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Property
Coverage's |
Primary Package
Limits |
Premier Package
Limits |
|
Building
- Property (coverage available upon request) |
Limit of Insurance |
Limit of Insurance |
|
Business Personal Property (BPP) |
Limit of Insurance |
Limit of Insurance |
|
Business Income |
12 months actual loss
sustained |
12 months actual loss
sustained |
|
Business Income 72-Hour Buyback |
Premier only |
Included |
|
Seasonal Automatic Increase (BPP) |
Additional 25% included |
Additional 25% included |
|
Accounts Receivable |
$5,000* |
$25,000* |
|
Bailee Coverage - Printers |
N/A |
$25,000* |
|
Bailee Coverage - Dry Cleaners |
$100,000* |
$200,000* |
|
Bailee Coverage - Repair Shop |
$25,000* |
$50,000* |
|
Computer Equipment |
$10,000* |
$25,000* |
|
Arson Conviction Reward |
$5,000 |
$5,000 |
|
Fire Department Service Charge |
$1,000 |
$1,000 |
|
Fire Extinguisher Recharge |
$2,500 |
$5,000 |
|
Increased Cost of Construction |
$5,000 |
$5,000 |
|
Mechanical Equipment Breakdown |
Premier only |
Included |
|
Newly Acquired Buildings |
$250,000 |
$250,000 |
|
Newly Acquired - BPP |
$100,000 |
$100,000 |
|
Outdoor Signs |
$2,500* |
$7,500* |
|
Personal Property Off Premises |
$5,000* |
$5,000* |
|
Pollutant Cleanup
& Removal |
$10,000* |
$10,000* |
|
Premises Boundary |
100 feet |
1,000 feet |
|
Spoilage Coverage (Food Stores) |
$2,500 |
$25,000 |
|
Trees, Shrubs and Plants |
$500 / $2,500 |
$500 / $2,500 |
|
Valuable Papers and Records |
$5,000* |
$25,000* |
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|
Crime
Coverage's |
Primary Package
Limits |
Premier Package
Limits |
|
Employee Dishonesty |
$5,000* |
$10,000* |
|
Forgery & Alteration |
$2,500 |
$2,500 |
|
Money and Securities - Inside/Outside |
$5,000* |
$10,000* |
|
Money Orders and Counterfeit Pager Currency |
$1,000 |
$1,000 |
| |
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|
Liability
Coverages |
|
Premises/Operations and Products/Completed Operations |
$500,000 or $1,000,000 per
Occurrence |
|
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 |
|
Barber and Beautician |
Same as Liability Limits |
|
Tenants Liability |
$75,000* |
|
Medical Expenses |
$5,000 per person / $25,000
per occurrence |
|
Printers E&O |
Same as Liability Limits |
|
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|
* Higher limits available |
|
Optional
property coverage you can add to the package: |
|
Backup of Sewer & Drain |
Up to $5,000 |
|
Spoilage |
$2,500 min. - Up to $100,000 |
|
Earthquake |
Optional |
|
Earthquake Sprinkler Coverage |
Building & Contents Limits |
|
Fences and walls (Premier Only) |
Up to $25,000 |
|
Fine Arts (Premier Only) |
Up to $100,000 |
|
Functional Building Valuation |
Optional |
|
Ordinance or Law Coverage |
Building Limit |
|
Demolition |
Up to Building Limit +
$7,500 |
|
Increased Cost of Construction |
Up to Building Limit +
$7,500 |
|
Tenants Exterior Glass |
Actual Loss (up to Building
Limit) |
|
Tenants Improvement and Betterment |
Actual Loss up to $500,000 |
|
Transportation Coverage |
Up to $250,000 |
|
Utility Service Time Element |
Up to $250,000 |
|
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|
Optional
liability coverage you can add to the package: |
|
Employee Benefits Liability |
$500,000 or $1,000,000 |
|
Employer's Liability/Stop Gap |
Per Current Limits up to $2M |
|
Liquor Liability |
Up to $2,000,000 |
|
Hired and/or Non-Owned Auto Liability |
Same as Liability Limit |
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Additional
Insured Endorsements: |
|
Mortgagee, Assignee Or Receivers |
Lessor Of Leased Equipment |
|
Managers Or Lessors of Premises |
Vendors |
|
Engineers, Architects or Surveyors |
Designated Person or Organization |
|
Owners Or Other Interests From Whom Land Has Been Leased |
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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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