Endorsements

Endorsements are additional coverage options to a policy. Please navigate below to see which applies to your policy.

Form Name	Description	Class
Blanket Additional Insured By Contract	Broadens the "Who Is An Insured" section of the Business Liability Coverage	All Classes
Flexible Blanket Additional Insured	Provides coverage for certain persons or organizations as additional insureds when agreed to in written contract, agreement or permit from an agency, subdivision or political subdivision	All Classes
Absolute Pollution Exclusion	Modifies the language in the pollution exclusion found in the Business Liability Coverage Form to further restrict the exceptions for premises pollution liability.	All Classes
Pollution Exclusion Limited Exception	Provides a limited exception to the pollution exclusion for all classes	All Classes
Expanded Damage to Rented Premises	Covers physical damage to rented premises in excess of the limits provided in the underlying policy	All Classes
Nutritional and Dietary Supplements Coverage	Covers nutritional and dietary supplements for approved medical conditions	All Classes
Vehicle Services Coverage	Coverage for vehicles used in the insured's business operations	Car dealership, school
Contracted Work Coverage	Coverage for claims arising out of work performed on behalf of the insured by independent contractors	All Classes
Lost Key Coverage	Coverage for lost keys	All Classes
Cleaning Enhancement	Coverage for property damage caused by the insured's employees or contractors while providing custodial cleaning services to the insured	All Classes
Contractor Subcontractor Insurance Requirements	Adds additional insurance requirements for contracts and subcontractors of the insured	Professional services, manufacturer, printing & publishing company, art studio, franchise business, association, distributor, broker, car dealership, school
Incidental Medical Malpractice	Coverage for medical malpractice that is incidental to the services provided by the insured	Professional services, school
Watercraft Liability	Coverage for water-crafts 26 feet or less in size	All Classes
Valet Parking Coverage	Coverage for damages the the insured is legally obligated to pay due to bodily injury or property damage arising out of the parking of a non-owned automobile in connection with the insured's business	All Classes
Faulty Work & Defective Products Coverage - Auto Services	Coverage for damages to the insured's work or the insured's product arising out of the garage of operations	Car dealership, school
Technology Services Extension	Modifies the professional services exclusion in the business liability coverage form to provide coverage for injury and damage arising out of the insured's technology services	All Classes
Technology Services Extension Plus	Modifies the professional services exclusion in the business liability coverage form to provide coverage for injury, damage and personal advertising injury arising out of the insured's technology services	Consultant, agency, professional services, manufacturer, printing & publishing company, art studio, franchise business, association, distributor, broker, car dealership, school
Garage Operations Liability	Coverage for operations, maintenance, or use of any customer's auto in the course of garage operations within the Auto Services Market Group	Car dealership
Water Legal Liability	Expands the "damage to premises rented to you limit" of the business liability coverage form	All Classes
Tenants Legal Liability Coverage	Broadens the traditional fire legal coverage to encompass all property damage to premises rented to the insured or temporarily occupied by the insured	All Classes
Electronic Media Liability	Coverage for several forms of internet-related personal and advertising injury	All Classes
Hired Auto and Non-Owned Auto Liability	Coverage for damages due to injury or damage arising out of the use, loading, or unloading of a hired or non-owned automobile in connection with the insured's business	All Classes
Limited Care, Custody or Control Property Damage Coverage	Coverage for damage to property which is in the insured's care, custody or control arising out of installation, repair, alteration or other operations conducted away form the insured's premisses and related to insured's business	Janitorial services, manufacturing, professional services
Janitorial Liability Broadening Coverage	Optional form provides limited care, custody, or control coverage and theft coverage for the janitorial services market group	Janitorial services
Product Recall and Replacement Coverage	Coverage reimbursement for expenses associated with a product recall and advertising expenses spent to recall the product due to a covered recall	All Classes
Excess Medical Payments - Children	Provides additional coverage for excess medical payments for participants in an event or activity hosted by the insured	School
Aggregate Limits Per Project	Specifies that the general aggregate on the business liability coverage form applies separately to installation, and is optional for all other classes	Construction, maintenance & installation
