contract inland marine - nationwide · $250 inland marine minimum premium for a package policy,...

CONTRACT INLAND MARINE

Some options or coverages noted in this guide may not be available in all automated systems.

E&S/Specialty 480-365-4000 1-800-423-7675 Revised 11-19

Table of Contents OVERVIEW .............................................................................. 2 ADVERTISING MATERIALS ................................................... 2 BOUND BUSINESS NOTIFICATION ....................................... 2 FORMS—NON-ADMITTED FORMS AND ENDORSEMENTS ................................................................... 2 INSPECTIONS ......................................................................... 5 MINIMUM PREMIUM ............................................................... 5 PROHIBITED ........................................................................... 5 REPLACEMENT COST COVERAGE ...................................... 6 SIGNATURE REQUIRED ENDORSEMENTS ......................... 6 REPORTING FORM POLICIES ............................................... 6 SUBMIT ................................................................................... 7 WINDSTORM OR HAIL GUIDELINES .................................... 7 CLASSES AND COVERAGES AVAILABLE ........................... 8

Accounts Receivable ....................................................................8 Mobile Agricultural Machinery and Equipment ...................... 11 Animal Coverage ....................................................................... 16 Bailees Customers .................................................................... 18 Builders Risk Coverage ............................................................ 22 Business Income and/or Extra Expense Coverage..................................................................................... 22 Computer Systems Coverage .................................................. 24 Contractors Combination Form ............................................... 29 Contractors Equipment ............................................................. 31 Exhibition Coverage .................................................................. 44 Commercial Fine Arts ................................................................ 46 Golf Carts.................................................................................... 49 Installation Coverage ................................................................ 51 Miscellaneous Articles .............................................................. 56 Prize Indemnification ................................................................. 61 Signs ........................................................................................... 64 Unmanned Aircraft Systems (Drones) ..................................... 66 Valuable Papers and Records .................................................. 68




OVERVIEW Our intent is to provide coverage on Commercial Inland Marine risks. This section provides guidelines for classes that are within your authority. It also provides lists of submit and prohibited classes. Amounts over the limits shown in this guide should be referred to your underwriter. The suggested rating guidelines herein are for use on a non-admitted basis. Contact your underwriter for further details or if exceptions are needed. Contract Commercial P&C business, whether Program or ISO, is to be written on a non-admitted basis, subject to state exceptions. The applicable companies are:

STATE COMPANY

All States except those below Scottsdale Insurance Company (SIC)

Ohio Scottsdale Surplus Lines Insurance Company (SSLIC)

Arizona & Delaware Scottsdale Indemnity Company (SIN)

ADVERTISING MATERIALS A free marketing brochure and E-flier are available to assist you in promoting Commercial Inland Marine Coverage. Refer to the E&S/Specialty Portal under the Underwriting Tools tab/Marketing Tools page.

BOUND BUSINESS NOTIFICATION You are not required to advise us of binding, unless requested by us with our quote approval. If we request notification, please provide policy number, effective date and premium.

FORMS—NON-ADMITTED FORMS AND ENDORSEMENTS The most current edition of endorsements and forms must be used unless otherwise indicated. Contact the company for the equivalent form numbers for Scottsdale Indemnity and Scottsdale Surplus Lines Company policies. These forms and our complete forms library are accessible on the E&S/Specialty Portal under the Underwriting Tools tab/Forms portlet.

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Required Forms NOTX0178CW ................. Claim Reporting Information NOTX0423CW ................. Policyholder Disclosure—Notice of

Terrorism Insurance Coverage (must be sent with all new and renewal quotations and listed on Schedule of Forms and Endorsements)

UTS-COVPG .................... Cover Page (SIC) OPS-D-1 ........................... Common Policy Declarations UTS-SP-2 ......................... Schedule of Forms and

Endorsements (required for automated systems)

CM 00 01 .......................... Commercial Inland Marine Conditions

IL 00 17 ............................ Common Policy Conditions IL 09 53 ............................ (If Insured REJECTS Terrorism

Coverage) Exclusion of Certified Acts of Terrorism (Note: You must fill in the state and coverage part on form IL 09 53 if the risk is located in California, Connecticut, Georgia, Hawaii, Illinois, Iowa, Maine, Missouri, New Jersey, New York, North Carolina, Oregon, Rhode Island, Virginia, Washington, West Virginia & Wisconsin.)

or UTS-443s ......................... (If Insured ACCEPTS Terrorism

Coverage) Cap On Losses From Certified Acts Of Terrorism; Excluding Nuclear, Biological, Chemical or Radiological Acts of Terrorism

IL 09 85 ............................ (Required if Insured ACCEPTS Terrorism Coverage) Disclosure Pursuant to Terrorism Risk Insurance Act

UTS-9g ............................. Service of Suit

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https://ctg.nationwideexcessandsurplus.com/CtgTopicalGuides/Search.do?formNumber=UTS-SP-2

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UTS-496 ........................... Minimum Earned Cancellation Premium (Indicate a minimum of 25% of the premium for all coverages other than Exhibition. Exhibition Coverage requires 100% minimum earned premium.)

UTS-476 ........................... (Oregon only) Marijuana/ Cannabis Exclusion

plus • State specific forms as required for Excess and

Surplus Lines policies, per our State Information pages on the E&S/Specialty Portal under the Underwriting Tools tab/Related UW Information portlet/Contract State Information.

• Class specific forms and endorsements Optional Forms IH 99 06 ........................... Schedule IH 99 07 ........................... Replacement Cost IH 99 10 ........................... Protective Safeguards IH 99 17 ........................... Earthquake Exclusion IH 99 18 ........................... Water Exclusion IH 99 19 ........................... Additional Covered Property IH 99 20 ........................... Additional Property Not Covered IH 99 22 ........................... Loss Payable IMS-18.............................. Theft Exclusion Endorsement IMS-34.............................. Wind or Hail Deductible IMS-110 ............................ Theft, Vandalism, Malicious

Mischief Sublimit IMS-117 ............................ Named Storm Deductible IMS-128 ............................ Named Wildfire Deductible IMS-129 ............................ Named Wildfire Aggregate Limit UTS-SP-3 ......................... Schedule of Locations UTS-287g ......................... Windstorm or Hail Exclusion UTS-490 ........................... Total or Constructive Total Loss

Provision

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https://nationwideexcessandsurplus.com/npc/doc/StateInfo/sicUwContractStateInfo.pdf

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INSPECTIONS Required per individual class requirements or upon Company request.

MINIMUM PREMIUM $500 Inland Marine minimum premium for monoline Inland Marine, unless otherwise stated. $250 Inland Marine minimum premium for a package policy, unless otherwise stated. Package policy minimum premiums are per individual sections of this guide or as required by individual programs. A package policy will be any policy with two lines of business, but must include General Liability written in conjunction with Property or Inland Marine. Crime will not be used to determine if a policy is a package policy.

PROHIBITED (all of the following items in addition to any coverage or class specific items) • Camera dealers • Domestic bulk liquids • Film Floaters • Fine art dealers • Furriers • Garment contractors • Installment sales and leased property • Jeweler’s Block • Logging equipment • Mail Coverage Form • Motor Truck Cargo—Refer to Transportation Department • Musical instruments dealers • Personal fine arts—Refer to Personal Lines Department • Radioactive Materials • Railroad rolling stock • Riggers Liability




• Salesmen’s samples • Stamp and coin dealers • Tank storage • Motorized vehicles licensed for road use • Warehouse Operators Legal Liability • Wireless communication equipment

REPLACEMENT COST COVERAGE Replacement Cost Coverage is available on equipment five years old or newer at no additional charge on the following classes: 1. Contractors Equipment. 2. Miscellaneous Articles. 3. Mobile Agricultural Machinery and Equipment.

SIGNATURE REQUIRED ENDORSEMENTS There are occasions when we must replace or limit coverage after the inception date of the policy. In these cases, we do require the endorsement to be signed by the insured with a copy sent to us for our file.

REPORTING FORM POLICIES Policies may be written on a monthly or quarterly reporting basis with underwriter approval. Attach Value Reporting Form, IH 99 08, to convert the policy to a reporting basis and indicate either monthly or quarterly reporting on the declarations page. The premium charged at inception for a reporting form policy is a deposit premium, which should equal the anticipated annual premium. Any additional or return premium will be payable at the end of the policy term. If a policy is written on a reporting basis, you must file a report with us within 30 days following each reporting period and at expiration. A coinsurance penalty will apply if the reporting values are less than the value of the covered property. Inaccurate reports cannot be corrected after loss or damage.





