, maintain the insurance premiums are increased due to Tenant’s use coverage described in this Paragraph 21.C as part of the Premises, improvements installed an umbrella insurance policy covering other properties owned by Tenant, or any other cause solely attributable to Tenant, Tenant shall be required to pay the full amount of the increaseLandlord.

Premises Insurance. During the Term Term, as well as during any period ------------------ of early entry, Landlord shall maintain "All Risk" or "causes of loss - special form form" property insurance (including without limitation vandalism, malicious mischief, inflation endorsement, sprinkler leakage endorsement, and, . at Landlord’s 's option, earthquake and flood coverage) on the Building Premises in the full amount of the replacement cost, as the same may from time to time increase as a result of inflation or otherwise and shall be in a form providing coverage comparable to coverage in the Adjacent Building(s), excluding standard ISO All-Risk form. Such insurance shall exclude coverage of all Tenant’s 's Personal Property located on or in the Premises, but including shall include the Tenant Improvements. Notwithstanding the above, if any are provided for in Paragraph 9 during the period of this Leaseearly entry, Landlord may elect to carry course of construction insurance providing similar coverage. Such The property insurance shall also include insurance against loss of rentsrents on an "All Risk" basis, including, at Landlord’s option, including earthquake and flood, in an amount equal to the Monthly Rent and Additional Rent, and any other sums payable under the Lease, for a period of at least twelve (12) not to exceed 12 months commencing on from the date of loss. Such insurance shall name Landlord and its Landlord's Agents as named insureds and include a lender’s 's loss payable endorsement in favor of Landlord’s 's lender (Form 438 BFU Endorsement). Tenant shall reimburse Landlord for Tenant’s Project Percentage of Landlord’s annual cost the costs of such insurance as Additional Rentpolicy, monthly on the first day of each calendar month of the Term, prorated for any partial monthmonthly, or on upon such other periodic basis as Landlord shall elect. If the Project insurance premiums are increased after the Commencement Date, due to an increase in the value of the Building or the Adjacent Building(s) or their replacement costincreased, Tenant shall pay Tenant’s Percentage of such increase within ten (10) 10 days of notice of such increase. If such If, however, Landlord elects to maintain earthquake insurance premiums are increased due to Tenant’s use of coverage for the Premises, improvements installed by Tenant, or any other cause solely attributable to Tenant, Premises as permitted herein. Tenant shall be required to pay the full amount only such portion of the increasepremium for such insurance coverage as is then considered to be a commercially reasonable rate for such insurance for properties similar to the Premises, but in no event shall Tenant be required to pay more than $45,000.00 per year for earthquake insurance premiums.

Premises Insurance. During the Term Landlord shall maintain causes of loss-special form property insurance (including inflation endorsement, sprinkler leakage endorsement, and, at Landlord’s 's option, earthquake and flood coverage) on the Building and the Adjacent Building(s)Building, excluding coverage of all Tenant’s 's Personal Property located on or in the Premises, but including the Tenant Improvements, if any are provided for in Paragraph 9 of this Lease. Such insurance shall also include insurance against loss of rents, including, at Landlord’s 's option, coverage for earthquake and flood, in in' an amount equal to the Monthly Rent and Additional Rent, and any other sums payable under the Lease, for a period of at least twelve (12) months commencing on the date of loss. Such insurance shall name Landlord and its Landlord's Agents as named insureds and include a lender’s 's loss payable endorsement in favor of Landlord’s 's lender (Form 438 BFU Endorsement). Tenant shall reimburse Landlord monthly, as Additional Rent, for Tenant’s Project Percentage 's Building Share of Landlord’s one-twelfth (12th) of the annual cost of such insurance as Additional Rent, monthly on the first day of each calendar month of the Term, prorated for any partial month, or on such other periodic basis as Landlord shall elect. If the Project insurance premiums are increased after the Commencement DateDate for any reason, including without limitation due to an increase in the value of the Building or the Adjacent Building(s) or their its replacement cost, or due to Tenant's use of the Premises or any improvements installed by Tenant, Tenant shall pay for Tenant’s Percentage 's Building Share of such increase within ten (10) days of notice of such increase. If such Landlord may, in its sole discretion, maintain the insurance premiums are increased due to Tenant’s use coverage described in this Paragraph 21.C as part of the Premises, improvements installed an umbrella insurance policy covering other properties owned by Tenant, or any other cause solely attributable to Tenant, Tenant shall be required to pay the full amount of the increaseLandlord.

