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CONTRACT COMMERCIAL PROPERTY

Some options or coverages noted in this guide may not be available in all automated systems.

E&S/Specialty 480-365-4000 1-800-423-7675 Revised 8-20

Table of Contents

OVERVIEW .............................................................................. 3 APPLICATION REQUIREMENTS ........................................... 3 AUTHORITY ............................................................................ 4

New Business—Submission Requirements ..............................4 Renewal Authority ........................................................................5 Prohibited ......................................................................................6

BLANKET ................................................................................ 7 BOUND BUSINESS NOTIFICATION ....................................... 7 CAUSES OF LOSS ................................................................. 7

Basic Causes of Loss ...................................................................7 Broad Causes of Loss ..................................................................8 Special Causes of Loss ................................................................8

CONSTRUCTION CODES AND DEFINITIONS ....................... 8 Frame (Code #1) ............................................................................8 Joisted Masonry (Code #2) ..........................................................8 Non-Combustible (Code #3) ........................................................9 Masonry Non-Combustible (Code #4) ........................................9 Modified Fire Resistive (Code #5) ...............................................9 Fire Resistive (Code #6) ...............................................................9

COVERAGE, VALUATION AND RATING GUIDELINES ........ 9 Agreed Value .................................................................................9 Building Ordinance or Law—Building Owner............................9 Building Ordinance or Law—Building Owner (A, B, C Combined Sublimit) ................................................................... 11 Building Ordinance or Law—Tenant’s Improvements and Betterments ................................................................................ 12 Building Property Coverage for Tenant’s Policy .................... 13 Buildings..................................................................................... 13 Business Income ....................................................................... 13 Business Personal Property (Contents) .................................. 15 Commercial Property Extension .............................................. 16 Debris Removal Additional Insurance ..................................... 18 Discharge From Sewer, Drain or Sump (Not Flood-Related) ....................................................................................... 18 Equipment Breakdown .............................................................. 20 Excess Property Coverage ....................................................... 24 First Loss .................................................................................... 25 Functional Building Valuation/Functional Business Personal Property Valuation..................................................... 27 Glass ........................................................................................... 28




Historic Register—Buildings .................................................... 28 Household Personal Property .................................................. 28 Legal Liability Coverage ........................................................... 29 Outdoor Signs ............................................................................ 30 Outdoor Trees, Shrubs and Plants .......................................... 30 Peak Season ............................................................................... 31 Personal Property of Others ..................................................... 31 Property in the Open ................................................................. 32 Replacement Cost ..................................................................... 32 Solar Panels ............................................................................... 33 Spoilage ...................................................................................... 33 Sprinkler Leakage ...................................................................... 34 Tenant’s Improvements and Betterments ............................... 34 Theft ............................................................................................ 34 Triple Net Lease ......................................................................... 35 Utility Services ........................................................................... 35 Vandalism And Malicious Mischief .......................................... 37 Wildfire Conditions .................................................................... 37 Windstorm or Hail ...................................................................... 38

CREDITS & SURCHARGES...................................................38 DEDUCTIBLES.......................................................................42 FORMS ...................................................................................42

Required Non-Admitted Forms and Endorsements ............... 43 Optional Forms and Endorsements ......................................... 45

INSPECTIONS ........................................................................48 LIMITS ....................................................................................49 MINIMUM POLICY PREMIUM ................................................49 PROBABLE MAXIMUM LOSS (PML) ....................................50 RATES ....................................................................................50 SIGNATURE-REQUIRED ENDORSEMENTS ........................51 STATE EXCEPTIONS ............................................................51 TERRITORIES ........................................................................52 WARRANTY ENDORSEMENTS ............................................54




OVERVIEW In this section you will find information for various property coverage forms and underwriting guidelines. For more specific information, refer to the Classification/Topical Guide and the individual programs. ISO forms are to be used unless the Classification/Topical Guide, Programs, Contract State Information pages or the Contract Commercial Property section of the Underwriting Guide indicates use of specific company forms. Manuscript endorsements may be used on a non-admitted basis with Company approval. Please remember that ISO forms or specific filed forms must be used in those states in which the company is admitted. Please contact your underwriter for further details. For program policies, program rates and guidelines must be used for Liability and Property sections, subject to state exceptions. Submit any deviations. All guidelines and requirements specified in the Classification & Topical Guide, Contract Underwriting Guide and Contract State Information pages apply to program business, unless otherwise indicated in the individual programs. Contract Commercial P&C business, whether Program or ISO, is to be written on a non-admitted basis, subject to state exceptions. The applicable companies are:

STATE COMPANY

All States except those below Scottsdale Insurance Company (SIC)

Ohio Scottsdale Surplus Lines Insurance Company (SSLIC)

Arizona & Delaware Scottsdale Indemnity Company (SIN)

APPLICATION REQUIREMENTS Required as follows: New Business: At inception. For program and non-program business, use the standard ACORD application. Renewals: A new completed application is required every three years, or if there has been a material change to the risk. New Locations: If a new location is added mid-term, a property application is required for that location.

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AUTHORITY When submitting items for approval, we must be furnished the following information which will allow us to underwrite and improve our response time on submissions: • Completed, signed ACORD application, including

supplemental or Program applications if applicable • Detailed description of operation and explanation of each

named insured • Rating worksheets, including current ISO rating using

Scottsdale’s current Loss Cost Multiplier, individual State Modifiers and program rating, if applicable

• Prior loss experience with detailed description of all losses, including loss prevention measures on any one loss of $10,000 or greater

• Prior carrier and, if possible, historical premium by line of business

• Reason for submission • Target pricing desired • Date quotation is needed

New Business—Submission Requirements • Risks with total property premium of $35,000 or more • Risks with a loss in excess of $50,000, or more than two

losses in the last three years regardless of amount • Accounts indicated as “S” (Submit) in the Classification

and Topical Guide or as submit in a program • Any deviation from the program guidelines or rates • Risks that do not fall within your specific binding

authority (The total amount of coverage for Property and Inland Marine coverages should not exceed your individual binding authority)

• Any risk not insured to the proper coinsurance amount, without coinsurance or on an agreed value basis




• Total credits in excess of 30%, other than wind exclusion credit, unless otherwise advised in the individual programs, State Exceptions or the Contract State Information pages

• Risks with any explosive substance exposure • Risks with existing property damage • Risks requesting building coverage for the insured who is

a tenant in a multi-occupancy building • Equipment Breakdown Coverage and/or Limited

Equipment Breakdown Coverage in CFS-20s (Commercial Property Extension) if indicated as submit in the Classification/Topical Guide or individual programs

Renewal Authority You do not have to submit E&S/Specialty renewals that have been previously approved by an E&S/Specialty underwriter, even those shown in the Classification and Topical Guide or Programs as submit or prohibited, except as follows: (For a list applicable to all lines of business, refer to the Contract Multiple Lines section of this Guide.) • Three annual policy terms since E&S/Specialty under-

writer originally approved the risk • Classifications, exposures or operations changed • Forms need to be amended • Premiums in excess of $35,000 • Accounts having more than two Property losses regardless

of amount, or any one loss over $50,000 in the last three years

• Property PML exceeding your agency binding authority • Policies that you have received notice from your

underwriter to “submit prior to renewing” • Program risks that specifically require all policies to be

submitted for renewal, regardless of prior E&S/Specialty underwriter approval

• Accounts requiring pricing lower than the most current ISO rates, Program rates, or rates previously quoted by an E&S/Specialty underwriter

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• Rewrites with a gap in coverage (Not applicable to seasonal accounts or special events. You may quote these, if the risk has not changed.)

• Expiring account not written by your office (Submission with Broker of Record Letter is necessary.)

• Any policy with Facultative Reinsurance • Equipment Breakdown Coverage and/or Limited

Equipment Breakdown Coverage in CFS-20s (Commercial Property Extension) if indicated as submit in the Classification/Topical Guide or individual programs

Prohibited • Any risk with a mold loss for which proof cannot be

obtained that 100% remediation has occurred • Any risk in bankruptcy or receivership, other than

Chapter 11. Risks in Chapter 11 bankruptcy are acceptable and within agency authority where both of the following conditions exist: ○ The named insured is the trustee/debtor named on the

filing; AND ○ The named insured has access to and control over

funds for insurance and property maintenance • Crop coverage • Earthquake coverage except where specifically allowed by

program or state • Flood coverage • Attachment of CP 04 09, Increase in Rebuilding Expenses

Following Disaster (Additional Expense Coverage on Annual Aggregate Basis)

• Classifications indicating a “P” (Prohibited) in the Classification and Topical Guide or prohibited in a program, unless approved by an E&S/Specialty underwriter

• Exposures indicated as prohibited in the Classification/ Topical Guide or individual programs


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BLANKET Blanket insurance is subject to our current modifier, minimum rate, general guidelines and philosophies. • Blanket each coverage separately, i.e., Buildings, Business

Personal Property, Business Income. • Application to include the specific square footage for each

building so we can determine if the building limit requested is adequate.

• A statement of values is required providing location address, city, state, zip code, construction, age of the building, number of stories, square footage of the building, value of building and business personal property if applicable. ACORD 139 or CP 16 15 may be used for this purpose.