SUBMIT • Risks with total Inland Marine premium of $35,000 or

more • Risks with a loss in excess of $25,000, or more than two

losses in the last two years regardless of amount • Risks with existing unrepaired damages

WINDSTORM OR HAIL GUIDELINES Windstorm or hail guidelines allow us to remain a viable property market in regions of the country that are more susceptible to the perils of windstorm or hail. Since guidelines vary by state, refer to the appropriate Contract State Information page on the E&S/Specialty Portal under the Underwriting Tools tab/Related UW Information portlet/ Contract State Information. Contact your underwriter with any questions.

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Accounts Receivable

CLASSES AND COVERAGES AVAILABLE Accounts Receivable • Intent

Coverage for the cost of re-establishing records of accounts receivable, as well as the actual loss due to inability to collect sums due, resulting from insured loss or damage to these records.

• Application ACORD 145, Accounts Receivable/Valuable Papers.

• Coverages Amounts due from customers that cannot be collected, interest charges on loans that must be taken to offset the loss of funds until the claim is paid, additional expenses for collections resulting from and necessitated by the loss, and reasonable expenses incurred to reconstruct accounts receivable records that result from a covered cause of loss to records of accounts receivable.

• Credits and Surcharges If theft is excluded, a 25% credit may be applied. Attach IMS-18, Theft Exclusion Endorsement.

• Coinsurance Minimum 80% required.

• Deductible Not applicable.

• Inspection

Not applicable. • Limits

$250,000 maximum per schedule. • Underwriting Guidelines

1. Coverage Applicable Away From Your Premises is available in conjunction with Coverage Applicable at Your Premises. Limits for Away from Premises cannot exceed the total insured limits on the policy.

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Accounts Receivable

2. Records must be kept and maintained in approved and rated storage receptacles. Identification of these receptacles is required on the Accounts Receivable Coverage Form Supplemental Declarations. The following are approved and rated receptacles: • UL Class A Fire Label or SMNA “F1-D Four Hours

Exposure” Label • UL Class B Fire Label or SMNA “F1-D Two Hours

Exposure” Label • UL Class C Fire Label or SMNA “F1-D One Hour

Exposure” Label • UL or SMNA Label of at least One-Half Hour

Exposure • Submit

Reporting Form. • Rates

At Your Premises: $.60 per $100 of the limit of insurance. Away From Your Premises: $.60 per $100 of the limit of insurance.

• Additional Coverages Duplicate Records Endorsement CM 66 04 This endorsement removes the exclusion for electrical disturbance or interruption of power that occurs more than 100 feet from the insured’s premises. This endorsement may be used if at least 50% of the duplicate records are maintained in a separate responding fire division than the scheduled insured premises. Contact your underwriter for exceptions. No additional premium charge is required.

• Class Specific Forms and Endorsements Use common Inland Marine required forms plus the following: Mandatory CIS-SD-4 .................... Commercial Inland Marine

Coverage Part Accounts Receivable Coverage Form Supplemental Declarations

CM 00 66 .................... Accounts Receivable Coverage Form


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Optional CM 66 01 .................... Exclusion of Named Customers CM 66 04 .................... Duplicate Records CM 66 06 .................... Reporting







Mobile Agricultural M

achinery and Equipment

Mobile Agricultural Machinery and Equipment • Intent

Coverage for mobile agricultural machinery and equipment used in the regular operation of a farm. This includes any attached or unattached accessories, as well as tools and spare parts designed for use with the mobile equipment and machinery maintenance and operation.

• Application IM-APP-10, Mobile Agricultural Machinery and Equipment Application.

• Coverage Direct physical loss or damage, subject to certain exclusions and conditions.

• State Exceptions: AL, GA, MS, NC & SC: 1. Prohibited—Mobile Agricultural Machinery and

Equipment on a monoline basis. 2. Rates: $2.00 per $100 of coverage.


• Deductible $1,000 minimum $2,500—10% credit $5,000—15% credit Contact your underwriter for higher deductibles.

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Waiver Of Deductible For Theft Loss If equipment is registered with National Equipment Register and there is a loss due to theft with no recovery of the equipment within 30 days, we will waive the deductible up to $10,000. If equipment has an operational GPS tracking device, or similar tracking device, and there is a loss due to theft with no recovery of the equipment within 30 days, we will waive the deductible up to $5,000. If more than one deductible waiver applies to a loss, only the larger waived amount will apply. The amounts of the deductible waiver will not be combined for any one loss. Attach IMS-47, Theft Deductible Waiver Endorsement.

• Inspection Required on risks with a total schedule of $250,000 or more; or any single piece of equipment of $100,000 or more.

• Limits Scheduled Equipment—$250,000 maximum any one item; $1,000,000 maximum per schedule. Contact your underwriter for higher limits.

• Underwriting Guidelines 1. Irrigation equipment must be scheduled with a limit

on the supplemental declarations for coverage to apply. This equipment would otherwise be excluded on the coverage form.

2. Replacement Cost Coverage is available on equipment five years old or newer at no additional charge.

• Submit 1. Blanket Coverage. 2. Equipment over 25 years old.

• Prohibited 1. Equipment used in harvesting of cotton, including

cotton pickers. 2. Extra Expense.







• Rates $1.25 per $100 of coverage for scheduled equipment.

• Optional Coverages All Other Covered Property Not Specifically Described

Deductible: Policy deductible. Limits: $3,000 maximum any one item, subject to $25,000 maximum per any one loss. Guidelines: This coverage is intended for low valued items not specifically scheduled on the supplemental declarations (i.e., small handheld equipment and tools). Rates: $1.25 per $100 of any one loss limit. Forms: CIS-SD-30, Commercial Inland Marine Coverage Part Mobile Agricultural Machinery and Equipment Coverage Form Supplemental Declarations, item C.

Coverage Extension For Borrowed or Rented Farm Machinery—Scheduled

Deductible: Policy deductible. Limits: $40,000 maximum limit. Guidelines: If machinery or equipment is indicated as borrowed or rented, whether or not under a written contract, an additional limit of up to $10,000 per occurrence is provided in FP 00 30. This limit may be increased by entering a higher limit on CIS-SD-30, item B. Rates: $1.25 per $100 of coverage in excess of $10,000. Forms: CIS-SD-30, Commercial Inland Marine Coverage Part Mobile Agricultural Machinery and Equipment Coverage Form Supplemental Declarations.


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Foreign Objects in Machinery Deductible: Policy deductible. Limits: Full value of the item(s) scheduled on the supplemental declarations. Guidelines: Extends coverage to include loss due to foreign objects ingested into equipment. CIS-SD-30, Commercial Inland Marine Coverage Part Mobile Agricultural Machinery and Equipment Coverage Form Supplemental Declarations, must indicate whether coverage applies to a particular item. Rates: Surcharge the rate 10% for the numbered items for this coverage. Forms: FP 04 20, Foreign Objects In Machinery.

Breakage Of Cab Glass Deductible: None. Guidelines: This coverage provides replacement of broken cab glass on either an ACV loss valuation or on the basis of the cost to repair or replace the broken cab glass with the closest equivalent cab glass obtainable. The machinery or vehicle(s) must be identified on the form if coverage is desired. Rates: $20 for each piece of equipment. Forms: FP 05 22, Cab Glass Breakage.

Damage Sustained Only By Tires Deductible: None. Limit: $2,500 maximum any one tire. Guidelines: Provides coverage for tires (including tubes) mounted on mobile agricultural machinery and equipment at ACV only, for loss or damage sustained in occurrences involving collision, upset or overturn that does not cause covered damage to the rest of the machinery or equipment. Each group of tires and the machinery or equipment the tires are mounted on must be scheduled on the form. Rates: $1.00 per $100 of the total limit of insurance for the tires. Forms: FP 10 57, Coverage For Damage Sustained Only By Tires In Collisions, Upsets or Overturns of Mobile Agricultural Machinery and Equipment.










