Property Coverage

Our Special Forms Provides:

• Actual Loss Sustained up to 15 months
  
• $25,000 Spoilage Coverage
  
• $25,000 Utility Service Lost Income
  
• Building Ordinance Coverage
  
• Demolition Cost Coverage
  
• Increased Cost of Construction Coverage
  
• Building Ordinance Coverage Tenant
  
• $100,000 Damages to Customers Autos
  
• Fine arts $50,000
  
• $25,000 Food Contamination Expense
  
• Money and Securities-$25,000 Inside the Premises and $10,000 Outside the Premises
  
• $100,000 Accounts Receivable
  
• $100,000 Valuable Papers
  
• $10,000 Property Off-Premises

Liability Coverage

• General Liability Occurrence Limit $1,000,000/ $2mm aggregate
  
• Bodily Injury and Property Damage
  
• Premises Operations
  
• Products and Completed Operations
  
• Liquor Liability
  
• Blanket Contractual Liability

Equipment Breakdown Coverage

Equipment Breakdown insurance helps protect you from the cost associated with losses to your equipment, it pays for:

• Direct Property loss-the cost to repair or replace the damaged equipment
  
• Costs associated with the time and labor to repair or replace the equipment
• The Loss value of spoiled products or materials
  
• Business recovery Expense

Protection Against Damage Caused by:

• Short Circuits/electrical arching
  
• Power Surges
  
• Mechanical Breakdown

Equipment Breakdown insurance Covers Many Types of Equipment

• Heating and Cooling Systems
  
• Telephone Systems
• Refrigeration
  
• Brewing Equipment

Copyright © 2001 Firkin Insurance