Multi-Peril Coverages - Series A

Property Coverages

Our multi-peril policy protects your owned buildings and personal property against either Basic, Broad, or Special causes of loss. You select the coverage based on your budget and exposures.

Basic Covered Causes of Loss

Includes fire, lightning, explosion, windstorm, hail, smoke, aircraft, vehicles, riot, civil commotion, vandalism (except broken glass), sprinkler leakage, sinkhole collapse, volcanic action, damage by burglars, and sonic boom.

Broad Covered Causes of Loss

Includes all Basic causes of loss plus: glass broken by vandals; falling objects; weight of snow, ice, or sleet; water damage (not flood); and collapse due to specified causes. Glass breakage may be covered in full (less your deductible) or for $250 per pane, $1,000 per building.

Special Covered Causes of Loss

Includes all Basic and Broad causes of loss, plus any other cause that is not specifically excluded or limited. Examples of Special causes of loss include: accidental breakage (except for glassware, marble, china, and porcelain), spills, stains, scratching, or marring; roof damage due to freezing and resulting water damage; and backed-up water (not flood) from sewers and drains.

Some causes not covered include: earth movement (except sinkhole collapse), nuclear hazards, government action, power failure, war, flood, mudslides and seepage, industrial smoke, and normal wear and tear.

Systems and Equipment Breakdown Coverage

Church Mutual multi-peril policies automatically provide Systems and Equipment Breakdown Coverage. This means that mechanical breakdown, artificially generated electrical currents, steam boiler explosion, and internal damage to steam boilers are considered as additional covered causes of loss.

Among the items included in the Systems and Equipment Breakdown Coverage are your:

• Computers, telephone systems, fax machines, and copiers
• Sound, lighting, and video equipment
• Air conditioning motors, compressors, systems, and piping
• Electrical cable, wiring, panel boards, switch gear, and transformers
• Engines, motors, compressors, turbines, pumps, fans, blowers, and generators
• Steam boilers, steam piping, steam turbines, steam engines, and gas turbines
• Alarm systems, elevators, and much more

Extensions of Coverage for Assisted Living Facilities and Apartments

Each Church Mutual policy automatically provides several coverage extensions and additions. A specific limit is provided for each of the following:

• Newly constructed buildings for up to 180 days
• Newly acquired buildings and their contents for up to 180 days
• Personal property of officers, employees, visitors, volunteers, and residents on an excess basis and at actual cash value. Limitations: $250 for theft of resident's jewelry and $300 for resident's money
• Business personal property of administrator or facility manager--applies if other insurance is not available
• Valuable papers and records, including computer records
• Property temporarily off-premises, anywhere in the world, for up to 180 days
• Outdoor trees, plants, shrubs, and lawns damaged by fire, lightning, explosion, riot, civil commotion, aircraft, theft, vandalism, and vehicles
• Off-premises outdoor signs
• On-premises outdoor structures, including maintenance buildings and their contents, fences, pavilions, light poles, antennas, and satellite dishes
• Re-establish accounts receivables lost due to covered cause of loss
• Theft, destruction, or disappearance of your facility's money and securities
• Debris removal--subject to policy limits
• Your policy limit for covered property moved off-premises due to covered loss
• Fire department service charges
• Extra operational expenses after an insured loss
• Actual loss of business income if your operation is interrupted by covered loss. Includes net profit, continuing expenses, and rental income
• Expenses from emergency evacuation of residents
• Food spoilage caused by an off-premises power failure
• Arson reward
• Pollution cleanup due to a covered cause of loss
• Building ordinance coverage for demolition costs, increased cost of construction, and loss of undamaged portion of building