Cooling mechanisms for pigs can come in the form of drip water system or a wallow for a hog pen.
Explosion Optional for an additional premium Extended Coverage windstorm or hail, smoke, aircraft or vehicles, riot or civil commotion, sinkhole collapse, volcanic action Vandalism Sprinkler Leakage for qualifying buildings IL Coverages Unless Replacement Cost is selected, the policy is an Actual Cash Value policy.
Building Includes coverage for the building and any outdoor fixtures, machinery, and equipment attached to the building. Business Personal Property Covers business personal property as defined in the policy in or on the building or in the open within feet of the described premises.
Personal Property of Others Covers personal property of others in the care, custody, and control of the insured located in or on the building or in the open within feet of the described premises. Replacement Cost coverage is not available for business personal property or personal property of others.
This form must be included with any request for replacement cost coverage for any commercial buildings constructed more than 50 years ago. CP Course of Construction COC Covers either residential or commercial structures in construction from the ground up, or existing structures undergoing extensive reconstruction or renovations.
Various underwriting guidelines relative to policy warranties may apply to this coverage as well as minimum mandatory deductibles, depending on the amount of coverage requested.
Preservation of Property If it is necessary to move covered property from the described premises to preserve it from loss or damage from a covered cause of loss, we will pay for loss to that property while it is being moved or temporarily stored elsewhere, but only if the loss or damage occurs within 10 days after the property is first moved.
The suspension must be caused by covered loss or damage to property at the described premises. We also pay extra expenses incurred during the period of restoration to avoid or minimize the suspension of business and to continue operations. There is no coverage for vacant or unoccupied properties except as defined in the endorsement.
Refer to the endorsement for a full description of definitions and coverages. CP Sprinkler Leakage Available for any amount of coverage for qualifying buildings. IL Deductibles Every policy has a deductible to be applied once per covered loss. The higher the deductible, the lower the premium will be.Use our free email disclaimer template to include your business’ legal information, confidentiality or warnings in your emails.
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