Business Owner's Advantage - a better coverage experience
华体会's Business Owner's Advantage, our BOP offering, provides a way for you to tailor a plan for your small business customers' specific needs. With minimum premiums as low as $250, monoline options and simplified endorsements, you'll be able to bring valuable customization to your customers.
Hanover Business Owner's Advantage offers:
Pricing flexibility
- Account credit up to 5% when workers鈥� compensation or umbrella is written with a Business Owner's Advantage policy.
- Early quote credit up to 7% for quotes entered up to 30 days in advance of effective date*.
- Lower minimum premiums to enable you to be more competitive.
Simplified endorsements
- Five general broadening endorsement options add over 45 enhanced coverages
- 10 industry specific endorsements that can be added to general endorsements
- Amendable limits on more than 30 coverages
- Over 600 classes available for online quoting
*Not available in all states.
华体会 is committed to partnering with agents to deliver flexible solutions that best fit the needs of small commercial customers. One way we have done it is by building a better BOP. Our Business Owner鈥檚 Advantage offering provides expanded coverage that can be added to give you the peace of mind knowing your business is well protected. Review the chart below to determine which endorsement option is right for your business.*
- BOP endorsement options
-
Coverage
Business Owner's Advantage standard endorsement
(Form 821-0001)
Bronze broadening endorsement
(Form 821-0002)
Silver broadening endorsement
(Form 821-0003)
Gold broadening endorsement
(Form 821-0004)
Platinum broadening endorsement
(Form 821-0005)
Property coverages Accounts receivable $25,000 Included in $200,000 blanket Included in $300,000 blanket Included in $400,000 blanket Included in $500,000 blanket Advertising expense to regain customers n/a $1,000 $2,500 $2,500 $2,500 Appurtenant structures $50,000 $50,000 $50,000 $50,000 $50,000 Backup or overflow of sewers, drains or sump n/a Included in $200,000 blanket Included in $300,000 blanket Included in $400,000 blanket Included in $500,000 blanket Brands and labels n/a Included Included Included Included Broadened building coverage Included Included Included Included Included Broadened business personal property Included Included Included Included Included Building limit increase Included Included Included Included Included Business income Actual loss sustained Actual loss sustained Actual loss sustained Actual loss sustained Actual loss sustained Business income and extra expense鈥� cloud services n/a $2,500 $2,500 $2,500 $2,500 Business income and extra expense鈥� dependent properties $5,000 $100,000 $100,000 $100,000 $100,000 Business income and extra expense鈥� lease cancellation n/a $5,000 $10,000 $10,000 $10,000 Business income and extra expense鈥� transit n/a $100,000 $100,000 $100,000 $100,000 Business income and extra expense鈥� websites n/a $10,000/7 days $50,000/7 days $50,000/7 days $50,000/7 days Business personal property off premises (including in transit) $50,000 $50,000 $100,000 $100,000 included Business personal property temporarily in portable storage units $25,000 $25,000 $25,000 $25,000 $25,000 Civil authority 4 weeks / 72-hour waiting period 4 weeks / 72-hour waiting period 4 weeks / 72-hour waiting period 4 weeks / 72-hour waiting period 4 weeks / 72-hour waiting period Collapse Included Included Included Included Included Commercial tools and equipment $5,000
$2,500 theft limit per item of 鈥渃ommercial tools and equipment鈥� when away from described premises
$5,000
$2,500 theft limit per item of 鈥渃ommercial tools and equipment鈥� when away from described premises
$5,000
$2,500 theft limit per item of 鈥渃ommercial tools and equipment鈥� when away from described premises
$5,000
$2,500 theft limit per item of 鈥渃ommercial tools and equipment鈥� when away from described premises
$5,000
$2,500 theft limit per item of 鈥渃ommercial tools and equipment鈥� when away from described premises
