Property that is mobile in nature has been traditionally handled on these types of policies. A wide variety of forms and coverages has been developed to handle the needs of this property.

Accounts Receivable (CM0066)
This coverage is used to reimburse you for customer accounts that are rendered uncollectible because of loss by a covered peril. Back to top

Accounts Receivable - Reporting Form
Since the value of your accounts receivable fluctuate from month to month, the most economical method of providing this coverage is on a Reporting Form. A deposit premium is collected based on the average of your month end accounts receivable balances during the last 12
months. You will report the balance at the end of each month during this year's policy period. These reported values will then be averaged at the end of the policy year and a premium adjustment will be made at that time. Back to top

Animal Fertility Coverage
This coverage is used to protect against loss of the value of an animal caused by its infertility. Back to top

Animal Liability Coverage
This coverage will protect against loss to animals you own or that are in your care, custody or control for the purposes of boarding, feeding, grooming or breeding. Back to top

Animal Mortality Insurance
Written for a specific value per animal, this policy will indemnify you for loss of the animal by death due to natural causes including illness, disease or accident. Back to top

Animal Surgery Coverage
This coverage will reimburse usual and customary fees up to the limits of the policy for necessary, emergency surgery needed to save the lives of insured livestock. The policy also includes limited after-care costs for such animals. Back to top

Appliance Dealers Floater
This policy is designed to cover your stock when it is on your premises, in transit, or while being rented, leased, or sold under a deferred payment plan. It includes coverage for items located at an exhibition or show. Back to top

Aquaculture Coverage
This coverage is used to protect against loss due to the death of aquatic creatures including protection from loss by disease, pollution, aeration, temperature change, storm damage, deoxygenation, escape or other causes of mortality inherent to such animals. Back to top

Bailees Customers Goods Floater
This policy is used to insure against loss to property of others that is in your possession, regardless of your legal liability. It is needed since standard Property and General Liability policies limit or exclude exposures of this kind. Back to top

Bees & Beekeepers Equipment Coverage
This policy is used to provide all-risks protection for your bees, beehives, and miscellaneous mobile equipment used in your operations. It is needed since several exposures exist that your standard Property form does not cover. These include destruction of bees, protection for beehives while being transported, or loss of hives and related equipment while located away from the described premises. Back to top

Bicycle Floater
This policy is designed to cover your inventory while on premises, or in transit, and customers' goods in your care, custody or control. It is necessary because of the limitations in your standard policy for coverage of property off premises, or property of others in your care, custody or control. Back to top

Boat Dealers Physical Damage
This coverage is used to insure your stock held for sale including boats, sailboats, motorboats, canoes, rowboats or other watercraft. Additional coverage is provided for accessory items, supplies or consigned property, or property sold and not yet delivered. This insurance covers such property while it is situated at insured locations, off-premises, or while in transit within the policy's defined coverage territory. Back to top

Broadcasters Property Floater
This policy is used to cover your off premises business property including antennas, towers or other receiving or sending equipment. Additionally, it picks up items normally covered by other insurance, including studio equipment (cameras and associated equipment), scenery, costumes or other theatrical properties, mobile technical equipment used on location and film or recording libraries including materials of others. Back to top

Builders Risks Coverage
This insurance is used to provide coverage for your interest as well as the interests of others in specified structures while under construction. Back to top

Cable TV Broadcasters Floater
This policy is designed to insure specified cable equipment from the head end or receiving center of your cable system, out to the servicing lines at the individual homes. Coverage is on an all-risks basis including replacement cost valuation for equipment. Back to top

Camera Floater (CM0020)
This policy is used to cover your commercial photographic equipment, including cameras, projectors, film, screens and related equipment. Coverage is on an all-risks basis and has no territorial limitations. Back to top

Camera/Musical Instrument Dealers Policy (CM0021)
This policy is designed to insure your stock consisting principally of cameras or musical instruments and related equipment as well as similar property of others in your care, custody or control. Such property is covered while located on or off your premises within the policy's covered territory. Back to top

Carnival Equipment Coverage
This policy is used to cover various types of equipment and materials used in your operations. It can be written on a specific item basis for the more expensive pieces of equipment and on a blanket basis for smaller items, showing both an aggregate limit and a maximum amount payable per item per loss. Back to top

