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Commercial Real Estate Insurance

Typical Real Estate Coverage Summary
Property Coverages Basic Package Limits Enhanced Package Limits
Buildings (coverage available upon request) $10M Maximum per building $10M Maximum per building
Business Income – Removal of 72 hour waiting period Enhanced only Included
Business Income Dependent Property Enhanced only Optional
Business Personal Property (BPP) $40M Max. PML per policy $40M Max. PML per policy
Business Personal Property at Newly Acquired Premises $100,000 $250,000
Accounts Receivable $5,000* $25,000*
Back Up of Sewers or Drains $1000 per Occurrence for Each Described Building $1000 per Occurrence for Each Described Building*
Building Glass Included Included
Business Income 18 Months, Actual Loss Sustained 18 Months, Actual Loss Sustained
Claims Expense $1,000

$5,000

Computer Coverage (Hardware) $10,000* $25,000*
Computer Coverage (Media & Records) $1,250* $6,250*
Crime Conviction Reward $5,000 $10,000
Debris Removal Up to 25% of a covered loss plus up to $10,000 additional* Up to 25% of a covered loss plus up to $25,000 additional, in addition to the $10,000 included*
Equipment Breakdown Usually enhanced only Included in Limit of Insurance Selected for each Building
Extended Replacement Cost Usually enhanced only Up to 125% of Limit of Insurance for the Described Building
Fire Department Service Charge $1,000 $5,000
Fire Extinguisher Recharge $2,500 $5,000
Limited Collapse or Water Damage Included Included
Lock Replacement $100 per lock/$5,000 per Occurrence* $100 per lock/$10,000 per Occurrence*
Newly Acquired or Constructed Property Up to $1,000,000 per Described Building Up to $1,000,000 per Described Building
Outdoor Property $500 any one tree, Plant or Shrub/$2,500* $500 any one tree, Plant or Shrub/$2,500*
Outdoor Signs $10,000 per Described Building* $25,000 per Described Building*
Perishable Goods Usually enhanced only Included
Personal Property Off Premises $5,000 $5,000
Pollutant Clean-Up & Removal $10,000* $25,000*
Premises Boundary Definitions 100 feet 1,000 feet
Tenants Move Back Coverage Usually enhanced only $10,000 per loss Occurrence per Described Building
Valuable Papers and Records $5,000* $25,000*
Crime Coverages Basic Package Limits Enhanced Package Limits
Employee Dishonesty $10,000* $25,000*
Money Orders and Counterfeit Papers $1,000 per Occurrence $1,000 per Occurrence
Forgery and Alteration $2,500 Maximum $2,500 Maximum
Money and Securities $10,000 Inside or Outside* $25,000 Inside or Outside*

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