Computer and funds transfer fraud $5,000 $10,000 $10,000 $10,000 $10,000 Consequential loss to stock n/a Included Included Included Included Contract penalties n/a $25,000 $25,000 $25,000 $25,000 Debris removal Included Included in $200,000 blanket Included in $300,000 blanket Included in $400,000 blanket Included in $500,000 blanket Deferred payments $5,000 $10,000 $15,000 $20,000 $25,000 Denial of access to premises n/a 30 days
72-hour waiting period
30 days
72-hour waiting period
30 days
72-hour waiting period
30 days
72-hour waiting period
E-commerce (electronic vandalism and interruption of computer operations) $20,000 $20,000 $20,000 $25,000 $25,000 Electronic data processing equipment (business income and extra expense and undamaged hardware and software) $35,000
Includes additional $10,000 for undamaged hardware and software
Included in $200,000 blanket
Includes additional $10,000 for undamaged hardware and software
Included in $300,000 blanket
Includes additional $10,000 for undamaged hardware and software
Included in $400,000 blanket
Includes additional $10,000 for undamaged hardware and software
Included in $500,000 blanket
Includes additional $10,000 for undamaged hardware and software
Employee theft including ERISA compliance $10,000 $10,000 $50,000 $50,000 $100,000 Equipment breakdown Included Included Included Included Included Equipment breakdown鈥� data restoration $50,000 $50,000 $50,000 $50,000 $50,000 Equipment breakdown鈥� expediting expenses $50,000 $50,000 $50,000 $50,000 $50,000 Equipment breakdown鈥� fungi, wet rot or dry rot, bacteria $15,000 $15,000 $15,000 $15,000 $15,000 Equipment breakdown鈥� hazardous substances $50,000 $50,000 $50,000 $50,000 $50,000 Equipment breakdown鈥� spoilage $50,000 $50,000 $50,000 $50,000 $50,000 Equipment breakdown鈥� personal property off premises $50,000 $50,000 $50,000 $50,000 $50,000 Equipment breakdown鈥� public relations $5,000 $5,000 $5,000 $5,000 $5,000 Equipment breakdown鈥� utility services Applicable limit of insurance for business income, extra expense, data restoration or spoilage Applicable limit of insurance for business income, extra expense, data restoration or spoilage Applicable limit of insurance for business income, extra expense, data restoration or spoilage Applicable limit of insurance for business income, extra expense, data restoration or spoilage Applicable limit of insurance for business income, extra expense, data restoration or spoilage Expediting expenses n/a $25,000 $25,000 $25,000 $25,000 Extended business income 60 days 60 days 60 days 60 days 60 days Extended coverage on property 鈥� within 2,000 feet Included Included Included Included Included Extra expense 12 months 12 months 12 months 12 months 12 months Fine arts $10,000 $50,000 $50,000 $50,000 $100,000 Fire department service charge $25,000 Included in $200,000 blanket Included in $300,000 blanket Included in $400,000 blanket Included in $500,000 blanket Fire protection equipment recharge $25,000 $25,000 Included Included Included Forgery or alteration $25,000 $50,000 $50,000 $50,000 $50,000 Foundations and underground pipes Included Included Included Included Included Glass expenses Included Included Included Included Included Hired auto 鈥� physical damage n/a $50,000 $50,000 $50,000 $50,000 Installation $5,000 $5,000 $5,000 $5,000 $5,000 International air shipments n/a $5,000 $10,000 $10,000 $10,000 Inventory and loss appraisal $10,000 $25,000 $25,000 $25,000 $25,000 Key replacement and lock repair $1,000 Included in $200,000 blanket Included in $300,000 blanket Included in $400,000 blanket Included in $500,000 blanket Lease assessment n/a $1,000 $1,500 $2,000 $2,500 Leasehold interest $10,000 $10,000 $25,000 $25,000 $25,000 Lessor鈥檚 tenant move expenses n/a $10,000/60 days $10,000/60 days $10,000/60 days $10,000/60 days Marring and scratching n/a Included Included Included Included Money and securities $10,000 $10,000 $15,000 $20,000 $25,000 Money orders and counterfeit money $5,000 $10,000 $25,000 $25,000 $25,000 Newly acquired or constructed property 180 days 180 days 180 days 180 days 180 days Newly acquired or constructed property 鈥� building $1,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000 Newly acquired or constructed property鈥� business income and extra