OTHER AVAILABLE COVERAGES These coverages are currently not included or not provided, but we recommend you Consider. COVERAGE DESCRIPTION PROPERTY Replacement and/or repair for Business property lost or destroyed by fire, lightning, windstorm, vandalism, theft, or other natural acts. FLOOD/EARTHQUAKE Provides property coverage for losses caused by flood (including mudslide) and earthquake, tremors, or other earth movement (does not include sinkhole). BUSINESS INCOME & Covers loss of net income plus continuing expenses including necessary payroll EXTRA EXPENSE caused by or during a covered loss. Extra Expense covers additional expenses or costs to reduce the Business Income loss. A Business Income worksheet should be completed to determine adequate limits. INLAND MARINE / Includes coverage for portable and/or technical equipment along with certain EQUIPMENT FLOATER office inventory; can include leased/rented equipment. EQUIPMENT BREAKDOWN Provides physical damage coverage caused by sudden/accidental explosions, aka BOILER/MACHINERY arcing and other “breakdowns” of boiler, machinery, and electrical equipment. DRIVE OTHER CAR Provides Personal Auto Liability to named individuals who do not have a personal auto policy of their own (typically for owners, officers, and directors). DIRECTORS/OFFICERS Provides defense and settlement to protect officers and directors of an LIABILITY organization against damages from claims resulting from alleged negligent or wrongful acts. TRUSTEE/FIDUCIARY Liability protection for those who administer pension and welfare funds, profit- LIABLITY sharing, or other benefit programs against loss by errors or omissions. WORKERS COMPENSATION/ Provides the coverage mandated by the state or federal coverage for EMPLOYERS LIABILITY employers (based on number of employees) to provide for employees injured on the job. EMPLOYERS LIABILITY Provides Employer Liability coverage in those state-controlled work comp STOP-GAP COVERAGE programs that do not include employers’ liability coverage (OH, WY, ND, and WA). MONOPOLISTIC WORKERS If you have employees in these states, the employer is required to purchase COMPENSATION: Workers Compensation directly with the state and therefore coverage is not ND, WY, WA, OH provided under your workers compensation policy with us. UMBRELLA / EXCESS Provides additional liability coverage above those limits afforded by underlying LIABILITY coverage. Typically sits excess over general liability, auto liability, and employer’s liability coverage. Higher Limits are Available. POLLUTION COVERAGE Provides coverage for costs related to pollutants – sudden and accidental release of hazardous materials. Typical coverage includes cleanup and restoration as well as your liability for injury and death resulting from a Pollution occurrence. The policy can be issued to cover your premises, other’s premises, ‘over the road’, or for a specific job. PRODUCT RECALL Provides coverage for expenses associated with recalling a product from the market. Product recall insurance is typically purchased by manufacturers to cover costs such as customer notification, shipping costs, and disposal costs. 10/22/24 Page 22 of 25