Per Location General Aggregate	Modifies the general aggregate limit so that it applies separately to each location owned by or rented to the insured	All Classes
Anti Stacking Provisions	Clarifies that allegations of continuing or progressively deteriorating property damage or bodily injury shall be deemed on a single occurrence	All Classes
Contractor Broadening	Provides contractors with a package of 6 coverage that broaden the coverage provided in the general liability policy	All Classes
Other Insurance Condition	Modifies the "other insurance" condition of the business liability policy to clarify that the insurance provided will be primary or primary and non-contributory when required by written contract or written agreement	All Classes
Product Withdrawal Expense	Provides additional coverage for expenses incurred in the withdrawal of a product from the market due to a recall event	Retail store, franchise business, manufacturer, school
Abuse and Molestation Coverage	Covers losses caused by abuse and molestation claims	All Classes
Pesticide or Herbicide Applicator Coverage - Limited Pollution	Provides limited pollution coverage for landscaping operations meeting all standards of any statute, ordinance, regulation or license requirement of any federal, state, or local government which apply to those operations	All Classes
Professional Cleaning Contractors Coverage	Provides lost key replacement coverage at a limit of $25,000 per occurrence and broadened care, custody and control property damage liability coverage at a limit of insurance included within the business liability limits of insurance	All Classes
Professional Optical Services Coverage	Provides coverage for the rendering or failure to render professional services in connection with optical services	Optical goods store, optical goods distributor, vision center
Veterinarian Professional Liability Coverage	Provides coverage for the professional services of individual veterinarian and veterinary clinics	Animal hospital, veterinarian, veterinarian - equine only, veterinarian - predominately large animals, veterinarian predominately small animals
Hearing Aide Establishment Professional Services Coverage	Provides coverage for the rendering of or failure to render professional hearing aid services	Hearing aid store, hearing aid distributor
Pet Crematory and Cemetery Services Professional Liability Coverage	Coverage for wrongful acts in the course of insured's cemetery or crematory business for deceased domestic pets	All Classes
Funeral Director Professional Services	Coverage for the rendering of or failure to render professional services in connection with the insured's business as a funeral director	Funeral director
Dental Laboratory Professional Liability	Coverage for professional services rendered or no rendered by a dental laboratory	Professional services
Barber Shop and Beauty Professional Service Liability	Coverage for the professional services of a barber shop, beauty salon or nail salon	Barber shops & beauty salons
Barber Shop and Beauty School Professional Service Liability	Coverage for the professional services of barber and beauty schools	School
Pet Groomers Liability	Coverage for the injury or damage to domestic animals due to the rendering of or failure to render professional services in the course of pet grooming or operating a pet boarding facility	Kennels, Pet grooming services, pet shop & supplies, pet grooming services - mobile, veterinarian, animal hospital
Florist Errors and Omissions Liability	Coverage for property damage caused by wrongful acts in providing the services of a florist	Florist shop, florist distributor, nursery & garden shop
Wedding Photographers and Videographers Errors and Omissions Liability	Coverage for bodily injury, property damage, or personal and advertising injury arising out of wrongful acts in the insured's capacity as a wedding photographer and videographer	Professional services, franchise business, agency, consultant, school
Cemetery and Crematory Professional Liability	Coverage for wrongful acts in the course of an insured's cemetery or crematory business	Cemetery - independent for profit, cemetery - associated with a church, crematory
Optometry Professional Liability	Extends coverage for bodily injury or property damage arising out of any optometric incident, as defined within the form	School
Educator's Business Liability Broad Form	Coverage for corporal punishment, expanded additional insured coverage, expanded medical payments coverage and expands the general aggregate limit of the business liability coverage form to apply separately to each campus	School
Printing Services Errors and Omissions Liability	Coverage for negligent acts, errors or omissions committed by or on behalf of the insured in the performance or failure to perform printing services	Electrotyping, engraving, printing and publishing company, printing- screen printing
Correction of Work	Coverage to correct the insured's errors which would otherwise be excluded on SL 51 66 with a $1,500 deductible	Printing and publishing company
Employee Benefits Liability - Occurrence	Coverage for claims resulting form negligent acts or omissions in the administration of the Named Insured's employee benefit programs	All Classes
