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; no waiting period; may be excluded for premium credit.

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

Employee Dishonesty - $25,000, increasable up to $250,000 Optional, limits of $10,000 up to $125,000.

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.

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

Garagekeepers Liability - Provides coverage to customers vehicles on Legal or Direct Primary basis