What are the insurance policies that a Petro Stopping Center franchisee must obtain and maintain?

rom TA Operating. TA Operating is the sole approved supplier of the Proprietary Systems. The Proprietary Systems are sold to you at TA Operating's actual cost. All other Computer Systems and software must be purchased directly from third-party vendors, as set forth in Item 11.

Insurance

You must obtain and maintain at your expense such insurance policies (which are primary as to any other existing, valid, enforceable or collectible insurance) protecting you, Petro Franchise (and its Affiliates) and the respective officers, directors, partners and employees against any loss, liability, or expense arising or occurring upon or in connection with the Petro Center as Petro Franchise may require under or pursuant to the Manuals, or otherwise in writing, for its own and your protection. Upon execution of the Franchise Agreement, you must furnish to Petro Franchise for approval a Certificate of Insurance showing compliance with your insurance requirements. The certificate must state that the policy or policies must not be cancelled or materially altered without at least 30 days prior written notice to Petro Franchise and reflect proof of payment of premiums. Certificates of Insurance must also be provided to Petro Franchise during the term of the Franchise Agreement, upon the renewal of any underlying insurance policy or upon request by Petro Franchise. Within 30 days after the execution of the Franchise Agreement (or any renewal agreement), and at any time upon request by Petro Franchise, you must deliver to Petro Franchise a copy of each required insurance policy. Petro Franchise and any of our Affiliates that we designate must be named as an additional insured on all required policies. Petro Franchise may modify the minimum insurance requirements and notify you of changes in writing. All insurance policies must be issued by carriers who are licensed and admitted to write coverage in the state where the Site is located and are rated A- or higher by A.M. Best and Company, Inc. No deductible may be greater than $500,000.

4922-8379-7797, v. 1 - 32 - We currently require you to maintain the following insurance coverages:

• (a) Comprehensive general liability insurance and product liability insurance with limits of ten million dollars ($10,000,000) combined single limit per occurrence, including broad form contractual liability, personal injury, and products completed operations. The policy must list us and our Affiliates, directors, officers, agents and employees as additional insureds.

• (b) All risk (special perils) property insurance, on the Petro Center and all fixtures, equipment, inventory, and real property used in the operation of the Petro Center, for full repair and replacement value, without depreciation or co-insurance. In addition, the policy must cover lost income due to property damage.

• (c) Commercial automobile liability insurance with a combined single limit of five million dollars ($5,000,000) per occurrence for all vehicles (owned, hired, rental, leased) used in connection with the operation of the Petro Center. The policy must list us and our Affiliates, directors, officers, agents and employees as additional insureds. If the Petro Center uses no vehicles for business purposes this requirement may be reduced with written agreement from us.

• (d) Pollution legal liability insurance with limits of not less than five million dollars ($5,000,000) per occurrence and in compliance with all state, local and federal regulations, which is inclusive of the entire Petro Center and Site as well as all USTs (underground storage tanks), or if the state where located has a tank fund, then coverage for USTs to equal five million dollars ($5,000,000) with excess coverage.

• (e) Worker's compensation insurance in amounts required by all applicable laws in which your Petro Center is located.

• (f) Employer's Liability insurance, with limits of at least one million dollars ($1,000,000) per accident. The policy must list us and our Affiliates, directors, officers, agents and employees as additional insureds.

• (g) Cyber Risk insurance, with limits of not less than $2,000,000 for each claim, covering claims arising out of or related to (a) investigation of an actual or alleged security failure, privacy event, security breach of other related incident, including but not limited to forensic services, legal counsel, and breach coaching services, breach response, and notification services, call center services, credit and identity theft monitoring and protection services, media and public relations services; (b) business income/business interruption/extra expense; (c) digital and data asset protection and restoration; (d) network security & consumer privacy liability; (e) regulatory defense and indemnification, including fines and assessments; (f) multimedia liability; (g) cyber extortion, including but not limited to the use of ransomware or other malware to compromise your systems; and (h) social engineering or other forms of electronic manipulation that result in covered loss;

• (h) Liquor liability insurance (but only if serving or selling alcoholic beverages at the Petro Center), with limits of not less than $3,000,000 for each common cause and $3,000,000 annual aggregate covering bodily injury and property damage if liability for either bodily injury or property damage is imposed by reason of the selling, serving or furnishing of any alcoholic beverage by you;

• (i) Garagekeepers' liability insurance with limits of not less than $60,000 per occurrence in conjunction with the care, custody and control of vehicles at t

Source: Item 8 — RESTRICTIONS ON SOURCES OF PRODUCTS AND SERVICES (FDD pages 37–42)