Prior Acts Coverage - Employee Benefits Liability	Provides Prior Acts coverage for employee benefits liability when the claims made employee benefits liability	Professional services, manufacturer, printing and publishing company, art studio, franchise business, association, distributor, broker, car dealership, school
Professional Liability Coverage	Coverage for damages and claim expenses arising out of a wrongful act or personal injury relating to professional services on a claims-made basis	All Classes
Amend Definition of Insured Person	Necessary when professional liability coverage form SL 50 45 is on the policy and it allows for the inclusion of independent contractors for the Accounting and Auditing Services class	Professional services
Professional Services - Photography and Videography	Mandatory form for either the Photography Studio and Videography Services classes when Professional Liability Coverage Form, SL 50 45, is on the policy	Professional services, photography studio, videography services
Interior Decorator	Mandatory form for the Interior Decorator class when Professional Liability Coverage Form, SL 50 45, is on the policy	Professional services
SL 50 45	Mandatory form for Consultants - Wedding class when Professional Liability Coverage Form, SL 50 45, is on the policy	Consultant, Professional services
Notary Public	Mandatory form for the Notary Public class when Professional Liability Coverage Form, SL 50 45, is on the policy	Professional services
Professional Services - Telemarketing Firm	Mandatory form for the Telemarketing Firm class when Professional Liability Coverage Form, SL 50 45, is on the policy	Professional services, telemarketing firm
Professional Services - Court Reporter	Mandatory form for the Court Reporter class when Professional Liability Coverage Form, SL 50 45, is on the policy	Professional services
Stenographic Services	Mandatory form for the Stenographic and Secretarial Services class when Professional Liability Coverage Form, SL 50 45, is on the policy	Professional services
Copying and Duplicating Services	Mandatory form for the Copying & Duplicating Services class when Professional Liability Coverage Form, SL 50 45, is on the policy	Professional services
Interpreter or Translator	Mandatory form for the Interpreter or Translator class when Professional Liability Coverage Form, SL 50 45, is on the policy	Professional services
Professional Services - Artists & Art Studio	Mandatory form for the Graphic Artists and Designers class when Professional Liability Coverage Form, SL 50 45, is on the policy	Professional services, art studio
Professional Services - Tax Preparer	Mandatory form for the Tax Preparer class when Professional Liability Coverage Form, SL 50 45, is on the policy	Professional services
Professional Services - Consultant	Mandatory form for the Consultant - Business and Management class when Professional Liability Coverage Form, SL 50 45, is on the policy	Professional services, consultant
Additional Limits of Liability for Claims Expenses	Provides seperate Claim Expense Each Claim and Claim Expense Aggregate limits for damages and claim expenses	Professional services, manufacturer, printing & publishing company, consultant, agency, franchise business, association, distributor, broker, car dealership, school
Limits of Liability Change	Mandatory form for when the Professional Liability Coverage Form, SL 50 45, is on the policy and the Professional Liability limits of insurance are changed during the policy period and Additional Limits of Liability for Claims Expenses Endorsement - Professional Liability Form, SL 50 47, is not on the policy	Professional services
Extended Reporting Period	Available to the policyholder for an additional premium and offers 1, 3, or 5 years of coverage	All Classes
Designated Entities	Excludes coverage under the Professional Liability Coverage Form for entities or subsidiaries designated on the form	Accounting, auditing services
Employment Practices Liability Coverage	Coverage for employment-related sexual harassment, wrongful termination and discrimination on a claims-made basis with defense expenses reducing the available limits of insurance	All Classes
Third Party Liability	Coverage for third party claims related to discrimination or harassment	All Classes
Retroactive Date	Amends the Employment Practices Liability Insurance to include a retroactive date	Professional services,
Supplemental Extended Reporting Period	Provides a 3 year extended reporting period to the policyholder for an additional premium	All Classes
Limits of Liability Change	Applies when the Employment Practices Liability limits of insurance are changed during policy term	Professional services, franchise business, consultant, agency, association, distributor, broker, manufacturer, printing & publishing company, art studio, school
Wage and Hour Claim Expenses	Coverage for claim expenses related to wage and hour violations as described in the form	All Classes
