PROPERTY COVERAGE

• Special Form
• Replacement Cost
• No Co-Insurance
• Deductible Options:  $500 to $25,000
   
• Building Coverage Includes:
  • Completed Additions
  • Fences & Fixtures
  • Permanently Attached Machinery & Equipment
  • Building Glass
  • Retaining Walls
  • Owned equipment used to maintain property
  • Newly acquired or constructed buildings - $500,000 for 180 days
  • Ordinance of Law - $25,000
  • Outdoor Trees, Plants & Shrubs - $3,000
     
• Business Personal Property Includes:
  • Property within 1000 feet of the premises
  • Improvements & Betterments
  • Money & Securities
  • Theft of furs up to $2,500
  • Theft of jewelry, watches and precious metals up to $5,000
  • Newly acquired business personal property - $250,000 for 180 days
  • In Transit and at temporary locations you do not own
  • Spoilage
  • Temporary Relocation of Property - $50,000 for up to 90 days
  • Theft damage to rented property
  • Non-Owned Detached Trailers - $5,000
     
• Equipment Breakdown - Included
  • $25,000 coverage for pollutant contamination
  • $25,000 coverage for expediting expenses
  • $100,000 limit to diagnostic, power generating or production equipment  (Limit can be increased by endorsement)
     
• Electronic Data Processing
  • Included in Business Personal Property limit to $50,000 maximum  (Limit can be increased by endorsement)
  • Interruption of Computer Operations - $25,000 aggregate for physical loss to EDP equipment
  • Worldwide Coverage
  • $25,000 Transit - Off Premises
  • $25,000 Newly Acquired EDP
  • $25,000 Backup Data off premises
  • $25,000 Electronic Vandalism
     
• Fine Arts up to $25,000  (Limits can be increased by endorsement)
• Signs - On premises
   
• Business Income & Extra Expense - Actual Loss Sustained for up to 12 months.
  • Deductible does not apply
  • Up to 60 days extended period of indemnity
  • Business Income newly acquired premises - $250,000 for 90 days
     
• Additional Coverage Included:
  • Arson & Theft Reward up to $5,000
  • Claim Data Expense - Up to $5,000 for appraisal and inventory expenses
  • Debris Removal - 25% of direct claim amount to maximum of $25,000
  • Expediting Expenses up to $25,000
  • Fire Department Service Charge to $25,000  (deductible does not apply)
  • Fire Protective Equipment Discharge - $10,000 for accidental or intentional discharge
  • Pollutant Cleanup and removal - $25,000 annual aggregate
     
• Employee Dishonesty - Up to $25,000 (Limit can be increased by endorsement)
• Forgery or Alteration - Up to $25,000 (Limit can be increased by endorsement)
• Accounts Receivable - Up to $25,000 (Limit can be increased by endorsement)
• Valuable Papers - Up to $25,000 (Limit can be increased by endorsement)

GENERAL LIABILITY COVERAGE:

• Premises & Operations
• Advertising & Personal Injury
• Blanket Contractual - Oral & Written
• Products & Completed Operations
• Broad Form Property Damage
• Unlimited Defense Costs
• Host Liquor Legal Liability
• Medical Payments - $5,000
• Damage to Premises Rented to You - $300,000
• Web Extend for website liability
• Limited Worldwide Coverage

Liability Options Available:

• Aircraft chartered with crew
• Blanket Additional Insured
• Blanket Waiver of Subrogation
• Bodily Injury - Amended Definition
• Broadened Named Insured
• Incidental Medical Malpractice
• Injury to co-employees and co-volunteers
• Knowledge and notice of occurrence
• Non-Owned Watercraft increased to 50'
• Personal Injury - Assumed by Contract
• Employee Benefits Liability