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Business Personal Property - Preservation of Property
30 days
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Fire Dept Service Charge
$1000
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Attached Sign
$1000 coverage
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Unattached Sign
- 100 ft for coverage
- $2500 for coverage
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Debris Removal
Cannot exceed 25%, add’l $25,000 if needed
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Newly Acquired Buliding
- Cov up to $250,000
- Business Income Loss up to $100,000
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Business Personal Property on newly Acquired Building
Cov up to $100,000
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Outdoor Property
- Trees, shrubs, plants, fences, satelite dishes and antennas
- Cov up to $1000, trees/shrubs/plants up to $250 each
- - FLARE (requires 80% coinsurance)
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Property Off Premises
$10,000
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Commercial Vacancy
- - Coverage provided for Fire will be reduced by 15%
- - Building at least 31% occupied
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Earthquake
- 168 hr = one occurence
- Min ded = $250
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Business Income
72 hours /3 day ded
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Civil Authority
Business Income - up to 4 consecutive weeks
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Medical Payment Reporting
- - HO Medical Pymt within 3 yrs
- - Personal Auto within 2 yrs
- - Business Auto within 3 yrs
- - Business Medical Pymt within 1 yrs
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1980 Motor Carried Act
- Type 1 - non hazardous - 750k
- Type 2 - Hazardous - 5 M
- Type 3 - Oil as hazardous- 1M
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Businessowers Policy
- - Eligible risk up to 3M gross sales and 25k sqft
- - Aprt Building - no size limit
- - Office up to 6 stories and 100k sqft
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- Account Receivable
- Valuable Paper and Records
- - $10,000 on premises
- - $5000 off premises
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Mortgagee
- NOC - 20 days
- NRN - 10 days
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WC Benefit waiting period
5 days
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NOC to Insured - non-pymt
- Liquor - 30 days
- Auto - 20 days
- Prop Ins - 10 days
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Fraud & Misrepresentation eff 60 days or more cancellation (NOC other than non-pay)
5 days
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Liquor NOC other than non-pay
60 days
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Claim Settlement
- Notified Insured decision within 15 days
- Pay ind within 30 days
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Monetary Penalty for Perjury
$100 - $1000
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Producer prinson sentence for embezzlement
5 years
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WC Paid Injury
Filed within 4 years
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Fine for unfair sales
$1000
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Required Repair on Replacement Cost Basis
2 years
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