expense $250,000 $500,000 $500,000 $500,000 $500,000 Newly acquired or constructed property鈥� business personal property $500,000 $500,000 $500,000 $500,000 $500,000 Non-owned detached trailers Included Included Included Included Included Ordinance or law 鈥� loss to undamaged portion of building Included Included Included Included Included Ordinance or law 鈥� demolition cost coverage and increased cost of construction coverage $10,000 or 5% of building limit of insurance, whichever is less $25,000 $50,000 $50,000 $50,000 Ordinance or law 鈥� increased period of restoration n/a $10,000 $10,000 $10,000 $10,000 Ordinance or law 鈥� tenants improvement extension n/a $25,000 $25,000 $50,000 $50,000 Outdoor property $10,000
$1,000 for any one tree, shrub or plant
$25,000
$2,500 for any one tree, shrub or plant
$25,000
$2,500 for any one tree, shrub or plant
$25,000
$2,500 for any one tree, shrub or plant
$25,000
$2,500 for any one tree, shrub or plant
Personal effects and property of others $10,000 Included in $200,000 blanket limit
Replacement cost
Included in $300,000 blanket limit
Replacement cost
Included in $400,000 blanket limit
Replacement cost
Included in $500,000 blanket limit
Replacement cost
Pollutant cleanup and removal $25,000 per location $25,000 per location $25,000 per location $25,000 per location $25,000 per location Portable electronic devices coverage worldwide n/a $10,000 $25,000 $25,000 $25,000 Preservation of property 90 days 90 days 90 days 90 days 90 days Preservation of property 鈥� expense n/a $25,000 $25,000 $25,000 $25,000 Rewards $10,000 $10,000 $10,000 $10,000 $30,000 Sales representative sample $5,000 $25,000 $25,000 $25,000 $25,000 Soft costs n/a $10,000 $10,000 $10,000 $10,000 Spoilage n/a $5,000 $25,000 $25,000 $25,000 Temporary relocation of property n/a $25,000 $50,000 $50,000 $50,000 Tenant building insurance $25,000 $25,000 $50,000 $50,000 Included Tenant insurance 鈥� landlord's personal property $25,000 $25,000 $25,000 $25,000 $25,000 Tenant signs $5,000 $25,000 $25,000 $25,000 Included Theft damage to building Included Included Included Included Included Theft of telephonic service $25,000 $25,000 $25,000 $25,000 $25,000 Theft payment changes $10,000 for furs
$10,000 for jewelry and the like
$10,000 for precious metals
$10,000 for furs
$10,000 for jewelry and the like
$25,000 for precious metals
$10,000 for furs
$10,000 for jewelry and the like
$25,000 for precious metals
$10,000 for furs
$10,000 for jewelry and the like
$50,000 for precious metals
$10,000 for furs
$10,000 for jewelry and the like
$50,000 for precious metals
Unauthorized business credit card use $5,000 $5,000 $5,000 $10,000 $10,000 Undamaged tenants improvements and betterments n/a $5,000 $10,000 $25,000 $50,000 Underground water seepage n/a $100,000 $100,000 $100,000 Included Utility services 鈥� business income and extra expense $5,000 $25,000 $25,000 $50,000 $50,000 Utility services 鈥� direct damage $10,000 $50,000 $50,000 $50,000 Included Valuable papers and records $25,000 Included in $200,000 blanket Included in $300,000 blanket Included in $400,000 blanket Included in $500,000 blanket Voluntary parting n/a $5,000 $10,000 $25,000 $50,000 Water damage, other liquids, powder or molten material damage Included Included Included Included Included Windblown debris n/a $2,500 $5,000 $10,000 $10,000 Worldwide business personal property off premises n/a $50,000 $50,000 $50,000 $50,000 Coverage Standard Bronze Silver Gold Platinum General liability coverages Aggregate limits of insurance per location Included Included Included Included Included Alienated premises Included Included Included Included Included Additional insured by contract, agreement or permit with completed operations and primary and noncontributory Included Included Included Included Included Automatic additional insured provisions including primary and non-contributory for broad form vendors, co-owner insured premises, controlling interest, mortgagee, assignee, or receiver, grantor of franchise, lessor of leased equipment, manager or lessor of premises Included Included Included Included Included Blanket waiver of subrogation Included Included Included Included Included Broad form property damage 鈥� borrowed equipment, customers鈥� goods, use of elevators Included Included Included Included Included Damage to premises rented to you $1,000,000 or policy aggregate limit if less than $1,000,000 $1,000,000 or policy aggregate limit if less than $1,000,000 $1,000,000 or policy aggregate limit if less than $1,000,000 $1,000,000 or policy aggregate limit if less than $1,000,000 $1,000,000 or policy aggregate limit if less than $1,000,000 Incidental malpractice 鈥� employed nurses, EMTs and paramedics
