General & Property Office Liability

Size: px
Start display at page:

Download "General & Property Office Liability"

Transcription

1 General & Property Office Liability General Liability Insurance provides coverage for all liability exposures unless specifically excluded. Liability exposure can include: Libel, slander, injury, damage to other s property while on premises and much more. Liability coverage section of a Commercial General Liability Policy (CGL) provides for separate limits of coverage for general liability, fire legal liability, products and completed operations liability, advertising and personal liability, and medical payments. Property Insurance provides coverage for physical damage to all the owned business property at any insured location. Coverage includes physical property such as; A owned building (Office Building, Condo, Retail Shop, house) Desk, Chairs, art work, computers, marketing materials. We provide additional coverage for accounts receivable, electronics/data equipment, boiler & machinery, convention center coverage, equipment breakdown coverage, business income and extra expense coverage and many more.(automatic limits are shown on Page 2)

2 Limits Below are some of the Highlights of our Travelers Product: $2 million per occurrence/ $4 million aggregate available for Liability Coverage Replacement Cost No coinsurance Additional Coverage and Coverage Extension ( in Addition to Limits of Liability) Arson & Theft Reward up to 5, 000 Claim Data Expense up to 5, 0000 Employee Dishonesty up to 25,000 and limit can be increased Fine Arts up to 25, 000 Fire Department Service Charge up to 25,000 Newly Acquired or constructed Property (building up to 500,000 and business property up to 250,000 up to 180 days) Pollutant Cleanup and Removal up to 25,000 annual aggregate Forgery & Alteration up to 25,000 Ordinance or Law up to a combined 25,000 Temporary Relocation of Premises up to $50,000 for property removed from premises for up to 90 days Water Damage, other liquids, Powder or Molten Material Damage pays cost related to accessing the source of damage

3 Limits Continued.. Coverage Extensions Provided within the limits of Insurance Accounts Receivable up to $25,000 on and off premises (on premises can be increased) Appurtenant Building and Structures up to $50,000 Building Glass for building owners or tenant, property deductible applies with option for glass-specific deductible Business Income and Extra Expense Newly Acquired Premises up to $250,000 for up to 90 days Business Personal Property off Premises coverage applies in transit, temporarily at premises you do not own, lease, or operate and/or at any fair, trade show or exhibit Civil Authority extends business income and extra expense coverage beginning after a 24 hour waiting period for up to 3 consecutive weeks Electronic Data Processing included up to Business Personal Property limit, subject to a maximum of $50,000 and can be increased - Worldwide Coverage (limited exclusions artificial electricity, breakdown and off-premises power failure are covered - up to $25,000 for transit/off premises, newly acquired EDP, backup data off premises, electronic vandalism. Equipment Breakdown included -$100,000 limit applies to breakdown of diagnostic equipment, power generating equipment or production equipment limit can be increased -$25,000 for pollutant contamination & expediting expenses

4 Limits Continued.. -Coverage can be excluded Interruption of Computer Operations up to $25,000 aggregate limit due to physical loss to EDP data/media. Limit can be increased Money Orders and Counterfeit Paper Currency Included with BPP Non-Owned Detached Trailers up to $5,000 Ordinance or Law Increase Period of Restoration up to $25,000 Outdoor Property up to $10,000 applies to - Bridges, walks, roadwards, patios - Radio and television antennas -satellite dishes -limits can be increased Personal Effects up to $25,000 Signs Coverage included Spoilage Consequential Loss Covers damage due to change in temperature or humidity due to a covered cause of loss Theft Damage to Rented Property applies to tenants who are obligated to make repairs Valuable Papers and Records up to $25,000 on and off premises. On premises can be increased

5 Optional Limits Acocunts Receivable increased by $100,000 on and off premises Brands or Labels up to $25,000 Business Income and Extra Expense from Dependent Property increased to $25,000. Newly Acquired Business Property Increased to $500,000 Claim Data Expense increased to $10,000 Computer Fraud up to $5,000 Electronic Data processing equipment, data, and media off premises increased to $50,000 Electronic vandalism increased to $50,000 Extended Business Incomes increased to 90 days Identity Fraud Expense up to $15,000 (annual Aggregate per Insured Person Limited Building Coverage tenant obligation up to $5,000 Lost Key Consequential Loss up to $500 Ordinance or Law includes tenants improvements and betterments and increased period of restoration, increased to $50,000 Unauthorized Business card Use up to $5,000 Utility Service Direct Damage up to $2,500 Utility Services Time Element up to $2,500 Inflation Guard Automatically increases the Limit of Insurance For building and /or business property by a predetermined percentage. ERISA Welfare and Pension include employee benefit plans sponsored by the Insured.

