Businessowners Policy Coverage Guide, 5th Edition, covers the more than thirty major property changes, four major liability changes, and sixteen new endorsements provided for the 2013 edition form.

Enhancements include analysis of coverage for:» Electronic data used to control a building’s elevators, lighting, HVAC, or security systems» Debris removal of others (up to $5,000 of expense) and the increase in the insured’s debris removal limit to $25,000» Business personal property in temporary storage units for up to 90 days and $10,000» Lawns, trees, shrubs, and plants that are part of vegetated roofs» Water damage arising from off-premises accidental discharge» BYO establishments

As well as…» The extension to 60 days of extended business income coverage» The addition of business income coverage for dependent properties

Analysis of coverage limitations includes:» Exclusion of employee dishonesty coverage for employees if insured has knowledge of prior dishonest acts» Extension of the earth movement exclusion to exclude coverage for tremors and aftershocks» Limitation of volcanic actions to one occurrence within a 168-hour period» Affirmative exclusion under liquor liability coverage of negligent supervision/training or failure to provide transportation to intoxicated patrons

New EndorsementsBusinessowners Policy Coverage Guide, 5th Edition, also analyzes these important new endorsements, among many others:» Communicable disease exclusion (e.g., avian or bird flu, SARS, rotavirus)» Exclusion of loss due to by-products of production or processing operations on rental properties» Windstorm or hail exclusion» Several endorsements to address coverage for photographic equipment» Increase in rebuilding expenses following disaster

Only Businessowners Policy Coverage Guide, 5th Edition, delivers all of these key features:» Clear and concise annotated style allowing you to view the actual policy language while reading the author’s analysis» Discussion of changes to the 2013 form provided in the context of the prior form’s provisions» Expert insight into whether excluded coverage is available elsewhere via endorsement or other policy

George E.Krauss

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