(not applicable to businesses whose primary service includes providing medical or nursing services)
Included Included Included Included Included Medical expenses $5,000 $5,000 $5,000 $5,000 $5,000 Medical expenses 鈥� three years to report Included Included Included Included Included Newly acquired or formed organizations up to 180 days Included Included Included Included Included Personal and advertising injury 鈥� broad form to include contractual liability and discrimination Included Included Included Included Included Product recall expense $25,000 per occurrence
$50,000 aggregate
$25,000 per occurrence
$50,000 aggregate
$25,000 per occurrence
$50,000 aggregate
$25,000 per occurrence
$50,000 aggregate
$25,000 per occurrence
$50,000 aggregate
Supplementary payments 鈥� bail bonds $2,500 $2,500 $2,500 $2,500 $2,500 Supplementary payments 鈥� loss of earnings $500 per day $500 per day $500 per day $500 per day $500 per day Unintentional failure to disclose hazards Included Included Included Included Included Unintentional failure to notify/knowledge of an occurrence Included Included Included Included Included
*Business Owner's Advantage is not available in FL.
Hanover's Business Owner's Advantage industry-specific endorsements include additional coverage options for each industry. The industry-specific endorsements are combined with a general endorsement for small businesses to expand their coverage.*
In addition to the options below, we offer expanded coverage for condominiums, accountants, restaurants, and wholesalers - all available to quote online.
- Architects and engineers
-
Architects & Engineers Gold
821-0086 (12/18)
Architects & Engineers Platinum
821-0007 (12/18)
Property coverage
Business income 鈥� billable hours option
$25,000
$25,000
Catastrophe allowance
$2,500
$10,000
Commercial tools and equipment 鈥� amended definition
Amended definition
Amended definition
Commercial tools and equipment 鈥� rental reimbursement
$1,000
$5,000
Commercial tools and equipment 鈥� waterborne and underground
Includes waterborne and underground tools and equipment
Includes waterborne and underground tools and equipment
Covered property 鈥� amended business personal property definition
Amended definition
Amended definition
Employee theft deductible change
$500 deductible
$500 deductible
Identity theft expense reimbursement
$5,000 per occurrence
$15,000 per pay period
$5,000 per occurrence
$15,000 per pay period
Ordinance or law 鈥� demolition cost/increased cost of construction
$500,000
$500,000
Ordinance or law 鈥� increased period of restoration
$50,000
$50,000
Telephone interruption
$2,500
$10,000
Utility services 鈥� overhead transmission lines
Includes overhead transmission lines
Includes overhead transmission lines
Liability coverage
Additional insured by contract, agreement or permit 鈥� amended
Included
Included
Aggregate limit of insurance (per project)
Included
Included
Non-owned watercraft
75 feet
75 feet
Who is an injured 鈥� unnamed joint venture
Included
Included
- Contractors
-
Property coverage
Contractors
821-0017 (12/18)
Commercial tools and small equipment
$50,000 per occurrence
$10,000 per item
Commercial tools and equipment - rental reimbursement
$10,000
Employee commercial tools and equipment
$100 per item 鈥� off premises
$500 per employee 鈥� off premises
Installation
$25,000
Theft of customer's property
$10,000
- Law offices
-
Property coverage
Lawyers
821-0009 (12/18)
Business income 鈥� per diem option
$800 per day aggregate
$400 per day per attorney
$100 per day per paralegal
15-day limit
Library $50,000
- Medical and dental
-
