Sheet 1
Commercial Package Policy
  CPP-CPP
  General Liability
    GL1-GL1
    Standard Coverages
      General Liability
        General Occurrence Limit
          $50,000
          $100,000
          $200,000
          $300,000
          $500,000
          $1,000,000
          $1,500,000
          $2,000,000
        General Aggregate Multiple
          2
          3
          4
          5
          6
          7
          8
          9
          10
        Premises Medical Limit
          $250
          $500
          $1,000
          $2,000
          $2,500
          $3,000
          $4,000
          $5,000
          $7,500
          $10,000
          $15,000
          $20,000
          $25,000
    Additional Coverages
      Detail
        Cyber Liability Coverage
          Type of Cyber Coverage
            Broad Scope Cyber Liability Coverage
            Extended Broad Scope Cyber Liability Coverage
          Cyber Liability Limit
            $50,000
            $100,000
            $200,000
            $300,000
            $500,000
            $750,000
            $1,000,000
          Number of Individuals with stored PII
          Do you provide information technology services to other entities?
          Is a significant cyber risk present?
          Cyber Liability Retro
        Defense Reimbursement
          Defense Reimbursement Limit
            $50,000 Proceeding Limit / $10,000 Inquiry Limit
            $100,000 Proceeding Limit / $25,000 Inquiry Limit
            $250,000 Proceeding Limit / $50,000 Inquiry Limit
        Directors and Officers
          Directors and Officers Coverage Type
            Regular
            Broadened
            Educational Institution
          Directors and Officers Limit
            Same as Policy Occurrence
            $50,000
            $100,000
            $200,000
            $300,000
            $500,000
            $1,000,000
            $1,500,000
            $2,000,000
          Directors and Officers Retro
        Employee Benefits
          Employee Benefits Limit
            Same as Policy Occurrence
            $50,000
            $100,000
            $200,000
            $300,000
            $500,000
            $1,000,000
            $1,500,000
            $2,000,000
          Employee Benefits Coverage Type
            Regular
            Broadened
          Employee Benefits Retro
        Employer Liability Stop Gap
          Employer Liability Stop Gap
            100K/500K/100K
            100K/1M/100K
            500K/500K/500K
            500K/1M/500K
            1M/1M/1M
    Exposures
      Class Code
      Class Description
      Location
      Risk Amount
      Lead Liability
        Is the building owned by the Insured?
        Built prior to 1978?
        Do you have a Lead Liability Letter?
          No
          Yes - Letter of Compliance
          Yes - Letter of Interim Control
  Commercial Property
    CP1-CP1
    Occupancy
      Occupancy
        Interest in Building
          Owner/Occupant
          Tenant
          Landlord
        Are any rents collected from building residents?
        Is the building vacant?
        Describe the operations of the tenant occupying this building
        Building Classification
          Assembly (Group A) - places used for people gathering for entertainment, worship, and eating or drinking.
          Business (Group B) - places where services are provided
          Educational (Group E) - schools and day care centers up to the 12th grade.
          Factory (Group F) - places where goods are manufactured or repaired (unless considered "High-Hazard" (below)).
          High-Hazard (Group H) - places involving production or storage of very flammable or toxic materials
          Institutional (Group I) - places where people are physically unable to leave without assistance.
          Mercantile (Group M) - places where goods are displayed and sold.
          Residential (Group R) - places providing accommodations for overnight stay (excluding Institutional).
          Storage (Group S) - places where items are stored (unless considered High-Hazard).
          Utility and Miscellaneous (Group U) - others
        Building Occupancy Description
        Is the building used exclusively as a dwelling?
        Is the building used year round?
        Enter the number of rental units
        Commercial Cooking
          Does the Insured have a Restaurant or Commercial Cooking Facilities that are open to the Public?
          Percent of Restaurant Area
            0 - 9%
            10 - 20%
            Over 20%
          Is there an approved exhaust system?
          Is there an automatic fire extinguishing system?
          Do any of the cooking appliances normally emit smoke or grease laden vapors?
      Building Value
        Purchase Price
        Estimated Replacement Cost Value
        Actual Cash Value
    Building
      Building Attributes
        Building Details
          Construction types
            Construction Type
              Frame
              Frame with brick veneer
              Joisted masonry
              Noncombustible
              Masonry noncombustible
              Modified fire resistive
              Fire resistive
            Construction Type Percentage
          Construction Load
            Construction Load - Masonry Non-Combustible
              None
              Masonry Non-Combustible loaded by 40%
              Masonry Non-Combustible loaded by 60%
            Construction Load - Fire Resistive
              None
              Fire resistive loaded by 40%
              Fire resistive loaded by 60%
          Earthquake Construction Type
          Is It Open-Sided?
