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|
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Property
Coverage's |
Primary Package
Limits |
Premier Package
Limits |
|
Buildings |
Limit of Insurance |
Limit of Insurance |
|
Business Income |
12 Months, Actual Loss
Sustained |
12 Months, Actual Loss
Sustained |
|
Business Personal Property (BPP) |
Min. $25,000 |
Min. $25,000 |
|
Business Income |
Actual Loss sustained |
Actual Loss sustained |
|
Business Income - Removal of 72 hour waiting period |
Premier Only |
Included |
|
Accounts Receivable |
$5,000* |
$25,000* |
|
Backup of Sewer & Drain |
Optional |
$10,000* |
|
Brands and Labels |
Premier only |
Included |
|
Combined Building and
Personal Property Limit |
Max. $10M per location |
Max. $10M per location |
|
Computer Coverage |
$5,000* |
$25,000* |
|
Crime Conviction Award |
$5,000 |
$10,000 |
|
Customers Property at Replacement Cost |
N/A |
$10,000 |
|
Debris Removal |
$10,000* |
$10,000* |
|
Equipment Breakdown |
N/A |
Included |
|
Fire Department Service Charge |
$1,000 |
$5,000 |
|
Fire Extinguisher Recharge |
$2,500 |
$5,000 |
|
Increased Cost of Construction |
$5,000 |
$5,000 |
|
Lock Replacement |
$100 per lock/$5,000 per
Occurrence |
$100 per lock/$5,000 per
Occurrence |
|
Newly Acquired Buildings |
$250,000 |
$500,000 |
|
Newly Acquired Business Personal Property (BPP) |
$100,000 |
$250,000 |
|
Outdoor Signs |
$2,500* |
$25,000* |
|
Personal Property Off Premises |
$5,000* Over $100,000 submit
for approval |
$25,000* Over $100,000
submit for approval |
|
Pollutant Clean-Up & Removal |
$10,000* |
$10,000* |
|
Premise Boundary Definitions |
100 Feet |
1,000 Feet |
|
Preservation of Property |
30 days |
60 days |
|
Seasonal Automatic Increase - BBP |
25% |
25% |
|
Spoilage / Temperature Change |
N/A |
Included |
|
Tenants Glass |
Optional |
Actual Loss |
|
Theft Limitation - Bullion/Precious Metals |
$2,500 |
$10,000 |
|
Theft Limitation Patterns & Dies |
$2,500 |
BPP Limit |
|
Tree, Shrubs & Plants |
$500 / $2,500* |
$500 / $2,500* |
|
Utility Services - Time Element |
Premier Only |
$10,000* |
|
Valuable Papers and Records |
$5,000* |
$25,000* |
| |
|
|
|
Crime
Coverage's |
Primary Package
Limits |
Premier Package
Limits |
|
Employee Dishonesty |
$5,000* |
$10,000* |
|
Money and Securities Inside/Outside |
$5,000/$5,000* |
$10,000/$10,000* |
|
Forgery & Alteration |
$2,500 |
$10,000 |
|
Money Orders and Counterfeit Papers |
$1,000 |
$10,000 |
| |
|
|
|
Liability
Coverages |
Limits |
|
Premises/Operations |
$500,000, $1,000,000 |
|
Products/Completed Operations |
Included with an option to
exclude coverage |
|
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 |
|
Employees as Additional
Insured |
Included |
|
Tenants Liability |
$100,000* |
|
Medical Expenses |
$5,000 per person / $25,000
per occurrence |
|
Parking Area Liability |
Included |
|
Printers E&O Liability |
Same as Liability Limits |
|
* Higher limits available |
|
Optional
Coverages |
Primary Package
Limits |
Premier Package
Limits |
|
Business Income from Dependent Properties |
Premier Only |
Up to $250,000 |
|
Earthquake Not available in all areas |
Optional |
Optional |
|
Earthquake Sprinkler Coverage |
Building & Contents Limit |
Building & Contents Limit |
|
Fine Arts |
Up to $500,000 |
Up to $500,000 |
|
Functional Building Valuation |
Premier Only |
Optional |
|
Functional Personal Property Valuation Endorsement |
Premier Only |
Optional |
|
Building Ordinance or Law Coverage |
Building Limit |
Building Limit |
|
Demolition |
Up to $500,000 |
Up to $500,000 |
|
Increased Cost of Construction |
Up to $500,000 |
Up to $500,000 |
|
Outdoor Fences and Walls |
Up to $50,000 |
Up to $50,000 |
|
Product Recall and Replacement Coverage |
$25,000/$50,000
$50,000/$100,000
$100,000/$200,000 |
$25,000/$50,000
$50,000/$100,000
$100,000/$200,000 |
|
Tenant/Improvement/Betterment |
Actual Loss |
Actual Loss |
|
Transportation Coverage
(Transit) |
Premier only |
Up to $100,000 |
|
Utility Services - Direct Damage |
Premier Only |
Up to $500,000 |
|
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|
Liability
Coverages |
Limits |
|
Broad Form Liability |
Same as Liability Limits |
|
Employee Benefits Liability |
$500,000 or $1,000,000 |
|
Employer's Liability/Stop Gap |
Per Current Limit |
|
Hired & Non-Owned Auto Liability |
Same as Liability Limit |
|
Liquor Liability |
Up to $2,000,000 |
|
Products Liability Exclusion Endorsement |
Optional |
|
Waiver of Subrogation |
Optional |
|
Waiver of Transfer of Right of Recovery |
Optional |
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Additional
Insured Endorsements: |
|
Controlling Interests |
Co-owners Of Insured Premises |
|
Lessor Of Leased Equipment |
Managers Or Lessors of Premises |
|
Mortgagee, Assignee Or Receiver |
Owners, Lessors, or Contractors |
|
State or Political Subdivision – Permits |
Vendors |
|
Designated Person |
Engineer, Architects or Surveyors not engaged by the
Named Insured |
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DISCLAIMER:
This
website provides general information only. Actual coverage is
subject to the terms, conditions and exclusions stated in the
policies. Coverage may be subject to certain limitations or
modifications. Please consult the actual policy forms for
complete details on coverages, conditions and exclusions. |
Farmers...Gets you back where you belong.
Serving all of the Utah with our office
location at
55 West Main Street, Lehi, UT 84043.
Anywhere in the USA call us at (877) 501-8470
Salt Lake County Call (801) 501-8470
Utah County Call (801) 766-8476
Click here for map of this location
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