Building and Business Personal Property for
replacement cost with no coinsurance.
included up to $25,000 on and off premises. On
premises limit may be increased.
Deductible does not apply.
Business Income and Extra Expense:
Covers income that is lost due to suspended
operations caused by damage at the described
premises from a covered cause of loss. This is an
optional coverage for Pac PlusSM.
Automatically included and includes rental value.
Included on an Actual Loss Sustained basis for up to
12 consecutive months.
Coverage may also be written on a policy or location
level basis for any dollar limit without the
Office Pac PlusSM
When selected, the coverage may be written with a
policy or location level dollar limit. The dollar
limit is based on 50 percent of annual receipts and
may be modified.
Business Personal Property Off Premises
- such as physicians equipment and
Coverage for Business Personal Property Off
Premises is provided, including while in transit or
temporarily away from the scheduled premises and at
a premises you do not own, lease or operate; or at
any fair, trade show, or exhibition.
Employee Dishonesty and Forgery or Alteration
coverage are both included up to $25,000 and limit
may be increased.
Money and Securities are included within
Business Personal Property. Theft of Money and
Securities is limited to $25,000 for Offi e
Pac Plus. Limit may be increased.
Theft Damage to Rented Property coverage is
included within Business Personal Property when
tenant is contractually obligated to make repairs.
Electronic Data Processing Equipment, Data and
Coverage is included subject to the Business
Personal Property limit, for a maximum of $50,000.
Limit may be increased.
Coverage applies worldwide.
Enhanced perils under this Coverage Extension
include protection against loss by electrical
current, mechanical breakdown and power failure.
Off premises (including transit) coverage,
backup data off-premises coverage, and newly
acquired equipment coverage is included up to
Coverage for Equipment Breakdown is included
within applicable limits.
Diagnostic equipment, power-generating
equipment, and production equipment are limited to
$100,000 for direct damage. Limit may
Service interruption of water, communication,
or power supply services is covered from a covered
breakdown (when Business Income and Extra Expense is
- Up to $25,000.
Coverage applies anywhere in the coverage
The breakage limitation does not apply.
Special valuation terms.
Limit may be increased.
Coverage for Signs within 1,000 feet is
included within the Building limit when building
coverage is written or within Business Personal
Property limit when tenant is contractually
Valuable Papers and Records
- such as patient files:
Coverage is included up to $25,000 on and off
premises. On premises limit may be increased.
Includes the cost to research, replace or
restore lost information.
General Liability Highlights
General Liability Coverage
protects you against claims for damages
because of bodily injury or property damage to
others resulting from your business operations.
General Liability Limits of $1 million per
occurrence / $2 million aggregate are standard for
Office Pac and Office Pac Plus
with an option for higher limits of
$2 million per occurrence / $4 million
aggregate available for Office Pac.
Advertising Injury and Personal Injury.
Medical Payments for $5,000 per person.
Damage to Premises Rented to You is included
up to $300,000. Limit may be increased.
Blanket Contractual for all insured contracts.
Host liquor liability.
Limited worldwide coverage.
Products/Completed Operations coverage is
included. (May be excluded on Office Pac Plus).
Web XTEND® endorsement
is automatically provided for most Offices. Coverage
includes personal injury, advertising injury and
worldwide Web site injury protection (some
Medical and Dental Offices Endorsement
– designed specifically for medical and
dental professionals – enhances more than 24
coverage features. See chart on next page for more
Denial of Service Attack –
Time Element – optional coverage enhancement
available when Business Income and Extra Expense is
Coverage for Business Income
and Extra Expense due to the necessary suspension of
electronic commerce computer operations due to a
denial of service attack.
Up to a limit of $10,000.
Other Options Available:
Higher limits for most individual coverage
ERISA Welfare and Pension.
Building Owners Endorsement.
Water or Sewer Back up and Sump Overflow.
Hired and Non-owned Auto Liability.
XTEND Endorsement® for
liability coverage enhancement – It provides 15
extensions of coverage including:
Broadened Named Insured.
Blanket Additional Insured – Managers or
Lessors of Premises or Leased Equipment.
Veterinarian’s Professional Liability coverage
In today’s ever-changing workers compensation
climate, it is critical to have the best insurance
carrier working with you to protect your employees
and fight rising loss cost trends.
Claim and medical professionals to promptly
handle, investigate and resolve your claims.
Early intervention medical networks and
return-to- work strategies to control claim costs,
enabling your injured employee to return to work
when medically appropriate.
Information directly to the injured employee
via the Internet. Employees can go online to review
their claim payment information and obtain
medical self-care tips.
Workers Compensation may also be written on a
To protect against liability or physical
damage losses. Travelers offers:
Commercial auto coverage providing protection
for physical damage to and liability for use of your
Ability to tailor coverage for hired and
non-owned auto exposures.
Capacity to write multi-state exposures on one
Select Auto CoveragePlusSM endorsement
adds nine new coverage enhancements in one coverage
form (not available in all states).
Automobile insurance may be written on a
* Multi states capability does not apply
in HI and MA.
Provides protection above the General
Liability, Automobile Liability and Employer’s
Liability coverages on your underlying insurance
policies. The Umbrella policy can provide primary
coverage in certain situations depending on the
scope of the underlying coverage.
Protection above the General Liability,
Automobile Liability and Employer’s coverages on
your underlying insurance policies.
Broadens the defi ion of Named
Expanded defi ion of Bodily
Automatic coverage for newly acquired or
formed organization without the 90-day limitation.
Umbrella limits are available for up to $25
million of total aggregate protection.