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What’s Covered

• Liability

• Pools, Tennis Courts, Ponds, Docks

• Buildings

• Directors and Officers

Bankers Homeowners Association Program Your homeowners association needs a comprehensive insurance policy to protect itself from a range of casualty losses. First Community Insurance Company offers a Business Owners Program for HOAs providing property and liability coverage.

Excess Liability Limits available up to $6,000,000 per occurrence, $12,000,000 aggregate.

Business Owners Policy

Homeowners Associations

BIG

1162

8 0

617

Examples of Comprehensive Coverage at No Additional Cost

The “Open for Business” online disaster recovery guide, designed by the Insurance Institute for Business and Home Safety, is included with your Homeowners Association Business Owners Policy.

Our complete online system makes writing easy:• Process from quote to application• View existing policy information, including

payment and policy status

• Submit and view endorsements and cancellations,keep signed documents

• Quote new business up to 60 days out

• Report insured claims, receive claim number instantly

• Access underwriter directly

• Generate individual or agency loss run reports• Use convenient payment plans with American

Express, Visa, MasterCard and Discover

Coverage Feature Limits

Accounts Receivable $25,000 at premises/$5,000 off premises

Additional Insured Lessor of Leased Equipment

Included

Automatic Increase in Insurance- Building

At renewal, the limit of insurance will automatically increase by 8%

Business Income and Extra Expense

A $10,000 limit of insurance and 6 month time period for Homeowner Associations

Business Income from Dependent Properties

$5,000

Business Income (Extended) -Extended Period of Indemnity

A $5,000 limit of insurance and 30-day time period

Business Personal Property Within 1,000 feet of premises

Business Personal Property -Seasonal Increase

The policy limit on business personal property will auto-matically increase by 25% to provide for seasonal variations

Damage to Premises Rented To You

$300,000

Debris Removal - Increased Limits

25% of the loss, up to a maximum of $25,000

Electronic Data Additional Coverage

$10,000

Employee Dishonesty $10,000

Equipment Breakdown Up to $99,999

Fine Arts $50,000, $500 per item limit (without an appraisal)

Fire Department Service Charge $25,000

Fire Extinguisher Systems Recharge Expense

$5,000

Forgery and Alteration $10,000

Fungi or Bacteria Coverage - Property

$15,000

Glass Coverage Included (part of the building limit for the building owner and part of the contents limit for the tenant)

Increased Cost of Construction $10,000

Coverage Feature Limits

Interruption of Computer Operations

$10,000

Inventory or Appraisals $5,000

Lock and Key Replacement $5,000

Medical Payments $5,000

Money and Securities $10,000 Inside/$2,500 Outside

Money Orders and Counterfeit Paper

$5,000

Newly Acquired Property Coverage Extension

Buildings at $500,000 Contents at $250,000Coverage period is 180 days

On Premises Swimming Pool - Property

$20,000

Outdoor Property $10,000 but not more than $2,500 for fences or walls; $1,000 for any one tree, shrub, or plant; $1,000 for antennae and satellites; $5,000 for signs (unattached)

Patterns $5,000

Personal Eff ects $5,000 personal eff ects, maximum of $1,000 any one employee

Personal Property Off Premises (Including Transit)

$25,000

Pollutant Clean Up and Removal

$10,000

Property Damage Liability - Borrowed Equipment

$10,000

Arson Reward Coverage $10,000

Signs - Attached $5,000

Spoilage Coverage $5,000

Supplementary Payments Includes the cost of bail bonds, attorney fees, loss of earnings up to $250 a day

Valuable Papers and Records $25,000 at premises/$5,000 off premises

Wind and Hail - Added as Covered Causes of Loss for Outdoor Property

Included