Optimum Property Comparison to Property Plus

Optimum Property Comparison to Property Plus Optimum Property Comparison to Property Plus Our Optimum Property provides a comprehensive suite of coverages. This document provides a comparison between the Optimum Property coverage form and the Property

More information

Professional Liability Coverage for Law Offices

Professional Liability Coverage for Law Offices SMALL BUSINESS INSURANCE Professional Liability Coverage for Law Offices Coverage you need from a name you trust The Hartford Most lawyers agree, professional liability coverage is essential. But, it isn

More information

reasons why... PROPERTY AND LIABILITY PROTECTION

reasons why... PROPERTY AND LIABILITY PROTECTION 101 reasons why... PROPERTY AND LIABILITY PROTECTION The Unbeatable Team: You, Customarq Classic and Chubb In today s competitive sales arena, you want to offer the best package product to your commercial

More information

Businessowners Coverage

Businessowners Coverage Businessowners Coverage BUILDING AND/OR BUSINESS PERSONAL PROPERTY COVERAGES Buildings Covers your described building, outdoor fixtures (e.g., light poles and flag poles), building glass, permanently installed

More information

business key policy protecting your DReAMs

business key policy protecting your DReAMs business key policy PROTECTING YOUR DREAMS Why A Business Key Policy? A standard business policy is fine for some businesses. But many businesses have unique needs that require specialized or supplemental

More information

POLICYHOLDER NOTICE YOUR NEW BUSINESSOWNERS POLICY

POLICYHOLDER NOTICE YOUR NEW BUSINESSOWNERS POLICY ST-7680 (Ed. 04-12) New policy look. Same quality. POLICYHOLDER NOTICE YOUR NEW BUSINESSOWNERS POLICY Thank you for renewing your insurance with Harleysville. Your business insurance for your garage operations

More information

Rental Dwelling Protection Program

Rental Dwelling Protection Program Rental Dwelling Protection Program American Family s Rental Dwelling Protection Program With more than thirty years of commercial lines policy experience and $15 billion in assets*, American Family offers

More information

Automotive services features

Automotive services features Automotive services features Travelers Canada E-Clips Designed for specific occupancies which maintain or repair private passenger or small commercial vehicles. Feature coverages: 1. Pollution clean up

More information

Businessowners Garage Coverage

Businessowners Garage Coverage Businessowners Garage Coverage American Family s Businessowners Garage Coverage With more than thirty years of commercial lines policy experience and $15 billion in assets*, American Family offers businesses

More information

BROADENED PROPERTY COVERAGE EXTENSION

BROADENED PROPERTY COVERAGE EXTENSION COMMERCIAL PROPERTY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BROADENED PROPERTY COVERAGE EXTENSION This endorsement modifies insurance provided under the following: COMMERCIAL PROPERTY

More information

international coverage summary

international coverage summary At CNA International we provide innovative, flexible and comprehensive insurance solutions for your Insured s expanding global needs. CNA International capabilities: CNA offers foreign coverage for your

More information

Commercial Lines Exposure Checklist For:

Commercial Lines Exposure Checklist For: Commercial Lines Exposure Checklist For: Client Name Date Coverage Has Coverage Need Coverage Not Applicable/ Miscellaneous Policices Aircraft Products Liability Aviation Bonds Breach of Privacy Credit

More information

SAMPLE. Total Estimated Annual Premium for Spectrum: $ 1,576.00. POLICY LEVEL Property Coverage... 2

SAMPLE. Total Estimated Annual Premium for Spectrum: $ 1,576.00. POLICY LEVEL Property Coverage... 2 YOUR BUSINESS INSURANCE SOLUTION SPECTRUM PROPOSAL Prepared for: Human Nutrition Industries Inc DBA International Science Pro 9901 E La Palma Ave., Anaheim, CA 92807 Proposed by: PAPERLESS INSURANCE SERVICES

More information

Farm and ranch owners, commercial growers and packers AGRIBUSINESS WE INSURE YOUR GROWING BUSINESS SM

Farm and ranch owners, commercial growers and packers AGRIBUSINESS WE INSURE YOUR GROWING BUSINESS SM Farm and ranch owners, commercial growers and packers AGRIBUSINESS WE INSURE YOUR GROWING BUSINESS SM Farm and ranch owners have a different lifestyle than other businesses, which translates into unique

More information

Commercial Lines Program Summary: TOWER HILL PRIME

Commercial Lines Program Summary: TOWER HILL PRIME Commercial Lines Program Summary: TOWER HILL PRIME COMPANY BACKGROUND Founded in 1972, Tower Hill Insurance Group has become one of Florida's most trusted names in homeowners insurance and select commercial

More information

Product Liability Insurance Proposal Prepared for: Lucas Luggage Bags, Inc San Francisco, CA 94114. Proposed by:

Product Liability Insurance Proposal Prepared for: Lucas Luggage Bags, Inc San Francisco, CA 94114. Proposed by: Product Liability Insurance Proposal Prepared for: Lucas Luggage Bags, Inc San Francisco, CA 94114 Proposed by: PAPERLESS INS SERVICES INC/PHS San Francisco, CA 94121 Proposal Date: 08/27/2014, 3:02 PM

More information

Tenant-occupied. Preferred Office Program (POP) Customer Service (727) 823-4000 (800) 627-0000. Claims (800) 765-9700

Tenant-occupied. Preferred Office Program (POP) Customer Service (727) 823-4000 (800) 627-0000. Claims (800) 765-9700 Customer Service (727) 823-4000 (800) 627-0000 Claims (800) 765-9700 Bankers Insurance Group 11101 Roosevelt Blvd N St. Petersburg, FL 33716 Includes Material Insurance Services Office, Inc. BIG-6305-0412

