Professional services

Bars & Clubs

Funeral Homes

Sports Teams & Camps

Pet Services

Security Services

Retail & E-Commerce

Moving Companies

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

Excludes activities or operations performed by non-disclosed employees

All Classes

Alcoholic beverage health effects

Excludes coverage for any health effects related to consumption of alcoholic beverages

All Classes

Assault and battery

Excludes for any injury, damage or loss resulting from an act of assault or battery

All Classes

Injury to Volunteer Workers

Excludes coverage for bodily injury to volunteers working for the insured

All Classes

Medical Malpractice

Excludes any actual or alleged bodily injury, sickness, disease, or property damage arising out of the rendering of professional medical services or treatment, including any claim for loss of services or loss of support

All Classes

Overspray

Excludes damage resulting from overspray from painting, spraying, etc.

All Classes

Sexually Transmitted Diseases

Excludes coverage for any losses caused by sexually transmitted diseases or illnesses.

All Classes

Total Professional Services

Applies to any liability arising from professional services including but not limited to actuarial, legal, engineering, and accounting services.

Consultant, agency, professional services (actuarial, legal, engineering, accounting)

Additional Insured

Excludes coverage for injury or damage arising out of professional architectural, engineering or surveying services completed by an additional insured on the Business Liability Coverage Form

Professional services (actuarial, legal, engineering, accounting)

Described Hazards Mechanically Operated Amusement Devices

Excludes coverage for amusement devices operated by mechanical means such as pinball machines, video games, pool tables, and jukeboxes

All Classes

Described Hazards Fireworks

Excludes coverage for described hazards such as fireworks

All Classes

Discrimination

Excludes certain individuals or groups from the services of a business due to their race, color, religion, sex, national origin, disability, or age

All Classes

Professional Services

Services provided by professionals such as actuaries, lawyers, engineers and accountants

Consultant, agency, professional services (actuarial, legal, engineering, accounting)

Absolute Lead Exclusion

Exposure from lead paint may be deleted with the attachment of this form. This optional form is available to all classes

All Classes

Artificial Tanning

Excludes coverage for all tanning services.

All Classes

Tobacco Or Nicotine Products

Excludes coverage for all damages arising out of the defined tobacco or nicotine product

All Classes

Chapter or Club Activities

Excludes coverage for activities of any member, affiliate or associated chapter, club or similar entity

All Classes

Field Trips or Excursions

Excludes coverage for bodily injury sustained by any person while on any field trip or excursion

School

Inhalation Devices

Precludes coverage for injury arising from the use inhalation devices

All Classes

Foreign Products

Excludes coverage for injury or damage that occurs outside of the coverage territory if the injury/damage arises from products that are made or sold in the coverage territory

All Classes

Playground Facility

Excludes coverage for any playground facility

All Classes

Products - Completed Operations Hazard

Removes coverage for products and completed operations when attached

All Classes

Designated Operations

Excludes coverage for the operations designated in the Declarations

All Classes

Patient Injury

Excludes coverage for injury to any person while they are the patient of an insured or at an insured‚ premises for the purpose of receiving health care or other related services

All Classes

Snow or Ice Removal Operations

Excludes coverage for liability arising out of snow or ice removal operations

All Classes

Transporting And Towing Liability

Excludes coverage for injury or damage which arises out of the transporting or towing of any vehicle

Car dealership

Project Apparatus

Excludes coverage for injury or damages caused by the use of any project apparatus

All Classes

Financial Institutions Construction Loans Or Finance

Excludes coverage for injury or damage arising out of any building in which the insured holds a security interest because of loans made in connection with its construction, or the financing of its construction

All Classes

Electromagnetic Hazard

Excludes coverage for injury or damage arising out of radiation or electromagnetic sources

All Classes

Designated Activities

Excludes coverage for injury or damage arising from the activities outlined in the endorsement

All Classes

Limited Exclusion - Electromagnetic Hazard

Excludes coverage for injury or damage arising out of the actual or alleged properties of radiation or energy from electromagnetic sources

All Classes

Special Events

Excludes coverage for specific special events as defined in the endorsement

Art Dealers or Galleries, Museums, Libraries, Associations, Clubs

Aircraft Products Liability

Excludes coverage for injury or damage arising from aircraft products liability

All Classes

Lawyers Professional Liability

Excludes coverage for injury or damage arising from professional legal services

Professional services (actuarial, legal, engineering, accounting)

