• Subject to Special Causes of Loss*
• Includes buildings and structures, plus fixtures (including outdoor fixtures); permanently installed machinery and equipment; permanently attached signs, awnings and canopies; building glass and foundations.
• Provides valuation options to insure at replacement cost or actual cash value
• Automatically increases the building limit of insurance 2 percent per year**
• Covers damage due to water backup of sewers, drains, septic systems or sump pumps up to $25,000 (except Florida).
• Responds to closures from the enforcement of ordinances or laws regulating the demolition or restoration of a damaged building (up to $25,000).**

*	Special Cause of Loss means the policy insures risks of direct physical loss to covered property, except as specifically excluded or limited in the policy.
**	Coverage may be increased for an additional charge.

• Subject to Special Causes of Loss*
• Includes owned property; personal property of others in your care, custody or control; tenants improvements and betterments plus sales samples.
• Includes leased personal property when contractually responsible to insure.
• Provides valuation options to insure at replacement cost or actual cash value.
• Covers damage due to change in temperature or humidity.
• Earthquake and flood (except Florida).
• Property off premises is covered up to $25,000** each while at
  • temporary locations
  • exhibitions, conferences and fairs
  • in transit or in or on a vehicle, including loading or unloading

*	Special Cause of Loss means the policy insures risks of direct physical loss to covered property, except as specifically excluded or limited in the policy.
**	Coverage may be increased for an additional charge.

• Accounts receivable – Special Causes of Loss* including flood and earthquake (up to $100,000)**
• Electronic data processing property – Covers hardware, software, manuals, duplicate data and peripheral equipment (up to $25,000).** Includes mechanical breakdown and electrical disturbances within 1,000 feet ($1,000 deductible). Covers EDP equipment in transit or off premises.
• Employee dishonesty - $25,000.**
• Money and securities – Pays for loss of money and securities on premises (up to $15,000)** and off premises (up to $5,000).**
• Newly acquired/constructed property – Buildings and business personal property are covered for 90 days (up to $1,000,000 and $500,000 respectively)
• Outdoor signs (on premises) – $10,000.**
• X-rays and valuable papers and records – Special Causes of Loss,* including flood and earthquake (up to $100,000).**

*	Special Cause of Loss means the policy insures risks of direct physical loss to covered property, except as specifically excluded or limited in the policy.
**	Coverage may be increased for an additional charge.

• Subject to Special Causes of Loss*
• Pays valued daily loss of income up to $500 per day (up to 30 days)**
• Pays excess over the valued daily loss for actual loss sustained that is documented (up to 12 consecutive months)
• Replaces lost rental income based on actual loss sustained (up to 12 consecutive months).
• Pays extra expenses necessary to continue operations, based on actual loss sustained (up to 12 consecutive months).
• Extended business income based on actual loss sustained (up to 12 consecutive months).

*	Special Cause of Loss means the policy insures risks of direct physical loss to covered property, except as specifically excluded or limited in the policy.
**	Coverage may be increased for an additional charge.

• Blanket Basket Endorsement – Provides a $150,000 blanket limit above the base limits for accounts receivable; data processing equipment; electronic data processing; property and media; debris removal; valuable papers and records;* water back-up of sewer, drains, septic systems or sump pumps.
• Equipment Breakdown Coverage – Includes medical equipment. Machinery and equipment coverage can be added to protect you from costly repairs and business interruptions due to a covered cause of loss to covered equipment.

*	Available in most states.