• Minimum 90% coinsurance to be used. • Minimum $1,000 deductible to be used. • Use standard property coverage forms, however, on the

Property Supplemental Declarations page show the word “blanket” next to the Limit of Insurance. The policy needs to include the number of buildings and the addresses, and occupancies must be scheduled.

• Rating—Average rate can be used subject to current state guidelines for modifier and minimum rates.

• Wind/hail deductibles written on a percentage basis will be calculated based on the statement of values on file.

BOUND BUSINESS NOTIFICATION You are not required to advise us of binding, unless requested by us with your quote approval. If we do request notification, please provide policy number, effective date and premium.

CAUSES OF LOSS

Basic Causes of Loss Use form CP 10 10.

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Broad Causes of Loss Use form CP 10 20. To be eligible, building must be 35 years of age or newer, or must have all electrical, heating, plumbing and roofing replaced within the past 35 years. Updating requirements must be verified on the application or inspection, if required.

Special Causes of Loss Available with theft coverage, use form CP 10 30; without theft coverage, also attach form CP 10 33. To be eligible, building must be 35 years of age or newer, or must have all electrical, heating, plumbing and roofing replaced within the past 35 years. Updating requirements must be verified on the application or inspection, if required.

CONSTRUCTION CODES AND DEFINITIONS To ensure consistency, the following ISO Fire and Allied Lines construction codes and definitions will be used in underwriting and pricing the property line of business:

Frame (Code #1) Buildings where the exterior walls are wood or other combustible materials including construction where combustible materials are combined with other materials such as brick veneer, stone veneer, wood iron-clad, or stucco on wood. Structures clad in Exterior Insulation and Finish System (EIFS) or corrugated metal buildings should be rated and coded as frame.

Joisted Masonry (Code #2) Buildings where the exterior walls are constructed of masonry materials such as adobe, brick, concrete, gypsum block, hollow concrete block, stone, tile or similar materials and where the floors and roof are combustible.







Non-Combustible (Code #3) Buildings where the exterior walls and the floors and roof are constructed of, and supported by metal, asbestos, gypsum or other non-combustible materials. This includes ironclad buildings.

Masonry Non-Combustible (Code #4) Buildings where the exterior walls are constructed of masonry materials as described in Code 2, with the floors and roof of metal or other non-combustible materials.

Modified Fire Resistive (Code #5) Buildings where the exterior walls and the floors and roof are constructed of masonry or fire resistive material with a fire resistance rating of one hour or more but less than two hours.

Fire Resistive (Code #6) Buildings where the exterior walls and the floors and roof are constructed of masonry or fire resistive materials having a fire resistance rating of not less than two hours.

COVERAGE, VALUATION AND RATING GUIDELINES

Agreed Value Underwriter approval is required. This optional coverage is triggered when the Agreed Value box is marked on the Property Supplemental Declarations page. The Agreed Value Amount and Expiration Date must be indicated. Since the Agreed Value Option waives the coinsurance clause, it is critical that adequate insurance to value be verified. An appraisal will be required with a copy of the submission.

Building Ordinance or Law—Building Owner Building Ordinance or Law Coverage is available, with building coverage. Please attach form CP 04 05 (CP 04 46 in California), Ordinance or Law Coverage.






• Four coverages are available: 1. Coverage A—Loss to the undamaged portion of the

building due to enforcement of an ordinance or law; coverage is included within the building limit.

2. Coverage B—Demolition and clearing the site of the undamaged parts of the property due to enforcement of an ordinance or law; coverage limit is shown separately or can be blanketed with Coverage C.

3. Coverage C—Increased cost of construction due to enforcement of an ordinance or law; coverage limit is shown separately or can be blanketed with Coverage B.

4. Post Loss Change to Building Code—Includes an ordinance or law that was enacted or revised after the loss but prior to the start of reconstruction or repair, provided it requires compliance as a condition to obtain a building permit or certificate of occupancy.

• Underwriting Considerations: 1. Include the limits for Coverages B and C when figuring

your total values (PML) for binding authority. 2. Make sure there is an ordinance or law applicable to

the property; otherwise, there is no basis for coverage. 3. Consider buildings no older than 35 years, or those

which have been fully updated (roofing, plumbing, heating, electric) within the last 35 years.

• Rating: For Coverage A, increase the building rate by 15% or charge 15% of the building premium. For Coverages B and C, use the building rate times the applicable limit for each coverage. Post Loss Change to Building Code is available at no additional charge. Indicate whether this coverage option applies with an “x” on the form.




Building Ordinance or Law—Building Owner (A, B, C Combined Sublimit) Building Ordinance or Law Coverage Sublimit is available with Building coverage. Please attach form CFS-122 (CFS-122-CA in California), Ordinance or Law Coverage Sublimit. • Four coverages are included under one combined

sublimit: 1. Coverage A—Loss to the undamaged portion of the

building due to enforcement of an ordinance or law. 2. Coverage B—Demolition and clearing the site of the

undamaged parts of the property due to enforcement of an ordinance or law.

3. Coverage C—Increased cost of construction due to enforcement of an ordinance or law.


• Underwriting Considerations: 1. Include the limits when figuring your total values

(PML) for binding authority. 2. If there is no ordinance or law applicable to the

property; there is no basis for coverage. However, some mortgage holders may require this coverage regardless of whether an ordinance or law may apply.

3. Consider buildings no older than 35 years, or those which have been fully updated (roofing, plumbing, heating, electric) within the last 35 years.

4. This option is available for building owners only. 5. If providing blanket coverage, flat charge per building

applies. • Rating:

1. Up to $100,000 in limits—$100 flat charge. 2. $100,000 - $250,000—$250 flat charge. Contact your underwriter for higher limits.

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Building Ordinance or Law—Tenant’s Improvements and Betterments Building Ordinance or Law Coverage for Tenant’s Improvements and Betterments is available, with business personal property coverage. Attach form CP 04 26 (CP 04 36 in California), Ordinance or Law Coverage For Tenant’s Interest in Improvements and Betterments (Tenant’s Policy). • Four coverages are available:

1. Coverage A—Loss to the undamaged portion of the tenant’s improvements and betterments due to enforcement of an ordinance or law; coverage is included within the improvements and betterments limit. Show limit for Improvements and Betterments as a separate item on the Property Supplemental Declarations.

2. Coverage B—Demolition and clearing the site of the undamaged parts of the improvements and betterments due to enforcement of an ordinance or law; coverage limit is shown separately or can be blanketed with Coverage C.

3. Coverage C—Increased cost of construction to repair or reconstruct damaged portions of the improvements and betterments due to enforcement of an ordinance or law; coverage limit is shown separately or can be blanketed with Coverage B.


• Underwriting Considerations: 1. Include the limits for Coverages B and C when figuring

your total values (PML) for binding authority. 2. Make sure there is an ordinance or law applicable to

the property; otherwise, there is no basis for coverage. 3. Make sure the tenant made the improvements and

betterments at their own expense and that the improvements and betterments cannot be moved.






4. Consider buildings no older than 35 years, or those which have been fully updated (roofing, plumbing, heating, electric) within the last 35 years.

• Rating: For Coverage A, increase the final business personal property rate by 15% and apply that rate to the limit for improvements and betterments. For Coverages B and C, use the business personal property rate times the applicable limit for each coverage. Post Loss Change to Building Code is available at no additional charge. Indicate whether this coverage option applies with an “x” on the form.

Building Property Coverage for Tenant’s Policy If a tenant has a contractual responsibility to insure the building glass, building fixtures or permanently installed machinery and equipment, attach either CP 14 01, Scheduled Building Property Tenant’s Policy, or CP 14 02, Unscheduled Building Property Tenant’s Policy. Rate using the business personal property rate times the applicable limit. Limits must be indicated on form CP 14 01 or CP 14 02. The charge for these items should be included in the Property premium.

Buildings Obtain property rates from our Programs, Contract State Information pages or use ISO rating. (ISO x LCM x Individual State Modifier, subject to state minimum rate guidelines.) Apply final property rate per $100 of building limit. For renovation/remodel of vacant buildings, if costs of renovations are equal to or less than $250,000 or 20% of current ACV, refer to the Vacant Building Program for property rates. If costs of renovations are more than $250,000 or 20% of current ACV, refer to the Builders Risk Program.

Business Income Business income may be written either with extra expense (form CP 00 30) or without extra expense (form CP 00 32). We will not write business income without covering building or business personal property.












Coverage may be written utilizing either a coinsurance percentage or a monthly limit of indemnity. Minimum coinsurance percentage is 80%. Available monthly limit of indemnity options are 1/4, 1/3, 1/6, 1/12. Apply ISO factors for extended period of indemnity, per the chart below. This optional coverage is triggered when the Business Income Indemnity box on the Property Supplemental Declarations page is marked and the appropriate information is shown. For educational institutions, business income coverage for tuition and fees is available by attaching CP 15 25. The maximum Extension and Recovery Period for this endorsement is 12 months. Business Income—Landlord As Additional Insured (Rental Value) is available by attaching CP 15 03. This endorsement addresses situations where a tenant’s lease requires the tenant to provide insurance for loss of rental value for the benefit of the insured. Cause of Loss indicated on the endorsement must match the Cause of Loss for the rented premises. When the insured carries Business Income coverage for their own benefit, any payments made to the landlord under this endorsement are deducted from the insured’s business income loss. The insured may request this endorsement without purchasing their own Business Income coverage. In that event, rate using the business income rate for the location times the applicable limit and attach CP 00 32 to the policy along with CP 15 03. If other types of Business Income coverage are required, contact your underwriter.