Medical Expenses

Removes coverage for Medical Expenses from the Business Liability Coverage Form

All Classes

Association Chapter Or Club Activities

Excludes coverage for bodily injury or property damage arising out of the ownership, maintenance, or use of any auto owned, leased, hired, rented, borrowed, or operated by or used in the business of any chapter, club or similar entity affiliated or associated with the named insured under any chapter, license, franchise or similar arrangement

All Classes

Real Estate Development And Real Estate Management Activities

Excludes coverage for real estate development and management activities and is mandatory for certain Real Estate classes and optional for all other classes.

Real Estate

Equipment Leasing And Sale

Excludes coverage arising out of the lease, rental or sale of equipment or property, other than real property, to others

All Classes

Consulting Services Errors and Omissions

Excludes coverage for consulting and design services errors and omissions.

Consultant, agency, professional services (actuarial, legal, engineering, accounting), manufacturer, printing & publishing company, art studio, franchise business, association, distributor, broker, car dealership, school

Software Programmers - Products And Errors And Omissions

Excludes coverage for all programming services including products and errors and omissions

All Classes

Construction Activities

Excludes coverage for injury or damage arising out of structural alterations, the moving of buildings or other structures, new construction or demolition operations

All Classes

Entities Receiving Venture Capital Services

Excludes coverage for injury or damage arising out of individuals or entities receiving venture capital services from the insured

All Classes

Limited Exclusion - Professional Services - Home Inspectors

Excludes coverage for injury or damage resulting from the professional services of a home inspector

Professional services (actuarial, legal, engineering, accounting), home inspector

Property Damage To Electronic Data Computer Software Manufacturer

Excludes damage to electronic data arising out of computer software programs developed and manufactured by the insured

Manufacturer, printing & publishing company, art studio, franchise business, association, distributor, broker, car dealership, school

Web Site Related Personal And Advertising Injury

Excludes coverage for personal and advertising injury arising out of the insured

All Classes

Restriction of Coverage

Excludes coverage for injury or damage for products, clinical trials, health care services and professional liability

All Classes

Wood Preservatives Containing Arsenic

Excludes coverage for injury or damage arising out of the wood preservative hazard

All Classes

Welding Hazard

Excludes coverage for injury or damage arising out of or related to welding materials

All Classes

Hazards Insured Elsewhere

Excludes coverage for injury or damage for which insurance is provided by any policy shown in the schedule on the endorsement

All Classes

Personal and Advertising Injury Exclusion - Copyright Material

Excludes personal and advertising injury for the infringement of copyright, slogan, or title of any literary or artistic work in the insured‚ advertisement

All Classes

New Construction Multiple Unit and Tract Housing

The form excludes coverage for bodily injury, property damage and/or personal and advertising injury arising out of the insured‚ work on multiple unit housing, tract housing or the conversion of existing apartments into condominiums or cooperatives

Manufacturer, printing & publishing company, art studio, franchise business, association, distributor, broker, car dealership, school

Mortgage Foreclosure

Excludes coverage arising out of the ownership, maintenance or use of real property acquired by foreclosure.

All Classes

Dispensing And Distributing

Excludes coverage for injury or damage arising out of the dispensing and distributing of pharmaceutical drugs, vaccinations, or immunizations

Drug Store

Coverage For Special Events - Alcohol Distributors

Excludes coverage for specific special events as defined by the form

Distributor, broker

Subsidence And Other Soil Movements

Excludes coverage for loss resulting from soil movements including landslide and earthquake as defined by the form

All Classes

Continuous or Progressive Injury and Damage

Excludes coverage for bodily injury or property damage that first commenced before the policy period regardless if it continues during the policy period

All Classes

Perfluoroalkyl and Polyfluoroalkyl Substances

Excludes bodily injury, property damage, and personal and advertising injury related exposures associated to Perfluoroalkyl and Polyfluoroalkyl Substances

All Classes

Setting of Standards, Warnings, Licenses or Certification

Excludes coverage for injury or damage arising out of the setting of standards, warnings, licenses or certification of a particular product, procedure, method service or process

