Property and general liability

Property

Selection of base property broadening endorsements that add or enhance more than 65 coverages

Coverage Blanket limit/coverage	Bronze 411-0791 $25,000	Silver 411-0792 $250,000	Gold 411-0793 $500,000	Platinum 411-0794 $1,000,000
Accounts receivable	Included in blanket limit of $25,000	Included in blanket limit of $250,000	Included in blanket limit of $500,000	Included in blanket limit of $1,000,000
Back up or overflow of a sewer, drain or sump	n/a	$100,000	Included	Included
Brands and labels	Included	Included	Included	Included
Broadened building coverage	Included	Included	Included	Included
Broadened business personal property	Included	Included	Included	Included
Business income and extra expense – dependent properties	n/a	$100,000	$150,000	$250,000
Business income and extra expense – lease cancellation	$5,000	$25,000	$50,000	$50,000
Business income and extra expense – transit	$5,000	$50,000	$75,000	$100,000
Business personal property in storage units	Included	Included	Included	Included
Business personal property in transit	$25,000	$100,000	$100,000	$150,000
Business personal property off premises	$25,000	$100,000	$250,000	$250,000
Catastrophe allowance	n/a	$25,000	$50,000	$50,000
Computer and funds transfer fraud	$5,000	$50,000	$50,000	$50,000
Consequential loss to stock	Included	Included	Included	Included
Contract penalties	$5,000	$25,000	$50,000	$100,000
Debris removal	$25,000	$100,000	$250,000	$250,000
Deferred payments	Included in blanket limit of $25,000	Included in blanket limit of $250,000	Included in blanket limit of $500,000	Included in blanket limit of $1,000,000
Denial of access to premises	30 days 72-hour waiting period	30 days 72-hour waiting period	30 days 72-hour waiting period	30 days 72-hour waiting period
E-commerce	$2,500	$25,000	$50,000	$50,000
Electronic data processing equipment	Included	Included	Included	Included
Employee theft including ERISA compliance	$10,000	$100,000	$250,000	$250,000
Employee tools and work clothing	$5,000	$10,000	$25,000	$25,000
Expediting expense	$10,000	$25,000	$50,000	$50,000
Extended business income	n/a	90 days	180 days	180 days
Extended coverage on property – within 2,000 feet	Included	Included	Included	Included
Extra expense	$25,000	$50,000	$300,000	$300,000
Fine arts	Included in blanket limit of $25,000	Included in blanket limit of $250,000	Included in blanket limit of $500,000	Included in blanket limit of $1,000,000
Fire department service charge	Included in blanket limit of $25,000	Included in blanket limit of $250,000	Included in blanket limit of $500,000	Included in blanket limit of $1,000,000
Fire protection equipment recharge	Included	Included	Included	Included
Food contamination	$5,000	$10,000	$25,000	$25,000
Food contamination – additional advertising expense	$3,000	$3,000	$3,000	$3,000
Forgery or alteration	$5,000	$50,000	$100,000	$100,000
Foundation and underground pipes	n/a	Included	Included	Included
International air shipments	$10,000	$25,000	$50,000	$50,000
Inventory and loss appraisal	$25,000	$100,000	$250,000	$300,000
Key replacement and lock repair	$5,000	$15,000	$20,000	$20,000
Leasehold interest	$25,000	$50,000	$150,000	$250,000
Lessor’s tenant move expenses	$5,000	$25,000	$50,000	$50,000
Marring and scratching	Included	Included	Included	Included
Money and securities	$5,000	$25,000	$50,000	$50,000
Money orders and counterfeit money	$5,000	$25,000	$50,000	$50,000
Movement of property	Included in blanket limit of $25,000	Included in blanket limit of $250,000	Included in blanket limit of $500,000	Included in blanket limit of $1,000,000
Newly acquired locations – business income and extra expense	$100,000	$250,000	$250,000	$250,000
Newly acquired or constructed property – building	$500,000	$1,000,000	$2,000,000	$2,000,000
Newly acquired or constructed property – business personal property	$250,000	$500,000	$1,000,000	$1,000,000
Non-owned detached trailers	$5,000	$25,000	$25,000	$50,000
Ordinance or law – coverage for loss to the undamaged portion of the building	Included	Included	Included	Included
Ordinance or law Demolition cost coverage Increased cost of construction	$100,000	$300,000	$500,000	$500,000
Outdoor property	Included in blanket limit of $25,000	Included in blanket limit of $250,000	Included in blanket limit of $500,000	Included in blanket limit of $1,000,000
Personal effects and property of others	Included in blanket limit of $25,000	Included in blanket limit of $250,000	Included in blanket limit of $500,000	Included in blanket limit of $1,000,000
Pollutant clean-up and removal	$10,000	$50,000	$100,000	$150,000
Preservation of property	90 days	90 days	90 days	90 days
Preservation of property – expense	$10,000	$25,000	$50,000	$100,000
Prototypes	Included	Included	Included	Included
Research and development documentation	Included in blanket limit of $25,000	Included in blanket limit of $250,000	Included in blanket limit of $500,000	Included in blanket limit of $1,000,000
Rewards	$5,000	$50,000	$75,000	$100,000
Sales representative samples	$10,000	$25,000	$25,000	$50,000
Soft costs	$5,000	$10,000	$25,000	$50,000
Temporary relocation of property	$25,000	$50,000	$100,000	$100,000
Theft damage to building	Included	Included	Included	Included
Undamaged tenants improvements and betterments	$10,000	$25,000	$50,000	$100,000
Underground water seepage	n/a	$25,000	$50,000	$150,000
Unintentional property reporting errors	$500,000	$500,000	$500,000	$500,000
Unnamed locations	$20,000	$100,000	$150,000	$200,000
Utility services – business income	$5,000	$50,000	$100,000	$100,000
Utility services – direct damage	$5,000	$50,000	$100,000	$100,000
Valuable papers and records	Included in blanket limit of $25,000	Included in blanket limit of $250,000	Included in blanket limit of $500,000	Included in blanket limit of $1,000,000
Voluntary parting	$10,000	$25,000	$50,000	$100,000
Water damage, other liquids, powder or molten material damage	n/a	$25,000	$50,000	$50,000
Windblown debris	$2,500	$5,000	$10,000	$10,000
Worldwide business personal property off premises	$10,000	$45,000	$75,000	$100,000