Premises Insurance. During the Term Landlord shall maintain causes of loss - special form property insurance (including inflation endorsement, sprinkler leakage endorsement, and, at Landlord’s 's option, earthquake and flood coverage) on the Building and the Adjacent Building(s)Building, excluding coverage of all Tenant’s 's Personal Property located on or in the Premises, but including the Tenant Improvements, if any are provided for in Paragraph 9 of this Lease. Such insurance shall also include insurance against loss of rents, including, at Landlord’s 's option, coverage for earthquake and flood, in an amount equal to the Monthly Rent and Additional Rent, and any other sums payable under the Lease, for a period of at least twelve (12) months commencing on the date of loss. Such insurance shall name Landlord and its Agents as named insureds and include a lender’s 's loss payable endorsement in favor of Landlord’s 's lender (Form 438 BFU Endorsement). The deductible payable under any causes of loss - special form policy of insurance (or its equivalent) maintained by Landlord on the Building shall not exceed $250,000 per occurrence without the prior written consent of Tenant and, for as long as the Building is insured by Landlord under a policy that covers all of the buildings within the Property and, if applicable, all of the buildings within the Project, such deductible shall apply in the aggregate to all of the buildings within the Property and, if applicable, to all of buildings within the Project, on a per occurrence basis. Tenant shall reimburse Landlord monthly, as Additional Rent, for Tenant’s Project Percentage one-twelfth (12th) of Landlord’s the annual cost of such insurance as Additional Rent, monthly on the first day of each calendar month of the Term, prorated for any partial month, or on such other periodic basis as Landlord shall elect. If the Project insurance premiums are increased after the Commencement Date, Date due to an increase in the value of the Building or the Adjacent Building(s) or their its replacement cost, or due to Tenant's use of the Premises or any improvements installed by Tenant, Tenant shall pay Tenant’s Percentage of such increase within ten (10) days of notice of such increase. If such If, however, Landlord elects to maintain a policy or policies of earthquake insurance premiums are increased due to Tenant’s use of on the Premises, improvements installed by Tenant, or any other cause solely attributable to TenantBuilding, Tenant shall be required to pay reimburse Landlord for any premiums allocable to such insurance policies only if Landlord maintains such insurance coverage on all buildings within the full amount of the increaseProject and such insurance is available at commercially reasonable rates.