All Classes

Trampoline And Gymnastic Rebounding Devices

Excludes coverage for injury arising out of the ownership, maintenance, operation or use of any trampoline or gymnastic rebounding device

All Classes

Hazards Insured Elsewhere

Excludes coverage for injury or damage for which insurance is provided by any policy shown in the schedule on the form

All Classes

Nuclear Energy Liability

Excludes liability coverage for injury or damage resulting from nuclear material. This form is mandatory for all classes

All Classes

Programming Services

Excludes coverage for injury or damage arising out of the insured

Consultant, agency, professional services (actuarial, legal, engineering, accounting), manufacturer, printing & publishing company, art studio, franchise business, association, distributor, broker, car dealership, school

Hazards Insured Elsewhere

Excludes injury or damage arising out of a specific location and/or specific operation shown in the Declarations

All Classes

Designated Operations Covered By A Consolidated Wrap-Up Insurance Program

Excludes coverage for the operations of the insured at specific job sites if those sites are insured by the prime contractor/project manager or owner of the construction project in a Wrap-Up program

All Classes

Absolute Pollution Exclusion - Exception For Hostile Fire

Deletes specific provisions from the pollution exclusion as it appears on the Business Liability Coverage Form with the exception of hostile fire

All Classes

Personal and Advertising Injury

Excludes coverage for personal and advertising injury with the exception of the following offenses: false arrest, malicious prosecution, wrongful entry, wrongful eviction and invasion of the right of private occupancy

All Classes

Construction Activities - Engineers, Architects or Surveyors

Excludes coverage for injury or damage arising out of construction activities, and construction management and supervision services performed by the insured

All Classes

Fungi, Bacteria And Viruses

Excludes coverage for injury or damage arising out of exposure to fungi, bacteria and viruses, with an exception for bodily injury or property damage caused by ingestion of food

All Classes

Fungi Bacteria Viruses Limited

Excludes coverage for injury or damage arising out of exposure to fungi, bacteria and viruses, with an exception for bodily injury or property damage caused by ingestion of food and for bodily injury

All Classes

Contractor, Errors & Omissions

Coverage for negligent acts, errors, or omissions arising out of the performance of contracted services

All Classes

Excess Provision

Excludes coverage for any loss in excess of the applicable limit of liability

All Classes

Limitation of Coverage for Vacant Land

Excludes coverage for injury or damage arising out of vacant land, real estate development property or hunting preserves

All Classes

Limitation of Coverage - Travel Agents

Excludes coverage for errors and omission in the conduct of a business as a travel agent

Agency

Limitation of Coverage Personal and Advertising Injury - Financial Services

Modifies the definition of personal and advertising injury to exclude offenses arising out of or in any way related to, mortgage, lien, mortgage servicing or lien servicing operations conducted by or on behalf of the insured

Broker, professional services, agency, consultant, franchise business, association, distributor, car dealership, school

Limitation of Coverage to Business Description

Limits coverage to only those businesses specified in the class list

All Classes

Designated Operations Limitation

Limits the operations of the insured business to only those designated in the policy

All Classes

Hazards Insured Elsewhere - Educator's Legal Liability Coverage Form

Excludes coverage for injury or damage for which insurance is provided by any policy shown in the schedule on the endorsement

School

Fungi Bacteria Viruses - Educator's Legal Liability

Excludes coverage for injury or damage arising out of exposure to fungi, bacteria and viruses

School

Silica

Excludes coverage for injury or damage arising out of silica

School

Wood Preservatives Containing Arsenic - Educators Legal Liability

Excludes coverage for injury or damage arising out of the wood preservative hazard

School

Welding Hazard - Educator's Legal Liability

Excludes coverage for injury or damage arising out of or related to welding materials

School

Absolute Lead Exclusion

Excludes coverage for injury or damage arising out of the lead hazard

Retail store, clothing store, fitness facility, day spa, barber shop & beauty salon, consultant, agency, professional services, manufacturer, printing & publishing company, franchise business, association, distributor, broker, car dealership, school

Wood Preservatives Containing Arsenic

Excludes coverage for injury or damage arising out of the wood preservative hazard

Manufacturer, printing and publishing company, art studio, franchise business, association ,distributor, broker, car dealership, school

