|
Property
Coverage's |
Primary Package
Limits |
Premier Package
Limits |
|
Building - Replacement Cost (as requested) |
Limit of Insurance |
Limit of Insurance |
|
Business Personal Property (BPP) |
Limit of Insurance |
Limit of Insurance |
|
Cause of Loss - Special Form |
Building(s) Amount (include
above and below ground storage tanks) |
Building(s) Amount (include
above and below ground storage tanks) |
|
|
Business Personal Property
Amount (includes contents of storage tank) |
Business Personal Property
Amount (includes contents of storage tank) |
|
|
Business Personal Property
of Others |
Business Personal Property
of Others |
|
Accounts Receivable |
$5,000 |
$10,000 |
|
Arson Conviction Reward |
$5,000 |
$5,000 |
|
Backup of Sewers and Drains |
$2,500 |
$5,000 |
|
Business Income & Extra
Expense - Dealers |
Optional |
$50,000 |
|
Business Income & Extra
Expense - Service Risks |
Optional |
12 Months ALS |
|
Debris Removal |
25% of Direct Physical Loss / Additional
$10,000 if limit exhausted |
25% of Direct Physical Loss / Additional
$10,000 if limit exhausted |
|
Electronic Data Processing Equipment |
Not Available |
$15,000 |
|
Employee Tools |
Not Available |
$10,000 |
|
Fire Department Service Charge |
$1,000 |
$1,000 |
|
Fire Extinguisher Recharge |
$1,000 |
$1,000 |
|
Glass Coverage |
Included in Bldg. Limit |
Included in Bldg. Limit |
|
Increased Cost of Construction |
5% of Building Limit /
$10,000 |
5% of Building Limit /
$10,000 |
|
Lock Replacement |
$500 |
$1,000 |
|
Newly Acquired or Constructed Business Personal Property |
$100,000 |
10% of BPP Limit/$200,000 |
|
Newly Acquired or Constructed Property |
$250,000 |
25% of Building Limit/$500,000 |
|
Outdoor Property
(Trees/Shrubs/Plants) |
$1,000 |
$1,000 |
|
Outdoor Signs |
$3,000 |
$5,000 |
|
Personal Effects & Property of Others |
$2,500 |
$2,500 |
|
Pollutant Cleanup |
$10,000 |
$10,000 |
|
Preservation of Property |
30 days |
45 days |
|
Property Off Premises |
$10,000 |
$20,000 |
|
Replacement Cost |
Included in Property Limit |
Included in Property Limit |
|
Tenants Exterior Building Glass |
Not Available |
Included in BPP Limit |
|
Theft, Disappearance or Destruction of Money &
Securities, inside or outside the premises. |
$1,000 |
$2,500 |
|
Valuable Papers and Records |
$5,000 |
$5,000 |
|
|
|
|
|
Optional Property and
Inland
Marine Coverages |
|
Cargo
Coverages - Specified Causes of Loss: |
|
|
|
Specified Cause of Loss |
Optional |
Optional |
|
Burglary & Robbery (Must have
E7121) |
Optional |
Optional |
|
Earthquake
(SFA only) |
Optional |
Optional |
|
Earthquake Sprinkler Leakage |
Optional |
Optional |
|
Equipment Breakdown |
Optional |
Optional |
|
Inflation Guard |
Select 4%, 6%, or 8% |
Select 4%, 6%, or 8% |
|
Water Damage |
Included in Property Limit |
Included in Property Limit |
|
Leasehold Interest Coverage
Form |
Optional |
Optional |
|
Ordinance or Law Coverage: |
|
|
Coverage A - Loss to
Undamaged Part of Building
|
Optional |
Optional |
Coverage B - Demolish
Undamaged Part
|
Optional |
Optional |
Coverage C -
Increased Cost of Construct
|
Optional |
Optional |
| |
|
|
|
Garage Coverages
(Included on all Garage Policies) |
|
Garage Coverage Form |
Limit of Insurance |
Limit of Insurance |
|
Contractural Liability |
Included |
Included |
|
Elevator Liability |
Included |
Included |
|
Hired Auto Coverage (BIPD) - Dealers Risk Only |
Included |
Included |
|
Non Owned Auto Coverage (BIPD) |
Included |
Included |
|
Owned Auto Coverage (BIPD |
Dealers Risk Only |
Dealers Risk Only |
|
Owners Protective Liability |
Included |
Included |
|
|
|
|
|
Broadened Coverages
(Included on all Garage Policies) |
|
Fire Legal Liability |
$50,000 |
$50,000 |
|
Host Liquor Liability |
Included |
Included |
|
Incidental Medical
Malpractice |
Included |
Included |
|
Liability for Newly Acquired
Garage |
Included |
Included |
|
Limited Worldwide Liability |
Included |
Included |
|
Non-Owned Watercraft |
Included |
Included |
|
Personal and Advertising Injury |
$500,000 |
$500,000 |
|
Spouses of Individual
