Commercial Property

1000 Commercial Property

Commercial Lines property coverage, which may be written as a monoline policy or part of a Commercial Package Policy.

1001 Builders Risk

Coverage for a building in the course of construction, including building materials and supplies while on or away from the building site.

1002 Business Income

Coverage providing indemnification for lost profits resulting from damage to property that halts the business.

1003 Apartments (Commercial)

Coverage for habitational housing buildings and complexes. Coverages typically written on a commercial package basis.

1004 Boiler and Machinery

Coverage for loss arising out of the operation of pressure, mechanical and electrical equipment. It covers loss of the boiler and machinery itself, damage to other property and business interruption losses.

1005 Commercial Package – Real Property & Contents only

A commercial lines policy that contains Commercial Property and one of the following coverage parts; Commercial General Liability, Commercial Inland Marine, Commercial Crime, Boiler and Machinery Insurance, Commercial Automobile Insurance and Farm Coverage to name a few.

1006 Condominium Package (Commercial) – Real Property & Contents only

Coverage within the category of commercial property, which can be used for residential purposes and is designed to cover the condominium structure and association owned property.

1007 Crop Hail

Coverage designed to provide financial protection against damage to growing crops as a result of hail or certain other named perils.

1008 Difference In Conditions

Coverage usually written on an “all-risk” basis that covers other perils not insured by basic property insurance policy. Difference In Conditions insurance provides coverage designed to close specific gaps in standard insurance policies.

1009 Earthquake – Commercial

Insurance, either written as a separate contract or endorsement covering damage caused by an earthquake.

1010 Flood – Commercial

A form of insurance designed to reimburse property owners from loss due to the defined peril of flood.

1011 Glass (Commercial)

Coverage on an all risks basis for glass breakage

1012 Mortgagee Impairment

Protects banks and other financial institutions for unique coverage exposures such as providing short term coverage on foreclosed property, escrow errors/omissions and negligent acts pertaining to maintaining valid coverage for the mortgagor.

1013 Windstorm and/or Hail

Additional coverage to a property insurance policy or written as a stand alone policy for the perils of wind and/or hail.

1014 Mold Coverage – Commercial

Stand alone (monoline) coverage for mold as a result of a covered peril under a commercial policy.

1015 Sinkhole Coverage – Commercial

Stand alone (monoline) coverage for sinkholes on commercial property.


1100 Bankers Blanket Bond

Coverage for a bank in the event of loss due to dishonest acts of its employees or individuals external to the bank.

1101 Blanket Crime Policy

A package of coverages for employee dishonesty, loss of money and securities inside and outside the premises, depositors forgery, loss of money orders and counterfeit currency.

1102 Employee Dishonesty

Any dishonest act of an employee which may contribute to a loss for the employer.

1103 Identity Theft

Coverage for fraud or other crimes, when someone uses your personal information without your permission.

1104 Deposit Forgery

Coverage for deposit forgery if an insured’s paper has been forged or altered.


1200 Accident & Health

Insurance against loss by sickness or bodily injury. The form is sometimes called accident and health, accident and sickness, accident, or disability income insurance.

1201 Credit Insurance

Insurance against loss or damage resulting from failure of debtor to pay their obligations to the creditor.

1202 Animal Mortality

Protects the insured against the premature death of animals.

1203 Mortgage Guaranty

A form of casualty insurance insuring lenders against financial loss generally associated with non-payment of principal, interest, and other sums agreed to be paid under the term of the loan on real estate which contains a building or buildings.

1204 Worker’s Compensation-Excess Only

Coverage in excess of the primary coverage layer providing four types of benefits (medical care, death, disability and rehabilitation) for employee job-related injuries or diseases as a matter of right (without regard to fault).

1205 Product Recall

Coverage for the expenses incurred by a business resulting from the recall of products, whether defective or not.

1206 Kidnap/Ransom

This insurance is written primarily for financial institutions and covers named employees for individual or aggregate amounts paid as ransom.

1207 Surety

Contract by which one party agrees to make good the default or debt of another.

1208 Weather Insurance

Insurance designed to protect the insured sponsor of an outside event or a manufacturer designing a product the promotion of which depends on a weather-related risk.

1209 Prize Indemnification

Coverage for large prizes. The most common risks are hole-in-one, tagged fish and record fish.

