AmTrust BOP Manual - AmTrust North America

Type
Property and
Liability
Form
Number
BP 00 03
Description of Coverage In System Coverage
Screen
Businessowners Coverage Form
1. Property Coverage
Building and Business Personal Property for direct physical loss
or damage, Business Income and Extra Expense coverages are
provided.
2. Liability And Medical Expenses Coverage
Liability and Medical Expenses Coverage is provided on a
comprehensive occurrence basis for all operations and
premises owned, operated or leased by the insured. Coverage
includes bodily injury, property damage, medical expenses
(subject to an additional "per person" limit), personal and
advertising injury and Tenant's Fire Liability Coverage (subject
to a separate limit).
3. Limits Of Insurance
a. Liability and Medical Expenses Coverage is provided at a
basic limit of insurance of $300,000 per occurrence which
may be increased to either $500,000 or $1,000,000. An
aggregate limit of twice the per occurrence limit applies.
b. An aggregate limit of twice the Liability and Medical
Expenses limit applies to the products/completed operations
hazard.
c. Tenant's Fire Liability Coverage is provided at a basic limit of
$50,000 and is a separate limit. Tenant's Fire Liability
Optional Coverage is not subject to an aggregate limit.
d. A "per person" Medical Expenses limit of $5,000 applies.
Property BP 01 59 Water Exclusion Endorsement
This endorsement is an absolute exclusion of loss or damage
caused by or resulting from water in any form, including mudslide
and waterborne material.
Property BP 03 12 Windstorm Or Hail Percentage Deductibles
This endorsement makes windstorm or hail deductibles of 1%, 2%
or 5% available. The deductible selected applies separately to
each building if more than one building is involved, to the building
and business personal property in any one building, to business
personal property in each building if more than one building is
involved, and to personal property in the open.
Additional
Insured
BP 04 02
Additional Insured – Managers Or Lessors Of Premises
Endorsement
This endorsement is used to include as additional insureds
designated persons or organizations for their liability as owners of
designated premises leased to the named insured.
Liability BP 04 04 Hired Auto And Non-Owned Auto Liability Endorsement
This endorsement is also not available to insureds who have a
policy covering other commercial automobile exposures. An auto
leased with a term of six months or more is treated as an owned
auto and is not eligible for this coverage.
This endorsement provides either or both non-owned or hired auto
coverage. Non-Owned Auto Liability provides coverage for any
auto that is not owned, borrowed or hired by the insured. Hired
Auto Liability provides coverage for autos leased, hired or
borrowed by the insured. The Hired Auto And Non-Owned Auto
Liability limit of insurance should be the same as the
Businessowners Liability and Medical Expenses limit of insurance.
Additional
Insured
BP 04 06
Additional Insured – Controlling Interest Endorsement
This endorsement provides coverage for additional insureds who
control either the insured or the insured's premises.
Mandatory
Mandatory
Yes
Yes
Yes
Yes
Form List
(Policy
Issuance)
Form List
(Policy
Issuance)
Locations
Addl Interests
BOP Policy
Coverage
Addl Interests
AmTrust Financial Services, Inc. Edition Date 6-24-2011 Back to the Contents Page Page 50