Extended Period of Indemnity Rate Modification Factors

Number of Days* Factor 90 1.05 120 1.10 150 1.20 180 1.25 270 1.30 365 1.35 450 1.40 540 1.45 630 1.50 730 1.55

* Interpolation not permitted

Business Personal Property (Contents) Theft is to be excluded on any target items. Contact your Contract Property and Casualty underwriter for what are considered target items in your area. Use form CFS-65s, Limited Theft Exclusion, to exclude Theft on Business Personal Property only. A Theft sub-limit on target items may be considered on a submit basis with underwriter approval. We require a central station burglar alarm be present and indicated on the application. Use form CP 12 11 for burglar alarm warranty. Use form CFS-24s if a theft sublimit is approved. Please note the following list of target classes and items. It should be noted that this is NOT an all-inclusive list, merely a guideline. Any business personal property that is similar or associated with the list below should also be considered target items. Any guidelines for specific agents, states or programs would supersede these guidelines.

Aircraft or Aircraft Parts Art Galleries Auctioneers Boats Cell Phones or Pagers







Drug Manufacturing/Distribution/Sales Electronic Equipment and Components Manufacturing/ Service/Installation Explosive or Fireworks Fur Apparel Manufacturing/Distribution/Service/Sales Guns or Ammunition Manufacturing/Distribution/ Service/Sales Museum Artifacts Oriental Rug Stores Photography Equipment Distribution Recording Equipment Rental Stores Sporting Goods or Athletic Equipment Manufacturing/ Distribution/Service Telecommunication Equipment Manufacturing/ Distribution/Sales Tobacco Products Manufacturing/Distribution/Sales (including convenience/grocery stores that generate over 20% of receipts from sales of tobacco products)

Commercial Property Extension Commercial Property Extension, form CFS-20s, is available on those accounts written using the Special Causes of Loss Form only. It provides specific amounts of the following coverages on a single form, as follows: Coverage Limit Deductible • Limited Equipment Breakdown $25,000 $500 • Computer Equipment $25,000 $500 • Accounts Receivable $25,000 $500 • Outdoor Signs $25,000 $500 • Spoilage $25,000 $500 • Valuable Papers $25,000 $500 • Money and Securities $25,000 $500 • Water Backup or Overflow

of Sewers and Drains $ 5,000 $500 • Employee Dishonesty $25,000 $500





The deductible for Limited Equipment Breakdown is $500 per occurrence if this is the only Equipment Breakdown coverage provided by the policy. If the policy provides any other Equipment Breakdown coverage, the largest applicable deductible will apply. The deductible per occurrence for all other coverages in the schedule of this endorsement is $500 per coverage subject to a maximum of $1,000 in any one occurrence for all other coverages other than Limited Equipment Breakdown. The Limited Equipment Breakdown coverage provided is excess over any other Equipment Breakdown limits. Premium is in addition to Property minimum premium and must be shown on the PREMIUM CHARGE line of the CFS-20s. Premium is a flat charge based on the total number of locations, up to 20 locations: Up to 5 total locations—$150 flat charge 6 to 10 total locations—$250 flat charge 11 to 20 total locations—$400 flat charge Over 20 locations—$750 flat charge. For non-program classifications in the Classification/Topical Guide, submission is required for CFS-20s if Equipment Breakdown Coverage requires submission and CFS-20s is prohibited if Equipment Breakdown Coverage is prohibited. This is due to the Limited Equipment Breakdown Coverage provided by CFS-20s. For program classifications, refer to the individual programs for exceptions. Commercial Property Extension, CFS-20s, is prohibited on the Wind and Solar Energy Program. CFS-20s is available for Special Cause of Loss only. If higher limits are needed, separately rate the individual coverages desired and attach the appropriate coverage forms. Consider the total limit being provided for those coverages if also attaching CFS-20s. An e-flier is available to assist you in marketing the Commercial Property Extension. Refer to the E&S/Specialty Portal under the Underwriting Tools tab/Marketing Tools page.








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Debris Removal Additional Insurance Debris Removal Additional Insurance is available. Please attach form CP 04 15. When attached, this form provides an additional amount of insurance which applies to expenses incurred in the removal of debris of the covered property due to a covered cause of loss. Coverage under this form does not apply until recovery under Debris Removal within the Building and Personal Property Coverage Form is exhausted. Rate is 50% of the final building or BPP rate if no building coverage, per $100 of coverage required in excess of 25,000. (Example: $40,000 of Additional Debris Removal coverage requested. $40,000 – $25,000 = $15,000. 50% of final rate X 150 = premium).

Discharge From Sewer, Drain or Sump (Not Flood-Related) Discharge From Sewer, Drain or Sump (Not Flood-Related) is available with Building and/or Business Personal Property coverage. Attach form CP 10 38. When attached, this form provides property damage and/or business interruption coverage (as indicated in the Schedule, provided there is appropriate underlying coverage) from loss caused by discharge of water or waterborne material from a sewer, drain or sump located on the described premises.

• Available coverages: 1. Property Damage Coverage—Provides coverage for direct

physical loss or damage and is subject to the Discharge Limit (Property Damage) indicated in the Schedule. This limit is part of, not in addition to, the limit of insurance applicable to the Covered Property. This coverage must be written with one of the following: ○ Building and Personal Property Coverage Form

○ Condominium Association Coverage Form

○ Condominium Commercial Unit-Owners Coverage Form






2. Time Element Coverage—Provides coverage for time element loss and is subject to the Discharge Limit (Business Interruption) indicated in the Schedule. This limit is part of, not in addition to, the limit of insurance applicable to business interruption coverage. This coverage must be written with one of the following: ○ Business Income (And Extra Expense) Coverage Form

○ Business Income (Without Extra Expense) Coverage Form

○ Extra Expense Coverage Form

3. Annual Aggregate Limitation—Required. Indicate an “x” in the checkbox for the Annual Aggregate Limitation. The Discharge Limits apply on an annual aggregate basis regardless of the number of occurrences during that time period. Coverage cannot be written without the Annual Aggregate Limitation.

• Underwriting Considerations: 1. Coverage is subject to the amounts stated in the Schedule

of the endorsement; these amounts are sublimits and therefore do not increase the limit of insurance.

2. The policy deductible applies to coverage under this endorsement.

3. Coverage does not apply to discharge of water or waterborne material which is induced by flood or flood-related conditions.

4. Coverage is not provided for the cost of repairing or replacing a sewer, drain, sump, sump pump or any related parts or equipment.

5. Coverage does not apply when sump pump failure is caused by power failure, unless the policy is also endorsed to cover power failure.




• Rating:

Limit Premium (Flat Charge) Property Damage

Premium (Flat Charge) Time Element

$ 5,000 $150 $150 $10,000 $250 $250 $15,000 $350 $350 $25,000 $500 $500

Premium is in addition to the minimum premium. Contact your underwriter for higher limits.

Equipment Breakdown Equipment Breakdown Coverage, in partnership with Hartford Steam Boiler, is available for machinery and equipment that may experience coverage gaps due to exclusions found within standard property coverage forms. Program policies with occupancies eligible for Commercial Property or Builders Risk Coverage within your authority are eligible for Equipment Breakdown Coverage, unless otherwise indicated in these guidelines or in the individual programs. Non-program policies with occupancies eligible for Commercial Property Coverage within your authority are eligible for Equipment Breakdown Coverage, unless otherwise indicated in these guidelines or in our Classification and Topical Guide under Comments for the individual classifications. Joint or Disputed Loss Agreement is available by attaching CP 12 70. This is only available when the policyholder has secured Equipment Breakdown coverage from another carrier. The other carrier’s policy must contain a substantially similar endorsement or loss agreement condition. CP 12 70 may not be used in conjunction with Commercial Property Extension endorsement CFS-20s due to the Limited Equipment Breakdown coverage it contains.







• Available For Your Use Hartford Steam Boiler offers a wide variety of loss prevention fact sheets, checklists, logs and planning tools for equipment maintenance and operation. These documents are available through their website at www.hsb.com. E-flier: Available on the Marketing Tools page under the Underwriting Tools tab in the E&S/Specialty Portal.

• Deductible The deductible shown in the Commercial Property Coverage Part Supplemental Declarations or the Builders Risk Coverage Form Supplemental Declarations applies, subject to a $1,000 minimum deductible, unless a higher Equipment Breakdown deductible is required in an individual program or the Classification/Topical Guide. For policies issued with less than a $1,000 Property deductible, a $1,000 minimum “Combined, All Coverages” Deductible is required on CFS-21s, Equipment Breakdown Coverage Endorsement, unless a higher Equipment Breakdown deductible is required in an individual program or the Classification/Topical Guide. Equipment Breakdown deductible indicated on CFS-21s cannot be less than the Property AOP deductible. Deduct-ible indicated on IMS-87 cannot be less than the Inland Marine per occurrence deductible.

