Dentist's Property Coverage

• Subject to Special Causes of Loss,¹
• Includes buildings and structures, plus fixtures (including outdoor fixtures); permanently installed machinery and equipment; permanently attached signs, awnings and canopies; building glass and foundations.
• Provides valuation options to insure at replacement cost or actual cash value,
• Automatically increases the building limit of insurance 2% per year.²
• Covers damage due to water backup of sewers, drains, septic systems or sump pumps up to $25,000 (except Florida).
• Responds to closures from the enforcement of ordinances or laws regulating the demolition or restoration of a damaged building (up to $25,000).²

¹Special Cause of Loss means the policy insures risks of direct physical loss to covered property, except as specifically excluded or limited in the policy.
²Coverage may be increased for an additional charge.

• Subject to Special Causes of Loss.¹
• Includes owned property; personal property of others in your care, custody or control; tenants improvements and betterments plus sales samples.
• Includes leased personal property when contractually responsible to insure.
• Provides valuation options to insure at replacement cost or actual cash value.
• Covers damage due to change in temperature or humidity.
• Earthquake and flood (except Florida).
• Property off premises is covered up to $25,000² each while at:
  • temporary locations.
  • exhibitions, conferences and fairs.
  • in transit or in or on a vehicle, including loading or unloading.

¹Special Cause of Loss means the policy insures risks of direct physical loss to covered property, except as specifically excluded or limited in the policy.
²Coverage may be increased for an additional charge.

• Accounts receivable - Special Causes of Loss¹ including flood and earthquake (up to $100,000).²
• Electronic data processing property - Covers hardware, software, manuals, duplicate data and peripheral equipment (up to $25,000).² Includes mechanical breakdown and electrical disturbances within 1,000 feet ($1,000 deductible). Covers EDP equipment in transit or off premises.
• Employee dishonesty - $25,000.²
• Money and securities - Pays for loss of money and securities on premises (up to $15,000)² and off premises (up to $5,000).²
• Newly acquired/constructed property - Buildings and business personal property are covered for 90 days (up to $1,000,000 and $500,000 respectively)
• Outdoor signs (on premises) - $10,000.²
• X-rays and valuable papers and records - Special Causes of Loss¹, including flood and earthquake (up to $100,000).²

¹Special Cause of Loss means the policy insures risks of direct physical loss to covered property, except as specifically excluded or limited in the policy.
²Coverage may be increased for an additional charge.

• Subject to Special Causes of Loss.¹
• Pays valued daily loss of income up to $500 per day (up to 30 days).²
• Pays excess over the valued daily loss for actual loss sustained that is documented (up to 12 consecutive months).
• Replaces lost rental income based on actual loss sustained (up to 12 consecutive months).
• Pays extra expenses necessary to continue operations, based on actual loss sustained (up to 12 consecutive months).
• Extended business income based on actual loss sustained (up to 12 consecutive months).

¹Special Cause of Loss means the policy insures risks of direct physical loss to covered property, except as specifically excluded or limited in the policy.
²Coverage may be increased for an additional charge.

• CinciPlus^® CinciPak^TM Medical/Dental Office Property XC+^® Endorsement - Provides a $150,000 blanket limit above the base limits for accounts receivable; data processing equipment; electronic data processing; property and media; debris removal; valuable papers and records³; water back-up of sewer, drains, septic systems or sump pumps.
• Equipment Breakdown Coverage (including production equipment) - Includes medical equipment. Machinery and equipment coverage can be added to protect you from costly repairs and business interruptions due to a covered cause of loss to covered equipment.

³Available in most states.