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