More information

Minimum terms and limits

Minimum terms and limits Insurance Coverage Requirement PROPERTY Church building, contents, fine arts, musical items, etal Minimum terms and limits Blanket limits for all property insured. No co-insurance clause Replacement cost

More information

Garage Insurance. Guide

Garage Insurance. Guide Garage Insurance Guide Garage Insurance Auto-Owners has the versatility and flexibility needed to make sure you and your business are properly protected. With our Garage and Premier Garage programs, we

More information

COMMERCIAL PROPERTY ENHANCEMENT ENDORSEMENT

COMMERCIAL PROPERTY ENHANCEMENT ENDORSEMENT THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COMMERCIAL PROPERTY ENHANCEMENT ENDORSEMENT This endorsement modifies insurance provided under the following: BUILDING AND PERSONAL PROPERTY

More information

Business Choice Renewal Quote

Business Choice Renewal Quote Business Choice Renewal Quote To: Amanda Shyhinskyj 67399 - HUB International HKMB Limited From: Alice Chung Sony Pictures Entertainment Inc., as per endorsement 133 Yonge Street Suite 1 Toronto, ON M4T

More information

Precision Premier Finalize Quote Proposal

Precision Premier Finalize Quote Proposal Zurich in North America Small Business ATTENTION DENVER AGENCY COMPANY Thank you for the opportunity to provide your quote. This quote is based on the underwriting and rating information, including deductibles

More information

Glossary of Insurance Terms

Glossary of Insurance Terms Accounts Receivable... Inland Marine Actual Cash Value (ACV)... Property Advertising Injury...General Liability Agreed Amount... Property Blanket Additional Insured...General Liability Blanket Limit...

More information

Prepared. Copyright, State Farm Mutual Automobile Insurance Company, 2008

Prepared. Copyright, State Farm Mutual Automobile Insurance Company, 2008 0108-ST--0001 STATE FARM FIRE AND CASUALTY COMPANY A STOCK COMPANY WITH HOME OFFICES IN BLOOMINGTON, ILLINOIS 3 Ravinia Drive Atlanta GA 30346-2117 Named Insured AT2 004381 3125 ORCHARD VILLA TOWNHOME

More information

COMPREHENSIVE INSURANCE PROGRAM

COMPREHENSIVE INSURANCE PROGRAM COMPREHENSIVE INSURANCE PROGRAM A Group Program Designed Exclusively For Canadian IABC Members* Underwritten by: AXA Insurance Company of Canada 24 Hour Claims Response Hot Line Toll Free 1-800-268-8865

More information

Boat Dealer & Boat Repair. Guide

Boat Dealer & Boat Repair. Guide Boat Dealer & Boat Repair Guide Boat Dealer & Boat Repair Auto-Owners has the versatility and flexibility needed to make sure you and your business are program also gives you the ability to insure automobiles

More information

Hanover Avenues. Insurance for Law Offices. Who protects your business, while your business is busy protecting others?

Hanover Avenues. Insurance for Law Offices. Who protects your business, while your business is busy protecting others? Hanover Avenues Insurance for Law Offices Who protects your business, while your business is busy protecting others? DESIGNED WITH YOUR PROTECTION IN MIND The Hanover has created a comprehensive suite

More information

THE 9 THINGS YOU MUST KNOW ABOUT PROPERTY AND GENERAL LIABILITY INSURANCE

THE 9 THINGS YOU MUST KNOW ABOUT PROPERTY AND GENERAL LIABILITY INSURANCE BUYING SELLING AND LEASING of INVESTMENT REAL ESTATE THE 9 THINGS YOU MUST KNOW ABOUT PROPERTY AND GENERAL LIABILITY INSURANCE A Special Report Prepared By the HollywoodCommercialRealtor.com Copyright

More information

Businessowners P olicy (BOP)

Businessowners P olicy (BOP) 8 Businessowners P olicy (BOP) O h i o P r o p e r t y a n d C a s u a l t y I n s u r a n c e Businessowners Policy (BOP) Insurance companies have identified the six types of businesses that have been

More information

Renters Insurance. When you want to leave nothing to chance.

Renters Insurance. When you want to leave nothing to chance. Renters Insurance When you want to leave nothing to chance. Property Coverage The Renters Policy protects your possessions in the event of: Fire Lightning Windstorm Hail Explosion Riot Aircraft Damage

More information

Commercial Property Coverage Guide, 4th Edition

Commercial Property Coverage Guide, 4th Edition Brochure More information from http://www.researchandmarkets.com/reports/1413755/ Commercial Property Coverage Guide, 4th Edition Description: A business - from the one person office or store to the highly

More information

How To Get A Liability Coverage From Ani/Niac

How To Get A Liability Coverage From Ani/Niac General Liability Highlighted Features of our General Liability Coverage ANI and NIAC are 501(c)(3) nonprofits whose sole (All mission included is at to no additional charge, Nonprofits unless noted) OWN

More information

BUSINESSOWNERS COVERAGE FORM

BUSINESSOWNERS COVERAGE FORM BUSINESSOWNERS COVERAGE FORM BUSINESSOWNERS BP 00 03 01 10 Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered.

