90% Coinsurance

Modifies the Property Form to require that all property is insured to 90% of replacement.

Accountants Choice Endorsement

Adds or modifies a group of coverages to cater them to the Accounting Industry.

Accounts Receivable

Covers reconstruction/reimbursement of customer accounts rendered uncollectible because of covered cause of loss. Includes interest charges on loans to offset impaired collections, and collection expenses in excess of

normal cost.

Actual Cash Value

Modifies the Property Form so that losses are settled on an actual cash value basis.

Additional Insureds

Extends liability policy protection to include additional insureds listed on the form.

Animal Bailee

Modifies the Business Package Property Form to provide coverage due to the loss or destruction animals in the care, custody and control of the insured.

Appurtenant Buildings and Structures

Covers buildings and contents within 1,000 ft.of main building.

Architects, Engineers and Surveyors Property Extension

Adds or modifies a group of coverages to cater them to the Architects, Engineer and Surveyor Industry.

Architects, Engineers and Surveyors Liability Extension

Adds or modifies a group of coverages to cater them to the Architects, Engineer and Surveyor Industry.

Arson Reward

Provides reward payment for information that leads to an arson conviction from a covered fire loss.

Bailee Customer Goods

Adds coverage to property for customer’s property left in the care, custody and control of the insured.

Barbers’ Professional

Coverage is provided for bodily injury or property damage arising from professional services as a barber.

Beauticians’ Professional

Coverage is provided for bodily injury or property damage arising from professional services as a beautician.

Broadened Wind

Provides coverage for damage to building interior or business personal property for loss due to wind even if the building exterior is not first damaged.

Builders Risk

Provides coverage for materials and supplies intended to be part of a structure but not yet installed.

Building Glass

Covers damage including lettering and ornamentation, repair/replacement of frames, alarm tape, installation of temporary glass, board-up and removal of obstruction.

Building Owners Choice Endorsement

Adds or modifies a group of coverages to cater them to Building Owners.

Business Income Interruption of Computer Operations

Provides coverage for Business Income & Extra Expense for loss due to interruption of computer operations.

Business Income Interruption of Practice

Provides coverage for business income loss due to the interruption of the insured's practice.

Business Income – Newly Acquired Locations

Provides coverage for Business Income & Extra Expense for Newly Acquired Locations.

Business Income Extension

Increases Business Income coverage from 60 to 90 days.

Business Income & Extra Expense

Covers loss of income without a monthly limitation resulting from business suspension/interruption when insured property is damaged by a covered loss.

Business Income & Extra Expense – 72 hour deductible

Provides a 72 hour deductible to the coverages of Business Income and Extra Expense.

Business Income & Extra Expense – Dependent Properties

Covers loss of business income sustained when the suspension of the insured’s operations is caused by direct loss or damage to described dependent property.

Business Income & Extra Expense – Loss of Rents

Provides coverage for business income - loss of rents due to a loss from a covered loss.

Business Personal Property

Covers business personal property of customer where operations are conducted.

Business Personal Property Off Premises

Covers loss of Covered Property in CCC of marketing or sales personnel, at exhibitions, or temporarily at locations the insured does not own, rent, lease, operate, or occupy.

Causes of Loss – Broad Form Flood

Modifies Property to include flood as a covered cause of loss for Buildings and Business Personal Property.

Choice Endorsement

Adds or modifies a group of coverages to cater them to the Business Owner Industry.

Civil Authority

Covers loss of business income and extra expense caused by civil authority action that prohibits access to covered property (e.g. toxic spill in area causing area to be sealed off).

Claim Data Expenses

Provides coverage for expenses incurred while assisting in settling a loss.

Commercial Condominium Unit Owners Coverage

Adds coverage to property for commercial condominium unit owners.

Computer Fraud

Provides coverage for loss associated with computer fraud.

Contractor’s Tools & Equipment

Provides specific coverages for contractors installation, tool, & Equipment exposures at job/project sites.