• Jurisdictional Inspections Any equipment requiring a state or municipal inspection according to statute will be inspected by a licensed Hartford Steam Boiler (HSB) inspector. Working with E&S/Specialty and the insured, HSB will determine which insureds require an inspection. HSB will proactively schedule and perform inspections at these locations at no additional charge. Most states and a few smaller jurisdictions do require payment of a certificate fee upon inspection. The certificate fee is the responsibility of the insured and is billed directly.

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An Inspection Hotline is also maintained to assist in obtaining jurisdictional inspections. The Inspection Hotline is available to take calls at 1-800-333-INSP (4677) from 7:00 AM to 6:00 PM Eastern Standard Time. Messages can be left after hours.

• Claim Handling Claims should be submitted to E&S/Specialty through normal channels. Once it is determined that Equipment Breakdown coverage applies, E&S/Specialty will submit the claim to HSB for adjustment. E&S/Specialty will make any applicable payment.

• Underwriting & Rating Considerations 1. Equipment Breakdown must be written in conjunction

with Commercial Property or Builders Risk coverage and is not available on a stand-alone basis. Equipment Breakdown must be provided for all locations on a policy.

2. When Equipment Breakdown coverage is attached to a Commercial Property policy: Except as indicated, full limits of Real, Business Personal Property, Business Income and Extra Expense will be covered by Equipment Breakdown if covered on the Commercial Property policy. Sublimits of $100,000 apply to Expediting Expense, Hazardous Substance, Data Restoration, and Spoilage; the sublimits are included in the coverage form and not to be filled on the schedule.

3. When Equipment Breakdown Coverage is attached to a Builders Risk policy: Except as indicated, full limits of Real, Business Personal Property, Soft Costs, Business Income and Extra Expense will be covered by Equipment Breakdown if covered on the Builders Risk policy. Sublimits of $100,000 apply to Expediting Expense, Hazardous Substances and Data Restoration; the sublimits are included in the coverage form and not to be filled on the schedule.




4. Premium for Equipment Breakdown Coverage is in addition to the Property or Builders Risk minimum premium. The annual premiums may be pro-rated if coverage is added midterm.

• Submit 1. Risks with two or more Equipment Breakdown losses

or an Equipment Breakdown loss of $25,000 or more within the past two years.

2. Risks engaged in the generation of power, other than emergency back-up power, for their own use or sale to power companies.

3. Classifications indicating Equipment Breakdown is submit in the Classification and Topical Guide or individual programs.

4. Risks with locations outside the United States. • Prohibited Under This Coverage

1. Equipment Breakdown Coverage on Inland Marine exposures, other than Builders Risk.

2. Classifications indicating Equipment Breakdown is prohibited in the Classification and Topical Guide or individual programs.

3. Wind and Solar Energy Program. • Policy Issuance

1. Attach CFS-21s, Equipment Breakdown Coverage Endorsement, to package or monoline Property policies. This form modifies all applicable causes of loss.

2. Attach IMS-87, Builders Risks Equipment Breakdown Coverage, for Builders Risk.

3. Show the appropriate premium on the premium line of the Equipment Breakdown form.

4. No limit is to be shown in the endorsement schedule for the Equipment Breakdown Limit on the CFS-21s. The coverage form follows the limits shown in the Commercial Property Coverage Part Supplemental Declarations.







5. No limits are to be shown in the endorsement schedule for Expediting Expense, Hazardous Substance, Data Restoration, Spoilage, Service Interruption, Business Income or Extra Expense, unless the sublimits provided in the coverage form are otherwise negotiated.

6. No deductible is to be shown on the endorsement under Deductibles—Combined, All Coverages, unless it differs from the Property/Builders Risk deductible.

• Forms and Endorsements Use the following Equipment Breakdown forms: Other than Builders Risk: CFS-21s ...................... Equipment Breakdown Coverage

Endorsement Builders Risk: IMS-87 ........................ Builders Risk Equipment

Breakdown Coverage • Rate:

The premium charge is based on the total insured value (TIV). When determining the TIV include all Building, Business Personal Property, Soft Costs, Business Income and Extra Expense limits as applicable. Submit for approval location limits that exceed your agency authority. Deductible credits do not apply to this rate. Rate: $0.02 per $100 of TIV

Excess Property Coverage Underwriter approval is required. Excess Property Coverage applies only after the limits of another applicable policy providing Primary/First Loss insurance are exhausted. • The carrier providing the primary limit must have an

A.M. Best rating of at least a B+. Carrier’s name and rating must be included with the application.






• We need to confirm that the primary carrier premium added to our excess premium equals a total premium that is adequate for the entire account.

• The coinsurance provision does not apply. Our procedure for premium development of an excess property limit is as follows: • Divide the amount of primary insurance by the TIV to

obtain the percent of exposure. • Locate the corresponding percent of premium as found in

the First Loss Table. This percentage is subject to a 90% maximum when computing excess premium.

• The percentage of premium found on the chart (subject to a 90% maximum) is then multiplied by the total premium to obtain the first loss premium.

• Subtract the first loss premium from the total premium to arrive at the excess premium.

Contact your Contract Property and Casualty underwriter for more specific information. First Loss First loss is when the company writes first dollar within its limit and the coinsurance provision is suspended. This process for premium development should also be used when the insured has requested a building limit that is underinsured, and we need to obtain an adequate premium for the exposure. Our procedure for premium development for a primary (first loss) limit is as follows: • Determine actual cash value (ACV). • Divide the amount of insurance requested by the actual

cash value to determine the percent of exposure. • Locate the corresponding percent of premium as found in

the First Loss Table (see below).




• The percent of premium is then multiplied by the total value premium to obtain the first loss premium.

% OF EXPO.

% OF PREM.

% OF EXPO.

% OF PREM.

% OF EXPO.

% OF PREM.

% OF EXPO.

% OF PREM.

1.0 34.13 4.6 50.40 32.0 83.35 68.0 93.12 1.2 35.18 4.8 51.45 34.0 84.23 70.0 93.45 1.4 36.23 5.0 52.50 36.0 84.92 72.0 93.87 1.6 37.28 6.0 54.60 38.0 85.62 74.0 94.29 1.8 38.33 7.0 56.70 40.0 86.33 76.0 94.92 2.0 39.38 8.0 58.80 42.0 86.94 78.0 95.76 2.2 39.90 9.0 60.90 44.0 87.47 80.0 96.60 2.4 40.43 10.0 63.00 46.0 88.10 82.0 97.44 2.6 40.95 12.0 65.10 48.0 88.68 84.0 98.28 2.8 41.48 14.0 67.20 50.0 89.25 86.0 99.12 3.0 42.00 16.0 69.30 52.0 89.67 88.0 99.96 3.2 43.05 18.0 71.40 54.0 90.09 90.0 100.80 3.4 44.10 20.0 73.50 56.0 90.51 92.0 101.33 3.6 45.15 22.0 75.60 58.0 90.93 94.0 102.48 3.8 46.20 24.0 77.70 60.0 91.35 96.0 103.32 4.0 47.25 26.0 79.41 62.0 91.77 98.0 104.16 4.2 48.30 28.0 80.72 64.0 92.19 99.0 104.58 4.4 49.35 30.0 82.04 66.0 92.61 100.0 105.00

• To indicate this First Loss approach on the policy, show NIL under coinsurance. There are no special forms that need to be attached.

• First Loss is typically written as Actual Cash Value (ACV). Contact your underwriter for any other valuation.

• While First Loss is generally written on Building only, it can also apply to Business Personal Property. Each coverage should have its own First Loss limit and total value.




Example ACV = $5,000,000 Building First Loss Limit of $2,000,000 requested 1. Determine the rate to be used in the normal manner using

the program rate, or if rating ISO times the LCM and state modifier (if any), subject to the minimum rate for the state.

Manual LCM State

Modifier Rate Min. Rate

$.25 X 1.78 X $1.25 = $.556 $.70

$5,000,000 (per $100: $50,000) X .70 = $35,000 2. Divide the amount of insurance requested by the Actual

Cash Value to determine the percent of exposure. $2,000,000/$5,000,000 = 40%

3. Locate the corresponding percent of premium in the First Loss Table. 40% of exposure = 86.33% of premium

4. The percentage of premium is then multiplied by the total value premium to obtain the first loss premium. $35,000 x .8633 = $30,216

Functional Building Valuation/Functional Business Personal Property Valuation Underwriter approval is required. This valuation is typically used when a functionally equivalent building can replace the original at a lower cost than would be required by identical replacement, such as an older building whose architectural style has become obsolete or simply unnecessary to the insured’s current use of the building. It is not replacement cost. There is no coinsurance clause for this valuation. Ordinance or Law Coverage is included in the form. Your Contract Property and Casualty underwriter will provide guidance on forms CP 04 38 and CP 04 39 (10-90) (CP 04 47 and CP 04 48 for California).


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Glass Glass coverage is included in the Building and Personal Property Coverage Form, CP 00 10. No separate forms are required. If the insured is the building owner, include the value of the glass in the building limit. The deductible for glass is the same as the building deductible. If a tenant has a contractual responsibility to insure the building glass, refer to Building Property Coverage for Tenant’s Policy.

