Apartment Buildings

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

Coverage Enhancement Endorsement

• Backup Sewers and Drains – $25,000
• 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
• Cyber Liability
• Employment Practices Liability
• And More