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Product Comparisons |
Silver Package |
Gold Package |
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Limits |
Deductible |
Premium |
Limits |
Deductible |
Premium |
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Property |
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Policy Coverage |
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Business Income |
$0.00 |
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Not Included |
12mos. Actual Loss Sustained |
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Included |
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Business Income
Dependant Property |
$0.00 |
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Not Included |
$10.000.00 |
24 hours |
Included |
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Business Income
& Extra Expense-Newly Acquired Property |
$0.00 |
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Not Included |
$250,000.00 |
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Included |
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Acquired Property |
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Employee
Dishonest/Forgery |
$0.00 |
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Not Included |
$25,000.00 |
Policy Level |
Included |
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Expediting Expenses |
$0.00 |
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Not Included |
$25,000.00 |
Policy Level |
Included |
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Identity Theft |
$0.00 |
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Not Included |
$25,000.00 |
$250.00 |
Included |
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Terrorism Risk
Insurance Act Premium |
$0.00 |
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Included |
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Included |
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The Following
Coverage’s Apply to Each Location |
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Appurtenant
Building and Structures |
$0.00 |
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Not Included |
$50,000.00 |
Policy Level |
Included |
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Arson & Theft
Reward |
$0.00 |
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Not Included |
$5,000.00 |
None |
Included |
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Civil Authority |
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Not Included |
3 Weeks |
24 Hours |
Included |
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Claim Data Expense |
$0.00 |
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Not Included |
$5,000.00 |
Policy Level |
Included |
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Debris Removal |
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Not Included |
25% + $25,000.00 |
Policy Level |
Included |
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Fire Department
Service Charge |
$0.00 |
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Not Included |
$25,000.00 |
None |
Included |
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Fire Protection
Equipment discharge |
$0.00 |
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Not Included |
$10,000.00 |
Policy Level |
Included |
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Newly
Acquired/Constructed Property |
$0.00 |
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Not Included |
$500,000.00 per Building |
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Included |
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BPP 180 Days (Gold Package) |
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$250,000.00 |
Policy Level |
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None Owned Detached
Trailers |
$0.00 |
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Not Included |
$5,000.00 |
Policy Level |
Included |
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Outdoor Property |
$0.00 |
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Not Included |
$10,000.00 |
Policy Level |
Included |
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Outdoor Trees,
Shrubs, Plants, Lawns |
$0.00 |
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Not Included |
$3,000.00 |
Policy Level |
Included |
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Personal Effects |
$0.00 |
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Not Included |
$25,000.00 |
Policy Level |
Included |
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Pollutant Clean Up
& Removal |
$0.00 |
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Not Included |
$25,000.00 |
Policy Level |
Included |
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Preservation of
Property |
$0.00 |
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Not Included |
BPP Limit up to 90
days |
Policy Level |
Included |
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Signs |
$0.00 |
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Not Included |
Included |
Policy Level |
Included |
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Spoilage -
Consequential Loss |
$0.00 |
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Not Included |
Included in BPP
Limit |
Policy Level |
Included |
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Temporary
Relocation of Property |
$0.00 |
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Not Included |
$50,000.00 up to 90 days |
Policy Level |
Included |
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Tenant Glass |
$0.00 |
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Not Included |
Included in BPP
Limit |
Policy Level |
Included |
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Theft damage to
Rented Property |
$0.00 |
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Not Included |
Included in BPP Limit |
Policy Level |
Included |
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Location
Information |
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Inflation Guard |
$0.00 |
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Not Included |
3% |
Policy Level |
Included |
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Business Personal
Property (BPP) |
$0.00 |
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Not Included |
$20,000.00 |
Policy Level |
Included |
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Seasonal Increase |
$0.00 |
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Not Included |
25% |
Policy Level |
Included |
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Business Personal
Property - off Premises |
$0.00 |
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Not Included |
$20,000.00 |
Policy Level |
Included |
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Wind and Hail
Deductible |
$0.00 |
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Not Included |
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2% |
Included |
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Money and
Securities |
$0.00 |
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Not Included |
Included in BPP Limit |
Policy Level |
Included |
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Money Orders and
Counterfeit Paper |
$0.00 |
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Not Included |
Included in BPP
Limit |
Policy Level |
Included |
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Equipment
Breakdowns |
$0.00 |
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Not Included |
$20,000.00 |
Policy Level |
Included |
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Pollutants |
$0.00 |
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Not Included |
$25,000.00 |
Policy Level |
Included |
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Expediting Expenses |
$0.00 |
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Not Included |
$25,000.00 |
Policy Level |
Included |
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Equipment Breakdown
Specific Equipment |
$0.00 |
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Not Included |
$100,000.00 |
Policy Level |
Included |
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Ordinance or Law |
$0.00 |
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Not Included |
$25,000.00 |
Policy Level |
Included |
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Building Glass |
$0.00 |
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Not Included |
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Policy Level |
Included |
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Accounts Receivable |
$0.00 |
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Not Included |
$25,000.00 |
None |
Included |
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Valuable Papers and
Records |
$0.00 |
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Not Included |
$25,000.00 |
Policy Level |
Included |
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Electronic Data
Processing |
$0.00 |
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Not Included |
$50,000.00 |
Policy Level |
Included |
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Electronic Data
Processing - In Transit |
$0.00 |
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Not Included |
$25,000.00 |
Policy Level |
Included |
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Sewer and Drain
Backup |
$0.00 |
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Not Included |
$25,000.00 |
Policy Level |
Included |
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Animal Bailee |
$10,000.00 |
$250.00 |
Included |
$20,000.00 |
Policy Level |
Included |
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Fine Arts |
$0.00 |
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Not Included |
$25,000.00 |
Policy Level |
Included |
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Targeted Hacker
Attack |
$0.00 |
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Not Included |
$25,000.00 |
Policy Level |
Included |
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Liability |
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Policy Coverage |
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General Liability |
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Included |
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Included |
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Each Occurrence |
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$2,000,000.00 |
Included |
$2,000,000.00 |
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Included |
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Personal and Advertising Injury |
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$2,000,000.00 |
Included |
$2,000,000.00 |
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Included |
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Products Completed Operations Aggregate |
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$4,000,000.00 |
Included |
$4,000,000.00 |
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Included |
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General Aggregate |
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$4,000,000.00 |
Included |
$4,000,000.00 |
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Included |
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Fire Damage to
Premise Rented to You |
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$300,000.00 |
Included |
$300,000.00 |
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Included |
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Medical Expense |
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$10,000.00 |
Included |
$10,000.00 |
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Included |
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Employment
Practices Fiduciary Liability |
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Not Included |
$10,000.00 |
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Included |
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At Policy Inception |
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Hired and Non-Owned |
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Not Included |
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Included |
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Hired Auto Liability |
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Not Included |
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Included |
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