| Building | Special Cause of Loss, Replacement Cost Coverage, NO Coinsurance |
| Contents/Business Personal Property | Special Cause of Loss, Replacement Cost Coverage, NO Coinsurance |
| Business
Income
Period of Restoration Extended Business Income |
Actual
Loss for 12 months
Begins after 24 hours To 120 days |
| Business Income for Dependent Properties | $ 10,000 |
| Accounts Receivable Records | $
25,000 on Premises
$ 5,000 off Premises (can be increased) |
| Auto Hoist Collision | included |
| Back up of Sewer or Drain | $ 25,000 |
| Claims Expense | $
5,000
includes loss of earnings, up to $ 500 per day |
| Computer Equipment | $
40,000
(can be increased) |
| Computer Media | $ 10,000 |
| Damage to Building Caused by Theft or by a Vehicle | included included in business contents limit |
| Damage to Building Caused by Theft or by a Vehicle | included in business contents limit |
| Definition of "Premises" | extended to 1,000 feet |
| Diagnostic Equipment | included in business contents limit |
| Employee Dishonesty | $
25,000
(can be increased) |
| Employees'
Tools & Equipment
Off Premises & In Transit Theft |
included
$ 2,500 $ 1,000 per Employee; $ 5,000 maximum |
| Equipment Breakdown | included |
| Exterior Building Glass | included |
| Fire Department Service Charge | $ 10,000 |
| Fire Protection Equipment | $ 15,000 |
| Forgery & Alteration | $
10,000
(can be increased) |
| Interior Building Glass | included |
| Lock & Key Replacement | $
500 premises;
$ 500 customers' autos |
| Money, Securities and Credit Card Slips | $
25,000 on Premises
$ 5,000 off Premises (can be increased) |
| Outdoor Property | $ 10,000 ($ 500 per Tree/Shrub/Plant) |
| Outdoor Signs | $
5,000 (Attached or Unattached)
(can be increased) |
| Personal Property In Transit | $
25,000
(Max. $ 2,500 Employees' Tools & Equipment) |
| Personal Property Off Premises | $ 25,000 |
| Pollutant Clean Up & Removal | $ 25,000 |
| Utility Service Direct Damage | $ 25,000 |
| Utility
Service Time Element
(48 hr Waiting Period) |
$ 25,000 |
| Valuable Papers & Records | $
25,000 on premises
$ 10,000 off premises (can be increased) |