Checkroom/Storage Liability
This coverage insures you for your legal liability for garments or other specified property lost or damaged while in your care. Back to top

Cold Storage Locker Floater
This policy is used to insure against loss of food of others while contained in your cold storage lockers. Coverage includes spoilage of stored food caused by destruction of refrigeration equipment. Back to top

Conversion Coverage
This endorsement is used to eliminate the exclusion in the policy for loss resulting from the voluntary parting of your property, if induced by fraudulent scheme, trick or device. Back to top

Corpse Floater
This policy is designed to cover expenses incurred to restore corpses, caskets, urns, or other property damaged or destroyed while in your care, custody or control. It is written to insure those claims not covered under your Professional Liability because of lack of negligence on your part. Examples of such claims can include vandalism, off premises power loss and not-at-fault auto accidents. This coverage is valuable in maintaining public relations. Back to top

Customers Goods Legal Liability
This coverage is used to protect against loss or damage to customers' property which occurs because of your negligence. This is a legal liability form and is not intended to cover losses in which you are not negligent. Back to top

Customers Property in Storage
This coverage is offered to individuals who may be temporarily storing their contents at your warehouse and do not have an alternative method of covering their property. It is written on a master policy with certificates issued showing length of coverage period, amount of coverage, and other pertinent information. Back to top

Dealers Policy
This policy is used to insure your property while on-premise, in transit or temporarily off-premise and for property of others while in your care. It is broader than standard Property insurance which can restrict or exclude coverage for many of these exposures. Back to top

Deferred Payment Inventory Policy
This policy is used to cover merchandise you have financed through a credit subsidiary with your dealers or buyers. The form can cover your interest, the interest of the dealer or buyer, or both. Back to top

Dies, Patterns and Molds Floater
This policy is used to cover your dies, molds and patterns or similar property while on your premises, in transit or on the premises of others. It covers when you, as a manufacturer or processor, send out dies, molds or patterns to subcontractors in connection with your work. Back to top

Drilling Rig Floater
This policy is specifically designed for drilling contractors to provide coverage on equipment, materials and supplies usual to the job site. Several additional endorsements can be added to this form to "customize" the coverage to fit your needs. Back to top

Dry Cleaners Bailees Form
This policy is designed to cover your customers' property while on your premises, in transit or at the premise of your agents or branch stores, for cleaning or repair. Back to top

Dumpster Coverage
This policy is used to cover dumpsters or other trash containers that you own, whether located on or off your premises. This is necessary due to the off premises limitation of the standard Property policy. Back to top

Earthquake Coverage
This coverage is used to extend your policy to provide protection against loss due to earth movement including earthquake shocks and volcanic eruption. Back to top

Employees Tools Coverage
This endorsement is used to extend coverage to protect the tools of your employees while used in their jobs. It is needed since their personal policies exclude coverage for tools used in business. Back to top

Equipment Dealers Floater (CM0022)
This policy is designed to insure your stock consisting principally of mobile agricultural and construction equipment as well as similar property of others in your care, custody or control. Such property is covered while located anywhere on or off your premises within the policy's covered territory. Back to top

Exhibition Floater
This policy is used to provide coverage for equipment, stock or other property, while it is publicly exhibited or displayed. Standard Property policies exclude coverage for these exposures. Back to top

Extended Conversion Coverage
Standard false pretense coverage limits protection to property to which a dealer has legal title. This endorsement can be used to extend this wording so that false pretense coverage will apply to all property where a dealer may be responsible, yet have no legal title, such as consigned property. Back to top

Farmowners Valuable Papers and Records
This coverage is used to pay for the cost of reproduction of valuable papers, manuscripts, records, or other similar items that are destroyed or rendered unusable because of a covered peril. Back to top

Film Floater (CM0045, CM4501)
This policy is used to provide coverage for your video tapes, prints or negatives, exposed motion picture film, and similar property of others, both on and off premises. Standard Property forms limit or exclude coverage for loss to film or other media. Back to top

Fine Arts Dealers FLoater
This specialized Fine Arts floater is designed for museums, art galleries or art institutions ordinarily open to the public. It is essentially a valued policy that is based on either the price you paid for the objects or their estimated selling prices. The policy is written as a reporting form and requires a specific price for each item, determined by an independent certified appraiser. You may wish to include items on consignment or while temporarily off premises such as for restoration, processing, exhibition, etc. Back to top

