BIBLIOLABS, LLC - Laserfiche WebLink

Home Browse Search

THE HARTFORD SPECIAL PROPERTY COVERAGE FORM Various provisions in this Policy restrict coverage. Read the entire Policy carefully to determine rights, duties, and what is and is not covered. Throughout this Coverage Part the words "you" and "your" refer to the Named Insured shown in the Declarations. The words "we," "us" and 'bur" refer to the Company providing this insurance. "Policy period", as used in this Coverage Part, means the period from the effective date of this Coverage Part to the expiration date of the Coverage Part as stated in the Declarations or the date of cancellation, whichever is earlier. Other words and phrases that appear in quotation marks have special meaning. Refer to Section G., PROPERTY DEFINITIONS. A. COVERAGE We will pay for direct physical loss of or direct physical damage to Covered Property at the premises described in the Declarations (also called "scheduled premises" in this Coverage Part) caused by or resulting from a Covered Cause of Loss. 1. Covered Property Covered Property as used in this Coverage Part, means the following types of property for which a Limit of Insurance is shown in the Declarations: a. Buildings, meaning the building(s) and structure(s) described in the Declarations, including: (1) Completed additions; (2) Fixtures, including outdoor fixtures; (3) Permanently installed: (a) Machinery; and (b) Equipment; (4) Your personal property in apartments, rooms or common areas furnished by you as landlord; (5) Building Glass, meaning glass that is part of a building or structure; (6) Personal property owned by you that is used to maintain or service the buildings or structures on the premises, including: (a) Fire extinguishing equipment; (b) Outdoor furniture; (c) Floor coverings; and (d) Appliances used for refrigerating, ventilating, cooking, dishwashing or laundering; (7) If not covered by other insurance: (a) Additions under construction, alterations and repairs to the buildings or structures; (b) Materials, equipment, supplies and temporary structures, on or within 1,000 feet of the "scheduled premises", used for making additions, alterations or repairs to the buildings or structures. b. Business Personal Property located in or on the building(s) or structure(s) described in the Declarations at the "scheduled premises" or in the open (or in a vehicle) within 1,000 feet of the building(s) or structure(s) or within 1,000 feet of the "scheduled premises", whichever distance is greater, including: (1) Property you own that is used in your business; (2) Tools and equipment owned by your "employees", which are used in your business "operations"; (3) Property of others that is in your care, custody or control; (4) "Tenant improvements and betterments"; (5) Leased personal property for which you have contractual responsibility to insure unless otherwise provided for under this Coverage Part; and Qeo.NCF IZisleManagzmentDiviaian Form SP 00 00 10 18 REVIEWED & APPROVED BY: © 2018, The Hartford i (May include copyrighted material of Insurance Services Office, Inc., with itsr Wsk Pjanagement Analpt