|
Continental Western Group |
|
|
|
|
Special Property Insurance Features (continued): Earthquake and flood coverage is available. Up to $25,000 for loss from water damage due to the backup of sewers or drains. Higher limits are available. Coverage for business personal property temporarily off-premises and in transit. Up to $10,000 for theft or destruction of money and securities either on or off your premise. Higher Limits are available. Up to $50,000 for outdoor signs and computers. Higher limits are available. Valuation of building and business personal property is on a replacement cost basis.
INLAND MARINE INSURANCE Inland Marine Insurance provides coverage for your property that is moveable and not confined to your premises. This includes all portable fire fighting, ambulance, medical, rescue and communications equipment not permanently attached to your buildings or vehicles. It also covers watercraft and related equipment, and vehicles that are not licensed for regular highway use such as snowmobiles and all-terrain vehicles. Flood and earthquake coverage are included on all Inland Marine forms. Your property is covered for all causes of loss except those specifically limited or excluded. Your portable equipment is valued on a guaranteed replacement cost basis. OTHER PROPERTY COVERAGES Coverage is provided to cover property you commandeer and use during an emergency response. Coverage is provided for personal effects and property of others in your care, custody and control and personal effects of your volunteers and employees damaged or destroyed while performing authorized duties. We also pay to rent equipment if your regular portable equipment is damaged or destroyed. PUBLIC AND PROFESSIONAL LIABILITY INSURANCE Subject to the conditions of the the policy, we insure your organization against judgments stemming from bodily injury, property damage, personal injury and advertising injury. We also cover management liability to pay those sums which you become legally obligated to pay as damages for breach of official duty due to negligent act, wrongful error or omission. We cover your premises and operations. We will defend suits seeking damages. All of the liability coverage is written on an occurrence basis. Special Liability Insurance Features: Annual aggregate limit is for each named insured and for each premises. Coverage for fire damage legal liability for a fire loss at premises you rent. Coverage for premises medical payments. Insureds include your trustees, directors, employees and volunteers. Pollution and asbestos liability coverage for emergency response operations or training exercises. Fire suppression liability for intentional acts, rekindle incidents and property damage. Coverage for all owned and non-owned watercraft, snowmobiles & ATVs. Coverage for injunctive relief defense. Host liquor liability is provided and liquor liability is available. Special events liability coverage. Fellow employee/volunteer liability coverage. EMS liability for all employees and volunteers, except physicians. Good Samaritan liability for all employees and volunteers, except physicians. Management liability, errors and omissions prior acts coverage is available. Contingent Aircraft Liability. Employee Benefits Liability. Employment Practices Liability is available.
Special Auto Insurance Features: An auto you commander for an emergency is covered on a primary liability basis regardless of other insurances. Your employees and volunteers are insured for liability. Fellow employee/volunteer liability coverage for your employees or volunteers. Unlimited primary physical damage coverage for commandeered autos with no deductible. Coverage for personal auto damage reimbursement. Coverage for mutual aid expense reimbursement or rental reimbursement, including loss of use. Coverage for freezing of permanently attached special equipment. Automatic increase in coverage based on quarterly % you select. Coverage for towing and labor expense on any vehicle. Coverage for debris removal expense for a damaged vehicle. Glass breakage on any vehicle has no deductible. A newly acquired vehicle is automatically covered for 60 days. ** The coverage descriptions in this document are not intended to provide the actual policy wording. Please consult our insurance policies for the actual coverage, exclusion, term and conditions of the insurance we provide. |
|
|
