Commercial Property Program Causes of Loss Forms Comparison

Covered Causes Of Loss

CP 10 10–Basic

CP 10 20–Broad

CP 10 30–Special

Fire

Covered

Covered

Covered

Lightning

Covered

Covered

Covered

Explosion

Covered

Covered

Covered

Wind and hail

Covered

Covered

Covered

Smoke

Covered

Covered

Covered

Aircraft/vehicle

Covered

Covered

Covered

Riot or civil commotion

Covered

Covered

Covered

Vandalism

Covered

Covered

Covered

Sprinkler leakage

Covered

Covered

Covered

Sinkhole/collapse

Covered

Covered

Covered

Volcanic action

Covered

Covered

Covered

Falling objects

Not Covered

Covered

Covered

Weight of ice, sleet and snow

Not Covered

Covered

Covered

Water damage

Not Covered

Covered

Covered

Risks of direct physical loss unless excluded or limited

Not Covered

Not Covered

Covered

Exclusions

CP 10 10–Basic

CP 10 20–Broad

CP 10 30–Special

Ordinance or law

Excluded

Excluded

Excluded

Earth movement

Excluded

Excluded

Excluded

Governmental action

Excluded

Excluded

Excluded

Nuclear hazard

Excluded

Excluded

Excluded

Utility services

Excluded

Excluded

Excluded

War and military action

Excluded

Excluded

Excluded

Water

Excluded

Excluded

Excluded

Fungus

Excluded

Excluded

Excluded

Electric arcing

Excluded

Excluded

Excluded

Delay, loss of market, etc.

N/A

N/A

Excluded

Smoke from agricultural or industrial smudging

N/A

N/A

Excluded

Wear and tear

N/A

N/A

Excluded

Rust and latent defect

N/A

N/A

Excluded

Smog

N/A

N/A

Excluded

Settling, cracking, shrinking

N/A

N/A

Excluded

Animal infestation

N/A

N/A

Excluded

Mechanical breakdown

N/A

N/A

Excluded

Marring, scratching

N/A

N/A

Excluded

Steam boiler explosion

N/A

Excluded

Excluded

14 day water seepage

N/A

Excluded

Excluded

Non-maintained frozen systems

N/A

N/A

Excluded

Dishonest acts by insured

N/A

N/A

Excluded

Trick, fraud or deceit

N/A

N/A

Excluded

Property in the open/rain damage

N/A

N/A

Excluded

Collapse

N/A

N/A

Excluded

Pollutant discharge

N/A

N/A

Excluded

Neglect to save and preserve property

Excluded

Excluded

Excluded

Weather conditions

N/A

N/A

Excluded

Acts or decisions

N/A

N/A

Excluded

Faulty, inadequate or defective planning, design, materials or maintenance

N/A

N/A

Excluded

Special Exclusions

CP 10 10–Basic

CP 10 20–Broad

CP 10 30–Special

Business Income–Finished stock

Excluded

Excluded

Excluded

Business Income–Television antenna

Excluded

Excluded

Excluded

Business Income–Delay

Excluded

Excluded

Excluded

Leasehold interest–Ordinance exception

Included

Included

Included

Leasehold interest–Lease cancellation

Excluded

Excluded

Excluded

Leasehold interest–License cancellation

Excluded

Excluded

Excluded

Leasehold interest–Consequential loss

Excluded

Excluded

Excluded

Legal Liability–Ordinance exception

Included

Included

Included

Legal Liability–Government action exception

Included

Included

Included

Legal Liability–Nuclear exception

Included

Included

Included

Legal Liability–Utility exception

Included

Included

Included

Legal Liability–War exception

Included

Included

Included

Legal Liability–Contractual exception

Excluded

Excluded

Excluded

Legal Liability–Nuclear hazard exception

Excluded

Excluded

Excluded

Loss of Damage to Products

N/A

N/A

Excluded

Steam boilers

N/A

N/A

Limitation

Hot water boilers

N/A

N/A

Limitation

Interior damage without exterior damage

N/A

N/A

Limitation

Property not attached to building

N/A

N/A

Limitation

Inventory shortage

N/A

N/A

Limitation

Unauthorized transfer

N/A

N/A

Limitation

Animals value limited to death or destruction

Limitation

Limitation

Limitation

Fragile items

N/A

N/A

Limitation

Non-owned builders, machinery, etc.

N/A

N/A

Limitation

Theft of furs

N/A

N/A

Limitation

Theft of jewelry

N/A

N/A

Limitation

Theft of patterns, dies, etc.

N/A

N/A

Limitation

Theft of stamps, tickets, etc.

N/A

N/A

Limitation

Repair of fire extinguishing devices

N/A

N/A

Limitation

Additional Coverage

CP 10 10–Basic

CP 10 20–Broad

CP 10 30–Special

Collapse

Not Covered

Covered

Covered

Limited fungus

Covered up to $15,000

Covered up to $15,000

Covered up to $15,000

Property in transit

Not Covered

Not Covered

Covered up to $5,000

Cost to tear out and replace parts of the building to repair system water damage

Not Covered

Not Covered

Covered

Incidental expenses involved with glass repair

Not Covered

Not Covered

Covered

Definitions

CP 10 10–Basic

CP 10 20–Broad

CP 10 30–Special

Fungus

Defined

Defined

Defined

Specified Causes Of Loss

N/A

N/A

Defined