Coverages to help assist with a breach:
The Standard Aggregate inclusive of all coverages above is $25,000, with optional limits available of $50,000, $100,000 and $250,000. These coverages include additional services, such as:
You are more connected than ever and criminals know the information accessed by your family is valuable. Criminals steal passwords, data, money and identities. Even worse than financial loss is the threat of cyber bullying and reputational harm. Family cyber protection helps you by guarding your loved ones from these dangers.
Online risks take many forms for you and your family. Coverages include:
Service Line coverage provides protection against a leak, break, tear, rupture, collapse or arcing of a covered underground service line caused by:
The “covered service line” must be:
The amounts vary depending on the fire class your business falls in. The combined amount of the building and business personal property can go up to $500,000. Contact your agent to learn more and find out the maximum amount of coverage you might be eligible for.
You should consult your specific policy for coverages and exclusions.
Your policy may contain a small amount of coverage for business property. If you have a business in your home, you should get a separate policy for that business property. Contact your agent to get a quote.
There may be items that are excluded or have limited coverage. You should consult your policy for these excluded or limited items.
If your policy contains personal property coverage, these items would be covered—subject to the policy deductible—up to the policy limit in the event of a covered loss. If they are used for business purposes, there would be a limitation on the amount of coverage.
There may be limited coverage for trees and shrubs, but the coverage is also limited to certain events. You should check with your agent for coverage details.
A roof exclusion generally means your roof is worn out. We are unable to allow coverage for roofs that have exceeded their useful life. Your roof will also be excluded if the roofing cover is a material which is ineligible for coverage with us.
Please refer to your specific policy for the list of exclusions and coverages. If you have questions, please contact your agent for assistance in understanding your policy.
Please contact your agent so that they may assist you in changing your policy or understanding your current coverages. You can get a copy of your current declaration page from your agent or by requesting a copy from our home office.
Disclaimer: These FAQs do not replace or override the wording in your policy. You should read your dec page and policy for specific policy provisions, limitations and exclusions. For a complete explanation of coverages, please consult one of our licensed agents.