Carriers

• Great Lakes Reinsurance UK (A+15) - Property Coverage
• Tudor Insurance Company (A+7) - Liability Coverage

Property

• Replacement Cost coverage on all habitational buildings. 80% Coinsurance applies.
• Functional Replacement Cost on all outbuildings.
• Special Form Cause of Loss
• Ordinance or law and demolition cost / increased cost of construction up to $100,000
• Backup of sewer/drain
• Glass included in the building limit
• Signs attached to the building are included in the building limit
• Outdoor property up to $10,000
• Fire Department service charge ($5,000 with no deductible)

• Special Form Cause of Loss
• 80% Coinsurance
• Replacement Cost valuation
• Personal Property of others (i.e. renters) - $25,000
• Backup of sewer/drain
• Property off premise and in transit
• Spoilage
• Accounts Receivable up to $20,000
• Furs - $5,000 theft limit
• Jewelry, watches, precious stones & precious metals - $5,000 theft limit
• Fine art - Replacement Cost coverage. Scheduling available (appraisal required for scheduling)

• 80% Coinsurance applies
• Special Form Cause of Loss
• Extra expense included
• 90 day increased period of restoration
• Loss of use & additional living expense up to $50,000
• Alternate lodging for renters up to $25,000 ($100 per day, per renter and 14 day maximum)
• Off premise power failure, no distance limitation

• Limit of insurance is building limit with the following sub-limits:
  expediting expenses - $100,000
  computer equipment - $100,000
  hazardous substances - $50,000
  Food Spoilage - $50,000
  CFC Refrigerants - $25,000
  
• Steam boiler inspections available (additional cost applies)
• Property covered - electrical, mechanical, air conditioning, production equipment, electric arcing, heating boilers, pressure vessels, steam boilers & pipes, and refrigeration equipment

Liability

• Option 1
  Per Occurrence $100,000
  General Aggregate $250,000
  Products and Completed Operations aggregate $250,000
  Fire Damage $50,000
  Personal & Advertising Injury $100,000
  
  
• Option 2
  Per Occurrence $250,000
  General Aggregate $500,000
  Products and Completed Operations aggregate $500,000
  Fire Damage $50,000
  Personal & Advertising Injury $250,000
  
  
• Option 3
  Per Occurrence $500,000
  General Aggregate $1,000,000
  Products and Completed Operations aggregate $1,000,000
  Fire Damage $50,000
  Personal & Advertising Injury $500,000
  
  
• Option 4
  Per Occurrence $1,000,000
  General Aggregate $2,000,000
  Products and Completed Operations aggregate $2,000,000
  Fire Damage $50,000
  Personal & Advertising Injury $1,000,000
  
  

Personal liablity coverage is available for owners who permanently reside on the insured property.