Insureds or Partners, as Insureds |
Included |
Included |
|
Optional Coverage -
Garage Dealers & Non-Dealers |
|
Auto Medical Payments |
Optional |
Optional |
|
Broad Form Products Coverage |
Optional |
Optional |
|
Garage Locations and
Operations Medical Payments Coverage |
Optional |
Optional |
|
Garagekeepers Liability |
Optional |
Optional |
|
Hired Auto Coverage (BIPD) |
Non-Dealer Risks Only |
Non-Dealer Risks Only |
|
Hired Autos Specified as Covered Autos You Own |
Optional |
Optional |
|
Owned Auto Coverage (BIPD) |
Scheduled for Non Dealers |
Scheduled for Non Dealers |
|
Individual as Named Insured |
Included when selected |
Included when selected |
|
Individual as Named Insured
- Dealers Only |
Included when selected |
Included when selected |
|
Owners of Garage Premises |
Optional |
Optional |
|
Personal Injury Protection |
Optional if not Mandated by
State |
Optional if not Mandated by
State |
|
Physical Damage to
Individually Owned Autos (Non-Dealers) |
Scheduled Autos |
Scheduled Autos |
|
Physical Damage:
Dealers Autos |
|
|
|
Dealers Autos - Blanket |
Optional |
Optional |
|
Additional Storage Locations |
Optional |
Optional |
|
In
Transit |
Optional |
Optional |
|
Uninsured/Underinsured
Motorist |
Optional if not Mandated by
State |
Optional if not Mandated by
State |
|
|
|
|
|
Automotive Dealers
Coverage Package (Sold Only as a Package of Coverages) |
|
Dealers Drive Away Collision Coverage - Applicable
only when Dealers Autos Physical Damage Coverage is
Selected |
Removes the 50 mile
limitation for collision coverage on Dealers Autos |
Removes the 50 mile
limitation for collision coverage on Dealers Autos |
|
False Pretense Coverage |
$80,000 |
$80,000 |
|
Individual as name Insured - Dealers |
Included in garage Coverage
Limit |
Included in garage Coverage
Limit |
|
Insurance Agents Errors & Omissions |
$100,000 |
$100,000 |
|
Odometer Liability |
$100,000 |
$100,000 |
|
Products Deficiency Liability |
$100,000 |
$100,000 |
|
Title Errors and Omissions |
$50,000 |
$50,000 |
|
Truth in Lending Errors and Omissions |
$100,000 |
$100,000 |
|
|
|
|
|
Optional
Coverage - General Liability |
|
Premises / Operations and Products / Completed Operations
|
Selected Limits |
Selected Limits |
|
Contractual Liability (Premises) |
Included in Limit |
Included in Limit |
|
Elevator Liability |
Included in Limit |
Included in Limit |
|
Employee Benefits Liability |
Optional |
Optional |
|
Fire Legal Liability |
Included in Limit |
Included in Limit |
|
Host Liquor Liability |
Included in Limit |
Included in Limit |
|
Liability for Newly Acquired
Business |
Included in Limit |
Included in Limit |
|
Limited Worldwide Liability |
Included in Limit |
Included in Limit |
|
Medical Payments
(Premises) |
$5,000 |
$5,000 |
|
Non-Owned Watercraft
Coverage |
Included in Limit |
Included in Limit |
|
Personal & Advertising Injury |
Included in Limit |
Included in Limit |
|
Protective Liability for
Independent Contractors Acts |
Included in Limit |
Included in Limit |
|
Spouses of Individual
Insureds or Partners, as insureds |
Included in Limit |
Included in Limit |
|
|
|
|
|
Optional
Coverage - Crime |
|
Employee Dishonesty |
|
|
Blanket
|
Optional |
Optional |
Scheduled Employees
|
Optional |
Optional |
|
Forgery & Alteration - Form B |
Optional |
Optional |
|
Theft, Disappearance & Destruction - Money and
Securities - Form C |
Increased Limits Optional |
Increased Limits Optional |
|
Robbery & Safe Burglary - Other than Money and
Securities - Form D |
Optional |
Optional |
|
Premises Burglary - Other than Money and Securities
- Form E |
Optional |
Optional |
|
Extortion - Form G |
Optional |
Optional |
|
Premises Theft & Robbery Outside - Other than Money
and Securities - Form H |
Optional |
Optional |
|
Robbery and Safe Burglary - Money and Securities -
Form Q |
Optional |
Optional |
|
Auto Supplies, Equipment, Gasoline and Oil in Outside
Containers Endorsement (Requires Forms E or H) |
Optional |
Optional |
|
|
|
|
|
Optional Coverage -
Umbrella Liability |
|
Umbrella Liability |
Optional |
Optional |
|
|
|
|
