• Buildings & Personal Property Coverage
    • Building
    • Business Personal Property
    • Personal Property
    • Improvements and Betterments
  • Condominium Coverage Form
    • Condo-Unit Owner’s Coverage
  • Commercial Output Policy
    • Manufacterers
    • Agricultural – Grower-Shipper – Packer “From field to Grocer” your perishables are covered
  • Building and Personal Property Coinsurance
    • Percentages – NONE 80% / 90% / 100%
  • Alternatives to Coinsurance
    • Functional Replacement Cost
    • Agreed Value
    • Peak Season
    • Reporting Form
  • Optional Property Coverages
    • Boiler and Machinery
    • Legal Liability
  • Optional Property Endorsements
    • Additional Debris Removal
    • Ordinance or Law
    • Outdoor Trees, Shrubs and Plants Enhancement
    • Replacement Cost Valuation
    • Spoilage
    • Utility Services-Direct Damage
  • Time Element Coverages
    • Business Income with Extra Expense
    • Coinsurance Percentage options 80% 90% 100%
  • Alternatives to Coinsurance
    • Agree Value
    • Maximum Period of Indemnity
    • Monthly Limit of Indemnity
    • Premium Adjustment
  • Optional Time Element Endorsements
    • Business Income from Dependent Properties
    • Ordinance or Law Increased Period of Restoration
    • Utility Services
  • Property and Time Element "Causes of Loss"
    • Basic
    • Broad
    • Special – formally known as “All Risk”
    • Earthquake
    • Flood
  • Inland Marine Coverages
    • Accounts Receivable
    • Commercial Articles
    • Contractors Equipment
    • Difference In Conditions – DIC
    • Electronic Data Processing
    • Fine Arts
    • Goods in Transit
    • Miscellaneous
    • Signs (Neon and Electric)
    • Valuable Papers and Records

Direct Damage vs. Time Element

Basic Coverage Requirements

3 Choices of Forms