Commercial Property

COVERAGE

Insurance Services Office (ISO) Coverage form with Public Entity Enhancements
Municipal and Public Risks Property Coverage is a unique form that offers extensive coverage extensions to protect against loss to buildings, contents and other types of public entity property.
  • Arson Reward ($10,000)
  • Building Ordinance or Law
    • Loss to Undamaged Portion of Building (Building Limit)
    • Demolition Cost Coverage ($100,000)
    • Increased Cost of Construction ($200,000)
  • Commandeered Property ($100,000)
  • Common Deductible Provision
  • Communications Equipment (included)
  • Crime Reward
    • Per Person ($1,000)
    • Maximum ($5,000)
  • Equipment Breakdown (Building Limit)
  • Extra Expense & Business Income (base limit)($100,000)
  • Fine Arts - Market Value ($50,000)
  • Fire Department Service Charge ($5,000)
  • Fire Equipment Recharge (included)
  • Foundations (included)
  • Glass (included)
  • Grounds Maintenance Equipment ($50,000)
  • Lock Replacement ($500)
  • Newly Acquired or Constructed Property
    • Building ($1,000,000)
    • Personal Property ($500,000)
  • Off Premises Utility Failure ($50,000)
  • Outdoor Property
    • Any one Tree, Shrub or Plant ($1,000)
    • Total Limit ($50,000)
  • Personal Effects and Property of Others
    • Any one Employee or Volunteer ($1,500)
    • Any One Occurrence ($50,000)
  • Pollutant Clean Up and Removal ($25,000)
  • Premises Boundary Increased Limit (1000 feet)
  • Property in Transit ($50,000)
  • Property Off-Premises ($50,000)
  • Spoilage ($10,000)