Property and general liability

Property

Selection of base property broadening endorsements that add or enhance more than 65 coverages

Coverage Blanket limit/coverage	Bronze 411-0791 $25,000	Silver 411-0792 $250,000	Gold 411-0793 $500,000	Platinum 411-0794 $1,000,000
Accounts receivable	Included in blanket limit of $25,000	Included in blanket limit of $250,000	Included in blanket limit of $500,000	Included in blanket limit of $1,000,000
Back up or overflow of a sewer, drain or sump	n/a	$100,000	Included	Included
Brands and labels	Included	Included	Included	Included
Broadened building coverage	Included	Included	Included	Included
Broadened business personal property	Included	Included	Included	Included
Business income and extra expense – dependent properties	n/a	$100,000	$150,000	$250,000
Business income and extra expense – lease cancellation	$5,000	$25,000	$50,000	$50,000
Business income and extra expense – transit	$5,000	$50,000	$75,000	$100,000
Business personal property in storage units	Included	Included	Included	Included
Business personal property in transit	$25,000	$100,000	$100,000	$150,000
Business personal property off premises	$25,000	$100,000	$250,000	$250,000
Catastrophe allowance	n/a	$25,000	$50,000	$50,000
Computer and funds transfer fraud	$5,000	$50,000	$50,000	$50,000
Consequential loss to stock	Included	Included	Included	Included
Contract penalties	$5,000	$25,000	$50,000	$100,000
Debris removal	$25,000	$100,000	$250,000	$250,000
Deferred payments	Included in blanket limit of $25,000	Included in blanket limit of $250,000	Included in blanket limit of $500,000	Included in blanket limit of $1,000,000
Denial of access to premises	30 days 72-hour waiting period	30 days 72-hour waiting period	30 days 72-hour waiting period	30 days 72-hour waiting period
E-commerce	$2,500	$25,000	$50,000	$50,000
Electronic data processing equipment	Included	Included	Included	Included
Employee theft including ERISA compliance	$10,000	$100,000	$250,000	$250,000
Employee tools and work clothing	$5,000	$10,000	$25,000	$25,000
Expediting expense	$10,000	$25,000	$50,000	$50,000
Extended business income	n/a	90 days	180 days	180 days
Extended coverage on property – within 2,000 feet	Included	Included	Included	Included
Extra expense	$25,000	$50,000	$300,000	$300,000
Fine arts	Included in blanket limit of $25,000	Included in blanket limit of $250,000	Included in blanket limit of $500,000	Included in blanket limit of $1,000,000
Fire department service charge	Included in blanket limit of $25,000	Included in blanket limit of $250,000	Included in blanket limit of $500,000	Included in blanket limit of $1,000,000
Fire protection equipment recharge	Included	Included	Included	Included
Food contamination	$5,000	$10,000	$25,000	$25,000
Food contamination – additional advertising expense	$3,000	$3,000	$3,000	$3,000
Forgery or alteration	$5,000	$50,000	$100,000	$100,000
Foundation and underground pipes	n/a	Included	Included	Included
International air shipments	$10,000	$25,000	$50,000	$50,000
Inventory and loss appraisal	$25,000	$100,000	$250,000	$300,000
Key replacement and lock repair	$5,000	$15,000	$20,000	$20,000
Leasehold interest	$25,000	$50,000	$150,000	$250,000
Lessor’s tenant move expenses	$5,000	$25,000	$50,000	$50,000
Marring and scratching	Included	Included	Included	Included
Money and securities	$5,000	$25,000	$50,000	$50,000
Money orders and counterfeit money	$5,000	$25,000	$50,000	$50,000
Movement of property	Included in blanket limit of $25,000	Included in blanket limit of $250,000	Included in blanket limit of $500,000	Included in blanket limit of $1,000,000
Newly acquired locations – business income and extra expense	$100,000	$250,000	$250,000	$250,000
Newly acquired or constructed property – building	$500,000	$1,000,000	$2,000,000	$2,000,000
Newly acquired or constructed property – business personal property	$250,000	$500,000	$1,000,000	$1,000,000
Non-owned detached trailers	$5,000	$25,000	$25,000	$50,000
Ordinance or law – coverage for loss to the undamaged portion of the building	Included	Included	Included	Included
Ordinance or law Demolition cost coverage Increased cost of construction	$100,000	$300,000	$500,000	$500,000
Outdoor property	Included in blanket limit of $25,000	Included in blanket limit of $250,000	Included in blanket limit of $500,000	Included in blanket limit of $1,000,000
Personal effects and property of others	Included in blanket limit of $25,000	Included in blanket limit of $250,000	Included in blanket limit of $500,000	Included in blanket limit of $1,000,000
Pollutant clean-up and removal	$10,000	$50,000	$100,000	$150,000
Preservation of property	90 days	90 days	90 days	90 days
Preservation of property – expense	$10,000	$25,000	$50,000	$100,000
Prototypes	Included	Included	Included	Included
Research and development documentation	Included in blanket limit of $25,000	Included in blanket limit of $250,000	Included in blanket limit of $500,000	Included in blanket limit of $1,000,000
Rewards	$5,000	$50,000	$75,000	$100,000
Sales representative samples	$10,000	$25,000	$25,000	$50,000
Soft costs	$5,000	$10,000	$25,000	$50,000
Temporary relocation of property	$25,000	$50,000	$100,000	$100,000
Theft damage to building	Included	Included	Included	Included
Undamaged tenants improvements and betterments	$10,000	$25,000	$50,000	$100,000
Underground water seepage	n/a	$25,000	$50,000	$150,000
Unintentional property reporting errors	$500,000	$500,000	$500,000	$500,000
Unnamed locations	$20,000	$100,000	$150,000	$200,000
Utility services – business income	$5,000	$50,000	$100,000	$100,000
Utility services – direct damage	$5,000	$50,000	$100,000	$100,000
Valuable papers and records	Included in blanket limit of $25,000	Included in blanket limit of $250,000	Included in blanket limit of $500,000	Included in blanket limit of $1,000,000
Voluntary parting	$10,000	$25,000	$50,000	$100,000
Water damage, other liquids, powder or molten material damage	n/a	$25,000	$50,000	$50,000
Windblown debris	$2,500	$5,000	$10,000	$10,000
Worldwide business personal property off premises	$10,000	$45,000	$75,000	$100,000

