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OFFICE REAL ESTATE SALES COVERAGE FEATURES
Choosing insurance for your business is an important decision.
Choosing insurance for your business is an important decision You invest your time, money and effort toward running your business, so you should be confident that the insurance you purchase will protect your business when you need it most.
Office Business owner policy offers an affordable way for you to obtain property and Liability insurance. This policy includes key coverages that are important to any business, and also offers additional business-specific options that are important for any office.
Coverage features especially for Real Estate Sales Businesses
Client files and other Valuable Papers and Records
Including the cost to research, replace or restore lost information.
Up to $25,000* on and off premises.
Computer Equipment, Data and Media
Included up to Business Personal Property limit, subject to a maximum of $50,000*.
Coverage applies worldwide.
Fewer exclusions (artificial electricity, breakdown, and power failure are covered).
Off premises (including transit), backup data off premises, and newly acquired equipment is covered for up to $25,000.
Interruption of Computer Operations is covered for up to $25,000 *.
Electronic Vandalism is covered for up to $25,000.
*Higher limits are available.
Equipment Breakdown
Coverage for equipment breakdown is included within applicable limits.
Expenses are covered for up to $25,000.
Pollutant cleanup costs are covered for up to $25,000.
Interruption of water, communication, or power supply services is covered (when Business Income and Extra Expense is covered).
Diagnostic and power generating equipment is covered for equipment breakdown for up to $100,000*.
Real Estate Sales Core Coverage Highlights
Property Coverage
Covers your Building and Business Personal Property for replacement cost with no coinsurance.
Accounts Receivable covered for up to $25,000*.
Fine Arts
Up to $25,000*.
Coverage applies anywhere in the coverage territory.
The "breakage" limitation does not apply.
Limited exclusions.
Special valuation terms.
Crime Coverage
Money and Securities are covered within Business Personal Property. Theft of Money and Securities limited to $25,000* for Office Real Estates Sales Policy.
Employee Dishonesty is covered for up to $25,000*.
Forgery or Alteration is covered for up to $25,000*.
Money Orders and Countefeit Paper Currency are covered within Business Personal Property.
Theft Damage to Tented Property is covered within Business Personal Property.
Gerneral Liability
This covers you against claims resulting from your business operations due to bodily injury or property damage to others. Automatically includes:
Advertising Injury and Person Injury.
Medical Payments for $5,000 per person.
Damage to Premises Rented to You for up to $300,000*.
Blanket contractual for oral or written contracts.
Limited worldwide Coverage.
Host liquor legal liability.
Coverage for Web site injury liability (some restrictions apply).
*Higer limits are available.
Popular Options
Higher Limits for most individual coverage extensions.
Office property coverage endorsement-enchances coverage in 18 key areas.
Sewer and Drain Back Up.
Building Owner Endorsement-enchances coverage in key areas for building owners.
Hired and Non-owned Auto.
ERISA Welfare and Pension.
Liability coverage enhancemen t- enhances coverage in 15 key areas.
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