Premises Insurance. During the Term Landlord shall maintain causes ------------------ of loss-special form property insurance (including inflation endorsement, endorsement sprinkler leakage endorsement, and, at Landlord’s 's option, earthquake and flood coverage) on the Building and the Adjacent Building(s)Building, excluding coverage of all Tenant’s 's Personal Property located on or in the Premises, but including the Tenant Improvements, if any are provided for in Paragraph 9 of this Lease. Such insurance shall also include insurance against loss of rents, including, at Landlord’s 's option, coverage for earthquake and flood, in an amount equal to the Monthly Rent and Additional Rent, and any other sums payable under the Lease, for a period of at least twelve (12) months commencing on the date of loss. Such insurance shall name Landlord and its Agents as named insureds and include a lender’s 's loss payable endorsement in favor of Landlord’s 's lender (Form 438 BFU Endorsement). The deductible payable under any causes of loss - special form policy of insurance (or its equivalent) maintained by Landlord on the Building shall not exceed $250,000 per occurrence without the prior written consent of Tenant and, for as long as the Building is insured by Landlord under a policy that covers all of the buildings within the Property and, if applicable, all of the buildings within the Project, such deductible shall apply in the aggregate to all of the buildings within the Property and, if applicable, to all of buildings within the Project, on a per occurrence basis. Tenant shall reimburse Landlord monthly, as Additional Rent, for Tenant’s Project Percentage one-twelfth (12th) of Landlord’s the annual cost of such insurance as Additional Rent, monthly on the first day of each calendar month of the Term, prorated for any partial month, or on such other periodic basis as Landlord shall elect. If the Project insurance premiums are increased after the Commencement Date, Date due to an increase in the value of the Building or the Adjacent Building(s) or their its replacement cost, or due to Tenant's use of the Premises or any improvements installed by Tenant, Tenant shall pay Tenant’s Percentage of such increase within ten (10) days of notice of such increase. If such If, however, Landlord elects to maintain a policy or policies of earthquake insurance premiums are increased due to Tenant’s use of on the Premises, improvements installed by Tenant, or any other cause solely attributable to TenantBuilding, Tenant shall be required to pay reimburse Landlord for any premiums allocable to such insurance policies only if Landlord maintains such insurance coverage on all buildings within the full amount of the increaseProject and such insurance is available at commercially reasonable rates.

Premises Insurance. During the Term Landlord shall maintain causes of loss-special form property insurance (including inflation endorsement, sprinkler leakage endorsement, and, at Landlord’s 's option, earthquake and flood coverage) on the Building and the Adjacent Building(s)Building, excluding coverage of all Tenant’s 's Personal Property located on or in the Premises, but including the Tenant Improvements, if any are provided for in Paragraph 9 of this Lease. Such insurance shall also include insurance against loss of rents, including, at Landlord’s 's option, coverage for earthquake and flood, in an amount equal to the Monthly Rent and Additional Rent, and any other sums payable under the Lease, for a period of at least twelve (12) months commencing on the date of loss. Such insurance shall name Landlord and its Landlord's Agents as named insureds and include a lender’s 's loss payable endorsement in favor of Landlord’s 's lender (Form 438 BFU Endorsement). Tenant shall reimburse Landlord monthly, as Additional Rent, for Tenant’s Project Percentage one-twelfth (12th) of Landlord’s the annual cost of such insurance as Additional Rent, monthly on the first day of each calendar month of the Term, prorated for any partial month, or on such other periodic basis as Landlord shall elect. If the Project insurance premiums are increased after the Commencement DateDate for any reason, including without limitation due to an increase in the value of the Building or the Adjacent Building(s) or their its replacement cost, or due to Tenant's use of the Premises or any improvements installed by Tenant, Tenant shall pay Tenant’s Percentage of such increase within ten (10) days of notice of such increase. If such Landlord may, in its sole discretion, maintain the insurance premiums are increased due to Tenant’s use coverage described in this Paragraph 21.C as part of the Premises, improvements installed an umbrella insurance policy covering other properties owned by Tenant, or any other cause solely attributable to Tenant, Tenant shall be required to pay the full amount of the increaseLandlord.