• Class Specific Forms and Endorsements Use common Inland Marine required forms plus the following: Mandatory CIS-SD-30 .................. Commercial Inland Marine

Coverage Part Mobile Agricultural Machinery and Equipment Coverage Form Supplemental Declarations

FP 00 30 ..................... Mobile Agricultural Machinery and Equipment Coverage Form

IMS-47 ........................ Theft Deductible Waiver Endorsement

Optional FP 04 20 ..................... Foreign Objects In Machinery FP 05 21 ..................... Replacement Cost—Mobile

Agricultural Machinery and Equipment

FP 05 22 ..................... Cab Glass Breakage FP 10 57 ..................... Coverage For Damage Sustained

Only by Tires In Collisions, Upsets or Overturns of Mobile Agricultural Machinery and Equipment

IMS-18 ........................ Theft Exclusion Endorsement












Animal Coverage

Animal Coverage • Intent

Covers animals for death or destruction only, due to a covered peril. Disease is not covered.

• Application IMS-APP-2, Commercial Inland Marine Application.

• Coverage Named Perils.


• Inspection Photo required of each animal at inception, any additions to the policy and every third year.

• Limits $10,000 maximum any one animal; $150,000 maximum per schedule. Contact your underwriter for higher limits.

• Underwriting Considerations Depending on type of animals, questions and concerns will vary. Underwriting Animal Mortality policies requires an evaluation of the physical elements involved and the degree of care owners or management exerts to maintain and protect the animals. Most animals are at a fixed location and are subject to common fixed location causes of loss. Various methods are used to keep the animals safe. The methods employed include the use of heat and water and therefore the animals are subject to loss by fire and water. Because animals are subject to accident, injury, illness or disease, the potential for loss should be evaluated based on the species or breed of animal. Furthermore, certain animals may not be insurable once they reach a certain age. Consequently, the primary underwriting considerations in issuing Animal Mortality policies are: ▪ Evaluation of the location and transit exposure

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Animal Coverage

▪ Protective devices and services utilized to protect the animals from injury, illness or disease

▪ Owners and/or Management • Rates

$2.00 per $100 of the limit of insurance. • Class Specific Forms and Endorsements

Use common Inland Marine required forms plus the following: Mandatory CIS-SD-1 .................... Commercial Inland Marine

Coverage Part Supplemental Declarations

IMS-26 ........................ Scheduled Animal Coverage Form






Bailees Customers

Bailees Customers • Intent

Coverage for property of customers in the care, custody or control of a bailee. Examples include, but are not limited to, dry cleaners and laundry establishments; tailors; appliance, computer, mobile equipment, shoe and watercraft repair shops.

• Application IM-APP-17, Bailees Customers Application.

• Coverage Direct physical loss or damage on the premises or while in transit, except as limited or excluded.


• Coinsurance Not applicable

• Deductible Other than mobile equipment and watercraft: ▪ $500 minimum ▪ $1,000—5% credit ▪ $2,500—10% credit ▪ $5,000—15% credit ▪ $10,000—20% credit Contact your underwriter for higher deductibles. Mobile equipment and watercraft: Deductible is applicable to Property in Transit for mobile equipment and watercraft. Attach IMS-111, Service Operations Bailees Endorsement. ▪ $1,000 each item/$5,000 Maximum Any One Event

minimum ▪ $2,500 each item/$12,500 Maximum Any One Event—

10% credit







Bailees Customers

▪ $5,000 each item/$25,000 Maximum Any One Event—15% credit

▪ $10,000 each item/$50,000 Maximum Any One Event—20% credit

An additional 10% credit may be applied if the Maximum Any One Event deductible is deleted.

• Inspections Required on risks with limits of $100,000 or more. (At inception and every third year.)

• Limits Property At Your Premises and/or Property Away From Your Premises: $250,000 maximum any one item ($50,000 for watercraft); $1,000,000 maximum per policy. Property In Storage At Your Premises: $25,000 maximum per policy. Property In Transit: $25,000 maximum per policy (available only with other Bailees coverage). Contact your underwriter for higher limits.

• Underwriting Considerations If target items such as electronics are repaired and/or serviced, the insured must have a central station burglar alarm and it must be warranted using IH 99 10, Protective Safeguards. If there is no central station burglar alarm system, exclude theft using IMS-18, Theft Exclusion Endorsement. Bailees Coverage should not be used as a substitute for Warehouseman’s Legal Liability, Motor Truck Cargo or Installation exposures.

• Submit 1. Crating and uncrating operations. (Crating and

uncrating of fine arts and musical instruments prohibited.)

2. Reporting Form. 3. Risks with waterborne exposure. 4. Manufacturing or custom fabrication exposures.






Bailees Customers

• Prohibited (all of the following items in addition to those noted on page 5) 1. Monoline coverage for mobile equipment and/or

watercraft. 2. Antique stores. 3. Art restoration. 4. Consignment stores. 5. Equipment used in harvesting cotton. 6. Cranes licensed for road use. 7. Crating and uncrating of fine arts and musical

instruments. 8. Furriers. 9. Installation exposures.

10. Logging equipment. 11. Jewelry stores. 12. Mining equipment. 13. Tower cranes. 14. Truckers, including household goods moving. 15. Underground equipment. 16. Underwater equipment. 17. Warehouse exposure.

• Rates Other than mobile equipment and watercraft: $1.00 per $100 of the limit of insurance. Mobile equipment and watercraft: $1.50 per $100 of the limit of insurance. Property Away From Your Premises: Use appropriate Bailees rate based on type of items insured.




Bailees Customers

Property In Storage At Your Premises: Use appropriate Bailees rate based on type of items insured. Property in Transit: No additional premium required.


Coverage Part Bailees Customers Coverage Form Supplemental Declarations

IH 00 85 ...................... Bailees Customers Coverage Form IMS-111 ...................... Service Operations Bailees

Endorsement (required for mobile equipment or watercraft exposure only)

Optional IH 99 10 ...................... Protective Safeguards IH 99 11 ...................... Gross Receipts Reporting Form IMS-18 ........................ Theft Exclusion Endorsement IMS-119 ...................... Bailees Property in Transit

Deductible UTS-287g ................... Windstorm or Hail Exclusion

(required when excluding windstorm or hail if IMS-111 is not attached)













Business Income and/or Extra Expense Coverage

Builders Risk Coverage Refer to the Contract Builders Risk Program.

Business Income and/or Extra Expense Coverage • Intent

Business income and/or extra expense are available for all applicable inland marine classes. We will not write Business Income and/or Extra Expense without corresponding inland marine coverage.

• Coverage The coverage form IH 99 28, provides two options: 1. Other Than From Dependent Property (Schedule

Part A). 2. From Dependent Property (Schedule Part B). In order for Schedule Part B to apply, a specific location must be shown in the Schedule identifying each dependent property. The following types of entities qualify as dependent properties: 1. Contributing Location: an entity that delivers

materials or services to the insured or to others whom the insured depends on (i.e., XYZ Wholesale Foods delivers produce that the insured uses in their final product or ABC Chip Co. delivers chips to our insured for sale on their food trucks).

2. Recipient Location: an entity that accepts the insured’s product or services and sells them (i.e., ABC Bakery accepts pastries made by our insured food truck for resale at the bakery retail location).

3. Manufacturing Location: an entity that manufactures the insured’s product to deliver to the insured’s customer (i.e., ABC Bakery manufactures pastries for the insured and delivers them to the supermarket for resale).

4. Leader Location: an entity that attracts business in to the insured (i.e., a major department store located in a mall where the insured operates a kiosk).





Business Income and/or Extra Expense Coverage

• Deductible Business income waiting period: Minimum waiting period is 72 hours.

• Coinsurance Coinsurance is not required.

• Limits Maximum limit is $100,000.

• Rate Rate business income and/or extra expense using the applicable inland marine class rate per $100 of coverage. Class Specific Forms and Endorsements IH 99 28 ...................... Business Income and Extra Expense

Coverage (Business Income and/or Extra Expense cannot be written without corresponding inland marine coverage.)





Computer System

s Coverage

Computer Systems Coverage • Intent

Coverage for computer equipment, data and media associated with computer systems. Air conditioning and fire suppression equipment used exclusively with computer equipment is covered along with computer equipment, data and media belonging to others that are in the insured’s care, custody and control.

• Application ACORD 148, Electronic Data Processing Section.

