-Up to 35,000 sq feet

-annual sales of 6mil or less

Requirements for

and Apartment buildings.

condos are included

not to exceed 35,000 square feet

contractors that do not occupy more than 7,000 square feet or 15% of total area.

principally used for office purposes

no more than 6 stories high

and no more than 100,000 square feet.

1. floor not to exceed 7,500 sq feet
2. seating limit to 150 persons
3. beer and wine liquor sales cannot exceed 50% of total sales

no more than 75% total sales

ex: sales=200,00 total

alchohol not to exceed 150,000 or 75%

1. 35,000 sq feet does NOT apply to motels.
2. sales to not exceed 6mil annually
3. less than 3 stories high
4. must not be seasonal

• Annual payroll over 300k
• subcontracting exceed 10%
• waterproofing

• auto repair or service stations
• auto, motorhome, mobile home or motorcycle dealers
• banks
• parking lots or garages

• RC unless insured chooses ACV
• completed additions and additions under construction
• personal property of the insured used to maintain building
• outdoor fixtures
• landlord furnishings

replacement cost

property owned by insured and used in buisness

property of others in the insureds care,custody and control

tenants improvements and betterments

Buisness Income-Extra Expense

72 hour waiting period

for up to 12 months

ELECTRONIC

DATA

• policy pays up to $10,000
• does not apply to electronic data that is part of the buildings heating, lighting and elevator

Cancellation by the

insurer(insurance company)

• if building has been vacant or unoccupied for 60 or more days
• 65% or more of rental units not occupied

non-owned liability provides coverage for the auto not the owner

hired auto liability provides coverage for autos leased, hired or borrowed.