Because it's a package, it costs you less than the same coverage's would under separate policies. The premium can be paid monthly or yearly, as you like.

Best of all, you are assured of fast, fair, friendly service from us here at Theodore Insurance Agency.

BUILDING INCLUSIONS:

Coverage applies when the by laws of your association make the association responsible for damage to:

ALL BUILDINGS at the described locations

ANY ADDITIONS and/or extensions attached to such insured buildings, except for outdoor signs

ALL PERMANENT servicing equipment, machinery, or fixtures

YARD FIXTURES and such of your personal property used for maintenance or service

ASSOCIATION'S PERSONAL PROPERTY INCLUSIONS::

BUSINESS PERSONAL PROPERTY usual to the type of association

FURNITURE, fixtures, equipment, and supplies not otherwise covered under this type of policy.

INTEREST IN PERSONAL PROPERTY owned by others, while on your premises

PROPERTY COVERED ALSO INCLUDES:

NEWLY ACQUIRED PROPERTY... automatic 30 day coverage up to 10% and not exceeding $25,000 of the amount of insurance on buildings and up to 10% not exceeding $10,000 of insurance on association personal property away from your premises.

PERSONAL EFFECTS... up to $100 per person with a $500 maximum for nun business personal effects of your employees or your employees while at the described location.

LANDSCAPING... trees, plants and shrubs are covered for certain perils up to $1,000 with a $250 limit per item.

REPLACEMENT COST ON BUILDING... no depreciation is taken for smaller losses up to $1,000. You get "new for old" on these partial losses, if you meet actual cash value coinsurance requirements.

VALUABLE PAPERS AND RECORDS... up to $500 per occurrence for additional expenses to reconstruct your business records damaged or lost as a result of a covered incident.

EXTRA EXPENSE... up to $1,000 for extra expenses to continue normal business operations following an insured loss.

FIRE DEPARTMENT SERVICE CHARGE... up to $1,000 per occurrence.

OPTIONAL PROTECTION AVAILABLE:

INCREASED COVERAGE for valuable papers & records and extra expense.

FULL REPLACEMENT COST... extends basic replacement cost coverage listed above, based on total amounts of insurance you carry. Must comply with full replacement co-insurance requirements.

EARTHQUAKE

VOLCANIC ERUPTION

EXPLOSION OR EFFUSION

LIABILITY INCLUSIONS:

COST OF PREMIUMS... for appeal bonds or any bonds to release attachments

ALL EXPENSES... for defending you, including lawyer's fees and court costs

REASONABLE EXPENSES... you may incur at the insurance companies request, including your loss of earnings up to $25 per day.

PERSONAL INJURY LIABILITY.... covers legal liability for false arrest, slander, defamation of character, libel, malicious prosecution, invasion of privacy, wrongful eviction, or wrongful entry.

BROAD FORM LIABILITY PACKAGE... includes broad form property damage, blanket contractual, employees as additional insureds, advertising liability, fire legal liability, non-ownership watercraft, personal injury liability and host liquor liability.

BUSINESS PREMISES MEDICAL... covers necessary medical treatment, incurred within one year, resulting from injury in your premises to persons other than your employees.

OPTIONAL LIABILITY PROTECTION:

PRODUCTS AND COMPLETED OPERATIONS... bodily injury or property damage coverage for claims arising out of products sold or work you have completed - after you relinquish control to the buyer.

DIRECTOR'S AND OFFICERS LIABILITY... for claims out of negligent act, error, or omission, or breach of duty while acting in that capacity of the association.

OWNED OR RENTED VEHICLES... covers bodily injury or property damage liability for any vehicles you own, purchase, rent, or use in the conduct of your business.

ADDITIONAL AVAILABLE COVERAGES:

AUTO MEDICAL

AUTO ACCIDENTAL DEATH INDEMNITY & SPECIFIC DISABILITY

CARGO

UNINSURED MOTORISTS

PERSONAL INJURY PROTECTION (in applicable states)

PHYSICAL DAMAGE COVERAGE AS SELECTED:

• Fire and theft
• Comprehensive car damage
• Collision coverage
• Towing and roadside assistance

After payment of damages to your own property, any remaining limit per accident is applied to expedite repairs to pay damage's to the property of others.