More information

Supplementary Declarations - Property

Supplementary Declarations - Property Named Insured and Mailing Address Supplementary Declarations - Property Chubb Group of Insurance Companies 15 Mountain View Road Warren, NJ 07059 Issued by the stock insurance company indicated below,

More information

COMMERCIAL RISK MANAGEMENT COVERAGE SUMMARY

COMMERCIAL RISK MANAGEMENT COVERAGE SUMMARY COMMERCIAL RISK MANAGEMENT COVERAGE SUMMARY COMMERCIAL RISK MANAGEMENT Prepared for: GRAF MEADOWS HOA 3300 NW 185TH AVE PMB 195 PORTLAND OR 97229-3406 RICH RANF AGENT By: STATE FARM INSURANCE COMPANIES

More information

Personal and Business Property Table of Contents. Chapter One: Property Insurance Terms and Concepts 9-13

Personal and Business Property Table of Contents. Chapter One: Property Insurance Terms and Concepts 9-13 Personal and Business Property Table of Contents Chapter One: Property Insurance Terms and Concepts 9-13 Insurance Insurable Interest Risk Hazard Peril Loss Proximate Cause Deductible Indemnity Actual

More information

UPDATED SECTION 8. (If you are testing on or after July 1, 2006 please study this in place of Section 8 in your book) 2006 Businessowners Policy

UPDATED SECTION 8. (If you are testing on or after July 1, 2006 please study this in place of Section 8 in your book) 2006 Businessowners Policy UPDATED SECTION 8 (If you are testing on or after July 1, 2006 please study this in place of Section 8 in your book) 2006 Businessowners Policy The BOP (Businessowner's Policy) is a package policy especially

More information

COMMERCIAL PROPERTY SELECT EXTENSION ENDORSEMENT

COMMERCIAL PROPERTY SELECT EXTENSION ENDORSEMENT ATTACHED TO AND FORMING PART OF POLICY NUMBER: COMMERCIAL PROPERTY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COMMERCIAL PROPERTY SELECT EXTENSION ENDORSEMENT Various provisions in

More information

GOLD Product Enhancements

GOLD Product Enhancements GOLD Product Enhancements What has GOLD been up to lately? Equipment Breakdown Legal Expense Insurance GOLD Rebranding Expand GOLD into British Columbia edocs for Personal Lines Jewellery and Valuable

More information

Merchants Insurance Group Massachusetts, Michigan, New Hampshire, New York, Ohio, Pennsylvania, Rhode Island and Vermont Commercial Lines Agents

Merchants Insurance Group Massachusetts, Michigan, New Hampshire, New York, Ohio, Pennsylvania, Rhode Island and Vermont Commercial Lines Agents April 27, 2011 BULLETIN NO. 5156 TO: SUBJECT: Merchants Insurance Group Massachusetts, Michigan, New Hampshire, New York, Ohio, Pennsylvania, Rhode Island and Vermont Commercial Lines Agents MAP Businessowners

More information

Contractor s Plus Program

Contractor s Plus Program BR 842 6/17/04 9:15 AM Page 5 Contractor s Plus Program Building the Right Program for You Selective Insurance Group, Inc., is an A.M. Best-rated A+ (Superior) regional insurance company with assets of

More information

MINIMUM INSURANCE STANDARDS

MINIMUM INSURANCE STANDARDS DIOCESE OF FREDERICTON Policy A-8 MINIMUM INSURANCE STANDARDS The following is an outline of the basic minimum insurance coverages required by the Diocesan Synod of Fredericton: Property Insurance - Building,

More information

Businessowners Enhancement Endorsement

Businessowners Enhancement Endorsement BUSINESSOWNERS WN BP 37 01 14 Businessowners Enhancement Endorsement The following is a summary of increased limits of insurance and additional coverages provided by this endorsement. This is subject to

More information

RLI Home Business Insurance Policy COVERAGE DETAILS AND EXCLUSIONS

RLI Home Business Insurance Policy COVERAGE DETAILS AND EXCLUSIONS RLI Home Business Insurance Policy COVERAGE DETAILS AND EXCLUSIONS NOTE: This document is a general analysis of the coverages, limitations and exclusions applicable to the RLI Home Business Insurance (HBI)

More information

Insurance Basics 101: Demystifying Your Insurance Program. RLI Design Professionals Design Professionals Learning Event DPLE 165 December 16, 2015

Insurance Basics 101: Demystifying Your Insurance Program. RLI Design Professionals Design Professionals Learning Event DPLE 165 December 16, 2015 Insurance Basics 101: Demystifying Your Insurance Program RLI Design Professionals Design Professionals Learning Event DPLE 165 December 16, 2015 RLI Design Professionals is a Registered Provider with

More information

TripleGuard TM Insurance

TripleGuard TM Insurance TripleGuard TM Insurance Canadian Dentists Insurance Program THREE TYPES OF OFFICE COVERAGE IN ONE PLAN AND AN AVAILABLE BUILDING INSURANCE OPTION Fire, theft, privacy breaches and lawsuits are just a

More information

SPECIAL REPORT. BUILDING A BETTER LEASE AGREEMENT Key Considerations in Negotiating Landlord Favored Commercial Insurance and Indemnity Provisions

SPECIAL REPORT. BUILDING A BETTER LEASE AGREEMENT Key Considerations in Negotiating Landlord Favored Commercial Insurance and Indemnity Provisions SPECIAL REPORT BUILDING A BETTER LEASE AGREEMENT Key Considerations in Negotiating Landlord Favored Commercial Insurance and Indemnity Provisions (06-17-08) This Special Report was written by Kenneth R.

