Apartments
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Apartment Buildings

Our Package Includes:

Building

  • Replacement Cost
  • Inflation Guard
  • Fences and Outbuildings

Business Personal Property

  • Replacement Cost

Loss of Income

  • Actual Loss Sustained up to 12 months

Liability

  • Business Liability and Medical Expenses
  • Fire Legal

Additional Coverages

  • Debris Removal - $10,000
  • Fire Department Service Charge - $1,000
  • Pollution Clean Up and Removal - $10,000
  • Forgery or Alterations - $2,500
  • Money Orders and Counterfeit Papers - $1,000 
  • Loss of Income Due to Action by Civil Authority - Actual Loss Sustained
  • Glass-temporary Plates or Board Up - Actual Loss
  • Fire Extinguisher Systems Recharge Expense - $5,000
  • Business Income from Dependent Properties - $5,000

Coverage Extensions

  • Newly Acquired or Constructed Property - $250,000
  • New Acquired Business Personal Property - $100,000
  • Personal Property off Premises - $5,000
  • Outdoor Property - $2,500
  • Personal Effects - $2,500
  • Valuable Papers and records - $10,000
  • Accounts Receivable - $10,000

Optional Coverages

Coverage Enhancement Endorsement

  • Backup Sewers and Drains - $10,000
  • Spoilage - $10,000
  • Customer Property - $5,000
  • Outdoor Signs - $5,000
  • Money and Securities - $5,000
  • Robbery and Safe Burglary - $5,000
  • Property in Transit - $5,000
  • Fire Department Service Charge - $5,000
  • Increased Cost of Construction - $150,000
  • Property of Others - $10,000
  • Valuable Papers - $25,000
  • Outdoor Property - $10,000

Equipment Breakdown

  • Mechanical Failure
  • Electrical Failure
  • Communication Equipment
  • Computer Equipment
  • Electrical Equipment
  • Refrigeration Equipment
  • Heating and Air Conditioning Equipment
  • Direct Physical Loss
  • Business Interruption and Extra Expense

Additional Optional Coverages

  • Non-owned and Hired Auto
  • Employee Dishonesty
  • Forgery and Alterations
  • Accounts Receivable
  • Detached Signs
  • Money and Securities
  • Valuable Papers
  • And More