Exceptions are made an a case by case basis. Named Perils available. Usual exclusions include fires caused by earthquake, flood, volcanic eruption and atmospheric disturbances. Extended Coverage perils available for an additional premium charge. There are no inspection requirements.
Coverage is written on an occurrence basis.
Minimum limits prevail by law. Coverage applies to the Insured and any licensed individual driving with the Insured's permission. Passengers are not considered to be Third Parties. Extra-Territorial benefits are not included. Medical Expenses and Occupational Disease coverage is provided.