AmTrust BOP Manual - AmTrust North America

Businessowners Coverage Form BP 00 30 01 06 and Expansions
While care has been used in describing coverage in the above form, this summary is for general form
interpretation and does not alter coverage in any regard. In all instances refer to the policy for
coverage and limitations. No Flood or EQ coverage is afforded.
Coverage
Coverage
Type
Businessowners
Coverage Form
BP 00 03
Accounts Receivable Property $10,000 On
Premises / $5,000
Off
Additional Insured –
State Or Political
Subdivisions – Permits
Relating To Premises
Additional Insured -
Vendors
Additional Insured
Managers or Lessors of
Premises
Expansion
Endorsement
26-0101
$100,000 On
Premises
Liability Included Included
Liability Included Included
Liability Included Included
Expansion Plus
Endorsement
26-0102
$250,000 On
Premises
Bail Bonds Liability $2,500 $2,500
Bodily Injury includes Liability Included Included
Mental Anguish
Brands & Labels Property $2,500 $2,500
Business Income –
Actual Loss Sustained
Property
Business Income –
Extended Period Of
Indemnity
Additional
Coverage not
subject to the
Limits of Insurance
– Begins 72 hours
after the time of
direct physical loss
Additional
Coverage not
subject to the
Limits of Insurance
– Begins 72 hours
after the time of
direct physical loss
Additional
Coverage not
subject to the
Limits of Insurance
– Begins 72 hours
after the time of
direct physical loss
Property Up to 30
consecutive days
after the
“operations” are
resumed
120 Days 180 Days
Property $5,000 $100,000 $250,000
Business Income From
Dependent Properties
Civil Authority - actual Property
Begins 72 hours Begins 72 hours
loss of Business Income
after the time of after the time of
and necessary Extra
that action and will that action and will
Expense caused by
apply for a period apply for a period
action of civil authority
of up to three of up to three
that prohibits access to
consecutive weeks consecutive weeks
the described premises
Collapse Property Included Included Included
Debris Removal Property $10,000 $15,000 $25,000
Electronic Data Liability $10,000 $15,000
Electronic Data Property $10,000
Employee Dishonesty Property $15,000 $25,000
Expense of Insured Liability $250 per Day $300 per Day $300 per Day
Extra Expense that
occurs during the “period
of restoration”
Property
Additional
Coverage not
subject to the
Limits of Insurance
Additional
Coverage not
subject to the
Limits of Insurance
Begins 72 hours
after the time of
that action and will
apply for a period
of up to three
consecutive weeks
Additional
Coverage not
subject to the
Limits of Insurance
AmTrust Financial Services, Inc. 12.15.10 Page 7