          Number of Stories
          Is there an elevator or stair lift located in the building?
          Year Built
          Is the building on the Historic Registry?
            Yes
            No
            Unknown
          Heating
            Heating/Cooling/AC in building?
            Heating/Cooling/AC - year installed or updated?
            Do Heating/Cooling/AC - meet building code?
            Does this building contain objects (Boilers) requiring state inspection?
            Wood-Burning Stove
              Is there a Wood-burning stove?
              Make / Name of unit
              Used for
                Primary Heat Source
                Supplemental Heat Source
                Cooking
                Trash Disposal
                Other
              If Other, please specify
              Is unit UL listed?
              Is green (unseasoned) wood ever used?
              Type of fuel used
              Is wood burning unit attended at all times?
              Location of unit
              Installed by
                Contractor
                Owner
              Year Installed
              Is stove within 36" of a combustible wall or material?
              Is stove on a noncombustible pad?
              Does pad extend a minimum of 6" beyond sides and back and 18" beyond loading door?
              Are stove legs a minimum 4" long?
              Does stovepipe pass through a combustible wall or ceiling?
              If yes, is the diameter of the thimble collar at least 3 times the diameter of the stovepipe?
              Does the flue used by this unit also service your furnace or fireplace?
              Does the chimney extend 3 feet above the point where it passes through the roof?
              Does the chimney extend 2 feet higher than any peak, wall, or roof within 10 feet of the chimney?
              How often is the flue cleaned?
          Plumbing
            Plumbing in building?
            Plumbing - year installed or updated
            Plumbing - meet building code?
          Electrical
            Is there electrical in building?
            Electrical - year installed or updated
            Does electrical meet building code?
            Generator > 1000 HP?
          Roof
            Year Roof Built/Updated
            Roof Covering
              Aluminum
              Asphalt or Fiberglass shingles
              Built-up, smooth
              Built-up, tar and gravel, rock or smooth
              Copper
              Fiberglass, shingles
              Fiberglass, translucent panels
              Metal sandwich panels
              Mineral fiber
              Single-ply membrane
              Slate
              Steel
              Steel, porcelain coated
              Tile, clay or concrete
              Tile, concrete
              Tin (Terne)
              Shakes, Wood Shingles
              None
          Building Area
            Square Footage
            Liability Square Footage
            Largest Open Area
              < 15,000 sq ft
              15,000 - 25,000 sq ft
              > 25,000 sq ft
          Protection
            Percentage of Sprinklered Area
              Under 60%
              60% - 85%
              Over 85%
            Is the building protected by alarms?
              None
              Local Motion Detector
              Internet or Personal Cellular Alert
              Central Station
            Full-Time Occupancy?
            Type of Alarm
              Fire
              Security
              Both
      Building Clause
        Building
          Loss Settlement
            Replacement Cost
            Actual Cash Value
            Broadened Valuation
            Market Value
            Functional Replacement Cost
          Reason for Functional Replacement Cost
            Insured Request
            Company Requirement
          Roof Loss Settlement
            Same as Building
            Replacement Cost
            Actual Cash Value
            Cosmetic Damage Exclusion
            Functional Replacement Cost
            Exclude Roof
          Building Coinsurance
            80%
            90%
            100%
          Inflation Guard
            No
            4%
            6%
            8%
            10%
            12%
          Building Limit
          Earthquake Deductible Amount
            Exclude Earthquake
            5%
            10%
            12%
            15%
            20%
            25%
            30%
            35%
            40%
          Condo
            Is this a condominium?
            Condominium Assessment Coverage
              $0
              $1,000
              $5,000
              $10,000
            If other, enter amount in increments of $5,000
          Additional Debris Removal Limit
        Ordinance or Law
          Percentage of Building Limit?
          Increased Building Loss?
          Increased Debris Removal Percentage
          Increased Debris Removal Limit
          Increased Cost of Construction Percentage
          Increased Cost of Construction Limit
        Builders Risk
          Builders Risk Limit
          Loss Settlement
            Replacement Cost
            Actual Cash Value
            Broadened Valuation
            Market Value
            Functional Replacement Cost
          Builders Risk Coinsurance
            80%
            90%
            100%
          Perils
            Fire
            Basic
            Basic with Vandalism
            Broad
            Special with Theft
            Special without Theft
          Earthquake Deductible Amount
            Exclude Earthquake
            5%
            10%
            12%
            15%
            20%
            25%
            30%
            35%
            40%
          Builders Risk Type
            Completed Value
            Reporting Form
          Is the building being reconstructed or renovated?
