Product : Retail | What coverages are available?

PROPERTY

Contents limits from $25,000 to $2,000,000 per location 

Broad form coverage including Sewer Backup and Replacement Cost

Flood and Earthquake coverage available for optional purchase.

Property Coverage Extensions

Basic (Included)

• Temporary Locations: $25,000
• Property in Transit: $25,000
• Building Damage by Theft: $10,000
• Accounts Receivable: $25,000
• Extra Expense: $25,000
• Fire Department - Service Charge: $25,000
• Office Computers: $25,000
• Professional Fees: $25,000
• Signs: $10,000
• Valuable Papers: $25,000
• Glass: Included
• Electronic Data Processing Equipment Breakdown: $25,000

And more….

Enhanced (Optional) 

• Temporary Locations: $25,000
• Property in Transit: $25,000
• Building Damage by Theft: $10,000
• Accounts Receivable: $25,000
• Extra Expense: $25,000
• Fire Department - Service Charge: $25,000
• Office Computers: $25,000
• Professional Fees: $25,000
• Signs: $10,000
• Valuable Papers: $25,000
• Glass: Included
• Electronic Data Processing Equipment Breakdown: $25,000

And more….

Stock Spoilage

$100,000 for select retail stores

Business Interruption - Actual Loss Sustained (12 Months period)

Optional Coverages

Equipment Breakdown

Crime

Commercial General Liability (CGL)

Limits available from $1,000,000 to $5,000,000

Sublimits available under CGL: 

Tenants' legal liability limit 

$250,000 Included  

$500,000 Optional

Advertising Liability 

It will be included for the same limit as CGL. 

Employee Benefits Extension

$1,000,000 Included

Non-Owned Automobile

Available for select types of retail stores at same limit as CGL.

SEF 94, 96, 99 available

Forest Fire Fighting Expenses

$250,000 Included

$500,000 Optional

$1,000,000 Optional

Limited Pollution (120 h)

$250,000 Included

$500,000 Optional

$1,000,000 Optional

CGL Deductibles

Minimum $1,000 

Optional: $2,500,  $5,000,  $10,000