| Property Coverages - Building and Business Personal Property: |
Basic Package Limits |
Enhanced Package Limits |
| Building - Replacement Cost (as requested) |
Limit of Insurance |
Limit of Insurance |
| Business Personal Property - Replacement Cost (as requested) |
Limit of Insurance |
Limit of Insurance |
| Causes of Loss - Special Form |
Building(s) Amount (include above and below ground storage tanks) |
Building(s) Amount (include above and below ground storage tanks) |
| Business Personal Property Amount (include contents of storage tank) |
Business Personal Property Amount (include contents of storage tank) |
| Business Personal Property of Others |
Business Personal Property of Others |
| Accounts Receivable |
$5,000 |
$5,000 |
| Arson Conviction Reward |
$5,000 |
$5,000 |
| Back Up Sewer and Drain |
$2,500 |
$5,000 |
| Business Income and Extra Expense - Dealers |
Optional |
$50,000 |
| Business Income and Extra Expense - Service Risks |
Optional |
12 Months ALS |
| Debris Removal |
[25%of (Ded.+ Loss Payment)] & Up to Additional $10,000 |
[25%of (Ded.+ Loss Payment)] & Up to Additional $10,000 |
| Electronic Data Processing Equipment |
Not Available |
$15,000 |
| Employee Tools |
Not Available |
$10,000 |
| Fire Department Service Charge |
$1,000 |
$2,500 |
| Fire Extinguisher Recharge Expense |
$1,000 |
$1,000 |
| Glass Coverage |
Included in Bldg. Limit |
Included in Bldg. Limit |
| Increased Cost of Construction |
5% of Building Limit/$10,000 |
5% of Building Limit/$10,000 |
| Lock Replacement |
$500 |
$1,000 |
| Newly Acquired or Constructed Location Business Personal Property |
$100,000 |
10% of BPP Limit/$200,000 |
| Newly Acquired or Constructed Property |
$250,000 |
25% of Building Limit/$500,000 |
| Outdoor Property (Trees/Shrubs/Plants) |
$1,000 |
$1,000 |
| Outdoor Signs |
$3,000 |
$5,000 |
| Personal Effects and Property of Others |
$2,500 |
$2,500 |
| Pollutant Clean Up |
$10,000 |
$10,000 |
| Preservation of Property |
30 days |
45 days |
| Property Off-Premises |
$10,000 |
$20,000 |
| Replacement Cost Coverage |
Included in Property Amt. of Ins. |
Included in Property Amt. of Ins. |
| Tenants Exterior Building Glass |
Not Available |
Included in BPP Limit |
| Theft, Disappearance or Destruction of Money & Securities, inside or outside the premises |
$1,000 |
$2,500 |
| Valuable Papers (On Premises) |
$5,000 |
$5,000 |
| Optional Property and Inland Marine Coverages |
|
|
| Accounts Receivable |
Increased Limits Optional |
Increased Limits Optional |
| Business Income and Extra Expense - Dealers |
Optional |
Increased Limits Optional |
| Business Income and Extra Expense - Service Risks |
Optional |
12 Month ALS |
| Cargo Coverage - Specified Causes of Loss: |
|
|
Specified Cause of Loss
|
Optional |
Optional |
Burglary & Robbery (Must have E7121)
|
Optional |
Optional |
| Earthquake (where available - SFA only) |
Optional |
Optional |
| Earthquake Sprinkler Leakage |
Optional |
Optional |
| Electronic Data Processing Equipment |
Optional |
Increased Limits Optional |
| Employee Tools |
Optional |
Increased Limits Optional |
| Equipment Breakdown |
Optional |
Optional |
| Inflation Guard |
Select 4%, 6%, or 8% |
Select 4%, 6%, or 8% |
| Leasehold Interest Coverage Form |
Optional |
Optional |
| Mine Subsidence (where available - SFA only) |
Optional |
Optional |
| Ordinance or Law Coverage: |
|
|
Coverage A - Loss to Undamaged Part of Building
|
Optional |
Optional |
Coverage B - Demolish Undamaged Part
|
Optional |
Optional |
Coverage C - Increased Cost of Construction
|
Optional |
Optional |
| Outdoor Signs |
Increased Limits Optional |
Increased Limits Optional |
| Valuable Papers and Records |
Increased Limits Optional |
Increased Limits Optional |
| Garage Coverages |
Included on all Garage Policies |
Included on all Garage Policies |
| Garage Coverage Form |
Limit of Insurance |
Limit of Insurance |
| Contractual Liability |
Included |
Included |
| Elevator Liability |
Included |
Included |
| Hired Auto Coverage BIPD - Dealers Risk Only |
Included |
Included |
| Non Owned Auto Coverage(BIPD) |
Included |
Included |
| Owned Auto Coverage (BIPD) |
Dealers Risk Only |
Dealers Risk Only |
| Owners Protective Liability |
Included |
Included |
| |
|
|
| Broadened Coverages |
Included on all Garage Policies |
Included on all Garage Policies |
| Fire Legal Liability |
$50,000 |
$50,000 |
| Host Liquor Liability |
Included |
Included |