Welding Hazard

Excludes coverage for injury or damage arising out of or related to welding materials

Manufacturer

Hazards Insured Elsewhere - Owners and Contractors Protective Liability Coverage Form

Excludes coverage for injury or damage for which insurance is provided under any policy shown in the schedule in the endorsement

All Classes

Fungi Bacteria Viruses

Excludes coverage for injury or damage arising out of exposure to fungi, bacteria and viruses

All Classes

Business Personal Property Exclusion - Collection

Excludes specific types of Business Personal Property which are part of a collection, exhibition, or display of a cultural institution

49010, 49041, 49101, 49141

Medical Diagnostic Equipment

Excludes coverage for Medical Diagnostic Equipment as defined within the form

Veterinarian - Equine Only, Veterinarian - Predominately Large Animals, Veterinarian - Predominately Small Animals, Veterinarian - Predominately Small Animals Only, Medical Office - Other, Medical Diagnostic Centers, Laser Eye Surgery Center, Ambulatory Surgery Centers, Dialysis Centers, Dental Laboratory

Cosmetic Damage to Metal Roof Surfacing

Excludes coverage for cosmetic damage caused by windstorm or hail when building coverage is included on the policy

All Classes

EX 00 00

Excludes coverage for certain perils described in the form. This form is mandatory for all classes when Special Property Coverage Form, SP 00 00, is on the policy

All Classes

Amendment of Property Coverage for Financial Services

Coverage for certain types of property owned by the financial services market group

Financial services

Athletic or Sports Participants

Excludes payments made to athletic or sports participants

All classes

Unmanned Aircraft

Excludes unmanned aircraft operations, such as drones for commercial purposes

Manufacturer, printing and publishing company, art studio, franchise business, association, distributor, broker, car dealership, school

Designated Professional Services

Excludes coverage for the rendering or failure to render designated professional services that are described in the Declarations

All Classes

Communicable Disease

Excludes bodily injury, property damage, or personal and advertising injury arising out of the actual or alleged transmission of a communicable disease

All Classes

Designated Products

Excludes coverage for products and completed operations arising out of the designated products shown in the Declarations

All Classes

Designated Wrok

Excludes coverage for products and completed operations arising out of the designated work shown in the Declarations

All Classes

Personal and Advertising Injury

Removes coverage for personal and advertising injury from the Business Liability Coverage Form

All Classes

Inter-company Products Suit

Excludes coverage for claims brought by one Named Insured against another Named Insured

All Classes

Explosion, Collapse, and Underground Property Damage Hazard (Specific Operations)

Excludes coverage for damages arising out of collapse, blasting and explosion hazards

All Classes

Limitation of Coverage to Designated Premises, Project or Operation

Excludes coverage for injury or damage to a designated premises or designated project shown in the Declarations

All Classes

Financial Services

Excludes coverage for injury of damage resulting from the rendering of or failure to render various financial services

Consultant, agency, professional services, manufacturer, printing and publishing company, art studio, franchise business, association, distributor, broker, car dealership, school

Counseling Services

Excludes coverage for counseling services with respect to issues such as mental health, crisis prevention, social services or drug and alcohol rehabilitation

All Classes

Professional Veterinarian Services

Excludes coverage for injury or damage arising out of the treatment of animals

Veterinarian, pet training services

Diagnostic Testing Laboratories

Excludes coverage for medical or diagnostic testing or procedures

All Classes

Volunteer Workers as Insureds

Removes volunteer workers as insureds from the Business Liability Coverage Form

All Classes

Exterior Insulation & Finish Systems

Excludes coverage for injury or damage arising out of the use of exterior insulation and finish systems or water-managed exterior insulation and finished systems

All Classes

Silica or Silica-Related Dust

Excludes coverage for injury or damage arising out of silica

All Classes

Inspection, Appraisal, and Survey Companies

Excludes coverage for errors and omissions from inspections, appraisals and survey services

All Classes

Corporal Punishment

Removes coverage for injury to the students of the insured arising out of any corporal punishment administered by or at the direction of any insured

All Classes

Testing or Consulting Errors and Omissions

Excludes coverage for consulting errors and omissions or computer software development and is mandatory for certain consulting classes and optional for all other classes

