Building Coverage – Extensive in definition, including not just the building, but also permanently installed fixtures, machinery and equipment, outdoor fixtures and furniture, and personal property used to service the premises. This coverage will also normally cover additions under construction, alterations/repairs to the building and temporary structures within 100 feet of the insured premises.
Business Personal Property – Includes furniture, fixtures, machinery, equipment, stocked merchandise, and other owned personal property used in business.
Personal Property of Others – Covers property of others in insured’s care, custody or control for same perils covering insured’s business personal property.
Business Income with Extra Expense – Business income is designed to replace income that is lost due to a covered loss. Extra expense pays certain extra expenses the insured incurs to avoid or minimize a business shutdown.