Farm buildings, equipment, and livestock
Liability arising out of farm operations
Farm dwelling and its personal property
Errors or omissions
Contingent business income
Electrical failure, including arcing
Leakage at any valve, fitting, shaft seal, gland packing, joint, or connection
Failure of pressure or vacuum equipment
Mechanical failure, including rupture or bursting caused by centrifugal force
They cover the insured's liability arising out of rendering or failing to render services of a professional nature.
They duplicate the coverage provided by the CGL policy.
They are tailored to fit specific occupational needs.
They cover most general liability and automobile liability losses.
Workers Compensation and Employers Liability insurance
Employment Practices Liability insurance
Any of the above
Difference in Conditions policy
Commercial Umbrella policy
It excludes coverage for basic perils such as fire, lightning, and windstorm.
It is written in conjunction with policies that cover basic perils.
It does not have a deductible requirement.
It covers property and liability exposures.
Principal and obligee
Principal, obligee, surety
Surety and obligee
Principal and surety
Business income losses and/or extra expenses
Losses because of spoilage damage
Damage caused by fire or combustion explosion
Deductibles apply separately for each applicable coverage unless the deductibles are shown as "combined" for any two or more coverages.
A single deductible applies to all applicable coverages.
Deductibles are always stated as a specific dollar amount.
There are no deductibles under this coverage.
On 30 days' advance notice to the insured
At the end of the policy period
Immediately on delivery of written notice to the insured
On 15 days' advance notice when sent by certified mail