• Coverage Direct physical loss or damage, except as limited or excluded, to covered property at the described location, at unnamed locations and while in transit.



• Deductible $500 minimum $1,000—5% credit $2,500—10% credit $5,000—15% credit $10,000—20% credit Contact your underwriter for higher deductibles.

• Inspection Required on risks with limits of $100,000 or more. (At inception and every third year.)

• Limits $250,000 maximum per policy ($25,000 maximum limit for personal portable computers). Submit for higher limits.






Computer System

s Coverage

• Underwriting Guidelines Due to theft potential, insured must have a central station burglar alarm at the described premises and it must be warranted using IH 99 10. If no central station burglar alarm system, then exclude theft using IMS-18, Theft Exclusion Endorsement.

• Prohibited (all of the following items in addition to those noted on page 5) 1. Increased limits for the following Additional

Coverages: a. False Pretense b. Newly Acquired Premises c. Pollutant cleanup

• Rates $.60 per $100 of the limit of insurance for other than Personal Portable Computers. $1.25 per $100 of the limit of insurance for Personal Portable Computers.






Computer System

s Coverage

• Additional Coverages AVAILABLE

COVERAGES LIMITS DEDUCTIBLE GUIDELINES RATING

Debris Removal

$10,000 any one occurrence is included in Coverage Form. $25,000 maximum any one occurrence. Contact your underwriter for higher limits.

Deductible for damaged property applies.

$1.00 per $100 of limit in excess of $10,000, subject to a $250 minimum premium for Debris Removal.

False Pretense

$25,000 any one occurrence is included in Coverage Form. Higher limits not available.


Sublimit for loss due to voluntarily parting with Covered Property due to trick or scheme.

Included

Fire Extinguishing Systems Expense



Covers cost to recharge fire extinguishing systems when discharge is caused by a Covered Cause of Loss. Covers loss to Property from accidental discharge of systems.

$1.00 per $100 of expenses in excess of $10,000, subject to a $250 minimum premium for Fire Extinguishing Systems Expense.

Newly Acquired Premises



Property must be reported within 60 days after the date it is acquired.

Included

Pollutant Cleanup and Removal

$25,000 per 12-month policy term is included. Higher limits not available.


Included




Computer System

s Coverage

AVAILABLE COVERAGES LIMITS DEDUCTIBLE GUIDELINES RATING

Preservation of Property Expense



$1.00 per $100 of limit in excess of $10,000, subject to a $250 minimum premium for Preservation of Property Expense.

Rewards $10,000 any one occurrence is included in Coverage Form. $25,000 maximum any one occurrence. Contact your underwriter for higher limits.


Sublimit for rewards paid for information leading to the arrest and conviction of the persons committing the crime and the return of stolen Covered Property.

$1.00 per $100 of limit in excess of $10,000, subject to a $250 minimum premium for Rewards.

Virus, Harmful Code or Similar Instruction

$25,000 in any one policy year included in Coverage Form. Contact your underwriter for higher limits.


Sublimit for damage to Covered Property due to virus or harmful code. Applies to both physical damage and Business Income coverage.

$2.00 per $100 of limit in excess of $25,000, subject to a $250 minimum premium for Virus, Harmful Code or Similar Instruction.




Computer System

s Coverage


Coverage Part Computer Systems Coverage Form Supplemental Declarations

IH 00 75 ...................... Computer Systems Coverage Form IH 99 10 ...................... Protective Safeguards IMS-103......................Theft From Unattended Vehicle

Exclusion Optional IMS-18 ........................ Theft Exclusion Endorsement UTS-287g ................... Windstorm or Hail Exclusion










Contractors Combination Form

Contractors Combination Form Intent Contractors Combination Form is intended for use by small contractors with small-valued items and low installation limits. Covered Property includes contractors’ equipment and tools (including their spare parts and accessories), employee tools or clothing and installation property. Contractors equipment that is owned, borrowed from or leased from others is included as Covered Property. Installation property includes materials, supplies, equipment and fixtures intended to be installed on a project. A sublimit for employee tools and clothing applies.

Application IMZ-APP-19, Contractors Combination Application.

Coverage Direct physical loss or damage, except as limited or excluded to Covered Property at jobsites, temporary storage and while in transit. Replacement cost applies for any Covered Property not more than five years old. * All covered property shares a single limit of insurance.

Credits and Surcharges Not applicable.

Coinsurance Not applicable.

Deductible $1,000. Other deductible options are not available.

Inspection Not applicable.

Limits Available blanket limit options are $50,000 or $75,000 per occurrence.

https://ctg.nationwideexcessandsurplus.com/CtgTopicalGuides/Search.do?formNumber=IMZ-APP-19




Contractors Combination Form

Employee tools and clothing are limited to $1,000 per employee, $5,000 per occurrence.

Underwriting Guidelines 1. No losses in the past three years involving contractors’

equipment, employee tools or installation property. 2. If combined value of contractors’ equipment, installation

property and employee tools and clothing exceed $75,000, insured is not eligible for this coverage form. Refer to Contractors Equipment section of this Guide.

3. If insured requires deductible other than $1,000, refer to Contractors Equipment Section of this Guide.

4. No Statement of Values is required.

Rates 1. $450 flat charge for $50,000 limit. 2. $750 flat charge for $75,000 limit. * Minimum premium of $500 for monoline Inland Marine

policy does not apply.

Class Specific Forms and Endorsements Mandatory CIS-SD-38, Contractors Inland Marine Combination Coverage Form Supplemental Declarations IMS-P-16, Contractors Inland Marine Combination Coverage Form CM 00 01, Commercial Inland Marine Conditions IL 00 17, Common Policy Conditions


https://ctg.nationwideexcessandsurplus.com/CtgTopicalGuides/Search.do?formNumber=IMS-P-16






Contractors Equipment

Contractors Equipment • Intent

Contractors Equipment provides broad property coverage for machinery, equipment and tools used by contractors. Equipment includes, but is not limited to, tractors, cranes, graders, forklifts, front-end loaders, backhoes, bulldozers, tools and similar equipment that is mobile. Equipment borrowed, leased or rented from others and equipment leased or rented to others may be covered and must be indicated on CIS-SD-11 with the applicable limit. See also tables for Additional and Optional Coverages.

• Application IM-APP-9, Contractors Equipment Application. IM-APP-18, Contractors Equipment Application—Small Schedule (available for accounts with five or less pieces of equipment).

• Coverage Direct physical loss or damage, except as limited or excluded, to covered property at jobsites, unnamed locations and while in transit.

• State Exceptions AL, GA, MS, NC & SC: 1. Prohibited—Contractors Equipment on a monoline

basis. 2. Rates: $2.00 per $100 of the limit of insurance. Florida: 1. Equipment Limits: $150,000 maximum any one item;

$500,000 maximum per schedule. Contact your underwriter for higher limits. Blanket Limits: $500,000 any one occurrence.

2. All Covered Property in Any One Occurrence: $500,000 maximum. Contact your underwriter for higher limits.

3. Rates: $1.50 per $100 of the limit insurance including theft.

4. Submit risks with prior contractors equipment losses, regardless of the amount of loss.








• Credits and Surcharges 1. If theft is excluded, a 25% credit may be applied.

Attach IMS-18, Theft Exclusion Endorsement. • Coinsurance

Minimum 80% required. • Deductible

$1,000 minimum. $2,500—10% credit. $5,000—15% credit. $10,000—20% credit. Contact your underwriter for higher deductibles or deductibles written as a percentage of value. Waiver Of Deductible For Theft Loss If equipment is registered with National Equipment Register and there is a loss due to theft with no recovery of the equipment within 30 days, we will waive the deductible up to $10,000. If equipment has an operational GPS tracking device, or similar tracking device, and there is a loss due to theft with no recovery of the equipment within 30 days, we will waive the deductible up to $5,000. If more than one deductible waiver applies to a loss, only the larger waived amount will apply. The amounts of the deductible waivers will not be combined for any one loss. Attach IMS-46, Theft Deductible Waiver Endorsement.

• Inspection Required on risks with a total schedule of $250,000 or more, or any single piece of equipment of $100,000 or more. (At inception and every third year.)