Fine Arts/Antiques Floater
This policy provides coverage for private collections of paintings, sculptures or other works of art that need to be insured on an "agreed value" basis. Back to top

Fire Department Equipment Floater
This coverage is used to insure the portable equipment used by a fire department. It includes several features not normally found in standard policies including full replacement cost coverage (either on a blanket or scheduled basis), automatic coverage on newly acquired equipment, and specified coverage for personal effects of members or employees while engaging in their fire fighting duties. Back to top

Flood Coverage
The coverage is used to provide protection against loss due to damage by flood as specified in the form. Back to top

Floor Plan Merchandise (CM0052)
This coverage is used to insure merchandise you hold for sale that has been financed by you. It protects your interest in the property as well as the secured lender's interest named in the declarations. Coverage commences when you receive merchandise for resale and remains in force until the sales transaction is completed. Back to top

Fraudulent Delivery
This endorsement is used to extend your Cargo policy to include coverage for loss resulting from your voluntary parting of property by trick, scheme or device. Back to top

Furriers Block Policy
This policy is used to cover loss of fur garments belonging to you while on-premises, in transit, in possession of a common carrier or while being sent by mail, or parcel post delivery services. Coverage is also extended to the premises of sales agents, dealers, processors, or other custodians, or while the property is in the custody of sales representatives, on display, or in unspecified situations. The policy includes coverage for the garments of other dealers for which you are liable, but does not apply to property of others held by you for storage (this is specifically excluded and is meant to be covered under a separate form). Back to top

Furriers Customers Policy
This policy is used to cover your customers' furs or garments trimmed in fur, while left in your custody. It insures such items for the value declared on the receipts that were given to your customers. This form is written on an all-risks basis subject to standard exclusions. Back to top

Furriers Excess Legal Liability
This policy is written as an endorsement to your basic Furriers policy and pays the difference between the amount declared on a customer's receipt and the actual cash value of the fur. This form is necessary since many times people declare furs for storage at amounts far below their true value. Back to top

Garment Contractors Floater
This policy is designed to protect against loss or damage to specified types of garments owned by you or for which you are responsible, while on the premises of a contractor or in transit to or from such locations. Coverage is also included for materials, supplies and containers incidental to such property. Back to top

Implement Dealers Floater
This policy is used to cover property away from your premises while it is demonstrated to prospective purchasers, or while on their premises for a trial period. It is needed since standard Property forms limit coverage for your equipment while located off premises. Back to top

Installation Floater (CP1115)
This policy is used to cover materials and supplies during transit to, or installation at, a covered job site. Coverage ends when the contractor's or purchaser's interest ceases, whichever occurs first. Back to top

Installment Sales Floater
This policy is used to provide insurance for merchandise you have sold, rented or leased under an installment sales or rental contract. Many Property and Inland Marine forms exclude coverage for property under these arrangements, creating a need for this coverage. The form can be written to cover your interest, along with the interests of the purchaser and any company providing financing. Back to top

Irrigation Equipment Breakdown Coverage
This coverage is used to insure against loss to specified irrigation equipment that results from mechanical or electrical disturbance. Back to top

Jewelers Block Policy (CM0059)
This coverage is used to insure your stock in trade consisting of jewelry, precious and semi-precious stones, precious metals and alloys, and other stock used in your business. Coverage also applies to similar property of others in your care, custody and control or property sold but not yet delivered. Please note that property owned by others in the jewelry business is covered only to the extent of money you have advanced or your legal liability for such property. Back to top

Landscapers Equipment Floater
This policy is used to cover equipment, materials including trees, plants and shrubs owned or leased by you while on premises, at any job site or in transit for the limits specified in the policy. Back to top

Livestock Floater (FP0040)
This policy will cover livestock including cattle, sheep, hogs or horses against death or damage due to a covered specified peril. Back to top

Lost Key Coverage
This coverage is used to pay for the costs to replace or rekey locks, up to the amount specified in this endorsement, that is caused by the loss of a key or keys by you or your employees. Back to top

Mail Insurance (CM0060)
This coverage is used to protect against damage or destruction to property while being sent through the mail. One or more mail categories can be used for shipping including registered mail, USPS or other express mail services, certified mail and first class mail. Back to top