Historic Register—Buildings

Coverage is available for buildings listed on a Historic Register. Such property is at least 50 years of age and is listed on a Federal, State, County, Municipal or other governmental Historic Register. An inspection is required on all accounts by a qualified inspection company with building valuation. CFS-89, Historic Building Valuation, is a required form. ACV or Replacement Cost is available with coinsurance. For Replacement Cost coverage, all electrical, heating, plumbing and roofing must have been replaced within the past 35 years. Updates must be verified on the application or inspection. Underwriter approval is required for Agreed Value, which is not subject to coinsurance. For Agreed Value consideration, we require an appraisal from a specialty contractor who specializes in appraisals of historical buildings.

Household Personal Property Household Personal Property Coverage (CP 99 92) is available with limits up to $250,000. This coverage may be written with or without Business Personal Property Coverage. Use the Property class code and rate based on primary occupancy of the location. Include the Household Personal Property Coverage limit when figuring your total values (PML) for binding authority.







Legal Liability Coverage The Legal Liability Coverage Form, CP 00 40, will pay those sums that the insured becomes legally obligated to pay as damages because of direct physical loss or damage to tangible property of others. The property must be in the insured’s care, custody, or control, and the damage must be caused by an insured peril, as indicated on the appropriate causes of loss form. CP 00 40 also covers loss of use of the property and provides defense expense coverage outside the applicable limit of insurance. The loss to covered property must be caused by accident, thus eliminating coverage for intentional damage brought about by the insured. Coverage is not provided for any liability assumed in a contract for which the insured would not otherwise be legally liable. CP 00 40 is not to be used for a contractor on property under construction or being worked on by the contractor. The Legal Liability Coverage Schedule, CP DS 05, must be attached and include a precise description of the insured’s business operations, location, and the property of others for which the insured may be legally liable. The Commercial Property Conditions, CP 00 90 and a Cause of Loss form, must also be attached. Underwriting criteria applicable to Causes of Loss apply to this coverage, including but not limited to building age/updates, theft and windstorm/hail guidelines. You may write building coverage only up to a maximum limit of $1,000,000 for a sole tenant of a building. Charge 50% of the final property rate, per $100 of building limit. Include premium with Property Coverage Part premium on Common Policy Declarations. If this coverage is written in conjunction with General Liability, the Limits of Insurance on the General Liability Coverage Part Supplemental Declarations for Damage to Premises Rented to You must show “Excluded,” “Not Covered” or “0” and form CG 21 45, Exclusion—Damage to Premises Rented to You, must be attached. Any requests for this form for a multi-occupancy building must be referred to your underwriter for approval. Note: See Florida State Exceptions in this guide.




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Outdoor Signs Outdoor Signs Coverage may be added to Covered Property by attaching form CP 14 40. Coverage is subject to all provisions of the applicable Causes of Loss Form. Use class code 1185 for Outdoor Signs and rate per the Storage Buildings rate in the Contractor Property Rates. • State Exceptions:

1. AL, GA, LA, MS, NC, SC & TX—Coverage available in Tiers 1 and 2 only if Wind is excluded

2. FL—Coverage available only if Wind is excluded

• Underwriting Considerations 1. Signs over 50 feet in height must be property secured

per any local and/or state codes. 2. Property form CP 00 10 limits $2,500 for attached or

unattached signs. Use CP 14 40 for signs requiring higher limits. Outdoor Signs may also be scheduled using the Property Supplemental Declarations.

3. Commercial Property Extension, CFS-20s, provides $25,000 limit for Outdoor Signs. Consider this amount when determining if higher limits are needed for Outdoor Signs.

4. For Mobile Signs, refer to the Contract Inland Marine Underwriting Guide.

Outdoor Trees, Shrubs and Plants Outdoor trees, shrubs and plants may be added to Covered Property by attaching form CP 14 30. Coverage is available only in conjunction with Building Coverage and is subject to all applicable provisions of the Causes of Loss Form • State Exceptions:

1. AL, GA, LA, MS, NC, SC & TX—Coverage available in Tiers 1 and 2 only if Wind is excluded

2. FL—Coverage available only if Wind is excluded


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• Coverage: 1. $500 maximum limit each tree, shrub or plant 2. $100,000 maximum limit for all items per location

• Rate: $.20 per $100 of coverage

Peak Season Increased limits for Business Personal Property during peak season are available for businesses that experience increased inventory during certain times of the year. Peak Season Limit of Insurance, form CP 12 30, may be used to increase this limit during the time period specified on the endorsement, thereby avoiding over-insuring during the off-season and underinsuring during the peak season. Premium is calculated by prorating the annual rate for each period specified in the endorsement, times the increase in the limit of insurance (in hundreds).

Personal Property of Others Coverage is available in conjunction with Building or Business Personal Property on accounts with incidental exposure to personal property of others (limits up to $10,000). Otherwise, Bailee’s coverage should be provided and charged for. Refer to the Inland Marine section of the Underwriting Guide. Personal Property of Others is not available for warehousing and freight forwarding operations, as that is Warehouseman’s Legal Liability. Use the business personal property rate for the location times the applicable limit.





Property in the Open Property in the Open is intended to cover individually scheduled items that are not buildings. Examples are light poles, gas pumps, unattached canopies, fences, storage containers, etc. Each item should be scheduled on the Property Supplemental Declarations. Use class code 1190 for Property in the Open and rate per the Storage Buildings rates in the Contract Property Contractor Rates. (Supported in the automated rating systems for specific program business only.) Note: See Florida State Exceptions in this guide. Do not use class code 1190 for business personal property stored in the open, such as stock, merchandise or materials. Include the value of these items in the Business Personal Property limit for that location.

Replacement Cost Available for building and business personal property coverage. To be eligible, building must be 35 years of age or newer, or must have all electrical, heating, plumbing and roofing replaced within the past 35 years. Updating requirements must be verified on the application or an inspection, if required. • Prohibited Classes for Business Personal Property

Replacement Cost 1. Classes indicating coverage prohibited in the

individual programs or the Classification and Topical Guide.

2. Antiques/Collectibles 3. Any used items for sale (thrift stores, flea markets,

etc.) 4. Art Galleries/Dealers 5. Pawn Shops






Note: This is not an all-inclusive list. If you have any questions, contact your Contract Property and Casualty underwriter.

Solar Panels If solar panels are attached to a building, include the values in the building limit. Ground-mounted systems should be scheduled on the Property Supplemental Declarations. Describe solar panels by location and indicate total limit of insurance.

• Program rated business: Use class code 1190 for Property in the Open and rate as Storage Buildings using the Contractor Property Rates.

• ISO rated business: Use class code 1165—rate as Solar Panel Arrays—Freestanding (Not on Buildings).

Contact your Contract Property and Casualty underwriter for questions.

Spoilage Spoilage coverage is available for risks with this exposure. Maximum limit is $100,000 per location. $250 minimum deductible is required. This coverage must be written with Business Personal Property Coverage. It covers perishable stock of the insured or perishable stock belonging to others in the insured’s care, custody or control. Attach form CP 04 40. The following Causes of Loss are available; indicate an “x” on the form for: 1. Breakdown or Contamination—$.75 per $100 of value 2. Power Outage—$.75 per $100 of value If a Refrigeration Maintenance Agreement is shown as applicable, a 25% credit may be applied to the Spoilage rate for Breakdown or Contamination. The Selling Price option is available at no additional charge. Indicate coverage with an “x” on the form.

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Sprinkler Leakage Included in Basic, Broad and Special Causes of Loss forms. May be excluded by using form CP 10 56.

Tenant’s Improvements and Betterments Improvements and Betterments are included in the Building and Personal Property Coverage Form, CP 00 10. They are considered Covered Property under the definition of Business Personal Property. Improvements and betterments are permanent additions or changes made to a building by a lessee at their own expense but which they cannot legally remove. The limit for improvements and betterments may either be included in the Business Personal Property limit or listed as a separate item on the Property Supplemental Declarations. Use the business personal property rate for the location if listing improvements and betterments separately. • Underwriting Considerations:

1. Make sure the changes made by the tenant qualify as improvements and betterments for coverage purposes. They must be made at the tenant’s expense and cannot legally be moved.

2. Owners of a commercial condo unit should not attempt to insure their condo unit on form CP 00 10 with an improvements and betterments limit. Contact your Contract Property and Casualty Underwriter for guidance on proper handling using form CP 00 18, Condominium Commercial Unit-Owners Coverage Form.

Theft • Included in the Special Cause of Loss form. It can be

excluded by attaching form CP 10 33. A theft sublimit may be used by attaching form CFS-24s (also see the Business Personal Property section for discussion of theft and target items).










• Limited Theft Coverage, form CFS-61s, may be offered on policies written using the Basic or Broad Causes of Loss forms. We offer up to a $10,000 maximum limit per building for a $150 flat charge per building. A central station burglar alarm is required and must be warranted on form CP 12 11. This form is not available for the target classes and items listed under Business Personal Property in this guide.

Triple Net Lease Underwriter approval is required if Building coverage is being requested. This type of lease requires the lessee to pay for net real estate taxes on the leased asset, net building insurance and net common area maintenance. We offer coverage when our insured is the sole tenant in a building. CP 12 19, Additional Insured—Building Owner, should be attached.