• Limits For any limits exceeding those stated below, contact your underwriter. 1. Scheduled Equipment (Owned, Borrowed, Leased or

Rented): a. $250,000 maximum any one item; (FL: $150,000

maximum.) b. $1,000,000 maximum per schedule. (FL: $500,000

maximum.) 2. Blanket Equipment:

a. $1,000,000 maximum limit (FL: $500,000 maximum.)

b. Miscellaneous Small Tools and Equipment maximum limits: $5,000 any one item/$50,000 any one occurrence.

3. Any coverage written on an “If Any” basis: $100,000 maximum limit.

4. All Covered Property in Any One Occurrence—$2,000,000 maximum. (FL: $500,000 maximum.) The following are to be considered for the purpose of calculating this limit: a. Contractors Equipment Owned by Insured. b. Contractors Equipment Borrowed from Others. c. Contractors Equipment Leased or Rented from

Others. d. Contractors Equipment Loaned to Others. e. Contractors Equipment Leased or Rented to

Others. f. Employee Tools and Clothing. g. Fuel, Accessories and Spare Parts.

5. See Optional or Additional Coverages tables for all other limits authority.





• Underwriting Guidelines 1. Equipment borrowed, leased or rented from others is

considered covered property under the Contractors Equipment Coverage Form and should be rated the same as owned equipment. Coverage may be provided on an “if any” basis up to $100,000. On the CIS-SD-11, display “If Any” for the Description/Serial Number in the appropriate type of equipment section. The Limit of Insurance for “If Any” will apply on a per occurrence basis. Contact your underwriter for higher limits.

2. Replacement Cost Coverage is available on equipment five years old or newer at no additional charge. This is triggered when the appropriate checkbox is marked in the Valuation section on CIS-SD-11. Replacement Cost may be provided for specific items over five years old by using IH 99 07. (Submission required.)

3. For trailers, refer to Miscellaneous Articles class page (mobile homes prohibited).

4. Additional coverages may be excluded by indicating an “x” in the checkbox for the coverage being excluded on IMS-121.

5. Policy considerations: • Scheduled items must be identified by a serial

number or equivalent identification number. • A Statement of Values is required for blanket

insurance except for items insured using the Miscellaneous Small Tools and Equipment category or any category written on an “If Any” basis.

• For miscellaneous small tools and equipment, indicate the applicable limits on CIS-SD-11 for “Miscellaneous Small Tools and Equipment Owned by Insured.”

• For blanket equipment owned by insured, indicate the applicable limits on CIS-SD-11 for “Blanket Equipment Consisting of Equipment Owned by Insured.” (Submission required.)











• For blanket borrowed equipment from others, indicate the applicable limits on CIS-SD-11 for “Blanket Equipment Consisting of Borrowed Equipment from Other.” (Submission required.)

• For blanket leased or rented equipment from others, indicate the applicable limits on CIS-SD-11 for “Blanket Equipment Consisting of Leased or Rented Equipment From Others.” (Submission required.)

• For Additional Coverages, a limit of insurance should be displayed on CIS-SD-11 only if the limit differs from the amount automatically included in the coverage form.

• Submit 1. Blanket coverage for other than miscellaneous small

tools and equipment. Blanket coverage is rated based on the limit for any one occurrence per $100 of limit of insurance. (Blanket coverage for equipment loaned, leased or rented to others prohibited.)

2. Equipment over 25 years old. 3. Custom built equipment (include details on availability

of repair services and parts). 4. Rental Reimbursement waiting period less than 72

hours. 5. Replacement cost on items over five years old. 6. Reporting form. 7. Sawmill equipment. 8. Weight of Load Exclusion buyback (Weight of Load

Sublimit, IMS-44, will be required.) • Prohibited (all of the following items in additional to those

noted on page 5.) 1. Property written on an Agreed Value basis. 2. Blanket coverage for equipment loaned, leased or

rented to others. 3. Cranes licensed for road use and/or written under an

auto policy.









4. Loaning of equipment to others without a written lease or rental agreement.

5. Leasing or renting to others equipment that the insured has leased or rented from others on a short-term basis.

6. Logging equipment. 7. Mining equipment. 8. Office or construction trailers and their contents

(exclude Additional Coverage that is provided in the Coverage Form by attaching IMS-121 and marking checkbox for Trailers). See Miscellaneous Articles for coverage of these items.

9. Tower cranes. 10. Underground and underwater equipment. 11. Waterborne property (property in transit on ferries

operating on the navigable waters of the Continental US is acceptable).

• Rates 1. $1.00 per $100 of the limit of insurance for equipment

owned by the insured (either scheduled or blanket). (See AL, FL, GA, MS, NC & SC state exceptions.)

2. See separate tables for Additional Coverages and Optional Equipment Coverages for additional rates.

• Additional Coverages See Additional Coverages table after Forms.

• Optional Equipment Coverages See Optional Equipment Coverages table after Forms.


Coverage Part Contractors Equipment Coverage Form Supplemental Declarations







IH 00 68 ...................... Contractors Equipment Coverage IMS-45 ........................ Weight of Load Exclusion IMS-46 ........................ Theft Deductible Waiver

Endorsement (if providing theft) IMS-103 ...................... Theft From An Unattended Vehicle

Exclusion (required if providing Miscellaneous Small Tools and Equipment Coverage without corresponding scheduled owned equipment)

IMS-121 ...................... Exclusion of Designated Additional Coverages—Contractors Equipment (checkmark the box for Trailers and Contents)

Optional CIS-SD-39 .................. Contractors Equipment Coverage

Form Supplemental Declarations Extension (available if additional lines are needed to schedule equipment)

IH 68 04 ...................... Boom Limitation IH 68 06 ...................... Contractors Equipment Reporting

Form (submission required) IH 99 07 ...................... Replacement Cost (Use only when

Replacement Cost applies to specific items over five years old. Use CIS-SD-11 to indicate Replacement Cost for all items five years old or newer.)

IMS-18 ........................ Theft Exclusion Endorsement IMS-44 ........................ Weight of Load Sublimit

(submission required) UTS-287g ................... Windstorm or Hail Exclusion


















• Optional Coverages AVAILABLE


Contractors Equipment Borrowed from Others

$250,000 maximum any one item; $1,000,000 maximum per schedule or blanket limit. $100,000 on “If Any” basis. Contact your underwriter for higher limits.

$1,000 minimum. Indicate on CIS-SD-11.

Equipment borrowed from others is considered covered property under the Contractors Equipment Coverage Form and is subject to the same guidelines and rates as owned equipment.

$1.00 per $100 of limit of insurance (See AL, FL, GA, MS, NC & SC state exceptions.)

Contractors Equipment Leased or Rented from Others

$250,000 maximum any one item; $1,000,000 maximum per schedule or blanket limit. $100,000 on an “If Any” basis. Contact your underwriter for higher limits.


Equipment leased or rented from others is considered covered property under the Contractors Equipment Coverage Form and is subject to the same guidelines and rates as owned equipment.

$1.00 per $100 of limit of insurance (See AL, FL, GA, MS, NC & SC state exceptions.)








Contractors Equipment Leased or Rented to Others

$250,000 maximum any one item; $1,000,000 maximum per schedule. Contact your underwriter for higher limits.


Equipment must be scheduled and identified by serial number. Copy of the lease agreement and maintenance schedule required. Cranes and large equipment with values over $250,000 must be leased or rented with our insured’s operator. Prohibited: Leasing or renting to others equipment that the insured has leased or rented from others on a short-term basis.

$1.50 per $100 of limit of insurance (See AL, GA, MS, NC & SC state exceptions.)







Contractors Equipment Loaned to Others

$250,000 maximum any one item; $1,000,000 maximum per schedule. Contact your underwriter for higher limits.


Equipment must be scheduled and identified by serial number. Copy of maintenance schedule required. Cranes and large equipment with values over $250,000 must be loaned with our insured’s operator. Prohibited: Loaning to others of equipment that the insured has borrowed, leased or rented from others on a short-term basis.

$1.50 per $100 of limit of insurance (See AL, GA, MS, NC & SC state exceptions.)

Miscellaneous Small Tools and Equipment Coverage

$5,000 maximum any one item; $50,000 maximum any one occurrence. Contact your underwriter for higher limits.

$500 minimum. Indicate on CIS-SD-11.

Intended for low valued items not specifically scheduled.

$2.00 per $100 of Any One Loss Occurrence limit of insurance.









