General description of coverages available in most states.

Property:

• Buildings and Business Personal Property
• Business Income/Extra Expense
• Business Personal Property off Premises/In Transit
• Newly Acquired Premises
• Building Ordinance - A, B, & C
• Outdoor Property
• Arson Reward
• Change in Temp/Elect
• Commandeered Property
• Lock Replacement
• Underground Water Seepage
• Fire Department Charges
• Personal Effects
• Debris Removal
• Inventory/Appraisal Cost
• Inside/Outside Glass
• Pollution Cleanup
• Underground Sprinklers
• Flood - available by endorsement
• Earthquake - available by endorsement

Crime:

• Employee Dishonesty
• Money and Securities

Inland Marine:

• Accounts Receivable
• Valuable Papers
• Contractor's Equipment
• Grounds Maintenance Equipment
• Non-Owned Emergency Equipment
• EDP
• Fine Arts

Equipment Breakdown Coverage:

• Can be added to property coverage by endorsement

Auto:

• Business Auto Liability
• Uninsured/Underinsured Motorists
• Auto Medical Payments
• Personal Injury Protection
• Auto Physical Damage
• Replacement cost available for emergency vehicles
• Hired car physical damage

General Liability:

• Fire/Lightning/Explosion Legal
• Bail Bond Coverage
• Bodily Injury includes Mental Anguish
• Reasonable expenses + $1,000 loss of earnings for insured to testify
• Blanket additional insureds included at no charge
• Modified notice of occurrence is included
• Liquor liability included for short term events
• Professional coverage for EMTs/Paramedics built into the policy
• Good Samaritan coverage
• Watercraft to 51 ft.
• Modified engineers and architects wording is included
• Employee benefits liability is included
• Volunteers are included as insureds

Law Enforcement Liability:

• Covers:
• Civil rights, personal injury, and general liability claims
• Insured vs. insured suits
• Approved moonlighting
• Mutual aid contracts
• Occurrence or claims made coverage available
• Duty to defend
• Defense provided in addition to the policy limits
• Punitive damages are not excluded (except where required by law)
• Extensions:
• Consent to Settle
• Additional Insured
• Line of Duty Death Coverage

Emergency Dispatchers Liability:

• Covers bodily injury, property damage, personal injury, and wrongful acts committed within the scope of emergency dispatching services
• Occurrence coverage
• Specifically designed for stand-alone 9-1-1 centers
• Duty to defend
• Defense provided in addition to the policy limits
• Extensions:
• Consent to Settle
• Additional Insured
• Services Performed for Private Entities Coverage
• Fire Legal Liability

Public Officials Liability:

• Covers:
• Errors and omissions, breach of duty, and civil rights claims
• Insured vs. named insured suits
• Claims made or claims made and reported coverage available
• Duty to defend
• Defense provided in addition to the policy limits
• Punitive damages are not excluded (except where required by law)
• Awareness provision
• Extensions:
• Consent to Settle
• Land Use Planning and Zoning

Employment Practices Liability:

• Covers any act, omission, or policy attributable to anyone's employment or application for employment, including employment discrimination and wrongful termination
• Claims made coverage
• Duty to defend
• Defense provided in addition to the policy limits
• Separate from Public Officials Liability coverage and has own limits
• Extensions:
• Consent to Settle
• Extended Employment Practices Liability Coverage Options:
• Back Wages
• Mental Anguish/Emotional Distress/Personal Injury
• Non-Monetary Damages

Firefighters Professional Liability:

• Covers errors and omissions, breach of duty, and civil rights claims
• Defense expense for injunctive relief
• Claims made coverage
• Duty to defend
• Defense provided in addition to the policy limits
• Extensions:
• Line of Duty Death Coverage

Umbrella/Excess Liability:

• Limits up to $10,000,000 available
• $10,000 SIR
• Combined umbrella over auto liability/general liability/professional