General liability 

Suite of general liability broadening coverage that add or enhance over 13 coverages

CGL broadening endorsement 421-2915
Coverage	Limits
Additional insured by contract, agreement or permit	Included
Additional insured — primary and non-contributory	Included
Blanket waiver of subrogation	Included
Bodily injury redefined	Included
Broad form property damage — borrowed equipment, customers goods and use of elevators	Included
Knowledge of occurrence	Included
Liberalization clause	Included
Medical payments — increased reporting period	Included
Newly acquired or formed organizations — covered until end of policy period	Included
Non-owned watercraft	51 feet
Supplementary payments increased limits – Bail bonds – Loss of earnings per day	$2,500 $1,000
Unintentional failure to disclose hazards	Included
Unintentional failure to notify	Included

• Per project aggregate
• Blanket additional insured
• Contractors limited pollution liability endorsement
• Add the contractors general liability broadening endorsement below to the base general liability broadening endorsement to further tailor coverage. 

Additional coverage options

• Business owner’s policy, including contractors broadening endorsement
• Commercial auto
• Equipment breakdown coverage
• Industrial property
• Pollution liability
• Umbrella
• Workers’ compensation​​​​​​​

Visit Hanover Specialty Excess & Surplus for non-admitted property and casualty coverage.

Hanover Contractors Advantage protects against the unique risks faced by construction businesses. Unlock the Hanover advantage.