Hazards Insured Elsewhere - Employment Practices Liability Coverage Form	Excludes coverage for injury or damage for which insurance is provided by any policy shown in the schedule on the endorsement	Professional services, franchise business, association, distributor, broker, school
Educators Legal Liability Coverage Form	Provides claims-made coverage for professional and employment0related acts at educational institutions	School
Supplemental Extended Reporting Period	Form is available to the policyholder for an additional premium and is available at an unlimited duration	School
Pastoral Counseling Errors and Omissions Liability Coverage	Coverage for negligent acts, errors or omissions in the performance of counseling services by the insured's pastoral counselors	Churches and other houses of worship, wedding chapel
Theft Deductible	Applies a separate deductible to the peril of theft, which cannot be less than the Property Deductible	All Classes
Windstorm or Hail Percentage Deductible	Applies a percentage deductible to losses or damage caused by windstorm or hail for Building and/or Business Personal Property located at the scheduled premisses	All Classes
Windstorm or Hail Fixed Dollar Deductible	Applies a fixed deductible to loss or damage caused by windstorm or hail	All Classes
Windstorm or Hail Business Income Waiting Period	Applies a waiting period to Business Income losses at the scheduled premises related to windstorm or hail	All Classes
Collapse	Coverage for collapse of building property or business personal property within the building caused by the specified causes of loss described in the form	All Classes
Fire Extinguisher Recharge	Extends the Limit of Insurance available for building or business personal property to apply to the cost of recharging or replacing fire extinguishers and fire extinguishing systems if they are discharged while fighting a covered fire	All Classes
Lease Assessment	Coverage for the insured's share of any assessment charged to all tenants by the building owner	All Classes
Lock and Key Replacement	Coverage for the cost to re-key, repair, or replace locks after the theft, or attempted theft, of keys to the insured's owned or leased building	All Classes
Business Income from Dependent Properties	Coverage for the loss of Business Income and incurred Extra Expense that the insured sustains as the result of loss or damage at a dependent property or secondary dependent property.	All classes excluding those in financial services
Forgery Coverage	Coverage for loss from counterfeit money orders or currency, as well as forged or altered instruments as defined in the form	All Classes
Arson and Theft Reward	Reimburses the insured for rewards paid for information leading to conviction after a covered arson or theft loss	All Classes
Business Income and Extra Income for Drinkable Water	Provides case management services, expense reimbursement and optional coverage for lost wages and metal health counseling for the owner of the insured business or a full-time employee of the insured, with a $250 deductible	All Classes
Accounts Receivable	Coverage for outstanding balances that the policyholder is unable to collect due to loss or damage to their accounts receivable records from a covered cause of loss	All Classes
Money and Securities	Coverage for loss of money and securities used in the insured's business due to theft, disappearance or destruction	All Classes
Claim Expense	Reimbursement to the insured for expenses incurred to assist the company in the investigation of a claim of suit	All Classes
Pairs or Sets	When a covered loss occurs to property which is part of a pair or set, this form provides coverage up to the covered property limit(s) of insurance for the consequential loss of marketability to the undamaged stock which is part of that pair or set	All Classes
Salespersons Samples	Coverage for loss or damage to samples of the insured's stock while in the care of their sales representatives	All Classes
Lost Keys	Coverage for the loss of a customer's keys which are in the insured's care, custody or control	All Classes
Contract Penalties	Reimbursement to the insured for contract penalties assessed due to loss or damage to covered property by a covered cause of loss	All Classes
Expediting Expenses	Coverage for certain expediting expenses incurred to meet any delivery date prior to loss or damage at the scheduled premises	All Classes
Employee Dishonesty Coverage	Coverage for loss of money, securities, and other covered property from dishonest or fraudulent acts of the insured's employees, directors and officers	All Classes
Theft Damage to Building	Coverage up to the covered property limit(s) of Insurance for loss or damage to the building caused by theft burglary or robbery	All Classes
Fraudulent Transfer Coverage	Coverage for the fraudulent transfer of money, securities, and other intrinsically valued property	All Classes
Business Income from Websites	Coverage for the loss of business income and incurred extra expense when a vendor providing online access services causes loss or damage to the insured's business operations	All Classes
Transit Coverage Property in the Control of Carriers for Hire	Coverage for business personal property and personal property of others which is damaged while in transit within the coverage territory by a carrier for hire	All Classes
