ENDORSEMENT JEOPARDY

Business PropertyOption BP

100

The base limit of BP included on every fire residence policy

What is $1500?

200

Available amounts of coverage that BP can be increased to

What is $2,500 & $5,000

300

Option BP covers (Specifically not just Business Property)

Business Property

Merchandise held as samples

Merchandise held for sale

Merchandise help for delivery after the sale

400

Option BP does not cover

Electronic data processing equipment

Recording or storage media used with electronic data processing equipment

500

Coverage for off-premises BP 

$750

Business PropertyOption BU

100

Coverage offered under Option BU

Bodily Injury and Property Damage Liability

200

Eligible Occupations to be covered under BU (Name 4)

Clerical Office employees

Salespersons

Collectors

Messengers

Teachers

Coaches (Elementary, Middle, and High only)

School Principals

School Administrators

300

Ineligible Occupations for Option BU

EVERYTHING THAT ISNT SPECIFICALLY LISTED AS ELIGIBLE

400

Specific things Option BU does not provide coverage for

An insured who is a business owner

A business the insured financially controls

A partnership in which the insured is a member

500

Name of the form required to complete a PT request to add BU to existing business

Optional Business Coverage Request Form

Child Care

100

Requirements to be eligible for Child Care Liability Endorsement (2)

No more than 6 children cared for at any one time

The applicant must be licensed according to state law

200

Types of children that count towards number of children cared for (Natural, Adopted, Foster, Etc)

Any child that is not a member of the household

300

Coverage provided by Child Care Liability Endorsement

Bodily Injury

Property Damage

Medical Expense

400

Specific exclusions to coverage whether actual, alleged, or threatened (name 3)

Sexual Molestation

Sexual Harassment

Sexual Misconduct

Physical Abuse

Mental Abuse

Corporal Punishment

500

Factors affecting maximum limit for liability and medical payments

Nothing other than actual limit on dec page

Coverage BIncreased Limits

100

Coverage A replacement value percentage required to receive Coverage B

80%

200

Percentage of Coverage A that is included in Coverage B by default

75%

300

Where outside of the home Coverage B can be used

anywhere in the world

400

Coverage B can be increased in increments of

$1000

500

How many times greater can Coverage B be than Coverage A without underwriters looking at it

1.5X

Cyberevent, ID restoration, Fraud Loss

100

Eligibility Guidelines For this endorsement (Name 1)

NONE

200

Annual aggregate limit of coverage per insured for ID Fraud restoration and Fraud Loss

50k

300

Annual aggregate limit of coverage for Data Breach, Cyber Attack, and Cyber Extortion

15k jointly

400

Required deductible for Data Breach, Cyber attack, and Cyber Extortion

$500

500

Coverage Inclusions (Name 4)

• Data recovery costs incurred as a direct result of a cyber attack
• System restoration costs incurred as a direct result of a cyber attack
• Cyber extortion coverage, which includes professional assistance and cyber extortion response costs
• Case management services as needed for up to 12 months
• Reimbursement for identity fraud expenses
• Contingent credit monitoring service for 12 months after an increased risk event
• Fraud loss coverage for direct financial loss when there has been a fraud event
• Data breach coverage for accidental release or publication of personally identifying or sensitive information
• Cyber-attack coverage for unauthorized access, use, or a malware attack involving a computing or connected home device