COMMERCIAL PACKAGE POLICY

("open perils" form)

PRINCIPAL COVERAGES
Fire & Lightning	Limited Building Glass Coverage
Windstorm & Hail	Theft (excluding personal property)
Explosion	Falling Objects
Vehicle or Aircraft damage	Collapse (excluding earthquake)
Smoke	Sprinkler Leakage
Volcanic Action	Riot, Civil Commotion
Vandalism (limited glass coverage)
Any other risk of physical damage to building and contents not specifically excluded.

OTHER COVERAGES (Limits Apply)

• outdoor signs attached to the building
• valuable papers & records
• additional debris removal
• BROAD FORM LIABILITY, including:
  • bodily injury and property damage
  • libel, slander, advertising injury, false arrest
  • products, contractual, host liquor, fire legal liability

OPTIONAL COVERAGES (May be added for an additional premium)
Replacement cost coverage	Peak Season
Loss of business income	Heating & cooling equipment
Employee dishonesty	Money & securities
Glass	Accounts receivable
Earthquake	Signs

PRINCIPAL EXCLUSIONS

Flood, earthquake, wear & tear, damage caused by insects or animals, intentional acts, enforcement of law or ordinance, power failures

DEDUCTIBLE CLAUSE
Pays only for losses in excess of deductible selected.

IMPORTANT
This simplified summary does not represent contract terms. The policy is the contract.

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