|
Property
Coverage's |
Primary Package
Limits |
Premier Package
Limits |
|
Buildings |
Limit of Insurance |
Limit of Insurance |
|
Business Income - Removal of 72 hour waiting period
|
Premier Only |
Included |
|
Business Income Dependent Property |
Premier Only |
Optional |
|
Business Personal Property (BPP) |
Limit of Insurance $40M Max |
Limit of Insurance $40M Max |
|
Business Personal Property at Newly Acquired Premises |
$100,000 |
$250,000 |
|
Accounts Receivable |
$5,000* |
$25,000* |
|
Backup of Sewer & Drain |
$1,000 per Occurence for
Each Described Building |
$1,000 per Occurence for
Each Described Building* |
|
Building Glass |
Included |
Included |
|
Business Income |
12 Months, Actual Loss
Sustained |
12 Months, Actual Loss
Sustained |
|
Claims Expense |
$1,000 |
$5,000 |
|
Computer Coverage (Hardware) |
$10,000* |
$25,000* |
|
Computer Coverage (Media & Records) |
$1,250* |
$6,250* |
|
Crime Conviction Award |
$5,000 |
$10,000 |
|
Debris Removal |
25% of covered loss plus up
to $10,000 additional* |
25% of covered loss plus up
to $25,000 additional, in addition to the $10,000
included* |
|
Equipment Breakdown |
Premier Only |
Included in the Limit of
Insurance selected for each building. |
|
Extended Replacement Cost |
Premier Only |
Up to 125% of Limit of
Insurance for the described building |
|
Fire Department Service Charge |
$1,000 |
$5,000 |
|
Fire Extinguisher Recharge |
$2,500 |
$5,000 |
|
Limited Collapse or Water Damage |
Included |
Included |
|
Lock Replacement |
$100 per lock/$5,000 per
Occurrence* |
$100 per lock/$10,000 per
Occurrence* |
|
Newly Acquired or Constructed Property |
Up to $1,000,000 per
described building |
Up to $1,000,000 per
described building |
|
Outdoor Property |
$500 any one tree, Plant or
Shrub $2,500* |
$500 any one tree, Plant or
Shrub $2,500* |
|
Outdoor Signs |
$10,000 per described
building* |
$25,000 per described
building* |
|
Perishable Goods |
Premier Only |
Included |
|
Personal Property Off Premises |
$5,000 |
$5,000 |
|
Pollutant Clean-Up & Removal |
$10,000* |
$25,000* |
|
Premise Boundary Definitions |
100 Feet |
1,000 Feet |
|
Tenants Move Back Coverage |
Premier Only |
$10,000 per loss Occurrence
per described building |
|
Valuable Papers and Records |
$5,000 |
$5,000 |
| |
|
|
|
Crime
Coverage's |
Primary Package
Limits |
Premier Package
Limits |
|
Employee Dishonesty |
$10,000* |
$25,000* |
|
Money Orders and Counterfeit Papers |
$1,000 per Occurrence |
$1,000 per Occurrence |
|
Forgery & Alteration |
$2,500 Maximum |
$2,500 Maximum |
|
Money and Securities |
$10,000 Inside or Outside* |
$25,000 Inside or Outside* |
| |
|
|
|
Liability
Coverages |
|
Premises/Operations |
$500,000, $1M or $2M |
|
Products/Completed Operations |
Included |
|
Premises/Operations
Aggregate: |
2 x Liability and Medical
Expense Occurrence Limit |
|
Products/Completed
Aggregate: |
1 x Liability and Medical
Expense Occurrence Limit |
|
General Aggregate: |
2 x Liability and Medical
Expense Occurrence Limit |
|
Personal Injury: |
Included |
|
Advertising Liability |
Included |
|
Contractual Liability |
Included |
|
Tenants Liability |
$100,000* |
|
Medical Expenses |
$5,000 per person / $25,000
per occurrence |
|
|
|
|
* Higher limits available |
|
Optional
property and liability coverage you can add to the package: |
|
Business Income from Dependent Properties (Premier
Only) |
Up to $250,000 |
|
Building Ordinance or Law Coverage BP 0446 |
Undamaged Portion of
Building - Included,
Demolition Cost - up to $100,000,
Increased Cost of Construction - up to $100,000 |
|
Directors & Officers Liability E4297 |
$500,000 / $500,000 or $1M /
$1M |
|
Earthquake E3408 Available in select areas only. |
Building & Personal Property
Limits of Insurance |
|
Earthquake Sprinkler Coverage E3444 |
Building & Personal Property
Limits of Insurance |
|
Employers Liability E6043 |
Up to $2,000,000 |
|
Employee Benefits Liability 56-6095 |
$500,000 / $500,000 or $1M /
$1M
subject to $1,000 deductible |
|
Fine Arts E7123 |
Up to $100,000 |
|
Functional Building Valuation |
Optional |
|
Outdoor Fences and Walls E3415 |
Up to $25,000 |
|
Utility Services - Direct Damage |
Up to
$500,000 |
|
Utility Services - Time Element |
Up to $250,000 |
|
|
|
|
Additional
Insured Endorsements: |
|
Controlling Interests |
Co-owners Of Insured Premises |
|
Lessor Of Leased Equipment |
Managers Or Lessors of Premises |
|
Mortgagee, Assignee Or Receiver |
Owners Or Other Interests From Whom Land Has Been Leased |
|
State or Political Subdivision – Permits |
Vendors |
|
|
|
