Program Features

Property Coverage Features

  • All Risk Policy
  • Replacement Cost Coverage
  • Named Peril Coverage
  • Agreed-Amount Building Value
  • Loss of Rental Property Income / with or without extra Expenses
  • Equipment Breakdown coverage – (Covered equipment includes electrical, mechanical and pressure equipment for both residential and commerical property such as heating cooling and electrical systems)
  • Flexible Deductibles-$1,000, $2,500, $5,000 and $10,000

Additional Property Coverages:

  • Personal Property
  • Additional Living expense
  • Backup Sewers and Drains
  • Flood
  • Earthquake
  • Building ordinance
  • Inland Marine

General Liability Coverage Features

  • $1,000,000 per occurrence / $2,000,000 aggregate & $2,000,000 per occurrence / $4,000,000 aggregate
  • Bodily Injury, Property Damage and Personal & Advertising Injury
  • Fire Damage Legal Liability
  • Medical Expense Payments

Optional Liability coverages

  • CPL (comprehensive personal liability)
  • Water damage legal liability
  • Director and officers ( D&O)/Crime (Fidelity & Employee Dishonesty)
  • Hired and non-owned Automobile
  • Umbrella coverage from $1,000,000 to $200,000,000