Use this checklist by Jack Fries to see which Commercial Lines coverages your clients have, those that they need, and those that you write.
The undersigned insured acknowledges that the undersigned agent has thoroughly explained all of the insurance coverages recommended below.
|
We Write
|
Does Not Need
|
Insured Elsewhere
|
Recommended
|
|
|
Buildings
|
| |
|
|
|
Basic |
| |
|
|
|
Broad |
| |
|
|
|
Special |
| |
|
|
|
Earthquake |
| |
|
|
|
Flood |
| |
|
|
|
Water Damage |
| |
|
|
|
Replacement Cost |
| |
|
|
|
Inc Cost of Construction |
| |
|
|
|
Demolition |
| |
|
|
|
Signs |
| |
|
|
|
Plate Glass |
|
Loss to Business Personal Property
|
| |
|
|
|
Basic |
| |
|
|
|
Broad |
| |
|
|
|
Special |
| |
|
|
|
Earthquake |
| |
|
|
|
Flood |
| |
|
|
|
Water Damage |
| |
|
|
|
Replacement Cost |
| |
|
|
|
Improvements/Betterments |
|
Loss to Business Personal Property
|
| |
|
|
|
Auto Physical Damage |
| |
|
|
|
Aircraft Physical Damage |
| |
|
|
|
Marine Hull |
| |
|
|
|
Transportation Floater |
| |
|
|
|
Equipment Floater |
| |
|
|
|
Salesman Samples |
| |
|
|
|
Installation Floater |
| |
|
|
|
Processing Floater |
| |
|
|
|
Computer |
|
Loss Of Income
|
| |
|
|
|
Business Income |
| |
|
|
|
Extra Expense |
| |
|
|
|
Accounts Receivable |
| |
|
|
|
Valuable Papers |
|
Boiler & Machinery Loss
|
| |
|
|
|
Boiler & Machinery |
| |
|
|
|
Business Income (use & occupancy) |
|
Liability
|
| |
|
|
|
Workers Compensation |
| |
|
|
|
Commercial General Liability |
| |
|
|
|
Products & Completed Operations |
| |
|
|
|
Independent Contractors |
| |
|
|
|
Contractual - specific |
| |
|
|
|
Contractual - blanket |
| |
|
|
|
Broad Form Property Damage |
| |
|
|
|
Personal Injury |
| |
|
|
|
Fire Legal Liability |
| |
|
|
|
Premises Medical |
| |
|
|
|
Employees as Additional Insureds |
| |
|
|
|
Aircraft |
| |
|
|
|
Watercraft |
| |
|
|
|
Owned Autos |
| |
|
|
|
Leased or Hired Autos |
| |
|
|
|
Employers Non-ownership |
| |
|
|
|
Drive Other Car |
| |
|
|
|
Auto Medical Payments |
| |
|