Utility Services Coverage may be provided by attaching form CP 04 17 for Utility Services Direct Damage coverage or by attaching form CP 15 45 for Utility Services Time Element coverage. Coverage is available for risks that require utility services to supply basic commercial exposures such as bathrooms, employee breakrooms, sprinkler systems, lighting, phone, internet, payment processing and heating/air conditioning systems. Coverage is also available for risks with food or beverage exposures. Coverage is available for Direct Damage only in conjunction with either Building or Business Personal Property coverage. Coverage is available for Time Element only in conjunction with Business Income and/or Extra Expense coverage. Cause of Loss shown for Utility Services must match the Cause of Loss shown for the covered location(s). The waiting period for Utility Services Time Element must match the Business Income waiting period. No waiting period applies if the policy only provides Extra Expense coverage.









• State Exceptions 1. Florida: Coverage not available. 2. LA & TX:

○ Submit Direct Damage Coverage. ○ Time Element Coverage prohibited for Tier 1 and

Tier 2; submit for remainder of state. 3. MA, NY & OK: Submit for coverage.

• Coverage 1. $100,000 maximum limit each location for Direct

Damage. Submit for higher limits. 2. $50,000 maximum limit each location for Time

Element. Submit for higher limits. • Submit

1. Risks with temperature sensitive materials or stock—other than food or beverage (e.g., chemicals or pharmaceuticals)

2. Risks with clean rooms 3. Risks with manufacturing or processing equipment

sensitive to electrical surge 4. Risks whose operations require water supply other

than to supply bathrooms, employee breakrooms or sprinkler systems

5. Risks whose operations require electrical or communications supply other than to supply lighting, phone, internet, payment processing or heating/air conditioning systems.




• Rates (not available in automated rating systems) Direct Damage Rates—All Causes of Loss

Rates are per $100 of value

Exposures Water Supply

Property

Communication Supply Property

(Including Overhead Lines)

Communication Supply Property (Not Including

Overhead Lines)

Power Supply Property

(Including Overhead

Lines)


(Not Including Overhead

Lines) Non-temperature sensitive accounts $0.35 $0.45 $0.35 $0.45 $0.35

Temperature sensitive accounts $0.35 $0.45 $0.35 $0.75 $0.75

Time Element Rates—All Causes of Loss Rates are per $100 of value

Exposures Water Supply

Property

Wastewater Removal Property

Communication Supply Property

(Including Overhead Lines)

Communication Supply Property (Not Including

Overhead Lines)


(Including Overhead

Lines)


(Not Including Overhead

Lines) All accounts $0.20 $0.20 $0.75 $0.45 $0.75 $0.45

Vandalism And Malicious Mischief Included in Basic, Broad and Special Causes of Loss forms. May be excluded by using form CP 10 55.

Wildfire Conditions These guidelines apply whether a cease bind has been issued or not. General Agents are responsible for remaining current on the wildfire conditions of the states they are quoting and binding coverage in. For all Commercial Lines Property, Equipment Breakdown, and/or Inland Marine risks: • New business: No binding of any risk with the above

coverages is permitted within 20 miles of any active fire line or mandatory evacuation zone.

• Renewal and existing business: If within 20 miles of any active fire line or mandatory evacuation zone, coverage may be offered subject to the same terms and conditions as the expiring policy. Changes in coverage or deductibles are prohibited until such time that the fire has been 100% contained.





Windstorm or Hail Included in Basic, Broad and Special Causes of Loss forms. May be excluded by using form CP 10 54. Wind guidelines allow us to remain a viable property market in regions of the country that are more susceptible to the perils of wind and hail. Since guidelines vary by state, please refer to the appropriate Contract State Information page on the E&S/Portal under the Underwriting Tools tab/Related UW Information portlet/Contract State Information. Available wind exclusion credits for Program business are located at the end of the Property rate charts.

CREDITS & SURCHARGES Submit total credits in excess of 30%, other than wind exclusion credit, unless otherwise advised in the individual programs, State Exceptions or the Contract State Information pages. (See AL, FL, GA, MS, LA, NC, SC & TX in State Exceptions section of this guide.) • Deductible Credits

The following Property deductible credits are available for your use when providing an optional AOP higher deductible not mandated in the Classification/Topical Guide or in an individual program:

Deductible Amount Maximum Credit $ 1,000. None 2,500. 6% 5,000. 10% 10,000. 12% 15,000. 15% 25,000. 18%

Submit requests for higher deductibles or the use of ISO deductible credits.

• Package Policy Credit A 10% package credit may be applied to the Premises and Products/Completed Operations Liability rates and the Building, BPP and Business Interruption Property rates, if both Liability and Property coverage (other than Inland Marine and Crime) are provided on the policy. (Available if Package Policy Credit not offered elsewhere.) The package credit is not applicable to Inland Marine, Crime or Liquor Liability rates. The package credit is not applicable to the line of business or classification minimum premiums.






• Sprinkler System Credit A 20% Property rate credit may be applied if the risk is fully sprinklered and warranted by attaching CP 04 11. For buildings with active wet pipe systems, the heating system must be maintained. If insured is a tenant, properties are eligible for this credit with confirmation they are responsible for maintenance of the sprinkler system. An additional 5% Property rate credit may be applied if the building is sprinklered and sprinkler leakage is excluded by attaching CP 10 56, provided this exclusion is not indicated as a mandatory form on the individual program. (LA exception: The Sprinkler System Credit may be ap-plied when the insured is a tenant without attachment of CP 04 11 and without confirmation that the insured is responsible for maintenance of the system.)

• AL, CT, DC, DE, GA, IL, IN, KY, MA, MD, ME, MI, MN, MS, NC, NH, NJ, NY, OH, PA, RI, SC, TN, VA, VT, WI & WV only—Loss Free Property Credit A 10% credit may be applied to the Building, BPP and Business Income Property rates for new and renewal business if the risk has been loss free for three years. This credit is not available for risks in business less than three years or vacant buildings. Three years currently valued loss runs required to be in the file if this credit is applied.

• AL & MS only: Buildings 20 Years Old or Newer Credit—A 10% credit may be applied to the Building, BPP and Business Income Property rates for new and renewal business if the building was built in the last 20 years. This credit is not applicable to buildings only renovated or updated in the last 20 years.

• GA, NC & SC only: 1. Buildings 20 Years Old or Newer Credit—A 10%

credit may be applied to the Building, BPP and Business Income Property rates for new and renewal business if the building was built in the last 20 years. This credit is not applicable to buildings only renovated or updated in the last 20 years.







2. Optional Wind Deductible Credits—The following Property wind deductible credits may be applied to the Building and BPP Property rates when providing an optional wind deductible in excess of required guidelines:

Wind Deductible Amount Maximum Credit

3% 5% 5% 10% 10% 15%

• Florida only: 1. Loss Free Property Credit—A 10% credit may be

applied to the Building, BPP and Business Income Property rates for new and renewal business if the risk has been loss free for three years. This credit is not available for risks in business less than three years or vacant buildings.

2. Over 15 Miles From Coastal Waters Credit—For wind included business only—A 10% credit may be applied to the Building, BPP and Business Income Property rates for new and renewal business if the risk is located over 15 miles from coastal waters. Credit is not available for Frame or Non-Combustible construction. Credit is not applicable to Palm Beach, Broward and Miami-Dade County rates.

3. 1995 or Newer Joisted Masonry Building Credit—For wind included business only—A 10% credit may be applied to the Building, BPP and Business Income Property rates for new and renewal business if the building is joisted masonry construction and was built in 1995 or later. This credit is not applicable to buildings renovated or updated in 1995 or later. Credit not applicable to Palm Beach, Broward and Miami-Dade County rates.




4. 2005 or Newer Masonry NC, Modified Fire Resistive or Fire Resistive Building Credit—For wind included business only—A 10% credit may be applied to the Building, BPP and Business Income Property rates for new and renewal business if the building is masonry noncombustible, modified fire resistive or fire resistive construction and was built in 2005 or later. This credit is not applicable to buildings renovated or updated in 2005 or later.

5. Optional Wind Deductible Credits—The following Property wind deductible credits may be applied to the Building and BPP Property rates when providing an optional wind deductible in excess of required guidelines:

Wind Deductible Amount Maximum Credit

5% 5% 10% 15% 20% 25%

• Louisiana only—Higher Building Limit Credit For program wind included business only—The following credits may be applied on a per building basis to the Building rate only. Credits do not apply to BPP, Business Income or wind excluded rates. Submit risks exceeding the maximum allowed credit indicated. a. Building values of $500,000 to $999,999—15% credit.

(Total of all credits cannot exceed 40%.) b. Building values of $1,000,000 or greater—25% credit.

(Total of all credits cannot exceed 40%.) • Texas only—Loss Free Renewal Business Property

Credit A 10% credit may be applied to the Building, BPP and Business Income Property rates for E&S/Specialty renewals if the risk has been loss free for the past year.




DEDUCTIBLES Minimum of $500 per loss for Basic form. Minimum of $1,000 per loss for Broad & Special forms. When we are sharing a line with another company or companies, there must be a minimum $1,000 deductible applicable to our portion. When participating, be sure to document the deductible as pro rata or as our policy deductible. Note: If we are excess over another company’s primary limit, that company’s limit acts as the deductible. Deductible Credits: The following Property deductible credits are available for your use when providing an optional AOP higher deductible not mandated in the Classification/Topical Guide, individual programs or State Information pages:

Deductible Amount Maximum Credit $ 1,000. None 2,500. 6% 5,000. 10% 10,000. 12% 15,000. 15% 25,000. 18%

Submit requests for higher deductibles or the use of ISO deductible credits.

