Building and Structures – covers materials, equipment, supplies, additions, and new construction within 1,000 feet of premises.

Appurtenant  Structures included with building limit, 10% of building limit. Max $25,000.

Business Income and Extra Expense – 12 months’ actual loss sustained or billable hours basis; no waiting period; may be excluded for premium credit.

Newly Acquired or Constructed Buildings – $500,000 with 180 days to report; no percentage limitation.

Business Crime - Choose our enhanced program for legal services and we’ll protect you against losses resulting from employee dishonesty or forgeries. We’ll also provide coverage for your money and securities on-premises and in-transit.

EDP Equipment Coverage – a base level of protection is built into the policy and includes the option to increase the level or to schedule high value items including repair or replacement of computer systems.

Glass Breakage – full coverage; limited coverage ($500 pane/$1,000 occurrence) available for premium credit; property deductible can be eliminated as an option.

Accounts Receivable Coverage – protects you from losses caused by damage to your re c o rds which prevents you from collecting money owed you by customers.

Outdoor Property – covers fences and walls up to $2,500, may be increased up to $250,000; signs up to $5,000, may be increased up to $100,000; trees, shrubs, plants, and lawns up to $10,000, $1,000 per item sub-limit.

Back-up of Sewers and Drains – covered; may be excluded for premium credit.

Tools & Equipment Coverage – protects you against a loss concerning owned, borrowed, rented, or leased tools and equipment.

Leased Building PD Damage - $25,000 motor vehicle damage to leased buildings

Fire Legal Liability - $300,000 for leased premises

Additional Insureds - If a written contract requires you to name someone else as an additional insured on your policy, we’ll automatically extend that status to them.