Property

Building - Including any scheduled, incidental and service buildings located on premises. "Risks of direct physical loss" or a "named peril" to the building include such items as fixtures (including outdoor fixtures), fire extinguishing equipment, outdoor furniture, floor coverings, etc.

Business Personal Property

"Risks of direct physical loss" to the:

  • Property owned that is used in your business.
  • Tenant improvements and betterments.
  • Peak season provision, which allows for seasonal variation in business personal property values.
  • Leased personal property for which you have a contractual responsibility to insure.
  • Property of others that is in your care, custody and control. Please ask about the exceptions.

Extensions of Coverage Included at No Additional Cost

You want the most coverage for your money. That's why your agent is able to provide certain extensions of coverage at no extra cost to you:

  • Accounts Receivable - $10,000 limit on premises/$5,000 limit off premises.
  • Business Income - Coverage for loss of income for up to a 12-month period when the loss is caused by a covered cause of loss to the property.
  • Business Income From Dependent Properties - $5,000 limit. Additional limits available - ask your agent.
  • Business Personal Property Off Premises - $10,000 limit.
  • Civil Authority - Applies for up to three consecutive weeks after a 72-hour waiting period.
  • Collapse - Provides coverage caused by the collapse of a building. Not available on all policies.
  • Debris Removal - Coverage automatically provides an additional amount of insurance up to $10,000 limit.
  • Electronic Data - Coverage for the cost to replace or
    restore electronic data that has been destroyed or corrupted by a covered cause of loss.
  • Extended Business Income - Subject to a 30-day limitation.
  • Extra Expense - Covers extra expenses incurred to minimize the suspension of business for up to 12 months following the loss.
  • Fire Department Service Charge - Pays up to $2,500 for your liability for fire department service charges.
  • Fire Extinguisher Systems Recharge Expense - $5,000 limit.
  • Forgery and Alteration - $2,500 limit. Additional limits available for purchase.
  • Fungi, Wet Rot, Dry Rot and Bacteria - Provides limited property damage coverage, which includes the cost of tearing out and replacing any part of the building or other property to gain access to the fungi, wet rot, dry rot and bacteria. It also includes the cost of post-remediation testing if indicated. Limited coverage, a $15,000 annual aggregate.
  • Glass Expenses - Covers certain expenses that are incurred to board up openings or install temporary plates of glass.
  • Increased Cost of Construction - $10,000 limit.
  • Interruption of Computer Operations Coverage for business income and extra expenses may be extended to apply to loss sustained in a suspension of operations due to destruction or corruption of electronic data by a covered cause of loss. This coverage is subject to a $10,000 annual aggregate limit of insurance.
  • Mechanical, Electrical or Pressure Systems Breakdown.
  • Money Orders and Counterfeit Paper Currency - $1,000 limit.
  • Money and Securities Coverage - $2,000 on premises and $1,000 off premises. Not available on all policies.
  • Newly Acquired or Constructed Property - 30-day coverage with a $250,000 per building limit and with a $100,000 for business property.
  • Outdoor Property - Covers fences, antennas, signs, trees, shrubs, and plants. A $2,500 limit/$500 on any one tree, shrub or plant.
  • Personal Effects - Of the insured, the insured's employees, partners, members and managers of LLC or officers are covered up to a $2,500 limit.
  • Pollutant Clean-Up and Removal - $10,000 limit.
  • Preservation of Property - If property is moved to preserve it from loss, property is covered for 30 days after it is first moved.
  • Valuable Papers and Records - $10,000 limit on premises/$5,000 limit off premises. Additional limits available for purchase.
  • Water Damage, Other Liquids, Powder or Molten Material Damage - Covers loss or damage caused by covered water or other liquid, powder or molten material damage loss. Not available on all policies.

Optional Coverage at an Additional Cost

  • Accounts Receivable - Increased limits.
  • Burglary & Robbery - $5,000 on and $2,000 off premises. Not available on all policies.
  • Business Income Changes - Specified time period.
  • Business Income from Dependent Properties - Increased limits.
  • Business Income - Ordinary payroll coverage provides an extension to the 60-day coverage period.
  • Business Income - Provides an extension to the 30-day coverage period for additional business income.
  • Businessowners Premier Endorsement - Not available on all policies.
  • Computer Fraud & Funds Transfer Fraud.
  • Earthquake - Limits noted on policy. Minimum 10% deductible.
  • Electronic Commerce & Electronic Data - Increased limits.
  • Employee Dishonesty; Fire Department Service Charge - Increased limits.
  • Food Contamination.
  • Forgery and Alteration - Increased limits.
  • Glass - Scheduled glass for stained and specialty glass.
  • Golf Course Endorsement./li>
  • Inland Marine Coverage - Animal floater.
  • Interruption of Computer Operations - Increased limits.
  • Money and Securities - Increased limits. Not available on all policies.
  • Named Perils.
  • Outdoor Signs - Limits noted on policy.
  • Spoilage Coverage - Increased limits.
  • Tools and Equipment.
  • Utility Services - Direct damage and time element coverage for water, communications supply and power supply services. Valuable Papers and Records - Increased limits. Water Back-Up and Sump Overflow - A choice of $5,000 or $10,000 limits.
Columbia Insurance Group
Columbia Insurance Group
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