            Yes
            No
          What extent of liability is assumed by the general contractor in the construction contract?
            Insignificant / None
            Substantial
            Total
          Who is the general contractor for this building?
            Insured
            Independent Professional General Contractor
            Other
          Name of the Independent Professional General Contractor
          Phone number of the Independent Professional General Contractor?
          Who will construct the building?
            Labor Type
              Contracted Labor
              Donated Labor
              Other
            Labor Type Percentage
        Tenants Improvements
          Tenants Improvements Limit
          Loss Settlement
            Replacement Cost
            Actual Cash Value
            Broadened Valuation
            Market Value
            Functional Replacement Cost
          Tenants Improvements Coinsurance
            80%
            90%
            100%
          Perils
            Fire
            Basic
            Basic with Vandalism
            Broad
            Special with Theft
            Special without Theft
          Earthquake Deductible Amount
            Exclude Earthquake
            5%
            10%
            12%
            15%
            20%
            25%
            30%
            35%
            40%
      Personal Property
        Personal Property
          Limit Selection Method
            Flat Dollar Amount
            Percentage
          Personal Property Percentage Amount
          Personal Property Dollar Amount
          Loss Settlement
            Replacement Cost
            Actual Cash Value
          Personal Property Coinsurance
            80%
            90%
            100%
          Perils
            Fire
            Basic
            Basic with Vandalism
            Broad
            Special with Theft
            Special without Theft
          Inflation Guard
            No
            4%
            6%
            8%
            10%
            12%
          Earthquake Deductible Amount
            Exclude Earthquake
            5%
            10%
            12%
            15%
            20%
            25%
            30%
            35%
            40%
          Special Load
        Personal Property of Others
          Personal Property of Others Limit
          Inflation Guard
            No
            4%
            6%
            8%
            10%
            12%
          Earthquake Deductible Amount
            Exclude Earthquake
            5%
            10%
            12%
            15%
            20%
            25%
            30%
            35%
            40%
        Spoilage
          Spoilage Limit
            None
            $1,000
            $5,000
            $10,000
            $15,000
            $20,000
            $25,000
            $30,000
            $35,000
            $40,000
            $45,000
            $50,000
          Perils
            Power Disruption
            Power disruption & breakdown/contamination with refrigeration agreement
            Power disruption & breakdown/contamination without refrigeration agreement
            Breakdown/contamination with refrigeration agreement
            Breakdown/contamination without refrigeration agreement
      Property In The Open Clause
        Property In The Open
          Property In The Open Limit
          Loss Settlement
            Replacement Cost
            Actual Cash Value
          Personal Property Coinsurance
            80%
            90%
            100%
          Perils
            Fire
            Basic
            Basic with Vandalism
            Broad
            Special with Theft
            Special without Theft
          Inflation Guard
            No
            4%
            6%
            8%
            10%
            12%
          Earthquake Deductible Amount
            Exclude Earthquake
            5%
            10%
            12%
            15%
            20%
            25%
            30%
            35%
            40%
      Building Inland Marine Clause
        Building Inland Marine
          Building Inland Marine
            Category
              Fine Arts Without Breakage
              Fine Arts With Breakage
              Valuable Papers and Records
              Accounts Receivable
            Inland Marine Type
              Scheduled
              Unscheduled
            Limit
            Building Inland Marine Deductible
              $100
              $250
              $500
              $1,000
              $2,500
              $5,000
            Replacement Cost
      Resident Clause
        Resident
          Resident
            Name
            Deductible
            Resident Personal Property Limit
            Type of Inland Marine
              Inland Marine Type
                Resident IM Jewelry, Fine Arts, etc.
                Resident IM Computers, Collectibles, etc.
                Resident IM Office Equipment, Sports, etc.
                Resident IM Bicycles, etc.