Premises Insurance. During the Term Landlord shall maintain ------------------ "all-risk" or causes of loss - special form property insurance (including vandalism, malicious mischief, inflation endorsement, sprinkler leakage endorsement, and, at Landlord’s option, ) and earthquake and flood coverage) insurance on the Building and in the Adjacent Building(s)full amount of the replacement cost thereof, excluding coverage of all Tenant’s 's Personal Property or Alterations located on or in the Premises, but including the Tenant Improvements, if any are provided for in Paragraph 9 of this Lease. Such insurance shall also include insurance against loss of rents, including, at Landlord’s option, rents on an all-risk basis and coverage for earthquake and flood, in an amount equal to the Monthly Rent and Additional Rent, and any other sums payable under the Lease, for a period of at least twelve (12) months commencing on the date of loss. Such insurance shall name Landlord and its Landlord's Agents as named insureds and include a lender’s 's loss payable endorsement in favor of Landlord’s 's lender (Form 438 BFU Endorsement). Tenant shall reimburse Landlord for Tenant’s Project Percentage of Landlord’s annual cost of such insurance annually, as Additional Rent, monthly on for the annual premiums for such insurance within thirty (30) days after Tenant's receipt of an invoice therefor. For the first day of each calendar month year of the Term, prorated the total premiums for any partial monthLandlord's insurance, or on such other periodic basis as Landlord including earthquake insurance, shall electnot exceed Eighteen Thousand Five Hundred and no/100ths Dollars ($18,500.00). If the Project property insurance premiums are increased after the Commencement Date, due to an increase in the value of the Building or the Adjacent Building(s) or their its replacement cost, or due to Tenant's use of the Premises or any improvements installed by in the Building by Tenant, Tenant shall pay Tenant’s Percentage of such increase within ten (10) days of notice of such increase. If such Any insurance premiums are increased due to Tenant’s use of maintained by Landlord covering the Premises, improvements installed by Tenant, or any other cause solely attributable to Tenant, Premises and/or the Tenant Improvements shall be required primary to pay and not contributing with any insurance maintained by Tenant covering the full amount of Premises and/or the increaseTenant Improvements, which insurance shall be considered excess insurance only.

Premises Insurance. During the Term Landlord shall maintain causes of loss-special form property insurance (including inflation endorsement, sprinkler leakage endorsement, and, at Landlord’s option, earthquake and flood coverage) on the Building and the Adjacent Building(s)Building, excluding coverage of all Tenant’s Personal Property located on or in the Premises, but including the Tenant Improvements, if any are provided for in Paragraph 9 of this Lease. Such insurance shall also include insurance against loss of rents, including, at Landlord’s option, coverage for earthquake and flood, in an amount equal to the Monthly Rent and Additional Rent, and any other sums payable under the Lease, for a period of at least twelve (12) months commencing on the date of loss. The amount of coverage of Landlord’s insurance hereunder shall be determined by Landlord from time to time in its reasonable discretion but the property insurance shall not be less than 100% of full replacement value of the Building. Such insurance shall name Landlord and its Landlord’s Agents as named insureds and include a lender’s loss payable endorsement in favor of Landlord’s lender (Form 438 BFU Endorsement). Tenant shall reimburse Landlord monthly, as Additional Rent, for Tenant’s Project Percentage Building Share of Landlord’s one-twelfth (12th) of the annual cost of such insurance as Additional Rent, monthly on the first day of each calendar month of the Term, prorated for any partial month, or on such other periodic basis as Landlord shall elect. If the Project insurance premiums are increased after the Commencement DateDate for any reason, including without limitation due to an increase in the value of the Building or the Adjacent Building(s) or their its replacement cost, or due to Tenant’s use of the Premises or any improvements installed by Tenant, Tenant shall pay for Tenant’s Percentage Building Share of such increase within ten (10) days of notice of such increase. If such Landlord may, in its sole discretion, maintain the insurance premiums are increased due to Tenant’s use coverage described in this Paragraph 21.C as part of the Premises, improvements installed an umbrella insurance policy covering other properties owned by Tenant, or any other cause solely attributable to Tenant, Tenant shall be required to pay the full amount of the increaseLandlord.