Marine Legal Liability
This coverage is used to insure the various bailment exposures for which you might be responsible. These include repairs, alterations, maintenance, restoration, storage, mooring of ships, launching or hauling, fueling and any miscellaneous servicing done in conjunction with these operations. Back to top

Marine Mobile Equipment Coverage
This policy is used to provide coverage for specified cranes, hoists, lifts, or other specified mobile equipment used in your operations. Back to top

Marine Transportation Coverage (Excess)
This insurance is used to provide physical damage coverage for watercraft while transported beyond the mileage limitation of your Marina Operators or Dealers Physical Damage policies. Back to top

Micro-Organism Coverage
This coverage provides protection for loss by a covered peril of micro-organisms used in a plant's treatment process. Back to top

Miscellaneous Property Floater
This policy is used to insure a variety of items not covered more specifically by other insurance. The covered property is protected from loss while located anywhere within the covered territory. Back to top

Mobile Agricultural Equipment Floater (FP0030)
This policy is used to cover mobile agricultural equipment and machinery used in your operations, both on and off premises. It is needed since your standard Property policy limits coverage for items while located away from the described location. Back to top

Mobile Radio Equipment Coverage
This policy is used to provide all-risks coverage for those scheduled items listed on the policy. It is needed since non-permanently attached radio or other transmitting or receiving equipment is not automatically covered by your Auto policy. Back to top

Morticians Floater
This policy is used to cover apparatus, instruments, chairs, tents, awnings, lifts and other equipment used away from your premises. This is necessary due to the limitation of coverage in your standard Property policy for property away from your covered premises. Back to top

Motor Truck Cargo Coverage
This policy is used to insure specified property against direct loss while in-transit on a covered vehicle. The policy insures such property for the stated perils and within the territorial limits as described in the form. Back to top

Movers Equipment Coverage
This coverage is used to protect against loss to covered ropes, pads, dollies, packing materials, forklifts and other scheduled equipment while on or off premises that are used to move or store property. Back to top

Moving and Storage Cargo Coverage
This coverage is used to protect the goods of others while they are shipped until final destination including any temporary warehousing. Back to top

Musical Instrument (CM0020)
This policy is used to insure specified musical instruments while located on or off premises. It can be extended to include coverage for auxiliary equipment including instrument cases, lighting or amplifying equipment, used in connection with covered musical instruments. Back to top

Named Perils Coverage
This coverage is used to protect your covered property against direct loss arising from one of the perils listed in your policy. To recover, you must prove that the loss was caused by one of these listed perils. Back to top

Negative Film Floater (CM0045)
This policy is used to insure raw or exposed films or tapes whether mute or sound. Protection is provided for your property as well as the property of others for which you are responsible. The form pays for expenses incurred for reshooting, refilming or retaping a production which has been damaged by a covered loss (but does not pay for the costs of the original production). Back to top

Nursery Floater
This policy is used to provide coverage for outdoor nursery stock, scheduled mobile irrigation equipment and miscellaneous tools that are owned or borrowed by you while located on or off your covered premises. Back to top

Ocean Marine Cargo
This policy is used to provide coverage for property you ship overseas while within the described territory and for the limits and perils declared on the form. Back to top

Physicians and Surgeons Floater (CM0026)
This policy is used to cover scheduled medical equipment, materials, supplies and books used in your profession. Coverage provides protection both on and off your premises and is written on a replacement cost valuation basis. Back to top

Poultry Coverage
This policy is used to insure against loss of poultry livestock raised as boilers, breeders or egg layers. The form is written to cover a wide variety of perils, including loss due to temperature or humidity change or contamination. Coverage is provided while on your premises or in transit. Back to top

Precious Commodities Coverage
This endorsement is used to extend your Cargo policy to include coverage for loss of jewelry, art, gemstones, money, precious metals, manuscripts or other listed items of a valuable nature. This extension is necessary since standard policies either exclude or limit coverage for property of this kind. Back to top

Processing Floater
This policy is designed to cover the interest of an owner or liability of a processor for loss to specified property while it is off premises for processing or fabrication. Back to top

Product Spoilage Coverage
This endorsement is used to extend your Cargo policy to include coverage for loss to perishable products due to refrigeration breakdown. This is needed since most standard Cargo forms exclude protection for this kind of loss. Back to top