1210 Travel Accident

Coverage for accidental death, disability and medical expenses when traveling.

1211 Terrorism


Homeowners and Other Residential Property

2000 Homeowners-HO-1

Coverage for fire, lightning, windstorm, hail, explosion, smoke, theft, vandalism, malicious mischief, riot, civil commotion, glass breakage, vehicles, and aircraft. Commonly referred to as the basic form.

2001 Homeowners-HO-2

The Broad Form (HO-2) – coverage for a broader spectrum of perils than under Form No. 1.

2002 Homeowners-HO-3

The Special Form (HO-3) is the most popular of the Homeowners Policy forms used to insure an owner-occupant of a residence. It provides coverage to the residence and other structures on an open-perils basis or “all risk” basis and is referred to as a “special form”.

2003 Tenant Homeowners-HO-4

The Contents Broad Form (HO-4) is designed for an insured who rents or leases an apartment or single family residence. This form frequently is called the “tenants form”.

2004 Homeowners-HO-5

Comprehensive Form – Reintroduced in the HO 2000 Program, the Comprehensive Form is useful for insuring dwelling and personal property of the upscale account. It provides coverage to the residence, other structures and personal property on an open-perils basis.

2005 Condo Unit-Owners HO-6

Provides the same coverage as Form No. 4 but extends coverage for damage to additions and/or alterations that the unit owner may have made inside the unit. Coverage goes into effect as an excess amount above that insurance (if any) that the condominium association may have.

2006 Homeowners-HO-8

The Modified Coverage Form (HO-8) is the most limited coverage form. It is actually a modified version of the HO-1 – Basic Form. Not only is the HO-8 limited in the perils insured against, but it only pays actual cash value (ACV) on both dwelling and personal property losses.

2007 Dwelling Builders Risk

A dwelling coverage form specifically designed for buildings in the course of construction.

2008 Dwelling Flood

Coverage against loss resulting from the flood peril.

2009 Dwelling Property

Provides financial protection against loss or damage to the insured’s property caused by such perils as fire, windstorm, hail, etc.

2010 Farmowners Multi-Peril

A package policy providing property coverage on farm dwelling buildings and contents, as well as barns, stables, and other farm outbuildings. Liability coverage is also included. It is similar to a Homeowners policy adapted to cover farm properties.

2011 Mobile Homeowners

Coverage similar to a Homeowners policy in that Section I covers the mobile home property and Section II covers the liability exposure.

2012 Windstorm

Additional coverage to a property insurance policy or written as a stand alone policy for the peril of wind.

2013 Mold Coverage – Residential

Stand alone (monoline) coverage for mold as a result of a covered peril under a residential policy.

2014 Sinkhole Coverage – Residential

Stand alone (monoline) coverage for sinkholes on residential property.

2015 Flood – Residential

Specific excess flood over a primary flood policy on residential property.

2016 Earthquake – Residential

Residential Coverage against loss resulting from the earthquake peril.

Ocean Marine

3000 Marine Operations Legal

This policy covers the legal liability of the marina operator for loss of or damage to private pleasure boats while in the operator’s care, custody or control.

3001 Marine Liabilities Package

Provides a package of Marine Liability Coverages arising out of ownership or operation of a vessel or marine related industry.

3002 Ocean Marine-Hull &/or Protection & Indemnity

Coverage on all types of vessels (hull), including liabilities (P&I). Protects the insured against liability from accidents and related expenditures.

3003 Ocean Cargo Policy

Type of ocean marine insurance that protects the shipper of the goods against financial loss if the goods are damaged or lost.

3004 Ship Repairers Legal Liability

Protects an individual ship repairer, marina or boat yard operator for legal liability to the vessel’s owner for damage to the vessel being repaired.

3005 Stevedores Legal Liability

Protects a stevedore against liability for loss or damage to vessels or cargoes arising out of loading or unloading operations. Customarily the protection is limited to legal liability, as opposed to contractual liability.

3006 Personal & Pleasure Boats & Yachts

A special package policy for boat owners that combines physical damage insurance, medical expense insurance, liability insurance, and other coverages in one contract.

3007 Ocean Marine Builder’s Risk

Indemnifies for loss of or damage to a vessel under construction. Insurance is normally written for a specified amount on the vessel and applies only in the course of construction.

