American Association of Insurance Services

Property Coverage Part: Building Property
Coverage Features		COP-XL	COP 3.0	COP 2.0
- Additions - Fixtures, Machinery, Equipment - Outdoor Fixtures - Property Used to Maintain Building - Building Under Construction - - Materials, Equipment, Supplies - - Interest of Contractors - Building Glass - Radio/TV Towers - Awnings - Fences - Signs - Foundations, Machinery, Boiler - Pilings, Piers, Wharves - Underground Pipes - Bridges, Walkways, Roadways		Covered	Covered except for the following: Pilings, Piers, Wharves Underground Pipes Bridges, Walkways, Roadways - See Supplemental Coverages for coverage provided and applicable limit	Covered except for the following: Foundations, Machinery, Boiler Pilings, Piers, Wharves Underground Pipes Bridges, Walkways, Roadways - See Supplemental Coverages for coverage provided and applicable limit
Property Coverage Part: Business Personal Property
Coverage Features		COP-XL	COP 3.0	COP 2.0
- Tenant Improvements -- Undamaged Improvements - Leased Property - Property of Others - Your Labor - Computers - Installation Projects - Mobile Equipment - Property of Others		Covered	Covered	Covered except for the following: Undamaged Improvements
Property Coverage Part: Coverage Extensions and Supplemental Coverages For COP-XL and COP 3.0, limits may be adjusted (increased or decreased) on the schedule of coverages.
Coverage Features		COP-XL	COP 3.0	COP 2.0
Accounts Receivable		$100,000	$50,000	$50,000
Brand or Labels Expense		$100,000	$50,000	$50,000
Computer Virus and Hacking		Not excluded, therefore, covered up to the applicable Business Personal Property Limit (Future optional limitation endorsement)	$25,000 occ/ $50,000 ann agg	Not excluded, therefore, covered up to the applicable Business Personal Property Limit
Consequential Loss		Policy Limit	Policy Limit	$10,000
Debris Removal		25% + $100,000	25% + $50,000	25% + $5,000
Fine Arts		$100,000	$100,000	$50,000
Fire Department Service Charge		$25,000	$25,000	$5,000
Underground Pipes, Pilings, Bridges, and Roadways		See Building Property	$250,000	See Below
Foundations of Buildings, Pilings, and Underground Pipes,		See Building Property	See Building Property	10% or $250,000 whichever is less
Fraud and Deceit		$50,000	$5,000	Not Covered
Inventory and Appraisal Expense		$100,000	$50,000	$50,000
Off Premises Utility Interruption		Policy Limit	$50,000	Not Covered
Ordinance or Law - Cost to Demolish - Increased Cost to Repair		$250,000	$100,000	$50,000
Ordinance or Law - Loss of Undamaged Parts		Policy Limit	Policy Limit	Included in above $50,000 sub-limit
Overseas Transit/Location		$100,000	Not Covered	Not Covered
Personal Effects		$25,000	$15,000	$10,000
Pollutant Cleanup		$50,000	$50,000	$25,000
Property in Transit		$100,000	$50,000	$50,000
Recharge Fire Extinguishing Equipment		$50,000	$50,000	$10,000
Rewards		$10,000	$10,000	$5,000 (arson only)
Sewer Backup		$100,000	$25,000	Not covered
Trees, Shrubs, and Plants		$50,000	$50,000	$50,000
Valuable Papers		$100,000	$100,000	$50,000
CFC Refrigerants (EB only)		$50,000	Not Covered	Not Covered
Damage from Theft		Policy Limit	Policy Limit	Not Covered
Defense Costs (EB only)		Policy Limit	Not Covered	Not Covered
Electrical/Magnetic Disturbance of Computers		Policy Limit	Policy Limit	Not Covered
Emergency Removal		365 days	365 days	10 days
Emergency Removal Expenses		$25,000	$5,000	Not covered
Expediting Expenses		$50,000	$50,000	Not Covered
Installment Sales		$100,000	Not Covered	Not Covered
Off Premises computers		$50,000	$25,000	Not Covered
Software Storage		$100,000	$50,000	Not Covered
Pollutant (EB only)		$50,000	Not Covered	Not Covered
Power Supply Disturbance of Computers		Policy Limit	Policy Limit	Not Covered
Property on Exhibition		$100,000	$50,000	$50,000
Sales Representative Samples		$100,000	$50,000	$50,000
Newly Built or Acquired Buildings		Coverage included unless Scheduled Locations Endorsement attached then sub-limit of $2,000,000 applies subject to time limitation	Coverage included unless Scheduled Locations Endorsement attached then sub-limit of $500,000 applies subject to time limitation	See Newly Acquired Buildings
Newly Acquired Buildings		See Newly Built or Acquired Buildings	See Newly Built or Acquired Buildings	Coverage included unless Scheduled Locations Endorsement attached then sub-limit of $500,000 applies subject to time limitation
Personal Property at Acquired Locations		Coverage included under the applicable Business Personal Property limit; unless Scheduled Locations Endorsement is attached then a sublimit of $250,000 applies subject to time limitation.	Coverage included under the applicable Business Personal Property limit; unless Scheduled Locations Endorsement is attached then a sublimit of $250,000 applies subject to time limitation.	Coverage included under the applicable Business Personal Property limit; unless Scheduled Locations Endorsement is attached then a sublimit of $250,000 applies subject to time limitation.