More information

Boiler and Machinery Insurance

Boiler and Machinery Insurance Boiler and Machinery Insurance What is boiler and machinery insurance? You don t need a boiler to have the exposure! The term "boiler and machinery" insurance is really a misnomer. Modern policies cover

More information

ACORD Logo and Other PROTECTION

ACORD Logo and Other PROTECTION BUSINESS OWNERS SECTION AGENCY NAME CARRIER Metropolitan Insurance Services POLICY NUMBER EFFECTIVE DATE FIRST NAMED INSURED DATE (MM/DD/YYYY) NAIC CODE POLICY TYPE STANDARD SPECIAL PERSONAL PROPERTY LIABILITY

More information

CAMBRIDGE PROPERTY & CASUALTY SPECIAL REPORT

CAMBRIDGE PROPERTY & CASUALTY SPECIAL REPORT CAMBRIDGE PROPERTY & CASUALTY SPECIAL REPORT BUILDING A BETTER LEASE AGREEMENT Key Considerations in Negotiating Landlord Favored Commercial Insurance and Indemnity Provisions This Special Report was written

More information

American International Companies. 70 Pine Street New York, NY 10270 (212) 770-7000 SPECIMEN BUILDING AND PERSONAL PROPERTY COVERAGE FORM

American International Companies. 70 Pine Street New York, NY 10270 (212) 770-7000 SPECIMEN BUILDING AND PERSONAL PROPERTY COVERAGE FORM American International Companies 70 Pine Street New York, NY 10270 (212) 770-7000 BUILDING AND PERSONAL PROPERTY COVERAGE FORM Various provisions in this policy restrict coverage. Read the entire policy

More information

Step 1. Step 2 REVIEW YOUR POLICY PROMPT NOTICE TO INSURANCE CARRIER

Step 1. Step 2 REVIEW YOUR POLICY PROMPT NOTICE TO INSURANCE CARRIER business income insurance checklist Each year, many organizations suffer a temporary interruption of their business operations due to the damage and destruction caused by hurricanes and other causes of

More information

COMMERCIAL PROPERTY COVERAGE FORM

COMMERCIAL PROPERTY COVERAGE FORM COMMERCIAL PROPERTY COVERAGE FORM Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered. Throughout this policy

More information

Consumer s Quick Check Guide Condominium Unit-Owners Policy

Consumer s Quick Check Guide Condominium Unit-Owners Policy Consumer s Quick Check Guide Condominium Unit-Owners Policy Explanation of Coverage Limits and Options: This Consumer s Quick Check Guide to the Condominium Unit-Owners Policy is based, in part, on Insurance

More information

BCACC Insurance Program Summary of Insurance. Professional Liability (Errors & Omissions) Insurance

BCACC Insurance Program Summary of Insurance. Professional Liability (Errors & Omissions) Insurance BCACC Insurance Program Summary of Insurance Benefits & Features 2012 2013 TERM Professional Liability (Errors & Omissions) Insurance This coverage protects the member &/or their legal entity private practice

More information

General Liability. www.insurancefornonprofits.org A Head for Insurance. A Heart for Nonprofits. (800) 359-6422

General Liability. www.insurancefornonprofits.org A Head for Insurance. A Heart for Nonprofits. (800) 359-6422 General Liability Highlighted Features of our General Liability Coverage ANI and NIAC are 501(c)(3) nonprofits whose sole (All mission included is at to no additional charge, Nonprofits unless noted) OWN

More information

Commercial General Liability Insurance (Lecture 9) Overview of Lecture 9 (chapters 3 and 4 CPCU 4)

Commercial General Liability Insurance (Lecture 9) Overview of Lecture 9 (chapters 3 and 4 CPCU 4) Commercial General Liability Insurance (Lecture 9) I. Policy structure Overview of Lecture 9 (chapters 3 and 4 CPCU 4) II. Coverages A. Coverage A: BI and PD liability B. Coverage B: Personal injury and

More information

Coverage Checklist BUSINESS, PROPERTY, AUTO, LIABILITY & RELATED COVERAGE. Insurance Health & Benefits Financial Services Tax Preparation

Coverage Checklist BUSINESS, PROPERTY, AUTO, LIABILITY & RELATED COVERAGE. Insurance Health & Benefits Financial Services Tax Preparation Coverage Checklist BUSINESS, PROPERTY, AUTO, LIABILITY & RELATED COVERAGE Insurance Health & Benefits Financial Services Tax Preparation Property PERILS OF LOSS Selection of loss perils is very important