Sump Overflow Sump Pump Failure	Coverage for loss or damage to covered property due to the failure of a sump pump or any other types of systems designed to remove subsurface water from the foundation area of the scheduled premises	All Classes
Unauthorized Business Card Use	Coverage for loss resulting from the theft or unauthorized use of business credit, debit, or charge cards	All Classes
Paved Surfaces	Coverage for loss or damage to paved surfaces such as bridges, roadways, walks, patios, and parking lots	All Classes
Leasehold Improvements	Coverage for in the case the insured's lease is cancelled as the result of covered cause of loss to property at the location where the insured is a tenant and the insured is unable to legally remove the tenant improvements and betterments they installed	All Classes
Fine Arts Coverage	Coverage for loss or damage to fine arts owned by the insured or owned by others but in the insured's care, custody, or control at the time of loss or damage	All Classes
Scheduled Fine Arts Coverage	Coverage at an agreed value for loss or damage to fine arts which are listed and described in the schedule or declarations	All Classes
Back-Up of Sewers and Drains Coverage	Coverage up to the covered property limit(s) of insurance for loss or damage to covered property caused by water that backs up from a sewer or drain	All Classes
Building Property of Others	Coverage for loss or damage to the building where the insured is a tenant and the lease requires the insured to pay for such loss or damage	All Classes
Computers Worldwide	Coverage for loss or damage to computers located anywhere in the world	All Classes
Transit Business Income	Coverage for the loss of business income an incurred extra expenses as the result of loss or damage to covered property which is in transit	All Classes
Animal Damage to Buildings	Coverage for loss or damage to building property caused by animals which the insured does not own but is in their care, custody, or control	All Classes
Emergency Vacating Expenses	Coverage for the reasonable and necessary expenses associated with vacating and returning business personal property to the scheduled premises in connection with imminent danger of loss or damage	All Classes
Harvested Crops	Coverage for loss or damage to grain, hay, straw, fruits, vegetables, and other crops which have been harvested and are stored inside the insured's scheduled premises	All Classes
Hired Auto Physical Damage Coverage	Coverage for loss or damage to automobiles which are leased, hired, or borrowed by the insured or by the insured's employee while performing duties related to the insured's business	All Classes
Installation Coverage	Coverage for materials an supplies at a job site that will become a permanent part of a building or structure, as well as soft costs incurred as the result of a delay in the completion of installation operations	All Classes
Musical Instruments	Coverage for loss or damage to the insured's musical instruments or musical instruments others that are in the insured's care, custody, or control	All Classes
Product Contamination	Coverage for the loss of marketability of the insured's product which has been sold out but not delivered due to an accidental contamination by any foreign object or substance during the manufacturing process	All Classes
Animal Bailee Coverage	Coverage for the accidental injury, death, destruction, or disappearance of animals owned by others while in the care, custody, or control of the insured	All Classes
Bailee Customers Goods Coverage - Replacement Cost Valuation	Coverage for the loss or damage to customers' goods that the insured has accepted for processing	Upholstery Cleaning Services - Shop, Upholstery Services - Shop Only, Carpet and Furniture Cleaning , Watch - Clock and Jewelry Repair Services, Dry Cleaning and laundry Pickup Stations, Personal Valet Service - Not Parking, Dry Cleaners/Laundries, Tailor, Embroidery
Contractors Equipment Coverage	Coverage for equipment used in the insured's construction or installation business, as well as optional coverage for rental reimbursement for replacement equipment	All Classes
Scheduled Contractors Equipment	Coverage for equipment used in the insured's construction or installation business which is listed and described in the declarations or schedule, and optional coverage for rental reimbursement when needed	All Classes
SP 30 02	Coverage for leased or rented equipment used in the insured's construction or installation business	Manufacturer, printing and publishing company, art studio, franchise businesses, association, distributor, broker, car dealership, school
Contractors Tools	Coverage for tools used in the insured's construction or installation business	Manufacturer, printing and publishing company, art studio, franchise business, association, distributor, broker, car dealership, school
Newley Acquired or Constructed Property	Coverage for building, business personal property, and business income to apply to newly acquired or constructed locations before they are added as a scheduled premise to the policy	All Classes