Customers Property Coverage

Provides coverage for damage to customers' property at their premises while in the insured's care, custody or control.

Damage to Premises Rented to You – Legal Liability (Increased Limits)

Offers increased limits over what is included in the Business Owners Liability Coverage Form.

Debris Removal

Provides for cost to remove debris resulting from covered loss. Note: Does not include pollutant clean-up or removal costs.

Dental Lab Endorsement

Provides coverage for Dental offices.

Directors & Officers Legal Liability

Provides coverage for the liability exposures of Directors and Officers of Condominium Associations.

Directors or Trustees on Committees Included for Employee Dishonesty

Includes Directors or Trustees on Committees as employees for Employee Dishonesty.

Earthquake

Covers direct physical damage from earthquake or volcanic eruption, explosion, or effusion.

Earthquake Sprinkler – Leakage

Provides coverage for sprinkler leakage caused by earthquake.

Eating Establishment Choice Endorsement

Adds or modifies a group of coverages to cater them to the Eating Establishment Industry.

Electronic Data Processing

Covers computer hardware (including laptop, software, and communication systems) for loss caused by electrical disturbance and power supply disturbance.

Employee Benefits Liability

Covers the insureds’ legal obligations arising from negligent acts, errors or omissions committed in the administration of employee benefits programs.

Employee Benefits Liability (E&O)

Covers insured’s E & O and the liability for the acts of others for whom the insured is responsible in employee benefit program administration.

Employee Dishonesty

Covers loss of business property including money and securities due to employee theft; proof of loss other than inventory shortage must be demonstrated.

Employment Related Practices Liability

Provides coverage for employment related sexual harassment, wrongful termination and discrimination.

Enhanced Replacement Cost

Adds coverage to provide for increased settlement with regard to a property loss.

Equipment Breakdown

Applies to heating boilers, hot water supply boilers, other fired and unfired vessels, and associated piping. Includes hot water tanks, electric water heaters, compressed air tanks, hydro pneumatic tanks, condensate return tanks, expansion tanks, steam cookers, and steam kettles.

Equipment Breakdown – Increased Sublimit for Specific Equipment

Adds coverage to provide for a specified limit for a specific type of equipment.

Expediting Expenses

Provides coverage for expenses associated with minimizing loss (such as temporary repairs).

Fellow Employee Suits

Provides coverage for bodily injury to an employee caused by an employee.

Fine Arts

Provides coverage for expenses associated with loss to Fine Arts articles.

Fire Department Service Charge

Pays for Fire Department service charges incurred to save/protect covered property.

Fire Protective Equipment Discharge

Covers recharge expense of fire extinguishing systems after use to fight a fire.

Florist E & O Liability

Provides broadened coverage to Florists for Property Damage caused by wrongful act in providing services of a florist.

Food Contamination Coverage

Adds coverage for loss to food, due to contamination.

Forgery & Alteration

Covers loss from forgery or alteration of checks, promissory notes, or drafts or if insured is sued for refusing to pay on the grounds that it has been forged or altered.

Funeral Directors Professional Liability

Protects against bodily injury or property damage when rendering (or failing to render) professional services while operating as a mortician, including burial property of others in the insured’s care, custody or control.

Garagekeepers Coverage

Provides Physical Damage coverage for customers’ autos.

Hearing Aid Establishments Professional Liability

Provides coverage for establishments in the practice of providing Hearing Aid professional services.

Hired & Non-Owned Auto

Covers liability for bodily injury or property damage arising from maintenance or use of a hired or non-owned auto.

Inflation Guard

Modifies Property to include coverage adjustments due to the impact of inflation. Options range from 1% to 9.5% and apply to both Building and Business Personal Property.

Installation Floater

Provides coverage for materials, supplies, machinery, and equipment at installation sites on an Actual Cash Value basis.

Lawyers Choice Endorsement

Adds or modifies a group of coverages to cater them to the Lawyer Industry.