More information

Midwives Association of British Columbia

Midwives Association of British Columbia Midwifery Practice Insurance Program Midwives Association of British Columbia Prepared by: Lee Fulsher, BA, CAIB Account Manager Direct Line: 604-699-2266 Email: lfulsher@shawsabey.com November 13, 2015

More information

Do you have the right insurance coverage? Insurance Options as shown on application form A B C D E F G

Do you have the right insurance coverage? Insurance Options as shown on application form A B C D E F G Do you have the right insurance coverage? The CAND recommends that all naturopathic doctors, regardless of where they practice, carry malpractice (Errors & Omissions) liability insurance. In regulated

More information

BUSINESSOWNERS COVERAGE FORM

BUSINESSOWNERS COVERAGE FORM Policy Number: RLI Insurance Company BUSINESSOWNERS COVERAGE FORM Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not

More information

Personal property insurance: homeowner and auto insurance.

Personal property insurance: homeowner and auto insurance. Insurance and Social Insurance Personal property insurance: homeowner and auto insurance. Agenda Homeowners Insurance Basics Analysis of Homeowners 3 Policy Section I Coverages Section I Perils Insured

More information

Commercial Property Issues #2: Miscellaneous Points to Ponder... sponsored by

Commercial Property Issues #2: Miscellaneous Points to Ponder... sponsored by Commercial Property Issues #2: Miscellaneous Points to Ponder... sponsored by Commercial Property Issues #2: Miscellaneous Points to Ponder Presented by Michael C. D Orlando, CIC, LIA, CPIA Insurance Training

More information

EXHIBIT K Insurance Requirements

EXHIBIT K Insurance Requirements EXHIBIT Insurance Requirements Subject to approval by the City's Risk Manager of the insurers and policy forms, and further subject to HUD's rights under the HUD Documents during the term of the HUD Documents,

More information

Insurance Solutions for Health Care Organizations

Insurance Solutions for Health Care Organizations Insurance Solutions for Health Care Organizations Is your organization at risk? A health care organization s complex exposures require expert, state-of-the-art insurance protection. Fortunately, Chubb

More information

BUILDING AND PERSONAL PROPERTY COVERAGE PART

BUILDING AND PERSONAL PROPERTY COVERAGE PART BUILDING AND PERSONAL PROPERTY COVERAGE PART We cover direct physical loss to covered property at the premises described on the declarations caused by a covered peril. PROPERTY COVERED We cover the following

More information

Alabama West Florida Conference Renewal Summary

Alabama West Florida Conference Renewal Summary For service call: The Church Insurance Agency Corporation (800) 975-5442 CIAC is a service provider to UMI Alabama West Florida Conference Renewal Summary October 1, 2011 Description Limit Blanket Building

More information

THE INSURANCE POLICY: SIMPLIFIED!

THE INSURANCE POLICY: SIMPLIFIED! THE INSURANCE POLICY: SIMPLIFIED! INSURANCE CONTRACT: COMMERCIAL PROPERTY AND BUSINESS INCOME The insurance policy is a contract and as such, is governed by its conditions, provisions, and exclusions.

More information

CITY OF YPSILANTI, MICHIGAN REQUEST FOR PROPOSAL FOR PROPERTY AND LIABILITY INSURANCE ISSUED BY:

CITY OF YPSILANTI, MICHIGAN REQUEST FOR PROPOSAL FOR PROPERTY AND LIABILITY INSURANCE ISSUED BY: CITY OF YPSILANTI, MICHIGAN REQUEST FOR PROPOSAL FOR PROPERTY AND LIABILITY INSURANCE ISSUED BY: Frances McMullan, City Clerk City of Ypsilanti 1 S. Huron Street Ypsilanti, MI 48197 (734) 483-1100 fmcmullan@cityofypsilanti.com

More information

NH POLICY CUSTOMIZATIONS

NH POLICY CUSTOMIZATIONS BUSINESSOWNER S BP 99 NH 04 15 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NH POLICY CUSTOMIZATIONS This endorsement modifies insurance provided under the following: BUSINESSOWNER S

More information

Visit redrivermutual.com for more information and eligibility requirements. Actual policy wordings govern.

Visit redrivermutual.com for more information and eligibility requirements. Actual policy wordings govern. Home Insurance Red River Mutual has been providing insurance protection on the prairies for over 135 years and is committed to providing competitive insurance products and equitable claims settlement.