FORMS We prefer ISO forms and approved company commercial property forms currently in use for the state where the risk is located. The forms below are to be used for Scottsdale Insurance Company policies. Please contact the company for the equivalent form numbers for Scottsdale Indemnity and Scottsdale Surplus Lines Company polices. If an account is a program class, all program mandatory forms apply also. Submit any deviation.




A number of our Company and ISO forms and declaration pages contain a blank space for “fill-ins.” Our Company position is that all policy forms or endorsements, whether issued manually or by automated system, should be filled in with the applicable information. The most current edition of endorsements and forms must be used, unless otherwise indicated. These forms and our complete forms library are accessible on the E&S/Specialty Portal under the Underwriting Tools tab/Forms portlet.

Required Non-Admitted Forms and Endorsements Scottsdale Insurance Company Forms NOTX0178CW ................. Claim Reporting Information NOTX0423CW ................. Policyholder Disclosure—Notice of

Terrorism Insurance Coverage (must be sent with all new and renewal quotations and listed on Schedule of Forms and Endorsements)

UTS-COVPG .................... Cover Page (SIC) OPS-D-1 ........................... Common Policy Declarations

(Do not use CPS-D-1) CPS-SD-1 ......................... Commercial Property Coverage Part

Supplemental Declarations UTS-SP-2 ......................... Schedule of Forms and

Endorsements (required for automated systems)

UTS-SP-3 ......................... Schedule of Locations CP 00 10 ........................... Building & Personal Property

Coverage Form CP 00 90 ........................... Commercial Property Conditions CP 02 99 ........................... Cancellation Changes (Do not use in

states where surplus lines are subject to cancellation or non-renewal laws.)

CP 10 10 ........................... Causes of Loss—Basic Form or

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CP 10 20 ........................... Causes of Loss—Broad Form or

CP 10 30 ........................... Causes of Loss—Special Form CP 01 40 ........................... Exclusion of Loss Due to Virus or

Bacteria CP 12 11 ........................... Burglary and Robbery Protective

Systems (required if providing theft coverage on BPP—warranted device must be indicated on application)

IL 00 17 ............................ Common Policy Conditions UTS-443s ......................... (If insured ACCEPTS Terrorism

Coverage) Cap on Losses from Certified Acts of Terrorism; Excluding Nuclear, Biological, Chemical or Radiological Acts of Terrorism

or IL 09 53 ............................ (If insured REJECTS Terrorism

Coverage) Exclusion of Certified Acts of Terrorism (Note: You must fill in the state and coverage part on form IL 09 53 if the risk is located in California, Connecticut, Georgia, Hawaii, Illinois, Iowa, Maine, Missouri, New Jersey, New York, North Carolina, Oregon, Rhode Island, Virginia, Washington, West Virginia and Wisconsin.)

IL 09 85 ............................ (Required if Insured ACCEPTS Terrorism Coverage) Disclosure Pursuant to Terrorism Risk Insurance Act

FS-14g .............................. Perils of the Sea Exclusion (only mandatory for any risk on piers, pilings, docks, wharfs or permanently moored)





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UTS-9g ............................. Service of Suit Clause UTS-496 ........................... Minimum Earned Cancellation

Premium (Indicate a minimum of 25% of the premium.)

UTS-476 ........................... (Oregon only) Marijuana/ Cannabis Exclusion

plus • State specific forms as required for Excess and

Surplus Lines policies, per our State Information pages on the E&S/Specialty Portal under the Underwriting Tools tab/Related UW Information portlet/Contract State Information.

• Program Specific Endorsements and Forms Refer to specific program for additional form numbers and underwriting applicability.

Optional Forms and Endorsements CFS-20s ................ Commercial Property Extension CFS-21s ................ Equipment Breakdown Coverage

Endorsement CFS-24s ................ Theft Sublimit Endorsement CFS-31s ................ Multiple Deductible Form

(Fixed Dollar Deductibles) CFS-33s ................ Prior Damage Exclusion CFS-59s ................ Secured Premises Warranty CFS-61s ................ Limited Theft Coverage CFS-63s ................ Vandalism Sublimit CFS-65s ................ Limited Theft Exclusion CFS-70s ................ Copper Theft And Associated Vandalism

Exclusion (for Special form) CFS-72s ................ Copper Theft and Associated Vandalism

Sublimit Endorsement (for Special form) CFS-79s ................ Sprinkler Leakage Sublimit CFS-81s ................ Copper Damage Exclusion

(for Basic and Broad Form)

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CFS-89 ................. Historic Building Valuation CFS-108 ............... Deductibles By Building CFS-111 ............... Water Damage Sublimit CFS-114 ............... Used or Pre-Owned Merchandise Valuation

Clause CFS-122 ............... Ordinance or Law Coverage Sublimit CFS-122-CA ......... (CA only) Ordinance Law Coverage

Sublimit CFS-133 ............... Named Wildfire Deductible CFS-134 ............... Named Wildfire Aggregate Limit CFS-135 ............... (AK, AZ, CO, ID, MT, NM, OR, UT, WA

& WY only) Hail Only Deductible CFS-136 ............... (AK, AZ, CO, ID, MT, NM, OR, UT, WA

& WY only) Hail Only Exclusion CP 00 30 ............... Business Income Coverage Form

(And Extra Expense) CP 00 32 ............... Business Income Coverage Form

(Without Extra Expense) CP 00 40 ............... Legal Liability Coverage Form CP DS 05 .............. Legal Liability Coverage Schedule CP 00 50 ............... Extra Expense Coverage Form CP 03 20 ............... Multiple Deductible Form

(Fixed Dollar Deductibles) CP 03 21 ............... Windstorm or Hail Percentage Deductible CP 03 29 ............... Deductibles by Location CP 04 05 ............... Building Ordinance or Law CP 04 11 ............... Protective Safeguards (warranted device

must be indicated on application) CP 04 15 ............... Debris Removal Additional Insurance CP 04 17 ............... Utility Services Direct Damage CP 04 26 ............... Ordinance or Law Coverage For Tenant’s

Interest in Improvements and Betterments (Tenant’s Policy) (except CA)

CP 04 36 ............... (CA only) California Ordinance or Law Coverage For Tenant’s Interest in Improvements and Betterments (Tenant’s Policy)

CP 04 40 ............... Spoilage






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CP 04 50 ............... Vacancy Permit CP 10 33 ............... Theft Exclusion (excludes theft on Building

and BPP) CP 10 36 ............... Limitations on Coverage For Roof

Surfacing CP 10 54 ............... Windstorm or Hail Exclusion CP 10 55 ............... Vandalism Exclusion CP 10 56 ............... Sprinkler Leakage Exclusion CP 12 11 ............... Burglary and Robbery Protective

Safeguards (warranted device must be indicated on application)

CP 12 18 ............... Loss Payable Provisions CP 12 19 ............... Additional Insured—Building Owner CP 12 30 ............... Peak Season Limit of Insurance CP 12 70 ............... Joint or Disputed Loss Agreement CP 14 01 ............... Scheduled Building Property Tenant’s

Policy CP 14 02 ............... Unscheduled Building Property Tenant’s

Policy CP 14 10 ............... Additional Covered Property CP 14 20 ............... Additional Property Not Covered (7-88

edition) CP 14 30 ............... Outdoor Trees, Shrubs and Plants CP 14 40 ............... Outside Signs CP 15 03 ............... Business Income—Landlord as Additional

Insured (Rental Value) CP 15 25 ............... Business Income Changes—Educational

Institutions CP 15 45 ............... Utility Services Time Element CP 16 15 ............... Statement of Values CP 99 20 ............... Contributing Insurance UTS-1 ................... Renewal Certificate UTS-3g ................. General Purpose Endorsement















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UTS-57g ............... Measure of Recovery Endorsement UTS-58g ............... Coinsurer Endorsement, if underinsured UTS-59g ............... Antique(s) and/or Oriental Rug(s) Purchase

Price Endorsement. (Must be used when covering stock of an antique and/or Oriental rug store. This form defines the amount of recovery available at the time of the loss.)

UTS-183g ............. Windstorm or Hail Deductible UTS-237 ............... Roof Exclusion UTS-330s ............. Existing Damage Exclusion UTS-399g ............. Collectible(s) Purchase Price Endorsement.

(Must be used when covering collectible items. This form defines the amount of recovery available at the time of the loss.)

UTS-432g ............. Exclusion of Cosmetic Damage to Roof Coverings Caused by Windstorm or Hail

UTS-488 ............... Percentage Deductible Calculation for Blanket Policies

UTS-490 ............... Total or Constructive Total Loss Provision

INSPECTIONS A physical inspection of the premises and buildings is required as follows: • New Business: $5,000 or more in Property premium or

$500,000 TIV at any one location, which includes the total values for building, business personal property and business income.

• Renewals: Every three years with $5,000 Property premium or $500,000 TIV at any one location, or more frequently if the exposure changes on renewal business.

• As required by an individual program or the Classification/Topical Guide.

• At the request of the Contract Property and Casualty underwriter if deemed necessary.






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It is the responsibility of the agent to order an inspection as needed. It is also the responsibility of the agent to underwrite each inspection and endorse the policy to reflect differences in premium basis and etc. A copy of the inspection along with a description of your action must be sent to the company within 30 days of the policy inception date. Indicate the policy number and your general agency number on the inspection.