Equipment Breakdown Coverage Part
Coverage Features		COP-XL	COP 3.0	COP 2.0
Coverage		Coverage built into Property Coverage Part	Optional coverage part	Optional coverage part
Time Element Coverage
Coverage Features		COP-XL	COP 3.0	COP 2.0
Coverage		Optional coverage part	Optional coverage part	Optional coverage part
Coverage Options		--Earnings, rents, extra expense --Earnings, extra expense --Rents, extra expense --Extra expense only	--Earnings, rents, extra expense --Earnings, extra expense --Rents, extra expense --Extra expense only	--Earnings, rents, extra expense --Earnings, extra expense --Rents, extra expense --Optional coverage part must be used for --Extra expense only
Time Element Coverage - Coverage Extensions and Supplemental Coverages For COP-XL and COP 3.0, limits may be adjusted (increased or decreased) on the schedule of coverages.
Coverage Features		COP-XL	COP 3.0	COP 2.0
Off Premises Utility Interruption		$250,000	$10,000	Not Covered
Research and Development Projects		Policy Limit	Not Covered	Not Covered
Ordinance or Law, Increased Restoration Period		Included	Included	Not Covered
Dependent Locations		$250,000	$100,000	Not covered
Interruption by Civil Authority		30 days	30 days	2 weeks
Alteration and New Buildings		See Newly Built or Acquired Locations	See Newly Built or Acquired Locations	Policy Limit
Newly Acquired Locations		See Newly Built or Acquired Locations	See Newly Built or Acquired Locations	10% or $250,000 whichever is less
Newly Built or Acquired Locations		Coverage included unless Scheduled Locations Endorsement attached then sub-limit of $500,000 applies	Coverage included unless Scheduled Locations Endorsement attached then sub-limit of $250,000 applies	See Alteration and New Buildings and Newly Acquired Locations above
Period of Loss Extension		90 days	90 days	30 days
Contractual Penalties		$50,000	$25,000 occ/$100,000 ann agg	Not Covered
Interruption of Web Site		$50,000	Not Covered	Not Covered
Pollutants, Land or Water		$50,000	$25,000	Not Covered
Property in Transit, on Exhibition, in custody of Sales Representatives		$50,000	$10,000	Not Covered
Crime Coverage Part
Coverage Features		COP-XL	COP 3.0	COP 2.0
Coverage	Two Optional Coverage Parts		Three Optional Coverage Parts		Two Optional Endorsements
Forms and Coverage	Loss Sustained - Employee Dishonesty - Money and Securities - Computer/Telecom Fraud - Counterfeit Money - Forged Credit Card Written Instrument - Forged Checks Discovery Period Form - Employee Dishonesty - Money and Securities - Computer/Telecom Fraud - Counterfeit Money - Forged Credit Card Written Instrument - Forged Checks		Loss Sustained - Employee Dishonesty - Money and Securities Loss Sustained - Employee Dishonesty - Money and Securities - Computer/Telecom Fraud - Counterfeit Money - Forged Credit Card Written Instrument - Forged Checks Discovery Period Form - Employee Dishonesty - Money and Securities - Computer/Telecom Fraud - Counterfeit Money - Forged Credit Card Written Instrument - Forged Checks		Loss Sustained Endorsements - Employee Dishonesty - Money and Securities
ERISA	Covered		Covered		Not Covered