BUSINESSOWNERS PACKAGE POLICY

("special" form)

PRINCIPAL COVERAGES
Fire & Lightning
Windstorm & Hail
Explosion
Vehicle or Aircraft Damage
Smoke
Building Glass Breakage
Theft
Falling Objects
Collapse
Vandalism

Any other risk of physical damage to building and contents not specifically excluded.

OTHER COVERAGES
Replacement cost coverage on building and contents
Loss of business income - no dollar limit
Valuable papers coverage up to $1000

Broad Form liability, including:
bodily injury and property damage
libel, slander, defamation of character, false arrest, products, contractual, host liquor, fire damage legal liability and medical payments

OPTIONAL COVERAGES (May be added for an additional premium)
Grade floor glass
Money and Securities
Exterior signs
Earthquake

PRINCIPAL EXCLUSIONS
Flood; earthquake; enforcement of building codes, laws or ordinances; deterioration, wear & tear; damage caused by animals or insects; power failures; oil leaks or other pollution; workers compensation claims

DEDUCTIBLE CLAUSE
Pays only for losses in excess of deductible selected.

IMPORTANT This simplified summary does not represent contract terms. PLEASE READ YOUR POLICY.