| Property Coverages |
Typical Basic Package Limits |
Typical Enhanced Package Limits |
| Buildings (coverage available upon request) |
$10M Maximum per building |
$10M Maximum per building |
| Business Income - Removal of 72 hour waiting period |
Enhanced only |
Included |
| Business Income Dependent Property |
Enhanced only |
Optional |
| Business Personal Property (BPP) |
$40M Max. PML per policy |
$40M Max. PML per policy |
| Business Personal Property at Newly Acquired Premises |
$100,000 |
$250,000 |
| Accounts Receivable |
$5,000* |
$25,000* |
| Back Up of Sewers or Drains |
$1000 per Occurrence for Each Described Building |
$1000 per Occurrence for Each Described Building* |
| Building Glass |
Included |
Included |
| Business Income |
18 Months, Actual Loss Sustained |
18 Months, Actual Loss Sustained |
| Claims Expense |
$1,000 |
$5,000
|
| Computer Coverage (Hardware) |
$10,000* |
$25,000* |
| Computer Coverage (Media & Records) |
$1,250* |
$6,250* |
| Crime Conviction Reward |
$5,000 |
$10,000 |
| Debris Removal |
Up to 25% of a covered loss plus up to $10,000 additional* |
Up to 25% of a covered loss plus up to $25,000 additional, in addition to the $10,000 included* |
| Equipment Breakdown |
Usually enhanced only |
Included in Limit of Insurance Selected for each Building |
| Extended Replacement Cost |
Usually enhanced only |
Up to 125% of Limit of Insurance for the Described Building |
| Fire Department Service Charge |
$1,000 |
$5,000 |
| Fire Extinguisher Recharge |
$2,500 |
$5,000 |
| Limited Collapse or Water Damage |
Included |
Included |
| Lock Replacement |
$100 per lock/$5,000 per Occurrence* |
$100 per lock/$10,000 per Occurrence* |
| Newly Acquired or Constructed Property |
Up to $1,000,000 per Described Building |
Up to $1,000,000 per Described Building |
| Outdoor Property |
$500 any one tree, Plant or Shrub/$2,500* |
$500 any one tree, Plant or Shrub/$2,500* |
| Outdoor Signs |
$10,000 per Described Building* |
$25,000 per Described Building* |
| Perishable Goods |
Usually enhanced only |
Included |
| Personal Property Off Premises |
$5,000 |
$5,000 |
| Pollutant Clean-Up & Removal |
$10,000* |
$25,000* |
| Premises Boundary Definitions |
100 feet |
1,000 feet |
| Tenants Move Back Coverage |
Usually enhanced only |
$10,000 per loss Occurrence per Described Building |
| Valuable Papers and Records |
$5,000* |
$25,000* |
| Crime Coverages |
Basic Package Limits |
Enhanced Package Limits |
| Employee Dishonesty |
$10,000* |
$25,000* |
| Money Orders and Counterfeit Papers |
$1,000 per Occurrence |
$1,000 per Occurrence |
| Forgery and Alteration |
$2,500 Maximum |
$2,500 Maximum |
| Money and Securities |
$10,000 Inside or Outside* |
$25,000 Inside or Outside* |