              Limit
            Resident Liability Limit
              $50,000
              $100,000
              $200,000
              $300,000
              $500,000
              $1,000,000
              $1,500,000
              $2,000,000
      Exclusions and Deductibles
        Hail
        Building Hail Deductible Amount
          1%
          2%
          3%
          5%
          10%
          $500
          $1,000
          $1,500
          $2,000
          $2,500
          $3,000
          $4,000
          $5,000
          $6,000
          $7,500
          $10,000
          $12,500
          $15,000
          $17,500
          $20,000
          $25,000
          $30,000
          $35,000
        Wind
        Building Wind Deductible Type
          No separate building deductible
          Designated Tropical Storm
          Designated Windstorm
          Wind
        Building Wind Deductible Amount
          1%
          2%
          3%
          5%
          10%
          $500
          $1,000
          $1,500
          $2,000
          $2,500
          $3,000
          $4,000
          $5,000
          $6,000
          $7,500
          $10,000
          $12,500
          $15,000
          $17,500
          $20,000
          $25,000
          $30,000
          $35,000
    Line Blankets
      Line Blankets
        Blanket Type
          Single Location
          Multiple Locations
          Single Coverage
        Building Coverage
          Building
          Tenants Improvements
          Personal Property
          Personal Property of Others
          Property in the Open
        Description
        Location
        Blanket Limit
    Line Coverages
      Exclusions and Deductibles
        Hail
        Hail Deductible Amount
          No Separate Building Deductible
          1%
          2%
          3%
          5%
          10%
          $500
          $1,000
          $1,500
          $2,000
          $2,500
          $3,000
          $4,000
          $5,000
          $6,000
          $7,500
          $10,000
          $12,500
          $15,000
          $17,500
          $20,000
          $25,000
          $30,000
          $35,000
        Wind
        Building Wind Type
          No separate building deductible
          Designated Tropical Storm
          Designated Windstorm
          Wind
        Wind Deductible Amount
          1%
          2%
          3%
          5%
          10%
          $500
          $1,000
          $1,500
          $2,000
          $2,500
          $3,000
          $4,000
          $5,000
          $6,000
          $7,500
          $10,000
          $12,500
          $15,000
          $17,500
          $20,000
          $25,000
          $30,000
          $35,000
        Property Deductible Amount
          $500
          $1,000
          $1,500
          $2,000
          $2,500
          $3,000
          $4,000
          $5,000
          $6,000
          $7,500
          $10,000
          $12,500
          $15,000
          $17,500
          $20,000
          $25,000
          $30,000
          $35,000
          $40,000
          $45,000
          $50,000
          $60,000
          $75,000
          $100,000
          $200,000
          $250,000
          $300,000
          $400,000
          $500,000
      Rented Personal Property of Others
        Rented Personal Property of Others Limit
      Ordinance Or Law
        Ordinance Or Law Limits
          $350K/$100K/$100K
          $500K/$250K/$250K
          $1M/$500K/$500K
      Water
        Water Damage
          Water Damage Limit
            $2,500
            $5,000
            $10,000
        Sewer and Drain
        Interior Building Damage
          Interior Building Damage Limit
            $10,000
            $25,000
            $50,000
            $100,000
            Other
            Same as Property TIV
        Gutters and Downspouts
      System Equipment Breakdown
      Alternative Energy
        Owned Power Generating Equipment
          Generator over 1,000 kw
          Wind Turbines
          Solar
          Other
        Alternative Energy Breakdown Limit
        Alternative Energy Contractual Loss Limit
        Alternative Energy Physical Damage Limit
      Earthquake Coverage
        Earthquake and Volcano Limit
          $25,000
          $50,000
          $75,000
          $100,000
        Earthquake Sprinkler Limit
          $25,000
          $50,000
          $75,000
          $100,000
          $250,000
          $500,000
          $750,000
          $1,000,000
  Inland Marine
    IM1-IM1
    Inland Marine Coverages
      Contractor's Equipment
        Rented Equipment
          Limit
          Deductible
            $500
            $1,000
            $2,500
            $5,000
        Rental Reimbursement
          Occurrence Limit
          Aggregate Limit
          Deductible
        Additional Acquired Property
      Property in Transit
      Valuable Artwork
        Fine Arts
        Exhibitions
        Dealers
      Medical Equipment
        Dental Equipment and Instruments
        Medical Equipment and Instruments
        Surgical Equipment and Instruments
      Bailee's Customer Coverage
  Crime
    CR1-CR1
    Crime Coverages
      Crime Limit
        Crime Occurrence Limit
          $50,000
          $100,000
          $200,000
          $300,000
          $500,000
    Additional Crime Coverages
      Employee Dishonesty
        Employee Dishonesty Limit
          $2,500
          $5,000
          $7,500
          $10,000
          $15,000
          $20,000
          $25,000
          $30,000
          $35,000
          $40,000
          $45,000
          $50,000
          $75,000
          $100,000
        ERISA Bond?