Liability and Medical Expense

The General Aggregate and the Products-Completed Operations aggregate is automatically twice the Liability and Medical Expense Limit.

Limited Pollution Liability Extension

Provided a limited exception to the pollution exclusion, subject to four conditions precedent to its applicability, at or from the customer’s premises or at locations where the customer or any of its contractors or subcontractors are performing operations.

Liquor Liability

Provides coverage for loss due to liquor liability that would otherwise be excluded by policy language. The occurrence limit will be the same as that applicable to all other GL Coverages and is subject to the annual aggregate.

Loss Assessment Property Coverage

Provides coverage for loss assessed by condominium associations.

Manufacturers and Wholesalers Selling Price

Provides coverage for inventory that is modified prior to sale but cannot exceed the 25% allowed in eligibility guidelines.

Mechanics Tools & Equipment

Provides coverage for mechanic’s tools and equipment both on a blanket and a scheduled basis.

Medical and Dental choice Endorsement

Adds or modifies a group of coverages to cater them to the Medical and Dental Industry.

Medical Payment

Pays medical expenses for bodily injury caused by an accident which either occurs on insured’s premises or is caused by insured’s operations.

Mine Subsidence Coverage

Provides coverage for Mine Subsidence in states where the coverage is required.

Money Orders and Counterfeit Paper Currency

Covers loss for money orders or counterfeit paper currency if accepted in good faith and not paid upon presentation.

Newly Acquired & Constructed Property

Provides coverage for newly acquired or constructed properties.

Non-Compensated Officers Included for Employee Dishonesty

Includes Non-Compensated Officers as employees for Employee Dishonesty.

Non-Owned Detached Trailers

Adds coverage to the small business package property form to provide coverage for trailers on the premises that are not owned and not attached.

Ordinance or Law

Covers cost to demolish/clear a site and increased cost to repair or reconstruct the property resulting from enforcement of building ordinances/laws.

Ordinance or Law (Coverage Extension)

Provides coverage for increased construction costs associated with meeting an ordinance or law after a covered loss.

Outdoor Property

Provides coverage for outdoor property at the premises.

Outdoor Trees, Shrubs & Plants

Covers loss/damage/debris removal (except windstorm, hail, vehicle, vandalism, or disease).

Personal & Advertising Liability

Insures against claims of false arrest detention, imprisonment, malicious prosecution, violation of right of privacy, wrongful entry, eviction and claims of libel, slander, defamation of character, product disparagement, piracy, copyright infringement arising from advertising of goods/products/ services.

Personal Effects

Covers the personal effects of owners, officers, and employees on premises.

Personal Property of Others Floater

Provides coverage for personal property of others left in the insured’s care, custody and control.

Pet Groomers Professional Liability

Provides coverage for injury or damage to domestic animals due to the rendering or failure to render professional services in the course of pet grooming or operating a pet boarding facility.

Pollutant Clean Up and Removal

Covers expenses to extract pollutants from land or water at covered location caused by or resulting from a specified cause of loss.

Premises/Operations

Insures against damages resulting from bodily injury, property damage, personal injury, and advertising injury from ownership, maintenance or use of premises or operations in progress.

Preservation of Property

Covers property while being moved or temporarily stored to preserve it from loss or damage.

Printers’ Errors & Omissions

Provides liability coverage for loss due to the insured’s negligent acts, errors, or omissions in the course of providing, or failure to provide, printing services.

Printers’ Errors & Omissions – Correction of Work

Provides coverage for cost to correct errors in the insured’s printing services.

Product Recall and Replacement Coverage

Provides coverage for accidents and errors in design and manufacture of products.

Products/Completed Operations

Insures against damages resulting from bodily injury/property damage resulting from the insured’s products or work (when damage occurs away from rented/owned premises, unless products for consumption on premises).

Property Managers Included for Employee Dishonesty

Includes Property Managers as employees for Employee Dishonesty.