Premises Insurance. During the Term Landlord shall maintain causes ------------------ of loss-special form property insurance (including inflation endorsement, sprinkler leakage endorsement, and, at Landlord’s 's option, earthquake and flood coverage) on the Building and the Adjacent Building(s)Building, excluding coverage of all Tenant’s 's Personal Property located on or in the Premises, but including the Tenant Improvements, if any are provided for security system described in Paragraph 9 of this Lease. 38, ------------ the voice and data system described in Paragraph 39 and the furniture and ------------ equipment listed on Exhibit C. Such insurance shall also include insurance --------- against loss of rents, including, at Landlord’s 's option, coverage for earthquake and flood, in an amount equal to the Monthly Rent and Additional Rent, and any other sums payable under the Lease, for a period of at least twelve (12) months commencing on the date of loss. Such insurance shall name Landlord and its Landlord's Agents as named insureds and include a lender’s 's loss payable endorsement in favor of Landlord’s 's lender (Form 438 BFU Endorsement). Tenant shall reimburse Landlord monthly, as Additional Rent, for Tenant’s Project Percentage 's Building Share of Landlord’s one-twelfth (12th) of the annual cost of such insurance as Additional Rent, monthly on the first day of each calendar month of the Term, prorated for any partial month, or on such other periodic basis as Landlord shall elect. If the Project insurance premiums are increased after the Commencement DateDate for any reason, including without limitation due to an increase in the value of the Building or the Adjacent Building(s) or their its replacement cost, or due to Tenant's use of the Premises or any improvements installed by Tenant, Tenant shall pay for Tenant’s Percentage 's Building Share of such increase within ten (10) days of notice of such increase. If such Landlord may, in its sole discretion, maintain the insurance premiums are increased due to Tenant’s use coverage described in this Paragraph 21.C as part of the Premises, improvements installed an umbrella insurance policy covering other -------------- properties owned by Tenant, or any other cause solely attributable to Tenant, Tenant shall be required to pay the full amount of the increaseLandlord.

Premises Insurance. During the Term Landlord shall maintain causes of loss - special form property insurance (including inflation endorsement, sprinkler leakage endorsement, and, at Landlord’s 's option, earthquake and flood coverage) on the Building and the Adjacent Building(s)Buildings, excluding coverage of all Tenant’s 's Personal Property located on or in the Premises, but including the Tenant Improvements, if any are provided for in Paragraph 9 of this Lease. Such insurance shall also include insurance against loss of rents, including, at Landlord’s 's option, coverage for earthquake and flood, in an amount equal to the Monthly Rent and Additional Rent, and any other sums payable under the Lease, for a period of at least twelve (12) months commencing on the date of loss. Such insurance shall name Landlord and its Agents as named insureds and include a lender’s 's loss payable endorsement in favor of Landlord’s 's lender (Form 438 BFU Endorsement). The deductible payable under any causes of loss - special form policy of insurance (or its equivalent) maintained by Landlord on the Buildings shall not exceed $250,000 per occurrence without the prior written consent of Tenant and, for as long as the Buildings are insured by Landlord under a policy that covers all of the buildings within the Property and, if applicable, all of the buildings within the Project, such deductible shall apply in the aggregate to all of the buildings within the Property and, if applicable, to all of the buildings within the Project, on a per occurrence basis. Tenant shall reimburse Landlord monthly, as Additional Rent, for Tenant’s Project Percentage one-twelfth (12th) of Landlord’s the annual cost of such insurance as Additional Rent, monthly on the first day of each calendar month of the Term, prorated for any partial month, or on such other periodic basis as Landlord shall elect. If the Project insurance premiums are increased after the Commencement Date, Date due to an increase in the value of the Building or the Adjacent Building(s) Buildings or their replacement cost, or due to Tenant's use of the Premises or any improvements installed by Tenant, Tenant shall pay Tenant’s Percentage of such increase within ten (10) days of notice of such increase. If such If, however, Landlord elects to maintain a policy or policies of earthquake insurance premiums are increased due to Tenant’s use of on the Premises, improvements installed by Tenant, or any other cause solely attributable to TenantBuildings, Tenant shall be required to pay reimburse Landlord for any premiums allocable to such insurance policies only if Landlord maintains such insurance coverage on all buildings within the full amount of the increaseProject and such insurance is available at commercially reasonable rates.