3008 Longshoremen and Harbor Workers Compensation Act

Compensation coverage for harbor workers, ship repairers, shipbuilders, ship breakers and other employees who are engaged in such work for accidents on navigable water and adjoining land.

Inland Marine

4000 Inland Marine (Commercial)

A broad type of insurance, generally covering articles that may be transported from one place to another as well as bridges, tunnels and other instrumentalities of transportation. It includes goods in transit (generally excepting trans-ocean).

4001 Inland Marine (Personal)

Numerous “floater” polices such as personal effects, personal property, jewelry, furs, fine art and others.

4002 Motor Truck Cargo

Covers a motor carrier’s liability for damage to cargo of others during transit.

4003 Jewelers Block

Coverage designed to protect the insured’s stock, property left with the insured for repair or other purposes, and the insured’s interest in and legal liability for property on consignment from others in the jewelry trade.

4004 Furriers Block

4005 Contractors Equipment

An Inland Marine policy that covers contractor’s equipment other than vehicles for use on public highways.

4006 Electronic Data Processing

Coverage for direct physical loss or damage to data processing equipment and data processing media.

4007 Inland Marine – Real Property & Contents (Commercial)

A broad type of insurance, generally covering articles that may be transported from one place to another as well as bridges, tunnels and other instrumentalities of transportation. It includes goods in transit (generally excepting trans-ocean).

4008 Inland Marine – Real Property & Contents (Personal)

Numerous “floater” polices such as personal effects, personal property, jewelry, furs, fine art and others.


5000 Commercial General Liability

Comprehensive liability coverage for businesses resulting from General Liability, Fire Legal, Products/Completed Operations and Advertising to name a few.

5001 Commercial Umbrella Liability

Insures losses in excess of amounts covered by other liability insurance policies; also protects the insured in many situations not covered by the usual liability policies.

5002 Directors & Officers Liability (Profit)

Protects officers and directors of a corporation against damages because of any civil claim or claims made against them and caused by any negligent act, error or omission while acting in their capacities as directors or officers.

5003 Directors & Officers Liability (Non-Profit)

Unlike a basic directors and officers policy that covers corporate reimbursement for directors, a directors and officers policy for non-profit organizations covers the corporation itself, directors and officers, employees and committee members.

5004 Educator Legal Liability

Coverage designed to protect administrators, employees and staff members of schools and colleges, insuring a broad range of non-bodily injury and non-property damage liability losses.

5005 Employment Practices Liability

Coverage designed to protect the corporation, directors and officers and employees for claims resulting from wrongful employment practices.

5006 Excess Commercial General Liability (Not Umbrella)

Excess liability insurance may serve as excess over primary liability insurance, or as excess over a self-insured deductible.

5007 Excess Personal Liability (Not Umbrella)

Coverage designed to be in excess over the primary personal liability policy, and which does not pay a loss until the loss amount exceeds a certain sum.

5008 Liquor Liability

Coverage for establishments involved in the alcohol business such as liquor stores, bars, taverns, restaurants, and hotels.

5009 Owners & Contractors Protective

Coverage designed to protect an insured against losses caused by the negligence of a hired contractor or subcontractor.

5010 Personal Umbrella

Insures losses in excess of amounts covered by other liability insurance policies; also protects the insured in many situations not covered by the usual liability policies.

5011 Personal Liability

Insurance designed to protect the policyholder from financial loss due to liability resulting from injuries to other persons or damage to their property.

5012 Pollution & Environment Liability

Coverage designed to protect for all sums the insured is legally obligated to pay as a result of emission, discharge, release, or escape of any contaminants, irritants or pollutants.

5013 Product & Completed Operations Liability

Coverage against loss arising out of the liability of a manufacturer, merchant or distributor for injury or damage resulting from the use of a product. Coverage also includes liability incurred by a contractor as the result of improperly performed work (construction or installation) after a job has been completed.

5014 Public Officials Liability

A form of Professional Liability insurance for a public entity and the persons who act on its behalf for errors, misstatements, omissions, neglect, or breach of duty.

5015 Police Professional Liability

Law Enforcement Liability policies provide liability coverage for bodily injury, personal injury and property damage claims arising from law enforcement liability activities.

