Buildings and Personal Property Coverage Forms

  • Building
  • Business Personal Property
  • Personal Property
  • Improvements and Betterments

Condominium Coverage Form

  • Condo-Unit Owners Coverage

Commercial Output Policy

  • Manufactures
  • 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