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Homeowner Associations » Commercial Property

Causes of Loss Form Comparison

The following chart summarizes the perils, additional coverages and coverage extensions provided by the Basic, Broad and Special Causes of Loss Forms on a Commercial Property Policy.

Coverage for Earthquake, Flood, Terrorism, War, Mold and Intentional Loss are usually excluded on all Commercial Property Policies.

Peril Basic Broad Special
      Open Peril*

Fire

Lighting

Explosion

Windstorm or Hail

Smoke

Aircraft or Vehicles

Riot or Civil Commotion

Vandalism

Sprinkler Collapse

Sinkhole Collapse

Volcanic Action

Falling Objects

 

Weight of Snow, Ice, Sleet

 

Water Damage

 

Collapse**

 

Property in Transit***

   

Water, Liquids, Powder, Molten Material***

   

Glass***

   


* Risks of Loss Not Otherwise Excluded Are Covered

** Additional Coverages

*** Coverage Extension



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