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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 - 12
Months, 60 day payroll, 72 hour waiting period |
Actual loss sustained - 12
Months, 60 day payroll, No waiting period |
|
Accounts Receivable |
$5,000* on premises / $2,500
off premises |
$15,000* on premises /
$2,500 off premises |
|
Arson Conviction Reward |
$5,000 |
$5,000 |
|
Backup of Sewer & Drain |
$1,000* |
$1,000* |
|
Building Ordinance or Law |
N/A ($5,000 Increased Cost
of Construction included) |
Undamaged portion - included
demolition - $50,000*
Increased Cost of Construction-$50,000* |
|
Computer Equipment |
$15,000* |
$30,000* |
|
Civil Authority |
3 weeks, or when Business
Income ends, whichever is longer |
3 weeks, or when Business
Income ends, whichever is longer |
|
Crime Reward |
$5,000 |
$5,000 |
|
Debris Removal |
25% of Direct Physical Loss / Additional
$10,000 if limit exhausted |
25% of Direct Physical Loss / Additional
$10,000 if limit exhausted |
|
Extra Expense |
Actual loss sustained - 12
Months |
Actual loss sustained - 12
Months |
|
Fire Department Service Charge |
$2,000 |
$5,000 |
|
Fire Extinguisher Recharge |
$5,000 |
$15,000 |
|
Increased Cost of Construction |
$5,000* |
$50,000* |
|
Master Key |
$1,000 per occurrence |
$5,000 per occurrence |
|
Newly Acquired or Constructed Locations - Buildings |
$500,000 |
$1,000,000 |
|
Newly Acquired or Constructed Locations - BPP |
$100,000 |
$500,000 |
|
Outdoor Property |
$500 per item / $2,500 max |
$500 per item / $2,500 max |
|
Personal Effects |
$2,500 |
$2,500 |
|
Personal Property Off Premises |
$ 5,000 in transit
$15,000 at other locations
$15,000 fairs and exhibitions |
$ 5,000 in transit
$50,000 at other locations
$25,000 fairs and exhibitions |
|
Pollutant Cleanup |
$10,000 |
$10,000 |
|
Premises Boundary |
100 Feet |
100 Feet |
|
Preservation of Property |
30 days |
60 days |
|
Product Recall Expense |
$10,000 |
$100,000 |
|
Valuable Papers and Records |
$5,000* on premises / $2,500
off premises |
$15,000* on premises /
$2,500 off premises |
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Crime
Coverage's |
Primary Package
Limits |
Premier Package
Limits |
|
Employee Dishonesty |
$5,000* |
$20,000* |
|
Money and Securities - Inside/Outside |
$10,000* |
$20,000* |
|
Forgery & Alteration |
$2,500 |
$2,500 |
|
Money Orders & Counterfeit Paper Currency |
$1,000 |
$1,000 |
| |
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|
Liability
Coverages |
|
Premises/Operations and Products/Completed Operations |
$500,000, $1M or $2M 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 |
|
Personal Injury: |
Included |
|
Advertising Liability |
Included |
|
Bail Bonds |
$250 |
|
Tenants Liability |
$100,000 |
|
Medical Expenses |
$5,000 per person / $25,000
per occurrence |
|
Reasonable Expenses |
$250 / day |
|
Employee Benefits Liability |
$100,000* (Premier Only) |
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* Higher limits available |
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Optional
property coverage you can add to the package: |
|
Glass Deductible Buy Back |
Spoilage |
|
Earthquake |
Earthquake Sprinkler Coverage |
|
Equipment Breakdown |
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Optional
auto coverage you can add to the package: |
|
Hired and/or Non-Owned Auto Liability |
Owned Auto Coverage |
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Optional
liability coverage you can add to the package: |
|
Employer's Liability (Stop Gap) |
Liquor Liability |
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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 Receivers |
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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