More information

TOWN OF STRATFORD GENERAL INSURANCE AND RISK MANAGEMENT SERVICES PROGRAM. Proposals will be received not later than: June 24, 2015

TOWN OF STRATFORD GENERAL INSURANCE AND RISK MANAGEMENT SERVICES PROGRAM. Proposals will be received not later than: June 24, 2015 TOWN OF STRATFORD RFP # GENERAL INSURANCE AND RISK MANAGEMENT SERVICES PROGRAM 2015 Proposals will be received not later than: 1:00 pm LOCAL TIME June 24, 2015 Addressed to: 234 Shakespeare Drive Stratford,

More information

Insurance basics for nonprofit organizations

Insurance basics for nonprofit organizations Insurance basics for nonprofit organizations Updated: July 2012 This document is intended as general and abbreviated guidance for nonprofit organizations. Because every organization s insurance needs are

More information

CONDOMINIUM ASSOCIATION COVERAGE FORM

CONDOMINIUM ASSOCIATION COVERAGE FORM COMMERCIAL PROPERTY CP 00 17 06 07 CONDOMINIUM ASSOCIATION COVERAGE FORM Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and

More information

Highlights of the PDAC Insurance Program for Consulting Geoscientists. Professional Liability Insurance (E&O Errors and Omissions Insurance)

Highlights of the PDAC Insurance Program for Consulting Geoscientists. Professional Liability Insurance (E&O Errors and Omissions Insurance) Highlights of the PDAC Insurance Program for Consulting Geoscientists The PDAC Insurance Program for Consulting Geoscientists provides a full range of general insurance products specifically designed to

More information

BUSINESSOWNERS COVERAGE FORM

BUSINESSOWNERS COVERAGE FORM BUSINESSOWNERS COVERAGE FORM BUSINESSOWNERS BP 00 03 01 06 Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered.

More information

Brief #09.00. Latest Revision: 01/2011. Business Insurance

Brief #09.00. Latest Revision: 01/2011. Business Insurance Brief #09.00 Latest Revision: 01/2011 Business Insurance Planning and operating a business must include adequate insurance coverage for the individual entrepreneur and/or company providing the product

More information

Iowa Association of Municipal Utilities. Safety Group Insurance Program

Iowa Association of Municipal Utilities. Safety Group Insurance Program Iowa Association of Municipal Utilities Safety Group Insurance Program The IAMU Safety Group Since 1980, the Iowa Association of Municipal Utilities, Risk Management Consultants Ltd., and EMC Insurance

More information

BUILDING AND PERSONAL PROPERTY COVERAGE FORM

BUILDING AND PERSONAL PROPERTY COVERAGE FORM BUILDING AND PERSONAL PROPERTY COVERAGE FORM COMMERCIAL PROPERTY CP 00 10 04 02 Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what

More information

SBCA PROPERTY AND CASUALTY INSURANCE COVERAGE AUDIT

SBCA PROPERTY AND CASUALTY INSURANCE COVERAGE AUDIT SBCA PROPERTY AND CASUALTY INSURANCE COVERAGE AUDIT L O C K T O N C O M P A N I E S DEAR SBCA MEMBER The SBCA is pleased to announce it has teamed up with Lockton Companies and AmTrust Insurance to create

More information

BUSINESS INCOME (AND EXTRA EXPENSE) COVERAGE FORM

BUSINESS INCOME (AND EXTRA EXPENSE) COVERAGE FORM COMMERCIAL PROPERTY CP 00 30 10 00 BUSINESS INCOME (AND EXTRA EXPENSE) COVERAGE FORM Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and

More information

INSURANCE/ RISK EXPOSURE SURVEY

INSURANCE/ RISK EXPOSURE SURVEY 1) Name of Applicant: 2) Mailing Address: INSURANCE/ RISK EXPOSURE SURVEY 3) Location of Risk: 4) Applicant is a: Corporation Individual Partnership 5) Exact Description of Operations, including all subsidiary

More information

BUSINESS OWNERS SECTION

BUSINESS OWNERS SECTION AGENCY NAME BUSINESS OWNERS SECTION CARRIER DATE (MM/DD/YYYY) NAIC CODE POLICY NUMBER EFFECTIVE DATE FIRST NAMED INSURED POLICY TYPE PERSONAL PROPERTY LIABILITY OPTIONAL S 1. STANDARD MINIMUM GENERAL INFORMATION

More information

BUILDING AND PERSONAL PROPERTY COVERAGE FORM

BUILDING AND PERSONAL PROPERTY COVERAGE FORM BUILDING AND PERSONAL PROPERTY COVERAGE FORM COMMERCIAL PROPERTY CP 00 10 10 00 Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what

More information

Consumer s Quick Check Guide Dwelling Property Policy

Consumer s Quick Check Guide Dwelling Property Policy Explanation of Coverage Limits and Options Consumer s Quick Check Guide Dwelling Property Policy There are three Dwelling Policy Forms offered in the State of Florida. This Consumer s Quick Check Guide

More information

Insurance for Libraries

Insurance for Libraries Insurance for Libraries Christine Lind Hage, Director, Rochester Hills (MI) Public Library 2014 by United for Libraries: The Association of Library Trustees, Advocates, Friends and Foundations. This toolkit

More information

TOWNSHIP OFFICIALS OF ILLINOIS RISK MANAGEMENT ASSOCIATION

TOWNSHIP OFFICIALS OF ILLINOIS RISK MANAGEMENT ASSOCIATION TOWNSHIP OFFICIALS OF ILLINOIS RISK MANAGEMENT ASSOCIATION TOIRMA SUMMARY OF COVERAGES as of 6/1/2014 I. PROPERTY COVERAGES A. BUILDINGS AND CONTENTS Covers all the real and personal property owned by