Additionally Acquired Property

The lessor of: 1) 25% of the total Limit of Insurance or 2) $250,000 any one occurrence is included in Coverage Form. Higher limits not available.



Included

Debris Removal




Employee Tools and Clothing

$1,000 any one employee, $5,000 any one occurrence is included in Coverage Form. $5,000 maximum any one employee; $25,000 maximum any one occurrence. Contact your underwriter for higher limits.

$100 minimum. Indicate on CIS-SD-11.

Covers employee tools and clothing while in insured contractor’s custody and control.

$3.00 per $100 of Any One Occurrence Limit in excess of $5,000.







Expediting Expense



Covers extra cost incurred to make temporary repairs or to expedite repairs. Contact your underwriter if schedule includes custom built equipment.

Included

False Pretense



Sublimit for loss due to voluntarily parting with Covered Property due to trick or scheme.

Included

Fire Department Service Charge


No deductible applies.

$1.00 per $100 of expenses in excess of $10,000, subject to a $250 minimum premium for Fire Department Service Charge.




Covers cost to recharge fire extinguishing systems when discharge is caused by a Covered Cause of Loss. Covers loss to Property from accidental discharge of systems.

$1.00 per $100 of expenses in excess of $10,000, subject to a $250 minimum premium for Fire Extinguishing Systems Expense.






Fuel, Accessories and Spare Parts



Coverage for accessories, whether or not attached to equipment should be included in this limit.

$2.00 per $100 of limit in excess of $10,000.

Inventory and Appraisal Expense

$25,000 any one occurrence is included. Higher limits not available.


Does not apply to appraisal costs incurred under Loss Conditions.

Included


$25,000 per 12-month policy term is included. Higher limits not available.


Included

Rental Reimburse-ment

$10,000 any one occurrence/ $500 per day is included in Coverage Form. $100,000 maximum per occurrence. Contact your underwriter for higher limits.

72-hour waiting period. Contact your underwriter for shorter waiting period.

Covers rental expenses if loss or damage is the result of a covered loss.

$1.00 per $100 of expenses in excess of $10,000, subject to a $250 minimum premium for Rental Reimburse-ment.








Exhibition Coverage

Exhibition Coverage • Intent

Coverage on various types of property while on exhibition at trade shows, expositions, fairs, etc. The primary purpose is to provide coverage for the insured’s property or for property of others in the insured’s care, custody or control at display and exhibition sites away from the insured’s location.

• Application IM-APP-15, Exhibition Application.

• Coverage Direct physical loss or damage to covered property, except as limited or excluded, on covered property at exhibitions or show sites and in transit.



• Deductible $500 minimum. $1,000—5% credit $2,500—10% credit $5,000—15% credit $10,000—20% credit Contact your underwriter for higher deductibles.

• Inspections Not applicable.

• Limits 1. $250,000 maximum per schedule. 2. $10,000 maximum for blanket insurance. Contact your underwriter for higher limits.






Exhibition Coverage

• Underwriting Guidelines 1. Verify exhibit areas are secured during off hours. 2. If providing transit through a common carrier, confirm

they have their own coverage. 3. Property in Transit: For exhibition limits exceeding

$125,000, apply a sub-limit of $125,000 for Property in Transit or contact your underwriter for a higher limit. Display the sub-limit on CIS-SD-26.

• Rates 1. 1 - 5 day event—$.75 per $100 of the limit of insurance.

More than 5 days—Contact your underwriter. 2. Property in Transit—no additional premium. Premium is fully earned.


Coverage Part Exhibition Coverage Form Supplemental Declarations

IH 00 92 ...................... Exhibition Coverage Form







Comm

ercial Fine Arts

Commercial Fine Arts • Intent

Coverage for scheduled items of Business Personal Property that would be considered collector’s items or one-of-a-kind items such as paintings, antiques, statues, or stained glass not installed as part of the building. Our intent is not to write fine arts dealers, but rather commercial risks that may have paintings or fine arts on display—such as a restaurants, churches, etc. This coverage does not apply to exhibitions at fair grounds or on the premises of any national or international exhibition.

• Application IM-APP-16, Commercial Fine Arts Application.

• Coverage Direct physical loss or damage to covered property from any of the covered causes of loss.




• Inspections Appraisal required for any item valued over $25,000. (At inception and every third year.) Photo required for each item over $10,000.






Comm

ercial Fine Arts

• Limits $50,000 maximum any one item, $250,000 maximum per schedule. Contact your underwriter for higher limits.

• Underwriting Guidelines 1. Central station burglar alarm is required; warrant

using IH 99 10. If no central station burglar alarm system, exclude theft using IMS-18.

2. Stained or art glass installed as part of the building is covered under Building coverage. Be sure to include the value of such glass in the building limit.

• Submit Churches or other places of worship when providing theft coverage.

• Prohibited (all of the following items in addition to those noted on page 5) 1. Fine art dealers. 2. Personal fine arts (refer to Personal Lines

Department). 3. Reporting Form. 4. Blanket insurance.

• Rates $1.00 per $100 of the limit of insurance.

• Optional Coverage Breakage

Deductible: Same as policy. Limits: Same as policy. Guidelines: Breakage Exclusion applies unless indicated on the Supplemental Declarations. This exclusion applies to art glass windows, statuary, glassware, bric-a-brac, marble, porcelain and similar fragile property. Rates: Add $.50 to the Fine Arts rate used for fragile items.






Comm

ercial Fine Arts

Forms: CIS-SD-16, Commercial Inland Marine Coverage Part Fine Arts Coverage Form Supplemental Declarations. Indicate accordingly if Breakage Exclusion is not to apply.


Coverage Part Fine Arts Coverage Form Supplemental Declarations

IH 00 74 ...................... Commercial Fine Arts Coverage Form

IH 99 10 ...................... Protective Safeguards Optional IH 99 06……………….Schedule IMS-18 ........................ Theft Exclusion Endorsement UTS-287g……………..Windstorm or Hail Endorsement

Exclusion











Golf Carts

Golf Carts • Intent

Coverage for golf carts that are rented or owned by the insured for business purposes. Golf carts licensed for road use are prohibited. (TX only: Golf carts licensed for road use and beach use are prohibited.)


• Coverage Direct physical loss or damage, except as limited or excluded.


• Deductible $500 minimum.

• Inspections Required on risks with schedules of $100,000 or more.

• Limits $500,000 maximum limit per schedule.

• Underwriting Guidelines 1. Confirm value of golf carts and the number of golf carts

to make sure adequate insurance is provided. Include the value of permanently attached equipment, such as misters, GPS, etc.

2. Storage: Carts should be chained or garaged since burglary is provided on all forms. Keys to golf carts should be locked in separate office.

• Submit 1. Blanket Coverage. 2. Reporting Form.






Golf Carts

• Prohibited 1. Golf carts licensed for road use. 2. Replacement Cost. 3. TX only: Golf car rental for beach use.

• Rates $1.00 per $100 of coverage.


Coverage Part Miscellaneous Articles Coverage Form Supplemental Declarations

IH 00 79 ...................... Miscellaneous Articles Coverage Form

Optional IH 79 01 ...................... Miscellaneous Articles Blanket

Coverage (submission required) IH 99 08 ...................... Value Reporting Form (submission

required) IMS-18 ........................ Theft Exclusion Endorsement









Installation Coverage

Installation Coverage • Intent

Covers personal property intended for installation in, or erected or fabricated at, buildings being renovated, upgraded or remodeled. The insured is usually the contractor doing the installation and the property can be owned property or property of others in the insured’s care, custody or control. Coverage is for any property that will become a permanent part of the project that is on the construction site, as well as at temporary locations and in transit.

• Application ACORD 147, Installation/Builders Risk Section.

• Coverage Direct physical loss or damage to covered property, except as limited or excluded.

• Deductible $1,000 minimum.

• Inspections Required on risks with limits of $100,000 or more.

• Limits $500,000 maximum—At any one job site or unscheduled coverage. $125,000 maximum—At any location other than a job site. $125,000 maximum—Property in transit. Contact your underwriter for higher limits.

• Underwriting Guidelines 1. Determine nature of business, type of property

insured, years in business, loss experience, the average number of jobs in progress at any one time, and the average duration of a job.

