Property
Commercial General Liability
Employee Benefits Liability
Business Automobile
Garage
Commercial Inland Marine
Umbrella/Excess Liability

PROPERTY
The FireWatch Property policy provides coverage for loss of or damage to your Real Property (buildings) and Business Personal Property, normally provided on a Replacement Cost basis. Business Income and Extra Expense coverage are also available, along with additional coverage features including:

• Computers and Communications Equipment
• Valuable Papers, Software and Data
• Accounts Receivable
• Newly Acquired Property
• Property in Transit
• Property Off Premises
• Money and Securities

COMMERCIAL GENERAL LIABILITY
Our Commercial General Liability policy is designed to protect your business when a third party is injured or their property is damaged as a result of your action or inaction. Our program goes beyond a standard commercial policy with coverage benefits including:

• Alarm Contractors Errors and Omissions – Protecting against damages that may arise out of errors in system design, installation, testing, inspection or repair
• Fire Suppression Contractors Errors and Omissions – Protecting against damages that may arise out of errors in system design, installation, testing, inspection or repair
• Blanket Additional Insured*
• Waiver of Subrogation*

*Not available in all states.

EMPLOYEE BENEFITS LIABILITY
Designed to protect your business from exposures related to the administration of various types of employee benefit programs, our policy provides unparalleled coverage for litigation stemming from such accusations as:

• Failure to Enroll Participants
• Improper Calculation of Benefits
• Wrongful Termination of Benefits
• Improper Processing of Claims

CRIME
Commercial Crime coverage can be provided for the following exposures:

• Employee Theft – Blanket or Position Schedule
• Forgery or Alteration
• Theft of Money and Securities

BUSINESS AUTOMOBILE
The FireWatch Business Automobile policy is designed to protect your business from potential lawsuits arising from motor vehicle accidents. Coverage is also available to cover damage to your vehicles, along with additional options including:

• Liability Coverage
• No Fault/Personal Injury Protection
• Medical Payments Coverage
• Uninsured/Underinsured Motorists Coverage
• Physical Damage Coverage including Comprehensive and Collision

GARAGE
Our Garage policy is designed to provide complete insurance protection for the garage operations of fire apparatus dealers and distributors. Coverage is available for legal liability and for damage to vehicles. Available options include:

• Garage Liability Coverage
• No Fault/Personal Injury Protection
• Medical Payments Coverage
• Uninsured/Underinsured Motorists Coverage
• Physical Damage Coverage including Comprehensive and Collision
• Legal Liability including Comprehensive and Collision
• Dealers Drive Away Coverage

COMMERCIAL INLAND MARINE
FireWatch offers coverage for direct physical loss or damage to various property, machinery, equipment and tools used in your daily operations. Available options include:

• Installation Floater (property awaiting installation) – blanket limit of insurance or site specific coverage
• Contractors’ Equipment – scheduled machinery and equipment
• Miscellaneous Tools – blanket limit of insurance
• Employees Tools – blanket limit of insurance
• Computer Equipment and Software – blanket limit of insurance for each

UMBRELLA/EXCESS LIABILITY
The FireWatch Umbrella/Excess Liability policy is designed to provide extra limits of insurance above the primary limits included on your underlying policies. It also covers damages and legal defense costs you incur if the coverage under the primary policies is used up or exhausted. If offered by your primary policy, excess limits can be provided for the following:

• Commercial General Liability including Errors and Omissions
• Employee Benefits Liability
• Automobile Liability
• Garage Liability
• Employers Liability