Includes total values reported
for buildings, contents, EDP equipment, mobile equipment
and other optional coverages such as fine arts, etc.
Rating
Composite rate
Coinsurance
None/Replacement Cost
Deductibles
Varies: $1,000 Minimum
Earthquake: $25,000
Flood: $25,000 (Zones other than A and V)
Named Storm: Minimum Shared Deductible of $1,000,000 per occurrence for all members of the County Reinsurance Limited Property Pool experiencing loss
Equipment Breakdown (Boiler & Machinery)
Physical Damage
$10,000,000 max
Spoilage
$100,000
Service Interruption
$1,000,000
Business Interruption
Included
Extra Expense
$500,000
Expediting Expense
$100,000
Hazardous Substance
$100,000
Ammonia Contamination
$100,000
Data & Media
$1,000,000
CFC Refrigerants
$100,000
Computer Equipment
Included
Real & Personal
Property
Buildings
Total Reported Values
Contents
Total Reported Values
Fences
Total Reported Values
Communication Towers
Total Reported Values
Law Enforcement
Total Reported Values
Dogs/Horses
EDP Equipment
Total Reported Values
Optional Coverages
Subject to Sublimits
Mobile Equipment
Total Reported Values
Fine Arts
Total Reported Values
Personal Effects
Total Reported Values
Automatic Coverages
Subject to Sublimits
Accounts Receivable
$250,000 or as specifically scheduled
Valuable Papers, Records &
EDP Media
$100,000 or as specifically scheduled
Gross Earnings & Extra Expense
$500,000 or as specifically scheduled
Rental Income
$500,000 or as specifically scheduled
Automatic Coverage -
90-Day Limitation
Newly Acquired Locations $1,500,000
Direct Contingent Business Interruption/Contingent Extra Expense (Excluding Earthquake and Flood)
$100,000
Debris Removal
$500,000
Decontamination Costs
$100,000
Error & Omissions
$500,000
Expediting Expense
$100,000
Garagekeeper's Legal Liability
$25,000 (or as scheduled up to $250,000)
Interruption by Civil Authority
$1,000,000
Land & Water Pollutant Cleanup/Removal
$100,000
Leasehold Interest
$250,000
Miscellaneous Unnamed Locations
$1,000,000
Professional Fees
$100,000
Property in Course of Construction & Soft Costs
$500,000 or as scheduled
Off Premises Power/Service Interruption
$250,000
Temporary Removal
Included
Transit (PD & TE Combined)
$500,000
Flood (Limit
is per occurrence and annual aggregate)
Locations in Flood Zones A and V
as classified by National Flood Insurance Program
Limited Coverage - subject to Shared Reinsurance Limit and applicable deductibles
Locations where no flood zone has been designated by the Federal Emergency Management Agency
Subject to Shared Reinsurance Limit each occurrence and annual aggregate
All other scheduled locations
Annual Aggregate Limit of $5,000,000 and subject to deductible
Earthquake (Limit
is per occurrence and annual aggregate)
All scheduled locations
Annual Aggregate $100,000,000/Shared Reinsurance Limit with other members of TAC Property Program experiencing loss
Terrorism *
Limit of Liability
Any one loss and Aggregate Limit of Liability to ALL Pool Members involved in any one loss covered by the Terrorism Extension: $5,000,000
Aggregate Limit of Liability
Any one Agreement Year to ALL Pool Members combined regardless of the number of losses covered by the Terrorism Extension: $10,000,000
* All acts of terrorism occurring within a 72-hour period shall be considered one loss.
This form is intended to provide highlights of coverage and is
not a coverage document. Please refer to the coverage document
for complete details of coverage including definitions, exclusions
and other terms and conditions.