More information

Managing Insurance Risks: How to protect your system? Dustin Hardwick Managing Agent

Managing Insurance Risks: How to protect your system? Dustin Hardwick Managing Agent Managing Insurance Risks: How to protect your system? Dustin Hardwick Managing Agent Utility Resource Insurance Services is a subsidiary of California Rural Water Association. URIS was formed to meet the

More information

Commercial Property Insurance

Commercial Property Insurance Commercial Property Insurance Insurance Companies: Alberta School Boards Insurance Exchange Subscribing Insurers Insuring Agreement The Insurer agrees to pay the Insured named on the Coverage Summary for

More information

GUIDELINES FOR PURCHASING INSURANCE ELCA LEADERS

GUIDELINES FOR PURCHASING INSURANCE ELCA LEADERS GUIDELINES FOR PURCHASING INSURANCE For ELCA LEADERS Developed By Willis is pleased to provide the following information to help ELCA congregations and synods in evaluating different insurance programs

More information

THE WOODLANDS TOWNSHIP 2013 PROPERTY AND CASUALTY RFP 2013-110 RESPONSE COMPARISON

THE WOODLANDS TOWNSHIP 2013 PROPERTY AND CASUALTY RFP 2013-110 RESPONSE COMPARISON THE WOODLANDS TOWNSHIP 2013 PROPERTY AND CASUALTY RFP 2013-110 RESPONSE COMPARISON General Liability Coverage Carrier Insurance Company Current Program of Insurance Texas Municipal League Intergovernmental

More information

BUILDERS RISK COVERAGE FORM

BUILDERS RISK COVERAGE FORM BUILDERS RISK COVERAGE FORM COMMERCIAL PROPERTY CP 00 20 10 12 Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered.

More information

All Risks of physical loss or damage including Earthquake, Flood and Sewer Back-up, subject to the Policy exclusions

All Risks of physical loss or damage including Earthquake, Flood and Sewer Back-up, subject to the Policy exclusions Insurance Summary Property Renewal August 1, 2012 to August 1, 201 Insurer Aon Protection Plus Policy- # RAP4001426 Perils Insured All Risks of physical loss or damage including Earthquake, Flood and Sewer

More information

AmRISC PROPERTY ENHANCEMENT ENDORSEMENT

AmRISC PROPERTY ENHANCEMENT ENDORSEMENT AmRISC PROPERTY ENHANCEMENT ENDORSEMENT This endorsement modifies insurance provided under the following forms (if attached to this policy): Business and Personal Property Coverage Form Condominium Association

More information

FORM A COVERAGE CHECKLIST For the period November 1, 2015 November 1, 2016

FORM A COVERAGE CHECKLIST For the period November 1, 2015 November 1, 2016 FORM A COVERAGE CHECKLIST For the period November 1, 2015 November 1, 2016 This form is to be filled by the Alternate Broker (except for providers who are renewing coverage with Frank Cowan Company Limited),

More information

COMMERCIAL INSURANCE (Indiana)

COMMERCIAL INSURANCE (Indiana) COMMERCIAL INSURANCE (Indiana) Commonwealth Schools of Insurance, Inc. P.O. Box 22414 Louisville, KY 40252-0414 Telephone: 502.425.5987 Fax: 502-429-0755 Web Site: www.commonwealthschools.com Email: info@commonwealthschools.com

More information

BUILDING AND PERSONAL PROPERTY COVERAGE FORM

BUILDING AND PERSONAL PROPERTY COVERAGE FORM BUILDING AND PERSONAL PROPERTY COVERAGE FORM COMMERCIAL PROPERTY CP 00 10 10 12 Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what

More information

NonProfit 101. Notes: Session 1B: Insurance, What you do not know can hurt you! From Survivability to Sustainability. June 10, 2015 Session 1B page 1

NonProfit 101. Notes: Session 1B: Insurance, What you do not know can hurt you! From Survivability to Sustainability. June 10, 2015 Session 1B page 1 Session 1B: Insurance, What you do not know can hurt you! Notes: June 10, 2015 Session 1B page 1 Session 1B: Insurance, What you do not know can hurt you! Notes: June 10, 2015 Session 1B page 2 June 10,

More information

CAMBRIDGE PROPERTY & CASUALTY SPECIAL REPORT

CAMBRIDGE PROPERTY & CASUALTY SPECIAL REPORT CAMBRIDGE PROPERTY & CASUALTY SPECIAL REPORT INSURANCE COVERAGES FOR TECHNOLOGY COMPANIES This Special Report was written by Daniel P. Hale, J.D., CPCU, ARM, CRM, LIC, AIC, AIS, API. Mr. Hale is Vice President

More information

Medical Insurance Application Form - Aon Reed Stenhouse, Toronto

Medical Insurance Application Form - Aon Reed Stenhouse, Toronto PLEASE COMPLETE THIS APPLICATION IN FULL. THIS FORM IS THE BASIS UPON WHICH INSURANCE IS PROVIDED. IN THE EVENT OF A NON-DISCLOSURE OR MISREPRESENTATION, THE POLICY MAY BE VOIDED AT THE OPTION OF THE INSURER.

More information