AmTrust BOP Manual - AmTrust North America

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BUILDING CONSTRUCTION CLASS DEFINITIONS Frame, Brick Veneer – ISO 1: Buildings where the exterior walls are wood or other combustible material, including construction where combustible materials are combined with other materials (such as, brick veneer, stone veneer, wood-iron clad, stucco on wood). Joisted Masonry – ISO 2: Buildings where the exterior walls are constructed of masonry materials such as adobe, brick, concrete, gypsum block, hollow concrete blocks, stone, file or similar materials, and where the floors and roof are combustible. Non-Combustible – ISO 3: Buildings where the exterior walls, floors and roof are constructed of and supported by metal, asbestos, gypsum or other non-combustible material. Masonry Non-Combustible – ISO 4: Buildings where the exterior walls are constructed of masonry materials such as adobe, brick, concrete, gypsum block, hollow concrete block, stone, file or similar materials, with floors and roof of metal or other non-combustible materials. Fire Resistive – ISO 5 or 6: Buildings where the exterior walls and the floors and roof are constructed of masonry or fire-resistive materials. CERTIFICATES OF INSURANCE You may issue an Acord Certificate of Insurance (COI) for any insured We do not require you send us a copy There may be no extraneous language or strike-out on any COI’s issued for our company LIMITS OF INSURANCE Property: Risks of Direct Physical Covered Cause of Loss. Coverage Form BP 00 03 01 06, includes the following features: Replacement Cost No Coinsurance Section II Liability: Commercial Liability Coverage Form provides comprehensive coverages on a simplified basis. Occurrence Limits Premises/Operations Aggregate is two times the occurrence limit Personal Injury Equal to the occurrence limit Advertising Injury Equal to the occurrence limit <strong>AmTrust</strong> Financial Services, Inc. 12.15.10 Page 10
ADDITIONAL INSURED Additional Charge Additional Insured – Designated Person Or Organization Endorsement BP 04 48. Additional Insured – Engineers, Architects, Or Surveyors Not Engaged By The Named Insured Endorsement BP 04 49. Additional Insured – Lessor Of Leased Equipment Endorsement BP 04 16. Additional Insured – Managers Or Lessors Of Premises Endorsement BP 04 02. Additional Insured – Owners, Lessees Or Contractors – With Additional Insured Requirement In Construction Contract Endorsement BP 04 51. Additional Insured – Owners, Lessees Or Contractors Endorsement BP 04 50. Additional Insured – Vendors Endorsement BP 04 47. Amendment Of Insured Contract Definition Endorsement BP 05 98. No Additional Charge Additional Insured – Controlling Interest Endorsement BP 04 06. Additional Insured – Co-Owner Of Insured Premises Endorsement BP 04 11. Additional Insured – Engineers, Architects, Or Surveyors Endorsement BP 04 13. Additional Insured – Mortgagee, Assignee, Or Receiver Endorsement BP 04 09. Additional Insured – Owners Or Other Interests From Whom Land Has Been Leased Endorsement BP 04 10. Additional Insured – State Or Political Subdivisions – Permits Endorsement BP 04 52. Additional Insured – State Or Political Subdivisions – Permits Relating To Premises Endorsement BP 04 07. Additional Insured – Townhouse Associations Endorsement BP 04 08. APPLICATIONS An application must be completed and maintained in each policy file for Agent records. An electronically transmitted application can be maintained in lieu of a paper copy. Applications may be required for risks referred to Underwriters. RATING INFORMATION All rates and premiums are for an annual period. In order to rate a policy, it is necessary to have the following information on hand: ISO Fire Protection Class Territory (See Territory Definition Pages) Building Value (when building coverage applies) Contents Value Annual Gross Receipts Amount and type of Optional Coverage desired Annual Gross Liquor Receipts (where applicable) <strong>AmTrust</strong> Financial Services, Inc. 12.15.10 Page 11
Page 1 and 2: AmTrust BOP Manual Underwriting & P
Page 3 and 4: Contractors are currently NOT Eligi
Page 5 and 6: SCHEDULED RATING PLAN Schedule rati
Page 7 and 8: Businessowners Coverage Form BP 00
Page 9: Coverage Coverage Type Businessowne
Page 13 and 14: BOP ELIGIBILITY GUIDELINES GENERAL
Page 15 and 16: ‣ Check cashing ‣ Playgrounds
Page 17 and 18: ‣ Utility offices (including elec
Page 19 and 20: SELF-STORAGE FACILITIES Square Foot
Page 21 and 22: PROGRAM Grocery Stores Grocery Stor
Page 23 and 24: PROGRAM Mercantile Mercantile Merca
Page 25 and 26: Mercantile PROGRAM DESCRIPTION CLAS
Page 27 and 28: PROGRAM DESCRIPTION CLASS CODE SIC
Page 29 and 30: Mercantile Mercantile PROGRAM DESCR
Page 31 and 32: Office Office Office Office PROGRAM
Page 33 and 34: PROGRAM Processing and Service DESC
Page 35 and 36: PROGRAM Processing and Service Proc
Page 37 and 38: Wholesale PROGRAM DESCRIPTION CLASS

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