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Commercial 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, including business equipment insurance 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

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