2. When insuring more than one project on a single policy, a separate CIS-SD-15, Installation Coverage Form Supplemental Declarations, is required for each project.

3. Verify safeguards at installation site until property is installed and becomes part of the building (i.e., fenced, lighted, security guards).







4. Rigging equipment operator must have at least five years of experience in operation of equipment if rigging operations exist for highly valued property, large size property, or high lifts. The term rigging refers only to lifting operations that are part of an installation risk.

5. Additional coverages may be excluded by indicating an “x” in the checkbox for the coverage being excluded on IMS-122.

• Submit 1. Reporting Form. 2. The following rigging operations:

a. Helicopter lifts. b. Tandem lifts (lifts involving two or more cranes). c. Waterborne lifts.

3. IH 99 15 Delay in Completion (includes Business Income, Rental Value and Soft Costs).

• Prohibit 1. Earthquake Volcanic Eruption Coverage. 2. Increased limits for any of the following Additional

Coverages: • Below Ground Water and Backup of Sewer or Drain • Contractual Penalties • Expediting Expense • Extra Expense (if additional Extra Expense is

needed, refer to Business Income section of this Guide.)

• False Pretense • Fungi, wet rot and dry rot • Pollutant Cleanup • Rewards

3. Testing coverage under Additional Coverages. 4. Riggers Liability. 5. Water Damage Coverage.







• Rates Annual Scheduled or Unscheduled Locations: Rates apply per $100 of annual installation receipts (not to limit of insurance).

Annual Installation Receipts Total Limits Of Insurance

$3,500,000 and under

$3,500,001 to $5,000,000

$5,000,001 and over

$500,000 and under $.30 $.25 $.22 $500,001-$1,000,000 .28 .23 .20 $1,000,001 and over .25 .20 .18

Per Project Basis: Total Limits Of Insurance Rate per $100 of coverage

$500,000 and under $.20 $500,001-$1,000,000 .18 $1,000,001 and over .16

• Additional Coverages See Additional Coverages table after Forms.


Coverage Part Installation Coverage Form Supplemental Declarations

IH 00 73 ...................... Installation Coverage Form IMS-122 ...................... Exclusion of Designated Additional

Coverages—Installation (checkmark the box for Testing)

Optional IH 99 08 ...................... Value Reporting Form IH 99 14 ...................... Mortgageholders IH 99 15 ...................... Delay in Completion Coverage













Below Ground Water and Backup of Sewer and Drain



Included

Contractual Penalties



Included

Debris Removal

$10,000 any one occurrence is included in Coverage Form. $25,000 maximum any one occurrence. Submit for higher limits.



Expediting Expense



Included

Extra Expense $25,000 any one occurrence is included in Coverage Form. Higher limits not available.


Refer to Business Income section in order to provide additional Extra Expense coverage.

Included

False Pretense



Included






Fire Department Service Charge


No deductible applies.

$1.00 per $100 of limit in excess of $10,000, subject to a $250 minimum premium for Fire Department Service Charge.




$1.00 per $100 of limit in excess of $10,000, subject to a $250 minimum premium for Fire Extinguishing Systems Expense.

Limited Fungi, Wet Rot and Dry Rot



Included




Included

Preservation of Property Expense



$1.00 per $100 of limit in excess of $10,000, subject to a $250 minimum premium for Preservation of Property Expense.

Rewards $10,000 any one occurrence is included in Coverage Form. Higher limits not available.


Included




Miscellaneous Articles

Miscellaneous Articles • Intent

Coverage is intended for miscellaneous property owned or leased by the insured, other than contractors equipment, that does not remain at a fixed location. Examples would be lighting and sound equipment, portable medical equipment and DJ equipment. Coverage is available for equipment leased to others, other than contractors equipment.

• Application IM-APP-14, Miscellaneous Articles Application.

• Coverage Direct physical loss or damage, except as limited or excluded. Note: Coverage form contains an exclusion for theft from an unattended vehicle.



• Deductible $500 minimum $1,000—5% credit $2,500—10% credit $5,000—15% credit $10,000—20% credit Contact your underwriter for higher deductibles.

• Limits 1. Scheduled items: $50,000 maximum any one item;

$100,000 maximum per schedule. Contact your underwriter for higher limits.

2. Blanket coverage: $5,000 maximum any one item, $100,000 maximum any one occurrence.

Contact your underwriter for higher limits.







• Underwriting Guidelines 1. IH 79 01, Miscellaneous Article Blanket Coverage, is

intended for low value, unscheduled items. Any item over $5,000 must be scheduled; all other items can be covered under blanket coverage. A description of the type of property being covered is required on IH 79 01. For example, “Cooking equipment and utensils.” A Statement of Values is required for all blanket coverage.

2. Replacement Cost Coverage is available on items five years old or newer at no additional charge. Indicate whether this valuation applies by selecting the checkbox on the CIS-SD-20.

3. When insuring trailers, consideration should be given to the type of trailer, the amount of customization and the frequency it is being moved from one location to another (exposure to collision or overturn). Describing a trailer as Covered Property does not extend coverage to the contents of that trailer. Contents of the trailer must be described separately in order for coverage to apply.

• Rates Other Than Trailers: $1.25 per $100 of the limit of insurance AL, GA, MS, NC & SC only: $2.00 per $100 of the limit of insurance Trailers: (not motorized vehicles) $2.25 per $100 of the limit of insurance

• Submit 1. More than two losses and/or a single loss over $10,000. 2. Replacement cost on items more than five years old.








• Prohibited (all of the following items in addition to those noted on page 5.) 1. Coverage for theft from an unattended vehicle

(exclusion in coverage form may not be removed). 2. Antennas and satellite dishes. 3. Antiques. 4. ATVs and UTVs. 5. Items permanently attached to automobiles. 6. Coin collections. 7. Dwellings of any type including trailers, tiny homes or

container homes. 8. Film. 9. Fine arts.

10. Furs. 11. Household goods in storage. 12. Jewelry. 13. Mobile homes. 14. Motorized vehicles licensed for road use. 15. Musical instruments. 16. Personal collections (refer to the Personal Lines

Department). 17. Precious or semi-precious gems. 18. Pyrotechnic equipment. 19. Semi-trailers 20. Stamps. 21. Trading cards.





• Class Specific Forms and Endorsements Use common Inland Marine required forms plus the following: Mandatory CIS-SD-20 .................. Inland Marine Coverage Part

Miscellaneous Articles Coverage Form Supplemental Declarations

IH 00 79 ...................... Miscellaneous Articles Coverage Form

Optional CIS-SD-40 .................. Inland Marine Coverage Part

Miscellaneous Articles Coverage Form Supplemental Declarations Extension (available if additional lines are needed to schedule items)

IH 79 01 ...................... Miscellaneous Articles Blanket Coverage

IH 99 07 ...................... Replacement Cost IMS-18 ........................ Theft Exclusion Endorsement UTS-287g ................... Windstorm or Hail Exclusion














Additional Acquired Property




Included

Debris Removal




False Pretense



Included

Inventory and Appraisal Expense

$25,000 any one occurrence is included. Higher limits not available.


Does not apply to appraisal costs incurred under Loss Conditions.

Included








Prize Indemnification

Prize Indemnification • Intent

Coverage for the amount of the prize if a hole-in-one is made, basketball shot or field goal kick is made, or a record fish or tagged fish is caught. We will consider other types of exposures on a submit basis. Policy effective dates are intended to cover the dates of the contest or event only. Annual policy terms are prohibited.

• Application IMS-APP-8, Prize Indemnification Application.

• Coverage Available Refer to form for exact coverage. Written on a monoline basis only.



• Inspection Not applicable.

• Limits $100,000 maximum.

• Underwriting Guidelines Policy effective dates must reflect only the date(s) during which the contest or event is being held.

• Prohibited (all of the following items in addition to those noted on page 5) No guaranteed winner. Basketball Shoot

1. Amateurs only. (Not eligible if the contestant played or is currently playing basketball professionally or for any two- or four-year college.)

2. Participants must be selected by a random drawing at the game.

3. No practice shots.






4. Rate is based on a regulation, professional size court. Contact your underwriter if less than regulation, professional size court.

5. Provide number of shots. 6. Provide number of years contest held and loss

history. Field Goal Kick

1. Amateurs only. (Not eligible if the contestant played or is currently playing football or soccer professionally or for any two- or four-year college.)

