Coverage Options

Building: Have confidence knowing that if something were to happen to your office buildings or structures and any completed additions, you’d be covered. Coverage extends to permanently installed fixtures, machinery, and equipment.

Coinsurance: To ensure you have adequate coverage in the event you make a claim, it is encouraged that you maintain a policy limit equal to at least 80%, 90%, or 100% of the value of the property. The coinsurance clause imposes a penalty when a policyholder suffers a partial loss (not total loss) and has failed to purchase an adequate coverage.

Ordinance or Law: If the enforcement of any building, zoning or land use law results in loss to the undamaged portion of the building, this protects you.

Business Personal Property: If it moves, it’s most likely covered under this policy that refers to moveable items owned by your business such as furniture, office supplies, machinery, computers and all other personal property owned and used in the business—basically everything but the building itself.

Personal Property of Others: While this property doesn’t belong to you under contract, it’s in your business's care, custody and control. The type of business you operate will determine if you need to protect the personal property of others.

Causes of Loss: This is a form that’s part of your ISO commercial property policy. It helps to define the causes of loss for which coverage is provided. This form is usually combined with additional coverage forms, the commercial property conditions form, the common policy conditions form, and the declarations page.

Business Income/Business Interruption: Damage to your business premises can severely slow down or suspend your operations. This policy covers your loss of income during the time it takes to repair or replace the damaged property. It may also be extended to apply to loss suffered after completion of repairs for a specified number of days.

Extra Expense: While your property is being repaired or replaced after damage, this policy pays for those additional costs in excess of normal operating expenses that you incur to continue operations.

Boiler & Machinery/Equipment Breakdown: You know better than anyone that things break down. When that happens, this policy offers protection for the repair or replacement of equipment such as pipes, vessels, air conditioning, refrigerated equipment, electrical panels, production equipment etc. that would be damaged or destroyed from a sudden and accidental breakdown.


Group discounts
Multi-policy discounts

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