OFFICE PROGRAM


PROGRAM GUIDE - ELIGIBILITY and REQUIREMENTS: The Office Program is designed to cover General Office Environments.


Coverage Available as:
Commercial Package Policy or Monoline Commercial General Liability

Building (if owned) - Business Personal Property coverage - Commercial General Liability coverage for Premises Liability only - no professional liability Coverage

Application

USE: OFFICE APPLICATION - GIC Office

Property Limits

MAXIMUM Property Limits Including WINDSTORM OR HAIL

THE MAXIMUM AVAILABLE LIMIT on any one risk, for all Section I exposures, with WIND OR HAIL is $1,250,000. This includes coverages for ALL Buildings, Your Business Personal Property and Business Income.

MAXIMUM Property Limits Excluding WINDSTORM OR HAIL

THE MAXIMUM AVAILABLE LIMIT on any one risk, for all Section I exposures, excluding WIND OR HAIL is $1,250,000. This includes coverages for ALL Buildings, Your Business Personal Property and Business Income.

AGE CRITERIA FOR BUILDINGS

Coverage for buildings over 50 years old will be unacceptable, unless an evidence of updates for heating, cooling, electrical and plumbing systems are included with submission.

ROOF AGE CRITERIA FOR BUILDINGS WITH WIND COVERAGE

Buildings over 25 years old- Evidence of roof replacement will be required upon binding.
Acceptable evidence: Roofing permit.

EQUIPMENT BREAKDOWN COVERAGE INCLUDED

Every policy covering property (Buildings or BPP or both) automatically includes coverage for damage caused by such perils as artificially generated electrical current, mechanical breakdown, pressure equipment losses and more.

The following is just a sample of the type equipment that can be protected by equipment breakdown coverage:

General Liability

Maximum Coverage Limits:

Prohibited Classes


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Updated 11/14