Consultant, professional services

Construction Management Errors and Omissions

Excludes coverage for the rendering or failure to render professional services related to construction management

Professional services

Fiduciary or Representative Liability of Financial Institutions

Excludes coverage for damages arising out of the ownership, maintenance, or use of property for which the insured is acting in a fiduciary or representative capacity

All Classes

Camps or Campgrounds

Excludes coverage for injury or damages caused by the rendering of or failure to render medical services by the Insured operating or owning a camp or campground with an infirmary

All Classes

Medical Payments to Children in Day Care

Excludes medical expenses coverage for children enrolled in day care

All Classes

Housing Project Sites

Excludes coverage for damages arising out of the ownership of a building on the site of a proposed housing project at the time the property was acquired by a housing authority

All Classes

Existence or Maintenance of Streets, Roads, Highways, or Bridges

Excludes coverage for damages arising out of the existence or maintenance of streets, roads, highways, or bridges

All Classes

Engineers, Architects, or Surveyors Professional Liability

Excludes coverage for injury or damage arising out of or the failure to render any professional services by an engineering, architectural or surveying firm

Architect, Engineer, Land Surveyor

Specified Therapeutic or Cosmetic Services

Excludes coverage for injury or damage with respect to any operation shown in the Declarations, arising out of the rendering or failure to render any service, treatment, advice or instruction for the purpose of appearance, skin enhancement, hair removal, replacement, personal grooming, or therapy

All Classes

Insurance and Related Operations

Excludes coverage for professional liability from the operations of an insurance agency

Agency, professional services

Medical Payments Coverage - Inmates, Patients, or Prisoners

Excludes coverage for injury to any inmate, patient or prisoner treated at any of the facilities shown in the schedule on the form

All Classes

Corporal Punishment

The intentional infliction of physical pain as a form of punishment

School

Real Estate Property Managed

Excludes coverage for damage arising out of property in which the insured operates, manages, or acts as an agent for the collection of rents or any other supervisory capacity

All Classes

Professional Liability

Excludes coverage for the rendering or failure to render any service in connection with the insured's computer software

All Classes

Professional Liability Exclusion - Computer Data Processing

Excludes coverage for injury or damage arising out of any act, error or omission with respect to data processing services

All Classes

Professional Liability

Excludes coverage for personal and advertising injury arising out of the insured's computer data processing operations, with the exception of the following offenses: false arrest, malicious prosecution, wrongful entry, wrongful eviction and invasion of the right of private occupancy

All Classes

Erroneous Delivery or Mixture and Resulting Failure of Seed to Germinate - Seed Merchants

Excludes coverage for damage arising out of the failure to deliver seed, the delivery of the wrong seed or the delivery of the seed at the wrong time as well as the failure of the seed to germinate

All Classes

Adult Day Care Centers

Excludes coverage for injury or damage arising out of the rendering or failure to render any medical related services

All Classes

Telecommunication Equipment or Service Providers Errors and Omissions

Excludes coverage for injury or damage out of the insured's involvement in telecommunications-type services

All Classes

Damage to Work Performed by Subcontractors on Your Behalf

Amends the definition of Occurrence in the Business Liability Coverage Form to include damage resulting form the insured's work performed by a subcontractor

Manufacturer, printing and publishing company, art studio, franchise business, association, distributor, broker, car dealership, school

Damage to Work Performed by Subcontractors

Excludes damage to work performed by subcontractors on your behalf at designated sites or operations

All Classes

Exterior Insulation & Finish Systems

Excludes coverage for injury or damage arising out of the use of exterior insulation and finish systems or water-managed exterior insulation and finish systems

Manufacturer, printing and publishing company, art studio, franchise business, association, distributor, broker, car dealership, school

Silica or Silica-Related Dust

Excludes coverage for injury or damage arising out of silica

Manufacturer, printing and publishing company, art studio, franchise business, association, distributor, broker, car dealership, school

Employees and Volunteer Workers as Insureds

Removes coverage under the "Who is an Insured" section of the Business Liability Coverage Form for employees and volunteers

All Classes

Athletic or Sports Participants - All Contests or Exhibitions

Removes coverage for bodily injury to any person while practicing for or participating in any class, athletic, or sports related activity

All Classes

Hired Auto Liability

Excludes liability for hired autos (vehicles rented, leased, or loaned to the insured) owned by or leased to the insured

