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Contents Definition
Contents includes the replacement cost of your office furniture, office equipment, tenants improvements. If in doubt please enter the limit listed in your current policy.
Building Limit Definition
This is the replacement cost of your building. If you own the building your office is located in we are able to add coverage to this policy. If in doubt please enter the limit listed in your current policy.
Tenant’s Improvements Definition
Building improvements, alterations and/or betterments made at the expense of the insured, or by a previous tenant of the space or building occupied by you.
Extensions of Coverage Included (at no additional premium)
| Newly Acquired Building |
|
$1,000,000 |
| Contents at Non-Owned Location |
|
$25,000 |
| Precious Metals, Gold and Silver |
|
$10,000 |
| Transit |
|
$25,000 |
| Samples |
|
$25,000 |
| Condominium Betterments |
|
$25,000 |
| Accounts Receivable |
|
$50,000 |
| Automatic Fire Suppression System |
|
$25,000 |
| Computer Data (15% of hardware limit) |
|
included |
| Computer Hardware/Transit/Breakdown |
|
$25,000 |
| Exhibition Floater |
|
$25,000 |
| Fire Department Service Charges |
|
$25,000 |
| Leasehold Interest |
|
$25,000 |
| Master Key |
|
$25,000 |
| Fine Arts |
|
$10,000 |
| Office Contents Tenants Improvements |
|
$100,000 |
| Professional Fees |
|
$25,000 |
| Sign |
|
$25,000 |
| Valuable Papers |
|
$50,000 |
| Bylaws |
|
included |
| Inflation Shield |
|
included |
| Replacement Cost |
|
included |
| Sewer Back-up |
|
included |
| Flood |
|
included |
Business Interruption
| Profits, Actual Loss Sustained |
|
$1,000,000 |
Casualty
| Blanket Glass |
|
$10,000 |
| Inside & Outside Robbery |
|
$5,000 |
| Safe Burglary |
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$5,000 |
| Money Orders, Counterfeit Currency |
|
$5,000 |
| Depsitors Forgery |
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$5,000 |
| Overnight Coverage & custodian’s home |
|
$5,000 |
| Medical Expenses Resulting from Robbery |
|
$5,000 |
Equipment Breakdown Insurance
| Property Damage |
|
included |
| Expediting Expenses |
|
included |
| Professional Fees |
|
included |
| Business Interruption/Extra Expense |
|
included |
| Service Interruption |
|
included |
| Denial of Access |
|
included |
| Brands and Labels |
|
included |
| By-Laws |
|
included |
| Selling Price |
|
included |
| Errors & Omissions |
|
$100,000 |
| Ammonia Contamination |
|
$100,000 |
| Hazardous Substances |
|
$100,000 |
| Water Damage |
|
$100,000 |
| Contingent Business Interruption/Extra Expense |
|
$100,000 |
| Mould |
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$50,000 |
| Data & Media |
|
$25,000 |
Liability
Employer’s Liability |
|
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| Tenants Legal Liability |
|
$250,000 |
| Advertising Liability |
|
$100,000 |
| Non-Owned Automobile |
|
$1,000,000 |
| Commercial General Liability |
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$1,000,000 to $5,000,000 available |
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