COMMERCIAL PACKAGE POLICY

("open perils" form)

PRINCIPAL COVERAGES
Fire & Lightning Limited Building Glass Coverage
Windstorm & Hail Theft (excluding personal property)
Explosion Falling Objects
Vehicle or Aircraft damage Collapse (excluding earthquake)
Smoke Sprinkler Leakage
Volcanic Action Riot, Civil Commotion
Vandalism (limited glass coverage)
Any other risk of physical damage to building and contents not specifically excluded.

OTHER COVERAGES (Limits Apply)

OPTIONAL COVERAGES (May be added for an additional premium)
Replacement cost coverage Peak Season
Loss of business income Heating & cooling equipment
Employee dishonesty Money & securities
Glass Accounts receivable
Earthquake Signs

PRINCIPAL EXCLUSIONS

Flood, earthquake, wear & tear, damage caused by insects or animals, intentional acts, enforcement of law or ordinance, power failures

DEDUCTIBLE CLAUSE

Pays only for losses in excess of deductible selected.

IMPORTANT This simplified summary does not represent contract terms. The policy is the contract.