Product Comparisons

Silver Package

Gold Package

Limits

Deductible

Premium

Limits

Deductible

Premium

Property

Policy Coverage

 

 

 

 

 

 

Business Income

$0.00

 

Not Included

12mos. Actual Loss Sustained

 

Included

Business Income Dependant Property

$0.00

 

Not Included

$10.000.00

24 hours

Included

Business Income & Extra Expense-Newly Acquired Property

$0.00

 

Not Included

$250,000.00

 

Included

Acquired Property

 

 

 

 

 

 

Employee Dishonest/Forgery

$0.00

 

Not Included

$25,000.00

Policy Level

Included

Expediting Expenses

$0.00

 

Not Included

$25,000.00

Policy Level

Included

Identity Theft

$0.00

 

Not Included

$25,000.00

$250.00

Included

Terrorism Risk Insurance Act Premium

$0.00

 

Included

 

 

Included

 

 

 

 

 

 

 

The Following Coverage’s Apply to Each Location

 

 

 

 

 

 

 

 

 

 

 

 

 

Appurtenant Building and Structures

$0.00

 

Not Included

$50,000.00

Policy Level

Included

Arson & Theft Reward

$0.00

 

Not Included

$5,000.00

None

Included

Civil Authority

 

 

Not Included

3 Weeks

24 Hours

Included

Claim Data Expense

$0.00

 

Not Included

$5,000.00

Policy Level

Included

Debris Removal

 

 

Not Included

25% + $25,000.00

Policy Level

Included

Fire Department Service Charge

$0.00

 

Not Included

$25,000.00

None

Included

Fire Protection Equipment discharge

$0.00

 

Not Included

$10,000.00

Policy Level

Included

Newly Acquired/Constructed Property

$0.00

 

Not Included

$500,000.00 per Building

 

Included

BPP 180 Days (Gold Package)

 

 

 

$250,000.00

Policy Level

 

None Owned Detached Trailers

$0.00

 

Not Included

$5,000.00

Policy Level

Included

Outdoor Property

$0.00

 

Not Included

$10,000.00

Policy Level

Included

Outdoor Trees, Shrubs, Plants, Lawns

$0.00

 

Not Included

$3,000.00

Policy Level

Included

Personal Effects

$0.00

 

Not Included

$25,000.00

Policy Level

Included

Pollutant Clean Up & Removal

$0.00

 

Not Included

$25,000.00

Policy Level

Included

Preservation of Property

$0.00

 

Not Included

BPP Limit up to 90 days

Policy Level

Included

Signs

$0.00

 

Not Included

Included

Policy Level

Included

Spoilage - Consequential Loss

$0.00

 

Not Included

Included in BPP Limit

Policy Level

Included

Temporary Relocation of Property

$0.00

 

Not Included

$50,000.00 up to 90 days

Policy Level

Included

Tenant Glass

$0.00

 

Not Included

Included in BPP Limit

Policy Level

Included

Theft damage to Rented Property

$0.00

 

Not Included

Included in BPP Limit

Policy Level

Included

 

 

 

 

 

 

 

 

Location Information

 

 

 

 

 

 

Inflation Guard

$0.00

 

Not Included

3%

Policy Level

Included

Business Personal Property (BPP)

$0.00

 

Not Included

$20,000.00

Policy Level

Included

Seasonal Increase

$0.00

 

Not Included

25%

Policy Level

Included

Business Personal Property - off Premises

$0.00

 

Not Included

$20,000.00

Policy Level

Included

Wind and Hail Deductible

$0.00

 

Not Included

 

2%

Included

Money and Securities

$0.00

 

Not Included

Included in BPP Limit

Policy Level

Included

Money Orders and Counterfeit Paper

$0.00

 

Not Included

Included in BPP Limit

Policy Level

Included

Equipment Breakdowns

$0.00

 

Not Included

$20,000.00

Policy Level

Included

Pollutants

$0.00

 

Not Included

$25,000.00

Policy Level

Included

Expediting Expenses

$0.00

 

Not Included

$25,000.00

Policy Level

Included

Equipment Breakdown Specific Equipment

$0.00

 

Not Included

$100,000.00

Policy Level

Included

Ordinance or Law

$0.00

 

Not Included

$25,000.00

Policy Level

Included

Building Glass

$0.00

 

Not Included

 

Policy Level

Included

Accounts Receivable

$0.00

 

Not Included

$25,000.00

None

Included

Valuable Papers and Records

$0.00

 

Not Included

$25,000.00

Policy Level

Included

Electronic Data Processing

$0.00

 

Not Included

$50,000.00

Policy Level

Included

Electronic Data Processing - In Transit

$0.00

 

Not Included

$25,000.00

Policy Level

Included

Sewer and Drain Backup

$0.00

 

Not Included

$25,000.00

Policy Level

Included

Animal Bailee

$10,000.00

$250.00

Included

$20,000.00

Policy Level

Included

Fine Arts

$0.00

 

Not Included

$25,000.00

Policy Level

Included

Targeted Hacker Attack

$0.00

 

Not Included

$25,000.00

Policy Level

Included

 

Liability

Policy Coverage

 

 

 

 

 

 

 

General Liability

 

 

Included

 

 

Included

Each Occurrence

 

$2,000,000.00

Included

$2,000,000.00

 

Included

Personal and Advertising Injury

 

$2,000,000.00

Included

$2,000,000.00

 

Included

Products Completed Operations Aggregate

 

$4,000,000.00

Included

$4,000,000.00

 

Included

General Aggregate

 

$4,000,000.00

Included

$4,000,000.00

 

Included

Fire Damage to Premise Rented to You

 

$300,000.00

Included

$300,000.00

 

Included

Medical Expense

 

$10,000.00

Included

$10,000.00

 

Included

Employment Practices Fiduciary Liability

 

 

Not Included

$10,000.00

 

Included

At Policy Inception

 

 

 

 

 

 

Hired and Non-Owned

 

 

Not Included

 

 

Included

Hired Auto Liability

 

 

Not Included

 

 

Included