Property coverage
Medical & Dental Office Gold
821-0069 (12/18)
Medical & Dental Office Platinum
821-0010 (12/18)
Business income 鈥� per diem option $800 per day aggregate
$400 per day per physician
$100 per day per nurse practitioner
15-day limit
$800 per day aggregate
$400 per day per physician
$100 per day per nurse practitioner
15-day limit
Business income and extra expense 鈥� potable water $1,000 per day 15 days
$2,000 per day 15 days
Extended business income 365 days (includes rental value)
365 days (includes rental value)
Medical and dental tools and equipment
$15,000
$25,000
Medical hazardous waste and radioactive contamination cleanup
$25,000 per occurrence
$25,000 per policy period
$25,000 per occurrence
$25,000 per policy period
Spoilage
$75,000
$75,000
Valuable papers and records 鈥� amended definition
Amended definition
Amended definition - Pet services
-
Property coverage
Veterinarians, kennels and groomers
821-0024 (12/18)
Pet services Gold
821-0089 (12/18)
Pet services Platinum
821-0012 (12/18)
Advertising expense for animals
$250 per occurrence
$500 per policy period
n/a
n/a
Animal damage to property Included $5,000 Included Animal disposer n/a $5,000 per occurrence
$1,000 per animal
$5,000 per occurrence
$1,000 per animal
Animal floater $25,000 per occurrence
$2,500 per animal
n/a n/a Business income and extra expense 鈥� potable water $2,000 per day
15 days
n/a n/a Business income and extra expense from dependent properties n/a $125,000 $500,000 Business personal property increase 2% quarterly n/a n/a Expanded building definition Included n/a n/a Extended business income n/a 365 days (includes rental value) 365 days (includes rental value) Medical hazardous waste and radioactive contamination cleanup n/a $10,000 per occurrence
$10,000 per policy period
$10,000 per occurrence
$10,000 per policy period
Medical tools and equipment n/a $10,000 $25,000 Ordinance or law 鈥� increased period of restoration n/a $15,000 $25,000 Preservation of property 鈥� animal expense n/a $5,000 $25,000 Spoilage n/a $25,000
$1,000 in or on automobiles
$75,000
$10,000 in or on automobiles
Uncollectible charges $250 per occurrence
$2,500 per policy period
n/a n/a Utility services 鈥� overhead transmission lines n/a Includes overhead transmission lines Includes overhead transmission lines Valuable papers and records 鈥� amended definition n/a Amended definition Amended definition - Technology
-
Property coverage
Technology Silver
821-0085 (12/18)
Technology Gold
821-0084 (12/18)
Technology Platinum
821-0006 (12/18)
Business income 鈥� per diem option $1,000 per day aggregate
$500 per day per technology professional
15-day limit
$1,000 per day aggregate
$500 per day per technology professional
15-day limit
$1,000 per day aggregate
$500 per day per technology professional
15-day limit
Catastrophe allowance $5,000 $10,000 $25,000 Commercial tools and small equipment n/a
n/a
$25,000
Employee tools and work clothing $10,000
$2,500 per item
$25,000
$2,500 per item
$25,000
$2,500 per item
Extended business income 180 days (includes rental value) 180 days (includes rental value) 180 days (includes rental value) Installation $25,000 $25,000
$50,000
Newly acquired or constructed property鈥� building $525,000 for BPP $525,000 for BPP $1,000,000 for BPP Newly acquired or constructed property鈥� business income and extra expense $525,000 for BPP $525,000 for BPP $1,000,000 for BPP Newly acquired or constructed property鈥� business personal property $525,000 for BPP $525,000 for BPP $1,000,000 for BPP Ordinance or law 鈥� increased period of restoration $25,000 $100,000 $100,000 Unnamed locations 鈥� business income and extra expense $50,000 aggregate
$10,000 per occurrence
$50,000 aggregate
$10,000 per occurrence
$50,000 aggregate
$10,000 per occurrence
Unnamed locations 鈥� business personal property $25,000 aggregate
$5,000 per occurrence
$25,000 aggregate
$5,000 per occurrence
$25,000 aggregate
$10,000 per occurrence
Utility services 鈥� overhead transmission lines Includes overhead transmission lines Includes overhead transmission lines Includes overhead transmission lines
*Business Owner's Advantage is not available in FL.