LIMITS Please refer to your General Agency Agreement for your specific authority.

MINIMUM POLICY PREMIUM Monoline Property: $500 monoline Property minimum premium, unless otherwise stated. Package: $500 Property minimum premium for a package policy, unless otherwise stated. (Subject to state exceptions below.) CA & HI state exceptions: $250 minimum Property premium for a package policy, unless otherwise stated. Florida state exception: $300 minimum Property premium for a package policy, unless otherwise stated. Mid-Atlantic Region (DC, DE, IL, IN, KY, MD, MI, MN, OH, PA, TN, VA, WI & WV) state exceptions: $250 minimum Property premium for a package policy, unless otherwise stated. Package policy minimum premiums are per individual sections of this guide or as required by individual programs. A package policy will be any policy with two lines of business, but must include General Liability written in conjunction with Property or Inland Marine. Crime will not be used to determine if a policy is a package policy.




PROBABLE MAXIMUM LOSS (PML) In protected and noncoastal areas, we consider buildings which are 50 feet or less apart subject. In coastal areas or protection class 9-10, contact your Contract Property and Casualty underwriter to determine the Probable Maximum Loss for risks with multiple buildings.

RATES • Program Classes

All program designated classifications must utilize the program rates, rather than ISO rates, subject to state exceptions. Use ISO Protection Class assignments to underwrite and price the property line of business. For Program business, rate 8B or any X, Y Protection Class as PC 9. Rate any W Protection Class as PC 10. Submit any deviation.

• Non-program Classes

Each state has specific minimum rates and modifiers based on current ISO loss costs and our experience. For specific minimum rates and modifiers for your state, refer to the appropriate State Information page on the E&S/Specialty Portal under the Underwriting Tools tab/Related UW Information portlet/Contract State Information, or contact your Contract Property and Casualty underwriter. A rating worksheet, showing the ISO loss cost rates and applicable modifiers, must be included when sending in the application with our copy of the policy. When using loss cost rates, in applicable states, the most current ISO loss cost advisory rates should be used (this can include ISO deductible credits) along with the company loss cost multiplier times the appropriate modifier. When using one of our admitted companies, please check the individual state filing, or contact your underwriter.






SIGNATURE-REQUIRED ENDORSEMENTS All endorsements added after the policy is issued that exclude, limit or restrict coverage, MUST be signed by the Insured acknowledging their acceptance of the endorsement. A copy of the signed endorsement should be kept in your underwriting file.

STATE EXCEPTIONS • AL, GA, MS, NC & SC only:

1. For wind excluded business, the maximum combined credit available is 30%. Submit if additional credit is needed.

2. For wind included business, the maximum combined credit available is 30%. Submit if additional credit is needed.

• Florida: 1. The rates shown in the program rate charts are for

Basic Form, per $100 of value. You may use the following Cause of Loss loads as indicated on the programs: (not applicable to the Vacant Building or Grocery/Convenience Store programs). Building and Business Income: For Broad and Special add $.05. BPP: For Broad and Special excluding theft add $.05. For Special with 10% or 20% theft sublimit add $.05. For Special with full theft add $.05.

2. Wind coverage is prohibited for frame construction, wind turbines and metal sheds for the entire state of Florida.

3. For wind excluded business, the maximum combined credit available is 30%. Submit if additional credit is needed.

4. For wind included business, the maximum combined credit available is 30%. Submit if additional credit is needed.




5. When offering Legal Liability Coverage, wind coverage must be excluded by attaching CP 10 54.

6. Submit Property in the Open for wind coverage. 7. Submit risks with previous sinkhole losses, regardless

of when loss occurred. • Louisiana:

Final x-wind Property rate in Tier 1 Parishes after all applicable debits and credits have been applied cannot be less than $.35, subject to exceptions indicated in individual programs.

• Texas: For Program business only—Final Property rate after all applicable debits and credits have been applied cannot be less than the following (not applicable to the Dwelling—Tenant Occupied Program or the Vacant Building Program): ISO construction codes 1, 2 & 3 Including wind—$.45 Excluding wind—$.30 ISO construction codes 4, 5 & 6 Including wind—$.40 Excluding wind—$.25

TERRITORIES Alaska 9999: ROS Alabama 1001: Tier 1; 1002: Tier 2; 9999: ROS Arkansas 9999: ROS Arizona 1001: Phoenix; 1002: Tucson; 9999: ROS California 1001: Los Angeles (City); 1002: San Francisco (City);

1003: Oakland (City); 1004: Sacramento (City); 1005: Stockton (City); 1006: Alameda (excl Oakland), Contra Costa, San Mateo & Santa Clara (Counties); 1007: San Diego County; 1008: Los Angeles (excl City of Los Angeles), Orange, Riverside & San Bernardino (Counties); 9999: ROS

Colorado 1001: Territory Group 1; 9999: ROS Connecticut 1001: Bridgeport, Hartford, New Haven & Waterbury

(Cities); 9999: ROS





District of Columbia 9999: ROS

Delaware 9999: ROS Florida 1001: Hillsborough & Pinellas (Counties); 1002: Broward,

Miami-Dade & Palm Beach (Counties); 1003: Brevard, Collier, Manatee, Martin, Pasco, Sarasota & St. Lucie (Counties); 1004: Indian River, Lake, Orange & Polk (Counties); 1005: Lee & Seminole (Counties); 9999: ROS

Georgia 1001: Tier 1; 1002: Tier 2; 1003: Atlanta; 1004: Dekalb & Fulton Counties (excl Atlanta); 9999: ROS

Hawaii 1001: Island of Kauai; 9999: ROS Iowa 9999: ROS Idaho 9999: ROS Illinois 1001: Chicago; 1002: East St. Louis; 1003: Cook County

(excl Chicago); 1004: St. Clair County (excl East St. Louis); 9999: ROS

Indiana 1001: Gary; 9999: ROS Kansas 9999: ROS Kentucky 9999: ROS Louisiana 1001: Tier 1; 1002: Tier 2; 1003: Tier3; 9999: ROS Massachusetts 1001: Boston, Brockton & Lawrence (Cities); 9999: ROS Maryland 1001: Baltimore (City); 9999: ROS Maine 9999: ROS Michigan 1001: Detroit; 1002: Flint; 1003: Wayne County (excl

Detroit); 9999: ROS Minnesota 1001: Minneapolis; 1002: Duluth and International Falls;

9999: ROS Missouri 1001: Kansas City; 1002: St. Louis (City); 9999: ROS Mississippi 1001: Tier 1; 1002: Tier 2; 1003: Jackson (City);

9999: ROS Montana 9999: ROS North Carolina 1001: Tier 1; 1002: Tier 2; 9999: ROS North Dakota 9999: ROS Nebraska 9999: ROS New Hampshire 9999: ROS New Jersey 1001: Newark and Paterson; 1002: Camden and Trenton

(Cities), Remainder of Essex & Passaic (Counties), and Hudson, Union, Morris, Middlesex & Monmouth (Counties); 9999: ROS

New Mexico 9999: ROS Nevada 9999: ROS New York 1001: Bronx, Brooklyn, Manhattan, Queens & Staten

Island Boroughs; 9999: ROS




Ohio 1001: Cleveland; 1002: Columbus; 1003: Youngstown; 9999: ROS

Oklahoma 1001: Muskogee and Tulsa (Counties); 9999: ROS Oregon 9999: ROS Pennsylvania 1001: Philadelphia (City); 1002: Pittsburg; 9999: ROS Rhode Island 9999: ROS South Carolina 1001: Tier 1; 1002: Tier 2; 9999: ROS South Dakota 9999: ROS Tennessee 1001: Memphis; 9999: ROS Texas 1001: Tier 1; 1002: Tier 2; 1003: Austin & San Antonio

(Cities); 1004: Dallas (City); 9999: ROS Utah 9999: ROS Virginia 1001: Chesapeake, Norfolk, Portsmouth, Suffolk & Virginia

Beach (Cities), and Accomack, Gloucester, Isle of Wight, Lancaster, Mathews, Middlesex, Northampton, Northumberland & York (Counties); 9999: ROS

Vermont 9999: ROS Washington 1001: King County; 1002: Spokane County; 9999: ROS Wisconsin 1001: Milwaukee; 9999: ROS West Virginia 1001: Boone, Lincoln, Logan, McDowell, Mercer, Mingo,

Wayne & Wyoming (Counties); 1002: Ceredo, Huntington, Kenova, Lavalette & Shoals (Cities); 1003: Fayette, Monroe, Nicholas, Raleigh, Summers & Webster (Counties); 9999: ROS

Wyoming 1001: Campbell, Converse, Crook, Goshen, Johnson, Laramie, Natrona, Niobrara, Platte, Sheridan & Weston (Counties); 9999: ROS

WARRANTY ENDORSEMENTS Risks with fire protective devices, such as an automatic sprinkler system, an automatic fire alarm or watchman service, must be warranted using warranty endorsement CP 04 11, Protective Safeguards. To provide theft coverage the risk must have a central station burglar alarm system, and it must be warranted using CP 12 11, Burglary and Robbery Protective Safeguards. If a warranty endorsement is attached, the application must clearly indicate the warranted device.



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