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

Funeral Homes

Sports Teams & Camps

Pet Services

Security Services

Retail & E-Commerce

Moving Companies