| Incidental Medical Malpractice |
Included |
Included |
| Liability for Newly Acquired Garage |
Included |
Included |
| Limited Worldwide Liability |
Included |
Included |
| Non-Owned Watercraft |
Included |
Included |
| Personal and Advertising Injury |
$500,000 |
$500,000 |
| Spouses of Individual Insureds or Partners, as Insureds |
Included |
Included |
| Optional Coverage - Garage Dealers & Non-Dealers |
|
|
| Auto Medical Payments |
Optional |
Optional |
| Broad Form Products Coverage |
Optional |
Optional |
| Garage Locations and Operations Medical Payments Coverage |
Optional |
Optional |
| Garagekeepers Liability |
Optional |
Optional |
| Hired Auto Coverage BIPD |
Non-Dealer Risks Only |
Non-Dealer Risks Only |
| Hired Autos Specified as Covered Autos You Own |
Optional |
Optional |
| Owned Auto Coverage(BIPD) |
Scheduled Autos for Non Dealers |
Scheduled Autos for Non Dealers |
| Individual as Named Insured |
Included when selected |
Included when selected |
| Individual as Named Insured - Dealers Only |
Included when selected |
Included when selected |
| Owners of Garage Premises |
Optional |
Optional |
| Personal Injury Protection |
Optional if not Mandated by State |
Optional if not Mandated by State |
| Physical Damage to Individually Owned Autos(Non-Dealers) |
Scheduled Autos |
Scheduled Autos |
| Physical Damage: Dealers Autos |
|
|
Dealers Autos - Blanket
|
Optional |
Optional |
Additional Storage Locations
|
Optional |
Optional |
In Transit
|
Optional |
Optional |
| Uninsured/Underinsured Motorist Coverage |
Optional if not Mandated by State |
Optional if not Mandated by State |
| |
|
|
| Automotive Dealers Coverage Package - Optional for Dealers Only - Sold Only as a Package of Coverages |
| Dealers Drive Away Collision Coverage Applicable Only When Dealers Autos Physical Damage Coverage is Selected |
Removes the 50 mile limitation for collision coverage on Dealers Autos |
Removes the 50 mile limitation for collision coverage on Dealers Autos |
| False Pretense Coverage |
$80,000 |
$80,000 |
| Individual as Named Insured - Dealers |
Included in Garage Coverage Limit |
Included in Garage Coverage Limit |
| Insurance Agents Errors and Omissions |
$100,000 |
$100,000 |
| Odometer Liability |
$100,000 |
$100,000 |
| Products Deficiency Liability |
$100,000 |
$100,000 |
| Title Errors and Omissions |
$50,000 |
$50,000 |
| Truth in Lending Errors and Omissions |
$100,000 |
$100,000 |
| Optional Coverage - General Liability |
|
|
| Products and Completed Operations |
Selected Limits |
Selected Limits |
| Premises and Operations |
Selected Limits |
Selected Limits |
| Contractual Liability (Premises) |
Included in Limit |
Included in Limit |
| Elevator Liability |
Included in Limit |
Included in Limit |
| Employee Benefits Liability |
Optional |
Optional |
| Fire Legal Liability |
Included in Limit |
Included in Limit |
| Host Liquor Liability |
Included in Limit |
Included in Limit |
| Liability for Newly Acquired Business |
Included in Limit |
Included in Limit |
| Limit Worldwide Liability |
Included in Limit |
Included in Limit |
| Medical Payments (Premises) |
$5,000 |
$5,000 |
| Non-Owned Watercraft Coverage |
Included in Limit |
Included in Limit |
| Personal and Advertising Injury Liability |
Included in Limit |
Included in Limit |
| Protective Liability for Independent Contractors Acts |
Included in Limit |
Included in Limit |
| Spouses of Individual Insureds or Partners, as insureds |
Included in Limit |
Included in Limit |
| |
|
|
| Optional Coverage - Crime |
|
|
| Employee Dishonesty |
|
|
Blanket
|
Optional |
Optional |
Scheduled Employees
|
Optional |
Optional |
| Forgery and Alteration - Form B |
Optional |
Optional |
| Theft, Disappearance & Destruction - Money and Securities - Form C |
Increased Limits Optional |
Increased Limits Optional |
| Robbery & Safe Burglary - Other than Money and Securities - Form D |
Optional |
Optional |
| Premises Burglary - Other than Money and Securities - Form E |
Optional |
Optional |
| Extortion - Form G |
Optional |
Optional |
| Premises Theft & Robbery Outside - Other than Money & Securities - Form H |
Optional |
Optional |
| Robbery and Safe Burglary - Money and Securities - Form Q |
Optional |
Optional |
| Auto Supplies, Equipment, Gasoline and Oil in Outside Containers Endorsement (Requires Forms E or H) |
Optional |
Optional |
| Optional Coverage - Umbrella Liability |
|
|
| Umbrella Liability |
Optional |
Optional |
