Coverage Overview


Home Health Care





 

 
PROPERTY COVERAGES
The extra property coverages included in the Basic, Broad and Special Policies include:
• $2,000,000 Newly Acquired or Constructed Property (180 days)
• $50,000 Personal Effects and Property of Others at the insured’s premises for any one occurrence
– $2,500 Personal Effects and Property of Others off-premises
• $100,000 Valuable Papers and Records, Cost of Research (other than Electronic Data)
• $5,000 Electronic Data – replace or restore
• Ordinance or Law:
– $1,000,000 per building
– Loss of value of the undamaged portions of a building
– Demolition costs and debris removal
– Increased cost of construction
• $50,000 Appurtenant Buildings and Property in the Open
• $100,000 Property Off-Premises, including $50,000 Property In-Transit
• $50,000 Total for Trees, Shrubs, Plants and Lawns; up to $2,500 per item
• Indirect Loss – $250,000 for any one or combination of the following:
– Business Income including Rental Value
– Extra Expense
– Civil Authority
– Alterations and New Buildings
– Crisis Event
• $100,000 Emergency Evacuation, including Civil Authority
• $15,000 Outdoor Signs
• $50,000 Alternate Key Systems
• $10,000 Lock Repair or Replacement
• $15,000 Information Reward: Arson, Theft and Vandalism
• Sewer, Drain or Sump Backup or Overflow
• Actual cost for Fire Department Service Charge
• $50,000 Pollutant Cleanup and Removal
• Debris Removal included in Building Limit (25% maximum), $50,000 Additional Available Limit
• $15,000 Radio, Television Antennas and Satellite Dishes
• $25,000 Fire Extinguisher and Automatic Fire Suppression Recharge – Blanket Insurance
• $50,000 Refrigerated Product Loss
• $10,000 Earthquake Sprinkler  Leakage
• $100,000 Utility Services – Direct and Indirect Damage for each occurrence
• $5,000 Non-Owned Detached Trailers
• $25,000 Maintenance Equipment Coverage
• $10,000 Automated External Defibrillator Coverage
• $100,000 Accounts Receivable Coverage
• $25,000 Fire and Security Alarm System Upgrade (Limited to 25% of loss)
• $10,000 Loss Data Preparation  Expenses
• $10,000 Communicable Disease, and Business Income and Extra Expense
• $10,000 Contaminated Food Business Income and Extra Expense
• $100,000 Emergency Evacuation Expense
• $25,000 Key Person Replacement Expense


LIABILITY FOR RESIDENTS PROPERTY
• $5,000 Property other than Money and Securities
• $500 Money and Securities in a safe deposit box
 
EQUIPMENT BREAKDOWN COVERAGE
This provides coverage for direct physical damage resulting from mechanical breakdown, artificially generated electric current, steam explosion, or other loss or damage to steam and water heating equipment.
  
  Also included:
• Expediting Expense –  $50,000
• Hazardous Substances –  $50,000
• Spoilage – $100,000
• Data Restoration – $50,000
• Animals – $50,000
• Service Interruption (up to the limit of Business Income and Extra Expense coverage)


LIABILITY COVERAGES INCLUDED
• Newly-Acquired and Formed Organizations (same or similar business)
• Automatic Additional Insured status for: Lessor of Leased Land; State or Political Subdivision; and Architects, Engineers or Surveyors
• Employed Nurses and Nursing Students – included as insured persons
• Bail bonds (up to $2,500)
• Loss of Earnings (up to $500 daily) while assisting in the defense of a claim
• Loss to Property of Others (up to $1,000)
• Up to $5,000 for Lost Wages Coverage
• $10,000 for Medical Payments Coverage
• Barbers and Beautician Incidental Coverage
• Damage to premises rented to you – included up to specified limit
• Intentional Injury Coverage for Bodily Injury and Property Damage resulting from reasonable force to protect people and property
• Crisis Management Coverage ($300,000 total limit)
– $200,000 Individual Expense Aggregate
$50,000 Individual Medical Expenses
$2,500 Individual Counseling Expenses
– $100,000 Organizational Expense Aggregate Limit
Group Counseling Additional Security Public Relations Service
Transportation of residents to and from a substitute premise
• Counseling Liability
– Automatically included within definition and limit applicable to Personal and Advertising Injury, when performed by an employed minister, employee or volunteer for spiritual counseling Performed by licensed mental health practitioner. Available by endorsement when counseling is provided for a fee
 



 

This brochure is not a contract. Please see the policy for details on coverage. Due to applicable state laws, certain coverages may not be available in your state. Some coverages may be subject to limitations. Please see your local GuideOne agent for product availability.