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Listed below are the typical non-liability coverages and package limits available.
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Building (Building and/or BPP must be covered) |
Limit as Requested |
Limit as Requested |
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Business Personal Property (BPP and/or Building must be covered) |
$2,500 |
Limit as Requested |
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Accounts Receivable - On Premises/Off Premises |
$25,000/$2,500 |
$5,000,000 |
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Back up of Sewer or Drains |
$25,000 |
$5,000,000 |
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Business Income & Extra Expense (BI&EE) |
Actual Loss Sustained (ALS) |
Actual Loss Sustained (ALS) |
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BI-Dependent Properties* |
30 days |
N/A |
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Business Income & Extra Expense (BI&EE)- Civil Authority* |
3 Weeks |
N/A |
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Business Income & Extra Expense (BI&EE) - Newly Acquired Property* |
$250,000 |
N/A |
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Business Income & Extra Expense (BI&EE) - Time Period* |
12 Months |
N/A |
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Building Ordinance or Law - A |
Included with Building |
Limit as Requested |
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Building Ordinance or Law - B & C Combined* |
$50,000 |
Limit is Requested |
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Building Ordinance or Law - Business Income & Extra Expense* |
Actual Loss Sustained (ALS) |
Actual Loss Sustained (ALS) |
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Claims Expense |
$5,000 |
N/A |
|
Crime Conviction Reward |
$10,000 |
N/A |
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Debris Removal |
25% of Loss + $10,000 |
N/A |
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Deferred Payments |
$5,000 |
N/A |
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Electronic Data Processing & Media (EDP) - Blanket |
$10,000/$2,500 |
$5,000,000 |
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Employee Dishonesty |
$10,000 |
$1,000,000 |
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Extended Business Income* |
60 days (Not Covered) |
N/A |
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Exterior Building Glass |
Included with Building |
N/A |
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Fine Arts - Blanket |
$10,000/$2,500 |
$1,000,000 |
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Fire Department Service Charge |
$10,000 |
N/A |
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Fire Extinguisher Systems Recharge |
$1,000 |
N/A |
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Forgery or Alteration |
$10,000 |
$5,000,000 |
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Installation Property Blanket |
$2,500 |
$25,000 |
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Leasehold Interest |
$10,000 |
$5,000,000 |
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Lock Replacement Coverage |
$1,000 |
$5,000,000 |
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Money and Securities-Inside & Outside the Premise |
$10,000/$2,500 |
$50,000/$25,000 |
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Money Orders and Counterfeit Paper Currency |
$1,000 |
N/A |
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Newly Acquired or Constructed Buildings |
$500,000 |
N/A |
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Off-Premises Power or Water Failure - Direct |
$10,000 |
$5,000,000 |
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Off-Premises Power or Water Failure - Time Element* |
Actual Loss Sustained (ALS) |
Actual Loss Sustained (ALS) |
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Outdoor Property - Antennas and Satellite Dishes |
$1,000 |
$5,000,000 |
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Outdoor Property - Trees, Plants, Shrubs and Lawns |
$10,000/$1,000 |
N/A |
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Outdoor Property - Fences and Walls |
$2,500 |
$5,000,000 |
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Outdoor Signs |
$5,000 |
$5,000,000 |
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Patterns, Dies, and Molds |
$5,000 |
$5,000,000 |
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Peak Season BPP Increase (Seasonal Increase) Amount |
50% |
N/A |
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Personal Effects |
$2,500 |
N/A |
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Personal Effects - Clergy (Religious Classification Only) |
$5,000 |
N/A |
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Personal Property - Newly Acquired /Constructed Premises |
$250,000 |
N/A |
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Personal Property Off Premises |
$25,000 |
$5,000,000 |
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Pollutant Clean Up and Removal |
$10,000 |
N/A |
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Preservation of Property |
30 days |
N/A |
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Spoilage |
$5,000 |
$5,000,000 |
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Tools and Equipments - Blanket |
$5,000/$1,000 |
$5,000,000 |
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Transportation - Excl Spoilage |
$2,500 |
$5,000,000 |
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Unauthorized Business Card Use |
$5,000/$1,000 |
N/A |
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Valuable Papers - On Premises/Off Premises |
$25,000/$2,500 |
$5,000,000 |
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*If Business Income & Extra Expense Coverage is covered |
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