All Classes

Cannabis Exclusion with Hemp Exception

Excludes bodily injury, property damage and personal advertising injury related exposures associated with the defined term cannabis, including exceptions for hemp

All Classes

Cannabis Exclusion with Hemp and Lessors Risk Exceptions

Excludes bodily injury, property damage and personal and advertising injury related exposures associated with the defined term cannabis, including exceptions for hemp and Lessors Risk

All Classes

Sexual Abuse or Sexual Molestation

Excludes coverage for sexual abuse or molestation

All Classes

Theft

Excludes loss or damage due to theft

All Classes

Windstorm or Hail

Excludes loss or damage due to windstorm or hail

All Classes

Cannabis

Excludes applicants from providing any services realted to the cannabis industry

All Classes

Risk Management

Commercial insurance mitigates risks, providing financial protection and peace of mind for small businesses.

Financial Stability

It safeguards against major financial impact from lawsuits, property damage, or liability claims, maintaining stability.

Business Continuity

Commercial insurance, including business interruption coverage, enables quick recovery and minimizes losses during disruptions.

Legal Compliance

It ensures adherence to legal requirements, enhancing reputation and credibility with customers and stakeholders.

Customer Confidence

Commercial insurance demonstrates responsible practices, building trust and confidence in the business.

Business Growth

Having coverage opens doors to new opportunities, expanding customer base and securing partnerships. Insurance requirements are often compulsory in partnership agreements for SMBs

Financial Security

Commercial insurance offers a safety net that protects SMBs from significant financial losses. Transferring risk to an insurance provider, allows SMBs to focus on innovation and growth.

Compliance and Peace of Mind

Many states and industries have specific insurance requirements. By obtaining the necessary coverage, SMBs ensure compliance with legal obligations, avoiding penalties and potential lawsuits.

Enhanced Reputation

Having commercial insurance coverage enhances an SMB's reputation and credibility. It demonstrates commitment to professionalism and responsibility, assuring clients, partners, and stakeholders that they are equipped to handle unexpected events.

Focus on Success

Commercial insurance gives owners and operators the freedom to focus on what matters most: core operations and driving their venture forward.

prod

This environment should only be used to redirect actual customer traffic. Any policy created in this environment is binding and will require payment.

sandbox

This environment should be used for testing. Insurance policies created in this environment are not real policies and cannot be used for any form of coverage.

staging

This environment should be used for development. Insurance policies created in this environment are not real policies and cannot be used for any form of coverage.

email

string

number

0

Total count of commercial insurance claims within the last 3 years

BUSINESS_LEGAL_NAME

string

Test Business, LLC.

Business legal name

NAME

string

Zachary Atak

Full legal name of point of contact at SMB

DATE_OF_BIRTH

date

1994-01-06T05:00:00.000Z

Date of birth of contact at SMB

PHONE

string

7161112222

Phone number of contact at SMB

PL_ELECT

Yes / No

No

Does SMB elect Professional Liability for their Business?

MAILING_ADDRESS

string

123 William St, New York, NY 10038, USA

Mailing address for SMB; can be separate from place of operation.

number

1350000

Estimated annual revenue next 12 months

PAYROLL

number

750000

Estimated annual payroll next 12 months

NUM_EMPLOYEES

number

12

Number of employees

string

Small Business contact's full legal name

Frank Smith

email

string

Small Business contact's email address

larry@cableguy.com

BUSINESS_LEGAL_NAME

string

Business legal name

Jacob's Gym LLC

businessClassCode

string

Business class code to describe SMB's operations. See full list of SMB class codes here

47011

stateCodes

array

States where business conducts operations or has stores

["OH", "NJ", "PA"]

ADDRESS

string

123 North Main Street, Dayton, OH 45402, USA

Address where this business operation is located

STATE

string

"OH"

State where this exposure is located

SALES

string

1350000

Estimated annual revenue next 12 months

PAYROLL

string

750000

Estimated annual payroll next 12 months

NUM_EMPLOYEES

string

12

Number of employees

NAME

string

Larry Smith

NAME=Larry+Smith

Small Business contact's full legal name

email

string

larry@cableguy.com

email=larry@cableguy.com

Small Business contact's email