Franchise Upgrade Coverage	Coverage for additional costs to upgrade damaged property to franchise standards after a covered loss	All Classes
Business Income for Food Contamination	Coverage for the loss of business income and incurred extra expenses when the insured's operations are suspended due to an order from a governmental authority due to the discover or suspicion of food contamination	All Classes
Garage Keeps Coverage	Coverage for the loss or damage to a customer's automobile, including related equipment and personal property owned by the customer and left in the automobile, which is in the insured's care, custody, or control for service, maintenance, repair, storage, parking or safekeeping	Car dealership, school
False Pretense Coverage	Coverage for the loss or damage to covered property when the insured is included into voluntarily parting with such property by fraudulent scheme, trick, device, or false pretense	All Classes
K-Cough	Coverage for kennel cough which is a contagious respiratory disease in dogs caused by viruses and bacteria	Kennels
Ordinance or Law Coverage	Coverage for the increased costs associated with repairs or replacement caused by enforcement of laws and ordinances regulating construction or repair	All Classes
Spoilage	Coverage for loss or damage for the spoilage of perishable goods located at or within 1,000 feed of the scheduled premises caused by a change in temperature or humidity due to mechanical breakdown, power surge, or power failure	All Classes
Roof Value Scheduled Settlement Windstorm or Hail Losses to Roof Surfaces	When this form is attached to the policy, payments for wind or hail damage to roof surfacing will be reduced by a set schedule of percentages based on the age and type of roof	All Classes
Actual Cash Value for Business Property	Coverage that reimburses policyholders for the current market value of their property if it is stolen, destroyed, or damaged due to a covered event, minus any applicable deductions for depreciation	All Classes
Declarations Pages Professional Liability	Coverage for professional services rendered by the insured	All Classes
Employment Practices Liability	Coverage for wrongful acts related to an employer's management, administration, and supervision of its employees	All Classes
Educators Legal Liability	Legal coverage for educators and instructors	School
Amendment of the Declarations - Additional Persons or Organizations Designated as Named Insureds	Form amends the Declarations page by identifying additional persons or organizations as named insureds	All Classes
Terrorism Coverage	Mandatory when terrorism coverage has been added to the policy	All Classes
Trade or Economic Sanctions	Mandatory for all classes to comply with trade or economic sanctions	All Classes
Products/Completed Operations Liability Coverage	Coverage for damages from products completed operations liability exposures	Manufacturer, printing and publishing company, art studio, franchise business, association, distributor, broker, car dealership, school
Commercial General Liability Coverage Form	Coverage for bodily injury, property damage and medical expenses with a limit of insurance per occurrence as stated in the Declarations	Retail store, franchise business, professional services, manufacturer, printing and publishing company, school
Owners and Contractors Protective Liability Coverage Form - Coverage for Operations of Designated Contractor	Coverage for bodily injury or property damage arising out of operations performed by designated contractors	All Classes
Liquor Liability Coverage	Coverage for injury or damage arising out of the selling, serving or furnishing of any alcoholic beverages	All Classes
Electronic Data Liability Coverage	Modifies the definition of property damage to provide coverage for the loss of, damage to, corruption of, inability to access, or inability to manipulate electronic data, resulting from physical injury to tangible property	All Classes
Deductible Liability Insurance	Applies a deductible to property damages losses covered by the Business Liability Coverage Form	All Classes
Deductible Liability Insurance	Coverage for damages that exceed the amount of liability insurance purchased by a business	All Classes
Additional Insured - Club Members	Broadens the "Who Is an Insured" section of the Business Liability Coverage From that add club members as insureds	School
Additional Insured -Concessionaires Trading Under Your Name	Broadens the "Who is an Insured" section of the Business Liability Coverage Form to add concessionaires shown in the declarations only when trading under the insureds name	All Classes
Additional Insured - Condominium Unit Owners	Modifies the "Who is an Insured" section of the Business Liability Coverage Form to include unit owners of the insured condominium as insureds	Consultant, agency, professional services, manufacturer, printing and publishing company, art studio, franchise business, association, distributor, broker, car dealership, school