      Forgery or Alteration
        Forgery or Alteration Limit
          $5,000
          $10,000
          $15,000
          $20,000
          $25,000
      Computer and Funds Transfer Fraud
        Computer and Funds Transfer Fraud Limit
      Theft of Client Personal Property
        Theft of Client Personal Property Limit
      Money and Securities
        Money and Securities Limit
    Exclusions
      Acts Committed by You, Your Partners, or Members
      Acts of Employees, Managers, Directors, Trustees, or Representatives
      Data Security Breach
      Indirect Loss
• $50,000 • 50000
• $100,000 • 100000
• $200,000 • 200000
• $300,000 • 300000
• $500,000 • 500000
• $1,000,000 • 1000000
• $1,500,000 • 1500000
• $2,000,000 • 2000000
This is a shared Liability Limit List
Some values have been filtered
(Same as Policy)
• None
• $250 250
• $500 500
• $1,000 1000
• $2,000 2000
• $2,500 2500
• $3,000 3000
• $4,000 4000
• $5,000 5000
• $7,500 7500
• $10,000 10000
• $15,000 15000
• $20,000 20000
• $25,000 25000
Shared Option List
• $50,000 • 50000
• $100,000 • 100000
• $200,000 • 200000
• $300,000 • 300000
• $500,000 • 500000
$750,000 750000
• $1,000,000 • 1000000
• Same as Policy Occurrence • -50
• $50,000 • 50000
• $100,000 • 100000
• $200,000 • 200000
• $300,000 • 300000
• $500,000 • 500000
• $1,000,000 • 1000000
• $1,500,000 • 1500000
• $2,000,000 • 2000000
• Same as Policy Occurrence • -50
• $50,000 • 50000
• $100,000 • 100000
• $200,000 • 200000
• $300,000 • 300000
• $500,000 • 500000
• $1,000,000 • 1000000
• $1,500,000 • 1500000
• $2,000,000 • 2000000
Class Codes with Descriptions - lookup tables
Class Code and Class Description - lookup tables
List will come from Lookup Tables
Information related to the provided examples:
Assembly (Group A) - places used for people gathering for entertainment, worship, and eating or drinking. Examples: churches, restaurants (with 50 or more possible occupants), theaters, and stadiums. Group A is divided into five sub groups:
A-1 Buildings intended for the production and viewing of performing arts or motion pictures (theaters, concert halls).
A-2 Buildings intended for food and/or drink consumption (restaurants).
A-3 Buildings intended for worship, recreation or amusement and other assembly uses not otherwise classified.
A-4 Buildings intended for viewing of indoor sporting events and activities with spectator seating (arenas).
A-5 Buildings intended for participation in or viewing outdoor activities (stadiums).
Business (Group B) - places where services are provided (not to be confused with mercantile, below). Examples: banks, insurance agencies, government buildings (including police and fire stations), and doctor's offices.
Educational (Group E) - schools and day care centers up to the 12th grade.
Factory (Group F) - places where goods are manufactured or repaired (unless considered "High-Hazard" (below)). Examples: factories and dry cleaners.
High-Hazard (Group H) - places involving production or storage of very flammable or toxic materials. Includes places handling explosives and/or highly toxic materials (such as fireworks, hydrogen peroxide, and cyanide).
Institutional (Group I) - places where people are physically unable to leave without assistance. Examples: hospitals, nursing homes, and prisons. In some jurisdictions, Group I may be used to designate Industrial.
Mercantile (Group M) - places where goods are displayed and sold. Examples: grocery stores, department stores, and gas stations.
Residential (Group R) - places providing accommodations for overnight stay (excluding Institutional). Examples: houses, apartment buildings, hotels, and motels.
Storage (Group S) - places where items are stored (unless considered High-Hazard). Examples: warehouses and parking garages.
Utility and Miscellaneous (Group U) - others. Examples: water towers, barns, towers.
• $50,000 • 50000
• $100,000 • 100000
• $200,000 • 200000
• $300,000 • 300000
• $500,000 • 500000
• $1,000,000 • 1000000
• $1,500,000 • 1500000
• $2,000,000 • 2000000
This is a shared Liability Limit List
Some values have been filtered
(Same as Policy)
Could be separated by Onsite/Offsite with different limits