华体会 is committed to partnering with agents to deliver flexible solutions that best fit the needs of small commercial customers. One way we have done it is by building a better BOP. Our Business Owner鈥檚 Advantage offering provides expanded coverage that can be added to give you the peace of mind knowing your business is well protected. Review the chart below to determine which endorsement option is right for your business.*
- BOP endorsement options
-
Coverage
Business Owner's Advantage standard endorsement
(Form 821-0001)
Bronze broadening endorsement
(Form 821-0002)
Silver broadening endorsement
(Form 821-0003)
Gold broadening endorsement
(Form 821-0004)
Platinum broadening endorsement
(Form 821-0005)
Property coverages Accounts receivable $25,000 Included in $200,000 blanket Included in $300,000 blanket Included in $400,000 blanket Included in $500,000 blanket Advertising expense to regain customers n/a $1,000 $2,500 $2,500 $2,500 Appurtenant structures $50,000 $50,000 $50,000 $50,000 $50,000 Backup or overflow of sewers, drains or sump n/a Included in $200,000 blanket Included in $300,000 blanket Included in $400,000 blanket Included in $500,000 blanket Brands and labels n/a Included Included Included Included Broadened building coverage Included Included Included Included Included Broadened business personal property Included Included Included Included Included Building limit increase Included Included Included Included Included Business income Actual loss sustained Actual loss sustained Actual loss sustained Actual loss sustained Actual loss sustained Business income and extra expense鈥� cloud services n/a $2,500 $2,500 $2,500 $2,500 Business income and extra expense鈥� dependent properties $5,000 $100,000 $100,000 $100,000 $100,000 Business income and extra expense鈥� lease cancellation n/a $5,000 $10,000 $10,000 $10,000 Business income and extra expense鈥� transit n/a $100,000 $100,000 $100,000 $100,000 Business income and extra expense鈥� websites n/a $10,000/7 days $50,000/7 days $50,000/7 days $50,000/7 days Business personal property off premises (including in transit) $50,000 $50,000 $100,000 $100,000 included Business personal property temporarily in portable storage units $25,000 $25,000 $25,000 $25,000 $25,000 Civil authority 4 weeks / 72-hour waiting period 4 weeks / 72-hour waiting period 4 weeks / 72-hour waiting period 4 weeks / 72-hour waiting period 4 weeks / 72-hour waiting period Collapse Included Included Included Included Included Commercial tools and equipment $5,000
$2,500 theft limit per item of 鈥渃ommercial tools and equipment鈥� when away from described premises
$5,000
$2,500 theft limit per item of 鈥渃ommercial tools and equipment鈥� when away from described premises
$5,000
$2,500 theft limit per item of 鈥渃ommercial tools and equipment鈥� when away from described premises
$5,000
$2,500 theft limit per item of 鈥渃ommercial tools and equipment鈥� when away from described premises
$5,000
$2,500 theft limit per item of 鈥渃ommercial tools and equipment鈥� when away from described premises
Computer and funds transfer fraud $5,000 $10,000 $10,000 $10,000 $10,000 Consequential loss to stock n/a Included Included Included Included Contract penalties n/a $25,000 $25,000 $25,000 $25,000 Debris removal Included Included in $200,000 blanket Included in $300,000 blanket Included in $400,000 blanket Included in $500,000 blanket Deferred payments $5,000 $10,000 $15,000 $20,000 $25,000 Denial of access to premises n/a 30 days
72-hour waiting period
30 days
72-hour waiting period
30 days
72-hour waiting period
30 days
72-hour waiting period
E-commerce (electronic vandalism and interruption of computer operations) $20,000 $20,000 $20,000 $25,000 $25,000 Electronic data processing equipment (business income and extra expense and undamaged hardware and software) $35,000
Includes additional $10,000 for undamaged hardware and software
Included in $200,000 blanket
Includes additional $10,000 for undamaged hardware and software
Included in $300,000 blanket
Includes additional $10,000 for undamaged hardware and software
Included in $400,000 blanket
Includes additional $10,000 for undamaged hardware and software
Included in $500,000 blanket
Includes additional $10,000 for undamaged hardware and software