Additional Insured - Controlling Interest	Broadens the "Who is an Insured" section of the Business Liability Coverage Form to include person(s) or organization(s) shown in the declarations as additional insureds, but only with respect to liability arising out of their financial control of the insured, or premises they own, maintain, or control while the insured leases or occupies these premises	All Classes
Additional Insured - Owners, Lessees or Contractors - Scheduled Person or Organization	Adds a person or organization to the "Who Is an Insured" section of the Business Liability Coverage Form with respect to injury or damage caused by the performance of the insured’s ongoing operations for the additional insured at the location designated in the Declarations	All Classes
Additional Insured - Managers or Lessors of Premises	Broadens the "Who Is an Insured" section of the Business Liability Coverage Form to include person(s) or organization(s) shown in the declarations as additional insureds, but only with respect to liability arising out of the ownership, maintenance or use of that part of the premises leased to the insured and shown in the Declaration	All Classes
Additional Insured - State or Governmental Agency	Coverage for an agency of the state or governmental entity for its vicarious liability arising out of the named insured's operations	Agency, school
Additional Insured - Vendors	Broadens the "Who is An Insured" section of the Business Liability Coverage Form to include additional insureds with respect to liability for bodily injury or property damage arising out of the insured's products	All Classes
Additional Insured - Church Members and Officers	Broadens the "Who is An Insured" section of the Business Liability Coverage Form to add church members, trustees, or members of the clergy as insureds	Churches
Additional Insured - Executors, Administrators, Trustees or Beneficiaries	Broadens the "Who is An Insured" section of the Business Liability Coverage Form to add executors, administrator, trustees or beneficiary of the estate or living trust	All Classes
Additional Insured - Owners or Other Interests From Whom Land Has Been Leased	Broadens the "Who is An Insured" section of the Business Liability Coverage Form to include the person(s) or organization(s) shown in Declarations as additional insureds, with respect to liability arising out of the ownership, maintenance or use of leased land	All Classes
Additional Insured - Elective or Appointive Executive Officers of Public Corporations	Broadens the "Who is An Insured" section of the Business Liability Coverage Form to add any elective or appointive officer or member of any board or commission or agency of the insured	All Classes
Additional Insured - Designated Person or Organization	Broadens the "Who is An Insured" section of the Business Liability Coverage Form to include person(s) or organization(s) shown in the Declarations as additional insureds	All Classes
Additional Insured - Co-Owner of Insured Premises	Provides additional insured protection to a person or organization that is a co-owner of the premises shown in the Declarations	All Classes
Additional Insured - Lessor or Leased Equipment	Broadens the "Who is An Insured" section of the Business Liability Coverage Form to include person(s) or organization(s) as additional insureds with respect to liability for bodily injury, property damage or personal and advertising injury caused by the insured's maintenance	All Classes
Additional Insured - Grantor of Franchise	Add additional insureds to the Business Liability Coverage Form with respect to liability as grantor of franchises	All Classes
Additional Insured - Grantor of Licenses	Broadens the "Who is An Insured" section of the Business Liability Coverage Form to add any Grantor of Licenses	All Classes
Additional Insured - Owners, Lesses, or Contractors - Completed Operations	Broadens the "Who is An Insured" section of the Business Liability Coverage Form to include person(s) or organization(s) shown in the Declarations as additional insureds of the policy but only with respect to injury or damage caused by the insured's work an at the location shown in the Declarations	All Classes
Contractual Liability Limitation	Limits the definition of insured contract to five specific defined types	All Classes
Amendment of Liquor Liability Exclusion	Modifies the liquor liability exclusion to also exclude coverage for bodily injury or property damage arising out of the manufacturing, selling, or distributing of alcoholic beverages	All Classes
Cap on Losses from Certified Acts of Terrorism	Mandatory for Ohio policies written with mandatory certified Acts of Terrorism Coverage when the policy is an Owners and Contractors Protective Policy	All Classes
Snow Plow Operations Coverage	Coverage for products-completed operations coverage arising out of snow or ice removal operations	All Classes
Waiver of Charitable Immunity	Waives any charitable immunity of the insured, both in the adjustment of claims and in the defense of suits, unless the insured requests otherwise in writing	All Classes
Waiver of Governmental Immunity	Waives an insured's governmental immunity in the adjustment of claims and defenses of suits against the insured	All Classes