Reimbursement of Legal Expenses Coverage for Court or Review Boards

Coverage reimburses the customer for expenses incurred when they are required to appear for disciplinary action by a court or a state review board.

Reimbursement of Legal Expenses Coverage for Disposal of Medical Waste

Coverage reimburses the customer for legal expenses resulting from a lawsuit alleging violation of a law or regulation governing disposal of medical waste.

Scheduled Property

Provides coverage for specific categories of business personal property:

1. On premises personal property;

2. Mobile/cell phones, beepers, pagers;

3. Athletic, equestrian, funeral, scouting;

4. Lodge, club, church;

5. Catering;

6. Musical instruments;

7. Cameras, projection machines, film & related equipment & accessories.

Seasonal Increase

Provides automatic increase to provide for seasonal fluctuations if BPP limit is at least 100% of average monthly values.

Sewer & Drain Back Up

Covers loss or damage to insured property caused by sewer/drain backup (except sump pump, well or similar device).

Signs

Provides coverage for signs located at the property including attached to the premises.

Signs – Off Premises

Provides coverage for signs located off premises.

Spoilage

Covers loss or damage from breakdown, contamination, or power outage to perishable stock whether owned or in the insured’s care, custody or control.

Spoilage – Consequential Loss

Adds coverage to the small business package policy to provide coverage for spoilage loss, which is a consequence of a covered loss. Coverage is included at BPP limits. No other options available.

Stop Gap Liability Coverage

Provides form of Employers’ Liability coverage for employee’s occupational injury in monopolistic workers compensation states (and Montana).

Technology Services Coverage

Modifies the Professional Services Exclusion in the Business Liability Coverage form to provide coverage for bodily injury, property damage and personal & advertising injury arising out of the customer’s technology services.

Temporary Relocation of Property

Provides coverage for property temporarily relocated due to renovation or restoration of premises.

Theft Damage to Rented Property

Provide coverage for damage occurring during attempted theft to the premises, if the tenant is liable for such damage.

Transportation Coverage (Deluxe Form)

Provides coverage for property while in the course of transit.

Transportation Coverage (Special Form)

Provides coverage for property in the course of transit.

Transportation Spoilage & Freezing Coverage Extension

Extends coverage from the Transportation Special Form to cover spoilage and freezing.

Utility Services – Direct Damage

Provides coverage for a direct damage loss due to a utility service.

Utility Services – Time Element

Provides coverage for Business Income loss due to a utility service - with a 24 hour deductible.

Vacancy Permit

Gives the option to suspend the vacancy language of the policy.

Valuable Papers

Covers cost to research, replace or restore lost information on valuable papers or records (including electronic or magnetic media).

Veterinarians’ Professional

Provides professional liability coverage for loss arising out of the rendering, or failure to render, professional services as a veterinarian.

Volunteer Workers

Included as Employees for Employee Dishonesty

Includes Volunteer Workers as employees for Employee Dishonesty.

Waiver of Charitable Immunity

Waives any charitable immunity of the customer, both in the adjustment of claims and in the defense of suits, unless the customer requests otherwise in writing.

Waiver of Subrogation

Provides a waiver of subrogation in the Business Liability Coverage form for a person or organization designated, or for a person or organization whom the customer has a contract that requires such a waiver.

Water Damage

Covers loss by accidental discharge or leakage of water from a system or appliance containing water, other than a sprinkler system.

Watercraft Liability Coverage Form

Provides liability coverage for owned watercraft, private pleasure type watercraft, less than 51 feet in length.

Welfare and Pension Plan ERISA

Provides coverage for employers to meet ERISA compliance standards.

Wind and Hail Deductible

Provides the option to apply a specified deductible to any loss caused by wind or hail.

Wind and Hail Exclusion

Provides the option to apply an exclusion for any loss caused by wind or hail.

Windstorm or Hail Business Income Special Deductible

Modifies Windstorm Hail Coverage to apply a 72 hour deductible.