Premises Insurance. During the Term Landlord shall maintain ------------------ causes of loss-special form property insurance (including inflation endorsement, sprinkler leakage endorsement, and, at Landlord’s 's option, earthquake and flood coverage) on the Building and the Adjacent Building(s)Building, excluding coverage of all Tenant’s 's Personal Property located on or in the Premises, but including the Tenant Improvements, if any are provided for in Paragraph 9 of this Lease. Such insurance shall also include insurance against loss of rents, including, at Landlord’s 's option, coverage for earthquake and flood, in an amount equal to the Monthly Rent and Additional Rent, and any other sums payable under the Lease, for a period of at least twelve (12) months commencing on the date of loss. Such insurance shall name Landlord and its Landlord's Agents as named insureds and include a lender’s 's loss payable endorsement in favor of Landlord’s 's lender (Form 438 BFU Endorsement). Tenant shall reimburse Landlord monthly, as Additional Rent, for Tenant’s Project Percentage one-twelfth (12th) of Landlord’s the annual cost of such insurance as Additional Rent, monthly on the first day of each calendar month of the Term, prorated for any partial month, or on such other periodic basis as Landlord shall elect. If the Project insurance premiums are increased after the Commencement DateDate for any reason, including without limitation due to an increase in the value of the Building or the Adjacent Building(s) or their its replacement cost, or due to Tenant's use of the Premises or any improvements installed by Tenant, Tenant shall pay Tenant’s Percentage of such increase within ten (10) days of notice of such increase. If Landlord may, in its sole discretion, maintain the insurance coverage described in this Paragraph 21.C as part of an umbrella insurance policy covering other -------------- properties owned by Landlord. Notwithstanding the foregoing, so long as the original Landlord under this Lease continues to be the Landlord under this Lease, and subject to the following conditions, Tenant may elect to carry the insurance required by this Paragraph 21.C if Tenant is able to obtain the -------------- coverage required hereunder at a cost less than that charged by Landlord's insurer. Tenant's right to carry such insurance premiums are increased due to Tenant’s use of the Premises, improvements installed by Tenant, or any other cause solely attributable to Tenant, Tenant shall be required subject to pay the full amount of following conditions: (i) all Holders, defined below, shall have approved Tenant's right to carry such insurance, (ii) such insurance shall name Landlord, and all parties designated by Landlord, as additional insureds, and (iii) such insurance shall provide Landlord with at least the increasesame coverage and rights as Landlord would be entitled to receive if Landlord had obtained such insurance.

Premises Insurance. During the Term Landlord shall maintain special form "All Risk" property insurance insurance, (including inflation endorsement, sprinkler leakage endorsement, and, at Landlord’s 's option, earthquake and flood coverage) on the Building and the Adjacent Building(s)Building, excluding coverage of all Tenant’s 's Personal Property located on or in the Premises, but including the Tenant ImprovementsOwned Alterations, if any are provided for in Paragraph 9 of this LeaseUtility Installations, and Trade Fixtures. Such insurance shall also include insurance against loss of rentsrents on all "All Risk" basis, including, at Landlord’s 's option, earthquake and flood, in an amount equal to the Monthly Annual Base Rent and Additional RentTenant's Share of Operating Expenses, and any other sums payable under the Lease, for a period of at least twelve (12) months commencing on the date of loss. Such insurance shall name Landlord and its Agents as named insureds insured and include a lender’s 's loss payable endorsement in favor of Landlord’s 's lender (Form 438 BFU Endorsement). Tenant shall reimburse Landlord for Tenant’s Project Percentage 's Share of Landlord’s 's annual cost of such insurance as Additional additional Rent, monthly on the first day of each calendar month of the Term, prorated for any partial month, or on such other periodic basis as Landlord shall elect. If the Project Premises insurance premiums are increased after the Commencement Date, due to an increase in the value replacement cost of the Building or the Adjacent Building(s) or their replacement cost, Tenant shall pay Tenant’s 's Percentage of such increase within ten (10) days of notice of such increase. If such insurance premiums are increased due to Tenant’s 's use of the Premises, improvements installed by Tenant, or any other cause solely attributable to Tenant, Tenant shall be required to pay the full amount of the increase.