Amendment of Coverage Territory - Worldwide Coverage	Expands the coverage territory of the Business Liability Coverage Form	All Classes
Coverage Territory - Worldwide Coverage with Specified Exception	Coverage for a business worldwide, except for certain specified countries	All Classes
Additional Insured - State, Governmental Agency, Subdivision or Political Subdivision - Permits or Authorizations	Adds additional insureds with respect to operations performed by the insured or on the insured's behalf for which a permit or authorization has been issued by a state or governmental agency	All Classes
Building and Personal Property Coverage Form	Coverage for Building and Business Personal Property against direct physical loss or direct physical damage not otherwise excluded or limited	All Classes
Condominium Commercial Unit-Owners Coverage Form	Modifies the Special Property Coverage Form to change the definitions of Building and Business Personal Property to help meet requirements in the condo association bylaws	All Classes
Business Income and Extra Expense Coverage	Coverage for the actual loss of Business Income and incurred Extra Expense when operation are suspended due to loss or damage to property at the scheduled premises caused by a Covered Cause of Loss, as well as Extended Business Income coverage	All Classes
Leasehold Interest Coverage	Coverage for Bonus Payments, Prepaid Rent, Sublease Profit, and Tenant's Lease Interest when the insured is a tenant in their location and their lease is cancelled by the lessor due to damage to the leased building by a Covered Cause of Loss	All Classes
Increased Cost of Loss and Related Expenses for Green Upgrades	Coverage for the additional costs incurred to repair or replace damaged covered property using eco-friendly (green) alternatives after a covered loss at the scheduled premises	Retail store, consultant, manufacturer, printing and publishing company, franchise business, distributor, broker, car dealership, school
Utility Services Direct Damage	Coverage for loss or damage to Covered Property located at the scheduled premises caused by an interruption of utility services	All Classes
Business Personal Property Limited International Coverage	Coverage for Business Personal Property which is in the insured's care, custody, or control while anywhere in the world (excluding the United States of America, Puerto Rico, and Canada) on an international business trip	All Classes
Functional Business Personal Property Valuation	This form is attached to the policy, individual items of Business Personal Property may be scheduled on a function valuation	All Classes
Spoilage Coverage	Coverage for loss or damage for the spoilage of perishable goods located at or within 1,000 feet of the scheduled premises caused by a change in temperature or humidity due to mechanical breakdown, power surge, or power failure	All Classes
Vacancy Permit	Suspends the vacancy loss at the designated building for a specified period of vacancy	All Classes
Earthquake and Volcanic Eruption Coverage (Sub-Limit Form with Flat-Dollar Deductible)	Adds earthquake and volcanic eruption perils as Covered Causes of Loss to the policy, with coverage provided up to the Covered Property Limit(s) of Insurance unless a Specified Limit of Insurance is selected	All Classes
Causes of Loss - Special	Coverage for losses caused by events other than those specifically excluded in the policy	All Classes
Equipment Breakdown Cause of Loss	Coverage for equipment breakdown accidents that cause damage to certain types of Covered Property as defined in the form	All Classes
Loss Payable Provisions	Modifies the Special Property Coverage Form to recognize the financial interest of a loss payee or creditor	All Classes
Additional Covered Property	Coverage for loss or damage to scheduled property located anywhere in the world (including while in transit)	All Classes
Outdoor Signs	Coverage for loss or damage to outdoor signs owned by the insured or owned by the others but which are in the insured's care, custody, or control and are located at the scheduled premises	All Classes
Off-Premises Interruption of Business - Vehicles and Mobile Equipment	Coverage for the loss of Business Income, Extended Business Income, and Incurred Extra Expense that the insured sustains when covered property is damaged away from the schedules premises	All Classes
Business Income From Dependent Properties - Broad Form	Coverage for the loss of Business Income and incurred Extra Expense that the insured sustains as the result of loss or damage at a dependent property or secondary dependent property	All Classes
Increased Period of Restoration	Ensures that the period of restoration for Business Income and Extra Expense coverage does not get cut short prematurely due to the enforcement of an Ordinance or Law	All Classes
Utility Services - Time Element	Coverage for the loss of Business Income and incurred Extra Expense caused by an interruption of utility service to the scheduled premises	All Classes
Cap on Losses from Certified Acts of Terrorism	Mandatory on all Ohio policies written with mandatory Certified Acts of Terrorism Coverage when the policy contains the Special Property Coverage Form, SP 00 00	All Classes