Property Coverage: - CPP Product
- Property values up to $3 million
- Minimum deductible
- Business Income- HIC does not offer ALS, must indicate limits and coinsurance, monthly limitation or maximum period of indemnity
- Mixed Occupancies - habitational - must have interconnected, hardwired smoke detectors throughout entire building
- ACORD 140 application accepted and ACCORD Restaurant Supplement (if HIC LL application is not completed)
- Expanded property damage coverage
- Equipment Breakdown is not available in Rhode Island.
Property Enhancement Endorsement (optional coverage for $500)
Highlights include:
- Spoilage due to mechanical breakdown
- Employee Theft
- Money & Securities - inside/outside
- Electronic Data
- Building Endorsement
- Brands & Labels
- Personnel effects and property of others
- Property off premises
- Off premises utility service failure
Other Endorsements
HIC offers an additional property endorsement to help meets the needs of their clients:
Highlights include:
- Loss of income
- Spoilage, including power outages, contamination, breakdown
- Sign coverage
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