Term
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Definition
| Cost of compliance with new codes/ordinances not covered - all 3 forms |
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Term
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Definition
| Earthquakes, landslides, mine subsidence not covered - all 3 forms |
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Term
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Definition
| Damage by government not covered unless caused by a covered cause of loss - all 3 forms |
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Term
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Definition
| Not covered; if resulting in fire, fire damage is covered - all 3 forms |
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Term
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Definition
| Not covered when resulting from damage to the utility provider's facilities - all 3 forms |
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Term
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Definition
| Not covered except for acts of terrorism - all 3 forms |
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Term
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Definition
| Flood, surface water, tidal waves, tsunami, mudslide, etc. not covered - all 3 forms |
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Term
| Fungus, Wet Rot, Dry Rot, and Bacteria |
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Definition
| Damage caused by presence or growth is not covered unless resulting in a covered cause - all 3 forms |
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Term
| Artificially Generated Energy |
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Definition
| Power surge not covered - all 3 forms |
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Term
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Definition
| Rupture, burst, blades breaking, gear or motor damage, etc. not covered - all 3 forms |
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Term
| Explosion of Owned or Controlled Steam Boilers |
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Definition
| Explosion of boilers not covered - all 3 forms |
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Term
| Continuous Exposure to Water |
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Definition
| Leak, seepage, condensation, humidity, moisture, or vapor over a period of 14 days or more not covered - all 3 forms |
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Term
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Definition
| Insured must do everything possible and reasonable to prevent further damage to a property following a loss; if not, further damage is not covered - all 3 forms |
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Term
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Definition
| Loss of use or loss of market not covered - special form |
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Term
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Definition
| from agricultural smudging or industrial operations, not covered - special form |
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Term
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Definition
| Rust, corrosion, decay, deterioration, hidden or latent defects, not covered - special form |
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Term
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Definition
| Damage from smog not covered - special form |
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Term
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Definition
| Settling or cracking of building/foundations etc. not covered - special form |
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Term
| Insect, Bird, or Animal Infestation |
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Definition
| Not covered - special form |
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Term
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Definition
| Unless insured has taken all reasonable precautions to avoid, not covered - special form |
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Term
| Dishonest or Criminal Acts |
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Definition
| Including theft by certain persons including the insured, management, and employees, not covered - special form |
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Term
| Voluntary Parting with Property Under False Pretenses |
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Definition
| Not covered - special form |
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Term
| Losses to Personal Property out in the Open |
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Definition
| Damage from rain, snow, ice, sleet, etc. not covered - special form |
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Term
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Definition
| Except as provided for under Section D as Additional Coverage, not covered - special form |
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Term
|
Definition
| Pollutants, smell, odor, etc. not covered - special form |
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Term
|
Definition
| If damage is caused due to human error or neglect relating to weather conditions, damage is not covered - special form |
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Term
| Loss or Damage to Finished Stock |
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Definition
| Not covered - business income form |
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Term
| Direct Damage to TV or Radio Antenna |
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Definition
| Not covered - business income form |
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Term
| Increase of Loss due to Delay of Repairs |
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Definition
| Not covered - business income form |
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Term
| Extra Expense due to Delay of Repairs |
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Definition
| Not covered - business income form |
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Term
|
Definition
| Not covered - business income form |
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Term
| Ordinance or Law Exclusion Does Not Apply |
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Definition
| Leasehold interest form only |
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Term
| No Coverage if Insured Cancels Lease |
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Definition
| Leasehold interest form only |
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Term
| The Following Exclusions do not apply: Ordinance or Law, Governmental Action, Nuclear Hazard, Utility Services, and War and Military Action |
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Definition
| Legal liability form only |
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Term
| No Coverage except if Contractually Liable in Lease Agreement |
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Definition
| Legal liability form only |
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Term
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Definition
| Loss or damage to products/merchandise due to any party's error during development, production or use is not covered |
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Term
| Steam Boilers, Pipes, Engines, and Turbines |
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Definition
| Limitation - if a loss is caused by or resulting from any condition inside the equipment |
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Term
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Definition
| Limitation - if loss caused by internal event other than explosion |
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Term
| Rain, Snow, Sleet, Ice, or Dust Damage |
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Definition
| Limitation - unless resulting from a covered cause of loss destroying the roof or walls |
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Term
| Theft of Building Materials or Supplies |
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Definition
| Limitation - unless the insured is holding the property for sale or is insured under a Builders Risk, Business Income, or Extra Expense form |
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Term
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Definition
| Limitation - If missing without explanation; only discovered missing during inventory |
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Term
| Property Transferred Without Authorization |
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Definition
| Limitation - if transferred without authorization |
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Term
| Lawns, Trees, Shrubs, Vegetated Roof |
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Definition
| Limitation - if damage is caused by dampness or dryness in soil or atmosphere, extreme temperature changes, disease, frost, hail, rain, snow, ice, or sleet |
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Term
|
Definition
| Coverage excluded only if they are killed or their destruction is made necessary, unless caused by a specified cause of loss |
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Term
|
Definition
| Coverage excluded if broken, unless caused by a specified cause of loss |
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Term
|
Definition
| Coverage excluded unless within 100 feet of the premises (unless premises is insured under Builders Risk) or caused by specified cause of loss |
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Term
| Fur & Fur Garments Special Limit |
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Definition
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Term
| Jewelry, Watches Special Limit |
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Definition
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Term
| Patterns, Dies, Molds, and Forms Special Limit |
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Definition
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Term
| Stamps, Tickets, and Letters of Credit Special Limit |
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Definition
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Term
| Exception in Coverage Exclusion |
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Definition
| Fire extinguishing equipment is covered if damage results in the discharge of any substance from the fire protection system or damage is caused directly by freezing |
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Term
| Additional Coverage - Collapse |
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Definition
| Applies only to an abrupt collapse as a result of unknown building decay, unknown insect or vermin damage, or defective construction |
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Term
| Additional Coverage - Fungus, Wet and Dry Rot, Bacteria |
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Definition
| Covered only if the cause of loss is a specified cause of loss, except fire, lighting, or flood. Limit is $15,000 |
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Term
| Additional Coverage Extensions - Property in Transit |
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Definition
| Covered if loss results from fire, lighting, theft, explosion, windstorm, hail, riot, vandalism, or auto collision. Limit is $5,000 |
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Term
| Additional Coverage Extensions - Water/Liquid/Powder/Molten Material |
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Definition
| Coverage applies to repair of leaking equipment as well as damage caused by leak |
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Term
| Additional Coverage Extensions - Glass |
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Definition
| Repair, replacement, or temporary securement covered |
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