Overview Features Coverage Loss Scenarios Underwriting

Business Insurance

Features

MAX CREDITS APPLIED ON ALL RISKS THAT QUALIFY

BINDING AUTHORITY ON ALL LINES THAT QUALIFY

WRITTEN ON "SPECIAL" COVERAGE FORMS

ENDORSEMENT PROCESSING

PRODUCERS MAY ISSUE CERTIFICATES OF INSURANCE

24 HOUR CLAIM REPORTING

BILLING OPTIONS AVAILABLE

LICENSED IN ALL 48 MAINLAND STATES

Property Coverage

Limits of Insurance

Special Property Coverage Form automatically includes the following coverages at no additional charge:

Valuable Papers Coverage On Premises

$25,000

Valuable Papers Coverage Off Premises

$25,000

Accounts Receivable Coverage On Premises

$25,000

Accounts Receivable Coverage Off Premises

$25,000

Money and Securities – Inside

$10,000

Money and Securities – Outside

$5,000

Fire Department Service Charge

$25,000

Fire Extinguisher Recharge

Included

Ordinance or Law Coverage:

Undamaged Portion

$25,000

Demolition Costs

$25,000

Increased Cost of Construction

$25,000

Tenants Improvements & Betterments Increased Cost of Construction

$25,000

Appurtenant Structures not more than $50,000 at each scheduled premises.

Included

Appurtenant Structures not more than $5,000 at each scheduled premises.

Included

Newly Acquired or Constructed Property - Building

$500,000

Business Personal Property at Newly Acquired Locations

$250,000

Property Off-Premises – Building

$5,000

Property Off-Premises – Business Personal Property

$2,500

Automatic Increase in Building: Limit of Insurance: 8% Annual

Included

Tenant’s Glass

$25,000

Arson and Theft Reward

$10,000

Definition of Premises: 1000 feet

Included

Automatic Equipment Breakdown Coverage which includes:

Mechanical Breakdown

Included

Artificially Generated Electric Current

Included

Explosion of Steam Equipment

Included

Loss or damage to Steam Equipment

Included

Loss or damage to Water Heating Equipment.

Included

Liability Coverages

Limits of Insurance

Business Liability

Each Occurrence

$1,000,000

General Aggregate

$2,000,000

Products/Completed Operations Aggregate

$2,000,000

Personal and Advertising Injury

$1,000,000

Damage to Premises Rented to You

$300,000

Medical Expenses

$10,000

Terrorism

Minimum Premium Difference

Property Coverage

Limits of Insurance

Property Deductible

$500

Equipment Breakdown Deductible

Business Income And Extra Expense Actual Loss Sustained – 12 mos.

Included

Terrorism

Identity Recovery Coverage

$15,000

Location/Building Level:

Limits of Insurance

Business Personal Property

$5,000

Fungi Limited Coverage

$50,000

Fungi Limited Business Interruption

30 Days

Coverage

Limit

Accounts Receivable – On/Off-Premises

$25,000

Brands and Labels

Up to Business Personal Property Limit

Claim Expenses

$10,000

Computer Fraud

$5,000

Computers and Media

$10,000

Debris Removal

$25,000

Employee Dishonesty (including ERISA)

$10,000

Fine Arts

$10,000

Forgery

$10,000

Laptop Computers – World-Wide Coverage

$5,000

Off Premises Utility Services – Direct Damage

$10,000

Outdoor Signs

Full Value

Pairs or Sets

Up to Business Personal Property Limit

Personal Property of Others

$10,000

Property at Other Premises

$10,000

Salespersons’ Samples

$1,000

Sewer and Drain Back Up

Included up to Covered Property Limits

Sump Overflow or Sump Pump Failure

$15,000

Temperature Change

$10,000

Tenant Building and Business Personal Property Coverage-Required by Lease

$20,000

Transit Property in the Care of Carriers for Hire

$10,000

Unauthorized Business Card Use

$2,500

Valuable Papers and Records – On/Off-Premises

$25,000

The Limits of Insurance for the following Coverage Extensions are a replacement of the Limit of Insurance provided under the Property Coverage Form.

Coverage

Limit

Newly Acquired or Constructed Property – 180 Days

Building

$1,000,000

Business Personal Property

$500,000

Business Income and Extra Expense

$500,000

Outdoor Property

$20,000 aggregate/ $1,000 per item

Personal Effects

$25,000

Property Off-Premises

$15,000

The following changes apply only if Business Income and Extra Expense are covered under this policy. The Limits of Insurance for the following Business Income and Extra Expense Coverages are in addition to any other Limit of Insurance provided under this policy:

Coverage

Limit

Business Income Extension for Off-Premises Utility Services

$25,000

Business Income Extension for Web Sites

$10,000/7 days

Business Income from Dependent Properties

$25,000

The following Limit of Insurance for the following Business Income Coverage is a replacement of the Limit of Insurance provided under the Property Coverage Form.

Coverage

Limit

Extended Business Income

60 Days

Valuation Changes

Commodity Stock

Included

"Finished Stock"

Included

Mercantile Stock - Sold

Included