Employee theft including ERISA compliance $10,000 $10,000 $50,000 $50,000 $100,000 Equipment breakdown Included Included Included Included Included Equipment breakdown鈥� data restoration $50,000 $50,000 $50,000 $50,000 $50,000 Equipment breakdown鈥� expediting expenses $50,000 $50,000 $50,000 $50,000 $50,000 Equipment breakdown鈥� fungi, wet rot or dry rot, bacteria $15,000 $15,000 $15,000 $15,000 $15,000 Equipment breakdown鈥� hazardous substances $50,000 $50,000 $50,000 $50,000 $50,000 Equipment breakdown鈥� spoilage $50,000 $50,000 $50,000 $50,000 $50,000 Equipment breakdown鈥� personal property off premises $50,000 $50,000 $50,000 $50,000 $50,000 Equipment breakdown鈥� public relations $5,000 $5,000 $5,000 $5,000 $5,000 Equipment breakdown鈥� utility services Applicable limit of insurance for business income, extra expense, data restoration or spoilage Applicable limit of insurance for business income, extra expense, data restoration or spoilage Applicable limit of insurance for business income, extra expense, data restoration or spoilage Applicable limit of insurance for business income, extra expense, data restoration or spoilage Applicable limit of insurance for business income, extra expense, data restoration or spoilage Expediting expenses n/a $25,000 $25,000 $25,000 $25,000 Extended business income 60 days 60 days 60 days 60 days 60 days Extended coverage on property 鈥� within 2,000 feet Included Included Included Included Included Extra expense 12 months 12 months 12 months 12 months 12 months Fine arts $10,000 $50,000 $50,000 $50,000 $100,000 Fire department service charge $25,000 Included in $200,000 blanket Included in $300,000 blanket Included in $400,000 blanket Included in $500,000 blanket Fire protection equipment recharge $25,000 $25,000 Included Included Included Forgery or alteration $25,000 $50,000 $50,000 $50,000 $50,000 Foundations and underground pipes Included Included Included Included Included Glass expenses Included Included Included Included Included Hired auto 鈥� physical damage n/a $50,000 $50,000 $50,000 $50,000 Installation $5,000 $5,000 $5,000 $5,000 $5,000 International air shipments n/a $5,000 $10,000 $10,000 $10,000 Inventory and loss appraisal $10,000 $25,000 $25,000 $25,000 $25,000 Key replacement and lock repair $1,000 Included in $200,000 blanket Included in $300,000 blanket Included in $400,000 blanket Included in $500,000 blanket Lease assessment n/a $1,000 $1,500 $2,000 $2,500 Leasehold interest $10,000 $10,000 $25,000 $25,000 $25,000 Lessor鈥檚 tenant move expenses n/a $10,000/60 days $10,000/60 days $10,000/60 days $10,000/60 days Marring and scratching n/a Included Included Included Included Money and securities $10,000 $10,000 $15,000 $20,000 $25,000 Money orders and counterfeit money $5,000 $10,000 $25,000 $25,000 $25,000 Newly acquired or constructed property 180 days 180 days 180 days 180 days 180 days Newly acquired or constructed property 鈥� building $1,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000 Newly acquired or constructed property鈥� business income and extra expense $250,000 $500,000 $500,000 $500,000 $500,000 Newly acquired or constructed property鈥� business personal property $500,000 $500,000 $500,000 $500,000 $500,000 Non-owned detached trailers Included Included Included Included Included Ordinance or law 鈥� loss to undamaged portion of building Included Included Included Included Included Ordinance or law 鈥� demolition cost coverage and increased cost of construction coverage $10,000 or 5% of building limit of insurance, whichever is less $25,000 $50,000 $50,000 $50,000 Ordinance or law 鈥� increased period of restoration n/a $10,000 $10,000 $10,000 $10,000 Ordinance or law 鈥� tenants improvement extension n/a $25,000 $25,000 $50,000 $50,000 Outdoor property $10,000
$1,000 for any one tree, shrub or plant
$25,000
$2,500 for any one tree, shrub or plant
$25,000
$2,500 for any one tree, shrub or plant
$25,000
$2,500 for any one tree, shrub or plant
$25,000
$2,500 for any one tree, shrub or plant
Personal effects and property of others $10,000 Included in $200,000 blanket limit
Replacement cost
Included in $300,000 blanket limit
Replacement cost
Included in $400,000 blanket limit
Replacement cost
Included in $500,000 blanket limit
Replacement cost
