Commercial Property Details

Highlighted Features of Property Program (Provided by Companion Program BOP Policy):

(All included at no additional charge, unless noted)

  • Coverage is written on “special” modified BOP form
  • Deductible amounts of $250, $500, $1,000 and $2,500,$5,000 and $10,000 available.
  • Minimum Premium of $250
  • Employee/Volunteer Dishonesty available on a specified limits basis (limits up to $500,000)
  • Business Income and Extra Expense restoration periods – 18 months
  • Water Backup damage up to $25,000
  • Outdoor property limits (plants Limit $1,000, signs up to $25,000)
  • Increased Cost of Construction Limit $100,000
  • Fire Extinguisher Systems Recharge Limit $25,000
  • Arson & Vandalism Reward Limit $5,000
  • Spoilage Limit $25,000
  • Earthquake Sprinkler Leakage Limit $10,000
  • Personal Property Off Premises up to $100,000
  • Personal Effects up to $25,000
  • Valuable Papers and Records on premises Limit $25,000 and $10,000 while in transit
  • Lock and Key Replacement Limit $2,500
  • Green Upgrades Coverage available upon request
  • Equipment Breakdown Protection and Building Ordinances Coverage are available upon request
  • Electronic Data (digital assets) replaced or restored if damaged by a cyber attack – virus, harmful code or similar attack – $10,000 sublimit free, higher limits available up to $100,000 for additional premium
  • Interruption of computer operations – business income and extra expense due to cyber attack – virus, harmful code or similar attack – $10,000 sublimit