Core Coverage Highlights

General Liability Highlights

General Liability Coverage covers you against claims for bodily injury or property damage to others resulting from your business operations.

• General Liability Limits of $1 million per occurrence / $2 million aggregate are standard for Office Pac^SM and Office Pac Plus^SM with an option for higher limits of $2 million per occurrence / $4 million aggregate available for Office Pac^SM.

• Advertising Injury and Personal Injury.

• Medical Payments for $5,000 per person.

• Damage to Premises Rented to You is included up to $300,000*.

• Blanket Contractual for all insured contracts.

• Host liquor liability.

• Limited worldwide coverage.

• Products/Completed Operations coverage is included. (May be excluded on Pac Plus^SM)

Property Highlights

Property Coverage covers your Building and Business Personal Property for replacement cost with no co-insurance.

• Accounts Receivable coverage is included up to $25,000*.

• Business Income and Extra Expense
  This covers income that is lost due to suspended operations caused by damage at the described premises from a covered cause of loss. This is an optional coverage for Pac Plus^SM.

  Office Pac^SM

  • Automatically included and includes rental value.

  • Included on an Actual Loss Sustained basis for up to 12 consecutive months.

  • Coverage may also be written on a policy or location level basis for any dollar limit without the 12 month limitation.

  Office Pac Plus^SM

  • Optional.

  • When selected, the coverage may be written with a policy or location level dollar limit. The dollar limit is based on 50 percent of annual receipts and may be modified.

  • Business Personal Property Off Premises coverage is provided, including while in transit or temporarily away from the scheduled premises.

  • Crime Coverage:

    • Employee Dishonesty and Forgery or Alteration coverage are both included up to $25,000*.

    • Money & Securities are included within Business.

    • Personal Property. Theft of Money and Securities is limited to $25,000* for Office Pac Plus^SM.

    • Theft Damage to Rented Property coverage is included within Business Personal Property when tenant is contractually obligated.

  • Fine Arts:

    • Up to $25,000

    • Coverage applies anywhere in the coverage territory.

    • The breakage limitation does not apply.

    • Limited exclusions.

    • Special valuation terms.

  • Signs within 1,000 feet are included within the Building limit.

*Higher limits are available
^†Property coverages are not available in Florida

Property & General Liability Features Especially For Offices (Automatically Included!)

General Liability Features

• Web XTEND Endorsement^® is automatically provided for most Offices. Coverage includes personal injury, advertising injury and worldwide Web site injury protection (some restrictions apply).

Property^† Features

• Electronic Data.

• Processing Equipment, Data & Media:

  • Coverage is included subject to the Business Personal Property limit, for a maximum of $50,000*.

  • Coverage applies worldwide.

  • Enhanced perils under this Coverage Extension include protection against loss by electrical current, mechanical breakdown and power failure.

  • Off premises (including transit) coverage, backup data off premises coverage, and newly acquired equipment coverage is included up to $25,000.

  • Interruption of Computer Operations coverage is included up to $25,000*.

• Equipment Breakdown:

  • Coverage for Equipment Breakdown is included within applicable limits.

  • Diagnostic equipment, power generating equipment, and production equipment are limited to $100,000* for direct damage.

  • Service interruption of water, communication, or power supply services is covered from a covered breakdown (when Business Income and Extra Expense is covered).

• Valuable Papers and Records:

  • Coverage is included up to $25,000* on and off premise.

  • Includes the cost to research, replace or restore lost information.

Popular Options For Offices

• PowerPac^SM property coverage endorsement – enhances coverage in 20 key areas. See chart for more details.

• XTEND Endorsement^® for liability coverage enhancement – It provides 15 extensions of coverage including:

  • Broadened Named Insured.

  • Blanket Additional Insured.

  • Managers or Lessors of Premises or Leased Equipment.

• Denial of Service Attack:

  • Time Element is an optional coverage enhancement available when Business Income and Extra Expense is covered.

  • Coverage for Business Income and Extra Expense due to the necessary suspension of electronic commerce computer operations due to a denial of service attack.

  • Provides a limit of $10,000 when Business Income and Extra Expense is covered.

• Other Options Available:

  • Higher limits for most individual coverage extensions.

  • ERISA Welfare and Pension.

  • Building Owners Endorsement.

  • Sewer and Drain Back Up.

  • Hired and Non-owned Auto Liability.