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Property |
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Commercial Property |
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Green Building |
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Highly Protected Risk - HPR |
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Historic Property |
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Auto |
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Professional Liability |
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Workers' Compensation |
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International |
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Inland Marine |
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Ocean Cargo |
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Hull & Marine Liability |
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Keyword |
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| Commercial Property |
Our commercial property program offers one of the most extensive property protection plans available. Exceptional coverages protect against loss to both buildings and business personal property, along with optional Business Income protection.
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The following table lists the highlights of the coverage extensions for Property-Gard Select® coverage forms. These coverage extensions are either in addition to the applicable Limit of Liability or included within the applicable Limit of Liability.
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| Coverage
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Standard 'Special Form' contract
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Property-Gard Select®
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| Debris Removal
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25% of direct loss+ 5% or $50,000
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25% of direct loss or $5,000,000 |
| Fire Dept. Service
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$1,000
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$25,000 |
| Pollutant Clean-Up
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$10,000
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$25,000 |
| Newly Acquired Property
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$250,000 Real Property; $100,000 Personal Property
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$250,000 Real, Personal and time element |
| Property of Others
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$2,500
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Included under BPP |
| Valuable Papers
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$2,500
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$100,000 |
| Accounts Receivable
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Not covered
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$100,000 |
| Property Off-Premises
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$10,000
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$100,000 |
| Outdoor Property
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$250/$1,000
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$1,000/$25,000 |
| Trade Show Coverage
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Not covered
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$100,000 |
| Defense Costs
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Not covered
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Included |
| EDP Equipment
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Not covered
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Included under BPP |
| EDP Media
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Not covered
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$100,000 |
| Building Ordinance (Coverage A)
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Not covered
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Included |
| D&ICC Limits
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Not covered
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$100,000 |
| Personal Effects of Officers & Employees
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$2,500
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Included under BPP |
| Premises Definition
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Within 100 feet
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Within 1,000 feet |
| Jewelry, furs, precious metals
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Limited coverage for theft
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Full Coverage on precious stones or metals used for industrial purposes. Jewelry and furs are excluded |
| Valuation
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ACV with option of RC.
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Replacement Cost with ACV option. |
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Contact an independent agent for more information.
These descriptions of coverage are abbreviated and are subject to the terms, conditions and exclusions of the actual policy, which forms the contract between the insured and the insurance company. Available coverages, credits and options may vary by state.
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