General liability 

Suite of general liability broadening coverage that add or enhance over 13 coverages

CGL broadening endorsement 421-2915
Coverage	Limits
Additional insured by contract, agreement or permit	Included
Additional insured — primary and non-contributory	Included
Blanket waiver of subrogation	Included
Bodily injury redefined	Included
Broad form property damage — borrowed equipment, customers goods and use of elevators	Included
Knowledge of occurrence	Included
Liberalization clause	Included
Medical payments — increased reporting period	Included
Newly acquired or formed organizations — covered until end of policy period	Included
Non-owned watercraft	51 feet
Supplementary payments increased limits – Bail bonds – Loss of earnings per day	$2,500 $1,000
Unintentional failure to disclose hazards	Included
Unintentional failure to notify	Included

• Per project aggregate
• Blanket additional insured
• Contractors limited pollution liability endorsement
• Add the contractors general liability broadening endorsement below to the base general liability broadening endorsement to further tailor coverage. 

Additional coverage options

• Business owner’s policy, including contractors broadening endorsement
• Commercial auto
• Equipment breakdown coverage
• Industrial property
• Pollution liability
• Umbrella
• Workers’ compensation​​​​​​​

Visit Hanover Specialty Excess & Surplus for non-admitted property and casualty coverage.

We provide construction-focused risk management and claims services built to support the demands of active jobsites, changing environments and complex project timelines.

Hanover Contractors Advantage protects against the unique risks faced by construction businesses. Unlock the Hanover advantage.