Coverage Chart For Prime Realty Guard Policies
REIN Prime Realty Guard Summary of Coverage |
||
Coverage Description |
Deductible |
Amount of Insurance |
Buildings and Business Contents Including Exterior Signs and Electronic Data Processing Equipment and Media |
$1,000 |
Limit Chosen by You |
Business Contents Temporarily Off Premises or in Transit |
$1,000 |
$10,000 |
Automatic Fire Suppression System Recharge |
$1,000 |
$25,000 |
Building Damage by Theft |
$1,000 |
$10,000 |
Building and Business Contents at Newly Acquired Location – 90 days |
$1,000 |
$1,500,000 |
Earthquake |
Varies |
Incl in Bldg. Amount |
Flood |
Varies |
Incl in Bldg. Amount |
Sewer Back-Up |
$2,500 |
Incl in Bldg. Amount |
Building By-Laws |
|
Incl in Bldg. Amount |
Clean up Expenses for Land and Water Pollution |
$1,000 |
$25,000 |
Debris Removal (Additional Limit) -25% of Loss Paid |
$1,000 |
Max $50,000 |
Equipment Breakdown – Option 3 |
$1,000 |
Incl in Bldg. Amount |
Equipment Breakdown – Hazardous Substances |
|
$50,000 |
Fire Fighting Expenses |
$1,000 |
$25.000 |
Growing Plants, Shrubs or Flowers in the Open |
$1,000 |
$25,000 |
Master Key Coverage |
$1,000 |
$25,000 |
Newly Acquired Business Contents – 60 days |
$1,000 |
$100,000 |
Personal Property of Officers or Employees |
$1,000 |
$25,000 |
Removal of Property to Prevent Loss |
|
Included |
Exterior Building Glass |
$500 |
Replacement Cost |
Business / Rental Income 12 Months |
|
Actual Loss Sustained |
Interruption by Civil Authority |
|
Maximum of 30 days |
Mortgage Rate Guarantee |
|
Maximum of 60 months |
Business Income – Newly Acquired Location – 60 days |
|
$100,000 |
Business Income – Off Premises Property (Including Power of Interruption) |
|
$25,000 |
Accounts Receivable |
|
$50,000 |
Professional Fees |
|
$50,000 |
Valuable Papers and Records |
|
$50,000 |
Vacancy Extended to 60 days |
$1,000 |
|
Power Surge – Maximum Recovery $25,000 any one loss |
$1,000 |
|
Disappearing Deductible – Losses over $10,000 |
|
|
|
|
|
Crime Coverages |
|
|
Coverage A – Employee Dishonesty |
|
$10,000 |
Coverage B – Loss Inside the Premises |
|
$5,000 |
Coverage C – Loss Outside the Premises |
|
$5,000 |
Coverage D – Money Orders & Counterfeit Paper |
|
$5,000 |
Coverage E – Depositors Forgery |
|
$5,000 |
Commercial General Liability Coverages |
Deductible |
Amount of Insurance |
Each Occurrence |
|
$2,000,000 |
Property Damage Deductible |
$1,000 |
|
Bodily Injury Deductible |
$1,000 |
|
General Aggregate |
|
$5,000,000 |
Products-Completed Operations Hazard Aggregate |
|
$2,000,000 |
Personal and Advertising Injury |
|
$2,000,000 |
Medical Payments any one person |
|
$25,000 |
Tenants’ Legal Liability any one premises |
$1,000 |
$500,000 |
Elevator Collision |
|
$100,000 |
Employee Benefits Each Claim |
|
$2,000,000 |
Employee Benefits Aggregate |
|
$2,000,000 |
Non Owned Automobile Insurance Coverages |
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Non-Owned Automobile |
|
$2,000,000 |
Damage to Hired Automobile |
$500 |
$50,000 |
Note: This is a summary only. Actual coverage will be subject to the terms and conditions of the insurance policy.
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