This endorsement provides for a waiver of subrogation for Liability Coverage for the person(s) or organization named in the endorsement.

This form waives the transfer of recovery rights form the insured to the insurance company For liability losses paid if agreed to prior to the time of loss. This optional form must be requested by the insured.

Pays direct physical loss or damage to valuable papers and records caused by, or resulting from a covered cause of loss. Includes cost to research lost information on valuable papers and records for which duplicates do not exist. Coverage is limited to $2,500 on valuable papers and records not at the described premises.

              

This optional endorsement provides coverage for loss or damage to Business Personal Property that occurs form loss of water, communication or electric utility service due to physical damage to the utility from a covered cause of loss including transmission lines. The coverage is subject to the basic or Optional property deductible, reflected on the [..]

Pays for loss of Business Income or Extra Expense caused by the interruption of power (property supplying electricity steam or gas) or communication (property supplying communication services including telephones, radio, microwave or television) services to the described premises. The interruption must result from direct physical loss or damage to [..]

A coverage basically affording high limit coverage in excess of the limits of the primary policies as well as additional liability coverages. The term "umbrella" is derived from the fact that it is a separate policy over and above any other basic liability policies the insured may have.

?  Pays for bodily injuries, but not property damage, the insured, qualified family member, and any other person occupying the covered auto sustains, cause by an uninsured motorist, underinsured motorist or a hit-and-run driver. ?  Also applies to household members as pedestrians. ?  Includes payment for medical costs, lost wages and pain and suffe [..]

Pays on behalf of the insured up to an annual aggregate limit of $100,000 and a per occurrence limit of $100,000 for the liability the insured may incur because of the failure to comply with the Consumer Credit Protection Act. A $1,000 deductible applies per occurrence.

Adds coverage for outdoor trees, shrubs and plants at the insured premises.