Radium Floater
This policy is used to cover radium used in the medical profession for the treatment of disease or experiments. It is needed since your Property policy excludes coverage for items of this kind. Back to top

Rental/Leased Property Floater
This policy is used to insure property leased or rented to others while located on or off your premises. Coverage can be extended for items held for sale or on consignment, but excludes vehicle rentals. Back to top

Rigger's Liability
This coverage is used to provide legal liability protection against loss of personal property of others while it is in your care, custody or control during hoisting or lifting operations. Back to top

Salesmens Samples Floater
This policy is used to insure against loss of samples or catalogs while in the custody of your sales representatives or principals when they are acting in the scope of their job description. Back to top

Scientific Instrument Floater
This policy is used to cover scientific instruments and related materials while they are being transported, or at temporary locations away from your premises. Back to top

Ship Repairers Legal Liability
This policy is used to protect against claims resulting from damage to watercraft while they are in your care, custody or control, and for which you are held legally responsible. Back to top

Sign Floater (CM0028)
This insurance is used to provide coverage for scheduled neon, fluorescent, automatic or mechanical electrical signs or lamps listed in the policy. Back to top

Special Perils Coverage
This coverage will protect covered property against direct loss arising from any cause not specifically excluded. The advantage of form is that your insurance company must prove that a loss is specifically excluded in order to deny coverage under the policy. Back to top

Stained Glass Coverage
This policy is used to insure specified stained glass items listed on the form. Coverage is written on an all-risks basis, including glass breakage, and is valued for the amount listed for each item. Back to top

Telecommunication Equipment Floater
This policy is used to cover loss to satellite disks, antennas or other similar communication equipment, whether or not it is attached to described buildings. Back to top

Territorial Limits Reviewed
This provision specifies the coverage territory in which protection under your policy will apply. Please note that no coverage under a policy will apply unless a covered loss occurs within this defined territory. Back to top

Theatrical Equipment Floater (CM0029)
This coverage is used to insure scenery, costumes or theatrical property as listed on the policy. Jewelry or items made of precious metals are not covered and must be insured in other ways. Back to top

Tools and Equipment Floater
This policy is designed to cover your mobile equipment while it is stored on premises, in transit or at temporary locations or jobsites. Larger equipment items are specifically scheduled with separate amounts of insurance applying to each covered piece. Miscellaneous smaller items are grouped under a single blanket limit subject to a maximum value for any one item per loss. Back to top

Transportation Floater
This policy is used to cover your property while in transit to you or while enroute to your customer by common carrier. The form provides coverage when a carrier's limit of liability is exhausted, or when the carrier is not responsible because loss is caused by a peril, or for limits not covered under a released bill of lading. Back to top

Trip Transit Coverage
This policy is used to provide coverage for goods you ship on a one-time basis. Back to top

Valuable Papers (CM0067)
This policy is used to cover valuable papers and records including books, maps, films, drawings, abstracts, deeds and manuscripts, either on a blanket or scheduled basis. Coverage includes the actual cost of materials and any additional expenses necessary to reproduce these records. Back to top

Vending Machine Coverage
This coverage is used to protect your vending machines while they are located away from the premises. The form is written for a single blanket amount with a limit per item, covering cigarette, candy, soft drinks or similar coin operated machines. Back to top

Warehousemen's Legal Liability
This policy is designed to cover liability imposed on you by law for loss or damage to property while it is contained in your warehouse. You may wish to advise lessees that this covers your legal liability only, and that additional first party coverage should be purchased by them to ensure adequate protection. Back to top

Watercraft Owned/NonOwned
This coverage is used to provide liability and/or hull coverage for watercraft owned by you, used by you, or both. This insurance is similar to your Auto policy in that you can select the necessary coverage you need for your particular marine exposures. Back to top

Wharfingers Liability
This policy is used to insure against claims arising out of damage to hulls and cargo of others while in your care, custody or control. An example of a covered claim is damage caused by a barge that slips in your wharf mooring because of you or your employees' negligence. Back to top

Winter Range Livestock Floater
This policy is used to provide named perils coverage for your beef or sheep livestock while on winter range. This is needed because your standard Livestock policy excludes coverage for this exposure. Back to top