2. Participants randomly picked from the audience during the game.

3. No practice kicks. 4. Football field must be regulation size (120 yards). 5. Provide number of times contest held and loss

history. Fishing Tournaments: Tagged Fish

1. Amateurs only. 2. Local Fish and Game Department person must be

responsible for releasing fish. 3. Tournament must be supervised by local Fish and

Game Department. 4. Consider acreage of lake, where fish is to be

released, number of participants, and number of days for the tournament.

5. Provide number of times tournament held and loss history.

Record Fish 1. Amateurs only. 2 Tournament must be supervised by local Fish and

Game Department. 3. What is the current state record for the type of

fish? 4. Consider acreage of lake, number of participants,

and number of days for the tournament.





5. Only live fish and fish caught during contest hours and within the tournament boundaries are eligible.

6. Provide number of times tournament held and loss history.

Hole-In-One 1. Amateurs only. (Not eligible if the contestant

played or is currently playing golf professionally or for any two- or four-year college.)

2. Must be monitored by tournament committee member at all times during the tournament.

3. If more than two rounds, contact your underwriter. 4. Provide number of times tournament held and loss

history. • Minimum Premium

$1,000 per event. • Rates

Basketball Shoot Contact to your underwriter.

Field Goal Kick Contact to your underwriter.

Fishing Derby Contest Contact to your underwriter.

Hole-In-One 120-150 yards—5% of the prize. 151-175 yards—4% of the prize. 176 yards and over—3% of the prize. Coverage available for up to two rounds by applying a 20% debit to above rates.


Coverage Part Supplemental Declarations

IMS-P-1 ...................... Prize Indemnification Coverage Form






Signs

Signs • Intent

Covers neon, fluorescent, LED, automatic or mechanical electric signs; lamps; street clocks and similar property of the insured’s or in the insured’s care, custody or control.


• Coverage Direct physical loss or damage to covered property, except as limited or excluded.

• Credits and Surcharges 1. If theft is excluded, a 25% credit may be applied.

Attach IMS-18, Theft Exclusion Endorsement. • Coinsurance

Minimum 80% required • Deductible

$1,000 minimum $2,500—10% credit $5,000—15% credit $10,000—20% credit Contact your underwriter for higher deductibles.

• Inspection Required on risks where any scheduled sign value is $100,000 or more. (At inception and every third year.)

• Limits $250,000 maximum per sign, $1,000,000 maximum per schedule. Contact your underwriter for higher limits.






Signs

• Underwriting Guidelines 1. Signs over 50 feet in height must be properly secured

per any local and/or state codes. 2. Neon, fluorescent, automatic or mechanical electric

signs or lamps are not considered Covered Property unless IMS-48 is attached to policy.

3. Note: Property form CP 00 10 includes $2,500 for attached or unattached signs. CP 14 40 can be used to increase limits for an attached or unattached sign exposure on the Property Coverage Part. If signs are mobile in nature, insure under Inland Marine Coverage.

4. All signs must be scheduled. Blanket coverage is not available.

• Submit Mobile signs greater than $50,000 in value.

• Rates $1.00 per $100 of the limit of insurance.


Coverage Part Signs Coverage Form Supplemental Declarations

IH 00 67 ...................... Signs Coverage Form IMS-48 ........................ Signs


https://ctg.nationwideexcessandsurplus.com/CtgTopicalGuides/Search.do?formNumber=CP%2000%2010

https://ctg.nationwideexcessandsurplus.com/CtgTopicalGuides/Search.do?formNumber=CP%2014%2040







Unm

anned Aircraft Systems (D

rones)

Unmanned Aircraft Systems (Drones) • Intent

Coverage for unmanned aircraft systems (UAS) owned by the insured and used in precision operations (i.e., aerial imaging, data acquisition and surveying). Imaging includes photographic, video and infrared images. Unmanned aircraft is the flying portion of the system, either fixed-wing or rotary-wing and flown by a ground control system, or autonomously through the use of an on-board computer, communication links and any additional equipment that is necessary for the unmanned aircraft to operate safely. It is not designed to be controlled directly by an individual from within or on the aircraft. Unmanned aircraft support equipment is the control station, data links, telemetry, communication and navigation equipment necessary to operate the unmanned aircraft. Desktop or laptop computers and cellular phones are not considered support equipment.

• Advertising Material A free marketing brochure and E-flier are available to assist you in promoting Unmanned Aircraft Systems Inland Marine Coverage. Refer to the E&S/Specialty Portal under the Underwriting Tools tab/Marketing Tools page.

• Application UTZ-APP-442, Unmanned Aircraft System (UAS) Application, required.

• Coverage Direct physical loss or damage from sudden and accidental causes, including operator error, except as limited or excluded.

• Deductible $500 minimum.


• Limits $50,000 maximum any one item; $250,000 maximum per schedule. Submit for higher limits.

https://nationwideexcessandsurplus.com/essportal/#/app-side-bar/Underwriting-Tools/Marketing-Tools

https://ctg.nationwideexcessandsurplus.com/CtgTopicalGuides/Search.do?formNumber=UTZ-APP-442




Unm

anned Aircraft Systems (D

rones)

• Underwriting Guidelines

1. The unmanned aircraft system must be operated in accordance with applicable Federal Aviation Administration guidelines and operated five or more miles from the property line of any airport available for public use.

2. The unmanned aircraft system must be used for precision operations such as aerial imaging, data acquisition and surveying. Imaging includes photographic, video and infrared images.

• Submit Limits in excess of $50,000 any one item; $250,000 per schedule.

• Prohibited

1. Leased or rented to others. 2. Used for aerial application of chemicals. 3. Used to carry packages/payloads. 4. Replacement cost coverage.

• Rates

$3.00 per $100 of total limits. • Class Specific Forms and Endorsements

Use common Inland Marine required forms plus the following: Mandatory

CIS-SD-20 .................. Commercial Inland Marine Coverage Part Miscellaneous Articles Coverage Form Supplemental Declarations (For Limits of Insurance/Schedule of Covered Property indicate: See Unmanned Aircraft Systems Coverage Form, IMS-P-8)

IMS-P-8 ...................... Unmanned Aircraft Systems Coverage Form







Valuable Papers and Records

Valuable Papers and Records • Intent

Covers documents or papers owned by, or in the care, custody or control of the insured. Valuable papers and records include, but are not limited to, documents that are inscribed, printed or written, including manuscripts, books, deeds, films, maps and mortgages.

• Application ACORD 145, Accounts Receivable/Valuable Papers.

• Coverage Direct physical loss or damage to covered property from a covered cause of loss. Any property that cannot be replaced with property of like kind and quality must be specifically scheduled in order for coverage to apply.


• Coinsurance Not applicable.









• Limit 1. $250,000 maximum per schedule or blanket limit. 2. Coverage form includes $5,000 for Property Away from

Your Premises. Limits may be increased up to $25,000. Contact your underwriter for higher limits.

• Underwriting Guidelines 1. Coverage Applicable Away From Your Premises is

available in conjunction with Coverage Applicable at Your Premises. Limits for Away from Premises cannot exceed the total insured limits on the policy.

2. Records must be kept and maintained in approved and rated storage receptacles. Identification of these receptacles is required on the Valuable Papers and Records Coverage Form Supplemental Declarations. The following are approved and rated receptacles: • UL Class A Fire Label or SMNA “F1-D Four Hours

Exposure” Label • UL Class B Fire Label or SMNA “F1-D Two Hours

Exposure” Label • UL Class C Fire Label or SMNA “F1-D One Hour

Exposure” Label • UL or SMNA Label of at least One-Half Hour

Exposure 3. Is the insured aware of the types of papers and records

that are being covered and are they listed or accounted for in some way?

4. For full recovery on unique documents or records, a list must be kept with a value for each item.

5. When possible, duplicates of papers and records should be kept and stored at a separate location.

6. Specifically schedule any item that cannot be replaced with property of like kind and quality, such as unique documents that cannot be easily recreated.





• Rates $.60 per $100 of the limit of insurance. Property Away from Your Premises Use the Valuable Papers rate per $100 of the limit in excess of $5,000.


Coverage Part Valuable Papers and Records Coverage Form Supplemental Declarations

CM 00 67 .................... Valuable Papers and Records Coverage Form



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