5016 Media Liability

Media Liability insurance, protects the insured against claims arising out of the gathering and communication of information.

5017 Railroad Protective Liability

This coverage is similar to Owners and Contractors Protective Liability coverage written under general liability forms. It covers an insured contractor who is engaged in building construction in which a building is required to go across, or is adjacent to, railroad property.

5018 Asbestos Removal & Abatement

Liability coverage for contractors specializing in asbestos abatement and/or removal.

5019 Guard Service Liability

Liability coverage for security guard services.

5020 Special Events Liability

Special Events insurance is liability protection for organizations that host activities.

Medical Malpractice

6000 Hospital Professional Liability

Protects an insured hospital against claims for injury arising from malpractice, error or mistake on the part of hospital personnel.

6001 Miscellaneous Medical Professionals

Professional Liability insurance for allegations of negligence in rendering or failure to render professional medical care.

6002 Nursing Home Professional Liability

Provides the same protection for nursing homes as is provided for hospitals under Hospital Professional Liability policies.

6003 Physician/Surgeon

Protects insured physicians/surgeons/dentists against claims for bodily injury arising from alleged malpractice, error or mistake in rendering professional services.

Errors and Omissions

7000 Architects & Engineers Liability

Protects the individual or firm of architects/engineers against any claim which the insured becomes legally obligated to pay as damages arise from the performance of professional services as architects or engineers, caused by error, omission or negligent act.

7001 Insurance Agents & Brokers E&O

This coverage protects against claims for negligent acts, errors or omissions in the conduct of the agent business.

7002 Lawyers Professional Liability

Covers direct pecuniary loss and expense to an attorney or law firm arising from claims for alleged neglect, error or omission in the performance of services in a professional legal capacity.

7003 Miscellaneous E&O Liability

Errors and omissions coverage for professionals not specifically listed in this section.

7004 Real Estate Agents E&O

Protects a real estate agency against claims for damages alleging negligence in the conduct of negotiations and business performance for others.

7005 Software Design Computer E & S

Liability coverage for errors in programs or computer system designs.

7006 Cyber Liability

Cyber Liability is designed to provide coverage for consumers of technology products or services, and may provide coverage for both liability and property losses related to electronic activities, such as a business or association collecting data within its internal network, business interruption, data loss/destruction, computer fraud, funds transfer loss and cyber extortion.


8000 Commercial Auto Liability

Liability insurance on various types of miscellaneous commercial automobiles that promises to pay legal obligations of the insured for bodily injury and property damage caused by an accident and arising out of ownership, maintenance, or use of covered auto.

8001 Commercial Auto Excess Liability

Excess liability over the primary liability insurance.

8002 Commercial Auto Physical Damage

Coverage on various types of miscellaneous commercial automobiles providing protection from direct and accidental “loss” or damage to an insured’s auto.

8003 Dealers Open Lot

Covers physical damage losses to a dealerships’ inventory.

8004 Garage Liability

Insurance to protect garage owners or automobile dealers for liabilities arising out of their business operations.

8005 Garage Keepers Legal

Covers the insured’s liability for autos accepted for safekeeping, storage, service or repairs when such are lost or damaged.

8006 Private Passengers Auto-Physical Damage Only

Coverage for damages from such perils as collision, comprehensive, fire and theft or any damage to the vehicle itself.

8007 Personal Excess Auto Liability

Excess liability over the primary liability insurance.


9000 Commercial Aircraft Hull &/or Liability

An Aircraft Hull and Liability policy is similar to a combination automobile policy in that both physical damage, liability and medical payments are combined.

9001 Airport Liability

Coverage for the insured in the event that the insured’s negligent acts and/or omissions result in losses in connection with the use, ownership or maintenance of aircraft.

9002 Aviation Cargo

Coverage for an air carrier’s legal liability for damage, destruction, or other loss of a customer’s property while being shipped.

9003 Aviation Product Liability

Products liability coverage for manufacturers and dealers of aircraft products and for fixed based operators who repair and maintain aircraft.

9004 Hanger Keepers Legal Liability

Protection against liability for damage or injury to others arising out of the ownership, maintenance or use of the aircraft hangar premises.

9005 Personal & Pleasure Aircraft

Aircraft coverage for personal or pleasure use, excluding operations for which there is a charge.