1.A BROAD PACKAGE OF PROPERTY AND LIABILITY COVERAGES, which provides the insurance protection needed by most garages.

2.The package is designed for many small and medium sized eligible garage businesses.

3. The PACKAGE CONCEPT eliminates the need for several policies, which will save you premium dollars.

4. "Risks of Direct Physical Loss" property coverage provides broad coverage for your business needs.

5. There are many optional coverages to further tailor the policy to your business needs.

6. A choice of "Replacement Cost" or "Actual Cash Value" on all eligible buildings.

7. Business Personal Property is valued on a "Replacement Cost" basis.

8. An "Amount of Insurance" discount.

9. An Inflation Guard provision that will automatically increase both your building and business personal property limits.

10. The addition of the Premier endorsement provides you with a variety of additional coverages for a single discounted premium.

OTHER COMMERCIAL POLICIES AVAILABLE THROUGH

COLUMBIA INSURANCE GROUP

	Commercial Auto
	Commercial Fire
	Commercial Liability
	Commercial Package Policies
	Commercial Umbrella
	Contractors Businessowners
	Retail Businessowners
	Workers Compensation

Property: Section I

1. Building (Including any scheduled, incidental and service buildings located on premises)
   

   	"Risks of direct physical loss" to the building and such items as completed additions, fixtures (including outdoor fixtures, fire extinguishing equipment, outdoor furniture, floor coverings, etc.).

2. Business Personal Property
   

   "Risks of direct physical loss" to the:
   	exterior building glass owned by your or in your care, custody or control - if you are a tenant;
   	includes an automatic increase feature that increases the business personal property coverage amount by a specific annual percentage;
   	leased business personal property for which you have a contractual responsibility to insure;
   	peak season provision which allows for seasonal variation in business personal property values;
   	property of others that is in your care, custody and control with few exceptions;
   	property owned that is used in your business;
   	tenants' improvements and betterments.

Optional Property Coverages Available For Additional Premium Cost

	Accounts Receivable - (additional limits available for purchase)
	Business Income - Provides an extension to the 30-day coverage period for additional business income
	Business Income - Ordinary payroll coverage provides an extension to the 60-day coverage period
	Business Income Changes - Specified time period
	Business Income from Dependent Properties - Increased limits
	Computer Fraud and Funds Transfer Fraud
	Earthquake - Limits noted on policy - Minimum 10% deductible
	Electronic Commerce (not available in all states)
	Electronic Data - Increased limits
	Employee Dishonesty
	Fire Department Service Charge - Increased limits
	Forgery and Alteration - Increased limits
	Garage Businessowners Premier Endorsement
	Glass - Scheduled glass for stained, lead and other specialty glass
	Interruption of Computer Operations - Increased limits and specialty glass
	Money and Securities -
	Available limits are: $2,000 inside/$1,000 outside or    $10,000 inside/$2,000 outside premises
	Outdoor Signs - limits noted on policy
	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 - choice of $5,000 or $10,000 limits

Extra Property Coverages Included In The Policy At No Additional Premium

We want you to receive the most coverage for your money. That's why we work with you and your agent to provide certain extensions of coverage at no extra cost to you. Some of those extra coverages are as follows:

	Accounts Receivable - $10,000 limit on premises/$5,000 limit off premises
	Business Income - you have coverage for loss of income for up to a 12 month period when caused by a covered cause of loss to the property
	Business Income From Dependent Properties - $5,000 limit
	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 collapse of a building
	Debris Removal - coverage automatically provides an additional amount of insurance up to $10,000 limit
	Electronic Data - provides coverage for the cost to replace or restore electronic data that has been destroyed by a covered cause of loss - $10,000 annual aggregate limit
	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
	Fungi, Wet Rot, Dry Rot, Bacteria - coverage 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...and the cost of post-remediation testing if indicated - limited coverage - $15,000 annual aggregate
	Glass Expenses - covers certain expenses that are incurred to board up openings or installing temporary plates of glass
	Increased Cost of Construction - $10,000 limit
	Interruption of Computer Operations - coverage for business income and extra expenses to apply to a loss from a suspension of operations due to destruction or corruption of electronic data by a covered cause of loss - $10,000 annual aggregate limit
	Mechanical, Electrical or Pressure Systems Breakdown
	Money Orders and Counterfeit Money - $1,000 limit
	Newly Acquired or Constructed Property - 30-day coverage with a $250,000 per building limit and with a $100,000 limit for business property on each location
	Outdoor Property - covers fences, antennas, signs, trees, shrubs, and plants - $2,500 limit/$500 on any one tree, shrub or plant
	Personal Effects - yours, your employees, partners, members and managers of LLC or officers - $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 or resulting from covered water or other liquid, powder or molten material damage loss

Coverage for your business premises/operations and business products/completed operations.
Available limits: $300,000 $500,000 $1,000,000 $2,000,000

	Employees are included as insureds
	Extended bodily injury
	Hired and non-owned auto liability
	Host Liquor Liability
	Limited contractual liability
	Limited worldwide liability
	Non-owned Watercraft (under 51 feet) Liability
	Personal and advertising injury
	Premises and operations
	Premises and Operations Medical payments limits of $5,000 per person
	Products and completed operations
	Property damage liability
	Tenants fire legal liability up to $50,000 limit (higher limits available)

	Additional insureds
	Broadened coverage for damage to premises rented to you
	Electronic data liability (not available in all states)
	Employee benefits liability (not available in all states)
	Employment-related practices liability
	Garagekeepers coverage (legal liability or direct basis)
	Tenants fire liability - increased limits
	Vehicular damage to leased property

This endorsement provides a number of additional and extensions of coverage at a reasonable and discounted premium.

This brochure contains only a general description of coverages and is not a statement of contract. All coverages are subject to the exclusions and conditions in this policy.