Premises Insurance. During the Term Landlord shall maintain special form ------------------ "Special Risk" property insurance (including inflation endorsement, sprinkler leakage endorsement, and, at Landlord’s option, earthquake and flood coverage) on the Building and the Adjacent Building(s)Premises, excluding coverage of all Tenant’s 's Personal Property located on or in the Premises, but including the Building and any Tenant Improvements, if any are provided for in Paragraph 9 of this Lease. Such insurance shall also include insurance against loss of rentsrents on a "Special Risk" basis, including, at Landlord’s option, including earthquake and flood, in an amount equal to the Monthly Rent and Additional Rent, and any other sums payable under the Lease, for a period of at least twelve (12) months commencing on the date of loss. Such insurance shall name Landlord and its Agents as named insureds and include a lender’s 's loss payable endorsement in favor of Landlord’s 's lender (Form 438 BFU Endorsement). Subject to the remaining provisions of this Lease, Tenant shall reimburse Landlord for Tenant’s Project Percentage of Landlord’s annual cost the costs of such insurance as Additional Rentpolicy, monthly on the first day of each calendar month of the Term, prorated for any partial monthannually, or on upon such other periodic basis as Landlord shall elect, within fifteen (15) days of the date of receipt of a statement for the same, as Additional Rent. If the Project insurance premiums are increased after the Commencement Date, due to an increase in the value of the Building or the Adjacent Building(s) or their replacement cost, Tenant shall pay Tenant’s Percentage of such increase within ten fifteen (1015) days of notice of such increase. If such Nothing herein will require Tenant to reimburse to Landlord that portion of insurance premiums are increased due to Tenant’s use of the Premises, improvements installed by Tenant, or any other cause solely attributable to Tenantearthquake coverage which exceeds, Tenant shall in any one year, a commercially reasonable amount. The parties agree, without limitation, that, if insurance premiums attributable to earthquake coverage exceed three (3) times the premiums payable for casualty insurance, such cost will be required to pay deemed in excess of a commercially reasonable amount and providing the full amount of lien holder has waived the increaserequirement for such coverage.

Premises Insurance. During the Term Landlord shall maintain "all-risk" or causes of loss-special form property insurance (including inflation endorsement, sprinkler leakage endorsement, and, at Landlord’s 's option, earthquake and flood coverage) on the Building and the Adjacent Building(s)Building, excluding coverage of all Tenant’s 's Personal Property located on or in the Premises, but including the Tenant Improvements, if any are provided for in Paragraph paragraph 9 of this Lease. Such insurance shall also include insurance against loss of rents, including, at Landlord’s 's option, coverage for earthquake and flood, in an amount equal to the Monthly Rent and Additional Rent, and any other sums payable under the Lease, for a period of at least twelve (12) months commencing on the date of loss. Such insurance shall name Landlord and its Agents as named insureds and include a lender’s 's loss payable endorsement in favor of Landlord’s 's lender (Form 438 BFU Endorsement). Tenant shall reimburse Landlord for Tenant’s Project 's Percentage of Landlord’s 's annual cost of such insurance as Additional Rent, monthly on the first day of each calendar month of the Term, prorated for any partial month, or on such other periodic basis as Landlord shall elect. If the Project property insurance premiums are increased after the Commencement Date, due to an increase in the value of the Building or the Adjacent Building(s) or their its replacement cost, Tenant shall pay Tenant’s 's Percentage of such increase within ten (10) days of notice of such increase. If such insurance premiums are increased due to Tenant’s 's use of the Premises, improvements installed by Tenant, or any other cause solely attributable to Tenant, Tenant shall be required to pay the full amount of the increase.