Pollutant cleanup and removal $25,000 per location $25,000 per location $25,000 per location $25,000 per location $25,000 per location Portable electronic devices coverage worldwide n/a $10,000 $25,000 $25,000 $25,000 Preservation of property 90 days 90 days 90 days 90 days 90 days Preservation of property 鈥� expense n/a $25,000 $25,000 $25,000 $25,000 Rewards $10,000 $10,000 $10,000 $10,000 $30,000 Sales representative sample $5,000 $25,000 $25,000 $25,000 $25,000 Soft costs n/a $10,000 $10,000 $10,000 $10,000 Spoilage n/a $5,000 $25,000 $25,000 $25,000 Temporary relocation of property n/a $25,000 $50,000 $50,000 $50,000 Tenant building insurance $25,000 $25,000 $50,000 $50,000 Included Tenant insurance 鈥� landlord's personal property $25,000 $25,000 $25,000 $25,000 $25,000 Tenant signs $5,000 $25,000 $25,000 $25,000 Included Theft damage to building Included Included Included Included Included Theft of telephonic service $25,000 $25,000 $25,000 $25,000 $25,000 Theft payment changes $10,000 for furs
$10,000 for jewelry and the like
$10,000 for precious metals
$10,000 for furs
$10,000 for jewelry and the like
$25,000 for precious metals
$10,000 for furs
$10,000 for jewelry and the like
$25,000 for precious metals
$10,000 for furs
$10,000 for jewelry and the like
$50,000 for precious metals
$10,000 for furs
$10,000 for jewelry and the like
$50,000 for precious metals
Unauthorized business credit card use $5,000 $5,000 $5,000 $10,000 $10,000 Undamaged tenants improvements and betterments n/a $5,000 $10,000 $25,000 $50,000 Underground water seepage n/a $100,000 $100,000 $100,000 Included Utility services 鈥� business income and extra expense $5,000 $25,000 $25,000 $50,000 $50,000 Utility services 鈥� direct damage $10,000 $50,000 $50,000 $50,000 Included Valuable papers and records $25,000 Included in $200,000 blanket Included in $300,000 blanket Included in $400,000 blanket Included in $500,000 blanket Voluntary parting n/a $5,000 $10,000 $25,000 $50,000 Water damage, other liquids, powder or molten material damage Included Included Included Included Included Windblown debris n/a $2,500 $5,000 $10,000 $10,000 Worldwide business personal property off premises n/a $50,000 $50,000 $50,000 $50,000 Coverage Standard Bronze Silver Gold Platinum General liability coverages Aggregate limits of insurance per location Included Included Included Included Included Alienated premises Included Included Included Included Included Additional insured by contract, agreement or permit with completed operations and primary and noncontributory Included Included Included Included Included Automatic additional insured provisions including primary and non-contributory for broad form vendors, co-owner insured premises, controlling interest, mortgagee, assignee, or receiver, grantor of franchise, lessor of leased equipment, manager or lessor of premises Included Included Included Included Included Blanket waiver of subrogation Included Included Included Included Included Broad form property damage 鈥� borrowed equipment, customers鈥� goods, use of elevators Included Included Included Included Included Damage to premises rented to you $1,000,000 or policy aggregate limit if less than $1,000,000 $1,000,000 or policy aggregate limit if less than $1,000,000 $1,000,000 or policy aggregate limit if less than $1,000,000 $1,000,000 or policy aggregate limit if less than $1,000,000 $1,000,000 or policy aggregate limit if less than $1,000,000 Incidental malpractice 鈥� employed nurses, EMTs and paramedics
(not applicable to businesses whose primary service includes providing medical or nursing services)
Included Included Included Included Included Medical expenses $5,000 $5,000 $5,000 $5,000 $5,000 Medical expenses 鈥� three years to report Included Included Included Included Included Newly acquired or formed organizations up to 180 days Included Included Included Included Included Personal and advertising injury 鈥� broad form to include contractual liability and discrimination Included Included Included Included Included Product recall expense $25,000 per occurrence
$50,000 aggregate
$25,000 per occurrence
$50,000 aggregate
$25,000 per occurrence
$50,000 aggregate
$25,000 per occurrence
$50,000 aggregate
$25,000 per occurrence
$50,000 aggregate
Supplementary payments 鈥� bail bonds $2,500 $2,500 $2,500 $2,500 $2,500 Supplementary payments 鈥� loss of earnings $500 per day $500 per day $500 per day $500 per day $500 per day Unintentional failure to disclose hazards Included Included Included Included Included Unintentional failure to notify/knowledge of an occurrence Included Included Included Included Included
*Business Owner's Advantage is not available in FL.
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