Outdoor Property:

� Fences and signs (other than those attached to buildings), includingexpense associated with debris removal

� Radio and television antennas as well as satellite dishes, including expenseassociated with debris removal

� Outdoor furniture, decorative structures (i.e., gazebos, foot bridges, etc.),and stone or metal monuments or sculptures (at least 11 gauge or thicker)permanently anchored to the ground

$10,000 per occurrence subject to a $30,000 annual aggregate.

� Trees, shrubs, plants, and lawn, including expense for debris removal

$25,000 per occurrence (not more than $2,000 per tree, shrub, orplant OR $5,000 for lawn) subject to an $80,000 annual aggregate.

Note: Some of the above coverages have unique policy provisions. Pleaseconsult the coverage form for details.

Personal Effects (Business Personal Property):

Limits under the terms described in the policy are increased from$5,000 to $25,000.

LIMITS

LIMITS

LIMITS

Focus on . . .

Retail Stores

Special Retail Stores EndorsementOur optional can be elected to bundle the followingRetail Stores Endorsement

Additional Coverages at a single reasonable rate:

Reward Payments – up to $5,000 to eligible parties (Not applicable in NY)Brands and Labels – for damaged property up to the Business Personal Property limitOrdinance or Law-Equipment Coverage – for replacement cost up to the policy limitsLock Replacement – up to $1,000 per occurrence (with a deductible of $100)Web Sites – up to $50,000 coverage per occurrence for “suspended operations”

up to an aggregate limit of $100,000Credit Card Slips – up to $10,000 during the policy period due to loss/damageMerchandise Sold But Not Yet Delivered – up to $25,000 for damaged goodsProperty in Transit – up to $25,000 or a higher limit shown on the Declarations

– extends coverage to include customers’ propertyEmployee Dishonesty– for property losses exceeding $250 up $10,000Delivery Errors and Omissions

Merchandise Withdrawal – for eligible losses exceeding $250 up to $25,000

These “extras” are subject to the terms and conditions of the policy.

For businesses that sell directly to end consumers and have facilities that support thesales process, we offer attractive alternatives for enhancing your Berkshire HathawayGUARD Businessowner’s Policy coverage (outlined in our Businessowner’sProducer Guide).

Berkshire Hathaway GUARD Deluxe EndorsementPlusThis endorsement can also provide a valuable extra tier of EXTENDED COVERAGE for

a number of common exposures.Standard Underwriting

Guidelines for retail stores

apply. We typically

provide Businessowner’s

Policy coverage for total

insured property values up

to $20 million, though

higher limits up to $50

million are available.

This information is intended to present a general overview for illustrative purposes. Only the relevant insurance policy can provide the actual terms,coverages, amounts, conditions, and exclusions for an insured. Copyright 2018. WestGUARD Insurance Company. March 2018 edition.

3/2018

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A.M. Best Company

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