BUILDERS RISK POLICY

OPTIONAL COVERAGES AVAILABLE

ADDITIONAL COVERAGES

KEY FEATURES• Structures limit includes coverage for structure, loss of business income, and extra expense • Structures limit includes foundations, fences, walkways, roadways, and similar structures, as well as building materials intended to become an integral part of the structure

• Short-term policies and extensions with no minimum earned premium

• Jobsite trailers and their office contents

• Model homes and model home contents

• Projects covered during course of construction and after completion • Loss of income includes the increased loss due to construction delay as the result of a covered claim • No coinsurance • Replacement cost coverage

• Business personal property and equipment to be installed as part of the completed construction project (not including contractor’s equipment)

• $100,000 for debris removal • $25,000 limit for property intended to be an integral part of the project while in transit or while at a temporary storage site away from the described premises • $25,000 for plans, specifications, and blueprints • $25,000 for expenses to extract pollutants from land or water (maximum limit available) • $25,000 for scaffolds and construction forms, including cost to re-erect due to a covered loss

• $5,000 for lawns, trees, shrubs, or other plants, including coverage due to freezing, if actually replaced • $5,000 for fire department service charges • $5,000 for cost to refill or recharge fire protection devices • $5,000 for arson and crime reward

The Builders Risk policy provides superior property coverage for new projects in the course of construction and includes the ability to offer short-term policies and extensions. Commercial

and residential properties are eligible, including tract developments. Coverage is also available for projects consisting of installation of tenant improvements and betterments.

This is a summary of coverage only. Please refer to policy for complete details, conditions and limitations. Some limits shown above may be increased for an additional premium charge. For a complete list of the companies Deans & Homer represents as Managing Underwriter, please refer to deanshomer.com/site/companies. Company availability depends upon state. Included content is intended for our retail agents.

CA Lic #0300517 HS BR001 (11-20)