|
|
|
Property
Coverage's |
Primary Package
Limits |
Premier Package
Limits |
|
Buildings - Property: |
Limit of Insurance |
Limit of Insurance |
|
Business Personal Property (BPP) |
Limit of Insurance |
Limit of Insurance |
|
Business Income |
Actual loss sustained |
Actual loss sustained |
|
Business Income 72-Hour Buy Back |
Premier Only |
Included |
|
Seasonal Automatic Increase - BPP |
Additional 25% Included |
Additional 25% Included |
|
Accounts Receivable |
$5,000* |
$25,000* |
|
Arson Conviction Reward |
$5,000 |
$5,000 |
|
Backup of Sewer & Drain |
Optional |
Optional |
|
Brands and Labels |
Premier Only |
Included |
|
Building Ordinance or Law |
As Desired |
As Desired |
|
Business Owner EDP |
Optional |
$10,000* |
|
Claim Expense Coverage |
$1,000 |
$5,000 |
|
Customer Property |
$2,500 |
$10,000 |
|
Debris Removal |
$10,000* |
$10,000* |
|
Equipment Breakdown |
Premier Only |
Included |
|
Fire Department Service Charge |
$1,000 |
$5,000 |
|
Fire Extinguisher Recharge |
$2,500 |
$10,000 |
|
Lock Replacement Coverage |
Premier Only |
$1,000 |
|
Newly Acquired
Buildings |
$250,000 |
$500,000 |
|
Newly Acquired BPP |
$100,000 |
$250,000 |
|
Outdoor Signs |
Optional |
$5,000* |
|
Personal Property Off Premises |
$ 5,000* |
$ 5,000* |
|
Pollutant Cleanup
& Removal |
$10,000* |
$10,000* |
|
Premises Boundary |
1000 Feet |
1000 Feet |
|
Preservation of Property |
30 days |
60 days |
|
Spoilage |
$2,500* |
$25,000* |
|
Tenants Glass |
As Desired |
As Desired |
|
Trees, Shrubs and Plants |
$500/$2,500 |
$500/$2,500* |
|
Utility Services - Business Interruption |
Optional |
$10,000* |
|
Valuable Papers and Records |
$5,000* |
$25,000* |
| |
|
|
|
Crime
Coverage's |
Primary Package
Limits |
Premier Package
Limits |
|
Employee Dishonesty |
$1,000* |
$10,000* |
|
Money and Securities - Inside/Outside |
$2,500* |
$5,000* |
|
Forgery & Alteration |
$2,500 |
$2,500 |
|
Money Orders & Counterfeit Paper Currency |
$1,000 |
$10,000 |
| |
|
|
|
Liability
Coverages |
|
Premises/Operations and Products/Completed Operations |
Up to $2,000,000 |
|
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 |
|
Tenants Liability |
$75,000 |
|
Medical Expenses |
$5,000 per person / $25,000
per occurrence |
|
* Higher limits available |
|
|
Optional
property coverage you can add to the package: |
|
Business Income - Dependent Property (Premier Only) |
Up to $250,000 (Premier
Only) |
|
Contamination Shutdown |
$450,000 |
|
Earthquake |
Optional |
|
Earthquake Sprinkler
Leakage |
Building & Contents Limits |
|
Fences and Walls |
Up to $25,000 |
|
Fine Arts |
Up to $100,000 |
|
Food Borne Illness / Business Interruption |
Up to $150,000 (Premier
Only) |
|
Ordinance or Law Coverage |
Building Limit |
|
Demolition |
Up to $500,000 |
|
Increased Cost of Construction |
Up to $500,000 |
|
Tenants Improvements and Betterment |
Actual Loss |
|
Utility Services Time Element |
Up to $250,000 |
| |
|
|
Optional
liability coverage you can add to the package: |
|
Employee Benefits Liability |
$500,000 or $1,000,000 |
|
Employer's Liability (Stop Gap) |
Up to Liability Limit |
|
Garage keepers (Valet) |
Up to $500,000 |
|
Hired/Non-Owned Auto Liability |
Same as Liability Limit |
|
Liquor Liability (Mandatory if restaurant sells
liquor) |
Same as Liability Limit,
Max. $1,000,000 |
|
Personal Injury/Advertising Injury |
Up to Liability Limit |
| |
|
|
Additional
Insured Endorsements: |
|
Mortgagee, Assignee Or Receivers |
Lessor Of Leased Equipment |
|
Managers Or Lessors of Premises |
Architects, Engineers or Surveyors |
|
Controlling Interests |
Co-owners Of Insured Premises |
|
Designated Person or Organization |
Owners Or Other Interests From Whom Land Has Been Leased |
|
State or Political Subdivision – Permits |
Vendors |
|
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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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